davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (TX)

My personal information including my credit card information was compromised. Someone used this information to make fraudulent purchases on my credit card. 

I received an alert on XX/XX/2022 stating that Chase auto declined a purchase because it was detected as a fraudulent charge. I immediately called Chase and to cancel my card and to let them know that there were 4 additional fraudulent purchase on my card. All of these purchases were made in about a span of 1 hour and all the purchases were for digital tickets. 

Chase later told me that I was still responsible for 2 of the charges. One charge of {$180.00} to XXXX XXXX and one for {$600.00} to XXXX XXXX XXXX. I disputed the charges 2 times and each time ( on XX/XX/2022 and XX/XX/2022 ) was told that 2 of the purchases were legit because the scammer used my personal information to make the purchases and because I " received benefit '' from these transactions. 

While it is true I received the virtual ticket in my email inbox ( due to the scammer using my email and other personal info ), I received no benefit because I never used the tickets and the tickets were for entry to attractions on the other side of the country. Also, the scammer could access copies of the tickets online during the time of purchase so really they were the ones who received the benefits. 

It is preposterous to think that only XXXX out of XXXX tickets purchases within an hour were made by a scammer while I was also purchasing tickets. Why would I immediately call Chase to cancel these charges if that were the case? What kind of fraud department can't tell that these purchases obviously were not me? It really feels as though they try to use any excuse necessary to charge you with fraudulent purchases.
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I made a previous complaint via this site that Equifax was reporting inaccurate and information was not updated as current. I just received an update from my credit bureau alerts that my credit rating has dropped XXXX points due to the changes that were updated. I am very confused on how my credit rating would decrease when my outstanding debt has decreased by {$12000.00}. In XX/XX/2020, I paid off all my credit cards. 
Is this retaliation from Equifax since I complained through the CFPB.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I am writing to formally dispute the accuracy and completeness of the payment history associated with the account : XXXX XXXX Open Date : XX/XX/year> I believe the reported payment history is incorrect, and this discrepancy needs to be addressed immediately. Under 15 U.S.C. 1681s-2 ( b ) ( E ), furnishers of information are required to conduct a reasonable investigation when a dispute is made regarding the accuracy of information on a consumer report. In the case of XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX. XXXX, it was emphasized that verification of disputed information must be supported by comprehensive and accurate account-level documentation. Furthermore, 12 C.F.R. 226.25 ( a ) stipulates that such documentation should detail all transactions related to the account in question.

Given these legal responsibilities, I request the following : 1. A thorough investigation regarding the accuracy of the reported payment history associated with my account.

2. The provision of complete account-level documentation that verifies the accurate payment history in accordance with the XXXX case and applicable regulations. 

If your agency can not verify the accuracy of the information with appropriate proof of verification, I expect that the account will be deleted from my credit report immediately, in compliance with the FCRA.
Consumer complaint received 2020-08-26
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. (NY)

I had disputed negative information on my credit reports. To date the negative information is still appearing I am uploading documentation that this account is to removed off my credit reports
Consumer complaint received 2018-09-25
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE (WA)

XXXX of last year my rent money order was stolen from the apt manager 's office where I live. A police report was filed. A fraud and forged complaint was filed with Western Union. On XX/XX/XXXX I spoke with the bank that cashed the stolen money order, XXXX XXXX XXXX XXXX XXXX is assigned this case, and they would like to make resolve this issue with me and issue a refund for the stolen funds. This dialogue was opened because of my XX/XX/XXXX complaint with Consumer Financial Protection Bureau. I spoke with Ms XXXX on XX/XX/XXXX and she advised me that she attempted to get the claim information from Western Union but was transferred around and each contact she had was unable to assist her so she called me for help. I called Western Union on XX/XX/XXXX and gave the customer service rep Ms XXXX XXXX   full name, phone number, fax number and advised that she represents XXXX XXXX   and would like to resolve this issue of the stolen funds for me. I was placed on hold and the customer service rep came back on and said that she would make sure the claim was forwarded to Ms XXXX. On XX/XX/XXXX Ms XXXX called me and said she had not received the claim or any information from Western Union. I received a letter today from Western Union saying that my claim was denied by XXXX XXXX and that they are sorry but must comply with banking regulations. Western Union is the problem here. I have assurance, in writing, the same received by you on complaint XXXX, that XXXX XXXX  is more than willing to resolve this defraud that happened to me. Western Union refused to send the claim and associated information to XXXX XXXX contact XXXX XXXX as requested by her and by me. To add insult to injury, Western Union enclosed a letter from XXXX XXXX that is dated XX/XX/XXXX stating that my request was denied however I have talked and received a letter from XXXX XXXX that says the opposite. Western Union is the cause of why this issue has prolonged for this amount of time. Ms XXXX advised me that XXXX XXXX  had never heard of my fraud/forged complaint regarding this money order that occurred XX/XX/XXXX. I need help getting Western Union to give XXXX XXXX XXXX   XXXX XXXX the information she needs to process the refund they have been trying to administer to me for over a month now. Please help me.
Consumer complaint received 2020-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (CA)

