davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

I was contacted for a remote job position at XXXX via email, the email address the person or group of persons used was XXXX. The job position was XXXX XXXX XXXX was required to fill out a questionnaire about my knowledge and experience. I was later informed that I was selected for the position. I was sent XXXX checks to deposit to paying for office equipment to furnish my home office. After the amounts were in my bank account I was then instructed to pay XXXX vendors via XXXX and bank transfer. 

XXXX XXXX using the email address XXXX through XXXX and XXXX XXXX through check. 

Client name : XXXX XXXX Bank XXXX XXXX XXXX number : XXXX Routing number : XXXX Checking account XXXX check for {$4900.00} was received on XX/XX/2022 and deposited into my JPMORGAN Chase bank account. On XX/XX/2022 I was instructed to pay {$1800.00} to XXXX XXXX and {$3100.00} to XXXX XXXX. These amounts were sent XX/XX/2022 A second check was received XX/XX/2022 for {$4700.00}. On XX/XX/2022 I was instructed to pay {$1800.00} to XXXX XXXX and {$2900.00} to XXXX XXXX. These amounts were sent XX/XX/2022. 

On XX/XX/2022, after sending the payments to XXXX XXXX and XXXX XXXX, I was contacted by the Chase Bank. The bank personnel indicated that the transaction and situation seemed suspicious and that I should look further into it. I contacted XXXX via a phone number listed on their website. The representative informed me that they do not use email addresses XXXX, their email address would XXXX. 

I reported the issue to Chase Bank and XXXX. The Chase Bank indicated that they canceled the transactions done on XX/XX/2022 of {$1800.00} to XXXX XXXX via XXXX and {$2900.00} to XXXX XXXX to his bank account number. The transfer to XXXX sent on XX/XX/2022 would be cancelled. The XXXX transfer to XXXX XXXX sent on XX/XX/2022 had already gone through and they would not be able to cancel it but would try to dispute it. 

JP Morgan Chase Bank later indicated that the checks I received and deposited into my Chase Bank Account were found to not be genuine checks resulting in the amounts {$4900.00} and {$4700.00} being taken from my account. Chase Bank also indicated that no action will be taken to recover the {$1800.00} sent to XXXX XXXX on XX/XX/2022 and their inquiry into the issue was resolved. 

The amount of {$1800.00} transferred to XXXX XXXX through XXXX was not recovered by the bank. This is the transaction done through XXXX for which Im making a claim.
Consumer complaint received 2019-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

I went to check my report and noticed all these inquiries. I didn't give consent to any of these places to pull my credit. Please have them show me proof that i gave consent. 
1.XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX 2.XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XX/XX/XXXX 6.XXXX XXXX XXXX XX/XX/XXXX 7 . XXXX XXXX   XX/XX/XXXX 8.XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XXXX  XX/XX/XXXX 10.XXXXXXXX XXXX  XX/XX/XXXX 11. XXXX XXXXXXXX XXXXXXXX XXXX   XX/XX/XXXX 12. XXXX XXXX XXXX  XX/XX/XXXX 13. XXXX XXXX   XXXX XX/XX/XXXX 14. XXXX XX/XX/XXXX 15. XXXX XX/XX/XXXX 16. XXXX XXXX XX/XX/XXXX 17. XXXX XXXX XXXX XX/XX/XXXX 18. XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 19. XXXX XX/XX/XXXX 20. XXXX XXXX XXXX XX/XX/XXXX 21. XXXX XXXX XXXX  XX/XX/XXXX 22. XXXX XXXX XXXX . XX/XX/XXXX 23. XXXX XXXX XX/XX/XXXX 24. XXXX XXXX  XX/XX/XXXX 25. XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX 26. XXXX   XXXX XXXX XX/XX/XXXX 27. XXXX XXXX XXXX XX/XX/XXXX 28. XXXX   XXXX XX/XX/XXXX 29. XXXX XXXX XXXX  XX/XX/XXXX 30XXXX XXXX XXXX   XX/XX/XXXX 31. XXXX XXXX XXXX XXXX XX/XX/XXXX 32. XXXX XXXX XXXX   XX/XX/XXXX 33. XXXX XXXX XXXX XX/XX/XXXX 34. XXXX XXXX   XXXXXXXX XXXX XX/XX/XXXX 35. XXXX XXXX XXXXXXXXXXXX XXXX XX/XX/XXXX 36. XXXX XXXX XXXX. XX/XX/XXXX 37. XXXX XXXX XXXX  XX/XX/XXXX 38.XXXX XXXX XXXX XX/XX/XXXX 39. XXXX XXXX XX/XX/XXXX 40. XXXX XXXX XX/XX/XXXX 41. XXXX XXXX XXXXXXXX XX/XX/XXXX 42. XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 43XXXX XXXXXXXX XXXX   XX/XX/XXXX 44. XXXX XX/XX/XXXX 45. XXXX XXXX XXXX   XX/XX/XXXX 46. XXXX XXXX XXXX XX/XX/XXXX 47. XXXX XXXX XX/XX/XXXX 48. XXXX XXXXXXXX XX/XX/XXXX 49. XXXX XXXX XXXX   XX/XX/XXXX 50. XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2019-05-14
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. (IN)

