davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-10
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: Experian Information Solutions Inc. (GA)

These are not my accounts or inquiries Hello I'm a XXXX and I'm very busy. I have so many inquiries and collection accounts that doesn't belong to me I need them removed please. How can a collection agency put information on your credit and you never signed anything with them? This is all illegal. There's no names of these agencies. They talk very unprofessional. They cant proof this is mines. I contacted the three credit bureaus several times and no answer to a solution. They say its the collection agency the collection agency says its the credit bureau INQUIRIES Experian Inquiry : XXXX/XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX/XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX/XXXX XXXX llDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX XXXX  Inquiry : XXXXDate of Inquiry : XXXX Inquiry : 1 XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Contact : XXXX XXXX XXXX, XXXX, VA XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Contact : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX | ( XXXX ) XXXX Inquiry : XXXXDate of Inquiry : XXXX Contact : C/O XXXX XXXX XXXX, XXXX, FL XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Contact : XXXX XXXX XXXX, XXXX   XXXX, NY XXXX | ( XXXX ) XXXX Inquiry : XXXX-XXXXDate of Inquiry : XXXX Contact : XXXX XXXX XXXX, XXXX XXXX, CA XXXX | ( XXXX ) XXXX Inquiry : XXXX/XXXXDate of Inquiry : XXXX Contact : XXXX XXXX XXXX, XXXX, FL XXXX | ( XXXX ) XXXX Inquiry : XXXX/XXXXDate of Inquiry : XXXX Contact : XXXX XXXX XXXX, XXXX, WI XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXX XXXXtDate of Inquiry : XXXX Contact : XXXX XXXX XXXX XXXX, XXXX, GA XXXX | ( XXXX ) XXXX ACCOUNTS Balance {$450.00} Original Creditor : not available COLLECTIONS XXXX Act. # XXXX Opened XXXX Balance {$560.00} Original Creditor : not available COLLECTIONS XXXX Act. # XXXX Opened XXXX Balance {$470.00} Original Creditor : not available COLLECTIONS XXXX Act. # XXXX Opened XXXX Reported Closed Condition Balance {$270.00} Original Creditor : not available COLLECTIONS XXXX Act. # XXXX Opened XXXX Reported Closed Condition Balance {$270.00} Original Creditor : not available COLLECTIONS XXXX Act. # XXXX Opened XXXX Reported Closed Condition Balance {$1700.00} Original Creditor : not available
Consumer complaint received 2019-10-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NY)

I have tried on three different occasions to have them validate this debt. They never reply ' all they do is update the notes on my credit report, which states, " Consumer disputes this account information Collection account. '' I have no idea what this debt it.
Consumer complaint received 2023-07-06
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. (AZ)

I had a payment get returned to the company on XX/XX/XXXX and on XX/XX/XXXX I remade the payment online ( I paid the amount stated online {$100.00} ). The company has been calling me nonstop while at work, I call them back and had to leave a message. They emailed me saying I still owe them {$19.00} because there is a {$10.00} return fee for the first payment and they never explained what the other {$9.00} was for. They also said that since it is now XXXX I am now 30 days past due which is ridiculous my very first payment was due XX/XX/XXXX. I kept asking them how this could be and they ignored my question and said I must pay the {$19.00} which I already had as soon as I found out I owed it. This company is predatory and obviously will make false reports to the credit bureau.
Consumer complaint received 2022-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (IL)

I used XXXX Chase ultimate rewards points to order a gift card on XX/XX/2022. I never received my gift card. I reached out to customer service 2 times over the phone. Both times they said the gift card would be sent in XXXX business days. It never arrived. I then contacted customer service through XXXX chat. I was offered a refund of the gift card or to attempt another delivery. I attempted another deliver. I received a letter in the mail saying my gift card would arrive via email in XXXX business days. I still never received it. I asked for a refund and was told The marketing team is unable to cancel or refund the gift card even though I was offered a refund a week prior. In addition, they insinuated this was an issue with the vendor of the gift card, which was information I was never told in my XXXX previous contacts with them. I am filing this complaint because I paid XXXX points for something I never received.
Consumer complaint received 2022-10-15
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. (PA)

I MADE AN UNINFORMED DECISION ON XX/XX/XXXX AND XX/XX/XXXX WHEN I ENTERED INTO A CONSUMER CREDIT TRANSACTION WITH XXXX  XXXX WHERE I EXTENDED CREDIT TO XXXX XXXX FOR THE FOLLOWING ACCOUNT # XXXX AND ACCOUNT # XXXX. THERE WAS NO EVIDENCE OF INDEBTEDNESS. THE ONLY EVIDENCE OF INDEBTEDNESS WAS THE AGREEMENT. BUT BECAUSE OF THE UNINFORMED DECISION THAT AGREEMENT IS NULL AND VOID BECAUSE I DID NOT UNDERSTAND AND KNOW WHAT WAS IN THE AGREEMENT. THE AGREEMENT WAS NOT CLEAR AND CONSPICUOUS AND I WAS UNAWARE OF WHAT I WAS AGREEING TO. VIOLATION OF THE FOLLOWING LAWS : 15 USC 1602 ( p ) 15 USC 1602 ( k ) 15 USC 1601 ( a ) Please see attached dispute letter to XXXX XXXXXXXX. A complaint has also been filed with the ATTORNEY GENERAL of State
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have been dealing with The XXXX XXXX for XXXX months trying to get them to report that my mortgage with them was Surrendered through my XXXX XXXX XXXX. The XXXX was closed at the beginning of XX/XX/2022 and they keep reporting it as XXXX days late and sending me letters and receiving phone calls. I have spoken with them at least XXXX times and I have gotten hung up on multiple times and lied to that the problem was fixed. They told me to email them all the information from the court and that they would correct the problem but have not. I came out of the XXXX with a XXXX - XXXX credit score and because of this, I am now in the low XXXX scores. I have tried to repeatedly fix the problem with the credit bureaus but The XXXX XXXX lies and tells them it is correct. 

Please help me I have spent days trying to get this problem fixed. 

Thank you
Consumer complaint received 2018-04-10
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: JPMORGAN CHASE & CO. (MD)

I have a JPMORGAN CHASE BANK AUTO LOAN On XX/XX/XXXX i got sick and spend a few days out of work Two weeks after i was told by my Doctor that i needed XXXX and i spend tow months at home after the XXXX and receive a XXXX XXXX XXXX which was less than the haft of my regular paycheck i wasn't able to make my payments on time only my utilities bills was cover i spoke to the JPMORGAN CHASE BANK to let them know about my situation. 
XX/XX/XXXX I was able to go back to work and started pay off my late bills and got all up to date. I check my credit report and saw how much this have affected my credit report.
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My credit report is unable to be viewed. Any time I try to check on it I get a message that says your information doesn't match credit bureau records. Every thing I input is accurate
Consumer complaint received 2022-04-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc. (TX)

I requested that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. 
XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, 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 an account without my written instructions
Consumer complaint received 2022-04-10
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: Experian Information Solutions Inc. (FL)

The Company Has Inaccurate Reporting Of Payment History. I've Tried Numerous Times To Dispute This False Information But They've Never Removed It. With XXXX And Experian It Is Not Showing My Last Payment With The Bank " XXXX ''. My Last Payment Was In XXXX Of The Year XXXX. Please Either Alter And Correct This False Information On XXXX And Experian, Or Delete The Account From Reporting On My Credit Report. 


False Information ( s ) Is Being Reported On My Credit File, Please Either Alter The Information And Make It Up To Date, Or Permanently Remove This Item From Further Reporting Incorrect Information ( s ) From My Credit Report. It Will Be Greatly Appreciated.
Consumer complaint received 2024-01-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (MI)

Hi CFPB, on XX/XX/XXXX going into the XXXX I went to a bar named XXXX XXXX XXXX in downtown XXXX and I got my debit card stolen after paying my tab at the bar. I went back to my hotel room at XXXX  XXXX and went to bed. I woke up and noticed my debit card was missing out of my wallet and checked my bank account and someone out there hit up every ATM and other things that night withdrawing a total of {$6000.00}. The criminal did roughly 40 or more transactions using my debit card. Please help me out, my bank credited my money back the next morning when I reported it and thought it was all taken care of. As of XX/XX/2024, chase bank has reversed the fraud claim, and is saying I have benefitted off this act because my PIN number was used multiple times without fail. I did not benefit off this and I dont know how whoever got my PIN number got it, and I have filed a police report with the XXXX Police Department . Report number : XXXX. He went to numerous locations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ATM withdrawal XXXX, ATM withdrawal XXXX, ATM withdrawal XXXX, ATM withdrawal XXXX, ATM withdrawal XXXX, ATM withdrawal XXXX. I called chase fraud department when waiting my for my money to return for updates, simply updates, every time I called the chase fraud department they were opening a whole new claim. I have no idea why they did that, leading my case into more confusion. This is a clear case of fraud, I have submitted my case to Chase Fraud and they are not helping, they gave me my money back and then reversed it leaving me negative - {$1600.00} dollars in my checking account where my bills come out of. I did not commit this crime, I did not benefit anyway, and I did not authorize any ATM withdrawals or any of these other transactions using my chase debit card. I am a victim of fraud.
Consumer complaint received 2023-09-11
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (CT)

