davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-01
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: JPMORGAN CHASE & CO. (CA)

Hello, I am writing this to dispute a charge of {$270.00} made on XX/XX/XXXX by vendor, XXXX. I purchased a website subscription from this vendor XXXX for the amount of {$190.00} and they overcharged me by {$84.00}. 

On XX/XX/XXXX I opened a dispute for the amount of {$84.00} ( over bill ) this with my bank, Chase. The vendor, XXXX, asked me to cancel the dispute so they can resolve this issue themselves. I called Chase to resolve the dispute on XX/XX/XXXX and they processed a rebill and closed the dispute. 

Upon receipt of the dispute resolution, XXXX cancelled my subscription on XX/XX/XXXX entirely and are refusing to refund me for original payment amount, {$270.00}. 

On XX/XX/XXXX, I requested my bank, Chase to reopen the dispute for the full transaction amount of {$270.00} and provided a letter of dispute with supporting documents. On XX/XX/XXXX, I called Chase to check on status and they claim that the dispute is closed. 

Now I have no service and no money.
Consumer complaint received 2020-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MD)

My credit reports are reflecting the following FRAUDULENT inquiries that were made without my permission or knowledge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX   XXXX Please remove these FRAUDULENT inquiries.
Consumer complaint received 2022-06-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (MD)

I had a problem with my coinbase account where my account was hacked and assets stolen. I reached out to coinbase who says my passwords and security is up to me. I opened this accoun in XXXX of XXXX and bought 5 different crypto investments over the next few months totaling {$1100.00} of my own money. On Monday XX/XX/XXXX my password was changed so I logged on and was able to change but 15 minutes later I received another alert that my password was change again. I have called and called to get someone live but NO luck. My bank account linked to coinbase then had XXXX dollars being processed. I had called the bank to place a stop order on this which was done. However, Coinbase says my last transaction was not completed and I can not use my account until I pay the XXXX that is outstanding. My account was breached and all assets were sold off none of which were authorized. I'm attaching the history of my account for review. 
How do I move forward on getting my assets back or refund what I had invested. Coinbase is absolutely no help.
Consumer complaint received 2020-11-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First National Collection Bureau, Inc. (NY)

First National Collection Bureau , Inc Current Creditor : XXXX XXXX XXXX Original Creditor : XXXX XXXX, XXXX Debt Description : XXXXXXXX Original Account # XXXX Ref # XXXX Total Due : {$27000.00} XX/XX/XXXXThis debt has been disputed for 15+ years complete validations of this alleged debt or any kind of proof bearing my signature, copys of original account statements has been requested by me from XXXX XXXX XX/XX/XXXXXXXX , XXXX XXXX XXXX , XXXX XXXX XXXX ect.ect.ect . by certified mail ( have all the proof ) Check all your files it is all in there, sofar all mine complaint, disputes and request for complete validations have been ignored, also all mine complaints with XX/XX/XXXX, CFPB and FTC. 
Why is First Natinal Collection Bureau , Inc knowing all of this with no proof of any kind trying to collect in behalf of XXXX XXXX XXXX with no proof of any kind ever provided and so did none of the others. 
Your all in violation of the fair debt collection act. The fair credit reporting act.and defamation of charather. 
I demand a immediate respond to my complaint Knowing all of this i will also consult my legal counsil for suit. 
I will also file another complaint with the FTC, XX/XX/XXXX and the Attorney Genral 's office. 
A COMPLETE AND FRAUD
Consumer complaint received 2024-10-16
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: Experian Information Solutions Inc. (FL)

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : * XXXX - XX/XX/XXXX * XXXX XXXX XXXX  - XX/XX/XXXX Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.
Consumer complaint received 2019-10-21
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (NV)

My husband and I submitted an application to refinance our VA loan through XXXX, a mortgage broker, on XX/XX/2019. The broker requested numerous types of documentation which we provided by approximately the middle of XX/XX/2019. Also, I think it's worthwhile to note that our credit scores are in the high 700 's. At some point, we locked in a rate of 2.75 % which expires on XX/XX/2019. 
I'm not sure exactly when the loan was sent to underwriters at Loan Depot,   but there was a conditional approval made on XX/XX/2019. Since that date, we have received one request after another for information. Every week goes by without a closing date and every week there is another request by Loan Depot. Today they said they needed he mortgage statements from our current mortgage holder which originated in XXXX XXXX 'm pretty sure that origination date was readily available to them within our credit report back at the beginning of all of this and had ample opportunity to request that information before now. 
I think that one of two things are happening here : 1. They are dragging out the length of this loan process so that the 2.75 % rate expires or ; 2. They don't have the monies for funding. 
I appreciate your attention to this complaint.
Consumer complaint received 2022-06-15
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account 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
Consumer complaint received 2021-12-23
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

