davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-09
Product: Credit 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. (MI)

Hello. I am hoping that you can please help me with this issue. Long story short. On XX/XX/2023 at XXXX pm my XXXX account was hacked. Hacker stated that prior orders were not received. Hacker requested {$100.00} worth of gift cards. Hacker than purchased XXXX on XXXX XXXX XXXX. XX/XX/2023 Hacker purchased a computer monitor amount {$150.00} on my credit card to be shipped to my previous address where my mother currently lives. On XX/XX/2023 Hacker purchased {$190.00} worth of batteries on my card to once again be shipped to my previous address. Each time there was suspicious activity I called XXXX to report the situation and also called Chase to report the situation. I did everything they asked of me. I thought everything was taken care of until the fraudulent charges amounts {$150.00} and {$190.00} showed up on my bank statement again. Sense than I have spend hours on the phone between Chase and XXXX. I have provided chase with everything theyve asked including my phone records with XXXX and Chase, an XXXX complaint form with the FBI, all of my recorded calls with XXXX, a XXXX page document of fraudulent statements in which the hacker was impersonating me and messaging the XXXX bot about the fraudulent orders they made, and all of purchases made with XXXX in the past 2 years. This has been a complete nightmare that Ive been dealing with for almost three months. I even went into a Chase branch to back on XX/XX/2023 to talk to someone and they still didnt seem to have an solution. Today XX/XX/2023 I was finally able to talk to a Chase representative who seemed to be able to help and during a XXXX way call with the Chase representative and XXXX representative the Chase representative hung up in the middle of the call and didnt call back. I feel like these two companies are spinning me in circles always leading back to me being responsible something I didnt do. I wish they would do whatever research thats involved in a hacking situation correctly. I dont know how many more times I can tell them I was hacked. With 3 months going by and these amounts still being on my account it is now also impacting my credit scorXXXX. I really dont know what else I can do.
Consumer complaint received 2024-01-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NY)

I am a class member of the XXXXXXXX XXXX XXXXXXXX settlement. My student loans are in process of being discharged. Under the settlement agreement class members are to remain in Administrative Forbearance till the loans are discharged. 

DOE has sent me emails and letters to Mohela on at least 2 occasions to keep me, as well as other class members, on admin forbearance. Mohela now going on the third time has removed and put me into repayment. They in fact put me into repayment again on XX/XX/XXXX with a due date of XX/XX/XXXX. Not only is this a violation of the settlement, but servicers are required to provide 21 days to even bill- which this in violation of on both accounts. 

Ok all occasions Ive had to call Mohela and talk to customer service who lack all knowledge and state DOE sent letter to take me off. Never have they provided me this letter, and when I reach out to DOE they state thats not true and Im to remain on forebearance till discharge - DOE have sent 2 letters to Mohela stating to put me back in. Im tired of fighting with these idiots at this point. 

Mohela had done this to others in the lawsuit as well. Mohela had already been fined {$7.00} million for improperly billing and also putting people in repayment that should not be. They are again doing the same thing. 

At this point, if not resolved for me, and other class members, we will seek a class action lawsuit against Mohela and DOE in violation of XXXX XXXX XXXXXXXX settlement- I suggest Mohela out me into Admin Forbearance immediately before it costs a lot of money to your company for violation of a federal class action lawsuit. 

If this isnt rectified I will contact an attorney and led a class action against Mohela for violations of a settlement agreement.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

XXXX is violating the following laws : 15 U.S.C. 1681 - Accuracy and fairness of credit reporting 15 US Code 1679 You have the right to dispute inaccurate information on your credit reporting.The credit bureau must remove inaccurate or incomplete information. 

Portfolio Recovery Associates could not validate the debt on my report. https : //www.consumerfinance.govXXXX I have written and asked multiple times to XXXX to remove inaccurate information to no avail this has cost me employment and bad credit rating. 

FCRA code 623 ( a ) ( 1 ) ( B ). If a consumer notifies furnisher and disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information. 

XXXX is illegally reporting unverified information on credit reports, and will not remove the Portfolio Recovery from my credit report. 

15 US Code 1681s-2 A person shall not furnish any information relating to a consumer to a consumer reporting agency if knows or has reasonable cause to believe the information is inaccurate. The debt by Portfolio Recovery could not be validated and therefore the information is in fact inaccurate.
Consumer complaint received 2024-01-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Credit Services Inc. (OH)

