davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

I am writing regarding a loss of {$5000.00} from our personal bank account at chase bank. 
All our efforts to get a reimbursement from Chase bank until now were rejected although we feel that Chase bank is responsible for our money loss. 
We hope you can help us get our money back from Chase bank. 

In XX/XX/2021 at XXXX XXXX, I received a text to my cell phone from Chase Bank phone ( XXXX ) XXXX Stating that there is an attempt to transfer {$5000.00} out of my Chase account through XXXX. 
At XXXX, I got a phone call from another Chase phone number ( XXXX ) XXXX, the person on the other line, said he is a chase representative and that someone transferred {$5000.00} out of my XXXX account and he will try to help me reverse it. 
After a long conversation ( over 50 minutes ) in which we supposedly tried to reverse the transfer, he had me transfer the {$5000.00} to XXXX account ( XXXX ) XXXX as a last resort to save the money. Then, the line got disconnected. 
At XXXXXXXX XXXX I called back Chase to the same number I got the call from ( XXXX ) XXXX in order to continue the conversation. I was then told that Chase has no records of such a call with me and that this is probably a fraud. 
We talked to our branch manager about this, He contacted the Fraud department which called us few days later. As we did not get any solution from them, we asked to talk to a higher manager which called us few days later. Still, none of these people helped us. They just said they cant do anything! 

We see Chase responsible for this money loss, since all communication with us was through Chase phone numbers ( text and voice ) and we had no means to know it is not done by Chase. 
I want to emphasis the following : 1 ) All phone numbers which connected with us through text or voice were recognized Chase bank phones that we got calls from in the past, so we had no reason to suspect. 
2 ) The conversation with the Chase representative was similar to many other conversations we had with chase representatives over the years regarding fraud suspensions. 
3 ) We understand there is a {$500.00} limit to first time transfer from XXXX, how come CHASE allowed a {$5000.00} transfer to a new number? 
4 ) In the past, chase called us to verify transaction much smaller than this, how come they did nothing on this one? 
5 ) The {$5000.00} went somewhere, the bank knows where the money was transferred to. They should trace it and bring it back to us and not just tell us they can do nothing.

6 ) We understand from the talks to chase people, that this is not the first time something like this happens. Why does Chase not act to eliminate the possibility for this type of fraud? 
We see CHASE bank responsible to trace the money and bring it back to us, or if they can not trace it, than Reimburse us from their own funds. 
We ask that you help us get the money back from Chase bank. 

Best Regards, XXXX & XXXX XXXX
Consumer complaint received 2020-07-01
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: LEXISNEXIS (LA)

I filed for Chapter XXXX  bankruptcy in XXXX of XXXX. The bankruptcy came off of my XXXX and XXXX  credit reports in XXXX of XXXX. XXXX  has it inaccurately reported as a Chapter XXXX bankruptcy. I filed two disputes with XXXX  about it in XXXX of XXXX. I included paperwork from my lawyer and the bankruptcy court but to no avail. I even filed a dispute with LexisNexis in XXXX of XXXX also to no avail. When I contacted LexisNexis on XXXX XX/XX/XXXX I was told because my bankruptcy was initially filed as Chapter XXXX but converted to Chapter XXXX they are not willing to stop reporting it.
Consumer complaint received 2023-02-25
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (OH)

Re : Synchrony Bank On XX/XX/XXXX I purchased cabinets from Lowes in the amount of {$6600.00} using my Lowes credit card through Synchrony bank. Lowes had a promotional interest rate of 7.99 % that is charged monthly for 5 years or until it is paid off. 

I purchased a ( one ) dishwasher on XX/XX/XXXX for {$560.00}. Interest is deferred until XX/XX/XXXX. I had a change of delivery date. I was told that the order would have to be cancelled in order to change the date. So on XX/XX/XXXX there were two charges for the amount of {$560.00} when there should be just one charge on my statement. 

I have asked Synchrony why there are two charges, and their agents say that even though the charge appears twice it has only been charged once : why is it showing twice then? 

I have repeated asked Synchrony via phone to apply the payments we have sent to the dishwasher balance and then towards other payments where the promotional, interest free period is due to expire. 

