davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2021, I received a text message alert saying that someone is attempting to XXXX  {$5000.00}. It asked me if I was the one trying to XXXX  the money and if not someone from the bank would be contacting me. ( This has happen with my credit/debit cards so it was not unusual. ) My phone rag and the caller ID said Chase bank. The agent on the other line said that the funds were sent but in order to reverse the transaction I would need to XXXX  the funds back to myself. He walked me through the process of sending the funds to myself. 

I did not fear anything at this point because I was simply sending the funds to myself and no one could get the funds except me because my email and phone number only belong to me and no one can legally use or claim them as their own. 

The Agent said someone would be calling me from the bank. When no one called I called the bank. Chase bank said that it was a scam and they are not responsible. They said to call XXXX at which time I found out that Chase is part owners of XXXX. XXXX said to talk to Chase?????? 

They completely have been giving me the run around!! 

I did some research and found the attached stories of tons of people who have had fraud committed against them for thousands of dollars in this same manner. 

A local news station Channel XXXX used its legal team to help victims recover the funds that they lost. The legal team ( attached ) found a Federal Regulation ( Regulation E ) that protects consumers from third party fraud. A directive was sent out in XXXX of this year. 

I filed a complaint with the Department of Agriculture and Consumer Services. They have also contacted Chase bank. I still have not heard from the bank about returning the money to my account. 

Everyone got their money back from the bank when channel XXXX confronted the bank. The reporter asked if the bank was familiar with REGULATION E. They said they were.
Consumer complaint received 2022-12-16
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. (AL)

I am submitting this without any influence and this is not a third party. Experian has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719 experian has me at a score around 590. That is a huge difference. experian paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with experian spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with experian. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact experian more than 21 times.experian is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX homeless XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.
Consumer complaint received 2021-11-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET. The credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 


REASON : FDCPA Sec 807 Misleading False Reporting- This violates the FDCPA law thus you need to remove this report off my credit report! 
Company Name : XXXX XXXX ( Original Creditor : 09 XXXX XXXX XXXX ) Account XXXX
Consumer complaint received 2024-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

The Bank of America Corporate Center XXXX XXXX XXXX XXXX, XXXX, NC XXXX Dear sir, Upon the request written by your branch addressed XXXX XXXX XXXX, XXXX XXXX, TX XXXX, I write the following answers. 
Credit Card : deleted Banking accounts : deleted I enclose the copy of the documents regarding my accounts, including a joint account, which show suspicious movements. 
I have not received any report from your company regarding these accounts. 
I do not have any copies of payment regarding this file. 
Due to the sensitive file, I would like to send it to the headquarters of the Bank of America addressed above. 

Sincerely,
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, XXXX and Equifax a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.
Consumer complaint received 2022-09-26
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. (TX)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2021-11-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

In XX/XX/2021, I received a letter from XXXX claiming I didn't pay my property taxes. Since the inception of my mortgage, my property taxes have been paid timely automatically from my Escrow. However, PennyMac failed to pay property taxes causing me to receive an embarrassing rebuke from the County, for which, I entrusted this responsibility to Penny Mac from origination to on-going maintenance of my mortgage. PennyMac claimed there was insufficient money in my escrow once " I " made them aware of this issue, in which is another problem within itself and should open question to Penny Mac 's capabilities and controls for monitoring similar issues with other borrowers. Nevertheles

s, PennyMac presented options in which they could resolve the issue, in short, they submitted a payment to the County AND " elected to '' roll the balance into my ongoing mortgage monthly payments for 3-4 years without my expressive consent. I have issue with PennyMac 's management and oversight of its escrow activities. PennyMac should have had better processes and controls in place to detect and prevent this property tax gap and miss-payment. PennyMac took over this loan through a refinance and should have had processes in place to ensure my property taxes would be paid timely, just as the previous owner of the mortgage.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

