davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

On the afternoon and evening of XX/XX/21 I reached out to my bank - Chase in regards to a scam that was happening to me in Real time. I spoke with the XXXX dept to let them know I was trying to purchase a pet traveling case using the Chase XXXX XXXX which pended. Due to this I received numerous calls from the fake company because they did not receive the money being asked for which was {$990.00}. The call was now to report the pending transaction as fraudulent and since the account was pending was in review, I needed it to be documented that I was requesting Chase to stop and decline the payment. XXXX states on their site it takes XXXX  days for a pending charge to clear. And I have a screen shot of the XXXX  payment pended from the Chase site. I was told since the review had not been done yet this request could be made. Later that evening Chase bank released my payment to the scammers and I got back on the phone with Chase and opened a fraud case. I have been in contact with Chase, my local police, the XXXX, the FTC, the FBI XXXX unit, XXXX themselves and placed a fraud alert on my credit. Chase decided on XX/XX/21 to credit me back the {$990.00} and then reverse their decision on XX/XX/21 with no reason. I have emails and paperwork on every step I took and not once was I reached out to during their investigation. Though I called every often to state I can submit paperwork to them, I was told to hold on to my paperwork as the case was pending. Now I have a negative {$990.00} in my account and these scammers skipped away with my money THOUGH I called Chase to stop the payment and decline the review and they said they did.
Consumer complaint received 2015-06-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (OH)

There is a student loan with XXXX XXXX XXXX on my Equifax Credit Report which states the status is " wage earner plan. '' That is incorrect ; my Chapter XXXX was converted to a Chapter XXXX and was dismissed in XX/XX/XXXX. Since student loans ca n't be discharged in bankruptcy, this loan was subsequently paid as agreed. The attached credit report from Equifax says the date of my XXXX delinquency was XX/XX/XXXX. That is incorrect. That is the date I filed my Chapter XXXX, which was subsequently converted to a Chapter XXXX, and thereafter it was paid as agreed. I have also included a copy of my XXXX Credit Report as proof that this loan was not delinquent. The bankruptcy status on the Equifax Report is throwing my account into a negative status. If the account is being paid as agreed it should not be in a negative status. They ca n't have it both ways - either I 'm in a positive status or a negative status. The bankruptcy notation should not be on this item as it was not discharged through bankruptcy and it was paid as agreed.
Consumer complaint received 2021-04-28
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)

My rights as a consumer has been violated multiple times over and over and over again by these credit bureaus and corporations. They violated my right under the FDCPA, FCRA and Truth In Lending. Failure to investigate these items within 30 days gives a reason to immediately remove the items I pointed out in my letters that I sent over 30 days ago. Every account I disputed should be deleted if the instructions says to delete them and all late payments should be reflecting " paid on time '' per instructions. I demand everything I stated in my letter to be handled appropriately per instructions or I will file for litigation due to the continuing stress your causing me. My information also was also impacted by the Equifax data breach. please. Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) I also stated each law you violated on my consumer report inside my letters also. Compensate me for each violation that has been committed under 15 USC 1681n and 15 USC 1681o. Invoice will be attached!!!
Consumer complaint received 2021-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My rights as a consumer has been violated multiple times over and over and over again by these credit bureaus and corporations. They violated my right under the FDCPA, FCRA and Truth In Lending. Failure to investigate these items within 30 days gives a reason to immediately remove the items I pointed out in my letters that I sent over 30 days ago. Every account I disputed should be deleted if the instructions says to delete them and all late payments should be reflecting " paid on time '' per instructions. I demand everything I stated in my letter to be handled appropriately per instructions or I will file for litigation due to the continuing stress your causing me. My information also was also impacted by the XXXX  data breach. please. Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) I also stated each law you violated on my consumer report inside my letters also. Compensate me for each violation that has been committed under 15 USC 1681n and 15 USC 1681o. Invoice will be attached!!!
Consumer complaint received 2021-04-28
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. (OH)

I sent out dispute letters on XX/XX/2021 and the accounts has not been removed. I have not received a response to my request and the information has not been updated correctly.
Consumer complaint received 2021-04-28
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (NY)

