davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

I XXXX XXXX XXXX, that on XXXX18, I went to my bank to attempt to resolve a fraud case that I had filed with my bank concerning unauthorized withdrawals. I have already files complaints with FCC and Florida States Attorney General against XXXX, XXXX. This company/chase bank are taking advantage of myself and wife that are elderly folks. In all we have lost {$120.00} from our little savings that we keep in the checking account being discussed. The bank manager was very helpful but the fraud and claims department at chase bank would not reopen my claim, he even attempted to call the company but he had no luck. I want my bank to recognize that I was ripped off, which at this time they say is my fault. Please help?
Consumer complaint received 2021-08-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PINNACLE RECOVERY, INC. (GA)

{$2000.00} is the amount Pinnacle Recovery ( XXXX ) is claiming which include the XXXX maintenance fees of {$710.00} which as not due until XX/XX/XXXX. I was told by both XXXX XXXX XXXX XXXX and Pinnacle Recovery that {$1800.00} was turned over to Pinnacle Collections in XX/XX/XXXX. Pinnacle Collections then tacked on {$200.00} bring the total collection to {$2000.00}. This amount of {$2000.00} includes XXXX XXXX maintenance charge of {$710.00}. Additionally, they are tacking on hefty fees for XXXX maintenance fees of {$680.00}. I have proof that the XXXX money for {$680.00} was purchased and they received by certified mail on XX/XX/XXXX. We went back and forth and mistruths was told i.e. we applied it elsewhere but they couldn't tell me where or we just don't have it. XXXX XXXX at XXXX XXXX XXXX XX/XX/XXXX ) on a recorded call who initially told me that they did not have the {$680.00} then recanted and stated it went toward other fees but will send me a breakdown and my balance is {$990.00} XXXX difference of {$300.00} XXXX. I had spoken by phone, chat or email and about XX/XX/XXXX XXXX XXXX, XXXX Owner Svcs acknowledged I only owe {$300.00} to Pinnacle Recovery AND she did not indicate I owe XXXX vacations. I can only surmise that they had the payment but what happened to it I don't know BUT it appear that she, others, want to collect for Pinnacle Recovery. My XXXX Account was unlocked in XX/XX/XXXX and I was allowed to pay XXXX maintenance only after I agreed to drop my attorney representation. Fast forward to XX/XX/XXXX when I tried to pay {$710.00} maintenance fees in a timely on XX/XX/XXXX. That was the first time I was told the account was turned over to Pinnacle Recovery. I also had the XXXX tracked the {$680.00} to see who cashed it but no XXXX who I sent it to had not nor anyone else. I just received the replacement money order on XX/XX/XXXX and I have the {$710.00} to pay but I should not be paying for collection fees or finance charges on a payment I sent in XXXX. Year XXXX maintenance fees have been paid and I want to pay XXXX maintenance fees without penalty. Pinnacle Recovery recovery states they do not have to talk to me and XXXX Vacations won't talk to me. I have requested XXXX to resolve and they refuse. The mortgage is not and never had been a problem. I got behind on maintenance fees began catching them up in XX/XX/XXXX and thought resolved in XXXX BUT I feel they are trying to intimidate senior citizens to letting go their time share particularly this one since I got it soo cheap and it's almost paid. I don't think it's a coincidence that oftentimes when I speak with XXXX or Pinnacle Recovery that I get a timeshare resale call. See complaint XXXX. XXXX XXXX and Pinnacle Recovery are working lockstep together. Pinnacle Recovery ( XXXX XXXX ) swears that she do not get my emails after several verifications requesting an account.
Consumer complaint received 2020-05-08
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 — Was not notified of investigation status or results
Company: Preferred Collection and Management, Inc. (FL)

This collection agency is continuing to report erroneous information on my credit report. XXXX ( insurance company ) this debt collector multiple times and advised them that is was illegal to place damaging information on my credit report. The collection agency reps were advised that medical providers have strict limit from the date of service until they stop accepting claims for that service. This provider failed to timely submit the claim despite having all the required information to do so. The collection rep stated during the call that the collection would be removed from my report -However that has not happened as required..
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : 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 2020-05-08
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: Experian Information Solutions Inc. (WV)

Experian Allowed me to report a wrong ONCE It refused to follow up or allow another investigation BUT did allow the company to add another higher incorrect amount owed
Consumer complaint received 2020-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY (NY)