During the XXXX pandemic, the lender provided accommodations on my loan due to a hardship. The loan was reporting late XXXX  times and repossessed. The account was brought current XX/XX/XXXX and per section 4021 of the CARES Act once the account the consumer brings the credit obligation or account current, the furnisher must report the credit obligation or account as current. On previous CFPB complaint # XXXX the company responded to the by saying " We have reviewed our members tradelines with the XXXX nationwide credit reporting agencies and noted a discrepancy. We will submit a request to the XXXX credit reporting agencies to update their records. '' The changes that were made was a removal of the repossession. The XXXX payments are still reporting. The Cares ACT was continued into effect until XXXX  months after the XXXX XXXX ended XX/XX/XXXX. Well past the timing of the XXXX  payments in question.
Consumer complaint received 2021-04-15
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. (NC)

Good afternoon, I am writing to delete the following information in my file. Also attached below are a list of the The items I need deleted. As well as the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report so I can move forward with my life. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Thank you!
Consumer complaint received 2019-10-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: World Acceptance Corporation (IN)

I receive phone calls every single day, sometimes multiple times a day from World Finance Corporation. They call from random numbers, different offices, everything. I add each number to my block list. I have been making payments as I can and the loan is not in default. They are still actively receiving the payments and yet still leave voicemails stating " Hey XXXX, it's XXXX with World Finance, I need to hear from you TODAY XXXX. " - called from XXXX. " This message is for XXXX, it is very urgent that you contact World Finance. '' " XXXX please return my call today. '' No introduction. Everyday is a bit redundant especially since I am making payments. If there's an issue with my payments then they should send my account to collections and let me deal with it. Not calling me every single day like I'm secretly withholding money that I certainly don't have.
Consumer complaint received 2023-01-13
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. (NJ)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX, XXXX Original creditor XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$1400.00}, XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I was recently reviewing my consumer report and noticed some XXXX  payments on an account that I was never XXXX  on. The consumer reporting agencies have played a vital role and have the ability to report consumer information as accurately as possible. I have never been XXXX  on any payments for XXXX XXXX XXXX XXXX account # XXXX. Please do a complete investigation and provide proof with statements showing me when these payments were XXXX. If the proof of XXXX  payments can not be shown for this account, I demand these payments be updated to on time as they should be because I was never XXXX. 

According to 15 U.S Code 1681 the consumer reporting agencies must follow reasonable procedures to assure the XXXX  possible accuracy of the information concerning the individual about whom the report relates. In this case this violates my rights because inaccurate information is being reported by a consumer reporting agency and should be deleted from my consumer report.
Consumer complaint received 2019-07-04
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. (OR)

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 


XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2019-10-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: FIRST REPUBLIC BANK (NY)

The wire transfer happened on XX/XX/19 at XXXX. 

I had been on the phone with a person claiming to be a US Marshal with a name and badge number, as well as my case number. Long story short, this person took over three from XXXX saying that my social security number and identity were used to rent apartments in Texas where they found drugs and also to wire money internationally. So they said that they have to verify my own money and put them in federal custodial account while they prosecute these identity thieves. So they eventually got me to take a cab to First Republic bank in XXXX and wire transfer the money to a XXXX XXXX bank. As I was getting back home and trying to communicate with my husband ( I was told to not involve him, but he was freaking out knowing that something was wrong ), I began to realize I was being scammed. Immediately, I called First Republic at XXXX to recall the transfer and explained that I was being scammed as I was walking over to XXXX XXXX precinct. Now the bank is saying that they could not recover the funds. I don't understand how this is possible, as even if I transfer money from my account from one bank to another, it takes 4-5days to clear. Also, the security measures taken by the bank was  nonexistent, as I didn't even have my driver 's license with me or any photo identification at the time I went to the bank. Later, I was also told by another bank 's teller that not only they wouldn't do such transfer without photo identification, but also they wouldn't execute such transfer of large amount of money without my verification that I know the receiving person. I have been in contact and keeping in touch with people at First Republic bank, and they have been responsive but not helpful. If these international wire transfers are so instantaneous as First Republic says, then there must be more security measures taken including checking my photo ID. Also, I was there in completely shock state reading off the information of the XXXX XXXX bank, recipient name, account number, etc in spelling-letters fashion from papers that I had scrabbled these onto and when the banker asked me what the money was for, I couldn't answer him until I scrambled to find what I was told to say on the next page of the paper. All of these should have set some alert ... Something so that this kind of transfer can be stopped when I called less than four hours later.