I ordered items from XXXX on XX/XX/XXXX XXXX {$120.00}. I have a Direct Express text alert setup on my phone. The charges on XX/XX/XXXX kept popping up individually for things I ordered on that day. Then today XX/XX/XXXX another {$120.00} was charged to my card XXXX same thing ) I have been double charged. Also I have unauthorized charges from XXXX totaling up to {$39.00}. I was only refunded {$19.00}.
Consumer complaint received 2021-04-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (OK)

GMAC had our mortgage our home was paid off in XXXX. We worked for XXXX transfered in XXXX our transfer monies was used for house we actually mortgaged XXXX GMAC did a piggyback for XXXX which they were to get when our transfer money was paid which was done in XX/XX/XXXX now we sold our home didn't realize no lein release closing is holding XXXX of our monies on the XXXX website it show 3 inactive. we have 1 release attempting to get other 2 no success contacted Bankruptcy court out of New York attorney General in Pennsylvania, Missouri, XXXX ( only autos ) we are hitting brickwalls everywhere we go.
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IL)

On XX/XX/XXXX I was requested by Equifax to fax over my Verification information to Equifax which was my Social Security number and ID. I requested a copy of my Equifax Credit Report which I still have not received a copy of. I have also tried several times with annual credit score to obtain my Equifax credit score and have been unsuccessful in obtaining my credit report. Because the Security questions to obtain my Equifax Credit report on annual credit score contains security questions that are not questions related to me regarding me or my credit report. On XX/XX/XXXX I called Equifax again to gain access to my Equifax online credit report and credit score. I did a Verification with the agent where I had to take a photo of my ID front and back then take a selfie of myself to verify my identity. After being on the phone for over an hour to get help to gain access to my Equifax Credit report and credit score online. After alleged trouble shooting the agent was unable to help me with access to my Equifax Credit report and credit score. On XX/XX/XXXX I called again requesting help with my Equifax online credit report and score. Once again, the agent was unsuccessful with helping me gain access to my Equifax online credit report and score. 

On XX/XX/XXXX I called Equifax to gain access to my Online account and the Supervisor XXXX was unable to help me get access to my credit report and score. XXXX sent me a recent password link and I was still unable to gain access to my online account. I have resent my online password over 50 times in 6 months and still have been unsuccessful in obtaining access to my online Equifax account. I was just given a ticket number for the 6th time. The number is XXXX. Then I was given another number XXXX. I then asked supervisor XXXX do I have a credit score and he stated no, I have not had an Equifax credit score since XXXX. I have revolving accounts with XXXX XXXX credit card and XXXX XXXX XXXX is a paid off loan that is still not in my Equifax credit report over a year ago. My address is incorrect which is XXXX XXXX XXXX. However Equifax has XXXX XXXX XXXX XXXX which is incorrect. I feel there is some deception going on with my credit report with Equifax as I have already been a victim of identity theft due to the data breach. 

I can obtain my Credit report on annual credit score credit report from XXXX and XXXX with no problem. However, I can not access my credit report from Equifax which has been problematic for me to obtain my credit report since XXXX. These issues continue to keep happening over, and over again. I'm requesting to have my Equifax credit report and score as this has caused me irreparable harm. I feel that something is wrong with my Equifax credit report that is being covered up. I'm also demanding to get access to my online Equifax credit report to monitor my own credit report instead of having it mailed to me.
Consumer complaint received 2021-04-27
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: EQUIFAX, INC. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPENT THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2022-10-31
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. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this file. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially. 
and the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$18000.00}
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Consumer Telecom & Utilities Exchange, Inc. (MA)

On XX/XX/2021, I placed a security freeze on my National Consumer Telecom and Utilities Exchange ( NCTUE ) file ( following potential bank fraud I recently experienced ). The New Jersey address listed on the security freeze confirmation is an address at which I never paid utilities because this address belonged to my former employer ( a boarding school ). My former employer paid rent and utilities at this address. 
ALL DOCUMENTATION TO CONFIRM THIS COMPLAINT IS AVAILABLE UPON REQUEST.
Consumer complaint received 2017-04-04
Product: Debt collection — Credit card
Issue: Communication tactics — Called outside of 8am-9pm
Company: ENCORE CAPITAL GROUP INC. (MA)

