davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I found a puppy for sale online. 
I asked them lots of questions including name and contact info. 
I spoke to the person on the phone, exchanged many emails detailing the contract. 
A contract was signed and we agreed to send the individual {$700.00}. 

We sent the individual the payment in full through XXXX directly from the Chase Mobile app. The individual confirmed that they got the payment and even followed up with asking for us to pay for a " COVID Crate '' for the puppy to travel in on the flight. I then googled this COVID Crate and found that this is a common scam. I asked for a refund and called the person who then denied to give us a refund and admitted that it was a scam. 

When I reached out to XXXX, I was directed to go through Chase to dispute the transaction. 
When reached out to Chase I was told that this type of transaction is not protected and that I the only thing that could be done is ask for a " Courtesy Refund '' which basically requests a payment reversal through XXXX, but the scammer has no obligation to accept. 

It was unbelievable to me that a company ( XXXX ) who uses banks to track these transactions are not willing to track down and persecute known fraud or even offer any assistance to me. This should be defined more clearly through the XXXX app and warnings should be issued when sending money to a new contact - instead the money was transferred instantly and is now gone forever.
Consumer complaint received 2017-11-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I had a checking business account with Capital One. On XX/XX/XXXX i tried to make a transaction at a XXXX and the transaction was declined. After several attempts i called the bank and was informed that my account was closed and also my relationship with the bank was ended. The bank was not able to provide me with any information about the reasons behind the closing of the account, yet the still had over {$10000.00} dollars in their custody from my account. I was told to visit a branch but it was too late so all the branches where closed and i had to go the next day. On the XX/XX/XXXX i visited the branch where after a few hours of constant struggle they released my funds but no explanation was provided as the why my account was closed. 
The bank stated that they can close my account for any suspicious activity, or activity that would warrant them the consideration of closing my account, or for no reason at all. 
I mentioned to them that it was not fair that my account was closed since all i own is a tech start-up that works with artificial intelligence and there was really nothing but routine business being conducted on the account. 
After several hours the bank agent said he had done all he can to identify what happened or the reason behind the severed relationship but yielded no results, and that he will get back to me since the fraud department told him it was not a fraud issue. He was told to write an email and they would mail me a check with my funds. I insisted they release my funds which they did and gave them to me in cash. He also gave me a number to call and follow up. I called the number and it was the same thing after over 30 minutes on the phone with them they could n't explain why it happened. I asked them to provide a reason at their earliest convenience since it would look back for my business. During my conversation with the teller on XX/XX/XXXX we where able to identify that someone had access to my account and attempted a transaction at XXXX XXXX. They also failed to give me any information on this in person, or over the phone. So i took the transaction records and i will be reviewing them and going back to them when and if i identify any additional activity or transactions. 
Today is Saturday XX/XX/XXXX and i have yet to receive a call from the bank.
Consumer complaint received 2021-10-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (PA)

US Bank, National Association Acct / XXXX XXXX US Bank is foreclosing on my home. After the foreclosure moratorium was lifted, was not given any loss mitigation options and they immediately applied for a sherriff sale date in XX/XX/2021. I was not given any loan modification options. My wife was laid off during the pandemic but now we are both working and we could afford to make the monthly payment if we are able to get a modification with an interest rate reduction. US Bank refuses to speak to me about loss mitigation or a modification.
Consumer complaint received 2020-11-30
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. (IL)

I have followed the guidelines in disputing incorrect account information on my credit report. The credit bureaus have not responded in a timely fashion, which is against the law. I am now exercising my rights to demand the deletion of the unverified accounts listed in the letter I sent them. This has hurt my ability to obtain credit and need this completed as soon as possible.
Consumer complaint received 2023-01-30
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (IL)