On XX/XX/20 I was browsing around my US Bank app and stumbled apon the monthly maintenance fee for my checking account ( silver package ), it said click the link to find out how to avoid the monthly maintenance fee. I proceeded to investigate and it stated my account would be free if I had direct deposits greater than {$1000.00} each month, at this point I was very upset because my direct deposits have been well over {$1000.00} each month for the past 5 years I've been a customer. I went to my local branch to sort this matter out and come to find out they got rid of my account package 2 years ago and i was never notified and they continued to withdraw money out of my account. The branch was only able to refund 3 months of service fees which I believe is unacceptable! My own bank has been stealing money from me for 2 or more years. Monthly maintenance fees are {$6.00} multiply that by 24 and thats {$160.00}, and if I've been wrongfully charged for 5 years thats {$410.00}. I also tried to contact customer service myself and ended up with the same results they are only able to refund 3 months. This is wrong and I'm reconsidering banking with US Bank.
Consumer complaint received 2022-05-30
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. (GA)

My wife and I have been in the process of getting a home loan. We were told that I'm not showing enough credit due to no credit card showing on the credit score disclosure. When I check myself, I am seeing that I can not get a credit score. I do have a credit card with XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX in XXXX, AL. Out of the XXXX different credit bureaus, the only XXXX showing that I have an open credit card account is the XXXX company. However, it's still not giving me a credit score. I called my bank to see if they are reporting to all credit bureaus and was told that they were. I feel there must be some sort of error in the system that no one is catching. I was told over XXXX years ago that this was a problem and I just assumed it was because of the pandemic and I wasn't spending a lot of money. However, to be told this again, I know there is something wrong with my credit being reported from this bank. I've had this credit card XXXX years and the fact that its not reporting to all the credit bureau is concerning to me.
Consumer complaint received 2020-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

I wrote a check from my account to cash and they said they needed two forms of identification aside from my driver 's license. I asked what other form they said a debit card. I don't have a debit card for this account. They said that they could call my number and give me a code and I didn't have my cell phone. We are under a hurricane emergency and they said I couldn't take out my money. No resolution even though the check I wrote was from my chase account. I believe this branch is discriminating against people with XXXX last names.
Consumer complaint received 2018-09-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: TRANSWORLD SYSTEMS INC (MS)

Every time I make payments I can afford, the debt collector agency is changed. The current owner has made no attempts in contacting via mail in attempts to make a payment plan but continues to report unpaid interest to the credit bureaus at a rate that im not aware of. Company make objective is to get the balance high enough via unfair interest charges to make a profit. The original balance continues to show up as charge off and now the reporting balance is thousands of dollars above that.
Consumer complaint received 2018-09-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: U.S. BANCORP (ID)

I recently got married and went to my husbands bank to be put on his checking account ( XX/XX/XXXX ) so they pulled my credit and told me I couldn't get onto his account because I had a collection on there from US Bank. 
I was confused as to why I had a collection because I had closed my accounts there almost a year ago, so I called US Bank ( XXXX @ XXXX ) and they said they sent me to collections due to a balance on my checking account. I had no idea that I had a balance on my checking account and when the account was closed no one told me that I had an outstanding balance to pay. Not only that but I guess they had an old address on file that I haven't lived at for over a year and were sending information and statements to that address. I moved into my new address XXXX of XXXX and had no idea these letters were being sent to my old address. Nobody called me or reached out to me in any other way so how was I supposed to know that I had an outstanding balance? The only way I was even brought aware of this debt was because I got married and tried to get on my husbands checking account. US Bank told me it was my fault that I didn't give them the new address ( the account was closed or wasn't being used so why would I give them my new address? ). The collection company XXXX XXXX said that they couldn't help me either and I ended up paying the debt amount that was around {$51.00} ...
Consumer complaint received 2024-10-29
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. (TN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-08-26
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: SYNCHRONY FINANCIAL (NY)

Fraud - someone use my Social Security number and opened up a PayPal credit card. 

This bank- still not communicating with me or giving any information. I need to figure out how to get this off my credit report. Because I did not open up the account I can't get any of the information. Going around in circles for three months I recently changed addresses XX/XX/XXXX, doing so through the USPS website all of my financial credit cards banking information automatically changed to the new address submitted to the post office. 

I received a letter dated XXXX from Pay Pal Credit or synchrony bank. Which I have uploaded, and this is the only piece of information I have received from PayPal credit. 

I called the bank on XXXX and was given Case # XXXX and told I would receive some items in the mail the next two weeks. ( which I have never received any mail from them other than this one sheet of paper that I've uploaded ) I've had my credit report on applying for a mortgage - and this account has been open since XX/XX/XXXX and someone has been paying it back, making minimum payments. 

