davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I paid with my credit card for a trip with XXXX XXXX  on XX/XX/2020, for known reasons of the COVID 19 pandemic, the trip was canceled and the XXXX Shipping company returned the amount of {$6400.00} to my Chase bank credit account. USD which is reflected in my account statement dated XX/XX/2020, however that same date I call the bank and requested that the money be transferred to my savings account with the same Chase Bank. And the person who took the call told me that the money couldnt no be transferred to the savings account. Without giving me any explanation or reason why the transfer can not be done, but she told me that she was going to send a check for that amount to the address that I have registered in XXXX California,. However to this date I have not received any check or transfer of this money, I have called on several occasions and I have had contact with different executives and institution`s who had not giving me a reason for the problem that exist., The last executive with whom I had contact with, informed me that they had already tracked the money which had been deposited in a checking account with termination XXXX which does not correspond to me As of today Chase bank does not take responsibility for their mistake.Because of this situationI have develop a condition called XXXX XXXX caused by anxieyi this condition is a XXXX XXXX that prevents me from traveling to fix this matter personally
Consumer complaint received 2021-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Revolut Technologies Inc. (CA)

Revolut has prevented me from transferring more than a limited amount of funds from my account back to the XXXX bank account I've used to fund this account in the first place. More than a month ago Revolut asked me for documents to help prove the source of my funds, which I promptly provided, including my employer pay stubs. They have yet to review these documents weeks later, yet have placed a silent ( undisclosed ) hold on my account.
Consumer complaint received 2021-01-29
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. (OH)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 

This is very disappointing! REMOVE ALL FRAUD ACCOUNTS ASAP!
Consumer complaint received 2022-04-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (UT)

I was on forbearance due to the eviction moratorium and tenants not paying rent. I ended that forbearance in XXXX of 2021 and Caliber Home loans began dragging their feet for approximately 8 months. Finally, they sent out a modification packet at the beginning of XXXX which I signed and notarized the same day and sent back. Afterwhich, I heard nothing. Today, two months later, I received a phone call saying there was an issue with one signature and its been in a holding pattern and has to be reworked. I asked specifically what was wrong they did not know. I asked when the new packet would come back to me, they did not know. I asked to speak to a supervisor, there were none available. I asked to speak to an underwriter, there were none available. I asked to speak to the processor who flagged it whose desk it is sitting on for XXXX months, and I was told that she is unresponsive to their internal communications. I have no idea what is happening and Caliber Home loans doesn't either. I have been unable to refinance my primary residence due to Caliber dragging their feet on this and now rates have gone up significantly. Their actions have affected me financially in a destructive way. Caliber does not care for the home owner and certainly doesn't care enough to notify me when an issue arises nor do they care to resolve it. I have never had such a horrible experience with a company in my entire life. They are clearly too big and the right hand does not know what the left hand is doing.
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WI)

Called USAA CREDIT CARD CUSTOMER SERVICE 2 years ago about credit alert that my credit score went down from XXXX to XXXX Representatives told me it was because I used XXXX $ on a credit card that I asked for a low limit to use online because are other card had XXXX $ of available credit We have never had a late payment had XXXX $ in available credit She told me because I used half of the XXXX $ credit limit. We then got in an argument about this I asked to report a complaint and they would put me on hold and disconnect from me this went on for 3 hours. Since then my credit report from experian has been lowered then the rest of companies. Usaa submits charges that are false on my card the credit reports are lowered on my report then my husbands 2 years this has been going on USAA HAS REPORTED THAT WE OWED XXXX $ false on our credit card. We have been so careful with are money I dont feel a representative should be able to do this to someone who has outstanding credit Please make this stop they recently added a XXXX $ charge that was disputed and refunded back on to my credit card to lower the score
Consumer complaint received 2021-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

A cousin was living with me in my house and he stole my information to open a XXXX credit card account through XXXX Bank couple years ago. The amount is {$1000.00}. When He got sick ( contracted XXXX XXXX ), he decided to talk to me about what he did. Three weeks later he XXXX  of XXXX XXXX.
Consumer complaint received 2019-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (CA)

I purchased some dresses pants shirts from a company unbeknownst to me is known for fraud. They false advertised and they dont follow the measurements you send them. That they require. 

