davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TransferWise Ltd (FL)

I purchased airline tickets from XXXX XXXX and authorized an amount of {$1600.00}. This was immediately debited to my account and showed up as pending. A few days later, I received notification from my bank that the transaction had not been completed and that the money had been returned to my account. I tried to contact XXXX XXXX repeatedly to find out what had happened, but the wait time to speak with an agent was over 8 hours. Since I was desperate to get to our destination for a wedding as well as to see my terminally ill father, I booked alternative flights with another airline. It later came to light that XXXX XXXX had debited my account with XXXX further smaller transactions totalling the same $ amount as the original transaction, but because this is a multi currency borderless account, this was not obvious because the amounts were actually debited in British Pounds. I contacted Wise for further information about these amounts and found that under authorization they both said " authorization unknown ''. Wise agreed that since there had been no communication from XXXX XXXX as to what they were doing, that these transactions were not in fact authorized and they would initiate a chargeback to get the amounts refunded to me. They later reneged on that verbal agreement and said there was nothing they could do. I do in fact have an email from XXXX XXXX at Wise dated XX/XX/2022 which states that an amount of {$1600.00} was debited on XX/XX/XXXX. It also states that instead of debiting that amount the merchant split the payment and debited additional amounts BEFORE the first transaction was refunded on the XXXX and XXXX of XXXX respectively. I have attached a copy of that email. As it clearly confirms in the email, the transactions say " authorization unknown ''. I contacted XXXX XXXX separately and they said because the ticket is non-refundable, there is nothing they can do. I did tell XXXX XXXX before the flight departure date that I would not be using the tickets and therefore they were free to resell those seats, which I am sure they did. In summary, These smaller transactions were not authorized, Wise agreed that they were technically fraudulent and that they would help us and then renegued. I need to know that my interests are protected when I used my card, and in this case they were not. I need a refund as soon as possible.
Consumer complaint received 2022-10-01
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: EQUIFAX, INC. (KS)

( 1. ) After a second review of my Equifax credit report I've found this Hard Inquiry which I did not consent to : XX/XX/2022 XXXX XXXXXXXX XXXX Please be advised these are not " Statement Of Fact '' .. FCRA Rules state that any information can be disputed and must be investigated. Credit inquiries made without permissible purpose can be removed. Additionally, the FCRA states you can sue for damages in the amount of {$1000.00} for each instance a company pulled your credit report without your permission. 15 USC 1681b [ C ] [ 3 ] ( 2 ) INFORMATION REGARDING INQUIRIES Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 15 USC 1681s-2 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2022-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

To Whom It May Concern : This new complaint is in response to a previous complaint filed during early XXXX of 2022 regarding a few claim cases I had with Chase Bank I paid Merchant for items that I never received. Chase Bank Executive Offices responded to my original complaint about certain claims I had ( attachment provided ). I accepted their responses for most of the claim cases. However, Chase stated that for one of my claims that were rejected, I could reassert the claim once I sent them a Cardholder Letter stating that I paid for items that I never received from Merchant.

I submitted the Cardholder Letter ( attachment provided ) to Chase Bank Executive Office, and I got a called acknowledging receipt of the letter and that their team will do further research. It has been 2 and a half months and I still have not received any updates ; I tried following up through email as well as calling and leaving a voicemail, to no avail. Any help or further investigation would be greatly appreciated as it has been stressful dealing with Chase bank and I feel like Im not getting the help, attention, nor service I need. Thanks.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. 

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 XXXX XXXX XXXX XXXX  and list of Inquiries 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 2022-07-05
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. (MS)

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 n 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 us 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 n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2024-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TekCollect Inc. (TX)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ). Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number ( XXXX ), an auto loan account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), and a personal loan account opened at XXXXXXXX XXXX XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ) an XXXX was leased at XXXX XXXX XXXX XXXX XXXX )
Consumer complaint received 2022-11-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (TX)

I paid off my student loan with XXXX XXXX during the pandemic period. I requested a refund of all payments made during that period, and XXXX said they submitted that refund request on XX/XX/XXXX to the federal treasury. Then In XXXX they say they transferred my loans to aidvantage because XXXX is no longer going to be servicing student loans. Aidvantage says they have no information in their system about my loans and may not have any information u til the end of XXXX, the deadline to request refunds of payments made during the pandemic in order to qualify for the new student loan forgiveness is the end of XXXX, XXXX claims my refund request with the treasury no longer exists and aidvantage will have to request it again but since aidvantage says they will not have any information on my loans u til the end of XXXX by then the refunds will not be an option and I will lose the forgiveness. I found information online that stated a complaint with you could help me and cause me to get the refund in time, please help me get aidvantage to submit my refund request In time, they are not able to give me any information as they say my loan is not in their system yet but I have an email from XXXX stating they transferred it on XXXX XXXX. I have waited weeks hoping this would resolve on its own but now I a, afraid if I dont take action I will lose the loan forgiveness by missing the upcoming XXXX deadline for refund requests,
Consumer complaint received 2023-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

In early XXXX, I entered into a forbearance under the CARES Act where I was allowed to postpone my mortgage payments for a duration of up to a year due to XXXX hardship. 

However, after attempting to exit my forbearance and make a payment plan, as stated under the XXXX XXXX, XXXX Mortgage refused my payment plan and demanded payments in full. When I would try to apply for the payment plan, they would use every excuse possible on why I didnt qualify and instead tell me that I owed them over $ XXXX as a one time payment. 

