davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

Tried to make a transaction to buy concert tickets.. Never received tickets to XXXX  account.. the fraudulent party then blocked my number.

Called Chase Bank as transaction still showed pending.. Chase said it was to late and money had been sent. There were no disclaimers on the site that said transaction was immediate.. only if both had a XXXX account which gave me comfort that there would be a hold.. not the case..
Consumer complaint received 2019-02-18
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: SYNCHRONY FINANCIAL (AR)

Lowes Home Improvement, managed by Synchrony Financial, automatically lowered my score based on some faulty algorithm. I had a credit limit of {$8100.00} & because I was nine days late on my payment they erased my credit limit. 

Thus, the decrease in the availability of credit, in turn, also decreased my credit scrore negatively. They are unreasonable & blame it on the credit bureaus. I spoke with Manager, XXXX # XXXX & Operations Manager, XXXX # XXXX to no avail. Horrible business practice by Synchrony & Lowes.  I have been a customer since 2015.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

I pulled a copy of my Experian credit report and after reviewing the information, I noticed that Experian have a bankruptcy listed on my credit report. This information was placed on my credit report in XX/XX/2018, and have been on my file since then. I have disputed this information with Experian to get no response, or just completely ignore the fact that the information, is incorrect. Experian is in violation of Public Law XXXX, Findings, and Purpose -607.B Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a The Bankruptcy Court has no interaction with credit bureaus, including XXXX, XXXX, and Experian XXXX The Bankruptcy Court does not report information regarding bankruptcy cases to credit bureaus and does not verify the accuracy of information regarding bankruptcy cases held by credit bureaus.
Consumer complaint received 2021-01-22
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. (IL)

This is not a duplication of case number XXXX. This complaint has new information. 

I am following up on complaint number XXXX. My initial complaint was reviewed by Chase, and in its summary report, the credit card company stated that the money charged to my credit card for a service I never received was in hands of XXXX XXXX. Chase didn't help me with getting that money back from XXXX XXXX. I've tried calling them a few times, being sent to a voicemail each time I called the agent who worked on my case. I then called XXXX XXXX to request the refund for the flight reservations. The Customer Relations agent stated that since I purchased the tickets through XXXX, the money should be refunded by the agency. ( attached a screenshot from that email ) I then called XXXX. After looking into my reservation, the XXXX agent told me that the agency sends money to the airlines after holiding it for only 24 hours, and that now the money is with the airline. ( attached a screenshot from that email ). I then contacted the XXXX XXXX Customer Relations department once more. The lady I spoke with said that she only sees the original charge and the chargeback on my reservation. She said that the money Chase claims XXXX XXXX received on XX/XX/2020, was never posted to the reservation, which was the reason for the cancelation of the service. She said to contact Chase and ask for a tracking number of the rebill transaction. I tried calling Chase, but I never received a callback. At this point, I have all three parties, Chase, XXXX XXXX, and XXXX pointing at each other and saying the other party has the money and should refund it to my account. All I know is that I was charged {$380.00} for a booking that was canceled and for a flight that never took place, as XXXX XXXX canceled that flight. The travel party I was going to travel with received their refund within a week, I have been trying to since XXXX of last year. Can you please help with locating this money? Who has it and why no one owns up to it and won't refund it to my credit card? It is not only illegal but also morally not right to be charged for a service that never took place.
Consumer complaint received 2021-01-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc. (IA)

EOSCCA claims on my credit report that I opened my account Opened XX/XX/XXXX ( 2 yrs, 5 mos ) account has continuously been re aged to stay on my credit report. the account was opened XX/XX/XXXX company kept claiming my bills weren't being paid so I went to a new wireless provider a couple months later. I had my final straw when the company and made two large payments at the XXXX XXXX  location with the manager who claimed {$180.00} payment from my card would pay off the phone so that I could close out the account. I was asked to register for a new account online which did not reflect the amount I made at the XXXX XXXX  store because I used a different email address then the one they assigned to my phone automatically. The stores were independently own so records were never accurate. which forced me to close the account because I was constantly receiving notifications I had not made payments and each month the charges were in excess of XXXX for a phone that had a {$50.00} phone plane. I've made several attempts to ask the account to be accurately aged. I provided them receipt numbers for the receipts I do have still in my possession.
Consumer complaint received 2019-02-18
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MoneyLion Inc. (TX)

