davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-16
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. (NJ)

XXXX XXXX INACCURACY : XXXX OPEN DATE : XX/XX/XXXX EXPERIAN OPEN DATE : XX/XX/XXXX XXXX OPE DATE : XX/XX/XXXX LAST REPORTED : XXXX : XX/XX/XXXX EXPERIAN : XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX INACCURACY : XXXX OPEN DATE : XX/XX/XXXX EXPERIAN OPEN DATE : XX/XX/XXXX XXXX OPE DATE : XX/XX/XXXX LAST PAYMENT : XXXX : XX/XX/XXXX XXXX XXXX INACCURACY : XXXX OPEN DATE : XX/XX/XXXX EXPERIAN OPEN DATE : XX/XX/XXXX XXXX OPE DATE : XX/XX/XXXX LAST PAYMENT : XXXX : XX/XX/XXXX EXPERIAN : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX INACCURACY : XXXX OPEN DATE : XX/XX/XXXX EXPERIAN OPEN DATE : XX/XX/XXXX XXXX OPE DATE : XX/XX/XXXX LAST PAYMENT : XXXX : XX/XX/XXXX EXPERIAN : XX/XX/XXXXXXXX XXXX : XX/XX/XXXX XXXX XXXX : XXXX OPEN XXXX : XX/XX/XXXX EXPERIAN OPEN XXXX : XX/XX/XXXX XXXX OPE DATE : XX/XX/XXXX LAST REPORTED : XXXX : XX/XX/XXXX EXPERIAN : XX/XX/XXXX XXXX XX/XX/XXXX XXXX INACCURACY : XXXX OPEN XXXX : XX/XX/XXXX EXPERIAN OPEN XXXX : XX/XX/XXXX XXXX OPE DATE : XX/XX/XXXX LAST REPORTED : XXXX : XX/XX/XXXX EXPERIAN : XX/XX/XXXX XXXX XX/XX/XXXX XXXX INACCURACY : XXXX OPEN XXXX : XX/XX/XXXX EXPERIAN OPEN XXXX : XX/XX/XXXX XXXX OPEN DATE : XX/XX/XXXX LAST REPORTED : XXXX : XX/XX/XXXX EXPERIAN : XX/XX/XXXX XXXX : XX/XX/XXXX LAST PAYMENT : XXXX : XX/XX/XXXX EXPERIAN : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX INACCURACY : XXXX  DATE XXXX : XX/XX/XXXX EXPERIAN DATE XXXX : XX/XX/XXXX XXXX DATE OPEN : XX/XX/XXXX LAST ACTIVE : XXXX XXXX XXXX : XX/XX/XXXX EXPERIAN DATE XXXX : XX/XX/XXXXXXXX XXXX  DATE OPEN : XX/XX/XXXX LAST PAYMENT : XXXX : XX/XX/XXXX EXPERIAN : XX/XX/XXXX XXXX XXXX XX/XX/XXXX I have already sent letters to the credit bureaus asking them to verify the debt on my report. They have sent back stating that everything is verified. My credit report is still showing inaccurate information. I took a closer look to see that numerous things were still incorrect. I have pulled my reports and see numerous inaccurate things. As well as saying different dates, and numbers on each credit report. This violates XXXX XXXX. XXXX ( a ) ( XXXX ) 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 the information is inaccurate.
Consumer complaint received 2024-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

I Am A Wells Fargo Customer I am a victim of fraud, Theres Were {$2000.00} taken out of my account in New Jersey while I was In XXXX and I made a claim seeking help and they ended their investigation and I lost {$2000.00}
Consumer complaint received 2018-10-08
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Access Financial LLC (CA)

A person by the name of XXXX keeps calling me at work every single day numerous times. 

Being very rude even when I told him to stop calling me at work and that I Can not get personal calls during business hours. 

He is very rude to my coworkers when they answer, and he said he did not care I am not allowed to get personal calls at work that he will keep calling. 