XXXX XXXX XXXX ( formerly XXXX XXXX ) should not be on my credit report. The credit report shows me owing XXXX XXXX {$7700.00}, and that is not correct. This company was listed on my bankruptcy ( case # XXXX ) which was discharged XX/XX/18.
Consumer complaint received 2019-05-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: American Finance LLC (DE)

XX/XX/2019 American Finance submitted wage garnishment to XXXX XXXX ( new employer ) and are continuously still seeking payment even though i am under chapter XXXX bankruptcy. 

Case # : XXXX
Consumer complaint received 2019-05-14
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. (RI)

I checked my report before going to purchase a car and I noticed these accounts that don't belong to me. 

1. XXXX XX/XX/XXXX {$430.00} 2. XXXX XXXX XX/XX/XXXX {$110.00} 3. XXXX XXXX XX/XX/XXXX {$220.00} 4.XXXX XXXX/ XXXX XX/XX/XXXX {$260.00}
Consumer complaint received 2022-12-14
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. (NJ)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2021-02-26
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. (AZ)

I disputed my balance and/or past due amount are/is correct. I also Disputed My payment history/rating is incorrect in showing 21 % and me having 48 late payments reported by Transunion with the dispute being completed on XXXX. Both were for my account with the MN child support agency. The conclusion of the dispute stated the information was updated. 

My XXXX payment history shop at 91 % and is stating I've missed one payment with the MN child support agency. I have documentation from the MN child support agency stating I am current on my payments and I am not in the areas on this account.
Consumer complaint received 2020-07-14
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (MA)

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Charges were accepted even after they were disputed ( XX/XX/XXXX ). I was not notified by mail ( statement ), phone or email. Found out XXXX  months later, after credit score dropped. Company has finally agreed to take charges off, but will not fix credit reporting issue. 
XX/XX/XXXXXXXX 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 Due to XXXX XXXX Error with Company continued to charge late fee and interest, thru XX/XX/XXXX. 
Started dispute process in XXXX ( as soon as realized ) and not resolved, fees mounting and credit reported.
Consumer complaint received 2023-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (OK)

On XX/XX/XXXX of XXXX, all of the money in my bank account was drained within a few hours while I was sleeping. I received a text message multiple times from chime bank asking if I want to authorize a transaction from XXXX XXXX. I responded no yet the bank still allowed the transactions to go through and this completely drained my bank account. The transactions range from {$1.00} all the way up to {$23.00} and there were over XXXX transactions. I immediately notified my Bank of this issue and reported this as fraud. The card information that was used was the card number from my digital card in Chime. Chime bank instantly declined the dispute from all of my fraud charges and no money was given back to me. XXXX failed to protect me as a customer and allowed an unauthorized user to spend all of my money even though I declined the transactions and told chime to not authorize these. I then filed a rebuttal and requested that I received documentation on how they came to the conclusion that there was no fraud. My rebuttal was again denied XXXX days later, and no documentation was provided to me after multiple requests on how they came to the conclusion.
Consumer complaint received 2021-08-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (VA)