On XX/XX/23 I received a call on my cell from XXXX. They claimed to be from Target and asked to speak with my husband XXXX XXXX. When I replied that I was his wife they asked for his number. I thought that seemed suspicious that they were asking for me and not my husband so instead I asked for their number so he could call them back. When I initially googled the number it said high fraud alert so I didn't do any more digging. They called again on XX/XX/23 and left a voicemail. On Saturday I received a Target credit card in the mail, but I have never applied for one. I called Target on Sunday and they put a freeze on it and told me to call the 3 credit agencies. They told me one charge had been made so far, but they did not tell me the amount. I'm guessing it's under {$100.00} because the paperwork with the card says Temporary Credit Limit : {$100.00}. I found out later that the initial calls were really from Target to ensure I wanted a credit card opened with them.
Consumer complaint received 2021-10-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Palm Beach Credit Adjustors, Inc (FL)

Focus financial XXXX XXXX XXXX XXXX XXXX XXXX, XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$500.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Consumer complaint received 2024-02-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the FCRA, acct. # XXXX XXXX XXXX and ACCT. XXXX XXXX has violated my rights. The credit bureaus stated that my accounts was properly investigated but how is that possible if the open dates are inaccurate, the last date are inaccurate. I have circle all the inaccurates on my credit report. This is grounds for removal from my credit reports. 15U.S.C. 1681 SECTION 602A states I have the right to privacy. 15U.S.C. 1681 SECTION 604A It also states a consumer reporting agency can not furnish an account with out my written instructions. 15U.S.C. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 15 U.S.C 1681s-2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-09-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

I called XX/XX/XXXX and it was a recorded line basically saying that I need to dispute with credit reporting agency they will send over the dispute to the Fraudulent company midland funding LLC for the amount of {$310.00} from a buy back from XXXX XXXX from back in XXXX. This agency was another collector that was on my Bankruptcy over 15 years ago! Looks a little different. But in researching this collection agency. They should have been shut down a longtime ago by FTC and US Government. I see nothing but Fraudulent amount, that don't belong to ME. So why in the XXXX does XXXX XXXX appear so many times on my credit report in a 3 Reporting agencies. I mean come on you piece of garbage.I 'm in the  process of contacting my attorney who did the Bankrupt for me I can't find my order and all the creditors that collectors that were on there. I was a victim of fraud before and Present. This collection agency. Y'all should XXXX them. It scream Fraud. Get the XXXX off my report.
Consumer complaint received 2020-11-30
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. (TX)

Over 10 months I mailed dispute letters to Experian, XXXX, and XXXX  regarding the correction of several inaccuracies on the following accounts XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX  XXXX  to 15 U.S. Code 1692g, letters requesting the validation of debt were mailed on over 10 months directly to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  In accordance to 15 U.S. Code 1692g XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  were to provide a breakdown of what the past due balance is for and a copy of the original signed contract from the original creditor. As of today, the credit reporting agencies ( Experian, XXXX, and XXXX ) and credit furnishers have yet to respond back to the disputes, debt validation, and section 609 requests.
Consumer complaint received 2021-10-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

I refinanced my home to get out of a terrible experience with prior loan " servicer '' .My refi is thru XXXX XXXX  XXXX-and came to realize THEY farm out their customer payments through Rushmore Loan Management XXXX XXXXSorry XXXX can't provide any real address.They have multiple po box es, so will supply their complaints box : XXXX XXXX XXXX XXXX, CA. XXXX complaint early into this process.I 've been down this rabbit hole before:1st-in attempting to work amicably w/this company ( realizing I may not understand their process ) -I was told simply to render payments closer to the due date.Briefly : there is no direct response, accountability or person to contact.I invite you to try! Virtually every # called is a minimum XXXX0-15 min.hold, with the standard, " leave your # and someone will call back '' .Problem? I have submitted 2 seperate mortgage payments ( XXXX due XXXX XXXX due XXXX ) through the USPS to their own po box .Coupons and instructions from statements per Rushmore 's requirements.Both times a principle curtailment got applied.Not the obvious mortgage payment in the amount due.Both times required several contacts to apply a reversal to their error -- -which, they in turn state can take 3 days to reflect.Rushmore is a debt collection agency.I work, am a veteran, and have chronic health issues.I am not willing to chase this company 's mistakes every month, bearing in mind their errors can severely and negatively impact my investment.If your agency can reach them, I want to know why they can not /will not apply the payments as directed by their own prorocol.It feels as if they're deliberately setting things up to throw my payments into delinquency.
Consumer complaint received 2021-10-11
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The particular account CAPITAL ONE opened XX/XX/XXXX that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2020-11-30
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV INC. (FL)

