davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-03
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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (MI)

In early XXXX, I noticed a discrepancy on my credit reports for a home equity loan that I have with Chase Bank ( # ending in XXXX ) even though my credit report on my XXXX showed a satisfactory payment history, when I looked at the posted payments for each month, there was a discrepancy between the amount posted as paid vs the actual amount paid on that particular month ( as shown on the credit reports. ) In those cases where an amount paid was incorrect/different than what appeared the Chase record vs. what appeared on my credit report ( i.e., showed as less than was actually paid for several months. ) Chase asked me to fax them copies of my payment records and I did send them bank records to support my claim that a specific amount was paid on each of the contested months. I got a response from Chase Executive Offices and Chase confirmed that their records are in agreement with my records. At that point, Chase said that there is nothing they can do since their records of payment agree with the customer records of payment and Chase advised that I get in touch with the three credit bureaus. 
I contacted each of the three credit bureaus and they offered to pursue a dispute, but they also informed that they get their info from Chase which basically put me in the middle of a Catch-22 finger pointing situation between Chase and the credit reporting agencies. Rather than continue, I just dropped the matter since my overall payment record with Chase was satisfactory. In XX/XX/XXXX, I informed all three credit reporting agencies that I want all consumer disputes removed from all my credit reports because they are interfering with refi loan processing via another lender. The credit reporting agencies removed all disputes. On XX/XX/XXXX, one of my credit monitoring services informed that Chase added the following remark concerning my HELOC with them : " Between XX/XX/XXXX and XX/XX/XXXX the following remark was added to this account : Consumer disputes - reinvestigation in progress. '' There is no pending dispute and I want the new remark entry removed immediately to avoid further processing problems with my refi application with another lender. Why Chase added this dispute remark months after doing nothing on the issue is beyond me, but I want the remark removed NOW! XXXX  XX/XX/XXXX
Consumer complaint received 2016-07-07
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Debt Recovery Solutions, LLC (CO)

I am getting charged for something i knew nothing about, i contacted the debt company the first time to get it removed they did and now it is back on my credit. The representative was very rude when talking to me and said there was nothing she could do to help me.
Consumer complaint received 2024-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (TX)

Opened a credit card with Frontier Airline during the flight. I was told that I am going to get 0 % for purchases for first 15 months if I open the credit card today during flight as a special incentive. When I got approved through Barclays Frontier Airline card. I was not charged interest for the first two months and third month they started charging me for interest. Now after filing a case with Barclays Bank they are not ready to help. Their outsourced call center not willing to help and neither giving any support so I can furnish a contact with US compliance team. They are denying the fact we can't do anything about it. Kindly help
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX  - Account Number XXXX XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account XXXX : XXXX  - Account Number : XXXX Account Name : XXXX  XXXX  - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : ( Original Creditor XXXX XXXX  ) - Account Number : XXXX Unauthorized inquiries : XXXXXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2016-09-08
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Medical Society Business Services, Inc. (AZ)

I received a call regarding an amount due from a emergency room visit XXXX/XXXX/XXXX in XXXX XXXX. I was fully covered by insurance at the time of the visit, however since treatment records were not submitted to the insurance company as requested multiple times the claim was never paid. After three months of attempting to get the documentation sent to the insurance company the office has been uncooperative and has not sent the information so the claim can be paid out however is still threatening negative impact on my credit. The insurance requested information several times, the most recent on XXXX/XXXX/XXXX and received no response or compliance to request.
Consumer complaint received 2024-10-10
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. (MO)

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX Date of Birth : XX/XX/XXXX SSN : XXXX To Whom it May Concern, I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXX : XXXX  XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and creditworthiness. 

Please reinvestigate this matter and delete or correct the disputed information as soon as possible. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-05-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I have disputed unauthorized hard inquiries on my credit report. I was told that they will conduct investigation. It has been over three months since my first dispute letter, I have not provided any record evidence of " permissible purpose '' despite me requesting that multiple times. 
These wrong inquires have significantly affected my credit score and my ability to obtain new credit. Especially in this tough time of COVID pandemic, it has created excessive stress on me and my family both financial and emotional. 
I have to report this matter to CFPB, Attorney General and Consumer Advocates ( XXXX XXXX XXXX, XXXX ) after persistent non compliance from the credit bureau.
Consumer complaint received 2016-12-14
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