This debt is under a Debt Settlement Program and we are already working on this, but he keeps calling non stop.
Consumer complaint received 2015-03-24
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (CA)

I have applied for a home loan at chase on my rental property which is fully paid off. I was approved for this loan and submitted the paperwork required. I started this process in XXXX and they took out {$600.00} for appraisal fees on the property. The property was appraised for over $ 300k and the loan amount being asked for is $ 50k. The bank seems to be giving me the run around on closing the loan and when I talk to them they continually state that the loan is approved. I had to pay flood insurance on the property and was told that once I got this flood insurance the loan would be closed then they proceeded to ask for paperwork that I previously submitted saying it was incomplete and do not close the alone.
Consumer complaint received 2023-06-04
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. (KY)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Each account below has debt that is not mine : Account # XXXX Account # XXXX Account # XXXX The accurate amount of debt on each account is {$0.00} as it is not mine. My only address is XXXX XXXX XXXX XXXX # XXXX XXXX, KY XXXX since XX/XX/2000 until XXXX. No valid information of mine is associated with any additional addresses that may be reporting as mine. Each company from Account # XXXX, Account # XXXX, and Account # XXXX has all failed to provide a valid wet signature from me. The status of each account should be closed due to required deletion as the debt is not mine. 
These debts on my account are not mine. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer reports under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of accounts listed IMMEDIATELY!
Consumer complaint received 2023-06-02
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. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Tower Loan of Mississippi, Inc. (MO)

I received a letter from Tower Loan on XX/XX/2023 saying that they were going to approve to lend me money. They or This 3rd party person suddenly changed their mind about not lending I believe because of civil rights discrimination? They really did wasted my time and fuel for driving down to their office causing me to have serious problems with money damages. It should be considered as sabotage for false advertising and extortion against me on my personal reputations Thier manipulation on Credit inquiries against me from leveling up As a loyal customer they turned me away from getting a personal loan. These narcissists only interested in ruining my life they punctured my credit score from building up. Im done dealing with Tower Loan in the future
Consumer complaint received 2023-05-12
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation 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 XXXXXXXX Balance : XXXX ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6800.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$710.00} ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX CARD Inquired on XX/XX/XXXX.
Consumer complaint received 2024-07-02
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO. (CA)

Hello, My name is XXXX XXXX, I would like to report a dispute decision determined by the Chase credit card department over a fraudulent transaction that happened XX/XX/year>. 
While attending the XXXX XXXX in the stadium in XXXX XXXX XXXX, XXXX, I bought a small water bottle from XXXX of the stadium vendors- using the tap payment system with my Travel Chase credit card. I did not have cellular internet, so I did not receive a text charge notification from the bank.. When I returned to the hotel, however, I noticed I was charged {$800.00} at XXXX XXXX XXXX in XXXX, a city far from where I was. I reported this claim back when I returned to the XXXX ( XX/XX/year> ). The Chase dispute center stated that this charge was valid because I had received benefits ( in the form of a plastic water bottle ) in exchange for the {$800.00} charge. Needless to say, I have never visited the city of XXXX or the bakery shop that charged my card. Due to the language barrier and dysfunctional cellular services, I could not contact the bakery. 
I have communicated with the Chase fraud department multiple times to explain the issue, but in return, I received emails stating that this transaction was valid. When I called Chase 's Executive line, XXXX explained that the fraud department tried to contact me, but because I have not responded, it had been past the XXXXday review date, and they can not help me anymore. Of note, the phone number Chase called me from is listed as spam and was automatically silenced by my phone. When I tried to call the number left on the voice message, I was unable to reach a representative. I asked I continued to escalate the matter with XXXX and asked her to share all the information when they unsuccessfully tried to contact me, yet they have yet to share it. 
To summarize the entire process : 1 ) I reported the fraud in a timely manner 2 ) Chase stated that {$800.00} at a bakery in XXXX did not constitute fraud because I had received a water bottle hundreds of miles away in XXXXXXXX XXXX XXXXXXXX in exchange 3 ) I called Chase multiple times and was unable to discuss the case After giving me the run around for months, Chase is now saying that their final decision regarding this charge is valid because 90 days have passed 4 ) Chase failed to forward all documents requested by me. 
Proof of Chases lack of goodwill and integrity is that they dismissed the fraudulent charge from the beginning under false pretense, as it is obvious to any individual who learns the case that this was indeed a fraudulent charge. This and Chase other subsequent moves were aimed at discouraging at first, and ultimately at dismissing its customers legitimate concern. Chase knowingly colluded to reach a decision adverse to its customer.
Consumer complaint received 2022-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc (MO)

On XX/XX/2022 my card was stolen and multiple transactions were made on my card. The total in fraudulent charges was {$380.00}. I filed a claim that they declined, they said that I had to submit another claim which I did and they still declined. There were XXXX transactions a quick trip in the amount of a {$200.00} on XX/XX/XXXX XXXX on XX/XX/XXXX in the amount of {$15.00}, {$10.00} and {$2.00} also XXXX XXXX XXXX for the amount of {$32.00} and {$10.00} and at XXXX 's for {$9.00} I filed a police report which I emailed to them and they still declined this claim.
Consumer complaint received 2023-07-20
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (AL)

Talked to XXXX  today the executive advisor on my case and she Claimed the last payment I made went toward interest and partial to the principal payment but was not given any numbers on what I actually owed. Never received information on how due date was calculated or why my balance was {$2800.00} all he ever says is hes working on it but he has all the he need. I went to pick my vehicle up at XXXX at XXXX XXXX and the battery isnt working and the driver side window is cracked/ broken and tried to make a claim with both companies but nothing was done about anything.
Consumer complaint received 2023-05-12
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. (MD)

When I reinvestigated my updated credit report, I see that some of the accounts were erroneous. The XXXX credit Bureaus are required to revalidate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX  Balance : {$930.00}, XXXX XXXX XXXX Balance : {$3300.00}, XXXX XXXX Balance : {$1200.00}, XXXX XXXX Balance : {$680.00}, XXXX XXXX Balance : {$14000.00}, XXXX XXXX XXXX  Balance : {$550.00}, XXXX XXXX XXXX  Balance : {$490.00}
Consumer complaint received 2023-02-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK (SD)

THE RESPONSE BELOW SHOWS THAT DISCOVER BANK SENT THE FUNDS TO THE WRONG ACCOUNT at XXXX XXXXXXXX XXXX XXXX XXXX an ACH debit was initiated to push funds from your Online Savings account referenced above to your account at XXXX XXXXXXXX XXXX and Trust ending in XXXX '' MY ACCOUNT ENDS IN XXXX and is correct in my Discover external bank account information. 

I made several attempts to verify the account that Discover sent the funds to on XX/XX/XXXX and they refused to tell me online or on the phone. I opened a complaint against Discover Bank for a {$3000.00} ACH transfer that they claim was completed with tracking number provided, and now that complaint has been CLOSED WITHOUT INFORMING ME UNTIL I INQUIRED again on XX/XX/XXXX.
Consumer complaint received 2023-07-20
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: COOLEY ENTERPRISES INC (TX)

I purchased a new car from Clay Cooley XXXX of XXXX on XX/XX/2023. They gave me the wrong car. On XX/XX/2023 I returned to the dealership to exchange cars. They had me sign new papers with the correct VIN. 
I discovered they ran a hard inquiry on my credit report twice. I was not told about either report. I assumed they would run one on the XXXX but I never agreed to the report on XX/XX/2023 and I want that inquiry removed from my credit report.
Consumer complaint received 2024-04-04
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. (ID)

I am writing to express my disappointment and concern regarding an inquiry that recently appeared on my credit report without my prior knowledge or consent. As you are aware, the Fair Credit Reporting Act mandates that no one can access an individual 's credit information without obtaining their consent first.
Consumer complaint received 2023-07-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Zions Debt Holdings (IL)

I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.
Consumer complaint received 2023-07-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (CA)

I am the treasurer of a 501 ( c ) 3 non-profit that has had a PayPal account for quite some time. They recently offered to lower our rates/fees since we are a non-profit organization, and so we submitted all of the information they requested, and on XX/XX/2023, they approved our " charity status '' and moved us to their charity rates. However, we recently realized that this actually significantly RAISED the fees that we are paying them ( nearly tripling! ). 