During this process, I still continued to make regular monthly payments to cover my mortgage, including during the months of XX/XX/XXXX to XX/XX/XXXX. 

However, since the XXXX XXXX states that a mortgage company can not mark forbearance periods as late payments, XXXX Mortgage decided to work around this by instead counting the payments I would make towards different months. For example, the payment I made on XX/XX/XXXX would instead be applied to the XX/XX/XXXX payment, even though the payment was made by me towards the XX/XX/XXXX payment and not the forbearance amount, as that was under a XXXX XXXX application. 

They are currently reporting to my credit bureaus as my payments being late from XX/XX/XXXX to XX/XX/XXXX. I did make payments during these months and these payments were the exact payment amounts that were agreed upon. I was not late on my payments during the months reported. 

I submitted a dispute to Experian with the exact above information, but Experian did not update my information even after attaching the transaction history that shows I submitted payments for those months.
Consumer complaint received 2022-09-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: AXOS FINANCIAL, INC. (KS)

On Friday, XX/XX/2022 I was working on a project that required a plug in tool to assist. I had been using a free version with so many calculations before it stopped and told you to pay for the tool. Since it was helping and I had several more calculations needed I decided to buy the tool for a month of service with the intent to cancel after my month of use. 

I click the link for the plugin and am taken to a website for sign up and payment. I click to subscribe, and it takes me to a payment screen. I verify the details and set up payment using my debit card. It processes and I'm taken to the next screen to begin my account set up - choosing a username and password. However no matter how many times I try I can not get it to work. I take a look at the submit button from XXXX 's inspect function and see it doesn't do anything. So then I look for a FAQ, chat bot or phone number ... Something to contact them for help. There's nothing listed. I search XXXX and the only thing I find is others that had signed up and never received anything either calling it fraud and a scam. 

I realize I should have not trusted it just because it was a direct link and tool from a trusted source, I also realize that I provided my details for a payment authorization ; however, when I called my bank Axos they told me there was nothing they could do and opened and closed a fraud case saying it was my responsibility to contact the company and cancel directly. This was after two direct phone calls where I told them over and over the same points : 1 ) I did not receive a service I paid for.

2 ) I am not able to cancel as there is no information for a phone number, physical address, chat bot or anything I can find when XXXX 3 ) Many others have shown this is fraud after the fact 4 ) It's a monthly subscription fee that I need flagged and declined I asked to speak to managers, I asked for more assistance. I couldn't understand how a blatant scam could be more protected by my bank than my funds and transactions. The guidance I was given in writing with my declined fraud claim was that I will need to cancel directly through them since I made the payment otherwise there is absolutely nothing my bank will do. No option to shut down the debit card number to stop further transactions l, no option to flag and decline all incoming transactions. 

How do any fraud claims get approved if this is the outcome in such an obvious scam. Yes, I made a mistake, but where are the protections in place to help me have peace of mind for my finances?
Consumer complaint received 2024-09-04
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. (FL)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction.

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2022-08-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmerAssist A/R Solutions, Inc. (TN)

I reviewed my credit report for the first time and noticed a debt collection from AmerAssist for services from XXXX XXXX XXXX in the amount of {$1200.00} from 2019. I have never requested services from XXXX XXXX XXXX, nor have I ever received services from XXXX XXXX XXXX. This is a result of identity theft. I called AmerAssist and the representative told me that the debt was not even in my name, but in " XXXX 's name. '' I was told to file a police report and send that to the debt collections agency. I was never sent any notification to my residence about this debt or this collection. I need it removed from my credit report since it does not belong to me.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2022-09-27
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (KS)

I began the process with JP Morgan Chase on XX/XX/XXXX. During this process they required almost {$12000.00} in repairs and then stated it was the XXXX requiring this, not the underwriters of Chase. The requirements were by JP Morgan Chase. They repeatedly asked me to provide and contact the appraiser for the appraisal, which they can not do as the appraiser can only communicate with Chase as a third party source.I also was asked multiple times for a divorce decree to which I have never been married or owned the home with any other adult. I used my HELOC account to pay for the repairs and then had an change of increased interest rate. I submitted all forms required on the first of XXXX and was then told the week of XX/XX/XXXX they needed every XXXX from XXXX and XXXX. I submitted my XXXX 's from the IRS website and they stated they would not accept any documents from the IRS and I needed each XXXX from each employer. I also sent receipts of payments for the work required by the underwriters of Chase and they would not accept them as proof of the work completed. They also did not accept the reappraisal that included photographic evidence the work was complete. They needed a statement from XXXX Bank showing payment to the company listed. XXXX Bank will not give me a statement with proof of payment until the next statement date of XX/XX/XXXX. They stated they can not provide a history of payments made between the date of the last statement of XX/XX/XXXX until the next statement date of XX/XX/XXXX. Each week I am asked to provide further documentation of employment, income, legal documents on the custody of my child, utility bills from a year ago, etc. I have repeatedly asked to please review what has been submitted and let me know what is missing as for every week for 7 weeks I am spending significant time provide proof of owning my home ( JP Morgan Chase holds the current mortgage ), proof of purchases, etc.
Consumer complaint received 2022-06-08
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. (NY)

In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX Account # XXXX, CHILD SUPPORT ENFORCEMENT Account # XXXX, XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX Has violated my rights 15 U.S.C 1681 section 602A States I have the right to privacy 15 U.S.C 1681 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XX/XX/XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXXXXXX XX/XX/XXXX XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 

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.