My spouse who I am separated with was contacted by a company on XX/XX/2019 claiming to be a mediation company by the name of XXXX XXXX. They told me that a company that I had previously taking a loan out from called Money Lion was using them for mediation services, and that they were going to take me to court and sue me. They wanted me to verify the last four of my Social Security number which I refused, and also ask them for the companies address, which they refused to verify to me. They told me that that was for {$780.00} plus the legal fees would make the debt total {$1500.00} that I needed to pay To them. I told him no, and I hung up the phone. On XX/XX/2019, they contacted me again threatening to send a citation to my home for me to go to court and that my lawyer needed to contact them. Again, I asked him to give me their name and address, whichThe woman got irate with me over the phone and I hung up. Today on XX/XX/2019, they contacted my husband again and left him an automated voicemail saying that this was their final attempt to contact me. I called them back, and again they can not verify my address only my email address. This time, they told me that I need to set up an arrangement With them, and the name of their company was XXXX. This time instead of {$1500.00}, they said that I Needed to set up a payment arrangement with themFor {$780.00} plus a fee of {$250.00} and if I did not, they were going to send a citation to my home Within 48 hours.The number that they have repeatedly left on these voicemails to call has been XXXX XXXX
Consumer complaint received 2021-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (NJ)

In Regards to XX/XX/2021 Response to Complaint # XXXX XXXX XXXX from Executive Office of Customer Advocacy is a fabricator. Recognize that he dodged the parts I mentioned about how all phone calls are monitored and recorded. He did not address that and would not provide the CFPB or me with all the phone calls that took place starting the Tuesday before XXXX up until a month ago. That is because it would work against everything XXXX XXXX stated. Not sure where he's getting the initial amounts of {$1600.00} and {$2300.00}. There were two ACH payment requests put into the system on XX/XX/XXXX and XXXX -- one for {$680.00} and the other for {$610.00}. The agent on the XXXX requested the second amount in addition to the first because the agent from the XXXX requested the wrong amount. And instead of having two ACH payment requests, she cancelled out the first and just put in one request for {$1300.00}. The two amounts of over {$300.00} that I later received in the form of checks had nothing to do with that amount. They were for other credits that had been applied to my account after the fact. His response to your agency will be used in my supporting documentation in my lawsuit against them. The judge will order them to present all the phone calls, which will prove and confirm XXXX XXXX is a liar ... 

Again -- No need for Company to respond.
Consumer complaint received 2021-01-23
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. (FL)

I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.
Consumer complaint received 2019-02-19
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: M&T BANK CORPORATION (NY)

On XX/XX/19 I went through the drive through service at M & T Banks XXXX  and XXXX Branch and submitted a check number XXXX for my checking account ending in XXXX for {$940.00} and a deposit slip for {$840.00} of this money to be deposited in cash into my checking account ending in XXXX and when I received the receipt from teller Ms. XXXX XXXX my {$840.00} was not made available to me when I asked that the funds be made available she stated that she couldn't and stated her boss Mr. XXXX XXXX agreed. So I went inside the bank and her boss reiterated this to me stating this was the banks procedure that I had to wait until midnight to have access to my money. So I told him this was not correct and asked for all my paperwork back and told him I would take the transaction to the XXXX and XXXX Branch where I opened up the accounts. Mr. XXXX then said he would sign the check to give Ms. XXXX the ok this time but in the future I would have to wait until midnight to gain access to my money. When I contacted the XXXX branch I was told by Ms. XXXX that the Branch Manager Ms. XXXX XXXX was not available but I could write to the Regional Manager Mr. XXXX XXXX and Ms. XXXX would forward the letter to him via email and she said she did not have any other contact information to give me on Mr . XXXX. On XX/XX/19 I wrote the letter to Mr . XXXX   which was emailed to him by the XXXX Branch and to date I have not heard from him, although Ms. XXXX said the letter was emailed to him and a copy was sent to Ms XXXX. I also sent a message to customer service on XX/XX/19 and it was deleted from the system, I also spoke with Ms. XXXX a supervisor at the Customer Service department and she was very sympathetic but limited as to what she could do other than document my concerns and maybe someone would call me. I am very concerned that I am being denied access to my money and no one seems to care for today this issue has not been addressed so I would appreciate your help in correcting this matter so that I can go to this branch which is very near my home and make these transactions so that I have access to my money, which I always had in the past even at this location.
Consumer complaint received 2023-01-04
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. (IL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2023-01-04
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. (NV)

Please be advised this is my FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. Despite three previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

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 ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX XXXX XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-03
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. (GA)

Hello, I have reached out to experian several times about XXXX XXXX XXXX. this account has disputed SEVERAL TIMES and each time, XXXX XXXX mail a letter saying dispute the item. Which I keep doing. Never have they sent verification so I have no clue how they keep veryfying with the credit bureau. please have experian delete this account asap. i have kept the letters along with the envelopes they have sent. XXXX and XXXX has already deleted these items and I need XXXX to do the same. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2019-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MD)

WHAT HAPPENED. In XX/XX/2018 I submitted an FTC Identity Theft Report to Equifax, XXXX, and XXXX. In the Report, I stated that someone had used one of my former addresses to fraudulently obtain a credit card in my name. As a result, Equifax ( but not XXXX or XXXX ) removed all of my former addresses from my credit report. Equifax confirms that the FTC Report was the reason they removed all my former addresses. 