I have a prepaid Money Network card rom my employer which is where i receive my paycheck. I noticed that there was a lot of money missing form my account on XX/XX/2020. I immediately notified them, they did issue me a new card and sent me forms to fill out. I filled everything out, along with a written statement explaining what happened. I do not often check this account, however when I was made aware of the problem, the scammers had stolen over {$3600.00} from my account. All charges were at gas stations and XXXX XXXX. Looking at my account, you can clearly see these charges should have been flagged ling before this amount should have been taken. Money Network said it would take up to 10 days. I called them again, and they said my claim was denied. I have filed police reports with the XXXX XXXX Police, the XXXX County Sheriff 's Office and the FBI since it is a considerable amount of money and yet Money Network still will not reopen my case. When I spoke with the police, they informed me that they are aware of this problem and have been unable to apprehend the scammers. I am reaching out to you in hopes that you can question the integrity of this institution and do the right thing by getting me my hard earned money back. I am not in a position to lose this amount of money. I can be reached at XXXX or XXXX. Thank you
Consumer complaint received 2017-12-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: M&T BANK CORPORATION (MD)

I opened an EZChoice Checking account with M & T bank on XXXX with a promotional offer of XXXX cash bonus after direct deposit of XXXX within 90 days ( XXXX XXXX XXXX XXXX. Upon fulfilling the requirement on XXXX, I sent out an secure message to the bank trying to confirm the bonus and the approximate date on which the bonus will be deposited. However, M & T bank denies the promotional code being attached to my account, and refusing to give out the bonus.
Consumer complaint received 2023-01-30
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. (NY)

I am making this complaint by my own free will not with a third party but me myself and I so please do not close it down. Please submit it to the credit reporting agencies. so i was looking at my credit report and i noticed that there were some accounts i didn't recognize so i wrote to the credit bureaus asking them to remove the accounts that didn't belong to me and i never heard anything back and the accounts are still on my credit.
Consumer complaint received 2021-10-19
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: Credit Wise Recovery Solution LLC (FL)

In my credit report, show an account, it's not my, is XXXX  XXXX XXXX, I don't have any credit card from them. 
The account for {$10.00}, I don't recognize this account.
Consumer complaint received 2020-09-01
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: ResidentCollect, Inc. (SC)

On XX/XX/2019, Innovative Recovery Inc added a derogatory remark on my credit report per XXXX XXXX. Upon further research, this account was transferred and I am no longer reliable for this account. Debtor 's creditor did not verify this collection. Also, there was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate a debt and anybody can send me a bill and say it's mine. According to the FCRA, INNOVATIVE RECOVERY has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2021-10-11
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. (FL)

PLEASE HELP ME WITH SOMTHING, IVE BEEN A VICTEM OF IDENITY THEFT.. SOME USED MY CREDIT AN GOT MEDICAL TREATMENT IN MY NAME. I ALSO HAVE AN ACCOUNT THAT WAS REMOVED DUE TO FRAUD AND IT HAS REAPAERED ON MY REPORT. THE PROMBLEM IS THE COLLECTION AGANCY DID NOT SEND ANYTHING IN WRITING SAYING THESE ACCOUNTS WERE BEING ADDED BACK TO MY REPORT.. THE FOLLOWING COMPANIES PLACED ACCOUNTS ON MY CREDIT REPORT WITH OUT PROPER NOTICE.. THIS IS A VIOLATION OF FCRA.