Specialized Loan Servicing LLC. received XXXX from my county tax agency. After trying everything in my power to get my money which they thought they were going to try to steal they finally sent me XXXX that however is not XXXX. They still owe me XXXX They legally can not keep that money. Both the head tax agent for XXXX and my current mortgage company said they know for a fact that is what SLS received and should return to me. I want to know where this left over money is. All I want is my money and I will be out of their hair. Also, whenever I call in trying to find out what is going on they pretend like they are transferring me over and then just hang up. It is honestly trifling.
Consumer complaint received 2019-05-14
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. (RI)

I checked my report before going to purchase a car and I noticed these accounts that don't belong to me. 

1. XXXX XX/XX/XXXX {$430.00} 2. XXXX XXXX   XX/XX/XXXX {$110.00} 3. XXXX XXXX XX/XX/XXXX {$220.00} 4.XXXX XXXX/ XXXX XX/XX/XXXX {$260.00}
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-05-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lien Enforcement Inc (CA)

Gifted a 1995 XXXX XXXX to my nephew, XXXX XXXX, XX/XX/XXXX and signed a bill of sale, as well as submitted a release of liability to XXXX, CA DMV following. XX/XX/XXXX XXXX XXXX sold the vehicle to XXXX XXXX, drivers license number XXXX, address of XXXX XXXX XXXX, XXXX, CA XXXX, telephone number XXXX and received a signed bill of sale. XX/XX/XXXX, I, XXXX XXXX, received a notice dated XX/XX/XXXX from Lien Enforcement Inc, Specialized collection service, creditor XXXX XXXX  XXXX, reference number XXXX addressed to myself with a total due of {$1900.00} and stating the debt will be reported as mine to the credit bureau within 30 days. 2 legal owners have had the vehicle since I last drove in XX/XX/XXXX or had possession of early XX/XX/XXXX and this company is attempting to fraudulently hold me liable for the debt.
Consumer complaint received 2019-03-08
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (IL)

XX/XX/XXXX I initially began to attend the Illinois XXXX XXXX XXXX XXXX , being mostly funded by XXXX XXXX . 
XXXX XXXX XXXX denied by request for the Junior year of school tuition. I had no family help ( they made too much $ for me to get federal aid through FAFSA ) and had to withdraw from school. 
XXXX Now being XXXX, I was eligible to sign up for FAFSA without inputting my family info. 
XXXX The school lost its accreditation status. Being an art school most classes will not transfer. 

I reached out to XXXX XXXX repeatedly letting them know the school has closed and I was unable to get my degree. Also brought to their attention that if they had let me know before I enrolled in school that I would not be approved for tuition for 4 years, I would not have enrolled where I did.
Consumer complaint received 2018-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

We submitted an investigation request to the credit bureaus on XX/XX/XXXX. Over thirty days have past, but Equifax and XXXX have not responded yet. I am attaching a copy of the request we sent on XX/XX/XXXX.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NC)

I was no longer able to participate in IBR, however the other loan payments I make in a month total almost {$600.00}. I have had to put my loan in forbearance for the past two years as I can not afford to make those payments.
Consumer complaint received 2019-05-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Arbor Professional Solutions, Inc. (OH)

Ann Arbor Credit Bureau reported 4 accounts to my credit file that was given to them in error by XXXX. I had no idea about the accounts because I assumed XXXX billed both insurance companies which they failed to do. The only way that I knew is because this company reported the account to the credit bureaus. Ann Arbor Credit bureau never mailed me a letter until after the accounts were reported and I asked them for debt validation. I have attached what was sent to me which is clearly not validation as I requested. 
I contacted XXXX XXXX that confirmed that they contacted this agency to let them know that this debt was not valid ; this company was contacted on XX/XX/2019 and these accounts are still listed on my credit file. 
They never gave me validation as required by law but sent me copies of statements that was given to them by XXXX. Attached is a copy of the letter that was sent to me which is what they considered debt validation. I asked them to validate the debt as required by the fair debt collection practices act since they failed to do before they ruined my credit and my credit score.
Consumer complaint received 2023-04-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC (IL)

