davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-21
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. (GA)

On XX/XX/2020 my credit card account was used to make a purchase from XXXX for {$2000.00}, discovered this transaction after being out of the state and stuck due to Covid 19, reported the said transaction on XX/XX/2020 and Chase bank denied my claim insisting the charge was authorized and non fraudulent. 

How can charge be authorized when I haven't been home for months, I expect my card company to protect me when such a thing happens instead of standing behind a fraudulent charge. Horrible, Horrible service!
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My wife and I filed for Chapter XXXX bankruptcy on XX/XX/year>. It was dismissed on XX/XX/year>XXXX XXXX XXXX days later. All XXXX credit bureaus continue to post the bankruptcy on my report. They state they can report it for a total of XXXX  years. I wrote a good-will letter to each agency asking them to please remove this non-event to no avail. I never filed ever. I am not able to get approved for standard rate loans or insurance.
Consumer complaint received 2020-03-06
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: AMERICAN EXPRESS COMPANY (LA)

I purchased two large item with my AMEX card because of the extra benefits that came with the purchase. In XX/XX/XXXX I purchased a riding mower for {$2500.00} with the card and it was cover by Amex purchase protection and extended warranty. from the beginning I had problems with the purchase and could not get it returned to the manufacture nor get it repaired because it was out of state. There was no repair shop within 200 miles to repair the unit, so I filed a dispute with AMex of these issues and hopes they would permanently credit my account.

Second, when I received a temporary credit I went ahead and ordered a different model riding mower costing me {$2600.00}, low and behold within two week the mower would not crank and they had to send someone out to try and get it to work, at that time I told them I just purchased it brand new and did not want to deal with a mower being in a shop for a month, that I prefered a swap out or my money back, the manufacture said they could not do that because it was a large item. So I called amex and told them of the story and I was advised to file yet another dispute under amex satisfaction policy to get my money back and we did for this mower also. to recap both mowers fall under amex policy for buyer dispute and warranted a claim and i followed proper procedure. Well, after filing both disputes with the help of amex there was a total of {$5100.00} in disputes that amex said i qualified for to be credit back to my account based on their policy and the benefits of my card. Several months pass by and I then start to receive bills with these large min. payments due, when I call amex I am told that the disputes were credited back and I had to resubmit them even though amex rep. submitted them with me, so I resubmitted the disputes. After doing so, amex then started saying my auto payment checking account was not working and was being declined by XXXX XXXX, I went to XXXX XXXX and got a letter to prove that no checks were ever NSF from XXXX  and amex still blame my account for the returned checks. A month later, I received a letter from amex saying my account was closed due to returned payments from my checking account at XXXX XXXX, even though they had proof of my statments and letter from the bank. I was with amex since XX/XX/XXXX. after the account was closed amex then sent another letter demanding full payment of both disputes.
Consumer complaint received 2020-10-27
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. (FL)

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you.

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files.

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The
following items need immediate attention : XXXX XXXX XXXX  acc number XXXX I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (PA)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Consumer complaint received 2020-03-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (WV)

We have a Home Depot Consumer credit card through Citi Bank. A few years ago I received a phone call about the card and they asked if I wanted to be set up for autopay and I did. XX/XX/XXXX I went on my Home Depot account online to pay the balance in full before the autopay was to come out on XX/XX/XXXX. The online balance on my account was {$730.00}, so I entered by new bank account information and paid it off. The phone autopay was set up to pay on our old bank account. On XX/XX/XXXX the autopay of {$28.00} was paid. On XX/XX/XXXX the payment was reversed because they tried to deduct it from the old bank account. I received an email XXXX XXXX that my Home Depot Statement was ready to view. Thinking this was odd since I had paid it off in XXXX and had not used the card I went to my online account and there was a balance of {$140.00}. I looked back to XXXX and saw my payment of XXXX and the XXXX payment and reversal. Looking at XXXX, XXXX, XXXX, and XXXX statements we had been charged late fees, interest and processing fees from the XXXX reversal. I called Citi to find out what was going on because I had paid the balance in full online. We were told that the online balance on XX/XX/XXXX was minus the autopay of XXXX that was set to pay on XX/XX/XXXX. We explained that seemed very deceitful and asked that all of the fees and interest be reversed and we would gladly pay the XXXX that we owe. The customer service rep apologized but said there was nothing they could do. We asked to speak to her supervisor, who offered to waive one of the late fees leaving us with a balance of XXXX. We then asked to speak to executive manager. He proceeded to tell us this was normal practice. We argued that we were set up on autopay on many cards, which we paid off online with no problems at all, even another Citi Card. The only resolution we asked for was for them to back out the fees, get it off our credit report and we would pay the XXXX and they would not accommodate. They said they would escalate to their corporate office, but there was nothing they could do. They also have our current bank account information on their website since XXXX. Apparently their autopay set up by phone is completely different than autopay set up online. We communicated to them we would be in contact with our states Attorney General.
Consumer complaint received 2020-03-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc. (MD)

I had received a loan from XXXX XXXX/Money Lion for XXXX dollars on XX/XX/2019. The payments of which were XXXX a month. From XXXX until XXXX, the only money that was applied to the loan out of XXXX that I had paid up until XXXX was XXXX. So I called and asked for a break down or statement of what the payments and how much was going to what, with no success. I was told the contract did that. So I had called Money Lion with intent to pay off the loan with some money I was supposed to get, but I did not get all of the XXXX that was the balance. So I called Money Lion and explained I could not pay all of it as I had intended and they informed me that they could not reverse it and would have to reinstate the loan and I would have to wait until after the XXXX of XXXX. When they reinstated the loan in XXXX, they had added XXXX to the loan, taking it from XXXX in XXXX to XXXX in XXXX. I have not missed but one payment, which was in XXXX and they more than doubled what the loan balance was on XXXX the XXXX. Even after paying in XXXX as you can see, nothing is coming off of the loan and the loan has more than doubled for what reason I have no idea. 

This is a list of my payments of which I have proof from

bank statements. XX/XX/2019
XXXX  ; XX/XX/2019 XXXX  ; XX/XX/2019 XXXX ; XX/XX/2019XXXX ; XXXX Missed payment ; XX/XX/2019 XXXX ; XX/XX/2019 XXXX ; I have asked for a statement of payments and monthly balances and they will not give me one and the only thing I can see is what I have taken a picture of and attached to this complaint.
Consumer complaint received 2020-03-05
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. (AR)

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX XXXX XXXX {$560.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX   XXXX {$1100.00} XXXX  XXXX XXXX  XXXX {$860.00} XXXX XXXX   XXXX {$470.00} XXXX  XXXX {$1800.00} XXXX  XXXX  XXXX {$3500.00} XXXX XXXX XXXX  XXXX {$920.00} XXXX XXXX  XXXX XXXX XXXX {$2700.00} XXXX XXXX  XXXX {$630.00} XXXX XXXX  XXXX {$760.00} XXXX/XXXX  XXXX {$1700.00}
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Resolution Services Inc. (TX)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : 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 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 2021-01-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Upstart Holdings, Inc. (NJ)

Due to a long-term hardship caused by Covid, my financial situation has been severely impacted. I have successfully negotiated lower payments with all of my creditors ( extended length of term and/or reduction of interest rate ) with the exception of one company - Upstart. Upstart offers a hardship plan which consists of 2 missed payment at which time the third payment then becomes bigger than the original payment because it has the late fees and payment built into it to make up for the 2 " missed '' payments. I have participated in the plan twice, but then realized that this put me in a worse situation long term, because the third payment was always going to be much bigger than the original missed payments. I tried unsuccessfully to negotiate a reduced payment or other option but the company insisted I had to once again apply for the same hardship, which does not make sense because I will always be in a worse position after those 2 " missed '' payments. I finally contacted an attorney to intervene because I want to continue paying but can not pay the even higher payment that is now demanded. Upstart told my attorney that the account has to go into Charge Off status ( after 120 days ) for them to review the case internally or sell it to a Collection Agency. This makes no sense, since after 4 months they will have permanently ruined my credit and I a willing to pay NOW. I just can not pay the even higher payment they are demanding. The company is completely ignorant to what consumers impacted by Covid are facing.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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/year>
Consumer complaint received 2020-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (IL)

