davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MD)

Hi cfpb team! 

My name is XXXX XXXX, and I am an international student here who is currently living in XXXX XXXXXXXX. I recently fell victim to a scam perpetrated by a XXXXXXXX XXXX, resident, XXXX XXXX. He took {$1500.00} from me in his XXXX XXXX XXXX XXXX account, XXXX. Scammer 's name is XXXX XXXX. I want to launch a complaint against Chase Bank and XXXX. I complained several times to Chase Bank officials and their online fraud department, but they were unable to get me a refund of my scammed amount, nor did they take any action against that scammer. I have been a customer of Chase Bank for several years, but their fraud department has shown no respect or protection for their customer 's hard-earned money. Please help me out to register a complaint against this bank, Chase. I've also brought this up with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and lodged a complaint with them as well, but they never responded to my complaint. Please, please, please help me. I am an international student from XXXX. I can not bear this huge amount of loss. Please help me get my amount back from XXXX XXXX ( a scammer ) or Chase Bank. I've got all his information, including my sent amount proof, his address, his phone number, etc. Ive attached a couple of screenshots of the scam and my XXXX XXXX as well for your reference. I can also provide you with a chase outcome document after I complain to them. Please let me know if you need anything else from my side.
Consumer complaint received 2016-02-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: AFNI INC. (CA)

In 2008, I opened an account with XXXX with some roommates. After I moved out, I made the mistake of keeping the XXXX contract / service under my name. When my roommates moved out, they never returened the equiptment so XXXX XXXX charged me XXXX for the returned equipment that was never returned. I was unaware of this and now I am receivign a collection notice from a debt collection company called Afni , Inc . Address of XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, IL XXXX. This debt is over seven years old. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 ( " FCRA '' ), my outstanding debt should have been removed from my credit report. My questions are, why has n't my outstanding debt been removed from my report and why is this collection agency continue to harass me?
Consumer complaint received 2022-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

CFPB + TransUnion + The XXXX XXXX XXXX, Attached to this complaint are : drivers license social security card address complaint letter stating this collection has not been validated to be mine screen shots of where it shows on TransUnion Please look into this new complaint as soon as possible
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIZENS FINANCIAL GROUP, INC. (GA)

CITIZENS ONE fraudulently used my nonpublic personal financial information by disclosing said private information information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). CITIZENS ONE is depriving my of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2024-03-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BMO Bank, N.A. (TN)

On three occasions my husband and I were not able to login to our online hysa with BMO Alto. 

Our usernames and passwords were correct but we were caught in endless loops : First screen : enter un and pw > Next screen : verify ID by sending randomized pin to phone number listed ( only part of the time was the phone number one we recognized ) > Next screen : back to login after ID confirmed but still no access to account. 

After multiple verifications in email, text, and on the phone with social security numbers we were unable to access our account. No amount of password resets, pins, personal information or verifications allowed us to access our account. 

The results were slightly different on different devices and finally ONE out of 5 devices allowed us to login with all the same info that we had been providing on all of the devices. We took the opportunity to withdraw all of our money and we will close the account once the withdrawal is complete. 

Customer service was unhelpful and rude. Repeatedly blaming us for using incorrect information when we know it was not and it was proven out by finally working ONE time for us. Terrible customer service interactions combined with a terrible online interface that nearly kept us from ever being able to withdraw out funds is why we are filing this complaint.
Consumer complaint received 2016-09-26
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Avadyne Health Holdings, Inc (OK)

I made an agreement with XXXX XXXX XXXX XXXX to pay {$40.00} per month until my bill is paid in full. All payments have been made on time. Also, all my statements state, " By remitting your monthly payment in the amount of {$40.00} by " due date '', which is the XXXX of each month, this will avoid any future collection efforts. I recently received a bill from H & R Accounts stating the remaining amount I owed XXXX was due in full to avoid all collection activity and/or negative report to the credit bureau. I spoke with XXXX at XXXX billing department and was told my account was in good standing and that H & R Accounts had been hired to do " billing '' for XXXX and made an error by sending me a collection notice. I was told I may still make my {$40.00} per month payment to XXXX. I believe that H & R Accounts is knowingly sending these " collection '' statements as a scare tactic to get payment is full, instead of honoring the payment plan agreement made by XXXX. I contacted H & R Accounts and spoke to XXXX XXXX and told him to stop sending collection notices and that I will continue to make my payments to XXXX each month and that this " shakedown '' as I see it, is illegal. Please check into this, as I believe there are people receiving these notices that do n't understand they have rights. Thank You.
Consumer complaint received 2021-10-06
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: ALLY FINANCIAL INC. (MA)

I see repetitive 30 -60 days late marks which is a clear violation of my rights under the FCRA. I was never late on this account. What's the method used to verify this account? Please send me the documents that prove I was ever late.! Also, the date last active is inaccurate. All 3 dates should be the same.
Consumer complaint received 2017-02-15
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY (NY)

