davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-25
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)

NOTICE!!! As a federally Protected consumer/natural person I DEMAND these accounts be removed! The information listed, which appears on my credit file, does not relate to any transaction ( s ) that I have made. You/reporting agency are in violation pursuant to 15 u.s. code 1692d ( 1 ), 15 u.s. code 1692j ( a ), 15 u.s. code 1692e ( 1 ) ( 2a ) ( 3 ) ,15 u.s. code 1692c ( a ) for helping to facilitate entities/companies to commit fraud. You/reporting agency are also in violation pursuant to 15 u.s. code 1681r for sharing/communicating my private consumer/natural person file to other unknown entities without my consent. If this is not resolved Within 30days of receiving the FTC Affidavit I will take lawful action ordering judgment against you and the Debt collector under 15 u.s. code 1692k for damages. THE XXXX XXXX XXXX XXXX CL Date Opened : XX/XX/XXXX Amount : {$580.00}, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2021-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (PA)

{$4800.00} was stolen from my XXXX checking account. Someone stole the envelope with the {$18.00} check I mailed out using the street blue mailbox for a lawn service. My {$18.00} check was altered and cashed by a person named XXXX XXXX. He or she simply crossed out the original amount of {$18.00}, wrote the new amount of {$4800.00} underneath, changed the memo from the Invoice number to a Car payment, and deposited it using JPMC Bank ATM ( JPMorgan Chase XXXXFormer XXXX XXXX ). Neither JPMC nor XXXX  banks saw anything wrong with the check and accepted it. As soon as I saw the fraud on my account I reported it to my bank and the police. Here is what my bank ( XXXX ) stated when I requested the provision of credit : " We confirmed that our Security Department received the Check Fraud Dispute you submitted. For this type of dispute, the bank of first of deposit ( where the check was deposited ) is responsible for investigating your claim. Your dispute was sent to this financial institution, XXXX XXXX, Indiana NA, upon receipt of the dispute submitted in the branch. The investigation typically takes between 60-90 days ; however, due to COVID, the investigation may take up to 120 days. Upon completion of their investigation, the bank of first deposit will contact XXXX XXXX  with their findings, and we will contact you with the details. If they provide the reimbursement, it will be posted to your account as a credit memo. Unfortunately, provisional credits are not offered for a check fraud dispute. While there are some debit/credit card disputes where provisional credits may be provided ; this is not a situation where a provisional credit can be applied to your account. ". I had an excellent credit score, and it's now in jeopardy. How I am supposed to pay my bills? Coronavirus is now balmed for everything. The bank has allowed someone to take my money and refused to take any responsibility. I am not even sure if I ever get my money back. I thought FDIC had some leverage here. I am now not sure. 
I am asking for any possible help. I can provide a copy of the check that was altered and deposited, and other documents if needed. Both banks have all the necessary information. I can not contact JPMorgan Chase for the provision of credit, since I am not a customer there. They will not talk to me. I was told by my bank that they dont have control over the ATMs. I was shocked to found out that. It means that anybody could just draw a check and deposit it using ATM. What is the point to rob a bank with a weapon, if it is easily can be done through ATMs. I am going to write a letter to the XXXX XXXX  XXXX and contact media to bring attention to this problem. How could a check like that be accepted by an XXXX XXXX? Where was their security department?
Consumer complaint received 2022-02-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

In XX/XX/2022 I was a victim of fraud. I got a call ( and XXXX appeared on my caller ID ) from what I thought was my utility company, stating a payment was due. 

The scammer convinced me that payments could be made faster through my bank/XXXX. I know that utility payments can be made at bank branches so it did not seem unusual. 

I paid {$300.00} via XXXX and they said it did not go through so I made another payment of {$290.00}. 

I found out I was scammed. 

I filed a claim with my bank, Capital One and included the police report that was filed. They denied my claim first stating I should work it out with the vendor ( no vendor to work out ) and later stating that XXXX is not responsible for scams. 

I reminded my bank that the XXXX service is utilized via my online ( capital one online banking ). I better understand now if that XXXX is a XXXX party vendor but I feel I should more protection from my bank. 

Thanks
Consumer complaint received 2021-12-13
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NC)

I request to see results soon considering that this complaint has been filed before and you have failed to comply with the time that federal law provides, or I would have to take other legal action towards you to see results
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Overton, Russell, Doerr and Donovan, LLP (NY)

There has been a XXXX XXXX XXXX in my credit report for the last XXXX yrs. and has been showing as an unpaid debt. The XXXX submitted a XXXX XXXX XXXX claim to my insurance incorrectly : wrong amount and wrong medical billing codes. As a result, my credit has been negatively impacted - I have been trying to refinance my mortage as stated in my divorce papers. 

I was in a XXXX XXXX  in early XXXX, I went to XXXX XXXX in XXXX, XXXX to be checked and submitted all required no-fault claim paperwork to both hospital and my insurance company. 

It has taken me XXXX yrs. to get this corrected, and still, the negative history is part of my credit history. 

I have made countless calls to the collection agency- Overton and Russell - however, all they could site was " collections laws '' and that they had nothing to do with the claim nor had any idea of how to " remove this '' from my credit history. 

The attached letter was received from them on XX/XX/XXXX, and still, my credit report shows this debt -- appears on my XXXX ( XXXX ) credit bureaus as " old unpaid medical debt ''
Consumer complaint received 2021-12-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (NY)

I have an account with Coinbase.com and on XX/XX/2021 had approximately {$7500.00} in cryptocurrency in my account. During the early morning hours of XX/XX/2021 I received text messages from Coinbase of suspicious activities in my account and asked if it was me initiating these activities. I awoke from my sleep to answer the texts and responded that it was not me and locked my account. I called and learned that my money was safe but account was locked and would have to wait 24 - 48 hours to have access to my account. I specifically asked to verify that my money was not moved but again reassured that it was safe. I later learned that all my money but {$0.00} remained in my account. I also learned that my personal bank account linked to my Coinbase account had {$1000.00} transferred from my bank to Coinbase during this same time frame. In total, I sustained a loss of approximately {$8500.00}. Communicating with Coinbase to investigate what occurred has been almost impossible. Each time I spoke with a live representative, I was told that my case was being referred to the next level and that I would be contacted by that level within 24 hours. That " level '' has yet to contact me. Coinbase has failed to protect my money, replenish my losses and respond to my desperate requests for answers.
Consumer complaint received 2021-12-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP (WA)

I have an XXXX credit card through XXXX XXXX XXXX. The last time I used the card was in XX/XX/2021 for {$44.00} at XXXX. In XXXX, I called in to pay my bill and was informed that my balance was {$4400.00} +. I was on the phone with 2 separate Elan representatives and I was insured that this would be looked into by the Fraud Department. I was then sent a new credit card and the old card was cancelled. Charges still kept be charged to XXXX, XXXX, XXXX and other miscellaneous companies. I again called the Fraud Department and they again closed that card down and sent me another one and told me not to activate it. I didn't. I have since been receiving card member services statements everyday showing a credit for one charge at a time. I at this time have over XXXX statements. The latest card that was not activated was charge this last XXXX for miscellaneous amounts totalling {$2000.00}. I for the last 10 months have been calling and speaking to Elan and everytime I am assured that a note on my account will be made and my credit won't be damaged. My husband and I bought a car a few months ago and was informed because of this nightmare, our credit went from XXXX to XXXX. Also I and he are being called 2-4 times a day. When I take the call, it is the same old promises that everything will be fine and I get transferred to the fraud department to explain the entire nightmare again. I also went into my local XXXX branch and the manager told me there is nothing she can do as they don't deal with the credit cards. My current balance on the card is {$1900.00}. I told Elan that I am not paying it and I need my credit restored. I have over XXXX statement showing that many of the charges were credited to my account but the charging continues and I am thinking it is an inside job. I don't know where to go from here. 

Please feel free to contact me at XXXX. The telephone number for cardmember services is XXXX. I do have over a XXXX statements that I can send you but am not sure if you wanted to have so many! By the way, as I was writing this, I was called again from XXXX Services.
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. (FL)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

TO WHOM IT MAY CONCERN : I am writing to delete the following information on my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-08-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Huntington national bank was a horrible process just to get the loan an even after has been horrid me since To get an fha loan you have to have insurance well I went ahead an call Huntington an said Ill take their insurance low an behold a year later went to make a claim so I called Huntington to see who to talk to about the claim and was told XXXX well I called XXXX an was told no policy was in place so I called Huntington back and they said oh ok its XXXX heres a policy number Well XXXX  said no policy was in place so once I told Huntington that they forced placed insurance that was XXXX $ more a year an XXXX on me because of their mistake so now a year after that I get a letter sayin Im gon na owe XXXX $ for more force placed insurance from before I made the claim in my eyes Huntington did not have all the requirements for the loan ( insurance ) an my loan should be terminated at their expense I want out of my loan out of the house an no percussions from their mess up
Consumer complaint received 2021-05-10
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. (OK)

On XX/XX/XXXX my credit score adjusted to XXXX, And stayed that way until XX/XX/XXXX, and dropped XXXX points for no reason. There has been no negative activity for that week or even the last month. In addition the information that was reported that week was all positive. A collection had fallen off and balances went down on 2 of my accounts. There is no substantial evidence to support lowering my credit score. I have spoken to Equifax and they did not nor did they try to help me. 
Your system would not let inset the last 4 of my social security number It is XXXX.
Consumer complaint received 2021-05-10
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: CITIBANK, N.A. (KY)

Someone had submitted multiple fraudulent applications with multiple banking institutions, including with XXXX XXXX XXXX XXXX, XXXX and XXXXXXXX XXXX ( all were reported to the credit bureaus around XX/XX/XXXX to XX/XX/2021 ). The credit inquiries resulted from filing credit applications with the above listed institutions have already been reported to all 3 credit bureaus and has already begun to have a negative impact on my credit score.
Consumer complaint received 2018-07-08
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: Conn's, Inc. (TX)

I sent a letter via certified USPS mail to Conns Credit Corp that was signed for by an employee at the address listed on my credit report on XX/XX/2018. The letter disputed an account they are currently listing on my credit report as having been late over 30 days on four ( 4 ) occasions. They sent me a letter back a few weeks later with what was supposedly " verification '' of the reported account. I waited the required 30 days as per the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ). On the 31st day, I printed an updated copy of my credit report and it still contained the above-mentioned account and had not been marked " disputed '' by any of the credit bureaus as required by the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ).  We are now at XX/XX/2018 and I have since printed two additional updated credit reports that do not have the accounts listed as " disputed ''. Throughout this entire process, I have retained copies of the signed, certified mail letters delivered to the company as well as time-stamped copies of my credit reports to verify they did not mark the account as disputed in the required 30-day timeframe.
Consumer complaint received 2023-07-05
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (WA)

In XXXX, I applied for the AMEX Platinum card using a referral link provided by a friend. When I applied for it, Amex application page link shows that I could get XXXX points+ {$200.00} for my welcome offer if I spend XXXX in first 6 months. In 3 months, I paid for the card annual fee ( over {$600.00} ) almost spent XXXX and checked with the customer service about the welcome offer. They told me that the welcome offer is not approved and therefore I would get nothing. I am very sad because I I was not notified of this decision at any point since opening the account ( the application page shows that I could get the welcome offer ). Had I been informed earlier about the status of the welcome offer, I would have reconsidered opening the card.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion, XXXX, & XXXX continue to report incorrect information on my consumer report. The account listed as XXXX is incorrectly reporting and causing me damages. The consumer agencies are required to report accurate information. Furthermore any account that is charged off with a balance due it should be returned to the consumer not the creditor. How is the consumer agencies reporting this account as a charge off? I would also like the documentation used to verify this information. This account is also reporting XXXX different ways which means this account has not been properly verified as accurate. 

Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX Creditor Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Companies Account Status : Closed Closed Open Creditor Remarks : Collection Account Placed for collection Account seriously past due date/account assigned to attorney, collection agency, or credit XXXX 's internal collection department. 
Collection account Telecommunications/cellular Account Type : Telecommunications/Cellula Veer, or collect extension, Collection ( a ) Accuracy and fairness of credit reporting The XXXX makes the following XXXX : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
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 — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE (NV)

We stayed at XXXX XXXX by XXXX hotels last XX/XX/21. It is part of their scheme to have the visitors to attend one of their seminars for 1 hour they said but it took us 5 hours. At the same date as above, they offered a timeshare and with our consent we agreed to have our credits checked and just to see where we at. We provided our information and signed some consents that they will just use our information to see our current APR for timeshare. We we're there for 5 hours because many of the agents goes back and forth to all the visitors/attendees trying to convince us to take a timeshare. We straight up told them we are just inquiring and just curious and not really planning to get one at least for the time being. All the agents look so XXXX and XXXX. They we're not very professional and kind of forcing us to sign but we never did. 1 month after, I received a letter that I opened TWO NEW CREDIT CARDS FROM WYNDHAM. The first one is from Barclays Wyndam Rewards with a credit limit of {$1600.00} and the second one is from XXXX XXXX Bank Wyndham XXXX XXXX for a credit limit of {$5000.00}. Attached pictures are the evidences and the dates when they opened a credit card for us. 

It was never agreed that I will open any credit cards under them. And I never consented them to use my information specially my Social Security to Barclays and XXXX XXXX XXXX. This also hard hitted my credit score and also my wife 's because they actually attempted to open a credit card to my with Barclays too.