davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-16
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. (MN)

I discovered unauthorized/fraudulent transactions on my Chase Bank credit card account and immediately contacted Chase Bank, upon receipt of my statement on XX/XX/XXXX, to report the fraud. The unauthorized charges are : XX/XX/XXXX XXXX  {$100.00} XX/XX/XXXX XXXX XXXX   {$22.00} XX/XX/XXXX XXXX XXXX {$60.00} XX/XX/XXXX XXXX {$28.00} XX/XX/XXXX XXXX XXXX {$640.00} XX/XX/XXXX XXXX XXXX {$63.00} XX/XX/XXXX XXXX XXXX {$37.00} XX/XX/XXXX XXXX XXXX {$33.00} XX/XX/XXXX XXXX XXXX {$970.00} XX/XX/XXXX XXXX {$36.00} Chase promptly removed the charges from my account after I reported the fraud. My credit card was with me at all times and I destroyed the card when I was informed by Chase that a new account will be created and a new card will be mailed to me. Chase Bank informed me that I was not responsible for fraudulent charges. At the time, I considered the matter closed and put it behind me. 

I received a letter in the mail from Chase Bank 's fraud department on XX/XX/XXXX. According to the letter, Chase Bank is holding me responsible for the fraudulent charges. They are stating that a physical card was used at these locations. They are telling me that this is my fault. I did not authorize these charges. I do not shop at these locations. I have never authorized anyone to use my card. The card has always been in my wallet. There is no possibility that someone could have stolen my card and racked up these charges and then gave my card back to me. I provided these details to Chase Bank and XXXX in the Fraud Department said that there was nothing further that Chase Bank could do for me. 

I reported the fraud to my local police department on XX/XX/XXXX. My police department has provided me with a case number and is requesting video surveillance from the store locations where the fraudulent activity took place.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-08-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NJ)

The company XXXX XXXX XXXX made me believe I was speaking with the department of education about a loan forgiveness program. They were able to access my loan details as well as change the password of my student loan account without me giving any information. They asked for payment information in order to start the relief program. I was charged for 2 payments of XXXX. When I found out it wasn't the department of education I canceled it immediately. However, XXXX  would not refund the charges. I contacted my bank and they told me they are unable to do anything about the charges and I would have to work with the company that made them.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXXXXXX XXXX XXXX  XXXX
Consumer complaint received 2019-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

I signed up for the Citi/AAdvantage credit card in XXXX  and used the card number provided.  I received a paper bill/statement in the mail early to mid XXXX  and paid bill on time.  I received the actual credit card in the mail mid XXXX  which I activated online on XX/XX/XXXX.  At this point the Citibank online website activates your card but automatically toggles the paperless billing option.  I did not want paperless billing & toggled the paper billing option. After completing the online activation I received an email from Citi/AAdvantage that states "Welcome to Citi Online.  Now it is easy to take advantage of all the great benefits of Citi Online, like paperless billing management, alerts, online bill pay etc."  After reading this I was confident I had correctly selected the option to continue receiving paper bills. The next billing cycle comes and goes and I do not receive a paper bill but have received an email stating my payment is past due. Besides an email stating that my statement was available online I received no other emails or warnings until the past due email for which I had already been charged a $XXXX  fee.  I called the Citi bank number on the back of the card and informed them of the situation.  They insisted that I checked the paperless billing option.  I did not.  I spoke to customer service & after they could not rectify the situation asked to speak to a manager who was also unwilling to rectify the situation & waive the $XXXX late fee. This fee was deceptively charged in the first place do to their faulty toggle options on the billings option page of their online credit card activation process.  I fear this is happening to many thousands of consumers & Citi is collecting an exorbitant amount in late fees due to this deceptive process and they should be researched.
Consumer complaint received 2023-04-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK (PA)

This collection company has repeatedly called me for months nonstop which is very disturbing. According to 15 USC 1692c, 15 USC 1692d, and 15 USC 1692b Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number
Consumer complaint received 2019-12-12
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. (NM)

On XX/XX/2019 I submitted a dispute letter with in account with XXXX XXXX but it came back verified. The reason of my dispute is to challenge this erroneous outcome by demanding under section 611 of the FCRA for them to provide me with the method of verification or deletion of this account.
Consumer complaint received 2019-12-14
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. (CA)

XXXX  acct no XXXX is fraudulently appearing on my XXXX  and experian reports. 
the manufacturer, seller and creditor XXXX XXXX XXXX defrauded me on the sale of a diamond ring. 
the diamonds are not genuine gem quality but man made " industrial '' type diamonds and the gold quality is much less gold carat than is stated. 
DELETE THIS ACCOUNT.
Consumer complaint received 2021-08-05
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. (FL)

I have attached an account that reporting to all three of my credit bureaus incorrectly and not accurately, per the FCRA they should be reporting accurately to all three bureaus if they all come from the same creditor. PLease delete this account.
Consumer complaint received 2021-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SECURITY FINANCE CORP (IL)

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). Security Finance Corporation violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), and 15 usc 1681e ( b ).
Consumer complaint received 2021-08-25
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TX)

I have sent a validation letter with National Credit System that was sent on XX/XX/21, after a month I received a letter from another collection agency name XXXX XXXX XXXX XXXX XXXX dated XX/XX/21 collecting the debt of {$1800.00}. They did not even provide a valid proof that the account is mine. Not even with my signature. I have then send couple more letters trying to get the proper documents that I've asked for. But National Credit System never responded to me. please help me with this matter.
Consumer complaint received 2021-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (PA)

The 3 Credit Bureaus are reporting inaccurate information on CBNA ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2023-04-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Turner Acceptance Corp. (IL)

I filed a lawsuit with XXXX XXXX and turner acceptance negligence XX/XX/XXXX I paid the note and bought the account current turner acceptance explain they had there own insurance on my XXXX XXXX  XXXX that was vandeled attached is contaminated fuel in a bowl according to Illinois statue the fuel should be sealed and sent to the department of transportation for examination once Illinois statue was attached to lawsuit ( filed ) turner called and said they would 5ake no further action
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

The following collections are reporting a debt on for a collection that is inaccurate : XXXX XXXX XXXX  {$110.00} and XXXX XXXXXXXX XXXX XXXXThese following accounts have violated my rights. 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 an account without my written instructions 15 U.S.C1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2019-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello I am having problems with alot of Inquries on my Transunion Report. there are Inquries that I did not authorized. its causing me problems with getting approved for loans and Credit Cards. if you can help me, I would Really Appreciate it.
Consumer complaint received 2021-08-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

Company in question MoneyGram Money Transfer service. 
On XX/XX/2021, I requested a money transfer service from my bank account to my receivers bank account, at the time of the transaction I was told by Money Gram it would take 1 to 2 business days. Its been now 2 weeks since I did the transaction and the money has not been transferred, however, they withdrew the money from my bank account. They have been telling me they have a technical issue with the ref. # ( XXXX ) and that they would resolve in 24 hrs. But here I am calling then every day after 2 weeks, and they are retaining my money. And the person I was sending the money to, had never received the money. Customer service is no help, they dont explain what the problem is exactly and they say they cant cancel the transaction and give me my money back. So, I am without my money, and the receiver is also with no money. Money Gram kept the money without a valid reason, besides they dont provide me the real explanation why they have not done what they promised to do. At this time I need Money Gram to refund my bank account for {$200.00} ( transaccin amount ) and then I really need to send the money to my sister by other means. Thank you for hearing my case. XXXX XXXX
Consumer complaint received 2020-01-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

