davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TX)

If I could give 0 stars I would. I have spent hours after hours on the phone with chase customer service. Back in XXXX of this year I had my XXXX XXXX account hacked and someone proceeded to get an XXXX XXXX for a little over {$5000.00}!!!! Who would even spend money like that on a hotel??? Anyways I had read about other peoples experience with them getting they XXXX XXXX account hacked and they said what happens is they hack someones account and proceed to " book '' an XXXX XXXX but the place they book it with is their own so the money ends up getting sent to them. It has happened to thousands of people. Of course as soon as I saw that charge I called chase and had them shut off my card, they then said they would investigate and for me to also contact XXXX XXXX. I contacted XXXX XXXX and they said since it was fraud my bank would be the ones who would need to investigate and take care of the issue. Well a couple of days later I get a letter in the mail stating the purchase was correct and they wont be getting me my money back. I then called chase right away just to talk to several people who said they would re open the case. Well a couple of days later I try and use my chase card and it declines, CHASE CLOSED MY ACCOUNT. Im guessing they did this so they wouldn't have to give me my money back and just stop the investigation???? LIKE WHAT THE HECK??? I contacted my local police department and they took my written statement but said it would all end up on what my bank could do. Well considering they closed my account, wont return emails and anytime I call I get hung up on or told nothing. It has 8 months and I still haven't got a reasoning or explanation and 0 money back. I thought when you have a chase account you're protected from these things? GUESS NOT!! DO NOT BANK WITH CHASE. I have spoke with my lawyer and it to the point he's about to have to contact chase in order for something to be done about this. I have never had so many issues with a bank.
Consumer complaint received 2022-01-06
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. (OH)

I have submitted multiple disputes on my account to XXXX XXXX XXXX relating to the reporting of the account. The status shows as in repossession -- this vehicle was voluntarily surrendered in 2015 and has been reporting incorrectly for years. The last payment date is incorrect -- they are using the date the vehicle sold at auction and the proceeds were applied when that was not a voluntary payment. The last payment date reported on a credit report is to be the last voluntary payment. The account closed date is incorrect -- it should have been reported as closed on the date of voluntary surrender. The balance is incorrect -- they are continuing to report this account as if it is still open and payments are due. The payment history is incorrect -- it should no longer be showing monthly payments are due/past due as no monthly payments are due on the account -- it should have been charged off long ago. The balance is incorrect -- somehow it increased in the last month! I am going to take legal action if these items are not remediated.
Consumer complaint received 2024-02-28
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. (PA)

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form XXXXXXXX XXXX  XXXX. - Account NumberXXXX Please Update all payments, all pay was made on time. 

XXXX XXXX - Account Number:XXXX Please Update all payments, all pay was made on time.
Consumer complaint received 2017-10-03
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: CITIBANK, N.A. (CT)

on X/XX/17 I made a purchase online from XXXX for school clothes for my son which consisted of sweatshirts and athletic pants. I received the original order and was missing items. I contacted XXXX to report the missing items. I was told via ( online chat session ) that I would be refunded for the missing items. The items that I received did not fit my son ; therefore I sent them back via the prepaid return label that they sent me. I have contacted XXXX several times via phone and chat session and am told every time that " they will investigate ''. That is when I asked my credit card company CITI to help. I received a letter from them ( attached ) that they are unable to assist. I contacted XXXX again today with the same response after chatting with them for over 1/2 hour " they would look into it ''. I was charged {$220.00} for this merchandise, did not receive items and then returned the items that I received. I think it is very unfair that I should have to pay for items that I do not have. I am a single mom ; and this is very rough.
Consumer complaint received 2019-03-08
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. (IL)

First - Please remove the fraud alert on my credit report. I have asked this more than 3 times and it has not yet been done. My number is XXXX. 

These accounts below have the wrong balance. 

Open credit card accounts XXXX XXXX Reported XX/XX/2019 XXXX % Balance : {$290.00} / {$200.00} XXXX XXXX XXXX Reported XX/XX/2019 XXXX  % Balance : {$280.00} / {$300.00} XXXX XXXX XXXX Reported XX/XX/2019 XXXX  % Balance : {$170.00} / {$200.00} XXXX XXXX Reported XX/XX/2019 XXXX  % Balance : {$510.00} / {$1000.00}
Consumer complaint received 2020-06-23
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: EQUIFAX, INC. (FL)

