davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2022 I made a payment through my Chase bank account via XXXX for {$1500.00} but inadvertently put in the wrong email address for the recipient. I was missing the full email address and so when I sent the money, the intended recipient didn't receive. We realized immediately and I sent another payment to the correct recipient, and they received that amount correctly. 
I then went about trying to cancel the payment to the incorrect person as it was not showing as finalized. I immediately called my bank to tell them of the error and they took my information and said they would look into it. I also contacted my banker to see if they could help me and he also said he would see if there was anything he could do. I also sent an email to the incorrect recipient to tell them that I had inadvertently sent them money by mistake and would they be kind enough to return ( I did not hear back from this email, nor a follow-up ). 
On XX/XX/XXXX, Chase sent me a letter saying they had looked into my request and would not be doing anything as they had processed with the information that I had provided. 
At this point I tried escalating through my banker and I received a call from their escalation department a few days later. I explained the situation and she said she would look into it. A few days later she called me back and said that the claim department stood by their initial decision and had no intention of helping me further. 
So, I am at a loss how to recover the money from the incorrect recipient. Chase/XXXX are saying this is because of a privacy issue, but I believe there must be some way for someone to help me get enough information that I can try and recover the lost money. If the bank had made a mistake and deposited into the wrong account, they have the right to recover it and would sue the unintended recipient if they didnt return it. I dont understand why this is any different. 
I was also looking at Regulation E section 205.11, and that seems to cover EFT errors, but no one wanted to address that regulation and tell me why I could not get relief or help under it. 
I am hoping that going this route I will get a more satisfactory solution. I have also reported this to my local police department and can provide the report number if requested. 
Many thanks. 
XXXX XXXX
Consumer complaint received 2019-11-24
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2019 and XX/XX/2019 file a disputed against EXPERIAN to verify 2 account on my credit reported the accounts being XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX  XXXX, and I asked simply for these account to be verified and that they send me the contract in which my signature was on that I signed would be sent to me as proof of said debt. I was told that the debt verified but their was no proof of documentation sent just a copy of my credit report same these object have been verified. I feel that I am been ignored by the the credit Bureau I have attempted 3 times to get this error corrected. I believe I deserve to have a good credit but the disputing process is not being carried out in a professional manor.
Consumer complaint received 2022-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX XXXX XXXX XXXX XX/XX/2022 opened {$20.00} amount In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-11-24
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: MiraMed Revenue Group LLC (PA)

I HAVE SOME MEDICAL BILLS WHICH I AM UNABLE TO PAY. THEY ARE AS FOLLOWS : XX/XX/19 XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, IL XXXX FOR {$1400.00} XXXXXXXX XXXX XXXX XXXX  " ' '' ' '' ' '' ' '' ' '' '' {$150.00} MIRAMED REVENUE GROUP XXXX XXXX XXXX XXXX XXXX IL XXXX {$52.00} XX/XX/19 MIRAMED REVENUE GROUP ' ' ' '' ' '' ' ' '' ' '' ' '' ' '' ' '' ' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' {$330.00} XX/XX/19 MIRAMED REVENUE GROUP '' ' '' '' '' ' '' ' '' ' '' ' '' ' '' '' {$59.00} XX/XX/19 THESE ARE ALL MEDICAL BILLS FOR A BACK PROBLEM WHICH I CAN NOT AFFORD TO PAY. MATTER OF FACT I AM GOING TO HAVE BACK XXXX ( VERY SERIOUS ) IN THE NEXT MONTH.. I AM NOT REFUSING TO PAY THESE BILLS. I JUST CAN NOT PAY THEM NOW. THEY ARE AFFECTING MY CREDIT REPORT VERY BADLY. MY CREDIT SCORE WENT FROM XXXX DOWN TO XXXX DUE TO THESE COLLECTIONS. ON TOP OF THAT I AM GOING TO BE OFF WORK FOR AT LEAST 4 TO 6 WEEKS ACCORDING TO MY SURGEON. IF THESE COMPANIES WOULD TAKE THESE OFF MY CREDIT REPORT, I WILL BE WILLING TO DISCUSS PAYMENT WITH THEM AFTER MY XXXX AND I AM BACK TO WORK. I WAS UNDER THE IMPRESSION IT WAS AGAINST THE LAW TO HOLD MEDICAL BILLS AGAINST YOUR CREDIT. IT IS UNFAIR. ALSO, I HAVE DISPUTED SEVERAL TIMES ON MY REPORTS THEY HAVE MY ADDRESS AS XXXX XXXX ... I HAVE NEVER IN MY LIFE BEEN TO XXXX LET ALONE LIVE THERE, YET IT IS STILL ON MY REPORT. 
THANK YOU
Consumer complaint received 2017-12-28
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (MD)

As a follow-up to Complaint Filed on XX/XX/XXXX ( Reference Complaint # XXXX ) I received an update from XXXX XXXX XXXX Asset Manager assigned to my loan that my request for a Streamline was denied because of prior modifications. He asked that I complete a Loan Modification and stated that it will also be denied as well since I was given modifications in the past.