They sent items to me that i didn't order. That were completely different from their advertisement. I contacted discover they told me to upload documents. Their website never works for XXXX XXXX I called them they said use XXXX. I then talk to a customer service rep XXXX In ohio and she said its nothing they can do for me. Even though Discover website never works according to a technical rep stating that. And I received items that i didn't order.
Consumer complaint received 2021-07-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I wasn't able to get investigation results regarding my dispute for these accounts despite of several letters I sent to the credit bureaus. 
XXXX Account # : XXXX | XXXX  Account # : XXXX | XXXX  XXXX XXXX  Account # : XXXX | XXXX XXXX Account XXXX : XXXX | XXXX  XXXX  Account # : XXXX
Consumer complaint received 2020-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION (TX)

Hello, My name is XXXX XXXX, and I am contacting you because I have been trying for over a month to get my money back that was deposited into an BBVA COMPASS atm, but not was not able to go into my account because the atm retained my money. On XX/XX/2020 I went to an outside BBVA atm in XXXX on XXXX XXXX to deposit money for rent a total of {$780.00}. I placed my card in and put In my pin. I went through the steps to make a cash deposit. Once I inserted the money the atm stated to please take unrecognized bills. I waited and waited for my bills to be returned, but it never did instead the atm prompted and asked if I needed more time so I push yes because I had not received any of my money back. I waited about 2 min again until I was asked the same question, then I pushed no because at this time Im frustrated and was going to deposit it at another atm since that one was not working properly. Once pushing no the screen read Please take your chase it is being returned so I waited for my money to be returned. But it never was about 3 min later the screen read your funds are being retained, please contact customer service for further assistance and had given me the 1800 number. I did not receive a receipt or anything so I'm lost at this point. I called, but being that it was a Sunday the banks were closed so I decided to call that following Monday the XXXX of XXXX. I called and explained my situation to the agent who answered the phone they put in a ticket for me I waited 10 days and called back on the XXXX of XXXX for them to deny my claim and say that I never used my atm card that day nor did I make a deposit that the atm funds were correct. I was upset because I know for a fact, I placed my money there I explained to the agent that I did in fact make the deposit they can check the cameras and see me there see the cash in hand seen all my movement. Another ticket was placed to further investigate ( or so I was told ). On today I called back the XXXX of XXXX to be told that the second claim was denied as well. At this point I am furious. I work hard for my money for it to be given away to a bank. I have placed a 3rd ticket, but I have decided to contact you guys because this is too much and I just want my money back.
Consumer complaint received 2021-05-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (TX)

To whom it may concern, I am subitting this complaint because I was never aware of this balance or this collection until I requested a copy of my credit score and I contacted them. I called the number on the credit bureau and I inquired as to what this was about. Then that is when they told me it was some XXXX XXXX I do not recall or had knowledge of any balance owed to this company and they never tried to collect or contacted me. As I mentioned If I had not requested my credit report I would have not even found out. 

I am requesting for them to remove from my credit bureaus ASAP.
Consumer complaint received 2018-07-25
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: Ad Astra Recovery Services Inc (CO)

Defendants have been reporting derogatory and inaccurate statements and information relating to Consumer and Consumers credit history to third parties ( hereafter the inaccurate information ). The inaccurate information includes, but is not limited to, accounts with Astra, XXXX and personal identifying information. 

Despite Consumers efforts, Defendants, have never : a ) contacted the Consumer to follow up on, verify and/or elicit more specific information about Consumers disputes ; b ) contacted any third parties that would have relevant information concerning Consumers disputes ; c ) forwarded any relevant information concerning Consumers disputes to the entities originally furnishing the inaccurate information ; d ) requested or obtained any credit applications, or other relevant documents from the entities furnishing the inaccurate information ; and e ) performed any handwriting analysis.

Defendants XXXX willfully and negligently violated the FCRA, 15 U.S.C. 1681i by failing to perform a reasonable re-investigation into Plaintiffs disputes, failing to forward all relevant information to the furnish-er, parroting the furnish-er, and failing to notify Plaintiff of the results of the disputes. 

Defendants Astra and XXXX willfully and negligently violated 15 U.S.C. 1681s-2 ( b ) by failing to perform a reasonable investigation into Plaintiff disputes, which would have included reviewing and considering that Astra and XXXX did not have Plaintiffs signature on any documents, that Astra and XXXX had illegally reported accounts in Plaintiffs name without his knowledge or consent and that Plaintiff had multiple direct conversations with Defendants Astra and XXXX about this fraud.
Consumer complaint received 2020-09-18
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. (NY)

I disputed the inaccurate information on the USDOE/XXXX  account with the three major credit bureaus : Transunion, XXXX  and XXXX. They all said that they verified the information on the account. How could it be verified when all the information that the burueas has from the company are different. The date last active, last reported to name a few. Where are the bureaus getting their information from if all the information from the company is different? I have uploaded the information that compares all three credit bureaus information on the account and highlighted the innaccurate information. It is a violation to report inaccurate information.
Consumer complaint received 2021-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2021, we paid for 1 night at an RV resort using a Chase credit card. we requested a refund from the resort on XX/XX/XXXX, and were refunded {$33.00}. 

However, this particular credit card was closed by Chase in XXXX and a new card was issued. This new card was transferred to XXXX XXXX on XXXX XXXX. XXXX XXXX XXXX refunded the money to the Chase card ( which had been closed ). Even though the Chase card was closed, Chase accepted the refund. XXXX XXXX XXXX advised us that the money was taken out of their account. 

We have contacted Chase numerous times over the past month, and have gotten the run around. We have been transfered from one person to snother, sometimes being on the phone for over an hour. ON XX/XX/XXXX, they eventually gave us a case number and said they would look into the situation, but we have heard nothing. Two weeks later they told us the case was closed..no reason given. The bottom line is we never received the refund we were entitled to.
Consumer complaint received 2023-02-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Elevate Recoveries, LLC (AL)

on XX/XX/XXXX i sent a letter to ELEVATE RECOVERIES LLC ELEVATE RECOVERIES LLC ATTN : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX USPS CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX Re : Alleged Original Creditor : XXXX XXXX XXXX Alleged Original Creditor Account Number : XXXX XXXX XXXX Account Number : XX/XX/XXXX Alleged Debt Amount or Balance : {$91.00} Dear ELEVATE RECOVERIES LLC : I recently received communication from you attempting to collect the above-listed alleged debt. Your initial communication to me in attempt to collect the alleged debt was within 30 days ago. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. I request verification of the alleged debt. Specifically, I request the following items for verification : ( XXXX ) a copy of a contract or agreement signed by me and the alleged original creditor that expressly authorized my legal obligation to pay the amount that you are now attempting to collect from me ; ( XXXX ) proof that you are authorized to collect the debt on behalf of the original creditor or as owner, which may include a debt collection contract, if a debt collector, or bill of sale, if a debt buyer ; and ( XXXX ) ( Audit Trail ) evidence and itemization of the amount due on the alleged debt, which may include proof of payment and receipt by me of any funds loaned or proof of charges for funds advanced for me. You are illegally attempting to collect the subject alleged debt because I do not owe that amount. Cease and desist all collection activity, including all reporting to consumer reporting agencies. Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your requests to CRAs to delete your reporting of the alleged debt. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter over to an attorney.
Consumer complaint received 2023-02-23
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. (FL)

First and foremost I am the original creditor 15 USC 1692 ( 4 ). I am the originator and the consumer. 
Secondly, XXXX mailed me a signed consumer contract on XX/XX/2022, which is not sufficient evidence of a debt. All that means is a credit transaction took place. 
According to case law, XXXX XXXX XXXX XXXX, The term " debt '' is defined in 15 USC 1692 ( 5 ). A " debt collector '' is defined in 15 USC 1692 ( 6 ).

My rights as a consumer have been violated. According to " Permissible Purposes Of Consumer Report '' 15 USC 1681b ( a ) ( c ) ( 2 ) I never gave any credit bureau written consent to report Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX AND Account # XXXX on my credit report. The fact you have a consumer report for me is a violation see Exhibit A attached of my consumer Report. 

I am demanding that XXXX produce proof of a WRITTEN note from me, the consumer, giving them consent. If they can not then this is a violation of 15USC 1681q and 15 USC 1681a ( 3 ). 

What I am demanding right now is that you guys delete the following XXXX  Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX AND Account # XXXX off my report. I can give you the CFPB report number. If this does not get deleted immediately, I will be seeking statutory damages since you willfully violated the obligations under the FCRA and FDCPA.
Consumer complaint received 2022-04-26
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: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make a consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2021-11-10
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: Bepensa Capital, Inc. (IN)

Credito real has reported private information on my consumer report that I did not give them consent. I take pride on having the right to privacy and my privacy has been breached. My federal rights as a consumer has been violated. 15 U.S.C. 6801 states that that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

they are reporting an illegal repossession and late payments that is ruining my reputation and defaming my character as consumer which is not public information that could searched. not one person can research that I was late on a payment or that a my property was illegally repossessed. 

The definition of non public information under this subchapter also could mean any information resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. 


THIS IS MY FINAL NOTICE BEFORE I PERSUE LITIGATION
Consumer complaint received 2023-03-04
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: ERC (CA)

Improper use of your report 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose In Accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose