davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-04
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. (TN)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my XXXX to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXX, DO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/2001 XXXX XXXX XXXX XXXX, TN XXXX XX/XX/2001 XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX
Consumer complaint received 2022-11-20
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (GA)

I was call by a person who told me there were a Chase representative from the fraud department. The number on my caller said Chase Bank so I didnt question the call. The person I was speaking with was professional and thorough and so I proceeded as usual. I was informed to check my account to verify that an unauthorized transaction had occurred in XXXX in WV in the amount of {$180.00}. Upon checking my account I saw that this information was true and so the conversation continued. As the rep went on about what action we would take next they also informed me that this same individual attempted to wire themselves money in The amount of {$6000.00}. In order to reverse this transaction and prevent it from happening I was told I would need to do a wire reversal. At this point in the conversation I was confident that who I was speaking with was here to help and actually a Chase rep. I did as I was instructed to retrieve what I was told had been compromised. Only to find out that it was a scam. This person walked me through the steps of sending a wire via my Chase mobile app in the amount of $ XXXX to XXXX XXXX. This was who I was told had attempted to send a wire and that I would need to reverse the wire sent by following the steps. After the wire was sent to another Chase account the fraudulent Chase rep even told me to hold as they needed to run a virus scan to make sure that all my devices had been properly logged out of and secure. I was left on hold for 20 min before the call dropped. When I called the number back it routed me to an actual Chase Bank number. I followed the prompts to reach customer service to complete the process. As I informed Customer service that I was trying to reach the fraud department that I was just talking to we learned that the call I had received was not an actual Chase rep. 

After speaking with the Real Fraud department I was told that this was a case for the Chase Wire Research Team and I would need to send them a message to recall the wire via the secure message center. The wire research team was no help at all. They strung me along weeks at a time saying they were waiting to hear back from the receiving bank. But this wire went from one Chase account to another. They then told me they we waiting for a response from the credited party for them to authorize the funds to be returned. Despite the messages I sent the wire research team letting them know that the person they are trying to hear back from is a scammer. After 4weeks of going back and forth with Chases wire research department and the claims department the case was closed and I seem to have now lost $ XXXX to a scammer. This is my final attempt and only hope in getting some type of restitution or refund.
Consumer complaint received 2016-04-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: The Affiliated Group, Inc (CO)

This company called my relative at the above mentioned number repeatedly after I advised that this was a relatives number and not my own. They refused to identify the name of the Company that they represented when ask specifically by my relative in order to take a message for me to call back. They also refused to put the number on notice when requested and continued to not only call the number several times a day but hanging up when my relative answered the call. He finally had to advise them that the had the wrong number and the phone calls have not ceased as of today.
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo charged me numerous upon numerous overdraft fees for 14 months +. I was charged and given poor excuses as to why and always told different reasons as to timing schedules of transferring money into checking. 
I never kept a lot in checking as you never should. So money was always available in savings and other business accounts as well.
Consumer complaint received 2021-04-20
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CO)

In XXXX of XXXX, I faxed CareCredit Synchrony Bank to enact my Servicemembers Civil Relief Act Benefits providing a letter / fax requesting the benefits as well as providing all the necessary documents needed to enact benefits. While CareCredit Synchrony Bank has lowered my apr to 0 %, they have yet to prorate the balance from XXXX XXXX as indicated on the letter and correspondence they provided. I have additional Synchrony bank accounts for my Amazon  card and XXXX Maxx card which have lowered the APR to 0 % as well have prorated the balance. Despite repeated phone and fax attempts to get information from CareCredit Synchrony Bank regarding my prorated balance, they either can not provide me with information or in a phone call on XX/XX/XXXX told me that the balance will be prorated for my May Statement. I have received my May Statement and the balance still remains not prorated. I have continued to make my monthly payments on time. I most recently contacted Synchrony Bank today, XX/XX/XXXX who wanted me to once again send a letter or fax regarding benefits which I already did on XX/XX/XXXX and received no correspondence nor information from Synchrony Bank. I took the liberty of sending an additional fax today XX/XX/XXXX to CareCredit Synchrony Bank per the advice with customer service agent I spoke with today XX/XX/XXXX.
Consumer complaint received 2022-01-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (FL)

On or before XX/XX/XXXX, I, was under XXXX XXXX Bankruptcy, which was completed discharged in XXXX, because it was over. From XXXX until XXXX multiple payments were made to Mr. Cooper by the Bankruptcy XXXX and payments currently show that theyre unapplied payments. This was informed to us by Mr. Coopers representative that Unapplied Payments are payments kept and held by Mr. Cooper, but are not applied nor reflect on the statement, until the rest of the balance is provided, which means current balance and amount owed in the account is incorrect. On or before XX/XX/XXXX, I received a Loan Modification rejection, due to missing information and documentation. I was informed by Mr. Coopers representative that the documentation used for this request was from XXXX, which doesnt apply to my current economic situation in XXXX. The above-mentioned documentation was a copy of my bankruptcy, provided by my legal representative. It included information from 7 years ago, and it was informative not a formal request for a Loan Modification since the property was part of the Bankruptcy at the time. In XX/XX/XXXX, I and my Daughter spoke to another Mr. Cooper representative to communicate my XXXX  illness, irregularities on my statement and irregularities on the Loan Modification process.In addition to the above, I speak XXXX and all the information provided to me has been in XXXX. I informed all of Mr. Coopers representatives of my lack of understanding of the language in advance in the calls. On or before XX/XX/XXXX, a new Mr. Cooper representative provided my daughter and I with the correct Loan Modification process, online access information and where find correct Loan Modification procedures within your website. The representative added notes in my account of all the irregularities found in the account, and we informed the representative of how inaccurate information and internal improper processes in my account with from Mr. Cooper, has provided me emotional hardship and distress as an elderly person. Due to all the clear internal operational issues and the mismanagement of my account, I requested a deep review and investigation of my loan and no answer has been provided. So far it has been very complicated to obtain proper answers from Mr. Cooper and their lack of transparency makes it harder. Their rejections of loan modification are vague. My statements are incorrect due to the above reason and the interest are also incorrect since Unapplied Payments have not been applied.
Consumer complaint received 2022-01-28
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: WELLS FARGO & COMPANY (FL)

Wells Fargo has stated that previous modification was approved and that I did not accept the modification? Wells Fargo 's " modification '' was not a bonified modification, but rather another attempt to trap me into retaining the same toxic loan terms that put me in trouble in the first place. Wells Fargo did not thoroughly and methodically review my financial health as was required by judgement to do so. Had Wells Fargo reviewed my case and others fairly XXXX XXXX, XXXX for Florida at the time, would not have had to formally complain about the unfair reviews when assessing pick-A-payment victims for their just deserved " Assistant Modification. '' Instead of helping me retain my home under new and affordable payment terms Wells Fargo offered the same toxic loan options as before and mandated that I pony-up a considerable about of upfront cash that I simply did not have.. Customers baited into Pick-A-Payment loans were offered loan relief solely based on Wells Fargo 's unfair and discriminating loan evaluations. I contest the evaluation performed on my financial state at the time and will except nothing less than a thorough re-review of my case.
Consumer complaint received 2020-01-09
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. (NY)

THE DISPUTED ACCOUNT HAS BEEN PREVIOUSLY REMOVED OFF MY CREDIT FILE DUE TO THE FACT THAT IT HAS BEEN REPORTING INACCURATE AND WITHOUT MY KNOWLEDGE. PLEASE HAVE THIS ACCOUNT COMPLETELY OFF MY CREDIT REPORT FOR IT HAS BEEN TARNISHING MY CREDIT FILE AND NAME. THIS ACCOUNT IS A DEROGATORY ITEM THAT NEEDS BE OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2022-01-28
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. (TN)

I am writing due to non-compliance with Equifax, XXXX, XXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past. They are in violation of the FCRA and are outright refusing to uphold the law. It has been more than 45 days without a response and I am requesting that the fraudulent items be removed from my reports. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.
Consumer complaint received 2022-11-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NC)

On XX/XX/XXXX I sent {$1000.00} from my business checking account using PayPal to XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX NC. The amount was to pay for a full-day rental at the studio to create a video for a client that had hired XXXX XXXX XXXX XXXX 

Moments after I sent the money I was informed that XXXX XXXX was either locked out of his PayPal account or simply did not have access to it. I am unclear exactly what he had meant by this. So, I decided to open a case on this transaction. I asked XXXX to create a document proving that he was refunding me so I can submit this to PayPal to help my case. I submitted the document to PayPal, yet they denied my case. 

I talked to XXXX XXXX about this, and I checked my PayPal account later to see that he had initiated a refund of {$1000.00} to me. 

I contacted PayPal support to see when I would receive the PayPal refund. I asked their assistant bot two times and both time they gave me a different answer. The first time on XX/XX/XXXX, they said I would receive it in 5-7 business days from the day of the refund which was XX/XX/XXXX. 

On XX/XX/XXXX I messaged the support bot again and they said I would receive it on or before XX/XX/XXXX due to the XXXX XXXX XXXX XXXX. 

Today, XX/XX/XXXX I check my PayPal to see that the refund has now been canceled. I don't know if XXXX XXXX canceled it or if PayPal did. I got on the phone with XXXX and told him what occurred and he told me he " never received the money and that it was probably in limbo somewhere ''. 

Today on XX/XX/XXXX I also tried to open another case for the original transaction and was unable to do so. 

XXXX XXXX said he is going to contact PayPal XX/XX/XXXX and try to get a resolution and my money back. XXXX and I will be meeting XX/XX/XXXX in person to try and come up with a resolution. 