To date, Synchrony has been applying all payments to the larger balance that is not expiring for 5 years nothing has been applied to the dishwasher yet. We have been paying {$500.00} to XXXX per month since XXXX of XXXX and the balance for the dishwasher should have been paid off by now. I have called Synchrony each month for the last 6 months and each time their agent says the funds will be applied as I have requested : but never have the funds been applied as I asked or expected.
Consumer complaint received 2020-08-31
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

How are you? Im extremely upset and shocked about the way this charge-off on BANK OF AMERICA account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2023-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo refuses to reverse payment made to someone else that was Not authorized by me, Im guessing it was an inside job or they should have been able to reverse unauthorized transactions XX/XX/2023 {$460.00} XX/XX/2023 {$460.00} XX/XX/2023 {$460.00} Also capital one should have reversed payment as it was an unauthorized payment and I told them I was the Wells Fargo account holder but XXXX XXXXXXXX did not care at all and send since I wasnt the account holder of the account it went to I cant do anything about it and I should reach out to Wells Fargo
Consumer complaint received 2020-08-31
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Convergent Resources, Inc. (NJ)

Received a letter In the mail from the collection convergent company from XXXX of the balance of {$700.00} with a reduced amount of XXXX the debt has been well over XXXX years old and it has fallen off my report since XXXX of this year. I was under the impression that is was close given the aged of the debt ... it hasnt effected my credit as of yet but I want or stay on top of it so I wont have any Fluctuation to my credit score ...
Consumer complaint received 2020-08-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2020-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

in XX/XX/XXXX recieved two student loans one for {$4000.00} and one for {$2600.00} both loans were paid in XX/XX/XXXX.but in XXXX i got sick with XXXX and called XXXX  and explained my situation and asked if i can be placed on a deferment while i was going thru XXXX. they said no problem we are still going to charge you interest. i told them thats ok.now that i want to refinance because inerest is low i have late payments on my credit report.i contacted them and they are telling me nobody never called them with a deferment request.i told them my original creditor was XXXX XXXX .so this is my problem can sombody help please.
Consumer complaint received 2020-08-31
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. (MA)

How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts US DEPT ED XXXX. I disputed this account and nothing was sent to me to legally verify the accuracy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified Hows it possible that youve reported me 90 days late with no late payments prior to that? Also, wasn't XXXX  student loan servicer was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be removed.
Consumer complaint received 2020-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

Equifax and XXXX  should not be reporting a collection/chargeoff in the amount of {$4900.00} on the XXXX  partial account number **** XXXX. ( Please see page attached from my credit report. ) This vehicle was stolen and later found in XXXX, Tennessee. ( I have also attached a copies of the police reports and incident report. ) Since the vehicle was stolen, my insurance covered any and all outstanding balances due and owing. There are no outstanding balances due and consequently nothing to collect/chargeoff. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-08-31
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: Experian Information Solutions Inc. (TN)

I sent a validation letter to all 3 credit bureaus, XXXX, Experian, and XXXX and also the collection agencies XXXX XXXX XXXX and XXXX XXXX XXXX on XXXX to dispute the following accounts showing on my credit report ( XXXX XXXX XXXX ) AND ( XXXX XXXX XXXX ). The letter was sent over 30 days ago with no response or validation that these unknown debts are mines which is not. These debts are unknown to me and I want them deleted off of my credit report as they are violating my rights by taking longer than 30 days and not deleting these accounts as they should.
Consumer complaint received 2020-07-01
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. (CA)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX/XXXX  XXXX {$280.00}
Consumer complaint received 2020-08-31
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Please review exhibits A-E Also Select Portfolio Servicing who has the mortgage account XXXX which is a improper loan modification agreement because it is connected with XXXX XXXX XXXX   Conventional Real Estate mortgage loan number XXXX that I had no knowledge of the refinance mortgage loan from FHA to a Conventional mortgage loan.therefore since it is in connection with fraudulent activities this loan should be suspended and with an full and forensic investigation to come to a final resolution the evidence is in black and white without question so why is it taking so long to resolve this case?
Consumer complaint received 2020-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CO)

I have receive a notice on XXXX XXXX from CITI Master Card, about my account being " CLOSED ''. Apparently noone informed me, ahead time, about the fact that they believe that because I had " NO '' activity on my account in the last two years that this action was necessary. I have had this master card from more then ten years and NOTHING like this has very happen. Why would CITI take this step all of a sudden. I retire a few years back, and I have had no need to use my credit card, but If i need the use of this card at any time in the future. I think that I have earn the right to maintain my credit card without being subjective to CITI closing my account. I got in touch with a representative, and she indicate on the phone that I hadn't use my master card in a couple of years, therefore, they had the right to automatically close my account. This seem like a strange reason for CITI to take this action. Therefore I would like for CITI to apologize to me, and offer me extremely generous credit rate for making me have to take the action that I feel is unnecessary. I hope that CITI doesn't treat all of their customers this way. Sometime I feel like this might be happening, because I am a XXXX years old XXXX. I hope that this is not the case. I know that in many cases " XXXX '' have felt like they have experience discriminate in the financial industry.
Consumer complaint received 2020-07-01
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. (AR)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately
Consumer complaint received 2020-08-31
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: Bread Financial Holdings, Inc. (CA)

There is an inquiry on my XXXX  credit report posted in XX/XX/2020. I am unaware of this inquiry and did not attempt to open a line of credit with this store/company. Ive tried to reach out to XXXX XXXX and XXXX   and with no help have had no luck. They havent provided any information to me in regards to how to further contact them. Their number listed on my credit report reads XXXX XXXX XXXX XXXX. I have no way of further contacting them and have reached out to XXXX about this not being me that attempted to establish a line of credit with this company. XXXX   has refused to do anything.
Consumer complaint received 2020-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: SYNCHRONY FINANCIAL (NY)

Dear sir / madam, In XXXX this year, I opened a PayPal Mastercard account with Synchrony Bank. This resulted in a " hard '' check to my credit report, after which the card was approved. 

However, when I received the actual card, I could not activate it because of some technical glitch with the confirmation message system on Synchrony 's side. I received no further communication from Synchrony bank whatsoever. Due to the COVID pandemic, I was not able to follow up with the bank immediately. 

Subsequently I received a letter, dated XX/XX/XXXX, informing me that the account has been closed due to " restriction for suspected unauthorized use [ and ] subsequent inactivity in this account. '' No attempt was made by Synchrony bank to notify me of the upcoming closure. There were no charges on the account and the account was not delinquent. 

When I attempted to contact Synchrony directly to reopen the account, I was informed that it could not be reopened without a further credit check and is deemed " high risk ''. No reasons for deeming it " high risk '' were provided ( for context, I have excellent credit ).
Consumer complaint received 2020-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (KY)

I have disputed information with Equifax on 3 separate occasions and have not been given any proof of verified information other than a message saying " information has been verified as accurate ''. It is my right that under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. The accounts that have been disputed are as follows : 1 ) XXXX XXXX act # XXXX 2 ) XXXX XXXX act # XXXX XXXX 3 ) XXXX XXXX XXXX # XXXX XXXX 4 ) XXXX XXXX act # XXXX XXXX 5 ) XXXX XXXX XXXX # XXXX XXXX Initial formal dispute was sent via certified mail on XX/XX/XXXX ( I have enclosed a copy of the receipt from USPS which verifies the tracking number # XXXX. Also enclosed is a copy of the 2nd dispute letter that was sent ) 2nd formal dispute was sent via certified mail on XX/XX/XXXX ( I have enclosed a copy of the receipt from USPS which verifies the tracking number # XXXX. Also enclosed is a copy of the 2nd dispute letter that was sent ) 3rd formal dispute was sent via certified mail on XX/XX/XXXX ( I have enclosed a copy of the receipt from USPS which verifies the tracking number # XXXX. Also enclosed is a copy of the 3rd dispute letter that was sent ) I have NOT been provided a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature  on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

Equifax has done nothing more than " update '' information that is not/has not been proven to be mine or valid, or " verified '' that the information is correct. I have also enclosed a letter from 1 of the alleged creditors showing that they did not even open an investigation on 2 of the 3 disputes. Therefore, there is NO POSSIBLE WAY that Equifax appropriately " updated '' or " verified '' the information they are reporting on my credit report. 
Several of the aforementioned accounts have already been removed from the other credit reporting bureaus for an inability to verify the validity and provide the legally required documentation for support as required by law. Further supporting my claims that XXXX is falsifying to me that the information has been " verified '' as it is legally required by law that the creditor agency share the exact same information with all 3 credit reporting agencies.