davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

The bank I use is JP Morgan chase bank. My debit card was stolen from me on XX/XX/2018 and its pin was also stolen. I did not know the card was stolen from me at the time and the theif racked up {$4800.00} in charges at 4 different places. At two XXXX they charged around {$3000.00} and at two separate atms around {$20000.00}. Also my bank allowed this person to call and transfer money over from savings to checking at odd hours of the day totaling the amount of {$8000.00}. This all happened in the span of 1 hr and my bank did not stop the card from use. I wasnt aware of any of this because at this time I was sleeping. I have never used my card in the locations or banks money was spent or withdrawn. These location are 45 miles away from my house. My back which is chase bank will not refund me the money. Their only reasoning on not covering my fraudulent charges is that my pin was used. They arent working with me and every time I call to try figuring it out I get put on hold and dont talk to anyone. They keep telling me they cant do anything about it. Ive shown them police reports and photos of another individual using my card from the police.
Consumer complaint received 2018-05-10
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. (GA)

Equifax sent me a letter stating that they found in favor of the companies that made these hard inquiries. I still cant log into equifax as they state my answers dont match. I feel they should have to provide proof of my requesting these companies to pull my credit. Most all web sites force you to sign up for an account just to view what they have to offer. At no time did I authorise the mentioned credit inquiries. None of these were utilities or any of the other excuses equifax stated in there letter to support declining removal of these fraudulent hard inquiries. I also find it odd they mail me a letter declining to remove these inquiries but I cant log in to dispute there findings nor did they inform the federal bureau of consumer protection agency that they had founded against me and closed this case
Consumer complaint received 2018-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (VA)

My complaint is about Equifax. Over the past 12 months, I have had several medical bills. I pay them all promptly, as I do all my bills. I was taken to XXXX XXXX XXXX Hospital 's emergency room on XX/XX/XXXX. I was required to make some payments while being treated, and got some bills later from a doctor who saw me, and other amounts were covered by insurance. The Hospital never contacted me about an outstanding bill. Nevertheless, at some point the Hospital referred an amount of {$290.00} to a collection agency in Florida. I had never been contacted by the collection agency either. On XX/XX/XXXX, I got a credit alert that the matter had been referred for collection and that Equifax was the source for the credit alert. I contacted the Hospital and paid the amount on XX/XX/XXXX. Equifax investigated and found no other problems. However, my credit card company sent me a notice on XX/XX/XXXX that my FICO score dropped 131 points based on a score provided by Equifax. I called Equifax on XX/XX/XXXX, and their representatives claimed that they only provided information but not a FICO score. I called my credit card company and they verified that Equifax provided the FICO score. I can only conclude that Equifax is not being truthful. I see no justification for the drop in my FICO score and would like you to assist me in getting it restored.
Consumer complaint received 2018-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX   XXXX. XXXX   XXXX XXXX, GA XXXX XX/XX/2018 RE : Request for Removal of Fraud/Security Alert ( s ) Dear Equifax, I checked my personal credit report, which I acquired from your company on XX/XX/2018 and I noticed that there was a Fraud/Security Alert placed without my authorization. Regardless of the reason for the alert, please immediately remove the fraud/security alert from my credit report/profile. In addition to this, I am giving you advance notice to NEVER placed such alert ( s ) on my credit report/profile without my EXPRESS CONSENT. Thank you in advance. 

Very Respectfully, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2018-05-09
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: Lending Club Corp (CA)

On XX/XX/2017 I had an unexpected job loss. I continued to make regular payments and eventually entered into a Hardship repayment for 3 months. I was told that the payments during hardship period would be added to the end of the loan. When repayment ended, I was told that I had to pay {$1200.00} because I defaulted on the agreement. My payments show that I made the timely payments. I was also MISLED with information that the shortage of payments would be added to the end of the loan. I made good faith payments until I went back to work and then ultimately paid off the loan. 

I would like to have the 90 day late payments removed from my credit report. 

The Lending Club sent me a letter of explanation, which is different from what the representatives in their customer service area are telling clients.
Consumer complaint received 2018-05-09
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: EQUIFAX, INC. (CA)

According to the Fair Credit Reporting Act Section, 609 ( a ) ( 1 ) ( A ), Equifax is required by federal law to verify through the physical verification of the original signed consumer contract, any and all accounts posted on a credit report.
Consumer complaint received 2024-11-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