Sadly, my situation is a unique one with the XXXX XXXX XXXX XXXX  to XXXX XXXX, then a divorce that just occurred onXX/XX/XXXX. It has been an uphill battle for me and my XXXX young impressionable children. Here 's my ask if a request will be submitted to XXXX XXXX - the investor for consideration of a repayment then why can not my initial denial suffice why is Bayview requesting for me to complete a loan modification package fully knowing that it would take an inordinate process to go through approval only to be denied anyway and dragging out the inevitable of submitting my hardship directly to the investor XXXX XXXX. I ask that you intervene and help me I need the stability for my children. While I know we all have circumstances these circumstances were unfortunate and out of my control. I would have loved to wave a magic wand and have them go away. I did not want a divorce and more importantly I did not want my young daughter to XXXX either. It is not what anyone of us want for our life. I beg that you help me and my family.
Consumer complaint received 2022-05-25
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I have mailed an invoice to Experian for its Violation of my Consumer Rights under the FCRA, and after waiting 30 days, I received an invalid response to my issue. Instead, they decided to just delete more items from my report admitting more guilt. 
Certified Mail Number : XXXX XXXX XXXX XXXX XXXX Sent out on XX/XX/202XXXX XXXX
Consumer complaint received 2017-11-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TENET HEALTHCARE CORPORATION (TX)

I sent Central Financial Control an letter on XX/XX/XXXX and on XX/XX/XXXX about a debt that showed up on my credit report. On that letter I requested that they validate the alleged debt due to me being unaware of any outstanding medical bills. In that I also as that they provide the breakdown of fees including any collection costs and medical charges. I asked that they please provide me a copy of my signature with the provider of services to release my medical information. On XX/XX/XXXX I received information from Central Financial Control stating that the services were for someone with the last name that is not mine. They stated that the services were rendered to someone that was uninsured. In that letter they stated that I was properly notified in which that has never happened. After receiving this letter I went directly to XXXX XXXX XXXX and provided them with a copy of my Id and Social. At that time they could not find any of my information at the facility. I also advised spoke to them about the 100 percent charity and they made me aware that the charity covers all bills owed past and present. I then contact XXXX XXXX again and advised them that I have been to the center and they could not find any of my information. They advised me that they would have a manager look into it. I also sent them a copy of my ID and Social security card to show that it was not me. On Today I received a response with a letter stating that they tried to contact me about the debt. The dates that are listed in the letter are incorrect as to I HAVE never received anything from them prior to XX/XX/XXXX. On the letter they state that they sent me a letter on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The date if XX/XX/XXXX was prior to the  alleged service date so how could I have received a letter? They also stated that there was a military Id card. I have never had an military ID card. So that information is also not correct. Again as I have prior stated this bill is fraud and due to Identity theft. Also the letter contradicts itself they advise me to contact XXXX Business office and in fact I have and they have told me more than one time that any medical bills that were against my name were reversed. As I stated prior I have sent the information with my id to them on more than one time. The Original creditor has already advised that this is not my information
Consumer complaint received 2023-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Im not sure which month but someone accessed my account and used a checking account to pay the bill and it kept coming back as nsf and the amount that was paid was charged back to the account which was more than what I originally owed and they added it on to the balance so it caused my payment to go way up so I couldnt pay and they refused to refund that amount that they charged back. I could understand if the account was used if that money that came back as a nsf but they never gave that money available to use and nothing else was charged to the account so my {$500.00} credit limit is not {$1500.00} which is impossible because how can they charge me triple what my credit limit is if they never have the money available while processing the nsf ach that someone did on my account. I want all that money refunded that was charged to my account. Not only did they charge the excess money on my account but they blocked me from disputing or even accessing my account. They wont let me in my account at all now or talk to me because I dont receive the text messages or phone call to my phone number from them for some reason. I can get everyone elses messages and phone calls but not theirs. I just want that money removed from my account so I can pay off my credit card and be done with them. I also want the late fees and everything removed from my credit report since I didnt have access to my account to even pay for it.
Consumer complaint received 2023-03-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (GA)

I was in a XXXX XXXX whenever my dad told me I had an email stating my taxes was deposited into my cashapp. When I got home I tried to access it and I had been logged out of my email and had no access to it. I called cashapp support and they helped me get into y account well it was all types of transactions done been made I know I told my dad to make the XXXX to my probation which he did online using my debit card that was linked to my account. But other than that no transaction shouldve been made well I went to file a dispute and its done been several of them made that was not authorized by me. I came home XXXX
Consumer complaint received 2023-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (OH)

I had direct deposit scheduled on XX/XX/23. To CASH APP. I accidentally left off last 4 numbers on the acct numbers, they won't give me any information on where the money went. Also I had a XXXX XXXX charge that later updated to XXXX, they have not refunded the XXXX yet and its been 10 days
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 
Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2022-11-08
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-05-25
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: CURO Intermediate Holdings (TX)

XXXX XXXXXXXX has violated my rights as a consumer by failing to validate a debt at my request and continuing to report to ALL 3 CREDIT BUREAUS the disputed debt to the CRA. These are clear violations of both the FDCPS the FCRA. I gave them legal time of 30 days to complete this, they refuse to do so. The credit is causing damage to my character, because of they failed to investigate this account properly, the are in DEFAULT. 
XXXX # XXXX AMOUNT # XXXX
Consumer complaint received 2022-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (AZ)

I would like to file a complaint against Toyota Motor Company and XXXX XXXX. For several months I have been trying to get this issue resolved. Toyota refuses to speak to me and XXXX XXXX just keeps telling me that " Our client says the information is correct ''. Which is false. 