after, my initial complaint with Bank Of America ( case # XXXX ) i decided to close my checking and savings accounts with them. I went to the bank on XX/XX/XXXX at approximately XXXX for that purpose. 
I spoke with the representative about my request ... ASKED HER SPECIFICALLY to make sure my last 2 checks had cleared ( 1 of which was written to XXXX mortgage company for payment ) she stated they both HAD CLEARED ..so I then initiated the paperwork to close the 2 accounts ... i was given the funds from those accounts and i left .the bank. 
4 days later I received a notice from Bank of America, stating that my check to XXXX had been processed, apparently on the EXACT SAME DAY I CLOSED THE ACCOUNTS XX/XX/2016 ) ... .and it was " denied " for insufficient funds ..that was my MORTAGE payment which was written and mailed on the XX/XX/XXXX!!!! how could that happen when the representative told me it had in fact cleared and why did it take 6 days for BANK OF AMERICA to process ... ..it appears to me the timing is off on this SCENERIO ... if i was told it had cleared on the very day i was in there ... how could BANK OF AMERICA NOT HAVE PROCESSED IT BY THE TIME I WAS IN THERE AT XXXX ... ..SO YET AGAIN I am on the recieivng end ... incurring the problem and i have to do damage control ... take a hit on my credit score ..i have NEVER had a check returned for insufficient funds ... i had to call my mortgage company explain to them this was A MISTAKE OF BANK OF AMERICA and begged them to not penalize me OR SUB, IT A " DELINQUENT DING " ON MY CREDIT HISTORY BECAUSE OF A MISTAKE FROM BANK OF AMERICA ... unfortunately it was too late to avoid THE REPERCUSSIONS OF THIS MISTAKE WITH XXXX ... that being stated it would be nice to have Bank of America contact my mortgage company and explain what happened and have the negative impact of this " bounced " check removed from my credit history and credit report, thus exonerating me ...
Consumer complaint received 2024-10-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NJ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TX)

I had several customers send payment using cash app over the weekend of XX/XX/year>. When I went in to accept these I noticed about XXXX transactions failed. When I contacted support they kept giving me the run around and said to try again later. When I called them to speak with an actual person they said that I exceeded the amount of transactions I can approve. I asked what was my limit and they could not provide that. I then asked how do I retrieve these funds and they said I would have to request the money from all XXXX people. They already got the business so there is no way I can trust that they would be willing to pay. So therefore I lost {$420.00}. I said how was I suppose to know I could not accept that many transactions and they said unfortunately our terms changed and we did not send email blast or any notifications. This is unacceptable.
Consumer complaint received 2024-09-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: U.S. BANCORP (IL)

I received call on XX/XX/2024 from a " mediator " claiming I owe U.S. Bank XXXX. He asked to verify my name XXXX street, birthdate, and social security number. Very persistent and wouldn't allow me to talk. Said I was going to be served unless make agreement for payment plan with him right then. He gave me a XXXX  call back number XXXX but original call was from a different number XXXX with my area code. Gave me a XXXX hour decision time or will be served. Would not send me documentation of his claim and Has persistently called me and now my brother trying to reach me. Now a woman is calling claiming same thing.
Consumer complaint received 2017-01-09
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: MARINER FINANCE, LLC (NC)

About a year ago I went in to make a payment. The young lady that took my payment, and gave me a receipt. Now I have to mention, that I have been having some things happen unexpectedly that caused me to be late. 
I just submitted a payment on XX/XX/XXXX. I am being told that I did not make a payment XX/XX/XXXX. I personally took the payment in, however I ca n't find my receipt. I went 2 months back to back to get a car, when asked for my 10 day payoff, it was different. The amount went up {$200.00}. The salesperson even asked what kind of loan is this. The more I pay the higher my balance. I 'm starting to feel being that this happened before with my payment, that I 'm being scammed. The 1st lady that did it no longer works there, now the same thing with this young man. I spoke to this guy XXXX several times on the phone, yet I 'm being told that there are no notes on my account showing that I spoke to him. I even spoke to XXXX a word also is no longer there. At the time that I made the payment my foot was injured and I could n't drive, so I had someone drive there. Therefore I have a witness that it was paid. I just ca n't find my receipt and I 'm being told that they ca n't do anything without it, which I clearly understand, however I have a witness that watched me pay.
Consumer complaint received 2019-08-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (WI)

Today I learned your organization has reported a balance of {$770.00} for an account I am unfamiliar with to the credit bureaus. I am not certain where this debt came from and would like to find out more about it. Please provide proof of debt by means of original billing statements and any contracts relevant to the account which show I assumed financial responsibility for this account. In the past my credit report has been merged with that of another and I have also been the victim of identity theft, so it is imperative I know the origin of all debts. Please provide proof of debt within 15 days of receipt of this request. If you can not furnish proof of debt, please request the deletion of this item from my credit report immediately. 