I used Affirm to pay for and item that I bought online. The item I received was not at all as described so I reached out to the seller to get a refund. The seller was non responsive and refused to assist me. I then disputed the purchase through Affirm since they were the loan provider. I provided pages of proof and evidence to support my claim. Affirm sided with the seller and told me that to get a refund I need to reach out to the seller. The seller is non responsive to emails and blocked my phone number and even blocked my wife when she tried to contact them through social media. It is absolutely impossible for me to get a refund through the seller, therefore Affirm needs to take responsibility.
Consumer complaint received 2019-07-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (PA)

This complaint is for DITECH Financial LLC and XXXX XXXX - both equally responsible. 
Ditech was my servicer - they filed Bankrpt and mortgage assigned to XXXX XXXX XXXX ( XXXX ). Rec 'd letter XX/XX/XXXX from XXXX XXXX explaining all. With Ditech, I was on auto-pay ( $ XXXX/mth withdrawn on XXXX of month. ) I contacted Ditech - website shows auto-pay terminated XX/XX/XXXX - and I did internet chat with CS person who confirmed I. 

Letter from XXXX XXXX states " During a transfer of servicing, the bll pay service infor. w/your bank must be changed so that XXXX will receive your monthly payment. This change can only be made by you. The bill pay serv.WILL NOT make the adjustment if requested by us and they will not forward the payments '' There were 2 blank auto-pay forms included - I still have both - never auth. by mail. 

On XX/XX/XXXX get an email that they are ready to handle my account, can sign up for online serv. etc. At NO time did I sign any forms elect. or paper or any bank infrom. 

I did internet chat with CS person an they stated also that no auto-pay could be done w/out signature/bank inform. 

I sent in check for XX/XX/XXXX ( {$750.00} ) they received it on XXXX I then noticed that there was ANOTHER {$750.00} removed on XX/XX/XXXX - AUTO-PAY from LoanCare. I couldn't get into my account - nothing was set up at that time, so no access. It wasn't until I found these 2 payments XX/XX/XXXX? that I went into online and set up acct - to access my loan info - again I GAVE No permission or bank inform. 

I tried calling/emailing them - no response. I checked site and tried to cancel the auto pay but it wasn't completely set up so wouldn't let me. It said next pay due XX/XX/XXXX - showed I paid for XXXX and XXXX in XXXX so I let it go thinking issue is over. 

Today I was informed by bank that I am OD AGAIN - XXXX took out a 3rd payment XXXX claiming it's now for XXXX and I will owe again XXXX. 

I am now overdrawn a 2nd time, owe almost {$300.00} in OD fees to bank for the two episodes, my XXXX credit score is going to be trashed when they report this, I have to put all my regular bills on hold and pay them late - which costs late fees and potential rate hikes or put on high interest CCs to avoid late pays. I don't have savings or " extra cash '' laying around to cover this BS. 

What recourse do I have - I can't be the only one they have done this to - who else can I report it to? 

I have tried again to cancel the auto-pay, am betting it doesn't work and am betting they don't fix the account to show I've made 3 pay - which would mean no collecting until XXXX - and I'd bet the property it's going to take an act of XXXX to get the 3rd pay refunded and get payment for all the OD charges, late fees and interest that ' going to come out of this mess.
Consumer complaint received 2020-02-10
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: JPMORGAN CHASE & CO. (NC)

When making a reservation with Marriott, I was offered a promotion of a {$250.00} statement credit if I applied for a Marriott XXXX  credit card and spent {$2000.00} on that card in the next 3 months. I did this when I made the reservation in XX/XX/2019 for a reservation at XXXX XXXX, NC in XX/XX/2019. I made the required purchases of over {$2000.00} during XXXX and XX/XX/2019. They said it could take up to 8 weeks to see the credit. When I never received the {$250.00} credit on my card, I called and asked why. They told me they instead gave me XXXX loyalty points. I told them that I wanted the credit not the points. They denied me that option.
Consumer complaint received 2017-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was shocked when I reviewed my credit report and found all the inaccurate items that did not belong to me. 

CREDITOR : XXXX XXXX XXXX Account # : XXXX I have repeatedly asked this company to provide me with details on how they are able to verify something that does not belong to me. I dispute having any obligation for this debt and if you are unable to provide me with the legal documents and contracts as I have repeatedly requested then I would like to have this item permanently taken off of my credit report immediately ( per my rights under the Fair Credit Reporting Act ).
Consumer complaint received 2023-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (IA)

On XX/XX/2023 I called Chime Bank where my Checking account is and I asked them if they could get in my checking account and send XXXX, XXXX a XXXX dollars Down Payment for a vehicle that I was approved for they told me YES and they went to my checking account and deducted the XXXX dollars and Electronically sent it to XXXX, XXXX so I thought my delivery of my NEW VEHICLE was supposed to be on XX/XX/2023 on XX/XX/2023 I received a phone call from XXXX, XXXX telling me that they were not going to deliver my vehicle on XX/XX/2023 when I asked why not they told me that they have not received my XXXX dollars DOWN PAYMENT yet so they told me that they have to reschedule the delivery for the next week XXXX, XXXX then scheduled the delivery to XX/XX/2023 on XX/XX/2023 the day of the delivery I never heard anything from XXXX, XXXX whatsoever so that's when I called them and I asked them why haven't I heard anything from you about my delivery for today that's when they told me once again we still have not received your XXXX down payment so I called CHIME for the XXXX time and told them what XXXX, XXXX was saying, CHIME kept lieing to me telling me that they sent the XXXX DOWN PAYMENT to XXXX, XXXX finally I asked CHIME can you please send me proof of the check you sent to XXXX, XXXX when they sent the check image EVERYTHING on this check was wrong they had XXXX, XXXX wrong address on this check they had my information wrong they said I live in XXXX XXXX XXXX, UTAH when my CHIME PROFILE shows my correct information. They still HAVE NOT GAVE ME back my XXXX dollars they stole from me even as of Today 's date I'm asking you for your help to get my XXXX dollars back as well as DAMAGES for all the Stress they put me under,
Consumer complaint received 2022-04-10
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. (DC)

Disputed the following unknown inquiries that I did not authorize that still havent been removed from my Experian credit report : XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-06-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (DC)

I was sent two fraudulent checks on XX/XX/XXXX and XX/XX/XXXX. I was informed that the checks were issued by a superior. The deposits were not flagged by XXXX XXXX XXXX immediately, that occurred several days later, which led me to believe the funds were available. The sender then requested money be sent via Zelle on XX/XX/XXXX and XX/XX/XXXX. In the process, and as previously stated, these fraudulent checks were not flagged, which resulted in the loss of XXXX ( XXXX XXXX XXXX XXXX XXXX. The sender has not responded to any communication.I have reached out to the sender via text and by phone, to no avail. I contacted XXXX XXXX XXXX, and was told to contact Zelle directly. Ideally, I am asking that my money is refunded, one in part with the delayed identification of fraudulent checks by XXXX XXXX XXXX and two, with the lack of protection or additional authentication from Zelle. I did not receive communication from XXXX XXXX XXXX until, XX/XX/XXXX and XX/XX/XXXX. I am currently at a loss of XXXX, due to this scam, with no protection offered from Zelle or XXXX XXXX XXXX. I would think my bank or Zelle would take this into consideration and provide an appropriate response during a time where someone took advantage of me. I would like to get this case resolved, even more so as we are in a pandemic. COVID-19 has had a severe impact on my finances and I have done my best to save for any unexpected or unprecedented expenses. Due to the nature of this, and severity of the situation, of which I am sure I am not the first victim, I am asking that a resolution is offered and there is a Zelle Chargeback Claim filed.
Consumer complaint received 2022-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have never applied for credit application or any inquiry with Capital one. Capital one is in violation of Fair credit reporting Act 15 USC 1681b for unlawfully obtaining my XXXX, XXXX and XXXX consumer report on date of XX/XX/XXXX and XX/XX/XXXX.