davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

Im writing a summary of fraudulent charges made on my credit card. Im outlining events that took place from XX/XX/2020 to XX/XX/2020. 


Two fraudulent credit card charges were made on my JP Morgan Chase Freedom Unlimited Card. These two charges were made on XX/XX/2020 but did not show up as charges until XX/XX/2020. Each of the charges were for {$2600.00} each, totaling to {$5200.00} plus a transaction fee of {$100.00} for each charge. This a grand total of {$5400.00} that was fraudulently charged to my credit card account. I called the chase fraud number on XX/XX/2020 and they had my account suspended, a new card issued, and assurance that these charges and the transaction fees will be reversed. I called the number on the back of my card two more times to assure that this was the case. 


I issued fraud alert through XXXX. I filed an FTC identity theft report ( ID : XXXX ) at IdentityTheft.gov. I filed a police report ( Tracking number : XXXX ) through the XXXX Police Department. All these fraud reports were made on XX/XX/2020. I requested my credit report and checked to see if all my information was listed correctly and that no other forms of fraud or theft were associated with me. 


I noticed the two charges and their transaction fees were reversed a couple of business days later and I was issued my new credit card and account number around a week later. Ive heard nothing about this case for over a month after it being resolved. 


On XX/XX/XXXX, the Chase Fraud department sent a pdf to the Statements and Documents section of my account. This pdf is basically summarized to say that the fraud department completed the review of the unauthorized transactions on my account and found that I have received benefit from both transactions. The Chase Fraud department is telling me that I benefitted from these transactions when I did not benefit from these charges at all. 


Today on XX/XX/XXXX, I read the notice that Chase still holds me responsible for the charges made on my account. So my newly-made account was recharged the two {$2600.00} fraudulent charges after already being reversed for over a month. 


I want to take further measures in protecting myself by reporting this to the CFPB. 
I took and will continue to take very proactive measures and report the charges as fraud to Chase and other third party agencies as I receive more information about this case.
Consumer complaint received 2022-12-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (KY)

I was looking for a remote job and I got a job offer from XXXX XXXX XXXX and they set XXXX XXXX for an interview and i passed. They later told me that they are going to send me check so that I can buy computer and software. I get the check 2 days later on the XX/XX/30 and I go to the bank do deposit it but they tell me that they need to hold the check and check for authenticity and that it will be available in 2 days on XXXX. XX/XX/XXXX I get the check on my account and they tell me to buy the computer at the apple store and that I need to send them {$2500.00} for software. Ive never workers remote before so I though this was ok. They tell me to send the money through XXXX and I started to become suspicious so I called the bank that day XXXX and XXXX to confirm if the check is real and they say that the check is perfectly fine and there was nothing wrong with it and that there was money on there and that I dont need to wait 7 days and that the process was already done in the 2 days. So that erased my doubt and on XXXX I sent {$1000.00} and another {$500.00} to XXXX through XXXX. On Monday XXXX the bank takes all my money and now my account has over draft. I called the bank and told them about the whole process and they said they wont refund me the money and that I sent the money willingly. I WAS SCAMMED AND I KEPT ASKING THE BANK IF THERE WAS ANY ISSUE WITH THE CHECK AND THEY SAID NO AND IT WAS FINE. This is so unfair I want my money back.
Consumer complaint received 2022-06-30
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. (TX)

Company could NOT verify this account belongs to me. Two other credit reporting agencies REMOVED this account. This account can NOT be verified, as I was NOT on the lease anymore when this collection was created for an old roommate. This is fraud and needs to be REMOVED. 

XXXX XXXX  {$7700.00}
Consumer complaint received 2020-05-21
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. (LA)

XXXX XXXX XXXX changed 22 items on my Experian credit report between XX/XX/XXXX and XX/XX/XXXX. I called to discuss this with Experian but they claim there have been no changes to my report since the beginning of XXXX. I am attaching 2 Experian reports of my XXXX XXXX tradeline account # XXXX, there are clear changes with dates and number of late payments and even a comment under " Reinvestigation information : This item was updated from our processing of your dispute in XX/XX/XXXX. '' But again, Experian says there are no changes in the past year. 

I have a couple of problems with the situation : # 1 The integrity of XXXX XXXX payment system is flawed, there is no reason for 22 errors. There are still errors but I have no recourse as Experian can't even discuss the situation because they have no record.

# 2 Why were the errors not corrected when I had previously disputed the accuracy? Experian says they have never received a dispute from me in regards to this account. The latest update on the tradeline was my request to remove the dispute comments earlier this month. Even the notes that I can't see prove there items were previously disputed. 

This isn't a new process or system there is no excuse for XXXX XXXX errors or Experian lack of accountability. The 1st dispute should have corrected the errors and the 22 corrections should raise red flags. This is affecting me financially, I want the tradeline deleted immediately or I will move forward with an FCRA attorney to file suit against Experian.
Consumer complaint received 2024-10-14
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: Experian Information Solutions Inc. (CA)

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 verifiedthat this item is being reported correctly? Who verified this item? 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. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified these item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX
Consumer complaint received 2022-10-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Affirm Holdings, Inc (NC)

I have multiple loans with Affirm Finance and have had for the past few years with no problem. I have paid off multiple loans with them. I make my payments via their app and have had no problems until now. When i went to make a payment, all of my loans except one had disappeared! It is their practice to send text reminders when payments are coming due, but this time i was unable to pay the amount in the text, because it did not appear in my account on their app! My account is showing a total balance of {$49.00} and a payment of {$15.00} due XXXX. I owe much more than this. I called Affirm customer service on XXXX to report this problem and to make my payment. The rep asked me for identification information for my account and i told him. He then stated the DOB i gave him was not the same that was listed on my account and would have to be corrected. He stated it would take approximately 3-5 days for this correction to be made, but until then, he could take no payment from me. I explained this would cause me to miss payment dates and he stated someone would be contacting me. I received an email from Affirm on XXXX from someone named XXXX XXXX stating he had received request to update my DOB, and for me to click a link to submit photos of my government issued ID such as drivers license, passport, or ID card and that once submitted to allow 7 business days for the update to be made. I do not trust this! I did NOT click the link and am still not able to make my payments on my online account. I do not know if this is fraud, but i have never had an issue like this and would like assistance correcting this issue as payments are due to them on various days and I am missing these pay dates in the meantime and do not feel i should be charged any late fees as it is not my fault!
Consumer complaint received 2022-10-21
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. (IL)

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. 

Account Name : XXXX, Account Number # XXXX, Account Name : XXXX XXXX, Account Number # 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.

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 reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.
Consumer complaint received 2020-05-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation (TX)

In XX/XX/XXXX I financed a XXXX XXXX XXXX with around XXXX miles for {$14000.00}. I have to date paid {$9600.00} on the loan to Bridgecrest. I looked at my payoff today and the amount to payoff loan was {$15000.00}. How is it possible for a auto loan company to apply 0 to your principle for 21 months. I had an appraisal done for trade value and the car is worth {$4000.00}. I can not sale. I can not trade in the vehicle. At this rate it will be trash before it can be paid off. How are companies aloud to be predators to consumers?
Consumer complaint received 2020-05-16
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. (NY)

My issue is that my credit report is showing I missed the XXXX, XXXX and XX/XX/2019 payments for my XXXX XXXX credit card. I attempted to reach XXXX by phone to correct this but was told by a recording that they have limited staff and were unable to accept my call. This was on XX/XX/2019.
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

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 the XXXX credit bureaus was XXXX XXXX, 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 the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to correct immediately : XXXX XXXX XXXXXXXX
Consumer complaint received 2021-10-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with MIDLAND FUND plus they did not provide me with the original application like I asked. 
Account No : XXXX Amount Disputed : {$1700.00}
Consumer complaint received 2020-05-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (MD)

I was sent a letter on XX/XX/2020 from Convergent Outsourcing, inc., saying that my XXXX account has a negative balance of {$330.00}. The company claiming to be a collections agency offered me a settlement of {$160.00}. I have checked with XXXX and confirmed that my account is in good standing, I'm concerned that Convergent Outsourcing Inc, is trying to scam me and many others.
Consumer complaint received 2020-05-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Malen & Associates, p.c. (NY)

In XXXX i notified XXXX XXXXXXXX that i was facing financial hardship. I was unemployed and had a credit card i opened up after a XXXX  following a severe accident in XXXX. I told XXXX XXXX in XXXX that i was unemployed and asked for their credit protection option for help with my balance due. I was declined the coverage and instead was charged at least 5 past due fees. I was even charged a fee in XXXX of XXXX when i paid on my bill on the correct time. When i indicated that i was unemployed and facing financial difficulties my option were not provided. I was told i had no coverage for protection against past due fees and i was not eligible for rebates or program. Instead i was charged additional fees and then in XXXX it was transferred to a debt collector. The collector is collecting on the past due fees i was charged. On top of the past due fees, i was notified in short form that i had to pay a {$650.00} recovery fee on top of the balance of my cards. This was reported to Malen & Associates who capitalized all past due fees and recovery fee and filed on civil lawsuit on behalf of XXXX XXXX. I attempted to settle with Malen & Associates minus the recovery fee and past due fees and was immediately sued.
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

Sent letters to request an investigation and to remove inaccurate information from my credit report. In my understanding with the Federal Credit Reporting Act, everything has to be 100 % accurate on my credit file. The reponse from the credit bureaus stated my file was properly investigated, how is that possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is inaccurate. This is grounds for removal, they have violated my rights under ; -15 USC 1681 section 602A -15 USC 1681 section 604A section 2 -15 USC 1681s-2 ( a ) ( b ) ( i )
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (ND)

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 2019-06-17
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (KY)

On XX/XX/2019 I went to South Carolina to begin my XXXX XXXX for the United States XXXX while down there I had none or very little access to phones, internet and even my money because we were training to become XXXX but while I was down there my banking account had been compromised with navy federal leaving me with XXXX cents due to atm withdrawal fees over XXXX $ During the time I was in XXXX XXXX which I didnt need know where near that kind of money and the atm chargers where nowhere near close to where I was at the time and I told navy federal I could prove it with documentation I was in XXXX XXXX. when I had got my phone back after two months on XX/XX/XXXX family day and checked my bank account I found out somebody had stole my identity and acted like me guessing my code word to navy federal and changed the pin to my lost/stolen card because I didnt give anyone permission or know anyone personally who would steal my money and the police are investigating now to access it so I changed everything about my navy federal account new routing number, new pin, new code word. I asked did they need any of my documentation for the credit provisions they were giving me and do I file a police report with them or the cops and I did it with the cops they told me no even though I couldve provided it so on XX/XX/XXXX I was negative the balance that was stolen from me and the credit provision so I called navy federal they were very rude and little to no help at all the call center representative told me I was denied because a third party who we both dont know who it is, said I gave written permission to spend my money so they denied it without even verify sources after I told them I dont know who stole the money and my card was lost then stolen that was the second time they let somebody act as me on behalf of my account the fraud supervisor XXXX or something hung up on me after she said she couldnt do anything to help me which was very rude. I just want to get my money back and how does navy federal keep letting my account get compromised if I try to go threw all these precautions measures to not!
Consumer complaint received 2022-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (FL)

I opened a credit card account with Milestone Mastercard issued by XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021. The initial annual fee in the agreement is {$75.00} and then {$99.00} thereafter. When I received the card it already had a balance of {$170.00} for the annual fee. This is not what I agreed to and is fraudulent. I called immediately and asked to cancel the card. They told me to register and to do it online. When going online I am unable to cancel the card. I spoke to a friend in finance who advised not to activate the card or use it. I never activated the card nor used it as it is NOT what was agreed to and I have the agreement from the company showing they fraudulently charged a higher fee. I called today to cancel yet again and she said I will get a letter in the mail but there is no other confirmation number or email that can be provided. She then said she had another offer for me and could give me a {$25.00} credit. I told her it is ridiculous to offer me {$25.00} when they charged an additional {$100.00} without my authorization. I want this credit card off of my credit as it is not what I authorized nor agreed to. Banks should not be able to legally charge consumers fees not in the agreement and contract.
Consumer complaint received 2022-12-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Incomm Holdings Inc. (CA)

XX/XX/2022 ( Sat ) : At XXXX ( call duration : XXXX XXXX  ), I informed representative that I could not sign-in to my account online. The representative, who could not speak XXXX well, kept telling me I could just go online to access my account. I again told her I could not sign-in to my account online! I told her I was getting an error message that said, " A system error has occurred. Please try again later. '' She responded by telling me I was using the wrong username ( which is not true, because I copy & paste username from a text file ). She told me to use all lower case letters of my username instead, and to wait XXXX XXXX  and try again. 

XX/XX/2022 ( Sat ) : At XXXX ( call duration : XXXX XXXX  ), I called back and told the representative that I still could not sign-in to my account online. The representative just tells me to go online and access my account. Again I told her I could not access my account online because you are not allowing me to sign-in to my account! She then tells me to wait XXXX XXXX  before trying to sign in. I told her I did wait the XXXX XXXX  and more, but still could not sign in. She then reverts back to telling me to go online and access my account. I again told her more firmly, " I Can Not Sign-In to my Account Online! '' She then puts me on hold and never returns. 

XX/XX/2022 ( Tue ) : At XXXX ( call duration : XXXX XXXX  ), Called to cancel this account, but no answer. 

XX/XX/2022 ( Wed ) : At XXXX ( call duration : XXXX XXXX  ), Called to cancel account, but no answer.