davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CO)

On XX/XX/22 It was brought to my attention a withdrawal of {$3000.00} occurred on XX/XX/22 at a local Chase bank ( located at XXXX XXXX XXXX XXXX XXXX XXXX, CO at XXXX XXXX  MST  ). I am a recent victim of identity theft and an individual with my CO DL went into this branch*, physically walked to a teller counter, and withdrew money from my account. ( This individual has done the same at other branches/ banks that I am member, and I have them on camera ). They do not look like me, in fact, they are even a different ethnicity than I. Chase allowed this individual to withdraw funds fraudulently. I made a claim with Chase 's Fraud Department on XX/XX/22 ( also closing out this account day of ) and again on XX/XX/22 calling their fraud dept. ( sending them a police report, per their request ). When I called back to check the status of this claim they said the claim had been closed and that the signatures matched for the withdrawal to occur. ( Please recall, the signature is on my stolen DL card - and the criminal likely tried to copy it ). I have requested that Chase bank reopen the claim and they have refused, indicating their fraud team has assessed my materials and have not found this to be a fraudulent occurrence. I asked to see footage of the individual in the bank when this event occurred and the bank said they could not share that information with me. I KNOW if they check the cameras that it will prove this individual is not me. I have multiple police reports to share if need be.
Consumer complaint received 2022-03-11
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (NY)

This is the letter I sent to Paypal buyer credit including pictures of the discrepancies they did not even review my evidence before they looked at the sellers and ruled in her favor. A supervisor stated that they have a automation system that determines how it it ruled. The wig is not as I order nor des it do what it promises on the website.

Dear PayPal Buyer Credit, First, I ordered a custom silicone wig from XXXX. The promise was that this wig will create a suction on the head of bald individuals and essentially become a second skin. In other words, the wig would suction to the head without the need of adhesives. A major defect I noticed immediately was when I attempted to install the wig on my head the sides of the wigs kept lifting up from my scalp. ( Please see that I complained about this multiple time to XXXX ). When I initially addressed this issue with XXXX in a phone conversation she stated, yes this is a flaw with this type of wig. XXXX never informed me of this flaw and the wig not only doesnt stay down on the sides after attempting to install it multiple times the silicon only sticks to certain parts of my scalp. ( Please see what her company promises on her website ) And it says nothing addressing what she stated in her first phone conversation nor her second response in writing. 
Again, in XXXX second response in writing, she began making accusations that I did not measure correctly. Therefore, by this time I found it wise to get all correspondence with her in writing. And this accusation is not true I have XXXX XXXX and I have been wearing custom wigs for over 10 years now and I order at minimum three per year and I am skilled at taking my measurements, which has rarely changed over the years. ( Please see correspondence ). Please see website and cap that I picked. https : XXXX XXXX, I also sent a picture of the hair texture I wanted mimicked, and this was not correct also. The hair texture that I received is very kinky and nappy. I requested a hair texture that was similar to a XXXX womens hair after having a perm for a month or so. It is slightly course with a wavy textured look to it ( Please see sample pictures in comparison to what I actually received ). 
Lastly, the final invoice I received reflects that I requested baby hair around the perimeter and the wig does not have any baby hairs. 
In closing, I made several attempts to have these defects of the wig corrected and it obviously was not honored. As a matter a fact she began accusing me of not measuring correctly. Leaving me with no choice but to dispute this half of the charges from her.
Consumer complaint received 2022-07-10
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

MY NAME IS XXXX XXXX THE HEIR TO MY DECEASED MOTHERS PROPERTY AT XXXX XXXX XXXX XXXX CALIFORNIA XXXX. 

PHH CURRENTLY HOLDS THE MORTGAGE BUT I HAVE A LOAN THATS BEEN CLOSED FIRST PAYMENT IS IN XXXX. THEY SENT THE PAYOFF TO THE OMPANY THAT I HAVE A LOAN WITH. THE COMPANY HAS PAID THEM THE MONEY AND EXTRA..THEY HAVE THERE ACCOUNT NUMBER WHERE THE FUNDS WENT TOTHEY ARE HOLD ON TO THIS CHECK BECAUSE THEY SENT THE WRONG PAYOFF..XXXX  XXXX XXXX XXXXXXXX ( TITLE COMPANY ) TRIED TO FIND OUT WHAT THE AMOUNT WAS OWED NEVER REALLY GOT IT CLEAR BUT BETWEEN $ XXXX THEY HUNG UP ON US VERY NASTY I XXXX XXXXXXXX XXXX HAVE A XXXX NEXT MONTH WITH XXXX XXXX AND PHH IS HOLDING THE FUNDS. AND HAVE THIS HOUSE STLL IN XXXX.. 
AUCTION DATE IS XX/XX/22 THIS IS RIDICULOUSTHERE IS ALOT MORE THATS GOING ON.THERE HOLDING THE CHECK I HAVE REALTOR., LENDER AND TITLE COMPANY, ALONG WITH THE LIES AND DOCUMENTS WE ALL HAVE! I NEED HELP HELP HELP PLEASE HELP ME PLEASE!
Consumer complaint received 2022-07-10
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX  and XXXX XXXX consumer center you state that you do not report to anyone but you also state that Transunion gets information from you I understand Transunion owns you but but Transunion is using your information you get from where ever that makes you a consumer credit reporting company { right } enclosed are documents that you provided to Transunion that you state you dont keep .I request that all information on myself be frozen at one, you state it can not be frozen we have a { right to privacy law } that was enacted this year FREEZE any information about me at once use the FCRA to contact me about this
Consumer complaint received 2022-03-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