When we contacted them to go back to our old rates, they have refused. When we asked to escalate and speak to a manager or supervisor, they promised one would contact us, but then they have not. Our previous rate with them was 2.99 % plus XXXX cents per transaction. Our new " charity '' rate with them is 1.99 % plus XXXX cents per transaction. Our average transaction with them is {$7.00}, so our average fees have increased from around XXXX cents per transaction to nearly XXXX cents per transaction. 

We just want to go back to our prior rates ( 2.99 % plus XXXX cents ) but they refuse, and we're not sure why. They did offer to put us in a micropayment rate plan, but that would still be significantly more than we were paying. We also feel like they should refund the extra fees we have paid them since XX/XX/XXXX, since they misled us by telling us they were going to be lowering our fees, and instead nearly tripled them. 

PayPal is telling non-profits they are helping them by lowering fees, then tripling their rates. That can't be legal. Please help!
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, 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. (IL)

On XX/XX/23, I noticed my credit score went down XXXX points which was alarming as I've been paying my XXXX  credit card on time and I have not been using it. I noticed there were XXXX hard checks done by XXXX XXXX and XXXX  XXXX XXXX and I did not contact those banks to open credit cards. I only have one card and I only need one card. The next day, there was also a credit check from XXXX XXXX  XXXX I contacted the companies and they sent me to the credit bureaus to try and call them. I believe I was able to put a freeze on my credit accounts but I need these credit checks off my record. This has never happened to me before so I want to ensure I am taking the right steps to protect myself as well as get these off my record.
Consumer complaint received 2024-06-12
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: FC HoldCo LLC (GA)

I called lender to get updated on the account and I was provided a balance not showing on my credit report. Vehicle was auction in XXXX before payment was delinquent. Lender stated that they didn't send a notification of repossession or phone call only a letter stating the car sold in XXXX, before being delinquent, to me by main in XX/XX/year> balance is less than the amount reported XXXX XXXX XXXX. I was never able to recover my property inside the vehicle
Consumer complaint received 2023-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

My phone service was cut off and I had to get a new number. Capital one and many other cards arent allowing you to change your phone via email confirmation. It appears they and all gov't agencies are refusing to allow VPN 's which violate users privacy. They locked me out of my account. When I called customer service, XXXX ( from XXXX country ) said they could not change it despite my verifying my social security number. After giving them the new number, they said they would check to see if they could send me a code. She then claimed she couldnt and that I would need to take a photo of my drivers license. This is completely illegal. So the website says you can verify another way, however this is a lie. It only routes you around in a circle and does not allow you to change your number. 

In addition, these companies arent allowing a mail statement. Lastly, I want to cancel this card because they have allowed businesses to illegally use my card for recurring transactions that I have attempted to cancel, EVEN AFTER I WAS FORCED INTO CHANGED MY CARD NUMBER!!! XXXX XXXX  would not allow me to cancel a recurring monthly phone charge because they claimed they could not verify my identity, despite my ANSWERING THE PHONE I HAD SERVICE WITH!! They said I had to give them 5 phone numbers that I had recently called which I did BUT BECAUSE THEY WERE XXXX NUMBERS THEY SAID THIS WAS UNACCEPTABLE? I AM SICK OF THESE COMPANIES WITH CALL CENTERS IN XXXX, XXXX, ETC. VIOLATING BASIC CONSUMER RIGHTS. They would not allow me to change my number or email address either despite the email company XXXX, located in XXXX and evidently above the law, cut off my service because again, I attempted to stop a recurring payment and downgrade to the free plan. They then held my account hostage and would not allow me to use it telling me I had to give them a credit card number. Lastly, my Lifeline phone was cut off by XXXX without notification because I was told by my Wifi provider that I could still use my free Lifeline phone and get a discount with them ( XXXX County, VA aka XXXX XXXX ) for internet. THIS WAS A LIE and at the end of the month, my phone cutoff without my notification.