davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-03
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. (TX)

Inadequate Response to Fraudulent Charges by Chase Bank Description : I am filing a complaint against Chase Bank regarding their inadequate response to my disputes about unauthorized charges by XXXX XXXX XXXX. 

Details : Unauthorized Charges : XXXX XXXX XXXX charged my card {$2700.00} without my consent or signature. The charges included {$1000.00}, {$1500.00}, and {$200.00}. At no point did I authorize these charges. 
Forgery : The merchant provided a document with a forged signature, claiming a charge of {$1000.00} for damages I did not cause. This document is fraudulent, and the charges are baseless. 
Chase Bank 's Inadequate Response : Initially, I filed a dispute for these charges. Chase closed the dispute without a proper resolution. 
I reopened the dispute, and Chase only refunded {$200.00} out of the {$2700.00} charged. This partial refund is illogical and inconsistent. If the document for {$1000.00} provided by the merchant is considered legitimate by Chase, why were the additional charges ( {$1000.00} and {$1500.00} ) not refunded? 
Key Points : The charges by XXXX XXXX XXXX were made without my authorization. 
The only evidence provided by the merchant is a fraudulent document for {$1000.00}. 
Chase 's partial refund of {$200.00} is inadequate. If the merchant 's document is legitimate, why were the additional {$1600.00} not refunded? The total amount charged is {$2700.00}, and only {$200.00} was refunded. 
Resolution Sought : I request a full refund of the remaining {$2500.00} that was charged fraudulently. 
I seek an investigation into the practices of Priceless Car Rental and their fraudulent activities. 
I expect Chase Bank to review their dispute resolution process and provide a coherent and fair outcome. 
Attachments : Copies of emails and documents showing the unauthorized charges and forged signature. 
Correspondence with Chase Bank regarding the disputes and partial refund. 
I appreciate your attention to this matter and look forward to a prompt resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

Email supposedly from Paypal stating a request for funds. Person with Eastern XXXX accent tried to get me to download software. XXXX XXXX said many are reporting a similar email scam to get personal information. The number to call in the scam is XXXX and XXXX XXXX. 

email was XXXX XXXX
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

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. 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, has violated my rights. 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 2023-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (FL)

ATT citi bank card was opened in my name. I contacted the company and they said they would look into it. The next day I received more emails detailing them setting up online banking and the card was on its way
Consumer complaint received 2023-10-05
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. (GA)

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. 

Account Name : XXXXXXXX XXXX  Account NumberXXXX Account Name : XXXX XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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. 

Account Name : XXXXXXXX XXXX  Account NumberXXXX Account Name : XXXX XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I have late payment entries that have been recorded on XXXX, XXXX  ; XX/XX/2019 ; XX/XX/2019. I have a solid track record of making on-time payments for this account. Therefore, I have reason to believe that this reporting is inaccurate.
Consumer complaint received 2023-02-01
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. (NJ)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I have late payment entries that have been recorded on XXXX, XXXX  ; XX/XX/2019 ; XX/XX/2019. I have a solid track record of making on-time payments for this account. Therefore, I have reason to believe that this reporting is inaccurate.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX account is over XXXX XXXX XXXX and should be removed from credit report. Should be deleted past statute of limitations XXXX XXXX for Illinois.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXXXXXX XXXX XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Consumer complaint received 2024-07-02
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Opportunity Financial, LLC (VA)

To this point, I have made 8 of 9 {$240.00} payments as required by the contract. 

I called on XX/XX/24 requesting to cancel my XXXX auto payment of {$240.00}. I attempted to pay the " pay off '' amount of {$210.00}. My request was not honored for an unknown reason. 

On XX/XX/24, I reached out inquiring why my payment for {$210.00} was not charged to my bank account. I was told as I was now in the 48 hour window before auto-pay on XX/XX/24. ( No mention of this window in the contract ) I must call back XX/XX/24 to straighten this out & at minimum receive a refund for the difference between the Payoff cost of {$210.00} & the contractual payment of {$250.00}. This was not honored either. 

On XX/XX/24, I reached out & had a 45 minute conversation with a supervisor. The supervisor acknowledged this is predatory loan with an arbitrary somewhat contradictory contract. He refused to provide me information on the next steps to give through the company 's arbitration process. I was told I must reach out to my own legal council.

Below is a subsection of this " Promissory note & Disclosure Statement. '' " 10. PREPAYMENT. You may prepay this loan in full or in part at any time without penalty. Early payments will reduce the amount of interest you must pay. Late payments will increase the amount of interest you must pay. If you prepay in full, the amount due on prepayment will vary depending upon the unpaid principal balance at the time of prepayment and any other fees or charges due. Any prepayment will not reduce the amount of subsequent installments you must pay until the loan is paid in full. 
"
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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 2018-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (MA)

on XX/XX/2018 I was notified that a negative collection account was placed on my credit account by a RPM Receivables Performance Management for {$77.00}, original client XXXX.