MY COMPLAINT. I want to be very clear about my complaint. My complaint is NOT that Equifax deleted all the addresses, rather than just the one that was fraudulently used. Rather, my complaint is that Equifax deleted ANY of my former addresses. That a correct former address was, or may have been, fraudulently used in the commission of an identity theft is no grounds whatsoever for removing that address from the customers credit report unless the customer specifically requests that it be removed. In my FTC report, I did not in any way request that any of my addresses be removed. 

WHY THIS IS IMPORTANT. The removal of my addresses poses a real problem for me. I am applying for a mortgage and therefore need to establish at least a two-year history of my residence. Because I have lived at my current address for only about five months, I need my credit reports to include my former addresses. 

HOW I TRIED TO RESOLVE THE PROBLEM. Equifax told me that the only way I can restore the former addresses is to have one of my current creditors report my former addresses to Equifax. That will not work in my case. I have only one current creditor. That creditor they told me that they do not normally report former addresses to the credit bureaus, and that it would be a violation of federal law for them to offer a service to one customer that is not offered to all. 

THE PROBLEM IS ONE OF EQUIFAX POLICY. The problem I encountered at Equifax is not a processing error. The Equifax fraud department told me that what happened here was the result of a general Equifax POLICY. According to that policy, whenever it is reported in an FTC Identity Theft Report, or in a police report, that a former address was used in the commission of an identity theft, Equifax removes that address from the customers record at Equifax.
Consumer complaint received 2019-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BTH Management (WV)

My XXXX  credit report shows a collection agency - XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, ( XXXX ) XXXX opened a collection account for the amount of {$440.00} on XX/XX/2018 from an original creditor - XXXX XXXX XXXX. 
I have disputed this with Transunion on XX/XX/2018. 
This account does not belong to me and I have requested XXXX   to remove it from my account. They have not done this. I researched XXXX XXXX and have found this is a scam company. 
I do not recognize this creditor nor have I taken a loan from XXXX XXXX XXXX on XX/XX/2018. 
The collection agency never contacted me, nor has XXXX XXXX XXXX to prove that this is mine. 
Please help me to remove this from my credit report.
Consumer complaint received 2021-01-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC (CA)

The original debtor is XXXX XXXX XXXX. I contacted XXXX XXXX XXXX last year on XX/XX/2020 to cancel my wireless service to switch to XXXX. I was told to pay {$800.00} by XXXX XXXX XXXX to unlock the phone and settle the final bill. I paid the {$800.00}, and requested to cancel and Immediately discontinue wireless service as of XXXX XXXX. XXXX XXXX XXXX explained that it would take several days before they could close out my wireless account to make certain that my {$800.00} payment would go through, however on XXXX XXXX XXXX XXXX XXXX 's internal auto paid ( overcharged ) and billed me for wireless service {$73.00}. 

*** See attached XXXX bill as proof that XXXX had control of my wireless account as of XX/XX/2020, but XXXX XXXX XXXX charged me regardless*** I called XXXX XXXX XXXX on many occasions to reverse the charge. I had signed up for XXXX XXXX XXXX auto billing and they had taken the {$73.00} without permission on XXXX XX/XX/2020. After Speaking to several very confused XXXX XXXX XXXX customer service reps to correct the overcharge, who couldn't explain or understand the overcharge, I had no choice but to contact my bank to reverse the overcharge. XXXX XXXX XXXX SAYS MY CREDIT CARD WAS REJECTED WHICH IS NOT CORRECT. I INSTRUCTED MY BANK TO REVERSE THE CHARGES DUE TO THE XXXX XXXX XXXX SYSTEM AUTO PAY OVERCHARGE. 

XXXX XXXX XXXX claims this charge is for internet ( XXXX ) which is listed in XXXX XXXX XXXX  systems internally and incorrectly. I cancelled my XXXX Internet service with XXXX XXXX XXXX in XX/XX/2020, four months prior to XX/XX/XXXX. XXXX was intertwined with my wireless service as a bundle promotion, which is the core issue with their billing algorithms and system. 

*** See Attached XXXX XXXX XXXX bills showing that my home Internet service was not with XXXX XXXX XXXX in XXXX XXXX The bottom line is XXXX  XXXX XXXX has listed this account incorrectly and has over billed me. No further bill should had been generated. I owe nothing, but the debt was sent to the collection agency ( MRS BPO ) nonetheless.