davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NV)

I disputed a {$350.00} charge on my account with XXXX XXXX XXXX  because I paid for a marketing service. The service I signed up for was through the company 's CFO named XXXX XXXX. The company 's marketing program that I paid for advertised that they would provide marketing recognition and name recognition for my business and those services were not rendered. The service with XXXX XXXX XXXX was for {$350.00} and was paid for in Mid XXXX. As months went by, I corresponded with them to see when my marketing services were to be rendered and they said they were working on it. I never received my services after several months of correspondence, so I called Chase to dispute the {$350.00} charge. On XX/XX/17, my temporary credit was reversed and I was re-charged the {$350.00} despite me telling Chase Bank that I did not receive the services I paid for. I spoke to a woman named XXXX, and a man named XXXX at Chase over the phone. XXXX told me that even though I did not receive the services I paid for, there was nothing they can do to refund my {$350.00} because I was supposedly supposed to dispute my charges within 120 days of the service. I disputed these charges outside of the 120 window by 9 days, and XXXX said there is nothing they can do. He was rude, condescending and not helpful. When I first disputed this charge with XXXX, it was not disclosed to me that I would forfeit this temporary credit and I was not advised of the 120 day window. If this was the case, I should have been notified that making such a dispute would be for no good reason. I need to be refunded {$350.00} for the services that I never received from XXXX XXXX XXXX. To this day, XXXX XXXX XXXX has not responded to my persistent requests for an update on when my marketing services would begin. This is fraudulent and unfair business practices, and frankly, theft.
Consumer complaint received 2020-03-19
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. (CA)

I was at the XXXX XXXX earlier today XX/XX/20 because I want to buy my mom a new car but when they ran my credit to see what I qualified for, I was told that I wasn't approved because there is already a XXXX XXXX XXXX account appearing on my credit as a repossession as well as a XXXX XXXX Account appearing also as a repossession & XXXX collection account. I have never leased a car with either of these companies nor have I ever had any of my cars repossessed and I have never signed any contract or document with XXXX  collection company. I don't know who these accounts belong to and I did not benefit anything from them being on my credit history such as money, goods, services or any other benefit. I did not authorize anyone to use my name or personal information to seek the money, credit, loans, goods or services described in this report. I also took it upon myself to file a police report and a complaint with the CFPB.
Consumer complaint received 2020-03-19
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)

I want to report an identity theft in my credit file, I checked my credit for accuracy and I saw a number of accounts that I didn't recognize, resent bills in the mail make me suspect that my identity was stolen, now I'm following the steps to try to remove these account from my credit.
Consumer complaint received 2020-03-31
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I made a purchase for {$440.00}, I never received the order and merchant refunded me it. I received the refund of {$440.00}, then same day the refund hit my bank, the merchant rebilled me for {$440.00} and refuses to refund it without giving me a reason to why they recharged me. I now have 2 transactions for {$440.00}, the first one was refunded so I call Capital One to dispute THE SECOND charge of {$440.00}. First issue is, the employee who opened the dispute for me mistakenly credits me for only {$44.00} ( I have proof via letter stating " I am receiving a credit of {$44.00} for the charges being disputed of {$440.00} '' ). I have called multiple times to get the missing {$390.00} temporary credit that I was owed, and they finally issue it after a dozen phone calls over 2-3 weeks. A few days after the {$390.00} temporary credit was posted to my account, I got a transaction rebill for {$44.00} ( now my full {$440.00} temporary credit just went down to {$390.00} ) .... and agents couldn't tell me why I was being rebilled for the {$44.00}, and after speaking to two supervisors at the dispute team, they both suggested to just wait for the dispute outcome. Fast forward 2 weeks, I got rebilled for the remainder of {$390.00} AND {$440.00}.

Their outcome was the merchant already refunded me, but KEEP IN MIND, merchant only refunded me for the first transaction, not the second. However, Capital One is stating merchant issued a refund for the 2nd transaction I am disputing, when in fact they only issued a refund for the first transaction of {$440.00}. Now I have a purchase adjustment/transaction rebill for {$44.00}, {$390.00}, and {$440.00} totaling to {$880.00}. My {$440.00} dispute just turned into a {$880.00} XXXX storm, and I can't get a hold of the Capital One dispute because their hours are not 24/7 and the last 4 days I have called, I have been on hold for more than hour and can not stay on the phone for hours just to get an agent from disputes then explain the entire situation over. 