Of note, I found out through US Marshal and FBI to email complaint to them, then later found out on website about FTC complaint that should be filed, then when I called to follow up, I was told be file IC3 complaint, all of which I have done and shared with First Republic -- again, they responded to my calls, but gave me no help with any  information regarding these complaint filings. Again, from another bank, I was also given information and instruction regarding identity theft and protection, but no one at First Republic gave me any information of such.
Consumer complaint received 2016-01-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is my third letter to them in regards to accounts listed on my credit report with their organization that are the result of identity theft and they have failed to process my disputes pursuant to section 605B of the FCRA. They continue to send me letters stating that I am not providing the proper identification, and yet I have sent my driver 's license, tax forms, proof of address, police report, FTC affidavit and statement of identity theft with each letter. You sent a letter stating that you are declining to process my disputes as identity theft because you believe them to be either in error or because I received goods or money in exchange for this. I have submitted a complaint with the CFPB in regards to that as well as their continued failure to process my disputes, send me credit reports or provide me with further assistance as required under the FCRA. *I have never claimed identity theft in the past, and I have provided all required documentation. 
When I take them to court they will need to explain why they did not process my disputes and the only reason they will have is that one of their processors did not have the time or energy to investigate my accounts and took the easy route and sent me that notification. 
They have violated my rights under said section and I have no problems seeking the damages available to me. Not only did every letter get sent certified, but they were also faxed and received by them. I have the proof that these were received and that the required documents were sent with said letters.
Consumer complaint received 2019-08-03
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CT)

The Home Depot Credit card services ( Citibank ) has called me no less than 4 times each day to try to collect a debt. 
I missed one card payment and told them that I would pay in a couple of weeks because I just got a new job. I only missed one payment. Rather than wait until the 2 weeks went by, they call at least 4 times each day and it is more than annoying. I'm trying to work and they are blowing up my phone- which causes issues with my work.
Consumer complaint received 2019-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have attached attachments as proof. Transunion-which is the ONLY credit bureau the company, XXXX XXXX XXXX, usesreduced and then reported a WRONG score of XXXX to them which caused a result in denial of credit for approximately {$150000.00}, on XX/XX/2019. I reviewed my own score on XX/XX/2019, which was XXXX, which met XXXX lowest score requirement of XXXX! When I received their denial I immediately inquired why thinking discrimination ; however, when I received the letterattachedI can clearly see is possibly discrimination but definitely a violation of my rights under FCRA on the part of TransUnion Credit Bureau. I checked it AGAIN AFTERWARDS and it is now XXXX, still higher than the XXXX that XXXX required!!! TransUnion is vaguely in violation of consumers rights we should be able to file class-action lawsuits! TransUnion has regularly reported false and fraudulent reporting, but this goes beyond measure.
Consumer complaint received 2019-08-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SUNTRUST BANKS, INC. (TX)

I opened a SunTrust checking account in XX/XX/2019. I had my XXXX benefits deposited direct deposit into the checking account. The first deposit was made XX/XX/2019. On XX/XX/XXXX I had a company call me regarding a loan that I had applied for online supposedly. They said their name was light stream loans which are affiliated with SunTrust Bank. They asked me for my login information in order to deposit the loan to my account. I tried to check my account the next morning and was that unable to. I could not log into by phone or through mobile banking. I called and talked to a representative who informed me my account was confidential and could not be accessed by anyone. They told me that I had to have done this. I asked them if I could use my ATM card to withdraw my money they said no. I have no access to the account or my money. They can't tell me anything and will not help me. There is no branch in my state. Which is Texas. I get XXXX due to a XXXX XXXX. The money is not enough to make a living each month. Although I do desperately depend on the little money I get. I have no way to access my funds. Please help me