davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

on XX/XX/2023. My XXXX received a call from supposable the fraud department at chase. They seemed to have all his info down to debit card #. There were wire transfers made from my business account in the amount of {$21000.00} and {$31000.00}. I have never once in my life have done a wire transfer before. While I was at the bank another attempt from my personal savings account of the amount of XXXX was made. I was able to stop that one, because I was at the bank. What I don't understand is how Chase Bank allowed so many transfers to go through. When I try to pay for things myself I always get blocked get an text and email to confirm my charges. When I talked to the claims department they told me I would receive a packet to fill out by mail only. To this day I haven't received the packet and I asked them if they can email it to me and they said no, it has to be by mail. I received a phone call from the claims department with a denial. A banker at Chase put in a request with the Escalation Department and they called me with the denial also. I feel abandoned by this bank with no communication, I feel they should have sent an email or text with a fraud alert to get my approval like they do with everything else. I am very, very disappointed.
Consumer complaint received 2022-01-14
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX SS # XXXX Telephone- XXXX Date- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IDAHO Account number XXXX XXXX 15 U.S. Code 1605 - Determination of finance charge a ) Finance charge definedExcept as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( XXXX ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges. ( XXXX ) Service or carrying charge. ( XXXX ) Loan fee, finders fee, or similar charge. ( XXXX ) Fee for an investigation or credit report. ( XXXX ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss. ( XXXX ) Borrower-paid mortgage broker fees, including fees paid directly to the broker or the lender ( for delivery to the broker ) whether such fees are paid in cash or financed. 

15 U.S. Code 1666b. Timing of payments b ) Grace periodIf an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge XX/XX/XXXX Account number : XXXX To Whom It May Concern, Kind regards, XXXX XXXX
Consumer complaint received 2023-05-10
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: Experian Information Solutions Inc. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-01-18
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. (TX)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-01-18
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: Experian Information Solutions Inc. (FL)

I filed a dispute with Experian credit reporting agency on XX/XX/2021 about a bankruptcy showing on my credit report unknown to me. On their website it states that they get their bankruptcy information from XXXX credit reporting agency. I contacted XXXX and ask them to send me a copy of my report that they had on me. I received the report showing no bankruptcy on my report and sent it to Experian credit reporting agency. On XX/XX/2021 I received a response from Experian stating that The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. I don't think they contacted XXXX because if they did XXXX would have reported to them that they don't have a bankruptcy showing on my report. I have attached the XXXX report to this case.
Consumer complaint received 2022-01-15
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. (VA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

I am writing to formally dispute an unauthorized inquiry that has appeared on my Equifax credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681n and 15 U.S. Code 1681 ( Section 602 ), I am entitled to protection against any unauthorized use of my personal information, including inquiries into my credit report without my explicit permission. 

The following inquiry was made without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize this inquiry, and I have not applied for any credit with this entity. Therefore, it is a violation of my rights under the FCRA. I demand that this inquiry be removed from my credit report immediately.
Consumer complaint received 2022-01-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (GA)

On XX/XX/XXXX I placed an online order for an arcade machine that cost XXXX total. As of XX/XX/XXXX, I had not received my purchase. So, I contacted Brandsmart, in XXXX GA and they informed the item was not in stock and the order should have been cancelled XX/XX/XXXX and voided and refunded. I did confirm it was cancelled and voided but it was not refunded per my call on XX/XX/XXXX, and is now on my credit report as if I owe Brandsmart  XXXX plus a late fee. This is causing me undue stress because I'm trying to refinance my house and this fault information is now on my credit report. I do my best to pay my bills on time every time. Additional details below. 



XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  {$390.00} Order Date : XX/XX/XXXX Order Number : XXXX Order Total : {$470.00}
Consumer complaint received 2022-01-14
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)

On XX/XX/XXXX I applied for a secured credit card through XXXX XXXX. After my application, I discovered my twin brother 's credit file is showing on my credit report. I contacted Transunion on XX/XX/XXXX and they explained I would need to mail in information to verify my identity, however they did not specify all the documents I would actually need. I mailed the information on XX/XX/XXXX. I never received any confirmation so I called Transunion again on XX/XX/XXXX and they assured me it would be fixed in five to ten business days. I reapplied for the secured cc and discovered my credit file had still not been corrected. Today on XX/XX/XXXX my banker and I called Transunion after being transferred multiple times and hung up on just to find out there were no notes or updates on my credit file. I would have to resend the documents and call again for an update in five to seven business days. I also tried to contact XXXX and XXXX on XX/XX/XXXX. XXXX did not allow me to speak with a representative due to the call volume being too high and advised me to call back later. I tried to dispute my credit file online with XXXX online and by calling on XX/XX/XXXX but was not given the option to actually correct my credit file. I have been told this is a common error but not my error, to begin with. I just want to fix my credit file so I can start building my credit. This has been a major inconvenience and I have not been helped in any compacity by any of these credit bureaus. I am starting to feel defeated and possibly am being discriminated against by me being a young XXXX American man.
Consumer complaint received 2022-01-15
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. (PA)

Experian is reporting inaccurate info on my credit profile and without consent. As a consumer that is federally protected I am instructing for these remarks to be fixed. There are late payments that need to be updated as well as personal info and inquiries. I have already submitted a dispute personal info and for the following accounts. this is a second attempt ALLEGED XXXX XXXX XXXX and ALLEGED ACCOUNT # 1 XXXX XXXX XXXX  - XXXX 2021. ACCT XXXX ALLEGED XXXX XXXX XXXX and ALLEGED ACCOUNT # 2 XXXX XXXX XXXX XXXX 2021 XXXX ALLEGED XXXX XXXX XXXX and ALLEGED ACCOUNT # 3 XXXX XXXX XXXX  XXXX 21 XXXX 
ACCT XXXX NOTE LOAN
Consumer complaint received 2022-01-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (WI)

This is now the 2nd complaint for the same problem I've had and filed through here. The last time the company just told this bureau they fixed the problem and they did not. That case was XXXX. It's now been 3 months since my mortgage account at Mr. Cooper has been messed up. I continually try to make payments and keep getting told the are doing a loan modifications and will receive paperwork shortly via XXXX. The last time this happened was over the phone on XXXX XXXX at XXXX central time. I still have not received this loan modification they have told me they were sending. They continue to call and send out texts to me saying they are a debt collector which has now just become harassment. This problem has also taken its toll on my XXXX XXXX as my score has dropped XXXX points and they are reporting serious delinquency to the credit bureau.
Consumer complaint received 2022-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting Act XXXX  Account, XXXX, NA # 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 an account without my written instructions.
Consumer complaint received 2022-01-14
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Security Credit Services, LLC (CT)

On XX/XX/2022, starting at XXXX, I received multiple calls on my cellphone in CT from XXXX XXXX XXXX XXXX office in Georgia XXXX They are threatening to sue me on behalf of Security Credit Services. First they called me from XXXX and then multiple calls back to back from an unknown number. They were very aggressive and rude, stating they are going to keep on calling. During this same time within half an hour they even called my mother 's home phone in Maryland. 
I have disputed this debt and it was taken off of my credit report on a few of the credit reporting agencies, yet I'm still being harassed. The most upsetting part is that my mother is over XXXX XXXX XXXX and should have never been harassed being that she has never been used as a reference. They claim not to have my mailing address, which I instructed that I only do business in writing, yet they can track down my mother 's home phone number in another state that I don't even know by heart.
Consumer complaint received 2022-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I disputed the account XXXX XXXX with Transunion on XX/XX/2021. I have not received any investigation results from Transunion in regards to this account. Transunion has violated my consumer rights. Transunion has violated 1681i ( a ) ( 1 ) ( A ) and 1681i ( 6 ) ( A ) of the FCRA.
Consumer complaint received 2022-08-01
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. (PA)

I am XXXX XXXX who is submitting this CFPB complaint, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts witherroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response fromthem until this date. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$99.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX : {$0.00}
Consumer complaint received 2021-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MT)

XX/XX/2021 - XX/XX/2021 several charges were made on our credit card. The total amount was {$5.00} ; XXXX. These charges were made in XXXX XXXX. According to Bank of America, these purchases were made on site - chip was read, PIN was entered or we signed for the merchandise. We havent been to XXXX XXXX & both our cards were in our possession when the fraud occurred. We destroyed them after reporting the fraudulent activity. 
I notified B of A when I saw our statement. They investigated & determined that the charges were legitimate. I disputed that finding. They reevaluated & still came to the conclusion that these were legitimate charges. I am submitting a reconsideration request, w/ some documentation that we were in the US when the charges occurred. 
I would appreciate any assistance you can provide.
Consumer complaint received 2022-08-01
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. (PA)

I am XXXX XXXX who is submitting this CFPB complaint, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts witherroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response fromthem until this date. 
XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$99.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX : {$0.00}
Consumer complaint received 2021-12-25
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. (PA)

I started a contract with XXXX ( XXXX ) around XX/XX/XXXX. I didn't believe the service was effective so I called the following month to cancel it. I was informed that only the manager of the local branch could cancel it. I tried to get in contact with the manager at the closest branch ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ) but kept being told that he was unavailable. I left several messages and attempted to contact them several times before finally reaching him in XXXX. He came out to my house for me to explain why I was dissatisfied with the service and verbally agreed to cancel it along with anything that may be outstanding. When he got back to his office, he sent me an email on XX/XX/XXXX stating : " Just to confirm, I have cancelled both the pest control and exclusion agreements as we discussed. Also the remaining balance of the monthly payment plan is in the process of being cancelled. Please disregard any statements you have received and save this email for your records. '' That was 3 years ago and on my 3 credit reports with XXXX, XXXX XXXX Experian it shows 1 or 2 late payments between XX/XX/XXXX & XX/XX/XXXX. I filed a dispute with all XXXX of the credit bureaus and sent a copy of the email from the local branch manager, and still it remains on all of my reports. I asked the bureau why, they said that the furnisher of the financing ( XXXX ) said that the information on my report was accurate. Clearly it's not.
Consumer complaint received 2021-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Due to a financial difficulty in late XXXX, I entered into a monthly payment agreement with XXXX XXXX for 8 months. XXXX XXXX agreed to allow me to pay a lower monthly amount for 8 months to help alleviate the financial difficulty. I paid every month automatically on time, and then proceeded to pay off the entire balance of my card in XXXX of XXXX. 

I made on time payments from XX/XX/XXXX to XX/XX/XXXX. Instead, XXXX XXXX recorded this period as late payments on my account, even though I was paying the minimum amount XXXX and myself agreed to. This is inaccurately reported on my XXXX, TransUnion, and XXXX credit scores. I have disputed this item several times, and XXXX XXXX does not even have their own records of my payment history. When I call them, they can't even find the account, and it's closed. If they have no record, this should be removed from all credit reports immediately, as it has caused enormous prolonged financial inequity to me and my family, with an unreasonable interest on our home mortgage.
Consumer complaint received 2022-02-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Medical Society Business Services, Inc. (AZ)

On XX/XX/2022 I was notified by the XXXX XXXX XXXX and Identity Theft Department that Bureau of Medical Economics had filed a negative collection report against me with XXXX. I contacted and completed the XXXX fraud and identity theft documentation followed by emailing through this company 's website that they were falsely making judgment and negative claims against me. I went on to explain that this was an accident injury case that was in litigation and that all medical providers agreed to a medial lien in pursuit of my sons compensation from the insurance company of the defendant. Furthermore, our law firm contacted XXXX and told them they had 24 hours to remove the negative claim against their client or we would file a suit against their company. The attorney went on to explain that it is unlawful to begin with to file a negative claim as a third party citing the Consumer Fair Act and that once again, unless they remove this immediately they would be at risk for a lawsuit.
Consumer complaint received 2021-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (TN)

XXXX and XX/XX/2020 when the pandemic first hit I was diagnosed with the XXXX XXXX and I moved with my sister because I was sick and due to me being Ill I wasnt thinking about any bills I was trying to keep from dying. My sister paid my bills not knowing the amounts because I moved and we didnt have a bill to even pay. I asked due to me never being late beside those 2 months I asked for Macys to remove the 2 late fees because I had XXXX and I never received a bill. Ive never missed any payments and I pay all my bills on time and never been late with Macys. Im in the process of trying to purchase a home  and Im requesting that the 2 late fees be removed due to me being sick during a pandemic
Consumer complaint received 2022-12-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ROBINHOOD MARKETS INC. (AZ)

Robinhood cash card account customer service and disputes team neglect my need for help when filing a dispute they have not listed all charges and when they do file a dispute they dont help me at all they deny my claims for unauthorized transactions every time they send a new card then deem the transaction valid when its not valid Ive asked and called them multiple times to solve this issue. Most recently I filed disputes on XX/XX/2022 and they deemed the transactions valid then I cant list all transactions because they wont allow me I have not had access to my account someone was using my card my phone was stolen and they never help