davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO. (TX)

XXXX XXXX XX/XX/XXXX Account number XXXX To whom it may concern : I have been attempting to resolve the unauthorized charges on my credit card for {$9500.00} that was charged on XX/XX/XXXX. I reported these charges as fraud and was refunded the money back on XX/XX/XXXX. In XX/XX/XXXX these same charges were charged back to my credit card. I called customer service and was told I needed to file a dispute for these charges. On XX/XX/XXXX I faxed my dispute to Chase. In XX/XX/XXXX I began calling and sending secure messages trying to find out what was happening with my dispute, no one could give me an answer stating the dispute was still in process. I later learned that on a few of times I called the customer service rep. opened up another dispute which allows another 30-35 days to process. I continued to send secure messages asking for help to resolve this issue. The only response I would receive was an automatic response stating that someone would contact me when the process was completed. To this day no one has ever contacted me regarding this matter and the bank website still shows this dispute is still being processed. This has also decreased my credit score by XXXX points in the beginning and recently another XXXX points I would like this to be corrected since this is at no fault of mine. I met with XXXX XXXX on XX/XX/XXXX but he was not able to help me resolve this matter and told me he was turning this over to upper management. He said I would be receiving a call from someone in management in approx. 5-10 business days. I still have not heard back from anyone as of today. On XX/XX/XXXX I called and was transferred around to several people and finally spoke to someone named XXXX, after discussing this situation with him the only thing he could tell me was the bank would not be able to refund the money to me because of the amount of time that has passed. This is totally unacceptable, I did not authorize or receive any services for these charges and I have been begging for someone to help me close this dispute. To this day the dispute still shows that it is in progress and I still have not been any reason why the bank never responded or made any effort in helping me with this situation. I have attached all of the information regarding the attempts I have clearly made to resolve this matter. 

Thank you in advance for your time with this matter. 
Please feel free to contact me via email XXXX or cell phone XXXX XXXX or work XXXX. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Gentlemen : I am enclosing a copy of a letter from Bank of America. My Bank of America card was voluntarily closed a year ago and they continue to send me statements which I dispute. I have not charged anything to Bank of America Card in over a year. They have ignored my request to close the card. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX ( XXXX ) XXXX Fax ( XXXX ) XXXX
Consumer complaint received 2022-02-15
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. (PA)

This company is removing a XXXXXXXX  XXXX account off my report that was never disputed they also removed a self lender account of my report that was never disputed they keep fraudulently disputing things that I never disputed with them.
Consumer complaint received 2018-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I was shocked when looking at my credit report because I found a late payment on XX/XX/2016. 
I don't even know how this could have happened because I always make my payments to you upon receiving my statements. The only thing I could think of is that it must have gotten lost in the mail.
Consumer complaint received 2018-04-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (OR)

Recently XXXX XXXX XXXX and Citigroup have initiated action regarding the Second Amendment to restrict legal business activities regarding providing financial services and resources regarding the manufacture and sale of firearms. This action is politically motivated, violates sound business practices, infringes on my constitutional rights by being discriminatory, and appears to violate anti-trust laws by recent statements from the CEO of Citigroup.
Consumer complaint received 2023-07-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (VA)

I got a notification that a new debit card was being mailed out on XX/XX/22 from Truist to an address that was not my home. I called them and dealt with their team to take appropriate actions and updated all of my account info. 

They took no money, but a week later tried to open another account in a different truist branch
Consumer complaint received 2018-12-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated (CA)

This is not a request for a dispute this debt was involved in IDENTITY THEFT. 

This collection company is acting in an illegal manner. This is a part of the stall tactics that they use. They are not the original creditor. 

They continue to report a debt that was involved in identity theft. I prefer to document my contact in writing with this collection agency because they are very abusive and make threats when you call them. 

They " have '' been notified on several occasions by telephone and refuse to honor my request. 

They keep referring to me as the " right party '' when in fact I am the " wrong party '' considering this debt was involved in identity theft. 

They are not the original creditor, can not supply an original contract with my legal signature and a copy of my ID that was used for this debt. A statement provided by their client is not a contract with my legal signature and ID. 

In fact this collection agency can not produce a contract with my legal signature and a copy of my ID that was used in this debt that I do not owe. 