After they called me, I called them back and asked for a settlement and that they stop calling me. They would not agree. I then called back and they would not allow me to make a settlement on my account without agreeing to allow them to call me regularly about the debt. I did n't agree and asked again for a settlement. The would not agree to take my settlement offer. It is hurting my credit score and they wo n't let me pay it off.
Consumer complaint received 2023-07-11
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: ALLY FINANCIAL INC. (CA)

As of recent I've applied for an auto loan but the dealers ran my credit giving me multiple hard inquirers hindering my ability to gain approval from possible lenders. Also in my adverse action letter they are telling me due to limited credit history that they are unable to extend me credit. First, I feel that I am 100 % credit worthy and from my understanding, ( legally ) limited credit history is not a legal reason to deny me credit.
Consumer complaint received 2021-04-28
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. (NC)

Twice I have requested that Transunion remove the incorrect information that I still have a personal loan from my credit union. The first time they " verified their information is accurate '' but that is 100 % incorrect and easy to verify with the bank. I am glad to share a written statement by an employee of the credit union stating what I have said is correct, and what Transunion refuses to correct, is incorrect. Transunion also does not update when I pay off a credit card, significantly hurting my credit. Over 3 months have gone by and they have not updated my credit, showing my credit card is paid off. I have shared files as documentation that I what I am saying is correct. I have just refinanced my house and also am attempting to buy a car right now and their incompetence is costing me over 30 points on my FICO score. XXXX has no trouble keeping up, I believe Transunion should be removed from having responsibility with credit ratings.
Consumer complaint received 2021-04-28
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO. (AR)

Scheduled monthly credit card payment at XXXX XXXX  XXXX for XX/XX/XXXX. Chase added Mortgage payment to credit card online statement but instructions very unclear. In fact instruction was lengthy questionnaire for mortgage payment ca. {$840.00} due XX/XX/XXXX on refinancing of previous mortgage with XXXX XXXX since XXXX. Switched to Chase upon receipt of unsolicited refinance offer received in XXXX XXXX mistake. 
Closed on Chase mortgage loan mid-XXXX  and told initial monthly payment due XX/XX/XXXX. When we closed in midXXXX or months earlier we told closing officer for Chase to debit our XXXX XXXX account for monthly mortgage payment of {$840.00} beginning XX/XX/XXXX. 
Instead our XXXX credit card online statement added Mortgage payment due XX/XX/XXXX. But Chase instruction XX/XX/XXXX very unclear. Told us to go to Accounts and access external? and when we did there was no external accounts to access. Plus access denied both username + password on second attempt. Waited till end of day and still denied access to Chase on-line. Might add same thing happened with CFPB as asked to sign-in and received similar response : username and password denied. We are in our 70s and this is hard on us. Hope you can help us. XXXX XXXX XXXX XXXX, XXXX XXXX AR
Consumer complaint received 2022-10-31
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. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experianis neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially.

and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$1700.00}, XXXX XXXX Date Opened : XX/XX/2015 Balance : {$9800.00}, XXXX XXXX Date Opened : XX/XX/2015 Balance : {$42000.00}
Consumer complaint received 2021-04-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: BAM Management US Holdings Inc. (MO)

Hello, First, thank you for your time in advance. I know yall are super busy. I will include specifics and attachments down below. 

-- -- using a wallet with XXXX platform I transferred over BNB ( Binance 's XXXX coin ) to another wallet with Binance.us -- -- the funds show as successfully sent from XXXX but the funds never arrived in my binance.us wallet. I double checked and copied and pasted the destination wallet address that I was sending it to Please help me, Binance.us has no one to help on the phone or email. They are ignoring my plead for my money. Even reached out on XXXX to no avail. Never had this issue before with any other platform. 

Info below : Funds were sent on : XXXX @ XXXX CST Total amount sent : XXXX XXXX XXXX BNB after XXXX BNB fee from XXXX and XXXX fee XXXX took out ) or {$3300.00} USD TX Hash : XXXX Sent from wallet : XXXX To wallet : XXXX