davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

My fianc and I called XXXX XXXX ( XXXX ) to recover an old account that we couldnt access due to not having access to the old number and email attached to the account. They then stated that there is another way to recover the account and asked for remote access to both of our phones, accessed both of our XXXX XXXX, My Bitcoin through XXXX XXXX, and My XXXX Account. They took about {$600.00} of my fiancs money through XXXX XXXX and Bitcoin. And then took about {$1000.00} from my XXXX Account through 2 transactions. One for {$600.00} and one for {$400.00}. They also called back on a few numbers. Before we knew for sure that it was a scam, it was too late and they had our money. I even contacted XXXX XXXX through my computer during the call to ask about the legitimacy of this number and verification process and they didnt seem too concerned at the time. It was early on in the call before the larger amount was taken. We eventually hung up and called back and were informed that it was a scam. They then said we needed to purchase a card at XXXX to return our money but we did not and hung up. I immediately contacted my bank and filed a claim which was denied. Ive been messaging them for weeks trying to get them to re open the case. Chase Bank wont help me because it was done through remote access and XXXX and they dont see anything by looks fraudulent on their end. And the true XXXX XXXX can not help due to the scam and transactions not being made through XXXX XXXX  in any way. I am now behind on multiple bills, no groceries for my toddler and {$11.00} to my name and Im running out of options on getting this resolved and my money recovered. Please let me know if there is any other information I can provide to work towards resolving this.
Consumer complaint received 2021-10-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: M&T BANK CORPORATION (NY)

I received a letter from M & T Bank, it was like a statement that stated an action as items returned. The amount was {$540.00}. The date this letter was issued is XXXX. I would have remembered doing or returning something in that amount, so I called M & T Bank to inquire. They told me it was identity theft and they caught it and made a note in their system that this was in fact not me! So now Im wondering if my information is all over the place. This bank did a great job in detecting it was fraudulent and sending me the letter. So I have no issue with the bank.
Consumer complaint received 2021-10-20
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. (MN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-10-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (CA)

My two loans were sold to the Money source for servicing. 

I was sent a letter stating my insurance had lapsed and they were charging me for new insurance. I called 8 times and was transferred and dropped each time. each time i spent over one hour to reach someone. i sent 20 emails and no response except to call the number even though i was told i could send an email i was told the property taxes were not paid and wanted to find out what happened. No resolution even though property taxes were included in both my loans. they deliberately make it nearly impossible to reach the company. in the meantime they charge you for excessive services.
Consumer complaint received 2021-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I received a call from Capital one to confirm application they received from the web. I called them back and they said they wanted to confirm information they received on new credit application. I informed the caller this was not me and she cancelled the application and told me to contact the 3 credit bureaus to place a freeze on my credit report and have the inquiry removed from my credit report.
Consumer complaint received 2021-10-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: LDF Holdings, LLC (GA)

For two weeks now, I've been telling XXXX that I was going through a Hardship due to me being sick and have asked them for longer time to make payment longer than 1 to 2 weeks and this week I told XXXX that I couldn't make any payments now and told XXXX not to withdraw from my account because it puts it Negative status and I just can't afford it and asked them for Extended Repayment Plans on several occasions but never gotten an answer and today XXXX withdraw funds from my Checking account after I've told them and asked them.
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Back in XX/XX/XXXX, Experian was asked to remove all delinquency on my file with a letterhead respondent credit status from child support to send over to Experian. I made several attempts to resolve this issue by filing complaints with Experian even sending the child support agency several emails on this issue. They have responded on XX/XX/XXXX giving me a new Respondent credit status letterhead once again asking to remove delinquency from my file. The Child support agency also sent me several responses telling me to file a dispute with the credit reporting agency so they will contact them. All creditors that report to credit reporting agencies are allowed to request removals as long as both parties come to an agreement. There can be several reasons why a negative item can get on someone credit report and sometimes it is by accident or the person has a good excuse as to why it happens but the creditor is the only person that can agree to remove the item and child support agreed to remove the item. Experian is the only credit reporting agency that refuses to remove the negative item causing me to get needed funds in the past. I am in contact with someone that is representing Experian hoping he can help resolve this issue. Child support is a government agency that should have no problem getting any negative item off of anyone child report that no worries of the law coming after them because they have immunity. Experian is a private reporting agency that I feel is violating my fair reporting act and should fix this problem right away. I attached all documents to support my claim. Please remove any delinquency off of my child support account, I do not owe any arrears and have a XXXX balance. XXXX XXXX, I attached proof that both XXXX and XXXX remove the delinquency back in XX/XX/XXXX. Experian is the only one that is refusing to remove the negative item.
Consumer complaint received 2021-09-28
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 (NJ)

I ordered a subscription costing {$140.00} on XX/XX/21 using my Capital One credit card. The subscription came with a 14 day satisfaction and refund policy. I canceled the subscription via email on XX/XX/21 and have proof of email and screenshot to show the cancellation. 

When the company did not respond and did not refund the money, I filed a dispute with Capital One on XX/XX/21. 

On XX/XX/21, Capital One reinstated the charge even though I have all the proof of cancelling the subscription in a timely manner. Capital One never bothered to see any of the proof I have and have quietly reinstated the charge. They are promoting scammers like the one who scammed me by supporting their fraudulent charges. 

I need Capital One to immediately charge the merchant and refund the {$140.00} that has been fraudulently charged to my card.
Consumer complaint received 2021-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (CT)

On XX/XX/XXXX Auto Insurance Policy # XXXX is created confirmed to establish automatic payments to XXXX XXXX XXXXXXXX XXXX affiliate, XXXX XXXX located in XXXX. 
XX/XX/XXXX - Cancellation of Insurance Policy XXXX date is determined to be active as without confirmation between the buyer of the contract. Therefore breaching the consumer law. XXXX XX/XX/XXXX - Date of Loss of XXXX XXXX XXXX covered under the existing policy # XXXX ; this documents Me as party with insufficient insurance and in turn voids complementing existing GAP insurance coverage. 

XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX provided a coverage policy quote to adjust to changes with payment structure and establish a new policy. creating negative credit reporting to all bureau adverse action on, creditor 's report and liable for tort for multiple parties covered in the policy as drivers damaging credit and my account being reported on record as charged -off.
Consumer complaint received 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (PA)

Hello, There are 3 errors on my credit report : 1. My loan type is FHA and its states that its an Conventional Loan.

2. My loan is not backed- up by FHA and my mortgage lender is charging me a fee to FHA because they missed up on my loan. FHA rejected my loan. I request information in writing from XXXX XXXX  but they refuse to send me any documents in writing. I called FHA and they told my that my loan is not insured by them. 

3. My loan was closed in XXXX of 2021 and I was not notified until XXXX of 2021. I made a payment via Shellpoint in XX/XX/ 2021 and my payment was denied because they were no longer holding my account information. Once they told my who service my account, I made my payments via once I received the new information. XXXX XXXX has my payments are late 90-119 days in the month of XX/XX/ 2021, however Shellpoint has no information.
Consumer complaint received 2023-02-18
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: Experian Information Solutions Inc. (AL)

XX/XX/XXXX -- - ; I received a letter from XXXX stating effective XX/XX/XXXX ALL of my student loans had been forgiven ; now loans have a XXXX balance therefore status on any of my credit reports should now be this US Dept of EduXXXX XXXX student balance now XXXX ; Status/Remarks should now be Paid. Closed. I have disputed this item several times with Experian with no corrective results. ( I have attached copy of the letter stating effective XX/XX/XXXX ALL of my student loans have been forgiven. I previously provided Experian with a letter dated XX/XX/XXXX advising these student loans would be forgiven in XX/XX/XXXX. )
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CO)

I have had dozens of instances where a charge will show pending, which according to them means that the charge isn't final but is reflected in my available balance, then when it finally posts all of a sudden my account is overdrawn and I have overdraft fees charged. When I talk to someone at the bank, they only offer to refund some but not all or they refuse to refund any of them
Consumer complaint received 2021-10-20
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. (NJ)

A credit card was opened in my name with XXXX XXXX XXXX/XXXX by a fraudulent person/ identity thief .... i have provided police repot to credit bureaus Equifax and XXXX and no one will remove this from my credit report, it was removed by XXXX. i contacted XXXX several times and have received no response or a " we will call you back withing 48 hrs.. this has happened twice in the last two weeks. 

I dont know what else to do.
Consumer complaint received 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (CT)

I have several issues with this report done through First Advantage such as the following my reports been used for employment verifications along with a background check regarding my life and this company has provided more than 7 years and even 10 years worth of information which I feel is more than enough to go off of I am requesting that this information be removed immediately from my credit reports anything over seven years should be removed per the statue of limitations. Also ALL charges from XX/XX/XXXX are completely wrong I was arrested XX/XX/XXXX and that is the actualy date in which should be used in the reports and I have the proof to provide this information I am requesting please fix this erroneous report and remove it from my background check report due to this being over 7 years. in regards to the criminal record Please fix the date for the XX/XX/XXXX to XX/XX/XXXX and I can also prove these dates to be wrong as well and would like to request that this be fixed. No information should be shared over seven years and I would like to request to please have this issue fixed thank you. If you need any further information I can provide it thanks ....
Consumer complaint received 2021-10-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (VA)

Tried to dispute two accounts ( XXXX XXXX XXXX and XXXX XXXX ) along with incorrect addresses, but Experian refused to allow these disputes. The account with XXXX XXXX XXXX was a corporate/business account. I also reported inaccuracy with late payments from the XXXX XXXX account. 

In addition, I only had two addresses ( mailing and physical ) that should be on my credit report.
Consumer complaint received 2023-03-12
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: DISCOVER BANK (WI)

In accordance with fair credit Reporting act XXXX  Account # XXXX has violated my rights 15 USC 1681 Section 602 State I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consume reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm sending this complaint to request unauthorized credit inquiries be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

The duty pursuant to the FCRA, it EXPERIANs to be reporting correct and accurate information on my credit report and file, however they are NOT. EXPERIAN is reporting XXXX inaccurate late payment for the XXXX XXXX XXXX account beginning in XXXX. This includes a 30 day late payment posted in XX/XX/XXXX. This is incorrect and is supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of this inaccurate late payment has resulted in EXPERIAN violating my federally protected consumer rights. To add to this, I did NOT give EXPERIAN written instruction/permission to furnish this inaccurate late payment on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination and possibly homelessness very soon. I have tried to remedy this situation by responding to EXPERIAN via written letters to remove this inaccurate reporting of late payments on XXXX XX/XX/XXXX and XXXX XX/XX/XXXX, however they have continued to ignore my requests. It is because of this inaccuracy that is causing my wife and myself to not be able to find a mortgage lender in order to secure safe housing for us. I fear that if these inaccurate late payments arent removed soon, that we will be homeless.
Consumer complaint received 2023-03-15
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account # 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 By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify.

I understand that under 15 U.S.C. Sec. 1681a ( 2 ) Exclusions. the term consumer report does not include, any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

I also understand that a reinvestation of this report must be made within 30 days of recipet of this letter- 15 U.S.C . Sec. 1681a ( e ), The term investigative consumer report means aconsumer report or portion thereof in which information on aconsumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of theconsumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of theconsumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this Matter.
Consumer complaint received 2017-03-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I 've disputed the information with Transunion, XXXX, and XXXX about duplicates listed on my negative account regarding student loans. One loan is listing for only XXXX $ but is clearly a part of the loan with the same account number and open dates. There are other student loans from Dept of Education/XXXX with the same everything thus, listing that I have XXXX negative accounts when there should only be one. This is really hurting my credit score and I ca n't get the Dept of Education ( since the loans are no longer with them ) nor the credit bureaus to correct this information.
Consumer complaint received 2023-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Upgrade, Inc. (VA)

Case # XXXX Case # XXXX Case # XXXX Managers XXXX & XXXX agreed that my card should havevbeen replaced inorder to prevent duplication & I told them that I been waiting for weeks for my money back & that they should use the priper chargeback reason code XXXX for merchant misrepresentation. My card was found at the gas station for 8hrs & I feel that it may have been compromised after its return. I'm still waiting for my money Im XXXX  they keep transferring my calls & wasting time not taking anything action to send my claims to XXXX. XXXX the only entity reserved to process & approve or deny claims and the analyst at Upgrade keeps rejecting to send my Disputes to XXXX to make the decision. I feel that is a violation of my rights.