davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-12
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. (CT)

I initially in writing to Chase Bank in late XXXX about a charge that was unauthorized on XXXX from XXXX in the amount of {$790.00} after many letters and complaints they still did not do anything yet in XXXX they closed my original account and reissued a new account and sent me a letter indicating they moved this charge to fraud and it would be immediately credited however they have failed to do that and almost 8 months later it is still on my statement and I'm getting charged interest. Even after this I still use my card and PAY for my charges and have never been late however I will not pay for a charge I didn't make and refuse and Chase refuses to do anything even after many attempts and letters they write stating so. I feel this is last step before I begin a case in XXXX XXXX XXXX XXXX against them
Consumer complaint received 2022-05-15
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. (GA)

Went to help my wife get a car, I explain to them not to run my credit more that one time because it would hurt my credit score XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-10
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (FL)

Dear Debtor, Your case file # : XXXX is handling by LEGAL DEPARTMENT OF  ACE INCORPORATION and we are working with FTC XXXX FBI and all the three credit bureaus, So now you may cooperate us in order to resolve the case file # : XXXX BEFORE WE DOWNLOAD YOUR CASE FILE INTO THE COURT HOUSE. 



This is in reference to your Case File # : XXXX XXXX with ACE INCORPORATION in order to notify you that after sending several emails we were not able to get hold of you. So the IC3 ( Internet Crime Complaint Center ) has decided to mark this case as a flat refusal and press charges against you. 



Your account with ACE is in Final Collections. According to our records, your outstanding balance was {$980.00} It may be possible that you may have some financial hardship with you. 

So, we are just giving you a last chance in order to take care of this matter, if you just make a payment by today then we will close this account as paid off in full with XXXX balance. Kindly reply back for the settlement amount. 



Or, else we won't be able to help you out. 



Do revert back if you want to get rid of these legal consequences and want to make payments within the next 48 hours or else the case will be downloaded against you.
Consumer complaint received 2022-08-17
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. (TX)

I called XXXX and TransUnion credit bureau after I purchased a credit report from Identity IQ on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there were : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$67.00}, XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XXXX Balance : {$2600.00} on my credit report which is UNKNOWN to me. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent account and have it BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any accounts which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the thief identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: DISCOVER BANK (FL)

File a fraudulent dispute on XXXX XXXX, name of transaction : Debit Purchase XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$300.00}, Fraude Dispute amount : {$300.00}, reason- unauthorized and have been having this issue with you all for months without resolution, this is a Debit purchase. I was told falsely by multiple agents that they have filed the fraud claim but that was a lie. I would like my funds back via check as this was unauthorized and you all closed my account without explanation. I have provided all information you all asked of as well as filed police report and still having issues with this fraudulent transaction.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

At the end of year XXXX I did summit a dispute to reinvestigate with the three credit bureaus about incorrect information on my credit report from company XXXX XXXX XXXX, account # XXXX. I inform them about discrepancy between the XXXX credit bureaus, for example on XX/XX/XXXX XXXX report Data Unavailable, XXXX on XXXX and Experian on time. XXXX report account on time on months XXXX, XXXX and XXXX when Experian and XXXX reported as closed on XXXX, they return the dispute as verified stating that " the account meets requirement of the Fair Credit Reporting Act. '' The account has errors in the payments history and does not match if is compared between three credit bureaus so the account " does not meet the requirement of the Fair Credit Reporting Act ''
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

My name is XXXX 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 2020-06-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Approximately XXXX/XXXX/3020 I called Specialized Loan Servicing regarding my mortgage. I have gotten laid off on XX/XX/2020. All I wanted was some information. All the had was a recoding forbearance information only.I never signed for one and never spoke to a human being. It automatically put me in forbearance. When I got an email regarding it I called back right away to try to tell them no I do not want it yet I just wanted to know what my options were. Since that day its been a nightmare. They will not take me off forbearance. They also took me off my automatic payment through my checking account at XXXX XXXX. I called several times but these are the dates Ive documented XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. Every time I call they say theyre taking care of it and getting me off of it its been well over two months and Im still not off of it. I continue to get emails and letters telling me I need to make my payments or schedule something. I have made sure each payment has been made each month I am up to date. I have asked for a supervisor several times but none will call me back. It seems to me theyre keeping me on this forbearance so that they can get funds from our government. I also found out on XX/XX/XXXX my payment has still not posted and today is XX/XX/XXXX. I also have to keep watching my accounts they keep telling me they have me automatically taking my mortgage payment out. Not true. I keep watching that. This is the worst mortgage company Ive ever had to deal with in my whole life and Ive had several mortgages. I guess they believe theyre above the law. I want to see where my signature is for a forbearance.Thank you for your assistance in this matter
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

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 2024-02-23
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: Experian Information Solutions Inc. ()

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX Balance : {$60.00} XXXX XXXXXXXX Balance : {$890.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2020-06-10
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. (DE)

Hello and thank you for taking the time to review concerns. Extending gratitude to XXXX   XXXX for granted credit line since 2013. However, out of nine years, two-late payments occurred. I know during this unpresidential time, several agents are working from home. However, with two-late payments, creditworthiness and credit decreased due to negative reporting.
Consumer complaint received 2022-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In XXXX 2022, I opened a capital one venture X credit card. Within one week, my data had been stolen and used fraudulently. The company froze my account. In XXXX 2022, the fraud claim was resolved and charges were refunded to my account. However, there were actual charges made by me and the {$390.00} membership fee. Although the fraud was resolved, the Company wanted to verify my identity before unfreezing my account ( blocking all functions but payment on existing balances ). I called throughout XXXX and XXXX and was told their department was handling my account and the only thing I should do was make the payments ( including the membership fee ). By the end of XXXX, I had paid off all balances. I called once more XX/XX/XXXX and was informed they were still reviewing my account. On XX/XX/XXXX, I called again and was told my account was closed and I was outside of the refund period for the {$390.00} membership fee despite only one week of usage and my repeated attempts to get my account unrestricted.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (SC)

In XXXX I opened a Well Fargo checking account. At the time I lived in XXXX, GA. I thought that I would be XXXX of the people notified when the lawsuit was filed but I was not. Maybe because I've been back in SC since XXXX. I had nothing but agony the entire time I had this account. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This bank always found a reason to allow my checks to deposit a following day. I would have so many checks with NSF. Every month. The employees were rude. On XXXX occasion during a dispute, a XXXX followed me out of the bank as if he was going to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After I was denied a housing loan I left the bank. Even today, I still carry the hate I have for Wells Fargo. In XXXX my mother took out a {$2500.00} loan for us to go XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX she was still with Wells Fargo and still paying back the loan. I told them that they were lucky because if it was me they would never get another XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (LA)

Blue Bird has done nothing to help the people like me because of COVID-19! I have not been happy in 15 weeks, no responce and no nothing, and all they can do is misplace pre paid debt card transactions, and charge me fee after fee! Please do not waste your time here! Worst bank I have ever dealt with in 43 years of wreckening. They NEVER answer customer service, promise to call back and dont, ignore emails. Avoid at all cost! Where do I begin? I would give a zero if possible. XXXX, XXXX closed my checking account for " fraud. '' I thank them. So that part is good. I don't want to do business with the clueless. First time I've ever been accused of fraud and thats not so its my dad. But they wasted three weeks of my time and made it difficult getting my {$25000.00} back from them. When I finally screamed at them that I don't care, we're done, give me my money back ... I got it back. Nice doesn't work. I moved from XXXX  to XXXX  and opened an account online ( big mistake ). The online portal didn't work right. So I called, ( all-total five phone calls ) to get it corrected. Finally, the transfer went through. After they got my money, they cancelled my account. The whole time I was locked out of my account and the online people said Blue bird would explain why ... they were also sending me " welcome to b '' emails. Blue bird "  We're here to help you. '' No joking, I'm serious. Cut to the end ... I don't know what the fraud was, because the final letter was vague and pinpointed nothing to help me out., have no debt, and a. Good luck, worst banking experience ever. If I could give zero stars I would! I was discriminated against, I am currently being falsely accused of committing fraud while I was trying to diversify my bank portfolio! They closed my accounts without any notification, it has been 2 weeks and I have yet to receive a written notice on why my accounts were closed and they are wrongfully holding my funds and refusing to release them to me violating Regulation CC. Filing complaint with the FDIC.
Consumer complaint received 2023-11-27
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: Experian Information Solutions Inc. (GA)

I am writing to inform you that I recently discovered that my credit report contains information that has been adversely affecting my creditworthiness which prevents of sucessful completing my education and other things. I want to inform you no one helped me put my credit file together, and therefore, please stop trying to hold up my request for you to delete and block information on my file. 
As such, I am requesting that you proceed with deleting and blocking any adverse information that may be present in my credit report in accordance with Section 605c of the Fair Credit Reporting Act ( FCRA ). This includes any information that can not be verified, is outdated, or has been reported in error. 
I would also like to request a copy of my updated credit report after the information has been removed or blocked. 
I understand that you have 4 days to do this according to 605c, and I kindly request that you provide a written response outlining your findings and actions taken. 
Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any further information.
Consumer complaint received 2023-01-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (CA)

Credit Resurgance said I opened an XXXX account in XX/XX/2021 and I havd never owned XXXX for about 10 years so how can it be possible to verify this debt to prove that I owe nothing
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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.

BANKRUPTCY reporting on all 3 of my credit bureaus 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 2020-06-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (GA)

On XX/XX/2020, there was fraudulent activity in my Venmo account to where {$1000.00} was transferred to a person named XXXX XXXX. I do not know who this person is. 

After taking my account information off of Venmo, they paid the person, and now, I owe Venmo {$1000.00}. They do not accept my claim because they claim that it was an authorized payment. I have tried to file this claim multiple times, but they still say that I made the payment.
Consumer complaint received 2020-06-10
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. (AZ)

ALL 3 " CRA '' REPORTING OUTDATED ACCOUNTS NOT MINES AND NEVER DONE BUSINESS WITH COMPANIES : " XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  '' ... REMOVE ALL FROM CREDIT FILE
Consumer complaint received 2020-06-10
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. (CA)

After careful review of the report I find out accounts which are not belong to me. f 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. f 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.