Credit cars got close on XX/XX/XXXX was placed on a payment plan, I pay several payments. Two large one for XXXX each and several for {$500.00} each. Balance is {$4100.00}. They insist that a payment set up which was set up. I call them before they try to redraw the payment and explain due to covid 19and XXXX being shutdown I cant work and I have no money coming in what I have is just for food. I explain I wouldnt be able to pay that right now until my state opens up back. They still try taking the money out, charge my account {$39.00} fee for not honouring payment and also they report to my credit XXXX  on XX/XX/XXXX. I call them they kept insisting they can not stop It and will do so every month once I am late and since my account is close I have too pay in full. 
Please help Me.
Consumer complaint received 2020-05-08
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: Transfinancial Companies, Inc (LA)

on XX/XX/2020I sent 2 dispute letters to transfinancial, inc for a violation that is reporting on my credit report. XXXX XXXX XXXX IS Sharing my content with TRANSFINANCIAL without my consent.This is a violation of the Hippa Law and I would like for these accounts to be removed.
Consumer complaint received 2020-05-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (WI)

A credit card was opened in my name from Best Buy when I was XXXX years old. It has been negatively affecting my credit for years and shows I owe thousands of dollars. I recently checked my credit and was appalled Best Buy has been charging me for years without any notice to me or my guardians.
Consumer complaint received 2020-05-08
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (TX)

I have attempted to correct the problem with Chase finance but they are telling me that the report is correct. I leased my vehicle with Chase last year. On XX/XX/XXXX a payment should of been auto drafted out of my account. I was under the assumption that I was set up on auto pay with Chase. Well apparently not because my lease went past 30 days as unpaid. I received a call from Chase and disputed about the issue. I made the payment and continued to dispute the issue about the auto pay. I've made multiple attempts to try and fix it with Chase but there cusgomer service has not been helpful. Also, I've contacted all three creditors to get the problem resolved.
Consumer complaint received 2020-05-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NV)

On XX/XX/XXXX my Stimulus payment came in to my account. I had a negative balance of {$710.00}. I was relieved to know that I had this extra stimulus money to catch up my account plus a little extra as a cushion. On XX/XX/XXXX Wellsfargo gave my account a TEMPORARY CREDIT in the {$710.00} amount. When I called and asked what this was they stated that it was a temporary credit so that I had access to my full stimulus payment and that I would need to pay the {$710.00} back in 30 days. I asked that they remove this temporary credit from my account as I do not want to be responsible for paying them back in 30 days. I was told I had no choice. After doing my research, all other banks that are doing this are giving their customers 90 days to repay the credit. 

So my issue is Wellsfargo is stating they want their customers to have the full amount of their stimulus so they issued this credit. However, when you have to put aside {$710.00} of your stimulus so that it is available for Wellsfargo to take back in 30 days, how is that helping anyone? I live in Nevada and the State is still not open. How does Wellsfargo think that anyone is going to have the money in 30 days if they didn't have it to begin with? Why is Wellsfargo not giving the Customer the choice? Honestly all this did was stress me out even more having to babysit the money for Wellsfargo.
Consumer complaint received 2023-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I have disputed inaccurate information regarding XXXX XXXX XXXX with TransUnion twice. First on XX/XX/ and second on XX/XX/. I have tried contacting them XXXX XXXX twice and they will not speak to me because I am clearly not the account holder. I am female and he is male. He has also contacted them to straighten this out. Supposedly it is fixed, but the information will not come off my credit report. The account is held by my twin brother and not me.
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX, I receive an email from TransUnion asking me to click to go to their website, to check my credit. I clicked, and at their website, I clicked to sign in, entering my correct TransUnion username & password, and I told : Invalid Credentials : Please Try Again ''. Also, inside my credit report, TransUnion has had my " Personal Information '' section loaded with a fraud alert containing an outdated outdated phone number from more than13 years ago, and TransUnion refuses to allow me to update that fraud alert. Also, TransUnion has posted a ridiculously fake address, a place where I have never lived, never done business with, and never associated with anyone who's done business there or lived there, being many hundreds of miles away from that geographical area of the USA. I found out about the fake address a year ago, at a job interview. I XXXX that fake address, and it was a mental health hospital in XXXX TN. I have contacted TransUnion repeatedly, by phone, by email, by postal mail. TransUnion refuses to report to me who provided the fake address. Yesterday, it took me more than an hour to login, and TransUnion wouldnt allow me to freeze or unfreeze my credit report, with a screen saying Freeze status is UNKNOWN.
Consumer complaint received 2020-05-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WINN LAW GROUP, APC (CA)

