davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

I am a victim of an online dating scam and an unauthorized payment scam. Since XX/XX/XXXX, my chase account has been frozen due to the detection of funds deposited in my account that was supposed to be directed to someone else. Due to the scam, Without sending any notification email or phone call, Chase froze my account and funds which caused significant stress and suffering for me to get by. I called and spoke to many different people at Chase, each of them giving me a different story about what actions Chase will take to assist me, to include sending me a check with my money so that I could open a new account and get by. 
After speaking to many representatives that my account had been frozen on XX/XX/XXXX, Chase continued to accept the funds which are the only source of income that I have. My frozen Chase account accepted my funds on : XX/XX/XXXX for the amount {$800.00} coming from XXXX XX/XX/XXXX for the amount {$380.00} coming from XXXX XXXX XXXX for the amount {$650.00} coming from XXXX XXXX 
XXXX XXXX for the amount XXXX coming from IRS Stimulus check I did not authorize any transactions on or after this date, and I did not authorize anyone else to use my account in any way. I was left completely unaware of these deposits because I was told that Chase would supposedly not accept it. 
I have a copy of each of the following documents upon request 1. A copy of my Identity Theft Report which includes : 2. My FTC Identity Theft Report Reference # XXXX 3. The police report about the theft of my identity case # XXXX XXXX County Sheriff 4. IC3 Complaint Referral ; XXXXnternet Crime Center Even after many trying phone calls to Chase and all the immense strain this has put on my ability to get by, I have not received any help or assistance from Chase. Not a single phone call, email, or letter was received by me that showed that Chase would help or care.
Consumer complaint received 2021-03-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On Saturday XX/XX/2021, I sent various payments to a person which I thought was a legitimate provider of a service. Upon paying {$550.00} XXXX in various increments, this person then cut off all contact with me and blocked my number. I then tried to contact the bank and was later told my claim was refused because they had said even though it was a scam, it went through successfully according to how I decided to send the money. They then told me I can do nothing more except look over documents saying why my claims were refused. I have been completely honest with my bank and yet they still tell me that there is nothing that can be done to get back my hard earned money in the event of a fraud/scam.
Consumer complaint received 2021-03-23
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: EQUIFAX, INC. (FL)

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2021-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (WA)

In early XXXX I called American Express ( AMEX ) to discuss card options. The representative told me I was " preapproved for a Gold and Platinum card, we ( AMEX ) can have it to you in two days. '' I stressed the importance of such an upgrade since I grew up relatively poor and that card would have emotional significance to me. The representative then spent the next two hours details the benefits of both cards, stressing, really stressing, even pressing my to accept on the phone, that I was PREAPPROVED. Not considered, but that the card was " already mine, '' I " just had to say yes. '' I considered it and applied later that night. I was denied. With a hard credit check on my report. I have called AMEX 6 times since this incident because : 1. I was proud of the achievement in fixing my credit and so told many people I was getting a Gold card. Now I look like a XXXX 2. AMEX said they would review the call. They determined that they made no mistake, but would not send me a transcript of the call now let me review it. I have had to threaten legal action and they still say they " made no error. '' I can assure you that they did, as I spent two hours on the phone with someone who lied to me so they could make their quotas.

3. Two separate managers told me that what happened was unacceptable, and that I would be emailed and the problem would be solved. AMEX has completely avoided me, hoping I will go away. I will not. 
4.I told the representative on XX/XX/XXXX I would pursuing this further. They still would not send me the call Look, AMEX really played me. Multiple people have lied to me. My solution was ok, I'll pay for the Gold card ( I didn't even want anything free ) since that was what was promised. 