Identity Theft Police Report is attached for the tenth time for this company to read.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is creating undue stress, and I implore you to quickly correct it by ensuring my records are updated accordingly.
Consumer complaint received 2022-06-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2022 I was requested by Bank of America fraud claims department to go to my nearest branch to identify myself due to my identity being compromised. On XX/XX/2022 I submitted a claim with CFPB addressing my concerns with the branch malpractice / negligence. The company responded on XX/XX/2022 only addressing the fraud that happened on my Bank of America account. The company failed to address the malpractice I mentioned when I visited the branch on XX/XX/2022. The company has not reached out to me regarding my concerns of banking negligence.
Consumer complaint received 2018-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

On XX/XX/XXXXI made a cash deposit of {$83.00} at the US Bank located at XXXX XXXX XXXX. XXXX CA XXXX. 
I inadvertently used another financial institution debit card, I put in my PIN number and selected deposit. I put the cash money in and the button asked to complete deposit and a receipt came out stating deposit denied call the XXXX and then my card came out and I realized I used the wrong card. When I got home I called the XXXX number and the person that I spoke with said I would have to go inside the branch. 
Monday morning about XXXX I spoke with a banker, showed her my receipt and on the receipt where it list the last four digits of the card that I used was not US Banks card but my XXXX  debit card. The banker said its not something a branch would be able to handle but to call the XXXX number on the receipt. 
I was in the parking of the branch and called. The representative said because this is a business account it could be cleared within 4 days. I got upset because I had 2 checks out payable to my credit card company and didnt want my checks returned. He said any fees occurred would be refunded and I asked would like credit my account for fees my credit card is going to charge me and his response was thats not something they would be able to do. Again I got upset asking for a supervisor and he told me to hold on. About 2 minutes later he came back and ask me to continue to hold for a supervisor. He later came back and asked for my contact information and his supervisor would call me back. 
On Tuesday morning about XXXX I called the XXXX number and was told my claim was denied because no extra money was found in the ATM. I hung up and 10 min later I called to find out why it was denied and that something needed to be done because I made a cash deposit and someone needed to do some investigating. 
As of this writing my claim is being denied
Consumer complaint received 2018-10-18
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: TOYOTA MOTOR CREDIT CORPORATION (NY)

XXXX XXXX XXXX SS : XXXX XXXX XXXX XXXX XXXX NY XXXX TOYOTA MOTOR CREDIT A/C XXXX ( XX/XX/2015,XX/XX/2015,XX/XX/2015 XX/XX/2015 ) late payments reporting.

I had made all payments on time trying to resolved late payment issue with Toyota, they keep denying it i feel like hopeless and its effecting my life.i am in contract buying house and won't to be able to get mortgage because of this late payment.

Attaching Credit reports.
Consumer complaint received 2022-06-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (OH)

While I was on vacation someone stole my card and card information. According to the bank it was used at a business named XXXX XXXX XXXX. This business doesn't have a valid phone number or website and appears closed. I was over an hour away from where they say it was used and have never been there. I called chase to dispute the charges and they denied my claim. I attempted to elevate my claim and they refused to allow me to appeal the decision.
Consumer complaint received 2022-05-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I checked my credit report and noticed that the following account is inaccurate and fraudulent. I did not own the following debt. I am a consumer by law and my information was misused. I am not happy about it. Here are the listed details of the account with discrepancy : XXXX XXXX/ {$0.00} / XX/XX/2022
Consumer complaint received 2021-03-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

My Mortgage company set a property foreclosure sale for my property. My husband recently passed I am presently in processing for mortgage assistance with my mortgage company. I requested a forbearance because I had been affected by Covid-19. My mortgage company is giving me a hard time even though President Biden has signed and executive order for foreclosures to be put on hold. My property is set for foreclosure sale XXXX I need Help, I'm a XXXX XXXX.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AR)

While reviewing my credit report I noticed that I have several late payments on my old mortgage account that I do not recall ever being late on a payment. Please reflect on my credit that my payments were on time. This account has been closed since 2019.
Consumer complaint received 2020-07-26
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: Experian Information Solutions Inc. (GA)