This is XXXX XXXX, who is submitting this CFPB complaint myself. XXXX is reporting late as reported in XXXX. Lets correct this immediately. The Bureau is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX XXXX )
Consumer complaint received 2020-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

On XX/XX/2020, I contacted XXXX XXXX regarding incorrect loan information ( loan status and outstanding balance ) reported to the credit bureaus. I am in a COVID Hardship Forbearance under the Cares Act. I was initially delinquent on my loan but was able to make a payment and became current in XX/XX/2020. Despite the rules regarding credit reporting under the Cares Act ( which they post ) XXXX reported no information for 6 months but in XX/XX/2020 my credit report showed my loan as " Delinquent in Forbearance. '' Additionally, XXXX reported the outstanding balance on my loan as {$450000.00} ( original loan amount is @ {$430000.00} ), despite the fact that my XX/XX/2020 statement reflects I owe @ {$430000.00}. When I asked about the incorrect status, the rep initially denied reporting misinformation to the credit bureaus but then justified it by saying " well you owe - once you are current we will fix it. '' In regards to the incorrect balance, the rep initially said the increased amounts were the missed payments. Once I refuted that as illogical - if you miss a payment the amount owed on the loan does not decrease or increase - she put me on hold. When she returned she said it was " unpaid interest on the missed payments. '' When I rebutted stating interest was already calculated into the missed payments she said, " well once you are current your credit report will reflect the correct amount. '' At no time did the rep offer to review or correct the information - she basically said if you want it fixed get current. This conduct appears to be a blatant effort to illegally penalize consumers for being in a forbearance under the Cares Act. The suggestion that they would only correct the errors if I became current is coercive in nature and borders on extortion. This intentional misreporting also tanked my credit score, which will likely impact the terms of repayment once the forbearance ends. I am concerned this is intentional since the change in reporting happened right before the forbearance ends. I have documents to support the above and XXXX records their calls - so the rep 's statements can be confirmed.
Consumer complaint received 2021-12-23
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)

I have recently noticed fraudulent activity on my credit reports. What I have found has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am trying to get a secret clearance. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please remove.
Consumer complaint received 2020-10-23
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/20 I was a victim of fraud that happened involving my GM Capital One MasterCard. The series of communications that I had with Capital One in the months since the event have been disturbing. Upon my initial call and attempting to explain that I was involved in a  phishing fraud was nearly impossible, as the customer service rep didn't understand what I was trying to state. Nonetheless, he stated that I had, " No worries ; Capital One has a zero liability fraud policy. '' As months went on, Capital One finished their investigation and placed the charge back on my card and said they don't cover that type of fraud. I made numerous calls after that. On XX/XX/20 I spoke to XXXX in the fraud dept. an she stated, " I feel sorry for you but everyone could say they were a victim of this type of fraud and scam our company. '' She basically did not believe me. I was finally able to file a police report when stations opened to the public with limited hours during the midst of covid. I sent the police report, with letter and documents to Capital One in Utah on XX/XX/20. On XX/XX/20 I. followup since I had heard nothing from CO. I then spoke to XXXX - a manager in fraud dept. and she proceeded to tell me, " We don't cover fraud when you assist with it. '' This woman accused me of being involved with a criminal act! She should be relived of her duties. No one going through this should be accessed of theft. She mailed out their fraud policy. Upon my review, and I had already been asked to review the policy in previous calls, NOTHING states this type of fraud is excluded. CO would not even put this balance in a " no interest accruing state '' while the police investigated. XXXX from corporate called me after I emailed their customer complaint center and said, '' Your card has a promotional balance I can give you for 15.7 % but that's the best we can do. '' The detective working on my case spoke to the CO Law enforcement dept. and he said they offered no assistance to resolve this as fraud.
Consumer complaint received 2020-05-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I was on the phone with an Ace Loan Person as they were walking me through the signing process on XX/XX/2020. The contract says XX/XX/2020 which is wrong. I am going through my Documents sent back to me on XX/XX/2020 and they arent matching what I was told or signed off on originally. It doesnt say the APR exactly on the Credit Disclosure Statement it just Annual Percentage Rate Example : 568.39 % the CSO fee XXXX and the interest of {$18.00} for example. I went to compare my documents and it has for example : 469.10 % cso fee {$1300.00} interest of {$20.00} you get to the MP on the documents and it says XXXX is the actual percentage rate and the their numbers for example arent adding up and are very misleading if they are just for example. In the first forms they arent giving you the real on their loans. Its for example and you are being mislead by what you really will be paying. I even asked the guy who I talked to on the phone my monthly payments and asked questions and he was misleading. He never mentioned the APR exactly. He never explained the ridiculous fees. They need to be upfront exactly about what youll be paying and better people over their phone line with explanation.
Consumer complaint received 2020-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL (OH)