In XXXX Capital One charged off a credit card that I had with them. They have continued to report it as a charge off even though it was possibly sent to a third party. In XXXX of XXXX I called Capital One to get information on this charge off that they had. I spend about 45 minutes on the phone with the representative trying to get my information. The representative said that she couldn't find my charge off information at all in her system. So I started a dispute with the credit bureau. As of today XXXX XXXX I called Capital One back because I'm trying to get a mortgage and spend an hour and a half on the phone with them and my mortgage lending trying to get something showing my charge off account with them so I could get on a payment plan and yet again they were unable to find anything on my charge off account.
Consumer complaint received 2023-02-21
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)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 2022-07-10
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. (NY)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX dealer services, 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
Consumer complaint received 2023-02-01
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: Mercedes Benz Financial Services (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX2017 Balance : {$XXXX}, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX2020 Balance : {$XXXX}.
Consumer complaint received 2023-03-17
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. (KY)

XXXX paid in full but currently reporting to all three bureaus as written off charged as bed debt which is deformation to character and livelihood when trying to apply for a mortgage. Also reporting inaccurate under FCRA 611 ( 5 ) A & 15 USC 1681 also involved in a lawsuit in violation of USCC CODE
Consumer complaint received 2019-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I was pinned with several late payments up to 90days ... Capital One Never Sent my Billing Statements To The Correct Address. Ive tried to dispute this with them several times and they refused to do anything about it. If anyone take a close and careful look at my payment history with this company or any other company on my credit profile Ive never been late or missed a payment. The statements was being sent to an address I had no association with. They have me paying on time with XXXX in the month of XX/XX/XXXX but 30 days with the XXXX and XXXX. Then 30 days late with XXXX in the month of XX/XX/XXXX but in the same month 60days late with the XXXX and XXXX. 60 days late with XXXX in the month XX/XX/XXXX but 90 days late with with the XXXX   and XXXX. In the month XX/XX/XXXX XXXX 90days late but now we have on time payments with the XXXX and XXXX. So as you can see the information have been reported incorrectly the entire time they was sending the billing statements to wrong address. Now they want me to pay the price for they mistakes ... All I want is for the all the late payments to be removed. For a loyal customer since XX/XX/XXXX with no late payments ever. I feel that them making a an adjustment to correct the late payment will be very satisfying to a loyal customer. All late payments should be removed immediately. Reporting inaccurate information is terms for deletion according to FCRA.
Consumer complaint received 2019-05-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NC)

When the mortgage NOTE was transferred to SLS  from XXXX XXXX XXXX was it a electronic NOTE? 

Information shows that the NOTE was securitized in 2006 ( see attachment, Line 6. XXXX  XXXX )
Consumer complaint received 2019-01-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NEW CITY FUNDING CORP. (FL)

I have been having some problems with payment issues with the company. I requested a ledger a week ago to verify where the payments have been going. I did not receive one. After a week I called back to ask where the ledger was. I was then able to get one emailed to me finally. Without giving me time to properly go through my finances for the previous year and getting back to them, they decided to threaten me to get the info I needed by XXXX tonight even though I told them that my Fiance does not get home until after XXXX and we still need to go through the information.
Consumer complaint received 2018-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO Bank, N.A. (MO)

I opened a checking account with BMO Harris Bank and opted in to " overdraft protection '' however after several attempts and even causing me to be stranded they will NOT allow me to overdraft account for purchases or via atm such as other banks do up to a certain amount with fees for the overdraft BMO Harris refuses to allow my account to overdraft and I was stranded one time also BMO Harris bank promised to provide a {$200.00} just for opening an account in 90 days however did not do so and even promised {$50.00} for enrollment into paperless statements and refuse to do so they need investigated for false advertisement I was never told by Branch Manager in XXXX Ks for the {$200.00} u must have {$600.00} in deposits each month for the {$200.00} reward bonus until I called BmO bank customer service and learned that they are a XXXX bank I encourage anyone reading this to utilize another bank!!! Shame on BmO Harris Bank
Consumer complaint received 2022-03-11
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: MOHELA (TX)

In accordance with the Fair Credit Reporting act XXXX Account XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A. 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1666B : A creditor may not treat a payment on a loan account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-03-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (CA)

On XX/XX/2021 I switched my family plan with 4 lines ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX ) to XXXX and informed XXXX as thus I also paid XXXX XXXX bill to cover till XX/XX/2021 and yet I received XXXX request to for me to pay {$460.00}. 
I went to the local XXXX XXXX stores since I have no longer have the SIM card after the phone service switch. I went to the stores three times to seek help. Since my credit card got charged with the amount, the XXXX XXXX store representative advised me simply dispute the charge with the credit card company, which I did. 
I was surprised to have received a collection letter by a collection company XXXX claiming I owe TXXXX  for the period till XX/XX/2021. 
I wrote letters to XXXX XXXX customer care and Executive Vice President and Chief Customer Experience Officer XXXX XXXX. Again no response from them. XXXX XXXX  simply engaged another collection company AmSher Collections Services Inc with intention to destroy my credit.
Consumer complaint received 2017-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I contacted Experian  XXXX   XXXX ,  2017 by online for  inquiry removal where in which I have no contract with these entities listed on my report :   XXXX   XXXX    XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX    XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XX/XX/XXXX   XXXX    XXXX    XX/XX/XXXX    XXXX   XXXX   XXXX    XX/XX/XXXX  EACH COMPANY STATES THE WILL NOT REMOVE INQUIRY BASED ON POSTING IN REPORTS AND SINCE NO AGREEMENT POSTS OR IDENTIFY AS ACTUAL ACCOUNTS ON REPORTS IT IS NOT THEIR FAULT. I REQUESTED TO ALL REMOVED ON THE FACT THEIR ARE NO AGREEMENTS MADE TO POST AND TO PULL MY CREDIT WITHOUT CONSENT.
Consumer complaint received 2019-05-07
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Army and Air Force Exchange Service (OH)

AAFES Army Air Force exchange had credit with them they took full federal tax return and never returned the difference. They took it from my husbands return and this card was in my name. They never adjusted the account for the service members civil relief act.
Consumer complaint received 2019-03-27
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)

Regarding CFPB dispute : XXXX TransUnion closed my dispute because " our records show there are currently no delinquent accounts being reported on your TransUnion credit report '' HOWEVER, I included an attached letter stating that I got denied credit due to a serious delinquency on my report.

They obviously did not read the letter I attached and I'd like to re-open the complaint.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Going over my monthly consumer report I've noticed that Equifax is reporting multiple accounts that's inaccurate and reporting unlawfully. They are reporting accounts that are not verified nor have my consent to report. I have a right to privacy in which this account never had permission form me which violates that right. I ask that Equifax thoroughly investigate these account to ensure all accuracy. There are no agreement between me and any of the companies reporting so how can there be a debt if there was never a balance agreed to be paid? where's the authorized signature from me? If Equifax continues to report these accounts knowing they're not verifiable then that's another violation against my rights on their end. Pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy, I demand that these accounts be removed if you can not provide to me any signed agreements between me and the creditor reporting these accounts with my permission to report these accounts.

Violations committed by Equifax and the creditors : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX, Experian, XXXX and XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Experian, XXXX, and XXXX are reporting personal information on my correct report. 
Here is a list of the incorrect addresses, please remove them : 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 Names : XXXX XXXX The only address that should be listed is shown on this complaint. I also would like for you to correct the spelling of my name. There should not be any variations of my name because it is spelled one way. I have enclosed my ID as proof of the correct spelling. Again, here is a list of the incorrect name spellings : [ XXXX XXXX ] Please send me an updated credit report as soon as you have deleted the inaccuracies listed above. Thank you!
Consumer complaint received 2019-05-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO. (CA)

In XX/XX/2019, several transactions on my Chase checking account was fraudulent so I filed a report with Chase. Instead of helping me, Chase closed all my accounts and refused to have a banking relationship with me from then on. Then Chase froze all my money for a month and eventually sent me a balance after I had filed a complaint with CFPB. Now a month later, Chase tries to collect {$190.00} in debt that I have no idea where it came from. Chase said the balance was a result of a fraudulent transaction that Chase decided that I was responsible for.