I've sent multiple letters of dispute advising of unauthorized inquiries on my credit report. I have a fraud alert in place and none of the below inquiries were authorized by me and none are attached to any open account. I'm tired of sending information to dispute and wasting my time. If these aren't removed, my step will be the Federal Trade Commission and XXXX  XXXX  XXXX  These inquiries should be immediately deleted from my file : XXXX  XXXX/XXXX  XX/XX/XXXX XXXX XXXX/XXXX   XX/XX/XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX-XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX-XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2016-08-09
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

On or about XXXX XXXX I received a letter from Citi Cards Payment Investigations stating they could not identify my account requesting additional information. In that letter I was given a choice to either call the number on the back of my card or fill out the form they sent me and either fax or mail the completed form to Citi Cards - Payment Investigations XXXX XXXX XXXX, SD XXXX. I opted to call since that would be faster But when I called the customer service people that appeared to be friendly on the other end BUT did not seem to understand what to do and were not able to help me as it appeared they wanted me to make another payment. Customer service just told me what they thought I wanted to hear what ever that may be at the that time. So i mailed the form to the address by certified mail on XXXX/XXXX/2016 which was confirmed received on Friday XXXX/XXXX/2016. Since then I have called your customer service people almost daily for any type of updates to why my account was still not credited the {$400.00} that I sent Citi Cards on XXXX XXXX. 

Lets recap my position so that everyone is crystal clear : I Authorized and Scheduled a {$400.00} payment to Citi Card Using my credit unions Bill Pay ( A Free and secure and fast way to pay bills on line that I have been doing without any issue for over 10 Plus years with all my other bills like XXXX XXXX, XXXX XXXX XXXX, ETC .... ) ON XXXX/XXXX/16 ( Early ) for A bill ( Citi Cards ) That is not due until XXXX/XXXX/16 Bill Pay issued check # XXXX on XXXX XXXX for {$400.00}. on the check is my name, address and bottom left memo section states : NEW COSTCO CITI CARDS ACCOUNT # XXXX. Top left saids : POST TO ACCOUNT # XXXX. I followed all instructions like I do with every new account I add to Bill Pay and HAVE NEVER HAD ANY PROBLEMS. 
ON XXXX/XXXX/16 CHECK CLEARED MY BANK ACCOUNT. 
I get a letter from Citi Cards Investigations ( See enclosed ) Stating they could not identify my account! and sent me a copy Of the CHECK CITI CASHED, THAT CLEARED MY BANK, THAT CITI is EARNING INTEREST ON ( MINE AND THE THOUSANDS OF OTHERS ) While Citi Cards continues to CHARGE ME INTEREST, LATE FEES AND LATER COULD INCREASE MY INTEREST RATE, RUIN MY CREDIT HISTORY ETC, ETC ON ACCOUNT THEY SAY THEY CAN NOT FIND? BUT YET CITI CARDS WAS SMART ENOUGH TO KNOW WHERE TO SEND THAT LETTER, COPY OF THE CHECK AND EVERY TIME I CALLED CUSTOMER SERVICE THEY KNEW WHO I WAS BUT YET CITI CARDS COULD NOT IDENTIFY A CHECK THAT CLEARLY HAD MY ACCOUNT INFORMATION, NAME AND SO FORTH ON IT TO ISSUE ME PROPER CREDIT? 

Desired Resolution : TO BE MADE WHOLE. GET THE XXXX CREDIT TO MY ACCOUNT AND ANY AND ALL INTERESTED BACK DATED TO MY PAYMENT DATE OF XXXX/XXXX/16 ALONG WITH ANY FEES CREDITED TO MY ACCOUNT AND NO MORE ISSUES! PLUS XXXX MONEY FOR THE STRESS THIS HAS CAUSED ME AND MY FAMILY.
Consumer complaint received 2017-10-03
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: FIRST AMERICAN FINANCIAL CORPORATION (CA)

XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-10-06
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: WELLS FARGO & COMPANY (IL)

I'm XXXX XXXX, and I need your help in reaching this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. This is a serious matter, and I'm unhappy that it's now affecting my credit score. As it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They need to figure out who established the account in my name and give those details to them rather than me. Kindly help me in solving this.
Consumer complaint received 2018-06-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

After being affected by hurricane IrmaXX/XX/XXXX. Due to damage and repairs I had to make out of pocket. My mortgage company XXXX  helped me apply for a hardship and was working with me prior to the sell of my mortgage to another company. My point of contact at XXXX was XXXX XXXX XXXX. Spoke with her weekly and was assured everything was being done to help me keep my home.XX/XX/XXXX was notified my mortgage hardship was approved and they were waiting for finale numbers before sending me out my new contract to sign.