On XX/XX/XXXX I found out that I was a victim of Identity theft after Win Law Group ( representing XXXX ) levied my bank account. Soon after, I filed an FTC ID theft report and a police report, trying to resolve this matter. I believe that I have never had any outstanding debt with XXXX and I have never any type of communication regarding this fraudulent account. I was never served to attend the court and defend myself on this matter.Furthermore, my personal information showed on the XXXX XXXX XXXX XXXX is incorrect. 
1. My name is XXXX XXXX XXXX, not XXXX XXXX XXXX. 
2. On XX/XX/XXXX Case the comment was Unsatisfied in XXXX County and on XX/XX/XXXX another comment of Unsatisfied in XXXX County. However, I have never lived in XXXX County of  XXXX County. I only have one address which is : XXXX XXXX XXXX, XXXX XXXX CA XXXX since XX/XX/XXXX. I have tried to dispute this ID Theft issue with Win Law Group and XXXX XXXX, hoping to remove this case and have a refund of the levied amount. However, we have not come to an agreement on this. Therefore, I'm filing this complaint to get further assistance from the Consumer Financial Protection Bureau. Hopefully, we can resolve this matter in a peaceful manner.
Consumer complaint received 2020-05-07
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)

While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies : XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2020-05-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Recently applied for credit with XXXX XXXX for credit with XXXX but I was told by the above bank that a code come back to the bank from TRANSUNION CREDIT SERVICES : : The code is : : " XXXX '' after the bank " Decodes it the statement comes up by the bank XXXX XXXX and it lists the following Statement : '' Credit History Indicative Of Potential Invalid Identity '' Ive been reaching out by phone to Transition Credit Services since last year every time the Tranunion customer agent try to access my credit file its saying by the agent that a specialized agent with their fraud dept is handling my credit file, and that dept is always unavailable ( since last XXXX  ) Im able to leave my phone number so they can return my call, but as of Today : XXXX no one has contacted me back and my issues remain unresolved by Transition Credit Services ! !!

im hoping this complaint may receive some action to get to the bottom of this situation..

Thank You..
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL (TX)

I called creditor ( Syncb/JC Penneys ) to pay amount past due and they said they can no longer collect any money from me as this account is too old and they have already written it off. I have tried repeatedly to get the creditor to mail a 1099 so that I can submit along with this complaint with no success. This account still shows a balance and a past due balance of {$1100.00} and hits my credit report every month as a charge-off. I disputed this with XXXX, XXXX  and XXXX  with no success. 
Please help, Sincerely, XXXX XXXX
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2020-05-08
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)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS.
Consumer complaint received 2020-05-08
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)

On or about mid XXXX I contacted XXXX who handles XXXX of my XXXX XXXX. 
I told them that I was being impacted by Covid 19 and asked if I could make a lesser payment than what was due. 
They said yes, and I paid {$100.00} on each card. 
When I called back in to do the same thing in XXXX, I was told that they had sent my file to collections, and then they reported me as 30 days late on both cards to the credit bureaus. 
The Supervisor I spoke to XXXX at XXXX said he could not help me as I was 30 days late, even though they had agreed to a partial payment. He said it was a technicality which I find astounding in the face of Covid and me voluntarily reaching out to them to make payments.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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.
Consumer complaint received 2020-05-07
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. (NY)

There is incorrect information on a credit report with one of the credit reporting agencies. 
After applying for a credit card with XXXX XXXX XXXX, I was denied a credit card because of the following reason : You have a closed account with an outstanding balance from XXXX XXXX XXXX.
Consumer complaint received 2020-05-07
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)

I recently applied for three different credit cards. I was denied on all three and really could not understand the reason behind it. I knew my credit was good and there was no way. I then pulled my credit report and saw an outrageous list of accounts that do not belong to me. I have never seen these accounts please delete these accounts from my report.
Consumer complaint received 2021-08-17
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. (GA)

Equifax is reporting one of my installment loans twice. They only one of the 3 credit reporting agencies that is reporting this same loan 2x. I asked them to correct my credit report and they have not. I opened a loan with XXXX Bank on XX/XX/2021. It shows all payments made on time. The exact same loan appears on Equifax a 2nd time also showing opened XX/XX/2021 shows having no payment history but current. By them reporting this loan twice it is effecting my credit score making it seem I have more debt.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.