Specialized Loan Servicing ( SLS ) acquired my mortgage about a year ago. They sent me a letter on XX/XX/XXXX stating that my interest was going from 2 % to 3 % starting XX/XX/XXXX because of a loan modification. I was with XXXX XXXX XXXX  XXXX  for 5 years and there was no modification done. On XX/XX/XXXX I spoke with XXXX at SLS and requested documentation for this modification, he could not find anything nor could he find a note and said he would get back with me, never did. On XX/XX/XXXX Spoke to XXXX at SLS and he transferred me to CA dept got disconnected. Called back and spoke to XXXX he created ticket # XXXX and said they have until XX/XX/XXXX to get the documents to me. On XX/XX/XXXX spoke to XXXX at SLS and he said they found note and will mail but no documents to support the modification. On XX/XX/XXXX spoke to XXXX and I requested to speak to a supervisor, she said a supervisor will get back to me within 24-48 hours, no call back. On XX/XX/XXXX spoke to XXXX transferred me to a loan specialist, was on hold for approx. 10 mins and then a recording came on saying they were all in a meeting. Called back later and spoke to XXXX again and he transferred me to a loan specialist and I received another message letting me know they were still in a meeting. On XX/XX/XXXX I spoke to XXXX and he said we are still reaching out to XXXX XXXX, my old mortgage company. He also said I have a revolving loan which I do not. He was very rude and told me just deal with it. At this point I reached out to XXXX at XXXX XXXX XXXX, she was my case worker for XXXX XXXX XXXX XXXX. She is trying to reach out to them as well. I finally received the Note in the mail and it still has the original mortgage company on it from XXXX when I bought the house. I realize that everyone that acquires your loan should have the Note modified with there name on it and I have had several mortgage companies since XXXX and no one has done that. I would appreciate some help with getting the loan modification documents as well as resolving this note issue. I may be almost XXXX XXXX XXXX but I will not be taken by any company. I have attached SLS documents and apologize for all my notes written on them. 
Please let me know when you hear something. 
Sincerely, XXXX XXXX
Consumer complaint received 2019-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST HORIZON BANK (TX)

I am XXXX XXXX, a customer of First Horizon Bank, formerly known as XXXX XXXX  XXXX. 
My Account number is XXXX. This is a personal checking account. When I opened this account I remember there was a promotion going on for joining bonus of {$200.00} and I remember I signed up for that. 
Till date I have not received that bonus.
Consumer complaint received 2020-01-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

My refinance escrow closed on XX/XX/XXXX and the escrow company ( XXXX XXXX XXXX, XXXX ) paid the first half XX/XX/XXXX-XX/XX/XXXX property taxes through the escrow process. This has been verified by a phone call to the XXXX County Tax Collector  as well as a visit to their office. The escrow company collected {$360.00} for prepaid interest ( {$17.00} per day from XX/XX/XXXX to XX/XX/XXXX ). They also collected impounds of {$210.00} for homeowners insurance for 4 months and property taxes of {$110.00} for 5 months property taxes for a total of {$590.00}, but show an aggregate adjustment of {$410.00} for some reason, which leaves a total of {$390.00} that went to PHH Mortgage company for my impound account and shows that total on my first statement from them ( dated XX/XX/XXXX ). I made the first payment of {$910.00}, mailed XX/XX/XXXX ( and received and processed XX/XX/XXXX ) which includes {$170.00} for escrow and the rest for principal and interest. I received my next statement from PHH dated XX/XX/XXXX, showing impounds now at {$560.00}. It also showed a payment to the XXXX County Tax Collector in the amount of {$730.00} from PHH on XX/XX/XXXX. My next correspondence from PHH was " Your Initial Escrow Statement '' dated XX/XX/XXXX indicating I had a shortage of {$720.00} and if I didn't pay the shortage, my payment would increase to {$930.00} on XX/XX/XXXX. I immediately called them and spoke to them and they directed me to their tax collection department XX/XX/XXXX informing of the error and they instructed me to fax all my information to them ( at XXXX ), which I know they received because they had my last name wrong and that was included in the fax and they have since corrected it ( as per the PHH letter later XX/XX/XXXX, that only spoke to correcting the spelling of my last name ). I even included a copy of the XXXX County tax bill which showed the first half taxes were paid XX/XX/XXXX through the escrow company. No response on the tax payment issue. I paid the next payment of {$910.00}, received and processed by PHH on XX/XX/XXXX. The next correspondence I received from PHH was my monthly mortgage statement dated XX/XX/XXXX which shows an impound balance of {$9.00}. I went to the XXXX County Tax Collector 's office on XX/XX/XXXX and the only payment showing on my property taxes were the {$730.00} sent in by the XXXX XXXX XXXX. So where are my impounds PHH supposedly sent to the XXXX County Tax Collector? I overnighted a letter again to PHH to their office in XXXX, NJ, received and signed by them on XX/XX/XXXX and have not received a response from them. I am having trouble scanning documents to the size you have allotted, but can send later.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act, 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. secondly, I have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report.

Incorrect credit reporting, I have an account that is not correctly reported.

Account Name : XXXX XXXX XXXX  Account number : XXXX  You have this account balance as {$25000.00} but the current account balance is {$24000.00} I have attached a screenshot of this account information below