davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NY)

I was approached by a man acting like a girl on the app XXXX. This poser then proceeded to tell me that they had dirt on me and that they would expose me to all my family and friends unless I gave them {$300.00}. Which I just got to college so I was scared and complied. After doing so I realized I shouldve never had listened and sent the money. I paid {$200.00} of that {$300.00} through zelle and after this I reported the transaction and reported it as a scam. I called and filed their reports numerous times and they told me there was nothing they could do to get my money back which is why im sending a report in now to you.
Consumer complaint received 2019-02-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (MN)

On XX/XX/2019, I received a phone call from what was identified as XXXX XXXX On My Caller ID. I believed that Fraudulent activity had been attempted on my XXXX XXXX XXXX XXXX Which handles my XXXX Benefits. I was told that a {$300.00} charge had been flagged and attempted at a XXXX. I told what I Believed Was XXXX XXXX that the charge was not authorized. I was informed that a XXXX XXXX XXXX Mastercard would be issued in 2 days at no expense. I also informed that another fraudulent charge from a XXXX for {$49.00} had been made in XX/XX/2019. The alleged XXXX XXXX person claimed that {$49.00} charge would be reimbursed to my account. I was satisfied that this had been brought to my attention at the time. Within the hour of receiving this call I went on the XXXX XXXX app to check my balance. I discovered a shocking result. {$800.00} had been withdrawn from a Chase Bank ATM in XXXX, Florida with an XXXX cent ATM Withdraw fee. Then {$180.00} had been withdrawn in addition. {$980.00} had been withdrawn out of my XXXX XXXX Mastercard & Social Security XXXX benefits without my consent or permission from a Chase Bank ATM In XXXX, Florida. I called Chase Bank at XXXX & at XXXX under the address of XXXX XXXX XXXX ; XXXX, Florida XXXX which was listed as the location in which the withdraw took place. I am in XXXX XXXX, Minnesota. I did not authorize nor consent to ANY Chase Bank ATM Withdrawals in XXXX, Florida. I reported this fraudulent claim to Chase Bank hoping Chase Bank Fraud Department would start a claim due to the loss of the {$980.00} I suffered. The Chase Bank Phone agent told me nothing could be done until XXXX XXXX started a claim. XXXX XXXX was unable to accept my claim due their " high volume of calls. '' That is it's own seperate complaint. The complaint I wish to file here today is with Chase Bank XXXX XXXX, Florida. When someone calls Chase Bank & reports suspicious & unusual activity which occurred at a Chase Bank ATM, I hope that the Chase Bank phone agents would take fraudulent complaints where a XXXX Benefits recipient states that {$980.00} was withdrawn from a Chase Bank ATM Without Consent. I truly hope the Chase Bank Fraud Department may cooperate with the XXXX XXXX XXXX XXXX at recovering the lost funds or holding the perpretrators of this fraudulent activity accountable.
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I contacted XXXX XXXX XXXX in XXXX. I paid the settlement deal as agreed upon in XXXX and clearly Equifax is reporting account is still open and delinquent. This is incorrect.
Consumer complaint received 2019-09-18
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a loan with CAPITAL ONE BANK USA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and CAPITAL ONE BANK USA with no successful resolution. XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2019-02-01
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: EQUIFAX, INC. (PA)

I PAID AN ACCOUNT ON XX/XX/2017 IN THE AMOUNT OF {$510.00} WITH XXXX XXXX XXXX THAT WAS LISTED ON MY CREDIT REPORT ALTHOUGH I NEVER HAD AN ACCOUNT WITH XXXX XXXX XXXX XXXX. I NOTICED THAT THE ORIGINAL CREDITOR IS NOT LISTED SO I HAVE BEEN DISPUTING THIS ACCOUNT MONTHLY TO HAVE THE ORIGINAL CREDITOR ADDED SO THAT THE ACCOUNT CAN REPORT CORRECTLY. THE ORIGINAL CREDITOR IS XXXX XXXX XXXX. HOWEVER EQUIFAX ALWAYS REPORT BACK THAT THIS ACCOUNT HAS BEEN VERIFIED WHICH LETS ME KNOW THAT THIS ACCOUNT HAS NOT BEEN VERIFIED BECAUSE IF IT WAS, THE ORIGINAL CREDITOR WOULD BE LISTED. I DO NOT HAVE ANY SIGNED DOCUMENTS WITH XXXX XXXX XXXX AT ALL.
Consumer complaint received 2018-11-26
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. (TN)

This account has been disputed and creditor and credit bureau failed to respond to my compliant. Also they have failed to provide any documentation in regards to this account. This account is problematic and i need it to be removed>>>>
Consumer complaint received 2021-08-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (VA)

