davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-22
Product: Credit card or prepaid 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. (TX)

My credit card number was stolen, and there was a charge for XXXX put on my card. I immediately noticed it and called my credit card company to cancel the charge - the same day - and put a stop on my credit card so no other purchases could be made. It was stopped and I was immediately reimbursed - however, a shipment of clothes was delivered to my house. They arrived a week later - none of the clothes were obviously in my size because I did not order the clothes. My only guess is that the person who ordered the clothes wanted to steal them off of my porch or I read about some scam where people send them to an address and then have fed ex pick up the package and send it to their house. 
But because they were sent to my house the credit card company and XXXX won't refund me. I showed them that on the billing sheet there was an email address that was not my own and a phone number that was not my own. I have never worn the items, they are untouched with tags still on. I know have XXXX worth of XXXX clothes that I cant even fit into or wear that I never purchased! I took all the right actions, and contacted my credit card immediately but am still being charged.
Consumer complaint received 2024-03-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

So I called chase after receiving today an email that my checking accounts were both restricted and they provide a number to call to see why they were restricted and provide information of myself so they can be unrestricted. Upon calling I go through the automated process and eventually get a hold of the representative and once I tell them all my banking info they tell me that chase already decided to close my account and its irreversible and theres nothing I can do about it. Keep in mind that I have been a chase customer for over 6 years now and they didnt provide me with a warning let alone a reason as to why this happened. I have bills to pay and all my money is currently sitting in those locked chase accounts that are soon to close. I have to wait for evaluation and then for them to mail a check which they already confirm it takes them 10 business days to do so and another 10 business days to mail the check. The representative on the phone said I can expect it before XX/XX/XXXX which is literally a whole month from now. This isnt right. The first checking account has a balance of {$1100.00} and the second one has a balance of {$2500.00}. All my money is in these accounts and rent is due at the end of the month and bills and credit card payments.
Consumer complaint received 2022-07-23
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

In XX/XX/XXXX my car was totaled in an accident. Upon my insurance paying XXXX  ( the loan originator ) their portion of payment it left a balance owed. When I lost my job due to Covid, I renegotiated my auto contract to lower my monthly payments to {$99.00} beginning XXXX, XXXX. They gave me up to and including XX/XX/XXXX to make my final balloon payment. To agree I had to make all payments ACH debit payments automatically from my bank which I did. I have made payments from that XX/XX/XXXX through XX/XX/XXXX of {$99.00} direct from my bank without issue. In XXXX  I receive an email stating to contact XXXX XXXX XXXX, the company who took over XXXX. They said I was behind on my payments to the 3 credit bureaus over 30 days. I sent a dispute to all 3 credit reporting companies along with bank copy of my payment they state is behind and a copy of my contract. XXXX  Is suddenly changing my terms without notice and with only 2 payments remaining stating I only had until XXXX. They have charged me two late fees on my remaining balance. I contacted them via email and attached copies of my contract showing where I was agreeing to pay through XXXX  of this year. I stated that I would not pay late fees as I made my usual payments that cleared my bank in XXXX  and XXXX  and I would make my two remaining payments XX/XX/XXXX & XX/XX/XXXX as my contract agreed to. I have divided my balance less the late fees into two payments of {$150.00} each and will be closing this loan. They have posted that I have a late payment on all 3 credit reports ruining my credit dropping it 43 points due to their reporting information. I want it removed off my credit reports, as it is not true and I have made pmts as agreed each and every month and I want to pay it off as agreed in my contract by XX/XX/XXXX and be done with this terrible nightmare. Disputes on Experience and XXXX lead to no change. Whatever XXXX is reporting is not true. They are stating my deferment ended on XX/XX/XXXX and my loan matured XX/XX/XXXX which is not according to the loan contract I signed attached to this complaint. Ive made all my contracted payments on the XXXX  and they have not reported a problem with any of them until now demanding my loan paid in full and reporting XXXX  and XXXX  as late payments. I am attaching proof I paid as agreed from my bank.
Consumer complaint received 2022-03-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (MD)

Despite the multiple previous written requests, the unverified account listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2022-07-22
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. (NJ)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-22
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. (GA)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2020-06-04
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. (OH)

****Hello, My name is *XXXX XXXX* . I have been trying to complaint about incorrect problems exist in my credit report over past year but it has no success. According to my recent credit report request from XXXX, there are several inaccurate name, addresses on my report that might cause really bad effect to my credit profile. I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report. Here are the name and addresses that need to be removed urgently off my credit report : ************************************************ *NAMES REPORTED : XXXX  XXXX XXXX ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^ **ADDRESSES REPORTED XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ************************************* & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & Please investigate all of the negative collections : XXXX XXXX XXXX Reported : XX/XX/XXXX ** XXXX XXXX XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX , Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX , Reported : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX, Reported : XX/XX/XXXX **XXXX XXXX XXXX, Reported : XX/XX/XXXX and all of the hard inquiries : XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing  Contact the inquirer : MAIL ONLY _XXXX XXXX  XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg.
Consumer complaint received 2021-05-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (CA)

I used to have an account with XXXX XXXX XXXX and my account was closed in XX/XX/2020 and the amount was XXXX. 

They sell my debit to q company called midland and this company its playing with my credit after I filled a disputed in XXXX and XXXX XXXX After any disputed they include a extra dollar in my debts they are trying charge my XXXX $ and they put my closed account was XX/XX/2020! 

I ask than to put the right information but they laughed!
Consumer complaint received 2022-11-04
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. (NV)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the followingXXXX 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 2021-10-22
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)

Hi, The dispute I have with Experian is pertaining to unfair credit reporting and credit scoring. I been going back and forth with Experian for over 3 months for the following : 1. Not removing Inquiries from my credit on the date of removal stated on my credit report.

2. I paid off all of my credit cards and a vehicle. Experian took 60-90 days to update my report. Before Experian updated my report. I verified with all of my creditors that a XXXX balances was reported to Experian and the other credit reporting agencies. Once Experian updated my credit report my score only moved by 2 points. I called Experian and spoke with a representative about the situation. The Rep from Experian told me that my score only moved up by 2 points because I paid off my debt.

According to Experians website they calculate score based on the following criteria : 1. Payment History - I paid all of my bills on time before paying them off.

2. Length of credit history - All of my accounts are over 2 years old. 

XXXX. Amount Owed - Once my debts were paid off my credit utilization percentage dropped ... Meaning, according to Experian my score should have improved. This is where I believe their is a double standard ... According to Experian a negative Payment history and high utilization percentage lowers a credit score. The Experian rep told me that my score didn't improve because I paid my debts off. By paying my debts off that lowered my utilization percentage which was suppose to improve my credit score according to Experian. In addition, I paid off a vehicle and I have a very good credit history of paying my debts on time. According to Experian, the three above categories ( Amount owed, Length of credit history, and Payment history ) makes up of 80 % of their credit scoring calculation. I performed very well in all three areas and Experian in now saying that hurt my credit more than helping my credit. Their behavior is a clear case of misrepresenting the facts which is a violation of the Fair Credit Reporting Act FCRA. I need your assistance with getting this matter resolved. If you have any questions please contact me at the information below. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA. XXXX XXXX
Consumer complaint received 2020-02-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I HAD A STUDENT LOAN THAT WAS CLOSED AND TRANSFER BUT THE MAIN ISSUE I AM HAVING IS I AM MISSING MY PAYMENT HISTORY ON THIS ACCOUNT. FOR THE MONTH THAT I HAVE MADE PAYMENT. WHAT THE REPORTING AGENCY ARE REPORTING IS NOT ACCURATE. I CALLED IN AND I EVEN TRIED TO REACH OUT TO XXXX XXXX WITH NO LUCK. THE LOAN TRADE LINE XXXX MY PAYMENT HISTORY ON THIS ACCOUNT BEGINS XX/XX/XXXX XXXXAND IT GOES TO XX/XX/2012 I SHOULD HAVE 24 MONTH OF GOOD PAYMENT HISTORY ON THIS ACCOUNT BUT WHAT ITS SHOWINGON MY XXXX  AND MY TRANS UNION   CREDIT REPORT A VERY IN COMPLETE MISSING ALOT ON TRAN SUNION IT ONLY SHOWS 7 MONTHS OF HISTORY ON XXXX  IT SHOWS 9 MONTHS ONLY. ON BOTH IT NEEDS TO BE UPDATE TO SHOW THE COMPLETE.
Consumer complaint received 2020-02-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I am currently in dispute with Portfolio Recovery Associates, LLC, whom since XX/XX/XXXX, have failed to validate a debt they claim I owe to them. Instead of following the cease and desist while the debt was being disputed, they proceeded to report this collection to the three credit bureaus. In addition, on XX/XX/XXXX, they sent me a threatening letter claiming that " my dispute alleges no new facts and includes no new information in which to form the basis of a new investigation, we will not be conducting another investigation of the dispute '' They proceeded to state " If we continue to receive subsequent correspondence from you regarding a dispute that has already been resolved, we will consider your inquiry answered. No further replies will be forthcoming unless you provide the information we need to assist you. Our office considers this matter closed. '' When I sent the first letter to Portfolio Recovery, they did not verify the debt. The second letter I sent requesting debt validation ( XX/XX/XXXX ), they responded back with a debt settlement letter. Soon after they sent the threatening letter ( dated XX/XX/XXXX ) refusing to investigate my dispute. I responded with a follow-up letter dated XX/XX/XXXX requesting validation, in which they failed to still verify. Instead they sent a letter dated XX/XX/XXXX with two statements. I have yet to receive the original signed contract with my signature stating I owe them this debt, and they continue to report invalidated and incorrect information to the credit bureaus claiming this debt is resolved, which is completely false and they added this false comment to my credit reports. As a consumer I have a right to dispute a debt and according to their letter dated XX/XX/XXXX they have taken away my rights by refusing to properly investigate this debt and taking away my rights to investigate this debt. They refuse to properly investigate this debt and as a result I am dealing with negative consequences based on their threatening and illegal practices!
Consumer complaint received 2020-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (GA)

On XX/XX/XXXX, my husband and I purchased a vehicle at XXXX XXXX XXXX. We owned the vehicle less than 24 hours. The vehicle was returned for service issues on XX/XX/XXXX and I was given a loaner vehicle. On Friday, XX/XX/XXXX the loaner vehicle was returned to XXXX XXXX XXXX and I went home with my original XXXX due to negligence on the dealer 's part. I did not take home the XXXX XXXX - however, I received a statement dated XX/XX/XXXX about the XXXX. I contacted XXXX fiancing to see why this account was still open. I am reporting this account as fraudulent as I do not own this vehicle. It was returned XX/XX/XXXX.
Consumer complaint received 2020-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MA)

On XXXX XX/XX/XXXX I placed a credit freeze with Equifax in response to the XXXX Data Breach. Since that time I have been able to successfully lift the freeze temporarily in the periods of XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX and XX/XX/XXXX - XX/XX/XXXX. All of these were managed through the Equifax website without need for registering for an account or providing any additional personal information. 

On XX/XX/XXXX I applied for a savings account and was which was denied because my identity could not be verified due to the credit freeze on file. Today, XX/XX/XXXX, I attempted to lift the freeze temporarily and found that I was unable to do so without creating an account online. Given that Equifax has a history of not protecting sensitive data I declined to open an account and instead called the customer support number ( XXXX ). A series of automated prompts indicated that I must provide a mobile phone number before proceeding with unfreezing my account. I declined to do so and was ultimately connected to a customer service representative who was unable to access my credit file. 

How do I unfreeze my account without giving additional sensitive information ( my phone number, e-mail address, etc. ) to a company that can not be trusted to keep this information secure? It is very disturbing that I'm effectively removed from the credit and banking system until the freeze is lifted and there doesn't seem to be away to do that without giving up more personal information.
Consumer complaint received 2020-02-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

As I reported earlier this evening, Chase bank reversed a {$5500.00} electronic payment that I made to Chase card services on XX/XX/XXXX. However they have not put {$5500.00} back into any account of mine nor contacted me regarding this {$5500.00}. I am highly concerned about this as it appears its just been stolen from me. Its almost XXXX XXXX I havent gotten any sleep, Im XXXX. I hate Chase Bank and the agony they have caused me since XX/XX/XXXX!!! Please help me find some resolve with this XXXX bank!!! Thank you.
Consumer complaint received 2020-02-02
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. (PA)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :
Consumer complaint received 2020-02-02
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. (CA)

XXXX XXXX CREDIT CARD has made illegal, invalid, erroneous, and unauthorized hard inquiries on my credit which has damaged my credit score. 

Cease and desist, no authorization This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX CARD Made on : XX/XX/2018 Made with : Experian Made by : JPMCB CARD Made on : XX/XX/2018 Made with : XXXX  I have not signed any documents authorizing your organization to view my credit history, therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

I request that after removing your unauthorized and outdated inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, XXXX XXXX