davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-05
Product: Credit 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: JPMORGAN CHASE & CO. (NJ)

I had two recent transactions that were refunded to my Chase Sapphire Reserve Credit Card. the first was from the merchant XXXX for {$130.00} on XX/XX/XXXX. the second was from the merchant XXXX XXXX for {$2000.00} on XX/XX/XXXX. Both transactions were shown as pending in my Chase Sapphire account but are now completely gone. I called Chase and they have no record of the refunds. I also spoke to both merchants who have confirmed with proof that the transaction was completed on their end. I am not sure what to do at this point as no one seems to be able to help me, and this is a large sum of money for me that I need back in my account. Please let me know what to do from here.
Consumer complaint received 2023-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (PA)

PayPal Credit consistently credits returns to non-related transactions. This results 100 % of the time in a decrease in balances in purchases with promotional periods expiring later instead of a decrease in the correct balance of the promotional period expiring earlier.

As a result, PayPal credit is not honoring the terms of the transaction of the non-related purchase. 

In example : Purchase XXXX for {$250.00} from Company XXXX made XXXX with a XXXX interest promo expiration of XX/XX/XXXX Purchase XXXX for {$300.00} from Company XXXX made XXXX with a XXXX interest promo expiration of XX/XX/XXXX Item returned to Company XXXX for {$75.00} credit, credit processed XXXX. PayPal credit processes the credit against the {$300.00} purchase from Company XXXX with the promo period expiring XX/XX/XXXX. 

I have spent hours on the phone with PayPal and this happens repeatedly. There is no mechanism to correct the issue and it continues to happen, with every error in PayPal 's favor as it shorts the customer by affecting an unrelated transaction and thereby not honoring the full 6 months interest free for that specific purchase.
Consumer complaint received 2022-10-21
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$2100.00}
Consumer complaint received 2023-07-24
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: AMERICAN EXPRESS COMPANY (HI)

On XX/XX/24 I spoke with XXXX and then XXXX about disputing charges. I was unable to explain my disputes to XXXX because she kept cutting me off and jumping ahead. 

She did give me the address to mail my disputes in. I will mail a letter detailing my disputes.
Consumer complaint received 2023-05-01
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$160.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-29
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. (GA)

Remove collections and late payments remove now!!! XXXX acct # XXXX {$27000.00} and XXXX acct XXXX XXXX {$9400.00} These collections and late payments must be removed asap, i have reported fraudulent activity due to a security breach in a system that contained my personal information. I have been disputing these items since the pandemic and have reported these errors to XXXX, Transunion, and XXXX these companies have failed to investigate and have thrown out numerous complaints and have failed the american consumers by violating the 15 USC 1681 ( d ) disclosure of investigative reports, these companies have failed to report accurate information and thrown out letters instead of investigating the consumer letters and having the best interest of the consumers. They have continued to violate federal law 15 USC 1681 ( d ) even upon investigation from congress with Rep XXXX XXXX where congress findings have acknowledged that these credit bureau failed to investigate and has caused damages for consumers with errors on their consumer reporting. Remove these late payments now or i will exhaust my consumer rights and bring these erroneous errors and hold these companies accountable by going into litigation! 
XXXX acct # XXXX {$27000.00} XXXX  acct XXXX XXXX {$9400.00} Thank you XXXX XXXX XXXX
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

The best thing would be for this not to be here in my report, it is good that they eliminate it XXXX XXXX XXXX XXXX XXXX INQUIRY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

This is my several complaint about the negligence of the 3 Credit Bureaus and I alleged that they have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late status of accounts resulting in significant harm to my financial standing and reputation. I demand that they rectify this violations and provide me with accurate and updated credit report immediately. These are the inaccurate accounts that I want them to correct : XXXX XXXX Balance Owed : {$4100.00} ; XXXX XXXX Balance Owed : {$7400.00}.
Consumer complaint received 2023-09-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (MA)

DEAR MR. COOPER / NATIONSTAR ; I was shocked when I reviewed my credit report and found late paymentS on the dates below : XXXX, XXXX, XXXX AND XX/XX/2023. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly XXXX, and being XXXX  with XXXX, loss of a family member lately, and loss of job, etc. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2022-10-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dont recognized please delete. This cards. I dont. Recognized delete this from my credit history please
Consumer complaint received 2024-04-02
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: EQUIFAX, INC. (TX)

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 2022-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

The bank, Capital One, has entered a cancelled deposit as a withdrawal. The amount of the check was then entered as a withdrawal instead of a deposit. The person who I spoke to over the phone was rude, they spoke over me during the conversations with their customer service line. They also lied and said that they were never called at the time of the issues regarding the deposit to the account. The customer service representative and their manager lied a second time and refused to make any attempt to resolve the issue. They continued to allow my bank account to remain in a negative balance exceeding the amount of {$2000.00}. The original deposit was blocked, there was no access to the image of the check or the deposit. The bank has made their own decision to remove the funds from my account although there were never any funds place in the account. The deposit was cancelled by phone with customer service the day it was attempted to be deposited. The man at the bank argued with me about the ownership of my account, and accused me of a crime for the purpose of the account being accessed by other people and made accusations about something irrelevant to a bank deposit. They started asking me about my device, or how do I access my bank account. They then disregarded any of my concerns and did not attempt in any way shape or form to resolve the issue or reverse the errors on the account. There is now a - {$2900.00} balance which has been added and the deposit was never applied to my balance at all.
Consumer complaint received 2021-01-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FORD MOTOR CREDIT CO. (AL)

The account XXXX is listed on my credit reports as an unpaid charge off. I have mailed a few letters to Ford Motor Credit customer relations in hopes of settling the debt or at least reaching an agreement, in writing. Each letter results in a denial of accepting whatever payment amount I offer. In my most recent letter dated XX/XX/2020 I offered to pay {$4200.00} for the car and the response was, " XXXX  declines to accept your request to settle your balance. '' I would assume at this point either filing for bankruptcy to be completely done with this account would be the next best step considering that Ford has not made any attempt to pick up the car, which they can do at any point with no fight. The pandemic has greatly impacted my household and I'm ready to be done with this account. It is not only impacting my credit profile but the car doesn't even start which is shocking considering it is up to date with all maintenance check ups and is simply not worth the XXXX  anymore. I believe that the original contract is in full force and effect and would call for Ford to reclaim the car and credit the value of the car and any balance left I would be responsible for.
Consumer complaint received 2023-09-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/XXXX  I spent 3 hours on the phone with various Wells Fargo reps. trying to find out what fraudulent charges were on my credit card adding up to over XXXX, because Wells Fargo wasnt sending me my credit card statements like they were supposed to, but in XX/XX/XXXX  I put in a fraudulent dispute on several fraudulent charges on my account that Wells Fargo had me thinking they credited my account for.Wells Fargo representatives kept me locked out my credit card online where I couldnt review my account online. 

I learned that my Wells Fargo credit card has the wrong balance reporting to credit bureaus of over XXXX with over {$5200.00} being fraudulent charges. Wells Fargo was supposed to have been sending me printed statements, but Wells Fargo wasnt sending me my statements, so I dont know if these are new fraudulent charges or what bringing my balance that high!
Consumer complaint received 2023-09-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/XXXXXXXX  there were six fraudulent charges made to my account totaling {$320.00}. I never received the PayPal debit card that was mailed out to replace the current one I have that is about to expire. It was stolen before I ever received it and used to to steal all the money in my Paypal account. I immediately canceled the card and filed a dispute with PayPal who did not respond until XX/XX/XXXX to deny my dispute and close them. I immediately refiled new disputes as I'm the victim of theft and fraud and my money needs to be refunded asap.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Opportunity Financial, LLC (OH)

I applied for credit with opploan and was denied credit but as I XXXX  looking due to the Fair Credit Reporting ACT, equal credit opportunity act, and the consumer credit protection act and truth in lending act that no matter what my score is that I can not be denied my own credit, or show me the where you got your information from because I can show you where my information comes from the Ucc codes, Usc codes, Title 15 1604, CFR codes, and 50 Usc 4350 b2. And if they are not going to be fair then I'm not either, and that is what more people would do, if they knew, but they don't know that their signature turns into gold and that they can keep using it over and over again our SIGNATURE IS THE CREDIT, WE ARE THE BAG, THEY COULD DO NOTHING UNTIL MY SIGNATURE WAS ON IT.
Consumer complaint received 2024-04-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-07-24
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: Experian Information Solutions Inc. (NJ)

The following accounts are fraudulent accounts ; XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. And these inquiries as well 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 accounts and inquiries are hurting my credit and my ability to buy a home. 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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case,
Consumer complaint received 2023-07-23
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. (IL)

On XX/XX/23 i submitted a dispute to all three credit reporting agency with no response, on XX/XX/23 i submitted my 609 letter with no response, on XX/XX/23 i submitted a complaint and all three credit reporting agencies stating they verified the inaccurate information and never sent me an updated report, on XX/XX/23 i filed an FTC report and mailed to all three credit reporting agencies with no response, this has been an ongoing issue, as i am a victim of identity theft. there are mispelled names that do not belong to and addresses i never lived at.
Consumer complaint received 2022-10-21
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. (TX)

Hello, A couple years ago, in Florida, my walletwhich had all of my personal informationwas lost. During that time I had a breakdown and feared that someone would use my identity to conduct crimes or carry out illegal activities. If you have dealt with this before, you are aware of the pressure it places on you. Since then, I've made sure to always carry something with me to store my stuff, so I can always know where my belongings are. The reason I'm writing today is because I discovered stuff on my credit report similar to then being that I am a victim of theft, that I've noticed now in regard to the Florida event. The following things on my report need to be removed from my file. Again, I am a victim of identity theft, so I'm asking that the things be removed so that my credit report can be corrected. I need this to be taken away since dealing with it has left me quite worn out.
Consumer complaint received 2022-10-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX Balance : 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 2023-07-23
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. (IL)

On XX/XX/XXXX i sent a dispute letter regarding inaccurate information reporting on my credit file, i haven't received a response, on XX/XX/XXXX i sent my XXXX letter and never received a response, on XX/XX/XXXX i submitted a complaint and the company never provided me documentation or an update on my credit file, i have addresses this matter several times, on XX/XX/XXXX i sent my FTC Report and i still haven ; t received a response XXXX years i been trying to get resolutions on the accounts that do not belong to me.