I have contacted the bank on many occasions to have the department to contact me concerning the events. this started with enterprise rental car, I had a rental due to a damaging my car. The person 's insurance paid for the rental portion of the car in full. The only thing I was to pay for was a {$50.00} deposit. I contacted the bank after I noticed charges were put on my card from the rental car. i contacted them which was their main reservation department. I was told they would follow up never did. I contacted the bank disputed being overcharged. My act was credited for that amount. I was sent a letter stating the charges were accurate they would be reversing the charges. I then called ask that the investigation department contact me they would take the information tell me that it had to emailed they would contact me, that never happened I called on three different occasions. I eventually realized no one would ever contact me, so I did my own investigation. I went back to the enterprise office spoke with the manager he agreed I shouldn't be charged the insurance company paid the full balance of my rental. He creditied back my Navy federal card. I then call the bank and metioned this told them i got this done in less than ten minutes. Why weren't they able to resolve this? The investigators were supposed to be working on my case. However I aske that they remove the fees my account has accumulated because of this. The agent I was speaking with said she would remove two fees, I told her i would not accect that this could have been resolved months ago had they followed through, she again transferred me to the manager voicemial but of course no one has contacted me until this day. I want the fee removed from my account. They didn't do anything to help me as a customer of Navy Federal, I'm telling them this company charged me amounts they werent supposed too, If I would let it go my money would just be gone. Navy federal made no efffort to attempt to make sure I wasnt being overcharged,
Consumer complaint received 2020-03-05
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. (CO)

Equifax and XXXX  are reporting incorrectly an account where I am shown as an Authorized User on XXXX  - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.
Consumer complaint received 2020-03-05
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. (NJ)

initially sent a dispute letter XX/XX/2020, with a picture of id and social security side by side and a bill and got no response. Then I sent another letter XX/XX/2020 certified mail. again with a picture of id and social security side by side and a bill. there reply was they cant locate my account and asked me for the same information ( id, social security, bill ) That i already sent. This has been well over 60 days of my initial letters and feel as if I am being stalled.
Consumer complaint received 2020-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XX/XX/XXXX I got an e mail stating their was unusual activity on my account. My card had been used in ATM at the XXXX WA  XXXX, successfully draining my account of {$1000.00} in total. There were two withdraws of {$300.00} and two of {$200.00}. I immediately called and filed a claim with the Bank of America fraud department and a bit later went in to the bank and talked to one of the bankers about the situation. I was relieved to hear that they would put the money back into the account while they did an investigation. The woman at the bank assured me that there would be no issue or chance of my money not being reimbursed and the woman at the bank even went as far to tell me, " We don't even really investigate for fraud under {$5000.00} ''. I was shocked when I received a letter from Bank America yesterday stating that my case is closed and that their " records show the transaction activity in question was authorized and posted correctly to your account. When I spoke with a gentleman in the fraud department this morning I was told because the bank has no way of knowing how the their got my pin number they can not verify fraud. How am I suppose to know how a criminal got my pin number. I am so upset. You trust your financial institution to keep your money protected and they have not done anything to even try. I asked for copies of the documents that they relied on to make their decision and was told that there was none. Basically, they did absolute nothing and my family is out over {$100.00}. This is not acceptable. My husband and I were confident that if we ever had the misfortune of being victims of fraud our bank would protect us.
Consumer complaint received 2020-03-05
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. (RI)

Experian has a record on my credit report of a debt, now paid but paid late and having gone into collection, for XXXX in 2017. I never had XXXX, my info was stolen from Experian 's own data leak I am guessing, so they simply " updated ' account because the hack/fraudster paid the bill. I did not. Still on my report. Experian will not remove it.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2020-03-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (FL)

I found a debt collector under the name of I.C. System, Inc. on my experian credit report, attempting to collect a debt for " XXXX XXXX XXXX ''. I have no knowledge of this debt. They have not sent me anything in the mail to make me aware of the debt, nor have they tried to call. I disputed this through XXXX, but they reported that they have confirmed the debt. How do you confirm a debt and I have not heard from anyone about this at all and have no knowledge of any of this?