I keep receiving calls each week from XXXX XXXX XXXX XXXX stating " This is a call from a debt collector '' and asking me to call them back at a different number than called from. I do not have any debts to my knowledge. When I called back on XX/XX/23, they told me I had a debt from a doctor who I have never heard of, and that I do not know what they are talking about. They stated that they would send me something in the mail, at maximum 14 business days, and I have not received anything in the mail from them.
Consumer complaint received 2021-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Sterling Infosystems Inc. (CO)

I worked for a former employer, but have noticed they are running background checks on me and I have not worked there in over three years. The latest notification was XX/XX/2020. 

The employer was XXXX XXXX XXXX services. 

The background was pulled by Sterling XXXX XXXX I am worried about this as several employees had identity theft and other fraduent charges they were convicted of. I know this as I used to review the reports. 

I am worried someone in the organization is doing this and trying to use accounts or commit fraud on my accounts.
Consumer complaint received 2018-01-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (TX)

I currently have four debts showing in my XXXX Credit Report. All which have been addressed. I have called the creditors on them and the creditors have advised the following : Commonweath Financial Systems ( CFSI ) - Balance {$210.00} CFSI has advised that the account does not belong to me. That this is for an individual with the same name and same prior address which indicates that it may belong to a parent because we have the same name. They have advised that this has been reported to the credit bureau. I 've submitted multiple disputes to XXXX and this continues to be in my credit report. 

Commonweath Financial Systems ( CFSI ) - Balance {$330.00} Same as above XXXX XXXX XXXX - Balance {$190.00} I 've taken the same action as noted above with CFSI and concluded in the same with XXXX. Again I 've submitted multiple disputes and this continues to be in my credit report with XXXX. XXXX XXXX has also advised that they have reported to XXXX of the same. 

Commonweath Financial Systems ( CFSI ) - Balance {$330.00} Same as noted above for the previous two CFSI records.
Consumer complaint received 2020-07-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (TX)

I believe my ex may have been the person to open the account without my knowledge but I do not have any definitive proof ; just my suspicions. Those suspicions have been reported to the XXXX Police Department Cyber Crimes unit as I believe the account was opened online. The collection company contacted me in XXXX and stated there was a collection account in their office. At that time I advised the agent that is impossible as I haven't had T-Mobile phone service since I was employed with the company and expressly stated to the agent if there was an account that bore my name in collections in their office it needs to be investigated immediately for fraud because I have had service with XXXX for years now. The agent ended the call explaining that she would send it back to the company ( XXXX ) for proof or additional documents to be used to validate the account but it was not. However, it was placed on my credit report. After noticing collection on my credit report I immediately called the collection company ; not only could they not explain why this account was recorded on my credit report which is a direct violation of Fair Credit Reporting Act
Consumer complaint received 2018-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The loan was in deferment, not delinquent, with XXXX XXXX. Loan was sold to XXXX/Dept of Ed Student Loan Services. Then to XXXX/Dept of Ed Student Loan Service. XXXX, of each year, a deferment was applied for and awarded.
Consumer complaint received 2020-06-26
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: Mercedes Benz Financial Services (TX)

Returned my lease for XXXX  XXXX and got new lease from Mercedes a XXXX  XXXX. However, six months later I get a bill from Mercedes Benz stating my tires did not have proper thread and a scratch on my bumper etc. the bill was for XXXX, I negotiated the bill and was able to settle the tires for {$1100.00}. On my credit report for this lease it stares in comments that I negotiated out of my lease and show closed as of XXXX and negative in commentary and on my reports. This is not accurate and is offensive since I paid my lease off 100 % and was never late and I purchased a brand new lease the exact same day I turned in the XXXX lease which was in XX/XX/XXXX. My old lease that shows paid in settlement was from XX/XX/XXXX to XXXX XXXX have proof of tire settlement which had zero to do with paying my lease payment and Im attaching the negative information from my credit bureau