davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-25
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. (NY)

On XX/XX/year>, I received notifications from CHASE BANK that my debit card was being charged on XXXX for some unauthorized purchases totaling about {$170.00}. It was charged a total of 4 times and my account was locked. Username changed and password changed. I disputed the charges with Chase bank first and they reversed the charges pending investigation. Now they reinstated the charges and said that they were authorized. when I called XXXX and told them my account was hacked they had to unlock it and recover it for me. But because I called my bank first to dispute the charges and it was reversed and reinstated by the bank XXXX claims the fund are now non refundable. Neither Chase or XXXX are doing what they are supposed to do. Which is to help their customers against fraud and situations like this.
Consumer complaint received 2018-04-16
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: NATIONSTAR MORTGAGE LLC (VA)

Despite multiple requests, the unverified item with Nationstar, inaccurate payment status, and inaccurate creditor contact information still remains on my credit report in violation of Federal Law. I have contacted Nationstar via mail and have returned undelivered mail with inaccurate address on file, and via phone Nationstar has told me I never had account with them. XXXX is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct which they deny that they dont have to have documentation on file. In the results of your previous investigation and subsequent re-investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law, I'm a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. XXXX is also reporting incorrect contact information, and payment status on report for the Nationstar creditor.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KY)

On XX/XX/XXXX I paid XXXX XXXX {$1100.00}. This payment changed my account balance to XXXX. I have disputed the account balance information with all three credit bureaus multiple times. The last dispute was submitted on XXXX  and the results show that the account balance is correct-meaning that I still owe XXXX dollars. I contacted XXXX XXXX today XX/XX/XXXX to ask why my credit reports have not yet been updated I was told by the representative that my information was sent to the credit bureaus on XX/XX/XXXX and shows that I have a XXXX balance. 

After calling XXXX XXXX I contacted XXXX by phone to see why the account is still showing a balance. I was told by the XXXX representative that XXXX XXXX sent them an update on XX/XX/XXXX showing that I still owe XXXX dollars. 

I have made several disputes online, and several phone calls with XXXX XXXX as well as all three credit bureaus. None of them are updating my credit reports to show that this debt has been paid in full. I was denied for a business loan because this information is incorrect.
Consumer complaint received 2024-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (FL)

The below transaction I did not receive the cash from the ATM. I wish to dispute this transaction. 

- {$190.00} ATM Withdrawal XXXX, XX/XX/XXXX XXXX XXXX  Normally the ATM prompts about currency conversion ( it's in XXXX ) before dispensing money. Instead of this screen, it had a white screen for a few seconds and then gave a generic error with no details. The wording was something like " an error occurred '' and ejected my card. There was no error code. 

I assumed that I hadn't been charged because it didn't ask about currency conversion. No receipt was provided. 

There are tons of cameras in the bank and I can provide contact info. I was told by the ATM provider to contact my bank. 

I made a claim XXXX days ago that was rejected. I'm sure this is a mistake because there is no way this was investigated in XXXX days.
Consumer complaint received 2024-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (CA)

my main branch is in XXXX XXXX XXXX XXXX XXXX XXXX ( US bank ) my checking account was lock in XXXX XXXX i have been call and speaking with the branch manager and bank agent every month since it been lock. i been waiting for them to unlock my account and gave me access to my funds. i been waiting for XXXX. at first they said they are investigating my account and told me to wait. they keep on saying nothing they can do but wait for other departments to respond.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

I notice on my credit report accounts that I did not authorize or have not been verified. I filed an FTC report due to information exposed in XXXX XXXX, please remove all accounts below. 


* Inquiries : 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-08-18
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. (FL)

I am writing to dispute inaccurate personal information on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681. The information on my report contains errors that need immediate correction. Below, I have provided correct information that should be reflected on my credit report : Name : This my legal name : XXXX XXXX. 
Date of Birth : XX/XX/year> Address XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX. 
These errors have caused significant inconvenience, and under the FCRA, I am entitled to have this information investigated and corrected. Section 611 of the FCRA, 15 USC 1681i, requires that you conduct a reasonable investigation into my dispute and correct any inaccuracies or delete unverifiable information.

Please find enclosed the following documents to support my claim : A copy of my identification [ e.g., driver 's license, passport ] showing my correct name, DOB, and address. 
A copy of my bank statement I request that you : 1. Investigate the inaccuracies and correct or delete the incorrect information.

2. Update my credit report to accurately reflect my correct personal information.

3. Provide me with a copy of the updated credit report once the errors have been corrected.

4. Inform me of the outcome of your investigation within 30 days, as required by law.

Please note that failure to correct these inaccuracies may result in further actions, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies.

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that these issues have been resolved. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Consumer Adjustment Company Incorporated (PA)

Sometime in XXXX of XXXX  I purchased tickets from XXXX XXXX  via the Membership. My family & I went once! Which was on XX/XX/year>, we had made plans to comeback on XX/XX/year>. But since it never happened I wanted to stop the membership payments, yet I noticed they already took the money from my account. I called multiple times, Ive reported it multiple times & I just simply wasnt getting my money back. I stopped the payments & deleted the account XX/XX/year>, so when I noticed a {$68.00} payment from XXXX XXXX  come through I was confused. Now they are reporting that I Owe them {$840.00} which is false! Im trying to find myself a home & I can not with this on my background. Its not fair to me nor to my child. I have to get this resolved ASAP! I have to be out of here by XXXX.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Informative Research (MS)

On XX/XX/XXXX and XX/XX/XXXX of 2023 I was working with an agent of XXXX  at the time. I filled out an application online, but never went through with it. I found out later that the real estate agent XXXX XXXX had ran my credit without my permission or consent. I contacted her and asked her to have this removed because I never granted her permission to do so. XXXX XXXX stated she would contact all three credit borrows and have this information removed. Its been almost a year later and these hard inquiries are still on my credit. After contacting their customer service department, I was told there was nothing they could do because even though I didnt give consent for them to run my credit with an application being filled out, they had every right to do so, and I was also told that I cant see that information when doing so, but they can. I have an email from XXXX XXXX stating she was going to have these inquiries removed from all bureaus.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Trans Union would not allow me to log in or change my email address as I could not access my old email. I was forced to opt for the text which proved unproductive as they required authentication. I attempted to call TU, every minute bot kept asking me to hold or they would call back. After 10 minutes I finally gave in and selected option 2 to call me back. Then the bot kept repeating my phone number and asking me yet again to enter it without acknowledging. They keep adding information for two XXXX loan servicers - XXXX - XXXX XXXX  and XXXX XXXXXXXX. I have disputed these numerous times yet they keep removing then adding back. My dispute statement which they only allow a one sentence response and do not offer a box " all of the above : '' " I dispute all of the above. Fraud : no evidence I took out a loan or made a payment in 2019 or ever. I never received a bill in the mail, verification of loan documents with wet ink signature, supposed school I attended, etc. Please delete this. '' Experian After logging in, XXXX would not allow me to change my email address or phone number for disputing credit information. Their phone system also would not allow me to talk to a human or submit feedback regarding the dysfunctionality of their site, which appears to only be used for ads to get people to purchase their products, WHICH IS A HUGE CONFLICT OF INTEREST. The button was faded and would not allow.
Consumer complaint received 2023-09-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: General Motors Financial Company, Inc. (GA)

This debt is impacting me negatively in a huge way. This debt does not belong to me and according to FCRA 15 USC 1681 I am owed an accurate credit report. This creditor has not proved the debt belongs, and the company didnt send me an original contract with my name and signature on it. Please remove this from my credit report and stop all selling of this debt
Consumer complaint received 2024-08-08
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: ACIMA CREDIT, LLC (FL)

RE : 15 U.S. Code 1681b - Permissible purposes of consumer reports To Whom it may concern.. 

Company : Acima Digital FKA Account number : XXXX You are in Violation of furnishing my consumer reports to person/s that do not have any permissible purpose or any legitimate business reason to receive those reports which is a clear violation of my right to privacy. 

Under 15 U.S. Code 1681b - Permissible purposes you must receive written instructions from me to release my information to third parties such as ( XXXX, XXXX and XXXX ). 

I request that you send me proof of the letters I have sent in writing to you ( Acima ) authorizing my personal disclosure to third parties and authorizing the permissible purpose, it is my right as a consumer to receive written proof under the ( FCRA ) within 30 days of receipt of this letter as provided by law. 

If the company Acima can not provide proof of my written authorization for permissible purposes under 15 U.S. Code 1681b within 30 days, the account must be immediately removed from my credit report XXXX, XXXX and XXXX. 

I have been damaged as a result of your failure to follow the law I am requesting the DELETION IMMEDIATE of ( the creditor mentioned above ).
Consumer complaint received 2018-08-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (PA)

Last year I fell a little behind in my mortgage due to health issues and financial loss, I contact Mr. Cooper who was assigned to take over my mortgage from XXXX XXXX in which I was not made aware of that change until XX/XX/XXXX. 

So for months, I was explaining to them of my hardship and they stated they would work with me I thought I was approved for loan modification in which I started to make payments of XXXX in XXXX. While trying to following there online system which failed when trying to make payments it refused mine and thus being said they denied my modification and now they have placed me for foreclosure. 