1. XXXX XXXX XXXX, {$1000.00} ACCOUNT NUMBER XXXX I'VE NEVER DONE BUSINESS WITH THIS COMPANY OR ENTERED INTO A WRITTEN CONTRACT WITH THIS COMPANY. THIS COMPANY PUT THIS ITEM BACK ON MY REPORT WITH OUT 5 DAY WRITTEN NOTICED..

2. XXXX XXXX XXXX, {$380.00} ACCOUNT NUMBER XXXX I'VE NEVER DONE BUSINESS WITH THIS COMPANY OR ENTERED INTO A WRITTEN CONTRACT WITH THIS COMPANY. THIS COMPANY PUT THIS ITEM BACK ON MY REPORT WITH OUT 5 DAY WRITTEN NOTICED..

THE FOLLOWING ACCOUNTS BELOW, ARE FRAUDULENT, IVE NEVER DONE BUSINESS WITH THE FOLLOWING COMPAINES, IVE NEVER ENTERED INTO A WRITTEN CONTRACT WITH THE FOLLOWING COMPANIES. 

1.PHOENIX XXXX {$1900.00} 2..XXXX FINANCIAL {$1300.00}
Consumer complaint received 2021-04-10
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: LEXISNEXIS (IL)

Dear CFPB representative, According to my XXXX, XXXX  and XXXX Credit file I filed for bankruptcy. Before this FALSE INFORMATION was reported, my credit score was a 700+ and my balances were very low. I wasnt having credit issues and no need to file for bankruptcy. However, someone elses bankruptcy is being reported on my credit file. As you can imagine this has drastically impacted my credit score. After speaking with a representative from each company I was advised that the Lexis Nexis Consumer Center and XXXX XXXX XXXX is where they received this false information about a Bankruptcy. However, when I reached out to both of these agencies they either told me that they couldnt find my information or that the bankruptcy had been verified ( They never sent me any proof of verification ). Moreover, XXXX has completely ignored my request to tell me where they received this false information and to remove it. Even after I gave them proof ( letter from the bankruptcy court they have listed on my credit reports ) that they made a mistake and must remove it from my credit report. 

Frustrated, I decided to contact the Bankruptcy court, and they informed me that they do not provide anyone with a debtors full social security number, and they do not perform any activities with the credit bureaus. They also stated that they couldnt find the case name or number. I have attached documents of proof to this letter. CAN YOU PLEASE HELP ME RECTIFY THIS MATTER. My credit score means everything to me and this issue has really set me back. 
Sincerely, XXXX XXXX
Consumer complaint received 2020-11-30
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. (DC)

I HAVE SEVERAL ISSUES WITH MY CREDIT REPORT SEE LIST ON ATTACHED XXXX DOC ' THERE ARE MULTIPLE UN AUTHORIZED INQUIRIES THERE ARE LATE PAYMENTS THAT NEVER HAPPENED THERE ARE COLLECTION ACCOUNTS THAT ARE NOT MINE
Consumer complaint received 2021-10-19
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. (NY)

This is not a dispute request but a complaint that my rights as a consumer have been violated under the FCRA because I have NOT HEARD ANYTHING from the bureaus in 90 days regarding my dispute and I have sent two dispute letters requesting an investigation to the following accounts : XXXX  XXXX  Account Number : XXXX, XXXX Account Number : XXXX,
Consumer complaint received 2020-09-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc. (MI)

On XX/XX/2020 by certified letter I contacted Choice Recovery in regards to an alleged debt appearing on my credit report. Letter attached. In goodwill I offered to quickly resolve this account by paying the {$170.00} if Choice recovery agreed to delete this from any and all credit reporting agencies. Paying this unverified amount is no benefit to me if they do not agree to delete.I know they have the absolute right to report, not report or delete from all credit agencies. A validation letter was also sent to Choice Recovery. Letter attached. 
On XX/XX/2020 I received a letter form Choice Recovery also  attached. The letter does not confirm validation. No signed contract or agreement, payment history, license numbers and the name of a registered agent licensed to to collect in Michigan but instead the letter I received is only a threat to attempt to collect alleged debt by any means without any validation or response to my goodwill attempt.