Last XX/XX/XXXX and XXXX, I have made a wire transfer to people I do not know as part of a supposed cryptocurrency investment I discovered online. I transferred using XXXX XXXX  XXXX XXXX checking account for {$2000.00} and {$5000.00} respectively to XXXX different Wells Fargo XXXX XXXX XXXX : Account Name : XXXX XXXX Bank Name : Wells Fargo Account Number : XXXX Routing Number : XXXX Account Type : XXXX XXXX  XXXX XXXX : XXXX Address : XXXXXXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX  XXXX, XXXX Account Name : XXXX XXXX XXXX Bank Name : Wells Fargo Account Number : XXXX Routing Number : XXXX Account Type : XXXX XXXX XXXX XXXX : XXXX Address : XXXX XXXX  XXXX XXXX, XXXX, XXXX, XXXX, XXXX Realizing I may have been scammed as the promised return was $ XXXX for initial investment of $ XXXX plus $ XXXX transaction fee plus $ XXXX XXXX  to cash conversion fee, I called Bank XXXX XXXX XXXX XXXX  to recall my $ XXXX wire transfer. After XXXX business days still no response from Wells Fargo. i did further check on the address of the said business checking accounts and it points to a vacant lot which is quite surprising as I thought there is much tighter bank scrutiny for business checking accounts. The fact that Wells Fargo is not cooperating with the investigation means they are not putting prime importance on bank fraud and scams and they are being instruments for these malicious individuals to prey on unsuspecting victims. I hope to be able to recover the full amounts I have wire transferred ( $ XXXX ) as the others were via XXXX with no protection whatsoever from these types of scams
Consumer complaint received 2024-10-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

I'm alerting you to an issue with my credit file. There's a collection entry from your agency that I wasn't informed about before. I strongly question the accuracy of this claimed debt. Under the Fair Debt Collection Practices Act, I'm entitled to debt validation. Please provide this validation and address this issue.
Consumer complaint received 2018-05-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (AL)

Was having a problem paying house payment because of work and medical and got behind on payments and needed some relief and to lower our payments and keep our house, So we tried to work out something with our lender Chase and they finally said they have worked something out on a modified loan. We were never told it was a 50 year loan never knew you could go over 30 years. they never pointed that out or made us aware that the loan was a 50 years loan. We would have never known if I had not seen that the Haarp program was available and it was running out and I got on line and applied. I was told that it was a 50 year loan. We would have never signed up for a 50 year loan it's disgraceful and what really got me was the Haarp company that got with us told me that it was a 50 year loan and since I was a XXXX Veteran, they could go with a VA loan for 30 years and lower my payment by well over a {$100.00} a month and wondered why didn't Chase do this instead of sneaking a 50 year loan on me and still keep my payments high. I could not answer the question myself and would love to know the answer and Chase never told me I had a 50 year loan and feel that they have taken advantage of me for years, I am a XXXX veteran   and live on a fixed budget and how can I be qualified for a 30 year loan and lower my payment greatly with another company and chase has me on a 50 year loan and a much higher payment. They drug everything out and took forever working their modified loan out and when we were desperate and thought we were going to be put out they hit us with a 50 year loan and never told us, when they could or should have been able to go through the VA and help us out with a 30 year or less loan and lowered our payment. They were not interested in us only how much money they could rip off from us thought there was a fair housing standard and trusted them. I guess this is what the country has come to greedy companies getting bailouts from the government with my taxes and screwing the American homeowners. So tell me how can I get a loan half the term with lower payments with the VA or Haarp program. Theses have been around for years they had the information. A 50 years loan and not telling you in this country that Has to be illegal,
Consumer complaint received 2024-11-27
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PlusFour, Inc (NC)

2 Disputes were filed against the creditor for a debt that did not belong to me. I had submitted prof of residence in the state of NC in form of Tax documents that show proof of insurance in the state of NC for the year XXXX  and drivers license. The creditor twice has said the debt is mine. I have never been contacted by the creditor because I never lived in the state of Nevada. They have not shown prof that the debt is mine. Their tactic is to put the debt on someone who has a similar name, day of birth or a part of their social security matches the original debtor. They have not verify that the account is mine and I have not been contacted by the creditor even though my address, email and phone number are in my credit report. The creditor only wants someone to pay for the debt regardless of who it belongs to. They think they can bully me to pay a debt that is not mine because it causes issues with my credit worthiness and my ability to get credit or employment. They think I will just pay to make it go away. I wonder how many more people they have issued the same debt to collect multipole times.
Consumer complaint received 2024-11-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NC)

I disputed the collection account with Transworld via Transunion Credit Reporting but the dispute was upheld and still showing negatively on my credit report. 

" This request for removal was sent to the collections department on XX/XX/XXXX, still awaiting an update on the removal. '' Response as of XX/XX/year> from XXXX XXXX. 

Transworld Collection Agency collection account reinstated on all credit reporting bureaus approximately XX/XX/year>. Reached out to XXXX XXXX via email. Response above. 

