davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (AZ)

XX/XX/2018, I initiated a funds transfer through Chase.com using a tool called XXXX to my wifes checking account. I have never used the tool before so I initially sent her {$10.00}. She received a text almost immediately stating that funds had been deposited into her account. I then transferred {$500.00} assuming that the transfer had been processed correctly. About an hour later she realized that the funds we not deposited into her account. Despite the fact that I provided the correct information, the funds were transferred to the wrong account. I opened a dispute with both Chase and XXXX. XXXX advised me that there was nothing that they could do and I needed to contact my bank. Chase advised that there was another account that has that phone number. That other account does not belong to XXXX XXXX yet the money was deposited to that account in error. They said that because I initiated the transfer they were not responsible even though they did not accurately verify the information that I provided. Chase did say that they sent the recipient a courtesy email requesting that the money be returned but that they had no response. This error is a result of Chase and/or XXXX not accurately verifying the information that I provided. If you review the transaction history you can verify that the information I provided was correct. Chase executed the transaction incorrectly, but they will not take responsibility for the error. 

If you do a quick search of the internet you will find that there are numerous complaints from people that have had the same issue. While researching this issue I found that apparently it is fairly easy to change the phone number on a checking account and intercept payments made through XXXX because of the virtually non-existent verification process that is used. If one was  so inclined they could change the phone number in their account settings to any phone number. That could trigger XXXX pay and Chase to identify your phone number with the wrong account and any payments made to you through XXXX could go to the wrong account. 

What confuses me most is if she enrolled in XXXX through the Chase website using the link provided to her, how can transfers made to her through XXXX get sent to somebody else?
Consumer complaint received 2018-08-08
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: EQUIFAX, INC. (FL)

Both Equifax and XXXX report an account that is over the statue of limitations. The XXXXXXXX XXXX XXXX the first time it was disputed they both sent in information indicating the account first became late in XX/XX/2011 then when additional information was requested, they started to report different dates the account was delinquent. Every response/report received has different information and it makes no sense. Also my mortgage with XXXX XXXX XXXX was modified under the govt relief act and part of that process is that they were not suppose to report late payments during the process yet the two bureaus are still reporting them.
Consumer complaint received 2018-08-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (SC)

I have 2 safety deposit boxes with Wells Fargo Box A ( 5 x 4.5 ) since XXXX and Box B ( 3 x 4.5 ) since XXXX. Neither of these have every had a delinquent balance and are up to date in payment thru XX/XX/XXXX respectively. I visited my Wells Fargo Branch XX/XX/XXXX to access both boxes since I had not opened either box since XXXX to inspect contents and determine if both boxes were needed. Upon entering the safe, it was determined that there were three ( 3 ) " B '' boxes, Two of the " B '' boxes would not open with my key and the 3rd " B '' had been drilled. After three days of research on Wells Fargo 's behalf, it was determined that my box " B '' was the one that was drilled open on XX/XX/XXXX. I  have never been contacted about my box potentially subject to drilling. This error was uncovered by my visit to access MY Box " A & B ''. ( Ironically, they were not able to get my key to open Box " A '' either ). The only information they were able to share with me were the names of the two Wells Fargo employees that were present at drilling the box. I was not allowed a copy of that form from Wells Fargo. Why do they have three safety deposit boxes with the same identification number and the same size in the same safe at my branch location. How secure it the identifying process when accessing and/or drilling. Why was I not notified of this error???? I believe Wells Fargo to be culpable for the fact that my box was drilled over 3 years ago and expect me to automatically believe that the box was found empty. I am not satisfied with offering to re-key and provide this box at no expense to me. This box ( " B '' ) was grandfathered from XXXX XXXX XXXX and has be {$0.00} annually since XX/XX/XXXX. How am I supposed to believe that this would not happen again with either of my boxes?? I met with the Branch Manager on XX/XX/XXXX and did not agree with his offer to re-key or give me another safety deposit box. I left the meeting stating that I would need to determine how I wanted to proceed. After talking with other professionals in the business, I determined that I should start with this agency, CFPB. As of today, I have not been contacted by Wells Fargo as a follow-up. My confidence and trust in my financial institution has been diminished greatly. I would have thought as a valued customer for this many years, I would have been a priority to resolve this to my satisfaction and instill a renewed faith in my financial institution, Wells Fargo.
Consumer complaint received 2018-08-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (UT)

Credit Management LP d/b/a XXXX XXXX I returned my cable box to XXXX when I cancelled my service with them, and they charged me {$82.00} for this box. I was able to dispute the bill and have it removed from XXXX   and XXXX, but it is still showing on my XXXX credit report, and I can not get them to remove it. When I disputed it with XXXX, the response was that it is valid - completely different than the XXXX and XXXX credit responses. I do not owe this debt.
Consumer complaint received 2022-03-09
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: Experian Information Solutions Inc. (FL)

I have anunverified account from XXXX XXXX  I had previously disputedthis account. I have never done business with XXXX XXXX Pursuant to the Fair DebtCollection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debtpurport I owe.I request that XXXX XXXX provide verification of the following : 1.The original Application or contract ; 2.Any and all statements allegedly related to this debt ; 3.Any and all signed receipts ; 4.Any and all canceled checks ; 5.Original date of default and collection activity begin 6.Whether you purchased the debt, and if so, the amountpaid for the debt 7.The date ( s ) the debt allegedly accrued ; 8.An itemization of thecosts, including an accounting, forany additional interest, charges, or other fees placed on this account. I want to requestthat XXXX XXXX  Cease and Desist all further communications and collection activesand provide the verification of the purported debt.
Consumer complaint received 2020-12-16
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: The Bureaus, Inc. (PA)

THE BUREAUS XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone : ( XXXX ) XXXX The above company on my record with the amount of {$580.00} does not belong to me. I do not own this account nor the previous creditor.
Consumer complaint received 2021-12-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Equifax Credit Bureau is reporting inaccurate information on my account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 


XXXX XXXX XXXX
Consumer complaint received 2018-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I had a loan with XXXX ( XX/XX/XXXX - XX/XX/XXXX ), I never missed a payment. After I got denied for employment and housing several times I decided to get a credit report. My credit report states that XXXX reported that I missed 30 payments. The truth is I never missed a payment. XXXX is fraudulent and they work against their customers best interest. I spoke with a mean customer service supervisor named " XXXX '' if that's her real name. XXXX did nothing to solve the problem, XXXX made the problem worse. She wanted to argue for hours instead of removing the fraudulent reports on my credit report due to bugs, glitches, computer system errors, a conspiracy to ruin my future for no reason. I suggested that XXXX should inform IT to get the problem fixed and she ignored my suggestion. Finally after XXXX/XXXX   took no accountability for their actions I consolidated my loans with another company. I no longer do business with XXXX because their company is involved in fraudulent activities like ruining innocent Americans credit reports for the XXXX of it! I will never do business with this company again. The customer service is terrible and you can not do business with XXXX XXXX   customer service agents due to strong accents, lackadaisical attitudes and frivolous banter about everything besides the reason you called. At this point ( XX/XX/XXXX ) XXXX does not have a reason to report to the 3 credit bureaus about me since I no longer do business with them.
Consumer complaint received 2018-08-08
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: LD Holdings Group, LLC (FL)

The company Load Depot ( XXXX ) XXXX https : //www.loandepot.com calls me continuously all day long, at least 4-5 times a day from various numbers that include area codes XXXX, and other parts of the country. When I block a number, they generate a new one. I have blocked and blocked and yet they still call. I have not called them back because I do not have an account with them and have never done business with them and do not want to give them any more information than they already have, which is my cell phone that is supposed to be on the do not call list. It's a robo-call.
Consumer complaint received 2018-08-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: QUALITY ACCEPTANCE LLC (TX)

For love of XXXX Please help Quality acceptance LLC charged an charged illegal interest rate, refused to contact us when we turned car in a YEAR after we bought it cause they lied, they never let us know it went to auction, refused to send bill of sale of it going to auction, and illegally harassed us to pay the {$8000.00} left on the loan when we turned car in three years early on loan, please help us get {$8000.00} back and ruin this company, we will spend every day and hour, we have letters from over 5 regulators supporting this. Please please get this company to pay me and have them cut off for life for major illegal activity.
Consumer complaint received 2018-08-08
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. (CA)

My name is Mr. XXXX XXXX XXXX XXXX and I am a victim of identity theft. I've notified all three major credit reporting agencies, which consist of XXXX   XXXX Consumer Dispute Center, Experian Dispute Center and XXXX Dispute Center. 

I have also placed freeze alerts with these agencies. I have also filed fraud with my bank, XXXX XXXX XXXX whom issued my wife and I new credit/debit cards and changed all usernames and passwords. I have also filed a police report with XXXX California Police Department. 

After I have reached out to Experian several times now in regards to inaccuracies on my credit report they continue to not only decrease my credit score everytime I dispute an inaccurate account or information but they also will not provide me with the investigation procedures and information they collected to validate the account. 

I requested them to provide in writing the investigation information but get nothing. I am being penalized for disputing inaccuracies on my report. Experian requested documents as proof and I have sent these documents to them, I also sent them my Identity Theft Police Reports and FTC Identity Theft Report, Number:XXXX. 

I have received DATA BREACH letters from Experian and still they will not update and remove inaccurate information from my credit report. This is my last straw trying to work with Experian, as I am trying to purchase a home and the total disregard for account verification has been overwhelming. Experian has dropped my credit score by 14 points, 20 points, 22 points, in the last month with no explanation just seems to decrease everytime I dispute the same incorrect info on my report. There is no change in information, so why does my score keep dropping? I am only disputing info that was already on my credit report.
Consumer complaint received 2023-03-31
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: EQUIFAX, INC. (GA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX : {$11000.00}
Consumer complaint received 2018-08-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC (CA)

Hi - I have a mortgage loan ( for $ XXXX ) with Stearns Lending which I was making payment on time via auto pay. 

Got a " loan transfer '' notice from XXXX XXXX stating that the loan has been transferred to them by Stearns Lending as of XX/XX/XXXX and I have a statement from them stating the loan is due as of XX/XX/XXXX and will be late after XX/XX/XXXX. 

However, I did not receive a 'payoff ' or 'loan transfer ' statement from Stearns Lending and according to their customer service, my loan is STILL with them and I have a statement with payment due as of XX/XX/XXXX and will be late after XX/XX/XXXX. 

I spent 1 hour on a conference call today ( XX/XX/XXXX ) with both the banks and Stearns is saying they did not transfer the loan and XXXX is saying they have my loan now and I owe payment to both the banks. 

So right now, this loan is claimed by two banks ( Stearns and XXXX ) demanding me to make two mortgage payments on 1 loan. 

Can you please take a look at the case and help me make payment only once and to the rightful owner of the loan? Also, can you please process the request quickly as I will be late on my payments after XX/XX/XXXX. 


Best, XXXX.
Consumer complaint received 2020-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NE)

On the dates of : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I spoke with several representatives for XXXX XXXX regarding the derogatory listings on my credit report. After fully investigating, they have found no evidence of these listings. 
All they can tell me is to dispute it with the credit reporting agency, I have attempted this twice and have not been successful.
Consumer complaint received 2019-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAVALRY INVESTMENTS, LLC (FL)

I'm a XXXX that was abroad as and internship ; this card app did not accepted my payments from abroad and there was no way possible to apply payments or contact them from the country I was ; also as the balance went into red, they disable the app and i just couldn't get any more info about it.
Consumer complaint received 2024-03-01
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. (FL)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

Summary of Accounts being challenged in list form : 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
Consumer complaint received 2022-03-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

ARS XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious ARS XXXX  I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/1982 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-12-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (PA)

As consumer and natural person, was denied when I applied for checking account by CHASE BANK, on XX/XX/2022. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C XXXX CHASE BANK, are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by CHASE BANK,. due to the response I received. CHASE BANK, is in violation of 15 U.S.C Code 1642. U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but account was not issued. Furthermore, because my social security number ( credit card ) was used, and I received NO benefit. This is proof of fraudulent activity ( UNAUTHORIZED USE OF CREDIT CARD ) on behalf of CHASE BANK. I, the " consumer '', '' principal ', " surety '' '' beneficiary '' of the application. The application should've been approved.CHASE BANK also monetized the application. Which is FDIC insured $ XXXX. CHASE BANK is in multiple violations.15 U.S. Code 1602 ( i ) in regards to using my SSN which is a credit card. The application that was filed is also being securitized and proceeds have been made without my knowledge. 15 usc 1601 ( TILA ) Credit 15 usc 1692 ( FDCPA ) -Debt 15 usc 1681 ( FCRA ) -Consumer reporting/reporting/reports. 15 usc 1691 Equal Credit Opportunity Act Aka Discrimination from your creation.