Because of this situation I lost an opportunity that I would have made {$3000.00} from and I now have to refund a client {$1000.00} that I do not have.
Consumer complaint received 2020-01-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (NJ)

Myself and wife applied for a mortgage with Chase in XX/XX/2019 during which we were in the processing of securing a property. After a long search, our offer was accepted in XX/XX/2019 for the XXXX property. We secured Chase as our lender and deposited {$500.00} to lock our rate. The rate included lender credits on the points which we were really happy about. Unfortunatley, the closing fell apart during attorney review as the seller  's attorney was not cooperating in providing the condo documents which would be required for Chase. As such, we were aware that the {$500.00} would not be refundable. We continued to look for other properties and luckily we secured a 2nd property for which we returned to Chase to resume the mortgage process shortly after XXXX. We spoke with XXXX for which he advised that the {$500.00} deposit would be refunded and they will try to ensure that we would have a similar deal to what we previously had. XXXX promised a call that following Monday but he was unexpectedly out of office. We then spoke to a XXXX who ran our credit once again and gave us a rate which included points that we would pay. Myself and my wife asked that to not have points. Chase then went ahead and asked us to go to a competitor who can give us a better rate so that they can match it. I found this to be deceptive as i was promised by XXXX that they would do whatever they can to provide us what they originally did in the 1st property. After several emails my complaint was escalated to several individuals from an " escalation department ''. All of them resorted back to the fact that due to the policy i would not be refunded. In addition, they made claims that i even went thru an appraisal which i did not! Each representive i spoke to showed no lack of care and dismissed my reason to ask for the refund. Furthermore, they said that if they refunded me, they would have to refund everyone else. They said they did not care about me closing my accounts with Chase. I demand that someone from the Executive team reach out to me to personally apologies and give me a full refund of {$500.00} due to the deceptive pratices by the Chase Home Lending team.
Consumer complaint received 2019-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (MO)

XXXX  is reporting an old account on my report, via American Express, as a charge off. This is inaccurate. This account has been closed and settled for years. I am not liable for any debt, there is no amount unsettled. I demand American Express provide evidence that I have not settled this account or that I am in any way still liable for any amount of money on this account. If any negative remarks are not removed from my report, I will file suit under the Fair Credit Reporting Act with both American Express and XXXX. This is consumer harassment, and I will not stand for this kind of slander being stricken against me. I do not Owe American Express a dime, and they know it, and XXXX   should not be reporting this account as a Charge Off. It should be deleted entirely for this outrageous offense, but at minimum any negative remarks on it should be removed from my credit report
Consumer complaint received 2022-11-19
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: SYNCHRONY FINANCIAL (CA)

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. 
Account name : XXXX XXXX XXXX Acct XXXX, Account name : SYNCB/CARE CREDIT Acct # XXXX Account name : # XXXX XXXX Acct XXXX XXXX -, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2020-01-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (FL)

I got a collection account on my credit report from Capio Partners XXXX XXXX XXXX. 
I have never in my life received any XXXX  or XXXX   XXXX, this debt is not mine and is a total fraud! I saw online many complains from other people that have also been having the same issues with this company Capio Partners I  need your help and support getting this collection account out of my credit report, it doesnt belongs to me, they are doing a total fraud. 
They have never sent me any proofs, letters or nothing. I called them and they even have my wrong Last Name on file! Thats even more proof this debt is not mine.
Consumer complaint received 2022-11-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: BlockFi Inc ()

I am a user of BlockFi - an cryptocurrency exchange and lending service, where I have roughly {$370.00} of XXXX in my 'Wallet '. In BlockFi 's terms of service ( https : //blockfi.com/wallet-terms ) it states : XXXX ) The title to the cryptocurrency held in your BlockFi Wallet shall at all times remain with you and shall not transfer to BlockFi. 

XXXX ) Except as required by a valid court order or applicable law, BlockFi shall not sell, transfer, loan, hypothecate or otherwise alienate cryptocurrency held in your BlockFi Wallet unless specifically instructed by you. 

Recently BlockFi have been financially impacted by the collapse of XXXX ( another cryptocurrency exchange ), and have made the following announcement : " Until there is further clarity, we are limiting platform activity, including pausing client withdrawals as allowed under our Terms. We will share more specifics as soon as possible. We request that clients not deposit to BlockFi Wallet or Interest Accounts at this time. '' I have a withdrawal transaction in a 'Pending " state, that I created on XX/XX/XXXX at XXXX XXXX, which I initiated a number of hours before receiving this announcement in an email from BlockFi. 

BlockFi have been silent for the past week, and there have been news articles circulating that suggest that BlockFi is likely to declare bankrupcy in the coming days/weeks. I would argue that BlockFi are in violation of their terms of service by preventing me from withdrawing my asset, and I'm worried that my asset will become completely inaccessible to me if BlockFi were to declare bankruptcy.