I had a vehicle financed through Toyota that was deemed a total loss in 2020. My insurance ( XXXX ) paid them the FULL value of the vehicle and the remaining balance was covered by XXXX. Toyota alleges that the full balance was not covered by XXXX. So, I contacted XXXX myself and asked them why there would be any balance left over. They assured me that the full balance should have been covered and that there was no reason any balance would be remaining. EVEN if I had extensions on the account because these would have been COVERED DUE TO THE PANDEMIC. 
Therefore, the balance Toyota is alleging I owe. I incorrect and it is thievery. Toyota in total has received well over the value of the vehicle and well over my original loan amount. At this point, they are being greedy and I wont allow it.

IN ADDITION, they are reporting this inaccurately to credit bureaus. They
are reporting this as a REPO which is again, FALSE. They are also reporting me as the only and sole owner of this account which is FALSE. My father, XXXX XXXX ( who is now deceased ) Was the account holder and I was a CO-SIGNER. 

Lastly, they gave me TEN DAYS notice to pay this before reporting it to my credit as a bad debt. 

I will take legal action if this is not resolved. 

THANK YOU.
Consumer complaint received 2023-03-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

I am a victim of identity theft. A year ago, someone opened a fraudulent account with Cash App using my identity and had traded XXXX  under my name. As a result, I have received 1099B ( sent by Square.com ) and thus own tax to IRS. I have contacted both Square.com and Cash App and ask them to close this fraudulent account but have received no response yet.
Consumer complaint received 2023-03-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-19
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. (AL)

I tried to apply for credit card I keep getting denied credit due they don't have any information correct identity my personal information why is these companies having my personal information incorrect or reporting me deceased illegally to deny me credit I need a full disclosure report Data back XXXX until XXXX I am not deceased I need to know who reported me deceased to uptain credit or using my name to apply for credit I have to right to know who reported me deceased
Consumer complaint received 2022-05-25
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (ME)

I have already submitted a complaint about this mortgage to the CFPB. It is Complaint Number XXXX. With that complaint, I sent to the CFPB a Notice of Error letter which I had sent to PHH Mortgage Services ( XXXX XXXXXXXX  ) which included a Third Party Authorization signed by the Borrower in favor of me, XXXX XXXX XXXX, XXXX. 

Today I received from XXXX a letter dated XX/XX/XXXX and referencing " Regulatory Case XXXX. '' The letter states that PHH has " not received authorization from the account holder to provide specific information to you. '' This is false. PHH has received the third party authorization multiple times, and when I called PHH today, they admitted that they had it. The PHH representative to whom I spoke today, stated explicitly that this letter is not in the borrower 's file. She then tried to tell me that the XXXX XXXX XXXX XXXX XXXX in XXXX XXXXXXXX, NJ shown on the PHH letterhead is not a PHH post office box address. 

The PHH letter comes from the " Office of Consumer Ombudsman, '' but when I asked the PHH representative on the phone today to connect me with that office, she told me that there was no such office. 

Then the PHH representative told me that the loan has been referred for foreclosure to the law firm of XXXXXXXX XXXX XXXXXXXX. The loan was put in COVID-19 forbearance on XX/XX/XXXX until XX/XX/XXXX. I was told by PHH in a telephone call on XX/XX/XXXX that a second six-month forbearance has been approved to go into effect on XX/XX/XXXX. It is wrong for for this loan to be referred to counsel for foreclosure while it is in forbearance.
Consumer complaint received 2022-05-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (GA)

I went to Navy Federal when I wanted a company to stop charging me, they continued to allow the company to charge me, and when I filed a fruad report with navy federal they gave me my money back, and reversed it after they rejected the claim. Here is the issue, I asked Navy Federal to stop allowing the transactions and they continued to allow it to the tune of XXXX. My other bank ended up sending me a check for XXXX and an apology for not helping me. Navy Federal decided to sue me, after knowing this scam was going on and did nothing to help me. They sent one letter offering a settlement of XXXX, but never a bill or allowed me into my account. They took XXXX that was for my secured credit card and still are suing me. I can not even login to my credit card to make a payment and when I called today, I was hung up on and the guy informed me he could not even speak to me about my credit card. So, what is next they get to sue me for my credit card they wont even allow me to login and make a payment on?