I have written this collection company three time about the debt they claim I owe them. I asked them to send me proof of validation that shows that the debt is mine. Instead, they send me paper statements with someone else name on it as proof that the debt belong to me. their company name wasn't even on none of the statement they sent. I have reached out to them three time already to resolve this problem, they have refused to comply to the FCRA rules. before I take this case any further, I decide to summit a complaint firs before I contact them for a forth time. if they still refused to delete this account from my report that leave me no choice but to press charge against their company for the damage they have cause to my credit report.
Consumer complaint received 2021-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc. (TX)

You I have an account with Money Lion bank. I deposit {$1500.00} with them this last Friday XXXX. I withdrew XXXX Dollars of that money shortly after that on the same day. Immediately following My withdrawal they, Money Lion, suspended my account saying this was suspicious activity and suspected it to be fraudulent activity. I can appreciate that, however I was not made aware of this until the following day After I had called a tow truck to pick up my vehicle that had overheated. Imagine my situation when my card wouldnt work and I couldnt pay the tow company! I had to call a friend to bail me out and then I had to leave my vehicle at the impound yard and it is still sitting there. I have this account set up on text messages for all transactions and I was not made aware of anything concerning my account being suspended. Upon checking my emails later I found an email from Money Lion saying the aforementioned. All the email said was that my account it is suspended because of suspected fraudulent activity. It said nothing about sending them documentation. I only found this out until the following morning, Saturday when I was able to contact Customer service at Money Lion to let them know that it was me making the transactions. Every CSR I spoke to you seem to be reading a script over and over they apologized the first two, were of absolutely no help told me where I could email my documents after informing me that I needed to email documents Which consisted of copies of my identity. They confirmed receipt of my email and told me it would be 24-48 hours before my account would be unsuspended. I Explain to them over and over again that I needed them to make an exception could I please speak to a manager or someone I know that they couldve made an exception. I told them I am on a fixed income and that is all the money I had. Could they please expedite this, that my rent is due that my vehicle needed repair that is all the money I had. They said they could not do that. I asked for management and I was disconnected I called two more times with the same response I was hung up on. Finally I called again and was toldBy the CSR That she was not able to get through to any management either that she was very sorry. What is this time I am crying and I am at I am beside myself. I went to their website and pleaded with them through email again and was only met with a canned response that they had received my messages and that now it was going to be within 15 days that my account would be unsuspended. I dont know what Im going to do. Isnt there someway they can be dealt with is this legal? That is all the money I have. That is my money how can they do that. At the very least it is and compassionate and they clearly clearly dont give a hoot about people.
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Marlette Funding, LLC (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : BEST EGG  XXXX Open Date XX/XX/2017 Balance : {$0.00}
Consumer complaint received 2022-08-29
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: EQUIFAX, INC. (AZ)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AmeriCollect (CA)

I do not recognize this account. The information regarding this account fails to report completely. I do not see the monthly payment, terms, credit limit, past due, and date of last payment being reported.
Consumer complaint received 2019-02-01
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Select Management Resources, LLC (MA)

I applied for and received a title loan on XX/XX/XXXX from XXXX in XXXX, NH. I had to give them the title to my XXXX XXXX XXXX in order to receive the loan. I got {$800.00} loan at 200 % interest. We made the following 3 payments, {$280.00} on XX/XX/XXXX, {$260.00} on XX/XX/XXXX, and {$240.00} on XX/XX/XXXX. Unfortunately the transmission on my car died and I can't afford to fix it or buy a new car, which caused me to lose my job. My fiance, who consigned, was hit by a XXXX XXXX yesterday, causing serious injuries that will put him out of work for at least a month. I called XXXX today to explain my situation as well as give them the location of the vehicle so they can repossess it. I spoke to a woman named XXXX who told me they weren't going to pick up the vehicle and that I still needed to resume payments. I told them that due to unforeseen circumstances I'm unable to make the payments, which is why I called them prior to the next payment being due and that's why I'm telling them where to pick up the vehicle. XXXX told me that's " not their problem and the money is still due ''. She then said collection calls to me, my fiance, and our friends that we listed as references will continue to resume. I told her XXXX  is not to call our friends under any circumstances, and since they don't want to work with us they can stop collection calls to us. XXXX said " that's not up to you, collection calls will resume '' and she hung up. I immediately called back and spoke to a woman who said her name was XXXX. When I asked how to spell her name she asked me why and I told her it was because I wanted to know who I was speaking with she repeated her name and when I told her I needed the spelling she then said okay then my name is XXXX. I proceeded to explain our situation to her and she cut me off by telling me that all collection calls will resume to both me my fiance and all three references on the application. When I told her to cease and desist all communication with me my fiance and anybody listed on the application she told me I can't make that request and collection calls will resume and hung up. At this point I was outraged and called back again, except this time they picked up and hung up three times. They must have called ID. I tried one more time and XXXX answered the phone, so I told her I was recording the call. She said " that's fine, pay your bill '' and hung up. I've already paid {$780.00} of the {$800.00} principal balance. I had no idea I'd lose my job because my car died andi had no transportation, or that my fiance would get hit by a car and be forced to miss work as well. I really thought by calling them, prior to the next payment being due, and being honest instead of ignoring their calls like most people do would be received in the unprofessional manner it was. I worked in XXXX  for years and if I ever spoke to a consumer in the manner they did, or lie about my name especially I would've been fired and surely reported to the FTC or FDCPA.
Consumer complaint received 2020-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BB&T CORPORATION (FL)

My account was reported 30 days late I was twice I have never been late with my auto account I have reach out to bb & t many times submitting my reference # exc showing that it was an inaccurate reporting they was suppose to rectify the error which it still shows and its preventing me from closing out a deal.
Consumer complaint received 2022-08-29
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-08-29
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXXXXXX XXXX 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-09-18
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (FL)

XX/XX/XXXX I was involved in an accident where it almost cost me my life. But God didn't want it that way and until today I'm here with difficulties. Product to the Corruption of the  lawyers I ended up suing myself and the only thing I could get was a withdrawal from my work nothing more than that This situation, as they should be imagined, results in economic situations in XX/XX/XXXX. Call the bank XXXX XXXX. Explain the situation and they did not want to help us at all over time. We ran out of all kinds of economic resources. There were problems that began transferring us to XXXX XXXX and On this occasion it was better to go to XXXX and not have to deal with XXXX staff call XXXX in several occasions to transfer us to another and they never did XXXX we asked him to make a modification the only thing they did was put us in more difficult situations every day until this year in XX/XX/XXXX they sent us a letter saying they transferred us to XXXX XXXX   which is the same as XXXX XXXX XXXX, this famous company since we are in their hands are harassing us and trying to destroy us mentally with the actions they are making us physically destroy and mentally I hope to find you can help us solve something thank you very much Sincerely, XXXX & XXXX XXXX
Consumer complaint received 2019-02-01
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. (RI)

On XX/XX/18, an item for {$1000.00} was ordered with my Chase credit card. The company was located in the XXXX, called XXXX XXXX, a seller of fine watches. On XX/XX/18, unaware of the charge on XX/XX/18, my husband signed for a package, not unusual as we have packages arrive many times a week. 



When I arrived home, knowing that I had not ordered anything, I called the number on the return address ( XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX, NJ XXXX, ( XXXX ) XXXX ). 

The company being a computer company, confirmed that they had not sent anything to my address, with the tracking number. They suspect that their XXXX account was compromised. I called XXXX and they couldnt tell where the item was really shipped from and couldnt help me. 

I checked my bank statement and saw the charge on my Chase card. I immediately called them and they started a fraud investigation and reissued me a new card. They re-billed a few weeks later stating that because I benefited from the charge ( having the watch in my possession ) that they could not help me. 

This is a clear violation of Reg Z, as I did not give authority to use my credit card to anyone and I am certainly not benefiting from a watch that is in a box. I will be more than happy to send it Chase for their own benefit. 

If this issue can not be directly resolved with Chase, then I will have no choice but to reach out the Attorney General and the news outlets as I am experiencing unjustified consumer Injury. As Chase is looking to expand their banking presence in the XXXX XXXX area, I find it even more important to let people now that Chase can not be trusted to protect customers identity or banking credentials. This type of unethical conduct should be shared.
Consumer complaint received 2022-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MI)

Information is missing from my credit profile, that being a XXXX XXXX in my name with the following account # XXXX XXXX XXXX XXXX. 
XXXX XXXX added me as an authorized user on his XXXX card back in XX/XX/2021. XXXX did approve and add me on as an authorized user in XX/XX/2021 providing me with the following account # XXXX XXXX XXXX XXXX. 
I am requesting XXXX and Equifax to verify this information with XXXX XXXX XXXX 
I am also asking XXXX and Equifax to verify XXXX authorized users policy which states : *XXXX  reports the account credit history to the three major credit bureaus as to you and the Authorized User. This can help build the Authorized User 's credit history if used responsibly. Late payments, delinquencies or other derogatory activity with your credit card accounts and loans may adversely impact yours and the Authorized User 's ability to build credit.

I am also requesting the missing information be added to my credit profile
Consumer complaint received 2020-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Innacurate employer on credit report. I do not work for XXXX XXXX. I work for XXXX  which I have sent my stubs to transunion multiple times only to have it reappear.
Consumer complaint received 2019-02-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I paid a debt to fifth third bank on XX/XX/XXXX 2019 as a part of a previous CFPB complaint. They rejected my payment, sent me collections, and damaged my credit score. I didn't realize this had happened until I received a letter from the collections agency. Fifth Third has refused my money, and it is now impacting my credit reputation due to them filing collections. 

XXXX transaction log of attempted payment : XX/XX/XXXX 2019 Credit Return : Online Transfer XXXX to XXXX # # # # # # XXXX Misc. credit {$290.00} {$4100.00} XX/XX/XXXX2019 Online Transfer XXXX to 5/3 # # # # # # XXXX transaction # : XXXX XX/XX/XXXX {$290.00}