davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (UT)

Hello. 
Last XX/XX/XXXX I sent {$500.00} dollars trough XXXX, the authorized electronic money transfer option Chase Bank added to the Chase App. 
After I sent it I spoke to the receiver. Someone I Know. She said that her telephone number did change so I immediately changed it on my bank 's XXXX contact app and called the bank to explain the situation since the transaction wasn't final. 
The Chase bank customer representative told me that it would be better if I wait and if the money didn't ends at my friends account they will submit a claim. 
For my surprise it didn't happen. 
I contacted the bank to request a refund. They answered they just can't because it is customer 's responsibility to check on the accuracy of the recipients. 
So then, what banks accounts and fraud protection mechanisms are for? 
They leave us, customers, helpless and with the feeling that this is a scam backed up by the banks. 
I truly hope that any government institution protect us against that greedy and fraudulent use of our money. 
Thanks
Consumer complaint received 2023-09-24
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: Experian Information Solutions Inc. (NJ)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2024-04-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Ensuring punctuality in my payments on this account has always been a priority, never allowing them to lapse into overdue status. The existence of late payment remarks on my accounts perplexes me, and I seek clarity on this matter. According to 15 USC 1666b - Billing Error, rectifications should be undertaken.
Consumer complaint received 2024-03-18
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: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-03-18
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: Experian Information Solutions Inc. (VA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NJ)

XX/XX/XXXX, I had sent payments through Paypal and gotten scammed by the " merchant ''. There were two payments of {$25.00} sent via paypal and i would like to get these transactions cancelled or refunded. XXXX and XXXX are the paypal transaction ID 's. I had called my bank account and they were unable to issue refund. I had called paypal and they were unable to issue refund.
Consumer complaint received 2024-03-18
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: Experian Information Solutions 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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-18
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (SD)

I signed up for a JC Penny credit card with Synchrony Bank a couple years ago. It is not used often. I just received a notice that they have updated their policy that they will be charging to receive paper statements as of next month. The fee is {$1.00}. Although the size of the fee is small, it is a fee which punishes consumers for managing their finances. 

For those that don't review statements religiously it could be easily missed. Otherwise it essentially is nudging if not forcing customers to use online statements only. Computer ownership is common nowadays however this policy is essentially requiring people that want to use their store credit card to own a computer and have internet. Should a customer want a paper copy for their records they would also need to own a printer. 

However my largest concern and my personal issue with this is this new policy forces a customer to manage finances online. Companies have IT departments that are constantly working to keep themselves safe but there is no way to guarantee security. I don't have an IT department on my end. I can not explain how a computer works or how the internet works or how a hacker works, etc. I do know that anything online is exposed to risk. Literally a few minutes ago I received a message that my data was compromised from another company I have business with. Some hacker got info from millions of their customers in the blink of an eye. I have had a bank that had a computer glitch and it erased a deposit made months before. They had no record it was ever received. I had my bank statements they sent me. Because of that they found the computer error and also multiple other customers affected. There is nothing anyone can say that will ever convince me online is safe. 

This policy could also be discriminatory against aged Americans that have been managing and paying bills via mail their whole lives. It essentially requires customers to " get with the times or get out ''. 

I work in finance. One thing that is and always has been the truth is people that manage their finances online are much less likely to actually review statements. They are lazy. This is not an opinion but a financial truth that online users are much more likely just to check the balance and never review a statements item by item. People from older generations learned how to balance a checkbook and reconcile their accounts with their statements. For example : there are commercials advertising apps that search your finances for things you are paying on and not using. This is a chronic problem with the younger generations. Thus discouraging paper statements engenders more errors going uncaught. 

I am employed in the financial industry for many years including financial crimes. Over the years I have seen and spoken to thousands upon thousands of customers and have noticed consistently that people that manage finances online are far more likely to miss errors and expose themselves to risk.
Consumer complaint received 2024-07-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo declined credit card application based on an outdated credit report/score. 
The initial application was sent on XX/XX/year> ; XXXX more reconsideration attempts were sent and they were denied. The most recent application was sent on XX/XX/year>. 

Turns out my credit report with XXXX was not updated till XX/XX/year>. The update contains favorable new information. 

I was informed by Wells Fargo that the only credit bureau that will be considered in their underwriting is XXXX XXXX. 

In both my reconsideration requests I explicitly indicated that in the new report my credit report and score are updated. However, the notification letter I received ( in the Fair Credit Reporting Act section ) indicated that reconsideration decisions were still based on the old, XX/XX/XXXX, report. 

Contacting XXXX proved that the only, single Wells Fargo inquiry on my report occurred on XX/XX/XXXX. 

This brings me to complain that Wells Fargo Card Services is not obtaining latest credit report in underwriting, despite my explicit request and acknowledgement from their customer service representative to do so. 

For a desirable resolution, I'd like Wells Fargo Card Services to consider the application with the latest credit report/score from a credit bureau, and continue provide appropriate notice associated with the outcome of applications. 

Credit card account application # XXXX
Consumer complaint received 2024-04-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I understand that FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies, which is causing me discomfort.
Consumer complaint received 2018-08-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

This nightmare started when the broker mortgage from XXXX gave us a loan tu buy this property, he said this is a good loan and they called Pick a payment .This form of is very bad, because if the loan officer does not explain well about the facts and the whole concept of this loan.Its dangerous of sending the minimum payment because if we did, the payment does not cover the principal and not part of the interests and it is like not paying anything.If we understand well this loan, we would no have to bought this house.After that XXXX   closes for made that kind of loans .My loan was transferred the Loan to the XXXX XXXX XXXXXXXX and we have to fight with them in order to get a other kind of loan because this loan we have was illegal, with the house crisis the property became underwater like a half price but nothing happen .I am in the loan, but the payment was made by me and my father. We had a hard time when my father suffers a XXXX XXXX very serious .We lost his income and I tried myself continue with the payments .But the medical expense were very high I talked to the bank for some kind of help, because I can in that moment continue with the payments, that situation can be temporarily, also my father come in XXXX for several months the bank accepted a new application because my father past away and we need to restart the loan payment, but Nationstar take 2 years in the new modification and never allowed to send the payment when we are ready to continue with the payments .in the middle of the negotiation the again transfer to another bank without telling us anything, also in that moment I want to file a complaint that because they had cancelled my home insurance and had ordered another very very expensive one with minimum protection and very high deductible.With all this I felt that this purposely delayed the modification, because they wanted to us to loose the house .I and my family have a real hardship with illness and deaths that was real.The new Bank called Mr Cooper has the responsebility to fixing this situation, And now I get married and this change all.I need the bank remove all the illegal charge they charge to my loan because this illegally increase the amount of the loan .With all this I want to request a new loan with a fairly monthly payment .I just do not want my senior mother, my XXXX sister and his baby became a homeless for many illegal o errors of the banks.I have had some lawyers checked the entire loan and find serious errors since this loan was started.The rent of the apartments are very high in this area and I could not help my mother .my sister and his bb to pay for a home for them .That is my request to keep the house, the only house we have for me and all my family Thanks for your time and hope we keep our house.
Consumer complaint received 2023-04-18
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)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file
Consumer complaint received 2018-05-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (MD)

Approximately 10 years ago, I obtained a mortgage with XXXX, XXXX XXXX XXXX. Every month since the commencement of this loan, I have paid the hazard insurance premium on the property on my own, rather than having it escrowed. My insurance payment is currently {$420.00} on an annual basis and paid by me directly as part of a package of properties I own to the insurance agency, XXXX XXXX XXXX XXXX ( email from XXXX XXXX of XXXX attached p 16 of 16 ). 

Since this loan 's inception, my monthly mortgage payment that includes the amounts of principal, interest and real estate taxes has ranged from about {$680.00} to {$690.00} per month, depending on fluctuations in the real estate tax assessment. In XX/XX/2017, after an escrow analysis, the successor company to XXXX XXXX XXXX, now Mr. Cooper ( also known as XXXX XXXX XXXX ) increased my monthly payment amount from {$680.00} in XX/XX/2017 to {$2500.00} for XX/XX/2017 ( see Mr. Cooper Posted Payments document ), and demanded me to esrcow my hazard insurance, despite the fact that I had already paid the annual premium for 2017, and had been paying directly the annual premiums for over 10 years. 

In addition, Mr. Cooper incorrectly increased my hazard escrow to {$9500.00} annually. While my total bill to the insurance agent, XXXX XXXX might be {$9500.00} annually, such amount includes properties in addition to the one subject to the mortgage with Mr. Cooper. Lastly, during a phone call with an agent of Mr. Cooper, I was requested to pay {$6800.00} towards the insurance escrow, and sent in a check for that amount, but I can not see from the records or information that Mr. Cooper provides where that {$6800.00} was applied. ( My check # XXXX attached p 15 ).
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (CA)

Per 15 usc 6802, 16 cfr 313, 317 F. Synchrony bank has a obligation to provide each consumer with proper notice on opting out of sharing non public personal Information to non affiliate 3rd parties. Which Congress has defined under title 15 of the US code. Synchrony bank and XXXX are Sharing my non public personal information without my consent. Per the fair credit reporting act as a federally protected consumer I am now opting out of any and all authorization i the consumer may have given you written unwritten verbal and non verbal per 15 usc 6802. Additionally, XXXX has provided inaccurate information to my credit file on which synchrony bank has taken a adverse action against my account by closing it without reasonable compensation for the usage of my securities which I understand according to synchrony bank XXXX filing with sec, synchrony bank is in fact XXXX out my account balance each much for the pooling of my securities. Synchrony bank has fault their fiduciary obligation outline in there SEC XXXX filing. XXXX has violated my rights by sharing my information without out my written or express consent which resulted in my account being closed. I believed the information XXXX furnished to synchrony bank without my consent which is required by federal law is inaccurate which is a violation of the fair credit reporting act. Synchrony bank and XXXX operating together in violation which financial gain unbeknownst to me constitutes fraud and R.I.C.O. Per congress the Consumer Financial Protection Bureau has the responsibility to enforce the law. I will be seeking civil damages as favored under 15 usc XXXX. {$1000.00} per violation, which is for each time my credit information was shared and reported inaccurately. According to my records and the records of XXXX my credit score is well above XXXX which also Congress never enacted a law requiring a credit score for the usage of credit which is my Credit to begin with from your company using my securities! The equal credit opportunity act states that any denial which is part of a consumer transaction is discrimination. Which in fact I have evidence which was sent by synchrony bank who Also stated where my information was shared from, lacking my consent violation of my privacy rights that are federally protected. I demand that my credit file be updated for synchrony bank to be updated to paid as agreed immediately. All rights reserved
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, and so on.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: SUN LOAN COMPANY INC. (TX)

I have some inquiries that I am unaware of on my credit report and have no knowledge to at all and I also have some closed accounts that are still on report that need to be removed. 

Below are inquiries that I am unaware of. 
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 These are closed paid accounts but still under late payments and need to be removed.
Consumer complaint received 2022-10-09
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. (CA)

TRANSUNION, HAS NOT DONE A ACCURATE JOB OF INVESTIGATING A PUBLIC RECORD THAT THE COURTS HAVE WITHDRAWN AND IS NOT ON XXXX XXXX XXXX XXXX, TRANSUNION CONTINUES TO VIOLATE MY RIGHTS SET BY FCRA AND TAKE NO RESPONSIBILITY IN THERE ACTIONS
Consumer complaint received 2023-07-06
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. (HI)

I did not use the card for the charge. I talked to the lady with the original credit card company. She said they would look into it. Next thing I know they put the account into collection. This is wrong. I dont want to pay for what I did not use. There is a thing call the law of cause and effect. You can gain a few XXXX dollars but you and many of your generation to come will suffer endlessly.
Consumer complaint received 2023-06-07
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: Experian Information Solutions Inc. (MO)

I am submitting this CFPB Complaint once again to express my extreme dissatisfaction and outrage regarding the fraudulent items listed on my credit report. It is unacceptable that there are several items that I did not open or have any knowledge of, and it is clear that my identity has been stolen. The items in question, which include : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXL XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX CT XXXX, TX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, are a blatant violation of my rights and have severely impacted my financial standing. I demand that the Credit Bureaus take immediate action to investigate and remove these fraudulent items from my credit report without delay. As a consumer, I have the right to dispute any inaccurate information on my credit report, and it is the Credit Bureausr legal obligation under the Fair Credit Reporting Act to conduct a thorough and prompt investigation into this matter. I expect to receive a written response from the Credit Bureaus detailing the results of the Credit Bureausr investigation and the actions the Credit Bureaus have taken to rectify this situation.
Consumer complaint received 2023-05-02
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. (NY)

as of XX/XX/XXXX, I have noticed a fraudulent account Account name, XXXX XXXX XXXX. 
Account number XXXX Date opened XX/XX/XXXX Date closed- Balance XXXX Account status open past due XXXX as of XX/XX/XXXX Last payment date XX/XX/XXXXXXXX XXXX