davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I have Purchase a Merchandise from XXXX XXXX XXXX That was Describe as {$5000.00} Estimated Customer Return Item in Unknown Condition. They Requested Wire Transfer to Their Business Account Which I Used to send Money Using Chase. 
After receiving Merchandise It become Clear it was a Fraud and Scam, They send me Item That Total Brand New MSRP is Not Even {$300.00} Let alone {$5000.00} or Close to it. 
I contacted My Bank and Explain To Them Wire was a Business Transaction, It was Send to a Business Account not Personal Account of The Register company Name. It is a Fraud and Scam That I would Like them To Dispute The Transfer with Receiving Bank and Help Reverse it. Receiving Bank is XXXX " WIRE TRANSFER INSTRUCTIONS To : XXXX  XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX Routing and Transit Number : XXXX For Credit Of : XXXX XXXX, XXXX. 
XXXX XXXX XXXX, # XXXX XXXX, CA XXXX Credit Account # : XXXX Additional Information : Only include your order number XXXX on the memo, any additional information will cause a delay in processing. '' Person Told Me It does not Matter it is a Scam they won't do anything About it. It is Outrageous So Now Bank is Openly Facilitating Scammer and Fraudster. Even They Know Where the wire is send and It domestic Wire and It is an Illegal Fraud/Scam under U.S jurisdiction XXXX He refuse to help and do what should be Done. 
Bank Are Given Extra-ordinary Mandate and Govern Themselves as member of Association part of Independent Federal reserve and It is Least Expected That they will show Creditworthiness of stand against Scam/Fraud with consumer who trust them with their money. 
Also they are obliged to Follow Law, Not Protect and AID scammer and Fraudster committing Wire Fraud and Scam. By Not Doing anything They are Actively Aiding the Illegal Activity Conducted by a Person, Business or What else.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX BALANCE NO KNOWLEDGE OF THIS ACCOUNT CAUSING MENTAL ANGUISH DESTROYED MY CREDIT SCORE AND CALLING ME HARRASING ME ABOUT PAYING WITHOUT PROVIDING PROOF SIGNATURES OF ME SIGNING ANY AGREEMENTS
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-01-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Dear CFPB Investigator, How are you? 

The report I like to make today is the concern of the potential criminal employee from the XXXX Police Department officer name : XXXX XXXX and her debt collection company name : XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX VA XXXX Potetial Criminal Activities are : Cyber Crime Law - Computer Criminals target people online for various financial scams, which have become so prevalent that many of these crimes go unreported - Harassment and Stalking - Activities relating to material constituting medical malpractice - Procedural laws refer to government agencies and their authority to get electronic data from internet providers, third parties and computing devices Crimes against property - Larceny - Embezzelment I am working on a report for FBI at XXXX, and if you need further assistance please contact me, and thank you.
Consumer complaint received 2019-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Continental Finance Company, LLC (IL)

The credit card company was sold and changed owners, and also switched payment platforms. 

I was on auto-pay and the company never notified me of the changes that were going to be made and caused a late payment. 

I have been trying to speak with someone but everyone I get on the phone tells me that they will not help me. 

Terrible company and worse service!
Consumer complaint received 2022-10-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (TX)

I was the victim of bank fraud. I was hired for a new job and sent a check for purchasing hardware and software to complete my tasks. I deposited the check which my bank cleared by the next day completely for almost {$6800.00}. I was instructed where to send the money as well as show confirmation that the transaction went through. Once I completed the transactions, they stopped the check on their side and almost immediately Chase Bank charged me for the transactions. I immediately went to my nearest branch hoping to put a stop to the wire transfer that was showing in my account as still pending. Even after close to an hour on the phone with Chase while in XXXX of their branches, they didn't put a stop to the wire going through nor did they make an attempt to tell the target institution that it was an act of fraud. None of this would be possible if Chase hadn't cleared the entire check overnight and abdicated their responsibility to make sure the money was available instead of shoveling responsibility to me. I called to see if something could be worked out with the bank through their fraud department but all I received was the run-around and eventually being told the fraud department was the wrong place to report the fraud.
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Convergent Resources, Inc. (PA)

Convergent Outsourcing account number ending in XXXX has furnished private information onto my consumer report XXXX of XXXX. This Person ( definition of person according to FCRA is any company or entity ) does not have the legal right to collect debt in the state I reside, which is XXXX. I am attaching proof of consumer reporting, proof of address, and proof that said person does not have legal right to collect in the state I reside.
Consumer complaint received 2020-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have been sending dispute letters asking for these egregious accounts from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX   to be removed from my report as they have not provide the original credit agreement or original contract I supposedly signed for these supposed debts.
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

Accounts in violation : XXXX XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX  XXXX Acct # XXXX 15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C. 1692C Without the prior consent of the consumergiven directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT WORLD SERVICES, INC. (NV)

A third party agency keeps harassing me about paying a debt that was already paid for therefore I will not supply proof under the doctrine by silence XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. XXXX I presume that no proof of the alledged debt nor therefore any such debt. In fact therefore exists.
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Amsher Collection Services, Inc. (NV)

A third party agency keeps harassing me about paying a debt that was already paid for therefore I will not supply proof under the doctrine by silence XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. XXXX I presume that no proof of the alledged debt nor therefore any such debt. In fact therefore exists.
Consumer complaint received 2021-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Thaxton Investment Corporation (MO)

I have repeatedly requested for this account to be deleted based upon a letter from XXXX XXXX stating that the debt would be forgiven and the account deleted from my account. To this date the account remains on my credit report and both Heights Finance and XXXX, keep updating the account instead of deleting it. XXXX XXXX stated that she would send me a Settlement Agreement after I returned the letter she send me with my signature for my review. I have never received that Settlement Agreement from XXXX XXXX or anyone else at Heights Finance to review and/or sign.
Consumer complaint received 2021-09-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NH)

On XX/XX/XXXX, I closed on my home. 
Included in the closing, I paid {$5700.00} into my escrow, as indicated on Page 12, Section G " Initial Escrow Payment at Closing '', under " Other Costs '' of my closing packet attached. 

My first payment of {$3900.00} was due on XX/XX/XXXX, and cleared my account on XX/XX/XXXX. 

On XX/XX/XXXX, my loan servicing was transferred to Nationstar dba Mr. Cooper ( effective XX/XX/XXXX ), and my initial payment, which was paid to the original lender, XXXX XXXX XXXX XXXX XXXX, was forwarded to them. 

Upon receipt of information regarding my Mr. Cooper account, as evidenced by my first statement, dated XX/XX/XXXX - My Escrow Account contained {$7300.00}, which was the {$5700.00} + the Escrow portion of my first payment ( paid to XXXX  ) of {$1600.00}. 

Each subsequent payment was made on time, and included {$1600.00}, and on XX/XX/XXXX, a XXXX XXXX payment was disbursed by the Escrow account, appropriately, in the amount of {$6600.00}. 

My XXXX statement, dated XX/XX/XXXX took this disbursement into account, and the payments from XXXX, XXXX, XXXX, and XXXX, and indicated an Escrow Balance of {$5400.00}, which was appropriate. 

On XX/XX/XXXX, Mr. Cooper " adjusted '' my escrow account, deducting {$5700.00}, which I paid in at closing, claiming that the payment from XXXX  to Mr.Cooper bounced. 

Upon reaching out to Guaranteed Rate, I was able to get information about the wire which contained this amount - A wire was sent on XX/XX/XXXX for {$40000.00} from XXXX  to Nationstar ( Mr. Cooper ), with the wire # of XXXX. My portion of this wire ( which was a bulk payment of multiple account escrow ), was {$7300.00}. {$5700.00} plus the first payment 's Escrow portion of {$1600.00}, as noted previously. 

I have reached out to Mr. Cooper and XXXX  XXXX  several times since then, trying to recover my missing {$5700.00}. Mr. Cooper 's claim is that the wire " bounced '', which doesn't wash because the initial payment 's {$1600.00} was not adjusted out of my escrow account. 

I have called Mr. Cooper nearly daily since XX/XX/XXXX- it is now XX/XX/XXXX. I have done the legwork for them to get the wire info from XXXX  XXXX. I have records of all of *my* payments, which, to me, indicate that I have done the proper things and this is not *my* problem, but an accounting problem that Mr. Cooper should resolve without affecting my account. 

This {$5700.00} is my escrow money and needs to be returned to my account.
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. Please refer to the information that I've listed below ; I am not implying that these accounts are reporting right or wrong. I am just saying that I am not 100 % sure if they are accurately reporting.

FCRA 15 USC Sec 1681i ( a ) states ; that any unverified and/or inaccurate accounts must be deleted. I would like for the following accounts to be investigated for verification and 100 % accuracy and I would also like a report of your findings. Also according to the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in an inaccurate account.

