davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-23
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. (DC)

Chase cardmember dispute services has failed to provide me the consumer protection expected after I suffered a fraudulent charge. The charge was fraught with issues, to include being overcharged for the service ( {$750.00} charge added to the bill over what was invoiced and signed for ), the service not being completed, and being charged for an item on the invoice that I never received ( the invoiced garage door opener motor. ) I provided Chase with texts and emails with the service provider that detailed my struggle to resolve the issue ( the merchant refused to address my concerns. ) I provided chase with a statement from a witness present during the service. I provided chase with a third party inspection that detailed the substandard and unsafe work performed and that corroborated that a major component invoiced ( the motor ) had not been installed. I provided chase with receipts from my having the substandard work repaired and a proper motor installed. 

Chase 's format reply to me was : " We reviewed the information available and found that you either received the services or the merchant made them available for your use. '' That's quite impossible. I neither received the proper invoiced items nor the proper service from the merchant, and nothing was " made available for my use. '' The merchant refused to return to my home even once to inspect the work performed nor address my concerns. He disappeared. My unaddressed emails to the merchant and the independent inspection clearly showed that. 

Chase chose to serve themselves and protect their bottom line rather than protect their customer. It has been an absolutely soul sucking situation to deal with a cheating unscrupulous merchant, but even worse to be so let down by my card company on whom I depended to shield me from such fraud when using their card. 

I attach below the following : -The original SIGNED invoice - The made up, UNSIGNED invoice the merchant provided after it was demanded he substantiate the up-charge. ( note lack of sign off for satisfactory completion of work! ) - The inspection letter from a professional in the same field of work - The invoice for the work I had to perform to correct the substandard installation by the disputed merchant - Payment receipt for correction work - Chase dispute reply letter Transaction posting date : XX/XX/2018 Amount : {$5100.00} Disputed amount : {$2500.00} Note that the disputed amount is only for the costs I incurred in correcting the situation. I did receive a door from the merchant ( that was damaged and improperly installed but I didn't seek return of those funds. ). Mine was a just complaint, supported completely with invoices, inspections and receipts. I have additional data, not included here in the interest of space and time, that I am happy to provide should anyone even care to ask.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-02-18
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

On XX/XX/21 I sent a letter regarding inaccurate and incomplete credit information on my credit report. To this day over 90days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. I demand these account be deleted or updated immediately or I will file for litigation due to the stress you cause me.
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . 
Report and other furnished XXXX XXXX, Sage Stream, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  , XXXX XXXX XXXX XXXX, XXXX,
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . 
Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX  , XXXX XXXX XXXX XXXX, XXXX,
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX AND TRANSUNION ARE REPORTING THAT I HAVE STUDENT LOANS FROM THE DEPARTMENT OF EDUCATION AND FED LOANS SERVICING. THEY ARE DELIBERTLY PUTTING DUPLICATE ACCOUNTS ON MY CREDIT REPORT ON PURPOSE. XXXX SAID I OWE XXXX IN STUDENT LOANS WHEN I ONLY OWED XXXX. NOW THAT XXXX HAS PAID THE XXXX? IT SHOWS THAT I STILL OWE XXXX. THIS CREDIT REPORTING AGENCIES ARE DOING THIS ON PURPOSE AND IT IS NT RIGHT TO THE CONSUMER. THIS INFORMATION IS INCORRECT AND SHOULD BE REMOVED AT ONCE. STUDENT LOANS. BELOW IS THE XXXX ACCOUNTS STILL OPEN ON MY TRANSUNION CREDIT REPORT {$11000.00} Reported balance XXXX XXXX {$7500.00} No Info XXXX XXXX {$3500.00} No Info XXXX HAS THAT I STILL OWE Total open balances {$68000.00} AFTER XXXX HAS PAID ALL OF MY STUDENT LOANS OFF!!! THEIR RESPONSE IS TO FILE XXXX DISPUTE WITH XXXX BUT THIS IS GOING OVER AND OVER WITH THE SAME SITUATION. WHY CANT THEY REPORT THE TRUTH FOR A CHANGE. I DONT OWE ANYONE!!!! FOR ANT STUDENT LOANS AND THIS IS NOT FAIR THAT THEY ARE STILL REPORTING EVERY MONTH THAT I OWE CAUSING A NEGATIVE IMPACT OB MY XXXX XXXX
Consumer complaint received 2018-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

My tax return was mistakenly setup to be disbursed to an account that has since been closed based on prior tax filings. I have an active account with the same bank. The money was received by the bank on XX/XX/XXXX. I called and discussed with them on XX/XX/XXXX and they opened a claim. I was told it would take up to two business days to process the transfer, why does it take this long? 

I waited the two business days and called on XX/XX/XXXX when there was no money. I called the bank again and was now told their policy is all money received to a closed account is returned to the sender after 24 hours. So my money was sent back to the IRS on XX/XX/XXXX. How does Chase bank have a policy of two business days to get transfer money as they stated while at the same time have a policy to send money back after 24 hours? 

So they sat with my money for 2 days and then send it back while an open claim is in process to put it into the correct account? I now have to work with the IRS to have the money converted to a paper check and mailed delaying my funds by up to 3 weeks.
Consumer complaint received 2022-02-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

On XX/XX/21 I sent a letter regarding inaccurate and incomplete credit information on my credit report. To this day over 90days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. I demand these account be deleted or updated immediately or I will file for litigation due to the stress you cause me.
Consumer complaint received 2019-11-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/XXXX I applied for a conventional mortgage with Wells Fargo. Everything went smooth, I provided all requested documentation, paid the upfront appraisal fee and the packet went to underwriting. I was told my loan rep would call me if any additional information was needed and let me know the progress of the underwriting. On XX/XX/XXXX I called Wells Fargo to see what was going on and when someone would be to the house to appraise it. I was informed underwriting would not approve the loan due to the short sale in XXXX and some other reasons. I was not given the common courtesy of receiving a phone call letting me know underwriting did not approve the loan. A few days later I called a FHA counselor and was told that FHA loans can be done within 2 years after short sale.
Consumer complaint received 2024-03-25
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LOBEL FINANCIAL CORPORATION (TX)

Per previous response with the complaint they acknowledge that as of XXXX XXXX they reported a balance {$23000.00}. I have submitted and sent an ample amount of proof to show what the credit bureaus are showing they are reporting as of XX/XX/2024. They stated the system inadvertently switched it back. However, they are also stated that a sale of the vehicle was done. Now, the amount inadvertently updated back to the XXXX and inadvertently went back from the XXXX to the XXXX and but has been updated with the sale of the vehicle. If the account inadvertently went back to the inaccurate amount and was never corrected again and sold the vehicle the reporting is incorrect. Furthermore, they have not supplied me with a letter showing the vehicle was sold. I am not sure what the vehicle has been sold for which is another discrepancy. Needless to say, I have not been proved an opportunity as a consumer to even settle the debt or pay it. They went straight to charging it off without even telling me whats left on the vehicle and after this inadvertently mishap the system did but was never corrected. They took the time to correct it after me process a complaint to the XXXX, but allowed their system to inadvertently change it back and not correct it but state it was sold in auction and then updated. Thats failure on so many ends as a company and violation of many FCRA laws. Theyre also reporting different information to each bureau to this day. I will include all of this and this company has not done what they stated or was to do. This is a major breach and they have been allowed many attempts to correct this. Its only when I file a complaint that they fix it but it goes back to the exact reporting status. I have reported lobel as Ive found that there are multiple people making complaints and active lawsuits against them. If the FCRA and cfpb continues to allows these people and this company to negatively and continue to hurt consumers then legal actions will be taken. Because they have yet to even attempt reconciliation after the sale and went straight to charge off. As you can see on XX/XX/XXXX with one credit they updated the balance and what it shows. This company had been given almost 90 days and have yet to make this right.
Consumer complaint received 2024-03-04
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. (TX)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (FL)

On XX/XX/2022 I made a deposit at a navy federal ATM inside a XXXX. This ATM was supposed to be owned by navy federal. It has navy federal badging and the navy federal logo is on the home screen. On that day I Deposited {$200.00} in {$1.00} bills into the ATM.. However, it only shows in my account a {$20.00} deposit. I called navy federal about the situation. They advised they would start a claim and it would take up to 10 days to issue a provisional credit. I advise that I provided documentation of the receipt to navy federal via my mobile app showing what I had deposited into the ATM. Still I was told there was nothing that could be done that this was a XXXX party ATM M.. I again expressed to the representative that it was not a XXXX party or a Co-Op ATM it was a navy federal AT was ATM I was then a in advice by XXXX a supervisor whom I spoke with on XXXX the XXXX at XXXX PM Eastern time that the ATM was a navy ATM Co-Op ATM. I express to XXXX now the story has changed initially I was told it was a Co-Op ATM then I was told they saw it was a navy federal ATM and then I was told no it was a combination of Both. Long story short navy federal has failed To make a diligent effort To rectify the situation. In summary I deposited {$200.00} was only credited for {$20.00}. It was. I provided the receipt from the transaction yet as Of this statement XXXX the XXXX I've yet to have a resolution. 



The atm is located at XXXX on XXXX XXXX XXXX XXXX, Florida
Consumer complaint received 2020-07-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BELMONT FINANCE LLC (TN)

I was signed up for loan and declined to continue process on XX/XX/2020 and closed out loan. 

I was approached by sales person who also was my house cleaner and asked if her daughter could use my name on loan. I initially said yes, but after some thought decided that I did not want my credit tied to someone I was not married/related to. So I faxed in cancelling loan XX/XX/2020 and mailed in the cancellation as well. 

I was called regarding late payment in XX/XX/2020 and I contacted salesperson who told me she would get this taken care of, I was not very concerned since I had my cancellation paperwork somewhere but I did ask CS agent if there was anything I could and she said no. 
I see that the item continues to be reported on my credit report and company will not take it off.
Consumer complaint received 2024-03-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (CT)

Today, XX/XX/XXXX, I received a statement from a company called ELAN. I have never heard of them. 

They have an account number in here and a number for their online financial services. My balance was XXXX. 

I called them and explained to them that I do not have a card with their company. I asked them how they got my information and I would like to see this go away without hurting my credit which I know happens when you cancel a card. 

They were very uncooperative, would not allow me to answer questions fully, kept cutting me off, and finally was so rude. I hung up. 

I do not want to have this outstanding credit card that I never applied for with my name on it. They said they got it from Peoples Bank and wanted to know if I ever had a card with them and I told him no I never did. I only had my accounts there. 

They were unhelpful and I need to get this sorted out. Please help me maintain my credit level.
Consumer complaint received 2022-02-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (IL)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2022-02-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

Friday XX/XX/XXXX XXXX name is Fracklin XXXX and XXXX address XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX I Living in this adresse since 22 years, since I bought my house I never paid my mortgage late, and I'am the XXXX paid my home owner insurance, my property tax also, in XXXX XXXX received an notice from Wells Fargo bank told me I owe d them XXXX XXXX dollars with out detail, and they added XXXX in my regular monthly payment that I suppose to paid every month XXXX dollars now they charged me XXXX XXXX dollars and they never gave me details to tell me why and my mortgage balance is XXXX. I'm the one who pays my tax and insurance and when I called them they told me if I put a deposit in my scrow account for XXXX dollars they will put my mortgage back at the regular price and I did when I call them again to talk to them, they still remained that amount in my account and they never gave me details on why they charged me XXXX and I requested them to close my scrow account, they refused. I need you guys to help me review my account with them and I made the deposit of XXXX dollars for them on Monday XX/XX/2022 the check number is # XXXX. Feel free to get back to me at XXXX or XXXX. And XXXX of XXXX.
Consumer complaint received 2018-05-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (LA)

This is the most recent complaint that I am sending concerning XXXX. In the past I have attempted to " pay '' the loan off early on to discover that the monies were moved and applied to places that I still have no clarification on to this day. I submitted a complaint to IDPR in connection with this predator lender and nothing has come to this. I designated a XXXX draft from my account which would have brought my account below XXXX Have been paying this way for a few months only to discover that the company drafted it's own amount of XXXX. In the past my payment agreement has been changed to lesser months with higher interest rate. I complain to CFPB constantly and only get feedback from company that never answers my concern such as why were the terms changed without my approval seeing that I signed a 53 month agreement and now this! This is something that the bureau really needs to look into about this company ...
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Foris DAX, Inc. (NC)

My debit card which was on file on Crypto.com account was used three times to purchase a bit coin and then was transferred to some private wallet link and this happens to happen in my account. One was used on the XX/XX/2022 in the amount of {$450.00} and the second one and third one was used on the XX/XX/2022 in the amount of {$1200.00} and {$1300.00} and all resulting in {$3000.00}. I then contacted Crypto.com letting them know that this transaction wasnt me and I did not authorized that. They told me to wait for them to look at my case and this morning Which is XX/XX/2022 I got an email from them saying their APP payment can not refund me my money because their investigation shows that the transaction happened in my account. My problem is that where does fraud happens? Isnt it peoples account. Beginning of XXXX my other phone got lost when I was at a holiday in XXXX and I couldnt find it and that phone had all my informations. I was able to change most of my information on my other apps but I guess I forgot to change most of them including Crypto.com. I want yall to know that this transaction wasnt made by me and if it was why will I buy this lot of bitcoin and then transfer it to another link wallet?? I mean for what? Why wont I keep it in my wallet?? Please help me get my money because I have been scammed or fraud. Thank you