There are several items reporting on my credit file that does not belong to me. The following does not belong to me : Personal Information that is incorrect : XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( Experian ) XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( Experian & XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) The following accounts are reporting inaccurate late payments status : XXXX  - Date Open : XX/XX/XXXX ; Bal : {$0.00} ( XXXX, Experian & XXXX  ) XXXX XXXX - Date Open : XX/XX/XXXX ; Bal : {$840.00} ( XXXX, Experian, XXXX ) The following accounts was open as a result of identity theft ; these are not mine XXXX XXXX XXXXXXXX - Date Open : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( Experian ) XXXXXXXX XXXX XXXX  - Date Open : XX/XX/XXXX ; Bal : {$0.00} ( XXXX  ) The following inquiries were not authorized by me : XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX ( 9 TIMES ) XXXX ( 3 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXX ( 5 TIMES ) XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( 2 TIMES ) XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2018-12-13
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I contacted XXXX  and Experian to inform them of errors and inaccurate information on my report. The first contact was XX/XX/2018 there were items resolved at that time but not all. The second contact was XX/XX/2018 at which time the following items were addressed but remain on the report still : I started the process of seeking a loan and discovered my credit had been compromised. Someone has accessed and used my credit without my authorization. Accounts and Inquiries now appear on my credit report that are inaccurate. I have contacted the police department and filed an identity theft report. I am a victim of identity theft. The information listed below, which appears on my credit report need to be updated as follows : The following name is NOT my name XXXX XXXX, please remove from my report. The following accts have NEVER been late, please cease reporting as late XXXX/ XXXX XXXX acct # XXXX ; XXXX/XXXX  acct # XXXX ; XXXX XXXX XXXX acct # XXXX. This is my third letter with the same accts and information still being reported inaccurately. I will pursue this issue until I receive an accurate credit report. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information.
Consumer complaint received 2018-04-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (CA)

Received A letter about this debt in mail from XXXX XXXX XXXXXXXX saying theirs an reduce balance opportunity. But I have no knowledge or authorized of this account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Never opened any account with XXXX or XXXX XXXX. it says on the letter that the original debt was {$560.00}
Consumer complaint received 2022-02-15
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: Avant Holding Company, Inc. (TX)

I've been in XXXX Texas since XXXX, The address XXXX has of XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX I own but it is currently rented out to a husband and wife couple. The Avant/Webbank Card I never applied for and I have No need for credit since I am authorized to use my childrens credit cards. Please Delete the Fraudulent Account listed below. 

Account - - AVANT / WEBBANK Account Holder - - XXXX Account Type - - Revolving Account Condition - - Closed Date Opened - - XX/XX/XXXX High Balance - - {$330.00} Monthly Payment - - {$44.00} Account Balance - - {$230.00} Last Reported - - XX/XX/XXXX Amount Past Due - - {$0.00} Limit - - {$500.00} Remarks - - - Responsibility - - Individual Account Past Due - 30 Days - - XXXX Past Due - 60 Days - - XXXX Past Due - 90 Days - - XXXX
Consumer complaint received 2022-02-15
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (TX)

I was part of the Covid 19 forbearance and have applied for a partial claim/loan modification. I have sent all documents and they keep saying They dont have lien release paperwork when it was released XX/XX/XXXX and XX/XX/XXXX. Its been 3 months and I still dont know whats going to happen and they refuse to let me make a payment. I call everyday since XX/XX/XXXX. They wont let me speak to someone and dont tell me in a timely fashion information. Rushmore loan is the mortgage company and I have a FHA loan.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX # XXXX, Account name XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX # XXXX Account name : XXXXXXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX ) # XXXX Account name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-19
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. (IL)

I have tried fixing this issue with all three bureaus on this account because Account status reports as closed with a balance of {$2.00}, XXXX. Date last reported along with date last active has been re-aged. Payment history is reporting data by experian and XXXX yet missing data on date of last payment. I have not received any document stating that account has started its investigation yet account has been updated pushing back the date it should fall off this is not acceptable. This account is reported as close with a balance yet account is still reporting payments on payment history after account is closed this is not possible I previously wrote to bureaus asking to verify or delete immediately because account is reporting incorrectly. There is no way that account can be closed and yet reporting payments on a dead account.
Consumer complaint received 2021-03-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (KY)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX.
Consumer complaint received 2021-06-10
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 — Their investigation did not fix an error on your report
Company: Designed Receivable Solutions, Inc. (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2024-02-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NC)

Mohela took over my student loan after others closed. They are not accurately counting my payments towards student loan forgiveness. 

I can not get through on the phone to discuss. 

Ultimately, they have not included any payments from previous lenders. Ive been paying on this for years and those payments were not tracked in my XXXX XXXX
Consumer complaint received 2020-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (OK)

My mortgage was transferred from Shellpoint Mortgage to XXXX XXXX. I received notice of the change in XX/XX/XXXX. I have made all of my payments on time to both companies. 

My credit score decreased anywhere from 17 to 20 points because Shellpoint Mortgage shows my account as being closed and not transferred. XXXX XXXX does not show up on my credit report at all. 

The information is inaccurate and needs to be updated. 

Date of Loan XX/XX/XXXX Date Loan was sold to new lender : XX/XX/XXXX Prior Loan Number ( shellpoint mortgage ) XXXX XXXX XXXX Loan Number XXXX My contact information is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX