davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (OH)

Worked with an online seller ( through XXXX ) to purchase a workout bike. 

Because of the weight of the bike ( over the XXXX limit allowed by XXXX  ), the seller requested that we compete the transaction away from XXXX and use XXXX XXXX. After signing a bill of sale form ( that I requested ), the seller and I agreed to move forward. 

On XX/XX/XXXX, The seller stated that he would go to XXXX the following day and get the item shipped to me, which I would then agree to send payment. 

Seller sends me a picture of the XXXX shipping receipt complete with the name of the bike, its dimensions and my home address ( time stamped with the day/time he responded ). He had blurred out the tracking number and stated he would feel more comfortable to provide it after I had paid. 

I requested to use a secure form of payment to send the funds. He requested XXXX, which I had use plenty of times and was attached to my Chase account ( so I assumed it was even more secure than XXXX or XXXX ). 

The XXXX payment went through and I didnt hear back from the seller. On XX/XX/XXXX and several hours into the day, I became nervous and called the XXXX XXXX in XXXX that the seller used. They had no record of the item and the name of the cashier on the receipt didnt even work there. I knew I had been scammed.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Hello. My address is XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, however, the credit reporting agencies have listed this address on my report. I would like this erroneous address to be removed from my report as soon as possible. Thank you
Consumer complaint received 2021-04-04
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: I.C. System, Inc. (FL)

I sent a dispute to the credit bureaus about a collection ( I.C. SYSTEM, INC ) and have not received a response back or any results
Consumer complaint received 2020-11-20
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ)

We are filing a complaint against Rushmore Loan Management Services. We are in a forbearance due to a natural disaster until XX/XX/XXXX, that has been confirmed. Even though we pay our monthly escrow payments as agreed on time, and never missed a payment, they keep reporting us to the Credit agencies as being over 180 days past due since XX/XX/XXXX. This has caused our credit score to dramatically drop over 130 points each. Although we continue to call the Loss Mitigation dept weekly and leave constant messages with our Point of Contact Reps, we do not receive any call backs from them. We have gotten through to other reps in that dept occasionally that can see the remarks in their system and confirm we are in a forbearance which we have a certificate and letter confirming as well, and they say that we should not be getting reported and insist it will be corrected and they will forward our information to a manager for prompter assistance, but so far nothing has been rectified or addressed. They even recommended back in XXXX that we write a dispute letter, and provide copies of each of our credit reports showing the inaccuracies by at least one of the Credit agencies proving our claims and fax to dispute department, which we did do on XX/XX/XXXX. They sent us a letter on XX/XX/XXXX saying they were taking the derogatory marks off for XXXX and XX/XX/XXXX only and it will take 30 - 45 days, however our reports as of today XX/XX/XXXX, are still showing delinquent and past due 180 days for XXXX, XXXX, XXXX, and XXXX and our scores are still down over 130 points. Also, we get at least 2 calls a day from Rushmore 's automated system claiming we are past due on our account, and we have received letters on our front door every several weeks to call them about our " past due '' account. We continue to call and continue to leave messages with the Reps and still this has not been rectified and we are beyond frustrated now. We have also contacted the Credit agencies ( XXXX XXXX, XXXX, and XXXX  ) and disputed the derogatory marks as well, but they responded to us that they are being told by Rushmore Loan Services that we are still past due on our account over 180 days, which is incorrect and very frustrating for us. We are at a loss as how to get this corrected and need assistance asap so we can get our credit scores back up over the 130 points that has dropped because of these inaccuracies reported to the Credit Agencies. Any help would be extremely appreciated.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (GA)

On XX/XX/2022, I received a mobile notification that an account had been reported as delinquent due to 30 days past due payment by Affirm. I contacted the customer service number and he stated that he did not show where my account was 30 days past due but that they have no control over reporting. He also stated that they TRY to report accurately. I informed him I am not and have never been 30 days past due on this account. He refused to correct or escalate this egregious error made on my credit report which has drastically damaged my credit portfolio in the eyes of other lenders. 

It is the legal duty of Affirm and XXXX to report 100 % ACCURATELY on my credit report. Affirm has reported false information to XXXX and instead of XXXX doing a thorough and proper investigation they have further irresponsibly reported FALSE and inaccurate information on my report.
Consumer complaint received 2020-11-20
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (NC)

I made a charge of {$840.00} on XX/XX/XXXX on a promotional plan of deferred interest if paid in full in one year. 

In XXXX of XXXX I had a bill w/ a minimum payment of {$29.00} and a promotional balance ( on the charge noted above ) of {$280.00}. 

I made a payment of {$280.00} to pay off the promotional amount ( which {$280.00} is greater than {$29.00} ) which was cashed on XX/XX/XXXX. 

In my XXXX bill they charged me {$160.00} in finance charges related to the purchase on XX/XX/XXXX - they said that for me to have not been charged the finance charges I need to pay the promotional balance of {$280.00} + {$29.00} ( the minimum payment ). 

Nowhere on the bill did it state that I needed to pay this amount and it is ridiculous that they are charging me finance charges when I paid they amount that was due on promotion and that amount is greater than the {$29.00} due.
Consumer complaint received 2023-01-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (AL)

I have sent this company a XXXX XXXX XXXX letter using certified mail, return receipt and I have the receipt back showing they indeed got it. They continue to send collection letter but I do not owe them anything. After I accused them of misrepresentation of who they were they then admitted that they " bought '' this " debt '' from another company. I have no contract /agreement with this company and I have asked that they XXXX XXXX XXXX contacting me by USPS mail or any other ways.
Consumer complaint received 2021-12-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Payfare International Inc. (IL)

I originally used my virtual card provided by XXXX XXXX  for XXXX XXXX XXXX XXXX to purchase what was supposed to be one item for XXXX. The company charged me an additional XXXX dollars for an item I did not authorize nor approve. I tried reaching out to the merchant several times just to be forced to deal with spam bots and robo dial systems that do not allow you to reach an operator. I also email the company and used their internal contact us form. XXXX XXXX claimed that they were not going to process the refund nor a dispute because I authorized the first transaction for the XXXX even though the other XXXX dollar transaction was a fraudulent unauthorized transaction I immediately tried to flag and also contact the merchant for. XXXX XXXX refuses to process a dispute or refund for the charges. I have already contacted the merchant and still have not received any product from their company nor official response. The number provided for the company is a robo system that hangs up on you no matter what time you call and it says you have reached them outside of business hours.
Consumer complaint received 2021-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I NEVER APPLIED FOR ANY LINES OF CREDIT WITH ANY OF THESE COMPANIES. I HAVE ADVISED THE CREDIT REPORTING AGENCIES OF THIS AND THEY STILL HAVE NOT REMOVED THESE INQUIRIES.. 
THIS IS AFFECTING MY CREDIT WORTHINESS AND HAS CAUSED MUCH STRESS TO CORRECT THIS! 
I HAVE REQUESTED PROOF OF THIS NUMEROUS TIMES TO NO AVAIL.
Consumer complaint received 2022-06-13
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. (GA)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
2. Validate Account XXXX Account Number : XXXX Please remove it from my credit report 3.Validate Account XXXX  Account Number : XXXX Please remove it from my credit report. 
4. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
5. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
7 Validate Account NCA Account XXXX : XXXX Please remove it from my credit report. 
8.Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
9. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report XXXX10. Validate Account XXXX Account Number : XXXX Please remove it from my credit report 11.Validate Account XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2021-12-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX, at XXXX XXXX received a phone call with caller ID " Wells Fargo. '' The call was to verify an ATM {$300.00} withdraw transaction that happened in XXXX, TX. What was supposed to be a Wells Fargo fraud prevention agent, claimed to have cancelled my debit card and mailed me a new one. He also tried to " verify '' my card number and the three digits on the back of my card. He then sent a pin to my phone so he could have accessed to handle everything. He then said he changed my password and I need to reset it. I went by my day and two hours later I get a notification from my bank that I've reach my total withdraw limit from bank account. 
At this time I had not yet created a new password, I manage to login to see that two transfers were made from my checking # 2 to my main checking account, one for {$5000.00} and {$1000.00}. My main checking account had a total of 11 transactions made from atms and XXXX  around XXXX, TX that accounted for a total {$5600.00}. I live in XXXX, TX, and have not been in XXXX in lover 10 years. 
I filed a fraud claim with my bank and their final decision was to deny my claim due to what they think " insufficient evidence. '' Since I had my physical card with me, they claim that those transactions were made by when they weren't. The whole day I was trying to get rest for my 12 hour night shift while this was happening. I did not authorized any of these transaction and my bank refused to refund my total amount of money.
Consumer complaint received 2022-12-15
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: EQUIFAX, INC. (AL)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax, and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX XXXX XXXX : {$19000.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$5500.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$240000.00}
Consumer complaint received 2021-10-03
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)

Dear Equifax, I hope you are doing fine when you are reading this letter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Re : Notice of Intent to sue for falling to remove innacurate information after received Identity Theft Report. 

Creditor : XXXX XXXX XXXX XXXX Account # XXXX Dear Sir/Madam I am a victim of identity theft. Please see the attached documents relating to this case and completed identity theft affidavit. Also please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ), 615 ( f ) and the 623 ( a ) ( 6 ) of the Fair Credit Reporting Act which states that this information must be removed within four business days of receipt.

THIS LETTER servesas the formal notice of my intent to file a lawsuit against you in court, due to your failure of correcting/deleting the account above.

You are inaccurately and incompletely furnishing information regarding the above-referenced account to the Credit Reporting Agencies in violation of the reporting requirements of the FCRA, Section 623, Responsibilities of Furnishers of Information , and for which you are responsible.

PLEASE TAKE THIS NOTICE that this letter constitutes notice under the California Consumer Legal Remedies Act, ( hereinafter referred to as CLRA ) California Civil Code section 1750, et seq., ( hereinafter referred to as the ACT ) and pursuant specifically to Civil Code section 1782. I am hereby notifying that you are inaccurately and falsely reporting the following Account # XXXX which constitutes violations of the Act and of my demand that you remedy such violation within four ( 04 ) calendar days from your receipt of this letter.

Your failure to correct or fix this issue will prompt me to pursue my legal rights under 15USC Section 1681n or 1681o of the Fair Credit Reporting Act ( hereinafter referred to as FCRA ), Civil liability for willful noncompliance. Your company may be liable for : Any actual damages I sustain due to your failure to delete this item ; Cost of court action in order to have the item deleted; Punitive damages as the court may allow ; Nelson v Chase Manhattan, 2002 provides a cause of action for individuals against furnishers of information. I would prefer not to use the courts to resolve this matter. 



Yours very truly, XXXX XXXX XXXX XXXXc : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX ( XXXX ) California Attorney Generals Office Attachment : FTC Identity Theft Report.
Consumer complaint received 2022-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NC)

Chase Bank appears to be intentionally slowly handling the check deposit from my home sale. They are insisting on holding the funds for XXXX days even though they verified that the check is valid with the paying bank. 

When you sell a home, it is reasonable to expect that the check deposited will be processed at least within a few days.I have made multiple calls to resolve and received misleading information ( one agent said the paying bank would not take calls to verify ). 

After resolving that mis-information and having the check verified as valid, I was told a supervisor would not release the funds until the XXXX days had passed.
Consumer complaint received 2022-12-15
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. (GA)

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVED! 
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 2021-12-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

Date : XXXX XXXX, 2021 Action : Opening a checking account at Union Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 
Complaint : False Advertisement. 
I Received a solicitation email from Union Bank to open a checking account and get a {$300.00} bonus. Office branch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX refused to open the account with bonus.
Consumer complaint received 2022-09-27
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-06-24
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: ERC (TX)

I am asking validation of this account, please do not send a final bill in which a final bill does not validate after the contract was sold. I am specifically asking for an original signed contract, including any electronic signatures, full payment history from the original creditor, and the original purchase agreement, and if the company can not provide all three of these the debt is in fact invalid and needs to be immediately removed from all three credit reports.
Consumer complaint received 2021-12-07
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Continental Services Group, Inc. d/b/a ConServe (CO)

Received a call before XXXX AM on XX/XX/2021 and there was no voicemail left. Unsure of why they are calling as I dont believe I have any accounts with them. Ive not received any letters or emails stating I have any money owed to them.