davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (CA)

PROBLEM WITH CHASE BANK, transaction with a 3rd party ( XXXX  = XXXX  ) I paid XXXX $ to XXXX  for a service. ( XXXX XXXX ). Then XXXX appeared to be an internet scam, disapearing, using multiple identities, names, false advertising, multiple names for the business. They advertised for a 100 % money back guaranty. Before sending a full manuscript ( i am a published writer ) i asked for a refund. they tried to intimidate me. As i had paid with a credit card, i appealed to CHASE who immediately refunded the {$1100.00}, without asking any questions. 
XXXX then contacted me, begging me to cancel the claim 'so that they would not have a red flag on their account. '' i called CHASE many times to ask for advice, received contradictory responses from the XXXX, XXXX and local branches ; low competence and knowledge. Yet, i was told that i could cancel and then re-file a claim if the issue was not solved. 
XXXX send me 2 emails saying that they would immediately refund, if i cancelled the claim with the credid card. 
Tried to be fair to both CHASE and XXXX. they NEVER REFUNDED, changed their website, etc. 
i immediately ( monday morning ) resent a claim in writings to CHASE. They have been since dragging me around. I called CHASE at least XXXX times. ( XXXX ). The last supervisor that i could finally speak ( XXXX ) with said that it was too late. i re-explained and she said that she would reconsider the case. In the Chase website, she put a note : " customer does not agree ''. This is absurd. i did not say that. I acted upon written promise of a REFUND to avoid dishonesty with my bank. 
how can i get my $ $ back?
Consumer complaint received 2023-07-24
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: EQUIFAX, INC. (NY)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX XXXX
Consumer complaint received 2022-07-11
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. (GA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see the Verifiable Proof you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

1. The status is incorrect for the following account XXXX XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 

2. This account has been settled and paid. 
XXXX Account Number : XXXX Please remove it from my credit report. 

3. The status is incorrect for the following account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. The status is incorrect for the following account XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

5. XXXX XXXX Account Number : XXXX This is my SECOND ATTEMPT to remove inaccurate late payment remarks from my report. Please stop your stall tactics and comply with my request for removal of the inaccurate information as it is a BLATANT VIOLATION of my rights as a consumer under federal law. XXXX XXXX Account Number : XXXX The following account has been listed as having late payments, pursuant to 15 USC 1666, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Please update the account as I have not been late on any of these payments.

* Please remove all non-account holding inquiries over 30 days old.

* Please add a Promotional Sup
pression to my credit file. 


Thank You, XXXX XXXX
Consumer complaint received 2019-02-17
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Receivable Management Group, Inc. (GA) (GA)

On XX/XX/2019 I received notice from my credit monitoring service that a collection account for {$650.00} had recently been placed on my XXXX   credit report. I accessed my credit report and verified the listing of the collection account and amount stated due. Prior to receiving an alert from the credit monitoring service, I had not received any correspondence verbally or written from the collection agency that placed the account on my XXXX   credit report and I have filed a fraud investigation request of the account with XXXX.
Consumer complaint received 2020-06-21
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. (NC)

I have reached out to XXXX on 2 occasions, XX/XX/2018 and XX/XX/2018. Over the years I have taken several student loans all the way through XXXX  school. Each one of the loans showing as an individual account on my credit. XXXX  ( loan servicer ) failed to disclose my ability to consolidate and my rights to a forbearance or alert me of deadlines. I told them that I couldn't afford the {$2000.00} per month payment and never did they tell me I may qualify of Income Repayment. It wasn't until I reached out to XXXX XXXX that took care of all of this for me. They consodolidated my loans, put me in a forbearance and once that was done, my payment was {$260.00} per month. It is because, XXXX failed me as a lender that because of the alleged 8 payments they claimed I missed, that I have over 160 late payments with them across 20 individually reported accounts. I reached out to XXXX and the credit bureaus, as the loan reporting is very sketchy. Some months they don't have any reporting at all. I have only had success with XXXX. XXXX has been paid. XXXX should take ownership of their terrible lending practices of reaging my account by applying {$1.00}. Payments to borrowers loans so they never age off.
Consumer complaint received 2022-06-23
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL (NY)

XXXX Synchrony Bank sent a letter to me with the WRONG ADDRESS under my name in claiming that they have an account with them that was sold to XXXX XXXX XXXX, XXXX. This letter was sent to me XX/XX/2017. 
I have never opened an account with Syncrhony Bank and somehow the letter mentioned previously even shows an account number in Synchrony Bank. It also claimed a ridiculous credit limit and available credit for my age at the time. 

Now during XXXX they left me voicemails pertaining to the amount I owed, and they even CALLED MY SISTER regarding my debt which I think violates Fair Debt Collection Practices Act ( FDCPA ). 