I am unable to obtain the account number, credit card information, transactions as this is all digital, and I do not have any of the criteria of the account because I did not open this account. 

The fraud department will not tell me anything about this account. All I know is that there's a {$6000.00} balance reporting on my credit report, with no late payments, and this not my account. all i know is the last four numbers of this account.. is XXXX
Consumer complaint received 2018-09-25
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: JPMORGAN CHASE & CO. (NY)

Chase mortagage did not update my account information correctly. Credit report shows Ive been late on my mortgage payments for XXXX and XXXX of this year which is not correct. Ive been current on my mortagage payments since XXXX of this year.
Consumer complaint received 2018-09-25
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. (MI)

I received an email that my social security number was compromised on the dark web. I've contacted XXXX, XXXX, and Experian to investigate 20+ inquiries over the past 2 years XX/XX/XXXX-XX/XX/XXXX that were unauthorized by me. They refuse to offer any assistance in these matters. It is easy for hackers to get innocent citizens information EX. social security numbers but made difficult for us to get information on our reports verified and corrected. When innocent citizens information is compromised the 3 credit bureaus should take these matters very serious, its could be life altering for us. I feel like representatives do not take these matters seriously. They offer no assistance after hours of holding just to be told their is nothing they can do. If they do not want to protect our information and offer help when it is compromised why do they have access to it? I feel like my Personal Information is not protected and at anytime can be accessed which leaves me at the mercy of the 3 credit bureaus who offers no help.
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

I would like to file a complaint regarding an account Equifax is reporting. I have requested information and validation multiple times with them but to no avail. I have not received any response to my mailing from XX/XX/2020. The error is XXXX XXXX ( Account # XXXX ). In my letter disputing this error, I told Equifax that I challenge the accuracy and reporting of this item. Equifax is reporting that XXXX XXXX XXXX ( Account # XXXX ) account type is a collection account, however the payment status reports a 120 day late payment. They are well beyond the 30 days response time to validate the accuracy of this information. Then on XX/XX/2020 I filed a complaint here stating that they had not responded to my letter and were in violation of the Fair Credit Reporting Act. They closed the complaint # XXXX, saying " Please be advised that an investigation with the furnisher of the information has been initiated. '' This is a stall tactic and this is almost two months past the date my letter was mailed and received by Equifax. Equifax can not validate this item but is stalling to remove it as they should per the Fair credit reporting Act. As I stated I would in my initial letter to Equifax, I have filed a complaint here with CFPB and also with the Ohio State Attorney General 's office. I will have no other choice but to soon file a small claims lawsuit with my local court if they do not delete this account from my credit report. I have attached my initial letter to Equifax, the certified mailing receipt, and my CFPB complaint where Equifax tried to stall saying Please be advised that an investigation with the furnisher of the information has been initiated. Even though they have had almost two months to investigate.
Consumer complaint received 2021-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (GA)

XX/XX/2021 Card/Account Holder XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX Discover Card Consumer Complaint XXXX XXXX Address City, State, ZIP Code Re : Discover Card XXXX XXXX XXXX XXXX Attention : Consumer Complaint Division On XX/XX/2021 I was mailed a notice from Discover card services that my account was being closed. According to the letter Discover closed the account due to the inability to access tax records for prior year, I was never notified by Discover financial services of their XXXX attempt. 
I have in the past had some issues with identity theft, therefore I have a Fraud alert with my account ( SS, Credit ) for my protection. I offered to assist Discover in this matter per IRS representative no information is released without the consent of social security holder. my approval is requested prior to any release of information. I have contacted IRS and they dont have any records of Discover financial attempts or requests. 
On XX/XX/2021 I contacted customer service representative XXXX XXXX in attempt to resolve the problem, according to XXXX there was nothing he could do to resolve the issue. I would appreciate my account being re-instated allowing access my credit card usage. 
I look forward to your reply and a resolution to my problem. Please contact me at the above address or by phone at XXXX Sincerely, XXXX XXXX XXXX next page ( s ) supporting information
Consumer complaint received 2020-08-18
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (TX)

I pulled my credit report and to my amazement, saw that you report this account with multiple lates, charged off etc I also have no knowledge of this account. I disputed this information with XXXX over and over again and the results of the investigation came back " verified ''. Not only am I late on any of my bills with any creditor, would never be late on this account if I had one with you, but according to the Fair Credit Reporting Act ( FCRA ), as the information furnisher, you are required to notify me of the insertion of negative listings. Since I have disputed the late payments and no knowledge of this account with XXXX, and you obviously " verified '' with them, I am very curious as to what kinds of " records '' you may have for this alleged account. Please provide ALL information in regards to this account. This account shows that is a joint account with who? Under the FCRA, you are required to conduct an investigation on this account if I request it. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.