davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-19
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: U.S. BANCORP (MI)

Hello I am contacting you about several problems I am having with US bank. This dates back to XXXX of XXXX, I was contacted by a company by the name of XXXX XXXX. I had paid them {$15000.00} on my US bank credit card and {$5000.00} on an airline credit card, once I found out it was a scam I had contacted both banks immediately. 

The XXXX bank did a charge back at once. Unfortunately, US bank did not follow suit when I told them about the situation. 
I had shown them proof as requested, that the company had in fact scammed me and told them that they needed to do a charge back. Instead they kept refusing me and I was in the time frame of when disputing and getting my money back should have not been a problem. 

This kept on going on to XXXX of XXXX with nothing resolved. I even talked to XXXX XXXX who is a higher up in US bank and still nothing. They said I would have to pay it and left it at that. I told them that I was n't going to pay it because I had done what I needed to prove it was a scam and they should do the charge back. I also saw that others who had been scammed by this particular company, had no issues once they told their bank what was going on. This was from XXXX, and again my airline card did a charge back with no issues once I spoke with them. 

Later on I had discovered US bank made another account and joined it to the US XXXX XXXX I already had. They also put my account in bankruptcy with out my knowledge. I have tried a number of times to resolve this. Many calls into the bank and nothing to show for it besides frustration. I am contacting you in hopes that this can be resolved, thank you very much for your time.
Consumer complaint received 2023-04-07
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. (TX)

When I applied for a credit card I decided to check my credit report and I see a significant amount of unauthorized inquiry 's on my report. The following unauthorized inquiry 's are : XXXX XXXX XXXX. Which is not even connected to an open account.
Consumer complaint received 2021-02-02
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: JPMORGAN CHASE & CO. (MS)

I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is affecting my chances on establishing a great history with the current company. The name of the inquiry is JPMCB Card. The inquiry date is XXXX XXXX. The bureau reporting is XXXX. Thank you!
Consumer complaint received 2022-10-09
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. (MN)

In accordance with the fair credit Reporting Act XXXX XXXX  Account ending in XXXX : 15 USC 1681 Section 602, states I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681a Sect 2a ( i ) : report containing information solely as to transactions or experiences between the consumer and the person making the report ; a credit report is a consumer report. Per part ( I ), only transactions and/or experiences should be reported. Marks such as late payment/s and utilization rates are illegal per this law.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (NJ)

Bread Financial ( via Comenity Bank ) is issuer of my BJ 's Elite Mastercard. Since XX/XX/2022 company has failed to properly report my revolving balance to all credit agencies resulting in my credit utilization being higher than it actually this. This in turn has lowered my credit score for the past four ( 4 ) months. 

Currently the company is reporting XXXX XXXX of my account 's limit : {$1000.00}. My XXXX, XXXX, XXXX and current statements are {$0.00}. 

I have attempted numerous times to resolve this issue with customer service, but receiving no support except for the canned responses.
Consumer complaint received 2022-04-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Paypal Holdings, Inc (NY)

On XX/XX/XXXX at XXXX AM I added {$250.00} cash to my PayPal cash card at a Dollar Tree located at XXXX XXXX XXXX XXXX, NY ... Then I went to XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, NY, and made a purchase for the amount of {$180.00} at XXXX PM on XX/XX/XXXX. At XXXX PM while sitting at HOME I received a notification from PayPal stating that an ATM withdrawal for the amount of {$73.00} was removed from my card at BEST XXXX XXXX XXXX XXXX XXXX, NY XXXX I DID NOT MAKE THIS TRANSACTION!!!! 
NO ONE HAD MY AUTHORIZATION TO MAKE THIS TRANSACTION!!!!!!! 
MY CARD WAS STILL IN MY PURSE WHEN THIS TRANSACTION TRANSPIRED!!!!!!!!!! 

At XXXX PM I called PayPal to report this unauthorized transaction! I was told by my card is being canceled, and the transaction will be investigated. 
On XX/XX/XXXX I received a message from PayPal stating that my claim was denied. 
I then call back and was told, I need additional documentation to prove that I did not make the transaction. 
On XX/XX/XXXX I filed a police report. I contacted PayPal I spoke to a representative letting them know that I filed a police report. I was sent instructions on how to appeal the case in my personal inbox with PayPal. after following the instructions, I was still unable to appeal my case so I called in again!! I explained to him what the prior representative told me to do, and was told that I need not do anything he will take care of everything. 
On XX/XX/XXXX I received a notification from PayPal denying my claim again!!!! 
I called in AGAIN spoke to a representative that sent a link in my private message box to upload my police report and stated it will be used to appeal my case!!!!! I uploaded the XXXX XXXX XXXX Confirmation on XX/XX/XXXX. 
But XX/XX/XXXX I received a call from a PayPal representative stating that a police report will not be accepted as verification!!!!!!!!! 
I told her what was told to me by the prior representative, and to check the messenge box to see the message of the prior representative. She repeated that a police report is not sufficient, I sent me a message in the same message box which all the other representatives have sent me messages about my claim!!!!! 

After being with PayPal for eight years without any issues I am getting the runaround, without any type of HELP to SOLVE this FRAUDULENT PROBLEM!!!!!!!!!!!! 

I can provide documented proof of everything that I have stated in my complaint!!!! 

PLEASE HELP!!!!!!!!!!!!!!
Consumer complaint received 2021-02-02
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. (OH)

I received a copy of my credit report and noticed there was some information on my report that is inaccurate. I am in the process of buying a home and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that do not belong to me. The following account in dispute is listed below : XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX. My current address is XXXX XXXX XXXX XXXX XXXX, OH. XXXX. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC1681j ( a ) ( 6 ). I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.
Consumer complaint received 2021-05-04
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: LEXISNEXIS (GA)

I am becoming more and more frustrated. I understand that mistakes happen. Nevertheless after repeatedly communicating with you company that the information that your company has been reporting is inaccurate I would like to think that you all would act fast to resolve the issue. Especially since this is a violation of ( 15 USC 1692e ), which states that ( 2 ) the false representation of ( A ) the character, is illegal! This is also a violation of ( 15 USC 1692d ) 1. ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, REPUTATION, or property of any person. By reporting inaccurate items on my credit report you are tarnishing my reputation which I will not allow even if I have to seek litigation. Also this is clearly defamation of character!

Which I remind is you will not be difficult to prove in a court of law.

1. I can prove the information being reported is invalid 2. I can identify your company as being the one who made the false statement ( copy of your report is easy evidence ) 3. I also can prove that this was reckless and was a knowingly made action ( I have evidence that I have contacted you guys about the error and know actions have been taken ) 4.The statement was published ( once again my copy of your reports can be used as evidence for this ) 5. The false statement harmed me ( I have proof of the denial letters that have occurred because of your misleading information being provided on my credit report ).

Also let me remind you that the banking system relies on the accuracy and fairness of credit reporting! According to FAIR CREDIT REPORTING ACT 15 USC 1681!

In case you did not know Civil Liability ( REMEDY ) ( 15 USC 1692k ) states that I can receive compensation for each violation!

So please resolve this ASAP or I will seek litigation!
Consumer complaint received 2024-05-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (AZ)

Today is XX/XX/XXXX On XX/XX/XXXX I paid from my US Bank checking account {$170.00}, statement attached. Last week I added all my month XXXXXXXX XXXX XXXX. payment & I overpaid XXXX {$170.00} from the beginning XX/XX/XXXX. 
I filed XXXX XXXX complaint against the AGENT, XXXX XXXX XXXX of Granite XXXX XXXX  and XXXX then both removed my XX/XX/XXXX {$170.00} first month car insurance payment thus STEALING {$170.00} from me, proof attached. 
INSURANCE FRAUD AND THEFT. I want my money {$170.00} from XX/XX/XXXX. My US Bank account I closed last year XXXX.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NC)

Im contacting because information that shows up my report is not my doing and are outdated and i need them removed for that fact alone! So disrespectful to have no knowledge of these reports.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NC)

XXXX contacting because information that shows up my report is not my doing and are outdated and i need them removed for that fact alone! So disrespectful to have no knowledge of these reports.
Consumer complaint received 2018-10-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Tate and Kirlin Assoc (TN)

Received correspondence from Tate & Kirlin Associates to collect a debt for XXXX. 
I informed XXXX to terminate the services because the security service never worked because of the internet connection. Previously I made several calls to XXXX requesting the service be repaired or terminated because of bad services. I wasn't in a contract when I requested the services be terminated. This debt was previously with XXXX XXXX XXXX. I also informed them I didn't owe the debt.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Im contacting because information that shows up my report is not my doing and are outdated and i need them removed for that fact alone! So disrespectful to have no knowledge of these reports.
Consumer complaint received 2023-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (MD)

XX/XX/2020 XXXX stated returning payments to my credit card without any explanation or warning to me. Many payments were returned and totaled a little more than {$30000.00} after much back and forth dialogue I was told my only option was to pay the {$30000.00} in full. They closed the account, impacted my credit score, did not treat me as a valued customer and placed a financial burden on me.
Consumer complaint received 2021-02-10
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Reverse Mortgage Solutions, Inc. (WA)

Hello, This could also be under XXXX exploitation during a healthcare crisis. My dad signed on with Reverse Mortgage Services in the fall of 2014 right after his son died in the home on hospice and his wife died a year prior in the home on hospice as well. After my younger brother died in the home my dad also began to have symptoms and later that fall discovered he had XXXX XXXX He began XXXX that summer into fall. Somewhere inbetween his diagnosis and his XXXX XXXX began phone calls in the area and my dad was confused from XXXX and beginning signs of XXXX and lonely. He felt the salesman was like a friend. I didn't get involved until it was too late. My dad was stubborn but his confusion was evident and he also contracted another XXXX after beating the XXXX XXXX. His second XXXX was XXXX. He got much worse. I stepped in and came over when I could. I covinced him to do a durable with me and so I began to look into his many financial problems. XXXX was sent my durable POA which was drafted by an attorney. They refused to speak with me and charge my dad fees. I was working in the medical field and trying to also get my dad on VA benefits. My job was jepordized numerous times due to the stress and all the faxing and paperwork trying to stay on top of things. I hired a caregiver to live with my dad but still not having any luck with fees. I paid taxes and set up insurance on the home. I found out that they had hit my dad numerous times with insurance fees because they did't bother to verify the insurance was still in effect. Many threatening letters came but no information as to why. Then I decided to buy the house. At closing they slapped a {$1000.00} fee for an appraisal which I did not order. Plus another {$3500.00} estimated by the closing department. My loan was approved for $ XXXX less than the additional anticipated closing charges they slapped on my dad and I was never sent anything in detail until up to closing which is tomorrow. I still don't know what the other fees are for and why they were taking advantage of my dad like this. I sold my land in Idaho which I lost money on to buy my dad 's house so he could continue to live there. These people are predators who took advantage of a sick and desparate old XXXX war vet and they should be held accountable. Please Help!
Consumer complaint received 2021-02-02
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Veripro Solutions Inc. (WI)

This company has been attempting to collect on this debt for nearly 11 years now. I had a 2nd Mortgage with XXXX XXXX XXXX, which became XXXX XXXX. This company apparently collects for them. They have been continually sending correspondence offering settlement amounts, below what the full balance is, with incredibly short deadlines, like 2-3 weeks. When you call with " cash in hand '' to try and take advantage of the last offer, they always advise, that the offer was no longer good and say you have to pay the full amount of {$7800.00}. But in one of the calls, they learned that my home is nearly paid off and as a result have not been willing to take any sort of settlement. They allegedly sent a letter in XX/XX/XXXX, advising they were now going to be charging interest, going back to the time they obtained they loan I never received such correspondence ). In XX/XX/2020, we received an offer letter for {$1500.00} ish off the full amount of the loan of {$7800.00}. MY wife and i decided to try and take advantage of this and started to refinance our mortgage, so we could do this. The load was not completed in time, due to questions on lien holders on the house. Long story short, when I contacted Verirpo in XX/XX/XXXX, to ask for a payoff letter, I was expecting to get on showing the {$7800.00}, but instead they sent a pay off amount of {$13000.00}. Once again, when I am able to give them a payment, based on a letter they sent with an offer, they moved the marker again. I feel they are not acting in good faith to settle/collect on this debt in an ethical manner, as they keep changing the amount they want every time I have called over the years to pay them. They have never sent any notification of any other amount owed other than {$7800.00}, until I ask for a payoff, to change my mortgage.
Consumer complaint received 2021-05-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (IN)