In XXXX, 2020 I called XXXX XXXX, XXXX, XXXX  to cancel my membership due to the fact I had XXXX  and suffered XXXX XXXX XXXX and unable to work much less work out. I went to the gym and they were closed so I had to phone them for immediate cancellation of my membership, which the manager on phone duty assured me the account was cancelled. I began noticing ongoing withdrawls from my bank account and continued to call and email ( emails attached to this complaint ) during these last phone calls/emails I was assured by XXXX XXXX XXXXhat my account was canceled and there would be no further activity against my bank although they refused to refund me for the past 3 years of billing. Needless to say, the continued to take funds from my account at which time I contacted my bank which also got involved and canceled all my debit cards to stop the illegal withdrawls per my email demands for cancellation. I have now received collections against my credit report dropping my score XXXX points for a fraudulent charge and they refuse to remove it. I have also reported to the Ohio Attorney General. Please remove this and refund the past 3 years of illegal charges in the amount of {$29.00} for 36 months in the amount of XXXX of illegal, unauthorized and fraudulent charges against my bank account after knowingly accepting my cancellation demand.
Consumer complaint received 2024-01-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (HI)

I received a call on XX/XX/XXXX  that my XXXX payment had not been made. I was instructed to go to the website and upload proof of payment. I received other calls and letters and told them that I provided proof of payment. The website doesn't show any of the messages that I sent. I did a screenshot of the last message that I sent today, as Shellpoint chooses to not show messages that are sent on their website. I have requested copies of the messages that I sent. I sent a letter dated XX/XX/XXXX  with proof of payment. Today I received a letter saying that the delays are due to me sending the payment to the wrong address. This is a lie. My payments are all electronic and a copy of the payments from my banks website show this. 

I am attaching a file with my recent correspondence. 
Thank you, XXXX
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TD BANK US HOLDING COMPANY (TX)

The account XXXX XXXX was to be removed from my credit report after it was paid satisfactorily. Furthermore, this is not my account, I was merely an authorized user on the account. My husband has since paid the account off and this was removed from his credit report, so I am confused as to why the agreement to remove it from my consumer report has not been honored. I am requesting that this account be removed from my credit report. Please advise when this change has been made.
Consumer complaint received 2023-12-26
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AutoNation Enterprises Incorporated (CA)

I recently obtained my credit reports from all three major credit bureaus, and I noticed that the information regarding the late payment on the aforementioned account is inconsistent among them. Both XXXX and XXXX have already updated their reporting to reflect the accurate status of the account, removing late payments. However, your bureau continues to report an inaccurate late payment. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 
CIG FINCL XXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I understand that credit reporting agencies are obligated to provide accurate and up-to-date information. Inconsistencies such as this can have a significant impact on my credit score and financial well-being. Given that the other two credit bureaus have already rectified this error and updated their reporting, I kindly request that you follow suit and correct the information on my credit report to accurately reflect the status of the account.
Consumer complaint received 2024-01-09
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. (TX)

I am writing to express my deep concern and frustration regarding the multiple unsuccessful attempts to remove fraudulent items from my account with Cewdit Bureaus. Despite my consistent efforts to report and rectify these unauthorized transactions, the issue persists, causing significant distress and inconvenience. 

I discovered unauthorized transactions on my account, indicating fraudulent activity. Immediately, I contacted your customer service department to report the issue and initiated the necessary procedures to resolve the matter. 

Since then, I have made numerous calls, submitted written requests, and provided all the required documentation to support the investigation and removal of the fraudulent items. Unfortunately, despite these efforts, the unauthorized transactions continue to impact my account. 

I have attached a detailed timeline of my interactions with your institution, including reference numbers and specifics of each attempt made to address this matter. I request that you thoroughly review this information and take immediate action to rectify the situation. 

The lack of resolution in this matter is causing financial strain and emotional distress. As a victim of fraud, I expected a more expedited and efficient response from your institution to safeguard my account and address the unauthorized transactions promptly. 

I urge you to conduct a thorough investigation into the matter, remove the fraudulent items from my account, and take necessary measures to prevent any further unauthorized activity. Additionally, I request clear communication on the progress of the investigation and the steps being taken to resolve this issue. 

If my concerns are not addressed within the exact timeframe from the date of this letter, I will be compelled to escalate this matter to regulatory authorities and consider legal action to protect my rights as a customer. I am asking for your assistance to remove these fraudulent items in my credit file XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$2200.00XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX Balance {$240.00} XXXX XXXX XXXXXXXX XXXX  Balance : {$680.00} XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-26
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. (FL)

In XXXX of XXXX, Equifax announced it experienced a data breach, which impacted the personal information of approximately XXXX XXXX people. My information was sold and brought illegally because I was a victim of the Equifax data breach. 

Equifax Data Breach Settlement ID # XXXX
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (MD)

XX/XX/2023 American Express XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX To whom it may concern : Per The Fair Credit Reporting Act, as a Federally protected consumer I am now opting out of any and all authorization, I, the consumer may have inadvertently given you written, unwritten, verbal and non-verbal, per 15 USC 6802.

Per 12 CFR 1016.7, states that, A consumer may exercise the right to opt out at any time. 

I am opting out of your reporting services to XXXX, XXXX and XXXX. 


XXXX, XXXX XXXX XXXX for XXXX XXXX XXXX
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX Dear CFBP & EQUIFAX, It has been over 90 days since I made my initial dispute against the fraudulent Late Payment notations on a few accounts on my XXXX credit report that are incomplete and inaccurate which are a violation 15 USC 1681e ( b ). 

