davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/XXXX, a Chase Amazon Visa was fraudulently opened in my name and a charge posted on XX/XX/XXXX in the amount of {$220.00}. i visited the Chase branch shortly thereafter and disputed the fraudulent charge and requested a refund to my bank account that was impacted.

I later received a letter from Chase bank that {$190.00} would be refunded to my checking account. The letter stated a minimum payment of {$35.00} would still be due on the credit card and {$35.00} was added to the account balance and due. 

I was confused and visited the Chase branch once again on XX/XX/XXXX advising that the card should have been closed per the banker on the first XXXXhase visit, as it was fraud, but the account was still open. The banker called the credit card fraud department representative who confirmed {$190.00} that was charged by the bank will be credited and closed. 

However, I advised the representstive that I was still awaiting {$35.00} refund that has not been given. 

I am still awaiting this {$35.00} refund to date. I called the Chase customer service number on the bank of my credit card and confirmed this credit card is closed even though I couldnt verify the credit to offset the charged amount of {$190.00}.
Consumer complaint received 2022-01-26
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: CREDIT ACCEPTANCE CORPORATION (PA)

On XX/XX/XXXX I was influenced into finance two vehicles from a dealership, after contract was made, weeks later they asked for more money down to release my licenses plates and registration, had to called the police to force dealership to give them to me. Following month XX/XX/XXXX the state started mailing about taxes due and registration fees which were over {$2000.00} per vehicles. Went on back and forth trying to keep up with all of the ridiculous payments, Ive been so stressed, overwhelmed, XXXX  and even XXXX because everything Ive been working on financially has quickly destroy. Continue to get mails from the state about suspending my license, my credit drop drastically. Is now XX/XX/XXXX and the bank has informed that the dealership is no longer in business. They have been prolonging a settlement with me.
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

XXXX XXXXXXXX XXXX  Account Number XXXX Balance : {$12000.00} Date XXXX This account was fraudulently opened in my name. I am a victim of identity theft I have already provided my police report and ftc complaint. 

XXXXXXXX XXXX XXXXXXXX Account Number XXXX. 
BAlance {$4300.00} DAte XXXX This account was fraudulently opened in my name. I am a victim of identity theft I have already provided my police report and ftc complaint. 

XXXX XXXX XXXX XXXX XXXX Number XXXX Date XXXX This account was fraudulently opened in my name. I am a victim of identity theft I have already provided my police report and ftc complaint. 

XXXX XXXX XXXXXXXX Account Number XXXX Date XXXX Balance {$7500.00} This account was fraudulently opened in my name. I am a victim of identity theft I have already provided my police report and ftc complaint. 

XXXX XXXX XXXX  Account XXXX Balance {$2200.00} Date XXXX This account was fraudulently opened in my name. I am a victim of identity theft I have already provided my police report and ftc complaint. 

XXXX XXXX XXXX Account XXXX Balance {$2000.00} Date XXXXXXXX XXXX XXXX XXXX  Account XXXX Balance {$1700.00} Date XXXXXXXX XXXX Account Number XXXX Balance {$3500.00} DAte XXXX
Consumer complaint received 2019-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was a victim of fraud and I informed my credit card company of the fraudulent charge made on my account 3 months ago. I then petitioned them for a full refund after said investigation providing them a copy of the police report in which the whole case is laid out. After providing them with everything they requested they refused to investigate and remove the fraudulent charges from my account. This has impacted my credit score greatly and my ability to pay my bills.
Consumer complaint received 2022-01-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (AZ)

I am reaching out to you out of pure frustration. 

About a month ago, I received what I thought was a text from my bank Chase regarding fraudulent charges on my account. I received a call from what I thought was Chase, XXXX was his name This man provided account information to make his story believable. I have no idea where he obtained all of these details!! He asked to verify if this was my home address and read me my address and if these were the last 4 of my social security number and read me those numbers. 

XXXX XXXX now I know he is a scam artist! Suggested the bank could reverse the fraudulent charges using my mobile banking app through Chase called XXXX. 

This app I have found out through my research is owned by several banks, including Chase!! 

XXXX helped me set up so I could transfer the money back to myself, thinking it was a refund. Instead the scammer diverted the funds elsewhere. 

The amount is {$2000.00}. It may seem like a small amount to others but to me it is not. I am a mother of XXXX while taking care of my XXXX nieces/nephews as their sole guardian. 

Chase is telling me this is my fault??!! I am just in disbelief. This is a scam and Chase bank will not help me! 

I have been researching that this has happened to so many Chase customers. Theres no warning in your mobile banking app, no messages of this scam. Where is my protection??
Consumer complaint received 2018-04-26
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. (MI)

The XXXX XXXX  XXXX loan with XXXX is improperly stating that I was late 119 days. I produced a letter showing the payment deferment status. The credit bureaus continue to improperly report which caused a 68 point drop in XXXX. I am seeking to apply for a new car loan and with the current status I am unable to get approved due to the 68 point drop. I emailed and faxed the letter showing payment status for the time frame that the XXXX XXXX, Equifax, and XXXX  show as being late 119 days. Please help!!!!
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX SS XXXX XXXX XXXX I am not an attorney nor am I a third party, I am filing this complaint on behalf of myself as it is my legal right to do so. I have some fraudulent addresses on my credit report along with some unrecognized collections from companies I have never done any type of business with. I have moved from XXXX OHIO years ago. 

MY ADDRESS IS : XXXX XXXX XXXX XXXX OH, XXXX Please Delete the following Addresses that do not belong to me : 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 CT XXXX, XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. 
These are the account that I have no records of ever doing any business with these following companies : XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I have file a Police Report as well with the XXXX Police XXXX.
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Despite the multiple previous written requests, the unverified item ( XXXX ) listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with remedy which Im about to seek. You are willful noncomplying with the FCRA.

Since you claim youve verified the account ( s ) listed below I wanted to confirm my thoughts and contacted the companies directly. Not one of them provided me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$24.00}, XXXX  XXXX Date Opened XXXX XX/XX/XXXX Balance : {$360.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$890.00}.
Consumer complaint received 2023-07-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (GA)

I was going to work in the middle of the street, and some boys approached my car selling a T-shirt. I put in the amount but could not see the company 's exact name. A kid grabbed my phone, put in {$180.00} over and gave my phone back, and ran. I could not run after him. I was in the middle of the street, so I pulled over. There was a police officer there who told me to report it to the police.
Consumer complaint received 2023-07-20
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: Block, Inc. (TX)

I went into a store to purchase a money order with my cash app card. The card declined on the store side but cash took the XXXX off my card and refused to give my back. I filed a dispute sending proof from the store corporate office of the declined transactions. They still refused to help refund my money. They showed no sympathy of help. This was my rent money and for my business and im about to lose it
Consumer complaint received 2022-01-26
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. (CO)

I have submitted numerous dispute letters and called to remove/delete medical accounts that are listed multiple times & that do not belong to me. They are reporting incorrect information they have not provided me with any evidence that the accounts belong to me. 

Original Creditor Amount : {$330.00} ( Listed 3 times ) Original Creditor Amount : {$530.00} Original Creditor Amount : {$63.00} XXXX XXXX : {$460.00} XXXX : {$300.00}
Consumer complaint received 2021-03-09
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP (CA)

I am a victim of identity theft, I am writing to dispute [ a ] fraudulent charge ( s ) on my account on Us Bank, XXXX XXXX XXXX XXXX and XXXX XXXX .I am a victim of identity theft, and I did not make charge ( s ). I request that you remove the fraudulent charge ( s ) and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account ( if applicable ). I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it.
Consumer complaint received 2018-06-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc. (FL)

Ive explained that I have been out of the country for 10 years to Santander consumer USA and that the account they have is fraudulent. With proof. They have refused to take this debt off of my credit report and will not remedy this situation. This is affecting my livelihood and preventing me from creating a better life for my family as a man. My name is damaged. My credit is destroyed because of this and their tactics. If I owned this debt I would pay it. I have integrity but this is not my debt and is fraudulent.
Consumer complaint received 2018-06-28
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: Bread Financial Holdings, Inc. (MS)

XXXX XXXX has made a bogus charge on my closed credit card, as it has been closed since XX/XX/2018. In making this fraudulent charge of {$120.00}, XXXX XXXX has been insinuating in written responses that I have been using its " provisional credit. " but has not outright claimed it was this product. Originally, XXXX XXXX has been trying to steal my refund of {$110.00} where upon it did send. I only see this amount, {$110.00}, as hidden this in charge of {$120.00}. The bank is trying to change form of original charge of {$120.00} to look like similar refund part of {$120.00}. The bank has also deliberately reported wrong {$8.00} as myself having them this amount when, in fact, the bank itself paid me this amount and the bank went on to report it to the credit bureaus, even though I did provide XXXX XXXX photocopies of refund on both sides. This original billing error of {$110.00} is only the same as the increased {$120.00}, so this prompted filing another billing error notice to XXXX XXXX on XX/XX/2018.
Consumer complaint received 2016-12-22
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: STONEGATE MORTGAGE CORPORATION (FL)

I am in the process of closing on a FHA mortgage and I am financing the MIP. So instead of my loan amount being {$200000.00} it is now {$200000.00} including the XXXX % MIP charge. But I received my Closing Disclosure ( XXXX XXXX and although I am financing the XXXX % MIP, They are still asking me to bring that amount of money to the closing table. Can you please advise before I sign the closing disclosure and close on this loan. Thank you very much.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I've disputed these accounts as inaccurate. They stated they reviewed the information and it was " Verified '' if it was verified how are there inconsistencies with the accounts? 

XXXX ACC # XXXX Inaccurate date opened and last reported XXXX /ACC # XXXX date of last payment inaccurate also last reported XXXX XXXX /ACC # XXXX inaccurate date of last payment inaccurate high credit limit XXXX XXXX/ ACC # / XXXX Date of last payment inaccurate high credit inaccurate XXXX XXXX / ACC # / XXXX inaccurate date of last payment. 
XXXX XXXX /ACC # / XXXX Inaccurate date last active also inaccurate date of last payment. 

Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. 

how can it be verified as accurate if they information is wrong?
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

The following ( XXXX, Experian, XXXX ) credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting these violations. The first being with the FDICs XXXX XXXX XXXX XXXX XXXX and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The CRA has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw these accounts from my personal file. ( AES/PNC XXXX XXXX opened XX/XX/2005 XXXX {$0.00} )
Consumer complaint received 2019-05-24
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. (NV)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

This particular account is undoubtedly placed as a charged-off account, make sure you tell me the reason why there is a {$19000.00} balance indicated on the statement if its a charge-off? The balance is truly incorrect. You have to withdraw this from my personal file. ( XXXXXXXX XXXX XXXX XXXXXXXX Date opened XX/XX/2016 Balance {$19000.00} )
Consumer complaint received 2019-10-03
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. (VA)

On or about XX/XX/2019. I submitted notification to all 3 credit reporting agencies that there was errors filed in my bankruptcy report. I did not receive a reponse back from neither of the agencies without investigation and they said that they will no longer reinvestigate the matter unless i had more documentation which im also providing to you, the check marks beside the accounts are accounts that were included in my bankruptcy that are not mine. Ive also asked from the agencies to provide me the methods that they used to validate these and to no avail i have received nothing.
Consumer complaint received 2022-01-14
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. (VA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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. 
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXXXXXX XXXX Account name : XXXX XXXX XXXX XXXX  XXXX Account name : XXXX XXXXXXXX Account name : XXXX XXXX  XXXX However, they stated everything was complete and accurate. But how is that possible if they are still on my report, the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting.
Consumer complaint received 2017-08-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION (MI)

I have been working with Sallie Mae on my current student loans and from XXXX of 2017 to current. They have received information from public records and have been harassing my ex-family members. They have not been authorized to use this information and it was not given to them by me or the co-signers on my loan. I believe they are taking private information of people I may know and using it without their knowledge. Sallie Mae is already under a class action lawsuit.