I was banking with TD bank and there was fraud done to my bank account. Someone deposited into and then withdrew from my account. Upon their investigation they verified it was not me who did the transaction. It was not me who made extra fraudulent charges. I had never made transactions similar. The signature was not mine. I was in a completely different XXXX when the incident took place. They promised me they would redirect my payroll check into another account for me also. They then decided that since the person knew my pin number that i was liable and they took my check and made me responsible for the transactions. That is totally unfair to me. I was not responsible and they had no proof or a reason to hold me accountable. There are several ways scammers can access another persons pin number. i had been a loyal customer and a upstanding citizen then and until this very day. now i cant get a bank account, they took hard earned money from me and they ruined my name and reputation to other lenders.
Consumer complaint received 2015-03-28
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: EOS Holdings, Inc. (CA)

The California Service Bureau contacted me XXXX XXXX, 2015 to advise me of an alleged unpaid bill for {$34.00} ( Creditor " XXXX XXXX XXXX XXXX Region '' ). I responded to their XXXX XXXX, 2015 inquiry immediately asking what the charge was for, and who authorized them to attempt the collection. I called CSB and got them to provide contact information and proof of authorization. I 've now received a XXXX letter from CSB, notifying me that I have been charged interest ( {$1.00} ), I contacted the healthcare provider 's office and was given contact information for their Billing Office. The doctor 's billing office was unable to find any unpaid or past due bills relative to my name or account. CSB has not responded to my request that they provide specific information to me concerning the path of this questionable charge. To date, they have not supplied me any proof of this bill, or any proof of their legal assignment to collect alleged monies from me on behalf of their medical client.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (TX)

My Discover Card was stolen in XXXX and part of XXXX 's report. Discover refused to acknowledge card was stolen. Currently the Credit Report reflects Discover Card account as term Current / Terms Met or ND ( No data for this period ) for XXXX and XXXX. This is incorrect. I assume this is a game by Discover to keep on my credit report.
Consumer complaint received 2024-03-10
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (VA)

I received an Amex XXXX, I verified the balance on balance.amexXXXX and it shows a balance of XXXX USD. I attempted to use the card on XXXX but the transaction was declined. Many people have reported having this problem starting this past year.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: 1st Franklin Financial Corporation (GA)

Complaint Against 1st Franklin for Failure to Respond to Debt Validation Letter. 

Dear Sir/Madam, I am writing to file a formal complaint against 1st Franklin for their failure to respond to my debt validation letter dated XX/XX/2024. Despite my explicit request for verification of the debt, 1st Franklin has neglected to provide the necessary documentation within the legally mandated timeframe.

As outlined in my original correspondence, I provided 1st Franklin with ample opportunity to furnish the supporting documents and probable evidence regarding the alleged debt referenced by account number XXXX. However, despite the passage of more than 30 days from the date of my initial letter, 1st Franklin has failed to comply with federal laws governing debt validation.

Their willful negligence in addressing my concerns not only violates my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practice Act but also exacerbates the financial distress and emotional burden I have endured due to this unresolved matter. 
I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to ensure that 1st Franklin fulfills its obligations under the law. Additionally, I request that the Bureau notify me of any updates or resolutions regarding this complaint.

Please find enclosed a copy of my original debt validation letter sent to 1st Franklin for your reference. 

Thank you for your attention to this matter.
Consumer complaint received 2024-03-10
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (FL)

On XX/XX/XXXX I sent credit reporting agencies and collections companies Identity Theft Report, informing that I am a victim of identity theft and the alleged accounts. This is not misrepresentation I am victim of Identity theft. I further explained this is not a mistake or sent in error. The items found without my credit report I listed are not related to any transactions that I made. I am alleging that a person or company- without my authorization or consent - used my personal identifying information to apply for good, services, or money, and, was successful in creating some accounts. I instructed that I would like to have those accounts blocked and removed expeditiously. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Explained the alleged debt is not mines and if they do please provided a prompt reponse or proof under penalty of perjury you were present during the opening of these debts. I have not received reponse yet. So I am demanding these account be removed.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Global Lending Services LLC (NY)

I have recently discovered that my social security number has been compromised, and I am taking immediate action to resolve the issue and prevent any fraudulent accounts from being created in my name. I have placed a notice on my credit report, instructing not to open any accounts without first contacting my personal number to verify my identity. I did not authorize them to perform hard inquiries on my credit report. GLOBAL LENDING SERVICES on XX/XX/202XXXX XXXX
Consumer complaint received 2024-03-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (NC)

I am unaware of this debt, I did not have the opportunity to dispute this debt, I did not receive proper notification, if in fact you believe I received proper notification please provide receipt please provide certified mail with the receipt stating that I received it with my signature. 
Look on my credit report for the last day of activity and date reported, they are violating my rights I have attached a copy of how it is reporting to all 3 bureaus and it is not accurate across all 3 bureaus and the statute of limitations in 3 years in my state, they don't have rights to collect any debt
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. (GA)

Equifax is reporting a creditor named XXXX XXXX with an account number of XXXXXXXX XXXX XXXX  on my Equifax credit report. I have disputed this account several times with Equifax over an incorrect balance amount of {$360.00}, which I paid off on XX/XX/2023, and now it is XXXX. However, Equifax has repeatedly shown bias towards a certain race group by filing several misconstrued dispute statements to XXXX XXXX, stating that I am disputing the ownership of this account when I'm disputing the incorrect balance showing on my credit report. I have enclosed a copy of the receipt I received from XXXX XXXX on XX/XX/2023, for this account, which shows a XXXX balance. Despite mailing Equifax a copy of the receipt, they continue to report an incorrect balance of {$360.00}. I have disputed this account with Equifax six times, and they have refused to change the incorrect balance reporting on my credit report to XXXX.
Consumer complaint received 2024-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERIS BANCORP (FL)

I had opened my Ameris checking account back on XX/XX/XXXXXXXX  under the {$300.00} checking account bonus. The requirements for the bonus were a minimum of {$1500.00} in direct deposit within XXXX  days and signing up for online statements. I had fulfilled both requirements with a direct deposit from my job on XX/XX/XXXXXXXX  of {$2100.00} and signed up for estatements on XX/XX/XXXX. The terms and conditions state the bonus would post within XXXX  days of the XXXX  day requirement period. That would be by XX/XX/XXXX the latest. The terms and conditions stated Customers who have paid an Ameris Bank promotional payment in the past XXXX  months are not eligible. I have not received any promotional payments from Ameris within the past XXXX  months. On XX/XX/XXXX I called and spoke to representatives that stated that I had fulfilled the requirements and that a supervisor would call me to go over the details about the bonus posting. The supervisor called and stated that I was not eligible for the bonus even though I meet the requirements of the terms and conditions for the bonus.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

This account # XXXX, account type-credit card, date opened XXXX status- closed XX/XX/XXXX status-closed, {$430.00} written off.status updated XX/XX/XXXX balance {$0.00}, Balance updated XXXX-recent payment-monthly payment {$0.00} credit limit- {$300.00}, highest limit- {$430.00} ... this account only appears on the Experian credit burea, it is not and never was reported to XXXX or Experian.if they still choose to say it belongs to me I demand evidence as in paperwork sent to my address because it's not my debt.
Consumer complaint received 2022-08-14
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. (FL)

I am a real person and I would like to dispute incorrect information on my credit report. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX  Account # XXXX, XXXXXXXX XXXX XXXX Account XXXX XXXX, XXXXXXXX XXXX  XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I have written the Bureaus asking them several times how they came to determine these accounts were correct. All of them continue to stall and never explains how they verify the accounts on my credit report. I have ask them because the accounts shows errors and different dates, still not details on how the accounts are correct.
Consumer complaint received 2024-03-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (TX)

I am writing to request validation of a debt that your agency is attempting to collect from me. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( a ), 15 U.S.C. 1692g, I am entitled to receive verification of the debt you claim I owe.

Please provide the following information regarding the alleged debt : 1. The original creditor 's name and contact information.

2. The amount of the debt owed.

3. The date the debt was incurred or the date of the last payment.

4. Purchase agreement showing that you own the debt.

I also request that you provide proof of your authority to collect this debt and that you cease all collection activities until the debt has been validated.

Please note that failure to provide validation of the debt within XXXX  days of receiving this letter will result in my presumption that the debt is not valid, and I will take appropriate legal action to protect my rights under the FDCPA.

Thank you for your prompt attention to this matter. Please send all correspondence regarding this debt to the address listed above. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (MD)

I pay my mortgage to Nationstar dba Mr. Cooper monthly by requesting my bank, XXXX, to make payment. I did this on time at the end of XXXX ( according to my XXXX statement : {$2300.00} paid XX/XX/XXXX through an online payment to Nationstar Mortg XXXX ). However, we realized that Mr. Cooper had not credited this payment and has been levying monthly late payment fees in the amount of {$69.00} each month a few weeks ago. 

I called Mr. Cooper on XX/XX/XXXX, and was directed to have my bank send proof of payment to Mr. Cooper 's Research Department by fax. I called XXXX immediately the same day, and was on the line while XXXX faxed this information. I called Mr. Cooper on XX/XX/XXXX and was told the payment was not credited, but that it takes two days to process. I called Mr. Cooper again on XX/XX/XXXX ; the representative I spoke with still could not verify that the payment was credited ( or the fax had been received ) and also stated that it can take " 20 to 30 days to process. '' She then forwarded me to another number that did not have an answering service or anyone answering ( the phone rang indefinitely, so I had to hang up ). 

Today, XX/XX/XXXX, we received a phone call from a debt collector.
Consumer complaint received 2021-09-02
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. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 6. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft )