davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (GA)

I work at a XXXX  in XXXX, XXXX XXXX XX/XX/2022, there was a XXXX guy came in and ask for help. He said his phone is dead and he needed to call her girlfriend. He borrowed my phone to call her and then he hacked my Chase mobile banking app and committed an unauthorized transaction through XXXX. He added two recipients and tried to transfer money to both accounts the completed amount was {$1900.00}. I reported the fraud immediately to the bank because he deleted the app on my phone. I had a video record of the crime from a XXXXXXXX XXXX  camera and I asked the Chase 's fraud team so many times during my calls on XXXX and XXXX XX/XX/2022 to provide a video footage and report to the police. However, the bank said they do not need any more information right now and they will report fraud to the police after investigation but the JPMorgan Chase Bank denied my claim and took my money back from my account on XX/XX/XXXX. The reason the bank denied my claim is that a transaction was authorised because I allowed that person to use my device, and I totally disagree with that. Unfortunately, it's been a month now so the video is gone. I later reported to the police and the report number is XXXX. I contacted the Chase Claim Team several calls on XX/XX/XXXX and XXXX. While some officers required me to provide more document to reopen the claim, one suggested me to go to the branch, one said there is nothing they can do because the investigation is done. I have couple witnesses who saw the person committed crime. Also, I have their names and phone numbers of the criminals. 

XXXX. You added or edited XXXX as a Chase QuickPay with XXXX recipient. 
Get started by sending them money or requesting money from them. The mobile number, XXXX, you provided will be used to alert them about money you send or request. 
2.You added or edited XXXX as a Chase QuickPay with XXXX recipient XXXX 
Get started by sending them money or requesting money from them. The mobile number, XXXX, you provided will be used to alert them about money you send or request. 

I am absolutely sure that I did not allow that person to initiate the transfer. I was tricked by a group of criminal because after he returned my phone, he suddenly got in the XXXX car that was waiting outside. The transaction was not authorised and it was a fraud.
Consumer complaint received 2020-06-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Byrider Franchising, LLC (OH)

Hello Im contacting CFPB to help me out with a car loan/repossession it showed up on my credit report as closed I want it removed so when my credit Score is being rand I dont want that closed account for {$10000.00} to show up and this account was in XX/XX/2016 Can you help me
Consumer complaint received 2022-07-17
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MS)

Comenity bank has been down for a whole month. No one has access to their accounts online. Whenever you try to log in it gives a glitch error. They are not answering any calls. They have a robot saying call back later. You cant speak with a live person. They have everyones account mixed up. No one can give an explanation for anything. This is ridiculous. They not only changed the amount I was paying but also added on 4 other fees. I currently have/had a payment for XXXX due on the XXXX of the month in which I was paying {$18.00} for XXXX and Victoria secret I was paying {$26.00}. I logged on to pay and I see that payments were way higher for both with added fees on which I never had. I didnt know what was going on so I paid {$30.00} for XXXX and {$30.00} for XXXX even thou I knew my payments were only {$18.00} and {$26.00}. I logged on a few days later more fees. I couldnt understand what was going on. I tried callling and calling couldnt get through then the next day I was unable to log in. The whole system went down and has been down since. They keep lying saying the website is up and running and we can make easy payments thats all a lie! Nothing is working. Nobody is answering the phones and they are putting Late payments on everybody credit reports because they have been hacked. Its not our fault they messed up everything and everybody accounts. I have never in all my days seen anything like this in my life. I dont trust Comenity bank which is bread financial now at all. Something is going on and everybody is suffering because of their mess up. They are messing up peoples lively hoods messing with the credit scores. Some people said they were able to get the easy pay to work but its taking out over 2 charges on their accounts. I dont know what to do at this point. I dont feel like any of my information is secure. Something has to be done.
Consumer complaint received 2020-05-15
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: EQUIFAX, INC. (AR)

I decided to get my credit pulled due to a couple of collections I continued to received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$28000.00} XXXX XXXX XXXX {$41000.00} XXXX XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX  XXXX  XXXX {$7700.00} XXXX  XXXX {$4300.00} XXXX/XXXX  XXXX {$510.00} XXXX XXXX XXXX {$570.00} EQUIFAX XXXX {$2500.00} XXXX   XXXX {$570.00} XXXX  XXXX XXXX {$470.00}
Consumer complaint received 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Consumer Finance, On a recent review of my credit report , I discovered XXXX XXXX XXXX reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.
Consumer complaint received 2022-09-16
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Advance America, Cash Advance Centers, Inc. (TX)

I sent in a complaint yesterday to XXXX XXXX XXXX to 1- Cease & Desist communication through ANY medium which any medium is including my consumer report. The company replied but did not rectify the specified remedy that I am asking for. I want XXXX XXXX XXXX to remove this alleged debt from off of my consumer report and compensate me for ruining my reputation which is a direct violation of 15 USC 1692d ( 1 ) and they are civilly held liable to do so. I have asked in a precise manner failure to do so will result in me proceeding with legal matters and compensatory damages this is my second attempt to rectify this situation. The more time I have to spend on this the more hurt it is causing to me.
Consumer complaint received 2018-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (MO)

I pulled my credit reports and observed the account - XXXX XXXX XXXX - remarked the credit line was closed with a past due balance of {$920.00}. In XX/XX/XXXX, the account was listed as 30 days late. In XX/XX/XXXX, the account was listed as 60 days late. In XX/XX/XXXX, the account was listed as 90 days later. In XX/XX/XXXX and XX/XX/XXXX, the account was listed as 120+ days late. Then, from XX/XX/XXXX to XX/XX/XXXX, the account has been reporting a failure to pay.

I disputed the account on two occassions with credit bureaus, XXXX and XXXX  respectively, in XX/XX/XXXX then 30 business days later in XX/XX/XXXX. The previously mentioned bureaus and XXXX XXXX XXXX failed to send verifiable proof of the debt after both investigations.
Consumer complaint received 2020-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo decided to call me today, and told me that the fraud claim that I had reported in the past, and due to the claim that I filed JUST this week over an ATM Withdraw where the money wasn't dispensed and I actually spoke to the business manager in person face to face, and he assured me nothing was charged even though I SHOWED him the charge. He told me it would drop off in a few days, that they will be closing my Debit card. Which during Covid-19 I am using, so that I do not have to get out and write checks, So that I do not have to go to the bank. The Lady insisted that she counted 30 Claims. Which I know for fact, I have not filed 30 Claims. If someone filed these, I am not sure who it was. I have filed a fraud claim in the past because I was actually frauded which wells fargo didn't refund anyways. The Merchant had to. Which I had to reach out to, and for the ATM withdraw that the merchant promised me I wasn't actually charged that would fall off in the next few days and never fell off. I tried Explaining to the lady that I am not aware of what she is referring to. I told her, anytime a claim has been filed I have explicitly provided detailed documentation as to what happened during that incident. I told her no further claims would be filed for the next 12-Month Period unless fraud occurred. She told me did not care that I rely on my debit card to pay my electricity, she did not care that I rely on my debit card to pay my water bill, or to pay my food expenses at the grocery store. She did not care. Wells Fargo does not care, they encourage people to go to the branch and to catch Covid-19, When on their Website it says the opposite. It says they are here to assist you digitally. I do not feel like the closure of my debit card was fair, and or was unethical practices. I have not done anything to harm the bank ever. I know exactly what happened, and I tried explaining it to the rep who seemed to get hostile on the phone and didn't care what I had to say.
Consumer complaint received 2020-06-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY (NH)

I received a bill from TD bank for a late payment on a cell phone that was paid off a few months ago. My bill is of XX/XX/2020 XX/XX/2020. I'm not sure of the date but I called and paid in full a few months ago and now I'm getting charges with balances and late fees for a debt that was paid in full. I have tried to call TD bank at XXXX XXXX XXXX XXXX And I have waited on hold for over an hour with absolutely no response from TD. I have called on multiple occasion 's to try to resolve the matter and ice continued to be placed on hold. In order not to get charged and take a hit on my credit I paid their fees in closed my account. I am now worried that the next billing cycle I will get more charges on my account when I have paid my account in full on to occasion 's.
Consumer complaint received 2020-06-26
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: Experian Information Solutions Inc. (GA)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-03
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: Experian Information Solutions Inc. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX  XXXX {$1700.00} XXXX  XXXX XXXX  XXXX {$450.00} BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00}
Consumer complaint received 2022-07-17
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. (TX)

On XX/XX/XXXX I wrote a letter to all three credit bureaus informing each of them that the information on my credit report related to Account XXXX is not accurate and their reporting was erroneous and harming my credit file. They have failed to respond to my request or provide any documentation confirming that they have truly validated/verified this information within the allotted 30 days and as of today the information for this account is still incorrect. 

I am not able to determine if this is my account due to the inconsistent, incomplete, and inaccurate information : 1 ) Name : XXXX XXXX XXXX XXXX Account : XXXX High Balance : $ XXXX {$13000.00} Date of Last Activity : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Date Opened : XX/XX/XXXX, XX/XX/XXXX Dispute Status : This account has been disputed with all bureaus, but not reporting Creditor Remarks : Inconsistent across all three bureaus Last Payment : XX/XX/XXXX, XX/XX/XXXX Past Due : {$15000.00}, can not report a past due balance on a charge-off The above entry is inaccurate because nearly every entry in this account record is inconsistently being reported with no proof of validation after numerous requests to ALL credit bureaus. Your blatantly improper procedures are highly damaging to my credit score. Please immediately delete this item.
Consumer complaint received 2020-06-26
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)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

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.

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 2022-08-03
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: Experian Information Solutions Inc. (PA)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX Balance : {$5300.00} XXXX XXXX Balance : {$0.00XXXX XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$1300.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2020-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

As a part of a liquidification plan with XXXX on my XXXX XXXX and XXXX card, I made an arrangement months ago to make a payment on {$84.00} a month for the XXXX XXXX card and {$46.00} a month on the XXXX card. I made on time payments through auto-pay for every payment then got an email this month saying my account was overdue. The XXXX representative and website set my checking account would be auto drafted those amounts until the card was paid of in 2024. When I saw that I got an email saying my payment was late, I called XXXX and was on the phone with them for hours, disconnected all for them to tell me they " don't know what when wrong. '' I told them what their representative told me about the auto pay and they refused to listen to me. I lost my job before my job now which caused me to go on this liquidfication plan, but now despite me making a payment plan with them, they reported both of my counts delinquent which brought down my credit score 56 points  when I worked so hard getting it up the past year. I told the representative I would pay that day but they refused to take it off my credit report if though it is their system and representative error. I have to move into an apartment soon and due to the 56 point drop I had overnight because of this horrible company 's issue, I am not going to get approved now. I paid off several of my credit cards the past year and this has set me back significantly when I worked so hard to improve my life and credit. I need them to take this off my credit report immediately because it was their fault that they told me they would auto-draft from my account until 2024 and then just suddenly stopped the auto-pay without informing me.
Consumer complaint received 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX I wrote a letter to all three credit bureaus informing each of them that the information on my credit report related to Account XXXX is not accurate and their reporting was erroneous and harming my credit file. They have failed to respond to my request or provide any documentation confirming that they have truly validated/verified this information within the allotted 30 days and as of today the information for this account is still incorrect. 

I am not able to determine if this is my account due to the inconsistent, incomplete, and inaccurate information : 1 ) Name : XXXXXXXX XXXX XXXX XXXX Account : XXXX High Balance : $ XXXX {$13000.00} Date of Last Activity : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Date Opened : XX/XX/XXXX, XX/XX/XXXX Dispute Status : This account has been disputed with all bureaus, but not reporting Creditor Remarks : Inconsistent across all three bureaus Last Payment : XX/XX/XXXX, XX/XX/XXXX Past Due : {$15000.00}, can not report a past due balance on a charge-off The above entry is inaccurate because nearly every entry in this account record is inconsistently being reported with no proof of validation after numerous requests to ALL credit bureaus. Your blatantly improper procedures are highly damaging to my credit score. Please immediately delete this item.