Also I under my credit report somehwere around 2017 they started showing up as debt collector claiming I owe them a certain amount which I believe hurts my credit score. So I was wondering if this can be fixed by your agency, many thanks.
Consumer complaint received 2022-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (MI)

I purchased a custom-made doll from XXXX on XX/XX/XXXX, which had a delivery time of 4-6 months. At first, the seller kept in contact with me, but after the shipping time passed, she did not respond to my messages. After a couple of weeks of no response, I checked on the seller and saw that she had negative reviews that were similar to my issue. Additionally, her XXXX account was closed! I contacted XXXX immediately, but rather than help, they told me that I was a few days past their " guarantee '' and so they would not refund me the {$600.00} I was charged by the scam seller. 

I immediately contacted Discover, since I made the purchase on my Discover Card. This was XX/XX/XXXX. 

The Discover representative said they would let me know if they needed any documentation from me ; I NEVER received a request for documentation! 

On XX/XX/XXXX, Discover ruled in XXXX 's favor - I immediately checked to see their justification, and there are no details. I called Discover and they informed me I could still submit documentation, which I did. 

However, their decision several days later was the same. 

I'm honestly flabbergasted because I expect consumer protection to cover what is clearly a scam - a seller who charged hundreds of dollars for a purchase whose timeline goes past XXXX 's " guarantee, '' then closes her account when she's getting too many negative reviews... 

... yet Discover will not honor its own commitment to consumer protection? 

I feel frustrated an upset at both XXXX and Discover- this was a purchase over {$600.00} made to a clear ( in retrospect ) scam XXXX. Yet neither will make things right.
Consumer complaint received 2022-06-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accelerated Servicing Group LLC (TX)

XX/XX/22 received voice mail from woman, XXXX, claiming to be from ASG. she states no 1099-C tax form has been filed yet. she says i can make online payment with 10 % discount at XXXX  and she doesn't give me an amount owed or who ASG is collecting for. 

i XXXX  it and this is apparetly a known scam? per websites i read that the site is not secure and they can get your info that way. 

phone number she called from : XXXX when i call the number back i can't get to a person. an automated voice askes if i am XXXX ( I am not ). states that i should then leave my name and number on their recording and they will remove my number from their call list.
Consumer complaint received 2022-07-11
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EQUITY LOANS LLC (FL)

My Name is XXXX XXXX, a friend of XXXX XXXX the actual person going thru this issue. XXXX XXXX has been attempting to purchase a property with XXXX. Got the pre-approval letter and everything. Today I received a credit score, but in the meantime, I am talking on the phone with XXXX XXXX Mortgage Loan Originator. She mentioned in a phone conversation that I have the recordings that are due to the debt-income ratio. When I have already spent {$8000.00} thru this process. When I am applying for a VA loan and she mentions that even if I put down 20 % which equals $ XXXX I am still not going to be able to purchase.
Consumer complaint received 2020-06-21
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. (NC)

I have reached out to XXXX on 2 occasions, XX/XX/2018 and XX/XX/2018. Over the years I have taken several student loans all the way through XXXX school. Each one of the loans showing as an individual account on my credit. Navient ( loan servicer ) failed to disclose my ability to consolidate and my rights to a forbearance or alert me of deadlines. I told them that I couldn't afford the {$2000.00} per month payment and never did they tell me I may qualify of Income Repayment. It wasn't until I reached out to XXXX XXXX that took care of all of this for me. They consodolidated my loans, put me in a forbearance and once that was done, my payment was {$260.00} per month. It is because, XXXX failed me as a lender that because of the alleged 8 payments they claimed I missed, that I have over 160 late payments with them across 20 individually reported accounts. I reached out to XXXX and the credit bureaus, as the loan reporting is very sketchy. Some months they don't have any reporting at all. I have only had success with XXXX. XXXX has been paid. XXXX should take ownership of their terrible lending practices of reaging my account by applying {$1.00}. Payments to borrowers loans so they never age off.
Consumer complaint received 2020-06-21
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: Experian Information Solutions Inc. (GA)

CFBP failure to enforce under 5 U.S.C. 1681 ; 15 U.S.C. 1681 ( b ), 15 U.S.C. 1681a ( d ) ( 3 ), 15 U.S.C. 1681b ( a ) ; ( g ) and 15 U.S.C. 1681c ( a ) ( 6 ) ; Section1681 ( e ) ( i ) ; 1681 ( g ) ; 1681 ( o ) alternatively Section 1681 ( n ) to date, cause consumer bodily  harm to date.Experian and its Sr. Gen. Counsel XXXX XXXX failure to respond or redress consumer complaints via by XX/XX/XXXX Complaint # XXXX ; XXXX shown ( CRA ) acting futherance in non-compliance in meeting CFBP deadline on XX/XX/XXXX. The non-answering of complaint with detailed statements and facts the steps have taken to redress my complaint timely. Again ;  Experian and its Sr. Gen. Counsel XXXX XXXX again shown CFBP failed to respond or redress consumer complaints via by XX/XX/XXXX complaint # XXXX ; XXXX ; XXXX. 

Experian Counsel Mr. XXXX sent me via email the ( CRA ) found 2 disclosures that fall during the time period Experian have inaccurately reported the public record. The time period of possible inaccuracy is the date from when it was dismissed, XX/XX/XXXX, to the end of the mediation program timeframe, XX/XX/XXXX. 

Experian admonition having falselyreported the inaccurate or erroneous false judgment as public record on my credit report from time period ; XXXX, through or during XX/XX/XXXX, to the end of the mediation program timeframe, XX/XX/XXXX. Current to date erroneous civil judgment is past 7 year statue, shown since XXXX was falsely opened and shall remain until XXXX is in violation 5 U.S.C. 1681 ; 15 U.S.C. 1681 ( b ), 15 U.S.C. 1681a ( d ) ( 3 ), 15 U.S.C. 1681b ( a ) ; ( g ) and 15 U.S.C. 1681c ( a ) ( 6 ) ; Section1681 ( e ) ( i ) ; 1681 ( g ) ; 1681 ( o ) alternatively Section 1681 ( n ) to date, cause consumer bodily harm to date.
Consumer complaint received 2022-07-11
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)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX Account Type : Open Account Open Account Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$610.00} {$610.00} Last Reported : XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-07-11
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (TX)

I stepped foot into Wells Fargo on XX/XX/2022 to close my safe deposit box. I first attempted this on XX/XX/2022 but was told I would not be serviced without an appointment. 

Both keys were surrendered and the box contents were removed. I was told a key deposit of {$20.00} would be refunded. I have yet to receive this refund but have received a notice from Wells Fargo that the safe deposit annual fee is past due.
Consumer complaint received 2022-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (PA)

I opened a online Citibank checking account and transferred {$51000.00} from my Sole proprietary account with my same name from XXXX XXXX XXXX on XX/XX/XXXX to this new checking account. I have a credit card relationship with Citibank so I linked both accounts and after the promotion I started paying down my credit card balance with this new account. I travel internationally quite often so i tried to set up a XXXX account to transfer some of my funds back to my XXXX XXXX XXXX account. My checking account access was blocked on or around XX/XX/XXXX with a balance of {$41000.00}. I visited the branch on XX/XX/XXXX and a bank employee called the fraud department on my behalf he was told account was under review and was also told my account is being closed and funds would be sent back within 60days. I have read soo many reports of funds not being returned I want to proactively solicit your help in getting my funds back. Thank you kindly
Consumer complaint received 2020-06-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CO)

Ive disputed this account with the credit bureaus and they will not remove this from my report. The young lady I spoke to was terribly rude. Ive called them several times and I even asked if the had the original company phone number and she rated stated that she didnt have that information.
Consumer complaint received 2021-11-09
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Westlake Services, LLC (CA)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

I have been patiently waiting on Credit Bureau 's response to the written requests I sent regarding WILSHIRE CONSUMER CRED. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.
Consumer complaint received 2022-07-11
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. (TX)

1. I sent a letter dated XX/XX/XXXX and addressed to XXXX to the following address, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX in regards to incorrect personal information on my credit report. In the letter, I informed XXXX of the incorrect personal information. 

I requested the information be removed to display only correct personal information. I received a response letter dated, XX/XX/XXXX from XXXX stating the following : " We applaud your recent efforts to take charge of your credit. We want you to know we're on your side, and we're here to help support you on your path toward credit health. We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party ... ... ... ... ... .. '' In their letter, they also requested a credit repair company identify themselves by providing proof that I gave authorization to a credit repair company to communicate on my behalf. 

There is no credit repair company or third party. As I sent the letters, it appears XXXX responded to my request to buy themselves some time and declined to correct or remove the information. 

As I reviewed my credit report today, XXXX recently added and updated my name as it is on the letter I sent to them and also did not remove the other incorrect information. My name is incorrectly spelled and I only go by one name. I want my personal information correctly reported. 

XXXX. I sent a letter dated XX/XX/XXXX and addressed it to Equifax to the following address, Equifax Information Services LLC, XXXX XXXX XXXX, XXXX, GA XXXX in regards to an outdated address on my credit report. In the letter, I informed Equifax of the outdated address and requested it be removed. As I reviewed my credit report today, the outdated address is still on my credit report. I want my personal information correctly reported including current information, not outdated information. 

It has been well over 30 days and neither credit reporting company has corrected the errors as I have requested.