Additionally, you have reported this account opening in XX/XX/2019. While I am not familiar with the account or balance you are seeking to collect. I am certain I did not acquire any kind of account with such a balance in the month in which you are reporting the opening of this account. It appears as though you have re-aged an account to make it appear newer than it actually is to cause maximum damage to my credit report.
Consumer complaint received 2019-09-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Activehours (AZ)

XXXX claims their sole purpose is to reduce or mitigate overdraft fees. Upon complaints from other individuals they have successfully reached out to several in regards to having overdrafted them when funds were not in a positive balance. This clearly goes against what this company stand for as far as their business motto goes. By offering consumers a pay day loan and continually reducing the amount a consumer can receive back also shows they do not care about their consumers and only further the benefit of even having the payday loan. They further hurt the consumer without regard to their financial wellbeing. I suspect I am not the only one who feels this way. I suspect more are suffering financial abuse by XXXX. 

XX/XX/XXXX : XXXX debited XXXX from bank account. Credit issued of XXXX XX/XX/XXXX : Advised unable to pay loan due to having XXXX XXXX off and the amount will end up with overdraft fees. They rescheduled payment to XX/XX/XXXX. 

XX/XX/XXXX : Account in negative standing after payday XX/XX/XXXX. XXXX in bank. XXXX took XXXX. Unable to retrieve funds back until account is XXXX. Reduced pay out amount. Reduced from XXXX to XXXX. Account will receive overdraft upon finalization of pending transaction. XXXX
Consumer complaint received 2016-11-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P. (OR)

I have determined that Southwest Credit or SWC, of XXXX, XXXX, has left repeated automatic recordings using two different phone numbers. XXXX and XXXX. The recordings ask for XXXX ( not my name ). I have dealt with scam debt collection agencies through CFPB before. When contacted by CFPB they claim they made a mistake and the employee responsible has been re-assigned and is being retrained. I do not owe any money to anyone or any agency anywhere. If I did they would send me a letter. I would appreciate CFPB contacting Southwest Credit in XXXX ( I live in XXXX ) and inform them that if they can not prove I owe a debt to cease and desist calling me and remove my phone number from their robo list. I am on several " Do Not Call '' lists but they do no good. My research shows SWC has over XXXX complaints against them. Is that worth shutting them down?
Consumer complaint received 2020-05-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP (CA)

3 months ago, I opened a checking account with U.S. Bank. The term was for me to get {$350.00} bonus after direct-deposting for 3 months. After 6 months, U.S. Bank did not provide me the credit as promised, so I closed the account. First, U.S bank charged me {$36.00} for closing the account. Then they closed it and sent me a check with my remaining balance. Now, after a month of closing, they suddenly stated there were pending transactions at the time I closed the account, and now they are posted. And because I had no balance on my account, they charge me {$36.00} fee for each transaction causing me to be overdraft for {$200.00} in fees and {$43.00} in transactions. This is clearly a crime. How could a bank is allowed to operate based on fraud like this? How could they not see pending transactions at the time of closing until a month later? Are they doing fraud on customer. This needs to be looked at.
Consumer complaint received 2020-06-08
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. (TX)

Equifax is reporting incorrectly a collection/chargeoff on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and therefore there is no payment to be late on and no balance to collect/chargeoff. This false reporting of lates and a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted the bureau to fix this however, I have not been successful.
Consumer complaint received 2016-05-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (MD)

Whomever CBE Group is trying to reach does not belong to the number they are calling. CBE Group calls the house several times a day. When I answer the call, they hang up without saying a word. Whomever they are trying to reach does not have this phone number or live at this address. If they do n't stop calling I will have to take further action.
Consumer complaint received 2024-09-27
Product: Credit 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. (AZ)

I reported several fraudulent transactions through my chase card I believe did not do and chase told me that I would be responsible for ALL charges without explaining how they came up with that conclusion.
Consumer complaint received 2020-05-02
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: CORELOGIC INC (FL)

My complaint is about Credco / XXXX, I am victim of identity theft, this has been reported to the 3 major credit bureaus and law enforcement, a security alert is on my credit files see addendum below. I did not authorize an inquiry on my XXXX on XX/XX/2019. Please remove immediately. 
XXXX & XX/XX/XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY 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. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX.