davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-22
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. (CA)

I noticed unauthorized international charges on my checking account. I called to report said claims and the representative looked over my account and realized its been going on for months. So I filed the claim. I called back a few days later because I hadnt heard any type of response from the bank and they ended up denying my claim. I asked them why and they stated that I approved 2 of the transactions via text message. I then stated that when I received messages about fraud I responded YES to let them know it was indeed fraud, I assumed once I responded YES that they blocked the transaction and I moved along my day like normal. They then stated that I was supposed to respond with No, I did not authorize the charge. So because I misunderstood the question my claim has been denied and can not be reopened with that new information. I lost thousands of my hard earned money due to international charges and a misunderstood text message. All I want is my money back.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am writing to address a matter of urgent concern regarding my account with your company. It has come to my attention that there are several fraudulent items present on my account statement, and I am requesting immediate action for their removal. 

Upon reviewing my recent account statements, I noticed several transactions that I did not authorize or recognize. It is evident that my account security has been compromised, and I am deeply troubled by the presence of these unauthorized charges. 

I have taken the necessary steps to report these fraudulent transactions to your customer service department, providing all relevant information and documentation. However, despite my efforts, the fraudulent items have not been removed from my account, and I am increasingly concerned about the impact on my financial well-being. 

As a loyal customer, I expect that my account is protected against unauthorized access and fraudulent activity. The presence of these fraudulent charges not only undermines my confidence in your company 's security measures but also poses a significant inconvenience and financial risk to me. 

I urge you to prioritize the removal of these fraudulent items from my account and to take immediate steps to enhance the security of my account to prevent any further unauthorized activity. Additionally, I request regular updates on the progress of your investigation and efforts to resolve this matter. 

Please provide me with a clear timeline for the resolution of this issue and any steps I need to take to expedite the process. Furthermore, I would appreciate compensation for any fees or charges incurred as a result of these fraudulent transactions. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$10000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$10000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3100.00} XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX.
Consumer complaint received 2023-11-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (ID)

XX/XX/. Given wrong increased property taxes info. I sent a screen shot showing the correct decreased amount. After three phone calls, five holds and one hang up I finally got it corrected. I was originally told that once the new decreased property tax was confirmed, I would receive a refund check for the difference. The refund will be held in my escrow account for almost a year now. {$500.00}. On top of that the company told me that XXXX XXXX Assessor sent the wrong property tax info. Lie. As a XXXX Vet of almost XXXX XXXX XXXX on SS, I find this very disturbing. Freedom Mortgage giving out loans to Vets with inaccurate info after the loan is completed. We have been with them for years and customer service is terrible.
Consumer complaint received 2023-04-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION (OH)

I made a payment prior to what was advertised as the due date of XX/XX/XXXX. Payment was made XX/XX/2023. I received an email informing me that I had a past due balance, and owed double payments XX/XX/2023, the next due date. When I spoke with a service agent, I was informed that any early payments to be count towards the next billing cycle had to be made no more than 15 days prior to the due date, otherwise it counts as " interest only. '' However, I have a screen shot dated XX/XX/2023, that I owe no payments until XX/XX/2023.
Consumer complaint received 2024-03-15
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: Experian Information Solutions Inc. (NC)

SOMEONE STOLE MY INFORMATION AND COMMITTED FRAUDULENT ACTIVITIES ON MY ACCOUNT. CAN YOU PLEASE REMOVE THESE HARD INQUIRIES ASAP. 
THANK YOU SO MUCH.
Consumer complaint received 2022-12-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: PACE Funding Group, LLC (CA)

XX/XX/22 DocSigned contract with XXXXXXXX for XXXX install ( XXXX XXXX ) XX/XX/22 XXXX Install began XX/XX/22 XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) phones me and talks me through finalizing payment online XX/XX/22 XXXX Installers complete install XX/XX/XXXX XXXX Phone from XXXX XXXX XXXX  ( XXXX selected financier ) asking if job completed and satisfactory. Answered yes prior to inspection and without ant XXXX knowledge XXXX contracts with XXXX XXXX Financing Account # XXXX XX/XX/22 Inspection permit pulled XX/XX/22, after install ; XXXX XXXX  installed rather than XXXX XXXX as stated on contract XX/XX/22 Email XXXX XXXX Financing regarding XXXXXXXX XXXX  failure to get documents to me ( warranty, contract, inspection ) XX/XX/22 XXXX XXXX XXXX Financing opens investigation into XXXX XXXX business practice. XXXX XXXX contacted by XXXX of XXXX XXXX XXXX and advised proper install of XXXX XXXX XX/XX/22 XXXX XXXX  has failed to conduct inspection. City of XXXX XXXX conducted inspection and sited 7 install violations. Installer informed
Consumer complaint received 2017-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY (VA)

I applied for a credit card wit h Wells Fargo  on  XXXX  2017. At t he time of the application I had a credit freeze on my credit report. I forgot to unfreeze it prior to the application. I received an email stating that the application was denied because my report could n't be accessed due to the freeze. I unfroze my reports then chatted with a customer rep to ask if I needed to fill out another application or if the initial application could still be considered. I was told to fill out another application. I asked if they were sure that the system would n't recognize it as a duplicate I was told no and to fill out another. I proceeded to fill out another application. The app went into a pending status. When I called for a status update it says app was denied because I just applied. Exactly what the customer rep told me would not happen. My  XXXX  report was pulled on  XX/XX/XXXX  for consideration of the first app. On Friday  XX/XX/XXXX , i was informed that the initial application was denied due to high balances and additional reasons. On  XX/XX/XXXX  my   XXXX   credit report was pulled TWICE ag ain by Wells Fargo. I ca lled to find out why my report was pulled twice the day after my app was declined. I spoke with  XXXX  at  XXXX  who told me all they could do was put in a request to    XXXX    to have  XXXX  of the inquiries removed but that it would not be gauranteed to be removed but admitted it was an err or of Wells Fargo. T his was an e rror on Wells Fargo pa rt and those inquiries should be removed. If my app was declined on the  XX/XX/XXXX  and was not being reconsidered they did not have permission to access my report twice by the same credit bureau again the very next day after the app was declined. In summary, I have   XXXX   unauthorized credit inquiries on my  XXXX  report both dated  XXXX   XXXX     2017 an d I want them removed.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

Status of car loan account is listed as ( past due XXXX  days ) ..XXXX  different times. No payment has been paid late. Called car loan company who confirms payments were on time. XXXX XXXX stated to have the issue fixed I needed to download a XXXX XXXX  app and make a dispute. I have done this on several apps and have not seen any change on my credit report.
Consumer complaint received 2023-11-22
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Empower Finance, Inc. (GA)

Hello, I tried signing up for services with Empower Instant Cash Advance using my smartphone. After several attempts I received another email from Empower on XX/XX/XXXX  informing me that they were unable to connect my bank account and that I would need to fix my account. Well since I was unable to connect my bank account as they put it, I then informed them that I would not be utilizing their service since my bank account could not be connected to their service and I requested the refund of {$8.00} that they deducted from my same bank account on XX/XX/XXXX  which they said they were unable to connect. I sent them an email on XX/XX/XXXX  requesting a refund of {$16.00} because they deducted another {$8.00} from my bank account on XX/XX/XXXX  and they never refunded me the {$8.00} they took from my account on XX/XX/. I did not receive a response from Empower regarding the emails I sent. I sent another follow up email on XX/XX/2023 regarding the {$16.00} that was deducted from my bank account. Then on XX/XX/2023 I sent another email because they had deducted another {$8.00} from my account on XX/XX/2023 which is now a total of {$24.00} they have taken from me. So today when I was talking to a representative at my bank because I was going over some transactions on my account, she informed me that there were 3 more transactions on my account for {$8.00} each from Empower for XX/XX/XXXX  ; XX/XX/ ; and XX/XX/. Now the total amount that Empower has deducted from my bank account is now at {$48.00}. These are unauthorized transactions. Empower has not responded to my emails and they have not refunded any of my money that they deducted from my bank account. I've attached a copy of the emails.
Consumer complaint received 2023-11-22
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (CO)

I got a {$300.00} Amex gift card. I was unable to use the gift card at online stores like XXXX, XXXX, XXXX, and XXXX. I also tried adding the gift card to my XXXX XXXX and I was not able to use it at restaurants and shops.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

My account with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported XXXX, XXXX, XXXX XXXX, XXXX, XXXX, AND XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (FL)

XXXX XX/XX/XXXX an account was opened with Westlake Financial Services , with me as a cosigner to this auto loan. 

2.The respective owner of the car made payments from XX/XX/XXXX - XX/XX/XXXX. 

XXXX. The account was deemed 30 days late on payment on XX/XX/XXXX, followed by a " Repossession '' status from XX/XX/XXXX - XX/XX/XXXX, then to a " Charge Off '' status from XXXX Current.

4. On the first week of XXXX of XXXX, I had received a letter from XXXX XXXX and XXXXXXXX XXXX XXXX XXXX representing said company reaching out to me to with a claim that Westlake Financial Services filed against me. 

5.Assuming, they reached out to both me and the primary account holder to get the debt taken care of, I believe I was the only one to reach back out to actually settle the account. 

XXXX. With the negative impact this account made on my creditworthiness as an individual all around, I contacted the law office back and we've come to an agreement to settle the account for less than what it was owed from {$3500.00} down to {$2600.00}. 

XXXX. I set up an online account to pay {$74.00} monthly for 36 months to satisfy the account. I however took 10 months to satisfy the debt and pay it off. The date of the last payment was XX/XX/XXXX to which I made a call to the law office in the amount of {$1800.00}. 

XXXX was informed that a letter of satisfaction would be sent to me and expect to receive it within 7 business days. When that was not the case and did not receive said letter within the allotted time frame, I had to contact XXXX XXXX and XXXX again to request the letter be sent out to me. I finally received the letter with it dated on XX/XX/XXXX. 

9. Now I have been trying to contact Westlake Financial Services in regards with them still reporting the account with a balance, when it was obviously settled and paid, it should've been closed on their end with a {$0.00} balance. Every time i call them, I get transferred to their litigation department, where even then they still have limited information on how they can help me. They say i should receive a " call '' from their attorney, but I still have not received any kind of contact from them.
Consumer complaint received 2022-12-19
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. (TX)

I have disputed accounts on my consumer report, reporting inaccurate information. XXXX, Transunion, and XXXX is showing inaccurate and misleading on the following accounts... 

XXXXXXXX XXXX XXXX
Consumer complaint received 2023-07-27
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: EQUIFAX, INC. (NJ)

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.

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 2024-09-23
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. (TX)

Upon reviewing my credit report, I have found that inaccurate information continues to be reported, despite my previous disputes. The bureaus have verified this information as accurate, but I have provided proof with the attached letter showing it is incorrect. This ongoing reporting violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), which mandates a reasonable reinvestigation of disputed information. 

Continuing to report these inaccuracies without proper verification is also a violation of Section 623 ( a ) ( 1 ) ( B ) of the FCRA, which requires furnishers to update and correct any information they provide to credit bureaus that they know or should know to be inaccurate. 

I respectfully request that this inaccurate information be removed from my credit report immediately, as the evidence I have provided shows it to be erroneous. Failure to remove this information could result in further violations of the FCRA.
Consumer complaint received 2023-11-22
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: FISERV INC. (CA)

Under California Middle Class Tax Refund ( https : //www.ftb.ca.gov/about-ftb/newsroom/middle-class-tax-refund/index.html ), I received a {$1500.00} refund. California Franchise Tax Board ( FTB ) outsourced Money Network Financial , LLC to issue a prepaid debit card which I never received. After so many attempts to figure out why I did not receive it, finally, Money Network was finally able to verify my account and re-issued a debit card to me, and then I found out the original card was stolen and money was withdrawn from various ATM machines without my authorization. I reached out to FTB originally about this incident and was informed FTB can not help and Money Network will need to assist me with this. I filed complaints and disputes against Money Network, but they never officially responded. I reached out to Money Network multiple times and finally, I was able to speak with someone over the phone, and they denied my dispute. I never received the original debit card and my money was withdrawn without my authorization. I have filed a policy report at the local XXXX Police Department. Case number can be provided upon request. I need my money back. Lastly, financial regulations and authorities are very complex. If CFPB is not an appropriate regulatory body to handle my case, please refer the right authority so I can resolve my issue.
Consumer complaint received 2023-04-27
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: Zions Debt Holdings (TX)

I attempt to submit a dispute advising account does not belong to me to and account came back as accurate. Not sure what type of investigating they say were complete but im sure it was not done accurately. Actually alot of these disputes are not even investigated!
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Ive sent my correct and current name address and employment. To the consumer reporting agencies. Ive provided proper copies of my drivers license. My social security card. And utilities bills. Last year. They still havent corrected my information. Which is violating my consumer law rights.
Consumer complaint received 2023-07-24
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: EQUIFAX, INC. (FL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!