This company is hard to get on the phone and I am so frustrated I never had a problem with XXXX XXXX and I never missed any payments until last year and now they are telling me the XXXX XXXX has my loan and there is nothing to do. Please help me I am able to make payments now if they would just work with me.
Consumer complaint received 2024-08-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants Credit Bureau, Inc. (GA)

I am requsting method of validation? I am unaware of this debt with collection ageney. I didn't have the opportunity to dispute this information. If in fact you believe you gave me proper notification then please send me the certified reciept with my name and signature on there stating that I received notification.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Why until now these negative accounts are still here it's been a while since I've done this I have filed a complaint with the FTC for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter.
Consumer complaint received 2024-08-03
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (PA)

Saw partial return on security deposit and rewards balance disappeared. Attempted to use my card and it was declined. All payments have been on time ( early actually ), never went over my balance, and I was not notified about closure. Received an email on XX/XX/24 about being on track to get my deposit back and graduate to unsecured card. When I contacted Discover today XX/XX/24 they said my account was closed on XX/XX/24, less than a week from an email stating my on time payment progress. They said a letter was sent but it hasnt been. I declined providing my address for another to be sent as I clearly was not given notice or reason for the closure. Im trying to rebuild my credit and this is just going to make it worse by dealing with a deceitful company.
Consumer complaint received 2023-12-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: U.S. BANCORP (NV)

I am writing to bring to your attention an old late payment issue that occurred on my account, and I would like to clarify that it was not intentional on my part. 

The payment in question was scheduled as an automatic payment, and I rely on this method to ensure timely payments. Unfortunately, there appears to have been a glitch or issue with the automatic payment system, leading to the late payment. 

I appreciate your understanding and prompt attention to this matter.
Consumer complaint received 2023-03-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

I'M SUBMITTING A COMPLAINT REGUARDING MY XXXX XXXX  ACCOUNT WITH RECENT LATE PAYMENTS REPORTING FOR XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX, AND I DON'T RECALL BEING LATE AND ACCORDING TO MY RESEARCH DEALING WITH LATE PAYMENTS AND BECAUSE OF XXXX XXXX AND THE HEROES ACT THIS HAVE NOT SHOULD BEEN REPORTED. 


I'M SUBMITTING A COMPLAINT REGUARDING MY XXXX XXXX XXXX ACCOUNT WITH RECENT LATE PAYMENTS REPORTING FOR XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX, AND I DONT RECALL BEING LATE AND ACCORDING TO MY RESEARCH DEALING WITH LATE PAYMENTS AND BECAUSE OF XXXX XXXX AND THE HEROES ACT THIS SHOULD HAVE NOT BEEN REPORTED.
Consumer complaint received 2024-08-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

We tried to send money to a family member, XXXX XXXX, and to make sure we sent to the right person XXXX sent us a request for the money. We have attached a copy of that request below, which is from XXXX XXXX, XXXX. We responded to the request and sent XXXX on XX/XX/year>. XXXX XXXX, the intended recipient, confirmed to us he did not receive the money, and we checked with him every day as we thought maybe it had to clear with the banks given the amount. By XX/XX/year> when he still had not received the money we tried to reach out toPaypal, but could only correspond through email, so we filed a claim with XXXX XXXX XXXXXXXX. 


The Chargeback Response Form information that we received from XXXX XXXX XXXX shows a : Seller name : XXXX XXXX with a Seller email address XXXX. First of all, we were not buying a service or good, we were sending money to a family member, named XXXX XXXX, however XXXX email address is XXXX. 

We believe fraud has been committed as the intended recipient, XXXX XXXX, XXXX, has not received the funds and they are not a seller nor is their email XXXX.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I am reaching out to inform you that I have recently fallen victim to identity theft, which has resulted in several fraudulent entries on my credit report. These 9 unauthorized accounts and 9 inquiries were added without my knowledge or consent. 

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  I have already reported this incident to the Federal Trade Commission ( FTC ) and now urgently request that these fraudulent items be removed from my credit report immediately.
Consumer complaint received 2024-08-01
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (TX)

On XX/XX/XXXX, I called Citi to see about reducing my interest rate on my credit card. The representative told me they couldnt. I ask them what would happen if I closed my card with my interest rate and they said they would check on that. They put me on hold and then I was disconnected. I found out a month later my card was closed without me confirming or saying I actually wanted card closed. I called in XX/XX/XXXX that I would like my card reopened because I never requested it to be closed. The representative told me they would check and send me a letter if they could. I received a letter theyre going to leave credit card closed. Now my credit utilization on my credit report went way up and my credit score was reduced XXXX points. Im now not able to get a low interest rate for a vehicle.
Consumer complaint received 2024-07-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I have asked multiple times to have items investigated, and removed. They keep saying " it's not valid '' provide proof, etc. I have given them, ID, SS Card, Police Report, FTC Report, address verification. AND STILL they refuse to look into my claim of fraud. I am a retired armed services member and I live on a fixed income. This is like being victimized over and over gain by the bureaus as well as the fraudsters.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.