Now I have spent 20+ hours on this issue. I am beyond angry and AMEX negatively affected my credit score, made me look like an XXXX, and wasted my time. 
This issue has taken more than a month. AMEX has made 0 contact with me. They have admitted guilt but done nothing for me.
Consumer complaint received 2021-03-23
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. (TN)

XXXX  is reporting a charge off every month when it should be only reported once that it was charged off. Not that it has charged off 45 times which is impossible. They have XXXX XXXX and XXXX XXXX which I am sure are the same company reporting Charge off numerous times on my credit report. General credit was transferred to XXXX XXXX because of the building being closed down. I am asking that XXXX XXXX and XXXX XXXX be removed and deleted from my credit report immediately. None of the dates nor information lines up with the other credit bureaus. I have asked for a full investigation numerous time from all of these bureaus. Nothing has been resolved. I am asking again that the XXXX XXXX and XXXX XXXX be removed for reporting inaccurate information. All 3 credit bureaus have different information and I can't tell which is accurate and inaccurate. When you compare all 3 none of the info matches but the balance. No dates match or info about the debt matches. Then I have receive a letter from a company called XXXX XXXX that I am assuming has purchased this debt.
Consumer complaint received 2021-03-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them, they said that they will hold my account for 180 days which is a very long time and I think it is inhumane act, I thought that I can't do anything about it because I'm a new user, but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''
Consumer complaint received 2021-03-23
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: EQUIFAX, INC. (TX)

Im submitting this complaint against XXXX Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2021-03-23
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: EQUIFAX, INC. (TX)

Im submitting this complaint against EQUIFAX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. This company continues to electronically verify this " ghost '' account without providing any legally binding evidence, such a signed contract and a complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, this company refuses to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. Its causing me so enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2022-06-02
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: EQUIFAX, INC. (MD)

Due to late markers reporting on an account through XXXX XXXX XXXX, which consequently is reported as a conventional mortgage on my credit profiles, I had enlisted the assistance of outside help to try and correct this matter. On XX/XX/2021, I had submitted a dispute to XXXX directly referencing account number XXXX ( attached ). Additionally, after not hearing back, I had submitted an electronic dispute with XXXX and Equifax directly on XX/XX/2021. Following the 30 days allotted for the dispute to finalize and not receiving any responses as to the status of my disputes and by this account still reflecting as being disputed through the bureaus, I had sent a second request to XXXX and informed them that I would be unable to make my upcoming payments due to them attempting to collect on a debt that I had disputed through both the XXXX directly as well as through the credit bureaus. I had asked that these accounts be placed on hold until being provided with the information requested. There had also been a second request mailed directly to XXXX on XX/XX/2021. After still not being provided with the documentation requested and still no responses from the bureaus, a second dispute to reinvestigate was filed electronically on XX/XX/2021. Again, I hadnt heard back from the disputes filed and the request to postpone my payments had been ignored causing a XXXX and XXXX late marker to be reported as late conventional loan mortgage payments. Again, on XX/XX/2021, and XX/XX/2021, I had sent additional requests to XXXX directly and again was never provided with the information requested. I had cancelled the service through the company I hired and studied my rights under the FCRA and the FDCPA.
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

I have tried to fix my issue with Experian numerous times concerning my credit report. They are reporting numerous accounts that are inaccurate and unverified. I have looked at all 3 credit bureau reports and noticed Experian is reporting the views on the cumberland was opened on XX/XX/2016. Then on my XXXX report I have that it was opened on XX/XX/2016. None of the dates match up on my credit report. They should all say the same exact thing. Every date from the date it was opened until the day it was closed or charged off should be the same. I wanting this account removed immediately from all 3 credit bureaus for reporting inaccurate information.
Consumer complaint received 2021-03-23
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: WELLS FARGO & COMPANY (CA)

Wells Fargo issued me a check for {$30.00} which was owed to me due to a remaining balance on a credit card that I once had. Wells Fargo also issued a 1099-C in 2020 for the {$30.00} because they had also discharged any debt owed on that card. However Wells Fargo continues to report his credit card debt incorrectly to XXXX  which causes negative harm to my overall credit score. Source : XXXX : XXXX can not XXXX? XXXX Per the following article in XXXX XXXX  Can not Issue 1099-C And Subsequently Try To Collect. The issuance of the 1099C establishes that a debt is no longer owed. When a consumer no longer owed a debt to a creditor the creditor can not reports to any credit bureau that a default exists and that same consumer is still obligated to pay it. 
Courts have ruled in similar cases in favor of plaintiffs who sued a bank that issued a 1099-per IRS guidelines yet still sought to collect. Wells Fargo has settled litigation in a class action over this practice of issuing 1099C, asserting it is a tax matter, yet still subjecting the consumer to collections : XXXX XXXX XXXX
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: Experian Information Solutions Inc. (CA)

Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high- risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
XXXX XXXX XXXX Date opened XX/XX/2015 Balance : {$0.00}
Consumer complaint received 2021-03-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I was approached by a family member about lending them some money through XXXX on Chase, When i went to my bank it had already been sent from my account to a " manny '' with an account linked by the phone number XXXX XXXX XXXX XXXX, They sent themselves 2 payments, one of {$350.00} and another for {$500.00} I contacted my family member right away and they confirmed that someone had assumed their identity. 
upon doing a reverse number search, that number comes back to a XXXX XXXX XXXX XXXX ) XXXX, the reverse search states he is XXXX XXXXears old Born XX/XX/1992, https : XXXX this XXXX  account is linked to the reverse search which confirms the name, the location, the birth date XXXX XXXX XXXX Making him 28 as the phone number search states XXXX. 
His zelle and bank are linked through this phone number XXXX XXXX XXXX XXXX and all this should point to the information i have provided, that this is in fact XXXX XXXX XXXX that scammed my bank account. 

I hope you can work with Chase to help me figure this out. 

I have given all this information to XXXX via a fraud claim, I have a fraud claim with XXXX XXXX XXXX which they have stated they will probably not help me ), and 2 cases filed with the FBI, I have also contacted the phone number and spoke with " XXXX '' since his number is linked to the account he used to scam me, he refused to return the money. I will be filing a police report today.
Consumer complaint received 2021-03-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (AL)

XX/XX/XXXX To whom it may concern In XXXX, Equifax leaked the personal data of over XXXX XXXX Americans including mine, as a result of this data being leaked, I am a victim of identity theft, the compromised information leaked such as my name, social, date of birth, drivers ' licenses number, and other personal information that should have been kept secure were used to open several accounts in my name without my permission. Your organization is currently reporting accounts that are a direct result of the Equifax Security Breach, which makes your company just as responsible for damaging my credit and mental health. Your organization has failed to provide me proper legal documentation as stated in the Fair Credit Reporting Act which I have requested on, this is my second attempt for removal. The information you should have provided me should have included the following : An explanation of what each alleged account balance is for, A calculation of this balance, including the complete payment history for each account, Documentation for each account showing proof that I agreed to pay this debt, An Agreement for each account that grants the company the authority to collect debt, An updated copy of the state license for each company, including the license number. 



I would like to also mention I have kept all legal documentation such as verification of previous letters I have sent you, proof that the following accounts do not belong to me, proof that XXXX  breached my data, as well as doctor letter from my doctor stating that this situation has caused me a great  deal of stress. 



Your company is currently reporting fraudulent accounts to my credit file, remove these accounts from my credit file. 

XXXXXXXX XXXX XXXX {$2100.00} XXXX  XXXX XXXX {$580.00} XXXX XXXX {$230.00} XXXX XXXX {$200.00} XXXX XXXX {$130.00} XXXX  {$100.00} XXXX  {$100.00} XXXX  {$100.00} XXXX  {$85.00} XXXX {$59.00} XXXX XXXX {$57.00} XXXX  XXXX XXXX XXXX XXXX XXXX Not only do I not owe you money, but I know for sure that a collection can not collect a debt on behalf of another. Please contact XXXX, Equifax, and XXXX  and have them to remove these incorrect accounts from my credit report.
Consumer complaint received 2021-03-23
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I FILED LAST XX/XX/2021 A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 61 DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.