SYNCB/OLD NAVY HAVE AN ACCOUNT LISTED ON MY TRADE LINES ( XXXX ) THIS ACCOUNT CLOSED OUT IN XXXX AND THIS HAS CURRENTLY BEEN REPORTED 120 DAYS LATE IN XXXX WHICH IS IMPOSSIBLE BECAUSE THE ACCOUNT HAS BEEN CLOSED OUT. THIS IS INACCURATE INFORMATION AND SHOULD HAVE BEEN REPORTING ON MY TRADELINES.
Consumer complaint received 2020-11-12
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. (DC)

On XX/XX/2020, I contacted XXXX Loans regarding incorrect loan information ( loan status and outstanding balance ) reported to the credit bureaus. I am in a COVID Hardship Forbearance under the Cares Act. I was initially delinquent on my loan but was able to make a payment and became current in XX/XX/2020. Despite the rules regarding credit reporting under the Cares Act ( which they post ) XXXX reported no information for 6 months but in XX/XX/2020 my credit report showed my loan as " Delinquent in Forbearance. '' Additionally, XXXX reported the outstanding balance on my loan as {$450000.00} ( original loan amount is @ {$430000.00} ), despite the fact that my XX/XX/2020 statement reflects I owe @ {$430000.00}. When I asked about the incorrect status, the rep initially denied reporting misinformation to the credit bureaus but then justified it by saying " well you owe - once you are current we will fix it. '' In regards to the incorrect balance, the rep initially said the increased amounts were the missed payments. Once I refuted that as illogical - if you miss a payment the amount owed on the loan does not decrease or increase - she put me on hold. When she returned she said it was " unpaid interest on the missed payments. '' When I rebutted stating interest was already calculated into the missed payments she said, " well once you are current your credit report will reflect the correct amount. '' At no time did the rep offer to review or correct the information - she basically said if you want it fixed get current. This conduct appears to be a blatant effort to illegally penalize consumers for being in a forbearance under the Cares Act. The suggestion that they would only correct the errors if I became current is coercive in nature and borders on extortion. This intentional misreporting also tanked my credit score, which will likely impact the terms of repayment once the forbearance ends. I am concerned this is intentional since the change in reporting happened right before the forbearance ends. I have documents to support the above and XXXX records their calls - so the rep 's statements can be confirmed.
Consumer complaint received 2020-11-12
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. (AL)

I recently sent letters over 60 days ago to this bureaus and they are disregarding a regular consumer disputes. I am very stressed and have been sending letters before this and still haven't gotten a response.
Consumer complaint received 2021-04-05
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: MVBA, L.L.C. (VA)

I received an unsolicited text message from ( XXXX XXXX XXXX. The sender represented themselves as being from MVBA and working with several cities and courts in the State of Texas. I am attaching a copy of the text message which appears to be attempting to contact a XXXX XXXX XXXX. That is not me and I have no idea who it is. I do use ID protection software, and have received notifications that associate my phone number with this individual in XXXX VA. 

I called the XXXX number listed in the text message, but no one answers.
Consumer complaint received 2022-06-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc (CA)

We received an email on XX/XX/XXXX that a dispute to the loan we secured with Affirm.com had been denied. However, we immediately notified Affirm that we did not make any such dispute. They responded more than XXXX weeks later on XX/XX/XXXX that said no unauthorized activity had occurred ( which is not true - a dispute was filed ) and they had restricted our account so that we would not be able to take out any other loans. It is completely unacceptable for us to notify a company of unauthorized activity ( as any responsible consumer should do ) only to be responded to by the company calling us liars and restricting our account to deny any future loans.
Consumer complaint received 2024-09-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (IA)

On XX/XX/24 I had not gotten my mortgage statement and did not want to be late on XXXX payment so I called XXXX and XXXX for payment address was given XXXX XXXX address. On XX/XX/24 morgage statement came due on XX/XX/24 I thought by law you were to have it XXXX weeks before due date plus it was holiday weekend. When I seen it was suppose to go to Texas I called and stated I was given wrong mailing address on recorded line and statement arrived on XX/XX/24 was told yes they were late I asked if they would credit the stop payment due to the wrong address they couldnt comment to it. I mailed new check. My Bank is showing funds transferred XX/XX/24. I get letter XX/XX/24 from XXXX stating I was late and chg {$20.00} and would be turnover to credit agency XX/XX/24 if payment was not there. By I called XXXX and payment has not credited yet and funds in there hands XX/XX/24. I always pay extra {$100.00} for principal.
Consumer complaint received 2023-02-01
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2020-11-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX  , IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX {$5800.00} XXXX  XXXX XXXX {$3800.00} XXXX & XXXX XXXX XXXX XXXX {$830.00} XXXX & XXXX XXXX XXXX {$5200.00} XXXX XXXX XXXX XXXX XXXX  XXXX {$5000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$51.00} XXXX XXXX XXXX XXXX XXXX {$310000.00}. 

Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report. 
FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.