I am in the process of closing on a house so this my prevent me from being able to complete the transaction. I contacted XXXX on XX/XX/XXXX who comfirmed that I owed no money to them. I took the chat transcript and sent to RPM, letting them know this debt was not valid and that any further reporting would be with the knowledge it was false. They ignored me and reported me to further agencies.

They now admit this was in error and was paid, but have yet to remove negative marks from my report.
Consumer complaint received 2023-04-18
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. (AL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-07
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: EQUIFAX, INC. (NM)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 need to be investigated and corrected for erroneous reporting in my file and 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
Consumer complaint received 2023-11-12
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: DISCOVER BANK (MD)

Discover offered me multiple promotional balance transfer offers. In exchange for a one-time transfer fee, I would receive a 0 % APR for 12-18 months. I paid these large fees to transfer substantial balances and receive the promotional APR for the advertised period of time.

I also continued to use the card for typical purchases, but pay in full at the end of the month for any incremental purchases I made, as well as the minimum payment if it was larger than the amount of my standard purchases.

After almost a year, I realized that Discover was in fact using my monthly payments to payoff the 0 % balances that I had paid to be set to 0 %, while allowing my non-promotional balances to accrue at a rate in the 24-25 % range. They effectively converted my promotional balances into non-promotional balances despite the fact that I had paid for the rate to be 0 % on those amounts. 

This type of anti-consumer behavior is very reminiscent of the reordering of purchases to maximize late fees that banks used to do.
Consumer complaint received 2022-11-18
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. (IN)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.
Consumer complaint received 2023-06-16
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. (TN)

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, TN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$650.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Consumer complaint received 2024-06-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (MD)

I did an international wire transfer on XX/XX/2024, at Wells Fargo Bank in XXXX Maryland, for the amount of {$7000.00} to a residential building company called XXXX XXXX XXXX ( XXXX ) in XXXX. I have previously done similar wire transfers through Wells Fargo to this company because XXXX is building my house in XXXX, XXXX. 
The banker at Wells Fargo, named XXXX XXXX XXXX, entered part of the beneficiary 's account number. She did not include the second portion of the account number, which is the beneficiary 's local account number. As a result, the beneficiary 's bank, XXXX in XXXX, could not credit the beneficiary 's account. The money was, therefore, not delivered. I requested a correction on the wire transfer, but XXXX XXXX said it could not be done. So, I requested a reversal of the transfer. 
XXXX in XXXX has submitted proof that {$6900.00} has been reversed to Wells Fargo, but Wells Fargo has given me the runaround. Wells Fargo is refusing to refund the money to me. I have visited Wells Fargo Bank in XXXX every week for XXXX and a half months. I need your help. Thank you.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (VA)

my auto loan never showed up on my credit report from credit acceptance because they said there was a fraud alert on my profile but i never received any information in regards to that alert or any proof that they got an alert or from which company.. i need a clear cut way how to fix this and they are avoiding taking responsibility
Consumer complaint received 2024-07-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ACIMA CREDIT, LLC (LA)

I saw the creditor charged off the debt on my credit report. There for they claimed it as a loss. They never sent me a 1099-c form in the mail to claim it on my taxes as taxable income at that point. They refuse to send me the 1099-c form to claim it on my taxes and the account is closed and they're still wanting to collect on it.
Consumer complaint received 2023-10-05
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (GA)

On XX/XX/2023, after receiving a call from Amsher Collection Services, I immediately contacted XXXX  for clarity. The XXXX representative assured me that I had no outstanding balances. It raised concerns about the possibility of identity fraud and that an unauthorized purchase might have been made under my name. 

Despite no prior communication from XXXX ( via email, phone call, or regular mail ) about any outstanding {$440.00} balance, on XX/XX/2023, Amsher Collection Services marked a debt against my account. This unforeseen action caused my credit score to drop from the XXXX to plummet by more than XXXX points. 


On XX/XX/2023, I proactively reached out to XXXX and Amsher Collection Services for clarity. Interestingly, Amsher Collection Services shared that they've had other customers voice concerns about potential duplicate accounts with XXXX that resulted in collection charges. Upon connecting with XXXX, they acknowledged a discrepancy : an outstanding balance from my personal account, related to equipment, was never moved to my business account ( and not identified by multiple customer service reps on previous calls ). 

When the discussion shifted to the bill, the manager inquired about a final bill. I always handle my bills online, so any outstanding balance should have been visible there, but it was not. It's worth noting that I updated my address months before moving. And, considering we're talking about XXXX, I'd have expected them, at the very least, to reach out to me on the contact number ( cell phone ) they have on file. 

The XXXX manager stated they were unable to reach out to the collections company on my behalf to resolve the issue. I asked for the dispute department info, legal department info, and a return call from the General Account Supervisor and stated I would contact the executive team to request additional assistance.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.