You also violated 15 USC 1681s-2 ( a ) & ( b ). 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ) Any person who fails to fix this matter will be held liable under 15 USC 1681n which is civil liability for willful noncompliance. 
Accounts list XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX ( Fraudulent inaccurate unverified late payments ), delete late payments or entire account expeditiously because it directly violates 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ) XXXX. XXXXXXXX XXXX Account # XXXX ( Fraudulent inaccurate unverified late payments ), delete these fraudulent late payments from account or delete account expeditiously because it directly violates 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ) Furthermore, I want to formally report that my identity was compromised because of the well-documented Equifax data breach. Attached are my credit report and the necessary documentation from Equifax confirming the theft of my personal information and their subsequent action to remove all fraudulent and inaccurate accounts from my credit report. I respectfully request that similar measures be taken by XXXX and XXXX to ensure the accuracy and integrity of my credit information. This request is in alignment with the Fair Credit Reporting Act ( FCRA ), particularly Section 609 ( e ), which mandates that credit reporting agencies must take swift action to rectify inaccurate or fraudulent information resulting from identity theft. Furthermore, the precedent set in the case of [ relevant case law ], supports the immediate rectification of such errors to uphold consumer rights under federal law. '' Once you have deleted the accounts from my credit report, please send me a copy of my updated report. 
Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-09
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. (TX)

Inquiry Type : Company : XXXX inquiry date XXXX I do not recognize this account nor did I authorize this company to run my credit report Company : XXXX XXXX inquiry date XXXX I do not recognize this account nor did I authorize this company to run my credit report Company : XXXXXXXX XXXX XXXXXXXX inquiry date XXXX I do not recognize this account nor did I authorize this company to run my credit report Company : XXXXXXXX XXXX XXXXXXXX inquiry date XXXX I do not recognize this account nor did I authorize this company to run my credit report
Consumer complaint received 2024-01-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (IA)

My account was hacked on XX/XX/2023. 4 unauthorized transactions happened. The amounts were for {$140.00}, {$150.00}, {$49.00} and {$29.00}. 
I called them while the transactions were pending so they could stop payment. They told me they would so I waited a week and called back to check on the progress. Within 24 hours they dismissed my claim saying they could not find anything fraudulent, even though I had specified that they needed to stop those payments. They said it would take 30 business days for the money to get back into the account. So I checked off and on until today. I tried to find a number to call in order to see what was going on with my account and why the money had not been put back in. I could not find it on the chime app and looked it up online. Once I called the number I spoke with a man who asked a few questions. He had me download the XXXX app so he could mirror my phones screen. After walking me through everything and telling me I had to follow a few steps, he ended up stealing {$1100.00} out of my account. Leaving me with XXXX cents. The phone call dropped with him so I immediately disputed the transaction he had made and was able to call through the app finally. They told me that they would investigate the claim of hacking. While on this call was when I learned that the first 4 claims were denied and that most likely they would not be able to get my money back.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

The following addresses are not associated with me, and should be removed from all three credit reports. I informed all three credit bureaus to correct this, but it still shows on my report XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NJ XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX Ss # XXXX XXXX XXXX XXXX XXXX XXXX Fl. XXXX I requested my credit report from Equifax and found an open collection account by a Company called XXXX in the amount of {$5200.00}. I do not have an open account/contract with this company and this information should not be on my credit report. I have requested for this account be removed off my credit report due to the information being inaccurate and is hurting my credit score. The account # on my Equifax XXXX. This account is only listed on my Equifax account not the other two creditors. I am requesting this account to be removed immediately.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Dear CAPITAL ONE, I hope this letter finds you well. I am writing to exercise my rights as a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), specifically citing 15 U.S. Code 6802. As such, I hereby formally opt out of any and all authorizations, whether written, unwritten, verbal, or nonverbal, that I, the consumer, may have previously provided to your agency. 
It is my right as a consumer, protected under federal law, to opt out of authorizations regarding the reporting or disclosure of my information to any third parties. I am requesting immediate action to ensure that any previously provided authorizations are revoked and no longer considered valid for reporting or disclosing my information. 
This request includes, but is not limited to, any previous authorizations given for the reporting of personal, financial, or credit-related information to any entities or third parties. 
I expect your agency to promptly update its records to reflect my decision to opt out of these authorizations in accordance with the FCRA and federal consumer protection laws. 
Please confirm in writing that my request has been received and actioned accordingly. I understand that federal law allows for a reasonable period to process and implement these changes. 
Your cooperation and timely response to this request are greatly appreciated. If any further information or clarification is required, please do not hesitate to contact me at XXXX or via email at XXXX Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-01-07
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. (TX)

I am not liable for this debt with XXXX XXXX XXXX XXXX for {$2400.00}. I do not have a contract with XXXX XXXX XXXX XXXX XXXX XXXX, and they did not provide me with the original contract as requested. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company has no permission to report anything using my personal information pursuant to 15 USC 1681 4.