XX/XX/XXXXnotified my mortgage was being sold to Rushmore Loan Management and my modification would remain in affect.

Reach out to new company assigned to XXXX XXXX XXXX Notified her of my concerns and she acknowledged everything would continue as it was. Called weekly to stay on top of the situation only to receive a letter of denial in the mail and a offer to pursue a short sale.

Today after no return call from speaking with a supervisor on Monday Call and spoke to XXXX. Who informed me that supervisor XXXX XXXX   found the modification from previous Lender and waiting for supervisor to come out of a meeting to finalize modification.

I do not believe them so I wanted to put a complaint in place for some one else to help me keep on top of this.

Thank -You
Consumer complaint received 2020-11-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

I have received calls from these folks for 2 years I have blocked and ignored reported to the company they have the wrong number however they continue to call me. There has to be a stopping point even if I did had a debt what company calls a person everyday 3 to 4 times a day for 2 years? When this company calls they are leaving a message for a XXXX. That's not me I have explained that.
Consumer complaint received 2016-04-20
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: SIMM Associates, Inc. (AZ)

Simms Associates, a dubious debt collector, is making false statements claiming that I am not making direct payments on my student loan debt to the student loan company, XXXX. These statement ( s ) are adversely affecting my credit report. I have in fact continued to make monthly payments each and every month to XXXX without fail and furthermore XXXX has continued to receive and deposit these payments into their account.
Consumer complaint received 2021-07-11
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 — Was not notified of investigation status or results
Company: LEXISNEXIS (IL)

There is a chapter XXXX bankruptcy on my report that I have been requesting a method of verification for. I sent a few emails through their system and also a certified letter. I have not gotten anything back from the company and it has been over a month now. This is also about my third time requesting this information
Consumer complaint received 2019-03-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CONRAD CREDIT CORPORATION (CA)

My name is XXXX XXXX. Conrad Credit Corporation does not stop calling me. I have asked them in writing to stop yet they call me anyways. Its to my understanding that when you ask a debt collector to stop calling and to communicate in writing only that they are supposed to stopthey havent. I am very upset because they called me at work and I told them I cant take calls at work and I got into trouble by my employer whom I am up for review on a promotionthat does not look like its happening anymore thanks to the unwanted calls at work that got me into trouble. 

I have asked them to also provide information about the alleged debt yet they still call and they still are reporting negative information on my Credit Report. I understand they can not continue to attempt to collect ( or call ) yet they do this anyways. 

I dont know why I must spend so many countless hours trying to resolve this matter its causing me a lot of XXXX.
Consumer complaint received 2017-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

Why would I have to pay almost XXXX to freeze my family 's credit when the credit bureau lost my information? I did not ask them to keep a report and now I am supposed to pay to fix THEIR problem? 
Do I have to wait till my credit gets stolen? 
HELLO IS THERE ANYBODY THERE WITH SOME COMMON SENSE and RESPONSIBILITY? 
They make money on our back and when they XXXX up they charge us more?
Consumer complaint received 2017-10-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: APEX Asset Management, LLC (NC)

A Company called Apex Asset management is on my credit report trying to collect a debt of {$12.00}. I never heard of this company or do n't know what this is for or from. This is not me or my debt.
Consumer complaint received 2021-04-23
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)

A credit card from the XXXX XXXX XXXX went to a charge off and collection on a {$300.00} credit limit card in 2017. It was reported as a charge off on experian and transunion and closed. 2 years later I paid the XXXX XXXX XXXX  XXXX XXXX credit card {$360.00} on a XXXX limit Which ten charged me {$420.00} in late fees which is absurd and should be a crime. So I just didnt think that was ok after I already paid {$62.00} in late fees on top of original XXXX limit. I am XXXX and have XXXX XXXX and surgeries throughout this ordeal with neurological problems. The bank was very confusing and social worker couldnt even get in touch with collection agency because they changed twice. So numerous times I disputed this info with experian and transunion explaining I paid them {$360.00} the past year so instead of changing status of credit account on report They allowed a new collection agency consumer adjustments to add a new collection account to both my reports from 3 years ago on a closed charged off account. This is ridiculous Im trying to get my score up and as soon as it goes up a bit they allow a collection put in my report from 3 years ago that was paid not on original debt and original late charges but for and additional {$360.00} in late fees unbelievable Im XXXX on XXXX its hard for me to follow all these deceptive ways these companies work
Consumer complaint received 2022-02-28
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.