I've been trying to recover coinbase crypto currency for months sending multiple emails and constantly trying to reach someone in there help department. All email from their support have been unless and no one has contacted me about recovering my account or with any expectations on where my money went. I am missing hundreds of not thousands of dollars and no one will return an email. I provided transaction ID # to coinbase from my banks information and yet it's been over six months and I still have not received any emails telling me how to recover my account.
Consumer complaint received 2022-04-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (MA)

I have just today received the attached letter today dated XXXX stating that Chase has validated selling my home on XXXX XXXX, XXXX without any mention that this fake account has many illegal issues including XXXX XXXX involvement their Own Account Number as shown on my credit reports dating way far back is # XXXX. This is not only an Unvalid foreclosure sale but also a fraudulent attempt to steal my home of 33 yrs. Also there has never been a mention of my putting down near XXXX in XXXX of XXXX as well as payments based on Estimates which in themselves are illegal. In XXXX of XXXX my document expert proved within her 183 5B Affidavit to not only be photocopied but also forged Both Mortgage And Promissory Note documents. There are many different versions of both of these fake documents within the CFPB files of my complaints. This 1099-A is just another situation of tax evasion of an illegal sale. I the homeowner am not the profiteer but JP Morgan Chase Bank and whomever claims to own my home. I have not as yet received anything in the usps mail telling me of this sale or transfer of my home title which again is all fraud. This 1099-A is TAX EVASION by Chase. I will once again be contacting the IRS in regards of this criminal act!! as I did in XXXX when the last 1099-A was illegally stated and Rescinded!!! XXXX XXXX will also be receiving a problem with this illegal attempt XXXX time to sell my home with photocopied forged documents. THIS IS FULL BLOWN CONSPIRACY FOR PROFIT IN MY BELIEFS AND EVIDENCES WITHIN CHASE/XXXX XXXX CRIMINAL ACTS AGAINST ME. I am XXXX yrs old, XXXX, indigent with only a high school education being targetted by this insanely criminal maniac for profit by trying to illegally steal my home. This fake account was removed from my credit report on XXXX which is no more due to fraud!! please see attached credit report page showing XXXX XXXX and date of account removal. It was removed before this illegal foreclosure sale in XXXX of XXXX!!
Consumer complaint received 2020-11-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX  and Transunion monitor my credit. At the start of 2020 my credit score was XXXX. Over the year it has steadily dropped down to XXXX. Why? I called XXXX and they want me to pay {$15.00} to receive a detailed review. I am not paying XXXX  anything. I am trying to buy property so this issue is imperative now. There's an issue of {$290.00} decrease in credit for which I have no knowledge. I opened two credit cards this year and after THEIR mistakes, I closed both accounts. Apparently closing a credit penalizes the consumer. WHY? My money, my choice, no penalty should be involved especially when no reason for cancelling the account is due to credit company errors. There is NO REASON my score should be steadily dropping. I have no outstanding loans, my house is paid in full and I have NO BALANCE DUE on the one credit card I have, although XXXX has me listed as having two credit cards, and have no idea what they're talking about. I do not like nor want any credit cards because I refuse to pay interest, but keep one open for emergencies, just applied for one and was DENIED. Where do these credit bureau obtain their information and WHY? It seems these bureaus are XXXX and the consumer is left in XXXX on their word. It also appears there is no where to dispute them.
Consumer complaint received 2023-04-06
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: CORELOGIC INC (MO)

XX/XX/XXXX XXXX and XXXX of XXXX I've received Activity on my credit report with trenching in that was not alterized. I don't know who is Credco/Credco and never had any affiliation with this company.