Communication dated XX/XX/year> with XXXX XXXX below. Transworld Collection Agency removed collection account from all three credit bureaus. 

" Yes. One account. The address XXXX XXXX XXXX XXXX XXXX NC. It is showing on my credit reports. I am invoking arbitration ARTICLE IX. GENERAL PROVISIONS 9.2. Please remove the account from all credit reporting agencies collections immediately - Transworld Systems. '' Our Account # : XXXX Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  Creditor 's Account # : XXXX Balance Due : {$680.00} Repeated requests to invoke arbitration with XXXX XXXX as stated above. Repeated disputes via credit reporting agencies. All attempts have ended with no change in credit reporting.
Consumer complaint received 2024-10-31
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Conn's, Inc. (TX)

I received a consoladation loan from my bank to payoff debt. My bank sent the payoff amount provided to me to Conns home furneshing. The check was for XXXX. The check was received and vcleared my bank. This was about 2 months ago. They have not applied the payment to my account and have doubked the payoff amount. I have a picture of the check and a message from the company stating that the check was deposited.
Consumer complaint received 2024-10-30
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc. (NV)

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 XXXXXXXX Subject : Debt Validation Request for the following Account XXXX Dear XXXX, I am writing to formally request a validation of the debt reported on my credit report under the account number referenced above. This debt is listed as owed to CONNS for the amount of {$6400.00}. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a validation of the debts accuracy and legitimacy. Please provide me with the following information to validate this debt : Creditors Full Contact Information : Including the name and address of the original creditor. 
Date of Account Opening : Verification of the date the account was opened and the date it was first reported to the credit bureau.

Date of Last Payment : Documentation of the last payment made, including the amount and date.

Proof of Debt Ownership : Any documents showing that I am indeed responsible for this debt.

Validation of Debt Amount : A breakdown of the amount owed, including interest, fees, and any payments made.

Legal Right to Collect : Proof that the debt collector has the legal right to collect this debt. 
In the event that you can not validate the debt with the above information, I respectfully request that this entry be deleted from my credit report. Please respond within XXXX days of receipt of this letter as required by law. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-06-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (GA)

On XX/XX/2018 I purchased a Netspend prepaid XXXX card with {$170.00} cash for the express purpose of paying a bill online. I chose the Netspend prepaid card because it was a couple of dollars cheaper than the Prepaid credit cards it was on display with. It was a Saturday and my bank was closed so I was not able to delposit cash into my bank to pay the bill. I thought that purchasing a prepaid card with a small fee would allow me to quickly pay the bill online. 

After purchasing the card I immediately went online to activate it, per instructions on the card. I then proceeded to use it. The card was declined. I called customer service. I was on hold for over 10 minutes. Customer service rep verified my name, date of birth, and social security number. He then apologized and said I would not be able to use the card or have access to funds. I was shocked and dumbfounded and asked to speak with a supervisor. 
After being placed on hold again I was transferred to a supervisor. The supervisor told me there was nothing he could do and I would not be able to use the card or have access to my funds.
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXX XXXX
Consumer complaint received 2018-06-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (NV)

I have an unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX  provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2024-10-23
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Conn's, Inc. (TX)

XXXX XXXX XXXX Lawn XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/year> Subject : Request for Copy of Form 1099-C Dear : CONNS, I hope this message finds you well. I am writing to request a copy of the IRS Form 1099-C for the cancellation of debt related to the charge-off/collection account under my name, reported to the credit bureaus. 

I have noticed this account reflected on my credit report, and I would like to have all necessary documentation, including the Form 1099-C, which should reflect the cancellation of the debt. If this form has already been issued, kindly forward a copy to me at your earliest convenience. If it has not yet been filed, please provide a timeline for when I can expect to receive it. 

Here are my details for reference : Full Name : XXXX XXXX Account Number : XXXX Social Security Number : XXXX Date of Charge-Off/CollectionXXXX I would appreciate your prompt attention to this matter and look forward to receiving the requested document as soon as possible. Please feel free to contact me if further information is required to process my request. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-29
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. (NJ)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account XXXX : XXXX XXXX Account XXXX : XXXX
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

XXXX XXXX found me in 6 data breaches by monitoring my email XXXX. the 6 data breaches are : XXXX  Reported XX/XX/XXXXXXXX XXXX XXXX Reported XX/XX/XXXX, XXXX Reported XX/XX/XXXXXXXX XXXX XXXX Reported XX/XX/XXXX, XXXX 's XXXX XXXX XXXX and Equifax. I am disputing all of the information due to be incomplete and inaccurate.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed items to be blocked and deleted company information from Equifax and XXXX. 

Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX