davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-13
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. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-04-17
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: AXOS FINANCIAL, INC. (CA)

All charges where valid til XX/XX/2021 at XXXX I began seeing confirmed text messages of unauthorized transactions as follows : XXXX PST XXXX charged to Emerald  card XXXX PST 486.00 charged to Emerald Card XXXX PST  XXXX charged to Emerald  Card XXXX PST 306.00 charged to Emerald  card I was at work and left to locate nearest XXXX  Back to extract all remaining funds with a teller in an attempt to avoid further loss of funds from pre-paid federal stimulus funds on card. The teller at XXXXXXXX XXXX  XXXX XXXX XXXX in XXXX XXXX, CA XXXX agreed it was suspicious and got her manager to approve a full withdraw. Since atm has a limit and the fraud could continue if funds remained. I made three final transaction and got text records with left the card open and zero funds on balance. I then contacted the call center XXXX to report the unauthorized activity. After several dropped/disconnected calls of what sounded like the same voices on rotation, I finally got approved for fraud investigation ( team ) initiated XXXX XX/XX/2021. Only after two business days, XX/XX/2021 at XXXX I received a brief text message denying lability and concluding a non-reversal decision to the investigation. 

I immediately appealed the decision at XXXX XX/XX/2021. I have yet to hear of any follow investigation status to date. I also reported the activity to the IRS and HR Block. 

I'm utterly displeased I was a victim in a breech of cyber purchases or related with large chunks of funds missing in under 5 minutes time. The criminals seems to had activity access inside of the merchant or H & R block to gain access to my card which was rarely use inside any retail stores. 

It remains a unfair loss for me and my family during our opportunity to rebuild post pandemic status at the expense of someone else 's criminal intentions to steal. Also, negligent on the service depart hired to represent the Emerald card and merchant to its millions of customers. Sadly failure to maintain, protective and serve its members with highest security measures would be front line scope during a pandemic preventing any further financial losses.
Consumer complaint received 2023-06-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (OH)

While I was in another country on XX/XX/2023, someone impersonating a Chase Bank employee claimed that they were from the fraud department and noticed suspicious activity on my account. They had a caller ID of Chase Bank and used the XXXX text thread to send me a confirmation text code. Immediately after the call ended there were four ( 4 ) separate ATM transactions of {$200.00} removed from my account, totaling {$800.00}. I called Chase and filed a report on XX/XX/2023 and was temporarily reimbursed the full amount. On approximately XX/XX/2023 Chase denied the claim because their system traced the approval for the transaction back to my personal device ( e.g. Face ID and wallet, documents can be provided ). I called Chase again on XX/XX/2023 to file an appeal and the representative indicated that I would have to fax supplemental documents such as phone/text records and bank statements, indicating that the fraud occurred, and that the individual impersonated Chase Bank through XXXX. The results of the re-appeal came on XX/XX/2023 with interim communication with Chase employees who repeated the results of the investigation, which was denied, but did little to address the fraudulent activity or any responsibility for protecting my money against scamming.
Consumer complaint received 2017-12-23
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. (LA)

XXXX : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on [ insert date of report ] and I noticed an unauthorized inquiry had been made. 

I contacted XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within XXXX business days of the completion of the investigation. 

Thank you for your assistance in this matter,
Consumer complaint received 2022-07-05
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. (PA)

XXXX accordance with the Fair Credit Reporting act US DEPT ED 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 2022-03-27
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. (NC)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX 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 2024-03-26
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

On XX/XX/XXXX I closed a bank statement loan with XXXX XXXX XXXX XXXX to refinance my condominium mortgage. 

Within the closing documents it specifically states escrow monies were collected at closing for taxes and home owners insurance and that future escrow payments would be earmarked for taxes and home owners insurance. 

On XX/XX/XXXX I received notice via hard copy letter in the mail that the servicing of my mortgage was sold to Select Portfolio Servicing ( aka SPS ). 

On XX/XX/XXXX I received an email from my insurance agent that my home owners insurance had lapsed due to non-payment. 

On XX/XX/XXXX I contacted Select Portfolio Servicing to inquire on why my home owners policy was not paid. As it turns out, I was told their internal records state that my escrow is only to pay for flood insurance and not for home owners insurance and taxes. I live on the XXXX XXXX of a condominium building. I do not need flood insurance. The condo building itself has flood insurance and that policy was provided at closing of the loan in XXXX XXXX XXXX. 

Upon further research, my personal property taxes have not been paid yet either, which will be delinquent if payment is not received by XX/XX/XXXX. 

I have asked both XXXX XXXX XXXX XXXX XXXX Select Portfolio Servicing to remedy the situation by paying my property taxes and home owners insurance in full and to cancel the flood policy they have been paying. I didn't even sign to have a flood policy. An internal mistake has been made by either one or both of these companies. 

In the meantime I have had to pay further monies out of pocket to bring my homeowners policy back in force and am wondering what will happen if my property taxes go unpaid by XXXX XXXX XXXX
Consumer complaint received 2021-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NEW YORK COMMUNITY BANCORP INC (NY)

I am writing to The Consumer Financial Protection Bureau ( CFPB ) to further report and request an immediate resolution with the hope that you will assist and rectify a very messy and distressing situation. My complaint is associated with the unauthorized withdrawal/removal of {$1000.00} from my checking account with New York Community Bank via XXXX by an unknown individual, on XX/XX/2021. 
On XX/XX/2021 I responded to an New York Community Bank ( NYCB ) email informing me that {$1000.00} was withdrawn/removed from my NYCB checking account on XX/XX/2021 via the opening of an unauthorized XXXX account XXXX according to a notice by a XXXX XXXX XXXX XXXX ) XXXX. The notice indicated if I disagreed ( did not authorize ) the withdrawal I was instructed to contact NYCB customer service department. When I contacted NYCB customer service department on the XXXX, I was told because of the nature of my concerns I had to follow-up with my branch. Speaking with my branch manager XXXX XXXX the next day ( XX/XX/2021 ) regarding the unauthorized activity associated with my checking account. Most specifically there was the opening of a XXXX account with NYCB and the withdrawal/removal of {$1000.00} paid to a XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021. 
I was told NYCB is not responsible for any XXXX transactions and XXXX XXXX, reiterated when I spoke with him on XX/XX/2021 and met with him XX/XX/2021. When I questioned the validity of XXXX XXXX statement associated with a XXXX XXXX, having the ability to open a XXXX account and transfer funds reinforcing that XXXX XXXX was not known to me or an authorized member on any of my NYCB accounts. I was told the activity was done using my mobile phone, therefore, the bank felt the action solidified NYCB was not in any way liable even if I had not authorized the opening of the XXXX account. Clearly, such a position is preposterous and unacceptable. 
XXXX XXXX suggested that I follow-up with XXXX, a separate entity, because XXXX is not associated with NYCB. I found the statement totally unacceptable and shared my disagreement and displeasure. Even so, after several attempts to contact XXXX, I felt it was important and necessary to file an official fraud complaint with the XXXX XXXX XXXX Police Department, XXXX XXXX, XXXX, New York, moving the fraud incident forward. As a result, of my concerns, appropriately a fraud case was opened by XXXX. XXXX, and I was subsequently provided with complaint # XXXX, establishing a legal fraud complaint.
Consumer complaint received 2022-02-09
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 (VA)

XXXX XXXX XXXX On XX/XX/XXXX I went to XXXX XXXX XXXX XXXX XXXX My first purchase was with sales associate XXXX my order number was # XXXX in the amount of {$1900.00}. I paid {$260.00} leaving a balance to finance of {$1600.00}. 
Then I went to the other side of the store to XXXX XXXX XXXX XXXX and the sales associate was XXXX my order number was # XXXX in the amount of {$3000.00} On XX/XX/XXXX XXXX XXXX XXXX charged my account {$1500.00} and I hadnt been in the store to purchase anything since XX/XX/XXXX. I have been working with XXXX XXXX XXXX since XXXX when I saw my statement to get this resolved and it has not been resolved as of XX/XX/XXXX.
Consumer complaint received 2022-07-05
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: EQUIFAX, INC. (PA)

XXXX accordance with the Fair Credit Reporting act US DEPT ED 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 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

my credit score with Experian is frozen due to identity theft attempt. When a credit score check is needed we're supposed to go online / call to temporarily lift the freeze. 
the website is dysfunctional ( over 6 attempts ) and this action can not be completed. they refer you to the XXXX number. there are no agents on line ( 7 -8 calls over 2 business days ) .the only option is by mail (?!! ) with documentations and copies of bills and driving license. you can't even plan what will be the period of the temporary lift, because you have no idea when the letter will be opened. TERRIBLE.
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I settled this account back on XX/XX/XXXX however, XXXX has failed to update my credit report after 2 months to show a {$0.00} balance is owed. 

I received a confirmation that my settlement was processed successfully by XXXX XXXX XXXX payment service. 

See below. 

From : XXXX Date : Mon, XX/XX/XXXX at XXXX AM Subject : Payment Confirmation To : XXXX Dear XXXX, XXXX, Thank you for using the XXXX  XXXX XXXX XXXX XXXX. This is to confirm your authorization, on XXXX XXXX at XXXX, for electronic debit from your funding account payable to XXXX XXXX XXXX. The following account ( XXXX ) will be paid, in the total amount of {$4900.00}. 

Account Number : XXXX Confirmation Number : XXXX Effective Date : XXXX XXXX Payment Amount : {$4900.00} The payment will be completed on effective date or shortly thereafter. 

Thank You, XXXX XXXX XXXX RIGHT TO REFUND " If you, the customer, are a resident of California, you are entitled to a refund of the money to be transmitted as the result of this agreement if XXXX XXXX XXXX XXXX does not forward the money received from you within 10 days of the date of its receipt, or does not give instructions committing an equivalent amount of money to the person designated by you within 10 days of the date of the receipt of the funds from you unless otherwise instructed by you. If your instructions as to when the moneys shall be forwarded or transmitted are not complied with and the money has not yet been forwarded or transmitted, you have a right to a refund of your money. If you want a refund, you must mail or deliver your written request to XXXX XXXX XXXX* at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If you do not receive your refund, you may be entitled to your money back plus a penalty of up to {$1000.00} and attorney 's fees pursuant to Section 2102 of the California Financial Code. '' * XXXX XXXX XXXX XXXX is a third party vendor facilitating the money transfer on behalf of your service provider.
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I settled this account back on XX/XX/XXXX however, XXXX has failed to update my credit report after 2 months to show a {$0.00} balance is owed. 

I received a confirmation that my settlement was processed successfully by XXXX XXXX XXXX payment service. 

See below. 

From : XXXX Date : Mon, XX/XX/XXXX at XXXX AM Subject : Payment Confirmation To : XXXX Dear XXXX, XXXX, Thank you for using the XXXX XXXXXXXX XXXX XXXX XXXX. This is to confirm your authorization, on XXXX XXXX at XXXX, for electronic debit from your funding account payable to XXXX XXXX XXXX. The following account ( XXXX ) will be paid, in the total amount of {$4900.00}. 

Account Number : XXXX Confirmation Number : XXXX Effective Date : XXXX XXXX Payment Amount : {$4900.00} The payment will be completed on effective date or shortly thereafter. 

Thank You, XXXX XXXX XXXX RIGHT TO REFUND " If you, the customer, are a resident of California, you are entitled to a refund of the money to be transmitted as the result of this agreement if XXXX XXXX XXXX XXXX does not forward the money received from you within 10 days of the date of its receipt, or does not give instructions committing an equivalent amount of money to the person designated by you within 10 days of the date of the receipt of the funds from you unless otherwise instructed by you. If your instructions as to when the moneys shall be forwarded or transmitted are not complied with and the money has not yet been forwarded or transmitted, you have a right to a refund of your money. If you want a refund, you must mail or deliver your written request to XXXX XXXX XXXX.* at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If you do not receive your refund, you may be entitled to your money back plus a penalty of up to {$1000.00} and attorney 's fees pursuant to Section 2102 of the California Financial Code. '' * XXXX XXXX XXXX XXXX is a third party vendor facilitating the money transfer on behalf of your service provider.
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I settled this account back on XX/XX/XXXX however, XXXX has failed to update my credit report after 2 months to show a {$0.00} balance is owed. 

I received a confirmation that my settlement was processed successfully by XXXX XXXX XXXX payment service. 

See below. 

From : XXXX Date : Mon, XX/XX/XXXX at XXXX AM Subject : Payment Confirmation To : XXXX Dear XXXX, XXXX, Thank you for using the XXXX  XXXX XXXX XXXX XXXX. This is to confirm your authorization, on XXXX XXXX at XXXX, for electronic debit from your funding account payable to XXXX XXXX XXXX. The following account ( XXXX ) will be paid, in the total amount of {$4900.00}. 

Account Number : XXXX Confirmation Number : XXXX Effective Date : XXXX XXXX Payment Amount : {$4900.00} The payment will be completed on effective date or shortly thereafter. 

Thank You, XXXX XXXX XXXX RIGHT TO REFUND " If you, the customer, are a resident of California, you are entitled to a refund of the money to be transmitted as the result of this agreement if XXXX XXXX XXXX XXXX does not forward the money received from you within 10 days of the date of its receipt, or does not give instructions committing an equivalent amount of money to the person designated by you within 10 days of the date of the receipt of the funds from you unless otherwise instructed by you. If your instructions as to when the moneys shall be forwarded or transmitted are not complied with and the money has not yet been forwarded or transmitted, you have a right to a refund of your money. If you want a refund, you must mail or deliver your written request to XXXX XXXX XXXX* at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If you do not receive your refund, you may be entitled to your money back plus a penalty of up to {$1000.00} and attorney 's fees pursuant to Section 2102 of the California Financial Code. '' * XXXX XXXX XXXX XXXX is a third party vendor facilitating the money transfer on behalf of your service provider.
Consumer complaint received 2022-07-05
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: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX XXXX /File # 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 2021-05-10
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (NC)

I became behind on my XXXX account in XXXX/XXXX  of 2020 - I now know that I what I thought was the XXXX  was really XXXX  spreading to myself and my daughter. At the time I worked part-time and therefore my hours were reduced and I could not pay my account. 
XXXX and I came to an arrangement after I saw an email on XX/XX/XXXX that they were helping people through the health/economic crisis. 

After speaking with the representative, I agreed to make a payment only IF they would fix the late payments now reflected on my credit report. She agreed and I made a payment of {$320.00} - which was much higher than my normal {$70.00} payment and took a great deal of balancing on my part with regards to bills. I ONLY agreed because they would report positive payments on my credit report. 

I discovered a year later that in fact they did NOT fix my credit report as agreed. And guess what - if I don't pay it really doesn't matter because my credit is screwed now and if I close the account my credit is XXXX  .... notice how that works? These companies have our heads in a vice. 

So now after writing them the following, with a response on XXXX that says in fact the credit report is correct and they will not accept my dispute, I need you all to intervene. 

To Comenity : " I made an arrangement to get caught up last XXXX ( 2020 ) because I not only contracted XXXX ( before they really knew it was XXXX  ) but also got reduced hours due to XXXX. I held up my end of the agreement by making the payment ( s ) but you STILL reported this to the credit bureaus as delinquent. I have called TWICE to get this fixed. What is the point of me paying you ANYTHING since this delinquent report is completely dragging score down!?!?! You've send me countless emails about support and making payment arrangements, but then you still punish people. That isn't support. 

Please fix this as per our arrangement and clear this " delinquency '' from my credit report. ''
Consumer complaint received 2017-06-10
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I began disputing with the credit bureaus as of  XXXX   2017 . Since then, I have received notification from the creditors but I never received documents from any of the credit bureaus,  XXXX ,  XXXX , and Transunion. They have never provided me an update regarding me report thus making it difficult for me to review the activity on my account. I have done research and am aware I should be receiving correspondences betwee n 35 - 45 days which has not happen. In all of my dispute letters, I have always included my address so I am not sure why they are not replying me. I am also well aware that this is against the FCRA which is why I felt  it necessary to express my concern.