davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-08
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: JPMORGAN CHASE & CO. (VA)

Two charges of {$140.00} and {$1400.00} were added on XX/XX/19 to my CHASE/AMAZON card, for a total of {$1500.00}. On the same statement I noticed a QUALIFIED PROMOTIONAL FINANCING transaction of {$1500.00} The charges were made to my account at that time : XXXX XXXX XXXX XXXX. ( Cancelled. ) My new account is : XXXX XXXX XXXX XXXX. 
I did not authorize these two transactions. 
In a phone call to AMAZON, they did not provide information as to : 1 ) what the promotion was about ; 2 ) any details about the promotion ; 3 ) any data relating to my signature that would have approved the promotional transaction ; 4 ) any data as to what accounts the monies involved were deposited ; 5 ) what individual received the deposits.

My XXXX XXXX XXXX account does not show any such two deposits in the vicinity of the XX/XX/19 date. 
CHASE is charging me {$86.00} monthly to cover the cost of this fraudulent transaction. 
No agent at either CHASE or AMAZON has satisfactorily provided details as to my involvement in any such CHASE or AMAZON promotion.
Consumer complaint received 2023-05-06
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. (SC)

This is my fifth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I openned a dispute online on XX/XX/2018 with Transunion about a wrong name in my credit report. At this date I havent received a solution and is causing problems to get my credit report from credit agencies because the cant identify me
Consumer complaint received 2020-04-02
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: International Computer Systems, Inc. (GA)

FIRST COLLECTION SERVICE Reported : XXXX. XXXX, 2020 {$110.00} There are no contracts, no valid claims ... account was settled with original creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2022 I wrote to XXXX XXXX XXXX in regards to my auto loan being reported as late for XX/XX/2022 as all three ( 3 ) credit bureaus show it was late. On XX/XX/2022 XXXX XXXX XXXX sent me a letter stating that based upon their research they are not reporting any delinquency for XX/XX/2022. I want this negative reporting removed from all three ( XXXX ) credit bureaus immediately as it is inaccurately reported on my credit file.
Consumer complaint received 2022-12-29
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$4700.00}.
Consumer complaint received 2020-03-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (LA)

I negotiated a refinance loan with Chase mortgage and after getting the figures I was asked for a Good Faith Deposit. A couple days later they changed the terms from 100 % financincing to 95 % .i disputed the charge and they wont give me an answer.the agent told me on phone that i misrepresented value of home which I did not.i never gave them a figure.since they record the calls I asked for proof but they refused. I am a victim of classic bait and switch and I need your help.the amount is XXXX dollars. Y understanding is if any part of a contract is changed both parties must agree.
Consumer complaint received 2020-04-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NY)

A series of unauthorized charges were made using my PayPal account. The charges are as followings : {$410.00} to XXXX on XXXX XXXX, 2020 {$350.00} to XXXX on XXXX XXXX, 2020 {$370.00} to XXXX on XXXX XXXX, 2020 I contacted XXXX on XX/XX/2020 to dispute these charges and file a complaint about unauthorized purchases. These complaints were denied and I appealed. During these conversations I learned that there was suspicious login activity on my PayPal account on XXXX XXXX and/or XXXX XXXX, 2020 and this was likely the cause for these unauthorized purchases. 

I also contacted by bank ( XXXX XXXX XXXX ) and credit card company ( XXXX ) as both of these accounts were connected to my PayPal account to notify them about the fraud. I was able to close the account with XXXX that was connected to PayPal so these fraudulent purchases would not go through. 

I was told by PayPal representatives that some of the appeals were granted and some were denied. I was given no explanation why some were denied. Instead I was told they would need to work with supervisors to get these denied appeals corrected. Instead, some of these fraudulent purchases are still being denied as fraud by PayPal and the are now trying to collect these as debt. 

Last week I was contacted by XXXX XXXX XXXX XXXX trying to collect {$760.00} from PayPal. This amount is related to the fraudulent and unauthorized purchases described above. I plan on notifying the debt collection agency via writing that this debt is based on fraudulent activity.
Consumer complaint received 2021-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MO)

RE : Request Investigation of Credit Inquiry on My Behalf Dear Credit Bureau Representative, I recently reviewed a copy of my credit report on XX/XX/XXXX and noticed 19 accounts that were paid in full, old accounts that were supposed to be deleted. 
The following accounts are impermissible : 1. XXXX/XXXX XXXX, XX/XX/XXXX 2. XXXX/XXXX XXXX, XX/XX/XXXX XXXX.XX/XX/XXXX XX/XX/XXXX XXXXXX/XX/XXXX XX/XX/XXXX XXXXXX/XX/XXXX XX/XX/XXXX 6. XXXX XXXX, XX/XX/XXXX XXXX. XXXX XXXX, XX/XX/XXXX 8. XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX. XXXX/XXXX XXXX, XX/XX/XXXX XXXX. XXXX XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX/ XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX, XX/XX/XXXX XXXX. XXXX/XXXX, XX/XX/XXXX XXXX. XXXX /XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX. XX/XX/XXXX, XX/XX/XXXX XXXX
Consumer complaint received 2020-03-23
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. (GA)

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention :
Consumer complaint received 2020-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (CA)

Been a customers of citi bank credit cards have numerous cards with them. 
We called in the beginning XX/XX/2020 state we are small business affected from COVID 19 they said they would note the accounts and I would be able to make Payments because we are affected by the nation wide locked down I called them they stated they saw the notes but dont have any progress for COVID 19 affect My credit score Nevee missed a payment We called 5 time before They picked up Wait times horrible customer service misleading
Consumer complaint received 2023-05-17
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

We had a toxic unsustainable interest only loan on 1st mtg XXXX. Unable to continue with this interest amount after 10year interest only ended and filing bankruptcy we opted, after filing complaint to CFPB in XXXX and lowering our interest rate to stay in our home that was deeply underwater. We are current on 1st and property taxes, same lender. 
My complaint today is about another toxic unsustainable 2nd mortgage loan, interest only for 10.25 % for first XXXX XXXX XXXX After that amount would increase to XXXX for the remainder of the loan. Bankruptcy recession being over XXXX grand underwater took a toll on us but we wanted to stay in our home. 
This was XXXX for amount XXXX $ We managed paying this from XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX XXXXXXXX $ that like the other loan got us no closer to paying down our loan. 
To this day boy a has changed services 2 maybe three times. Green tree and currently XXXX XXXX XXXX XXXX to name two. 
Since XXXX we tried to get some resolution to this for them only to offer us a lower monthly payment but tack on XXXX more years to the loan. 
Up to date we may receive a letter for how we can prevent foreclosure, short sale, payment plan, resolve lien for less than amount. We have not responded over the years and continue to be current on 1st mortgage. 
The loan was for XXXX $ I am unsure why the balance is XXXX XXXX 
I feel BofA should release the lien
Consumer complaint received 2020-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention :
Consumer complaint received 2022-12-29
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. (NJ)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXX/XX/XXXX
Consumer complaint received 2020-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

There are two accounts showing for XXXX XXXX  XXXX XXXX both for the same place. Also the amounts are not correct! There is one showing in the amount of {$3500.00} and one for {$3500.00} When I first started to dispute this Equifax was just reporting one not two and then they added another one after I started questioning the amount.
Consumer complaint received 2020-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NORTHWEST BANCSHARES INC (PA)

-received a letter from Northwest Bank XX/XX/XXXX in short switch your checking accounts to new paperless electronic statements " Affinity Checking '' or get charged $ XXXX. for each account paper statement. 

-enrollment online process had a myriad of problems but completed by XX/XX/XXXX with tech support and email confirmation XX/XX/XXXX received in the time frame. 

-bank not honoring the statement on the original letter dated XX/XX/XXXX received by me XX/XX/XXXX in bold print stating " Enroll all your Northwest accounts by XXXX XXXX to get {$10.00} '' -multiple complaints and grievances made, they refused to give a reference or complaint number for each complaint at my request, last complaint was XX/XX/XXXX, always told will give to Complaint Resolution Team,  they never respond and several months later it remains unresolved. I have not received the {$10.00} promised for any of the 3 checking accounts I enrolled.
Consumer complaint received 2020-04-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (TX)

In reviewing my credit I found that Diversified Consultants was claiming that I owe {$450.00}, On XX/XX/2020, I mail a letter to them informing them that I am disputing the information and I would like them to send me additional information this alleged debt. After month past, and I did not received a response from them and I sent them a second letter asking them to send me information on this account. I would like to resolve this matter and I have tried to reached out to them on several occasions asking them to verify the information, If they can send me information that this account belongs to me, I would had a problem to set-up a payment arrangement or a settlement. I have reach out to another Debt collectors on a other Item I had on my report and I have received a response from other debt collectors. they send me the information that I requested. A couple days later they provided me with the information, I later called them and set-up a payment plan and the account is now resolve. Since, this attorney/ Debt collector has not been able to send me proof that this is my debit, I have given them a several months to provided verification that the alleged debt is mine. The debt collector continues to ignore my request. I don't know what else to do. I don't want to feel like I am being taken advantage.