The snippet of my transactions attached shows XXXX XXXX only refunding me for the FIRST TRANSACTION not both the first and second transaction the agents are telling me over the phone. There is only ONE merchant credit in my account for {$440.00}.
Consumer complaint received 2020-03-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Jon Barry and Associates, Inc. (SC)

I do not have any contract with this company and am not aware of this debt. It appeared on my credit without any knowledge of this debt. I have tried to reach out to this company and have not had any solution made to this problem. I want this taken off my credit ASAP. I do not owe this collection agency any money.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (WI)

Experian data XX/XX/2024. The credit reporting company Experian shows several incorrect and irrelevant addresses, misspelled names, and phone numbers that are no longer relevant and/or are not my most recent address. I attempted to have them removed and was told that previous addresses are relevant to my report.
Consumer complaint received 2020-03-20
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: GOLDMAN SACHS BANK USA (CA)

Goldman Sachs - Apple Credit Card : Fraudulent Charges : Refuses to refund unauthorized charges. 
In violation of The Fair Credit Billing Act ( FCBA ) and the Electronic Fund Transfer Act ( EFTA ) The account is being reported to credit agencies as late but all charges on Credit Card are due to unauthorized charges which Company refuses to provided documentation from the merchant. 

I have been requesting Documentation of resolution since XX/XX/2019, Apple Card has violated its own policy 's which state that they will provide all documentation in a timely manner when requested. 

I have contacted a requested this documentation every 2 weeks from Apple Credit Card since unauthorized charges happened.
Consumer complaint received 2020-03-20
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/2019, I file a claim with Bank of America EDD Prepaid Cards for transactions that I did not make or authorized as well i notified to this institution that I was victim of identity theft on a prior call and before XX/XX/2019 I cant see whats going on my accounts, transactions etc, the reason? Because they did not send me any any statement by any form e-mail or mail. They stat mailing my statements since I report the following claims : claim number XXXX {$2500.00}, claim number XXXX {$420.00}, claim number XXXX {$150000.00}, claim number XXXX XXXX, claim number XXXX {$97.00} but from that point I cant recovery from that and BoA send me a statement said we have concluded our investigation and have determined that no error have occurred in this instance and that I am liable for unauthorized transaction ( s ). So Ill could that that but they they weren't even mailed statement ( for making sure that I have the knowledge of my transaction ( s )  thats unfair and Im supposed to have trust in this institution my funds instead be aware of them.
Consumer complaint received 2021-06-18
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. (OH)

On XX/XX/XXXX XXXX XXXX placed a chargeoff on my credit claiming that I had an account with their company with account number XXXX. I have never resided in Texas nor have I ever given anyone permission to obtain utilities in my name. According to the entry on my credit report, it states that the account was opened in XXXX of XXXX and charged off in XXXX of XXXX. I researched the address where the alleged service was located ant it was in a trailer park in Texas. I am a XXXX  XXXX with impeccable credit and have never received such service or lived in a trailer park in Texas. Nor do I know anyone that lives in a trailer park. This has caused my score to decrease by XXXX points and I was about to close on a home and purchase insurance but unable to do so since you put this fraudulent information on my credit. XXXX completed its investigation and determined it was fraud. Notice was sent to them by both XXXX XXXX and myself via certified mail requesting that the item be removed. Yet it still remains on my credit. I want the CFPB to publish this description on consumerfinance.gov so that
Consumer complaint received 2021-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (MI)

Our phones and computer were hacked, resulting in an unauthorized user taking over {$16000.00} from our checking and savings accounts. Chase Bank in XXXX, Michigan has accused us of letting it happen, and they are not being cooperative in helping us get our money back.
Consumer complaint received 2020-03-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

As of XX/XX/2020 I received a notification that I had a new collection on me. I have not been to the hospital while uninsured in more than 5 years. I have not been to any type of emergency room or a hospital in over 2 years. This is not me. I demand to receive proof of this supposed debt. Legal actions will be taken if this is not removed from my credit. I have been working very hard cleaning up my credit and this is unacceptable!!!
Consumer complaint received 2020-03-31
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2700.00}, {$4600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account. 

2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4600.00} -This is not my account.
Consumer complaint received 2024-01-10
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-03-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (CA)

The company which services my mortgage loan is Home Point Financial Corporation. I sent them my XXXX and XXXX mortgage payment in the amount of {$6000.00} in the form of cashier 's check on XX/XX/2020.  According to the copy of the cleared check I received from my bank, Home Point received and processed the payment on XX/XX/XXXX. The copy of the cleared check my bank sent me has Home Point Financial 's stamps on it. 
As of XX/XX/2020, they still did not credit the payment to my account in violation of RESPA and now is showing past due. Since XX/XX/2020, I've been calling them everyday. Customer service claim they don't know how my check disappeared and tell me they can't help me. I've also sent them numerous emails where I attached all the evidence that the payment was made and processed by them, without receiving any response. Every time I call they place me on hold for over 30 minutes, before I can even say something they keep telling me that my account is in default and they will start the foreclosure process. 
I've also sent them a notice of error which again they failed to acknowledge and respond in violation of RESPA. At this point I've exhausted all my sources to communicate with them and have a proper investigation conducted on my account. 
Their negligence in servicing my mortgage is causing my family and I unnecessary stress. I'm currently working in the front lines of COVID-19 as a XXXX  XXXX  and I really don't need additional worries that my family might not have a place to sleep due to some incompetent company.
Consumer complaint received 2022-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act, XXXX, Account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have to the right to privacy.

15 U.S.C. 1681 Section 604 A, Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-03-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

My mortgage was transferred from XXXX to Carrington Mortgage Services LLC in XX/XX/2020. An electronic payment was made on XX/XX/2020 From my account at XXXX XXXX XXXX, and received XX/XX/2020 by Carrington Mortgage, LLC which accepted payment, however the funds were erroneously credited to an incorrect account rather than to my mortgage account due to two numbers were transposed in the memo field on the payment. 
Upon contacting them to correct the error, Carrington Mortgage LLC requested evidence of the payment, which was faxed to their number XXXX. the evidence provided was Proof of Payment by XXXX XXXX XXXX  ( attached ). showing the payment type was electronic, it includes the Customer Name information and address, payment dates Payee Information, payment amount, send date, received date, status of " Paid '', the memo section shows the loan number with the transposed numbers, etc. 
I contacted Carrington Mortgage Services LLC to confirm receipt of the fax, which they confirmed receipt. however they stated that they would not correctly credit the payment, and it would take an additional 3 to 5 business days for them to review the document.
Consumer complaint received 2020-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CT)

Hello, I am writing to file a claim against Citi Bank Credit Cards. I have an XXXX XXXX AAdvantage credit card with Citi Bank. In XXXX of 2019 they reported my account was late on payments. However, I have never missed a payment on this card or any other of my credit cards. I always pay on-time. When I realized the payment was showing late on my credit report, I called in XXXX to see if they could remove the late payment. They said that there was nothing they can do once it's already reported. I called back yesterday and they also repeated the same thing, that once it is reported there is nothing they can do. 

I have 10 credit cards and NONE of my credit cards have EVER been paid late. All of my other credit cards were paid on time in XXXX of 2019 and this one mysteriously wasn't. I am in the process of home-buying and this late payment is seriously impacting my credit score. I would love assistance in trying to get Citi Bank to remove the late payment from my account. 

Thank you kindly!
Consumer complaint received 2020-03-19
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: DISCOVER BANK (CA)

XXXX  is reporting a Discover Card account with a balance still owing, but this debt was dismissed without prejudice in court. I filed proof of this document from the court, but they are still reporting it with a balance due. It should not be reported at all and not with a balance owing. I will attach copies of documents if I can here to this complaint. Thank you.
Consumer complaint received 2020-03-19
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. (WI)

On XX/XX/XXXX I started receiving notifications from my credit monitoring services that the below collection account was added to all 3 of my credit reports : XXXX XXXX, XXXX XXXX XXXX-XXXX XX/XX/XXXX {$1200.00} XX/XX/XXXX {$1200.00} COLLECTION ACCOUNT I NEVER HEARD OF THESE PEOPLE AND ABSOLUTELY DON'T UNDERSTAND HOW THE CREDIT BUREAUS ARE ALLOWED TO ALLOW PEOPLE TO REPORT UNTRUTHFUL, INACCURATE LIES CALLED INFORMATION ON MY CREDIT REPORTS. I
Consumer complaint received 2020-03-19
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. (NC)

I wrote three requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. Equifax is under FCRA law to obtain the of the original creditors documentation on file to verify that this information is mine and is correct. I have already filed a FTC Report and Police Report. Who verified these accounts? 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 ) & 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 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX
Consumer complaint received 2024-01-09
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. (FL)

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, 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 an 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 2020-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I HAVE SENT THE DISPUTE LETTERS ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX,. TO DATE I HAVE NOT RECEIVED ANY INVESTIGATIVE RESULTS REPORTS. THERE ARE SIX 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA ( FAIR CREDIT REPORTING ACT ). PLEASE DELETE AND AMEND ACCOUNTS AS REQUESTED BELOW. 

THERE IS VERY SUSPICIOUS BEHAVIOR GOING ON WITH YOUR INVESTIGATIVE PROCESS AS XXXX  AND TRANSUNION HAVE COME BACK WITH INVESTIGATIVE RESULTS WHEREBY THEYVE DELETED THE BELOW ACCOUNTS THAT YOU STILL SHOW ON MY CREDIT FILE. I AM SURE YOU DO NOT WANT YOUR INVESTIGATIVE PROCESS EXAMINED IN COURT IN DISCOVERY SO PLEASE DELETE AND THE AMEND THE BELOW ACCOUNTS WHERE APPLICABLE.