Im requesting to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the accounts listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, unverified and inaccurate accounts must be removed and if you are unable to provide me with a copy of the verifiable proof, you must remove the accounts listed below. 

XXXX XXXX # XXXX THIS ACCOUNT IS REPORTING INACCURATELY. PLEASE INVESTIGATE THIS ACCOUNT FOR 100 % ACCURACY AND VERIFY. 

Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file. Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report.

Could you mail me an updated report after you investigate and verify these accounts? Also, please let me know who had access to my file as well. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. 

Thank you for your assistance in this matter.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that appear on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). The following information is incorrect and should be removed from my report immediately : Account Number : XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX - This address belongs to someone else. Delete it from my report immediately. 

Account Number : XXXX XXXX XXXX XXXX XXXX AL XXXX- This address belongs to someone else. Delete it from my report immediately. 

Account Number XXXX XXXX XXXX XXXX XXXX XXXX  - This address belongs to someone else. Delete it from my report immediately. 

Account Number : XXXX XXXX XXXX XXXX XXXX I have never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away. 

Account Number XXXX XXXX XXXX XXXX XXXX XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 

Under the FCRA, credit reporting agencies are required to ensure that the information in their reports is accurate and up-to-date. I understand that accurate credit reporting is crucial and I respectfully request that you investigate these items and take appropriate action to remove or correct them, as required by law. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TD BANK US HOLDING COMPANY (NY)

we have been banking with TD bank about 20 years. on XX/XX/22 our rent check was stolen and cashed at XXXX of the TD bank branches. they changed date, amount ( {$960.00} ) and forged the signature and cashed. when we found out, we immediatelly call and went to see the banker in person. I was told that we would get money back in XXXX weeks. and they asured us the new check we sent out to our landlord will be clear. only to find out that it was bounced and we were charged a late fee. we had set up automatic credit card payment as well, but beause of this we were chareged hundreds of dollars in returnd payment and late fee. ( Im never late on payment and pay in full each month. ) it's been a month and a half, no money, no updates from the bank. Please help up get {$960.00} back. hopefully some of the return check and late fees as well. thank you in advance
Consumer complaint received 2020-02-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

I have two separate complaints. 

the first is, repeated phone calls from the following company. I will try to link correctly to the Virginia registry of corporate entities. 

https : //cis.scc.virginia.gov/EntitySearch/BusinessInformation? XXXX & XXXX XXXX XXXX This is the business called Portfolio Recovery in Virginia. They mailed me something that came yesterday, and I do have a screenshot of it if you're interested and my email is XXXX The mailing fails to properly say to the person they are seeking collection from that by not making any payment, depending on state law, they likely can not be sued XXXX statute of limitation expiration. 
Instead, the disclaimer states that even if you're in a state where by making a payment on the debt which is no longer collectible through legal action, they will not sue even if they are able. 

if you like the exact wording, again just contact me at my email address. I have a screenshot of that part of it or can include the entire document if you would like. As far as the phone calls go they continue to happen at least twice per day, usually during permissible hours and I have not yet sent a cease-and-desist letter. Thank you for your time.
Consumer complaint received 2022-10-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services (VA)

Edfinancial Services has been unable to provide verification of my previous request for a loan refund or provide a consistent timeline for my refund to be processed. I spoke with a representative for EdFinancial via phone call initially to place a request for refund. I was verbally assured that my refund request had been submitted, however the representative was unable to provide me with a concrete timeline for processing ( she said it could be XXXX months or more due to the increased number of requests ). I followed up via virtual chat with a rep named XXXX today XX/XX/22, and I have attached screenshots in which she refuses to provide verification or provide me access to my refund request and is unable to provide an estimated timeline for my refund request to process.
Consumer complaint received 2020-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the XXXX data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Almost 3 years ago, I was robbed. The person/people who robbed me stole my ID, credit cards, etc. I've been going through hoops with the credit reporting agencies to get these things off my reports. So, I was told to contact you guys and ya 'll would help me.
Consumer complaint received 2022-10-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (NY)

I filed a couple disputes with transact XXXX XXXX card on XX/XX/21 for {$1400.00} XXXX was XXXX of them and there were few more but they closed my account within day or XXXX and just denied my dispute without reason.i filed it in timely matter and these were not my transactions .I told them they were possibly my XXXX XXXX who came home from prison and if so I will press charges to the full existent of the law.But I was just shut down with no reason or anything .I just found out about you guys that's why I'm now addressing matter again..XXXX is the reference XXXX.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX Balance : - ; XXXX XX/XX/XXXX