davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (GA)

Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via debit card and through an intermediary named XXXX in the total amount of XXXX USD utilizing jp morgan chase services
Consumer complaint received 2020-11-21
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. (MA)

Good Saturday everyone and the management team ; I'm shocked that this account is still reporting on my credit report as it's still reporting incomplete and unverifiable information. If this account " was '' indeed verified or investigated, why is it still reporting 2 different dates of last active ( XXXX : XX/XX/XXXX ; and Equifax : XX/XX/XXXX ). It's impossible to have those variations between the credit reporting agencies and also, why are their inconsistencies with the payment history. For example, it show 's that the payment was marked " OK '' up to XX/XX/XXXX than all of a sudden on XX/XX/XXXX, it shows that it went into charge off status. Account status and payment history is incorrect just to name a few - It should say late 30/60/90/120/150/180 days late then charge off - Correct? It's imperative under the FCRA guidelines that the creditor or furnisher report accurate information. There are so many inconsistencies, incorrect, and incomplete information that makes this account unverifiable. This is in violation and it can not be reported. Please delete this account immediately from my credit report.
Consumer complaint received 2021-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (IL)

I opened up bank account with US Bank in approximately XX/XX/2020. The opening deposit was approximately $ XXXX. Over a few weeks, several thousands of my own cash was deposited. 

The account was closed due to high risk and questionable activity. In approx XX/XX/2020, I was scammed by several people, in which they requested goods and XXXX 'd me money. The goods were provided and they disputed the transaction with the excuse that my business was either fraudulent or that their XXXX account was hacked. 

To be clear, the " goods '' received were not illegal. No goods are shipped or released without proof of a completed status shown in the XXXX screenshot. We match the confirmation number in the screenshot with the confirmation number or our end. I have copies of every transaction along with screenshots proving they requested the goods and what specifically the " goods '' were. However, US Bank never requested copies of these documents. No fair investigation was preformed. They just froze the account for several months, refunded disputed XXXX to customers, and eventually closed the account. At the time of closing, after all refunded XXXX I had over {$34000.00}. No funds have been released and it's going on 6 months.
Consumer complaint received 2022-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I paid {$580.00} to pay off a credit card ending in XXXX. I already had a tremendous number of problems with this bank regarding fraud on previous accounts of which they mishandled and acted like XXXX. I can't even begin to explain or get into it. I literally spent months of time trying to rectify and make sense of the situation. Bottom line here is this ...... I paid {$580.00} ... ... ..4 yes four times {$580.00} to this piece of XXXX bank. I want proof they credited me back 3, yes 3 times because I only owed 1 time this piece of XXXX bank their money. All the smoke screens and fraud and cancelled accounts and all the XXXX in the world won't make me lose my focus. I called 100 plus times and tried to straighten this out to no avail. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have mulitple credit cards with Capital One. I reached out about getting some negative remarks removed. I was told to write a letter detailing what went wrong and why I missed my payments which were when I was XXXX overseas which I can provide my military orders. I was told later on through phone call that remarks would be adjusted but when I checked they changed the wrong dates and didn't fix what needed to be.
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: SUNRISE CREDIT SERVICES, INC (TX)

This company contacted me in regards to a balance owed to XXXX XXXX XXXX  I expressed that I never had any business with this company and demanded that I see a contract with my signature on it, they refused and instead sent a bill. This account does not belong to me as I stated several times.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX
Consumer complaint received 2022-04-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Pingora Holdings, LP (CA)

Received a letter from a company claiming to be from Pingora Loan Servicing , LLC. The letter stated that when I applied for my mortgage there was a breach in security. I was stupid enough to access their URL to ask for the credit monitoring. Immediately after I signed up for the credit monitoring service, someone from XXXX XXXX XXXX asked me to submit a copy of the letter that was sent to me. I didn't think twice about communicating with the individual. I, unfortunately, did provide my SSN, birthdate and address. I've written out to XXXX XXXX Firm to inquire if XXXX XXXX XXXX does work for their law firm and is the lead for the Pingora Loan Servicing lawsuit.
Consumer complaint received 2020-11-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Good Saturday everyone and the management team ; I'm shocked that this account is still reporting on my credit report as it's still reporting incomplete and unverifiable information. If this account " was '' indeed verified or investigated, why is it still reporting 2 different dates of last active ( Transunion : XX/XX/XXXX ; and XXXX : XX/XX/XXXX ). It's impossible to have those variations between the credit reporting agencies and also, why are their inconsistencies with the payment history. For example, it show 's that the payment was marked " OK '' up to XX/XX/XXXX than all of a sudden on XX/XX/XXXX, it shows that it went into charge off status. Account status and payment history is incorrect just to name a few - It should say late 30/60/90/120/150/180 days late then charge off - Correct? It's imperative under the FCRA guidelines that the creditor or furnisher report accurate information. There are so many inconsistencies, incorrect, and incomplete information that makes this account unverifiable. This is in violation and it can not be reported. Please delete this account immediately from my credit report.
Consumer complaint received 2021-02-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I was part of a class action lawsuit against XXXX XXXX and I was awarded a letter that my student loans were cancelled per case XXXX XX/XX/2020 I have opened several disputes with Experian and I am not getting any feed back and they are not looking at the order I sent over a copy of this for them Then I reached out to XXXX, and they refused to give me a good physical address to send over a coy of the court order the representative I was speaking to was XXXX XXXX XXXX XXXX XXXX XXXX A representative will be with you shortly. 
XXXX XXXX.XXXX XXXX is joining the chat. 
XXXX XXXX XXXX XXXX.Hi, my name is XXXX from XXXX, how may I be any of assistance for you today please? 
XXXX XXXX XXXX XXXXHello XXXX XXXX XXXX.are you a real person or A.I.? 
XXXX XXXX XXXX XXXXI am a real person, how may I help you today please? 
XXXX XXXX XXXX XXXXok I have a case number XXXX that discharges all of my student loans as of XX/XX/2020 I am looking for a good address and email address to send over a copy of the court discharge because this is still showing up on my credit report XXXX XXXX XXXX XXXXOkay, before I can assist you with any request, I do have to ask for a good contact telephone number for your account please. 
XXXX XXXX XXXX XXXX XXXX XXXXwhat is a good email address to send over a copy of my discharge XXXX XXXX XXXX XXXXThank you, I will need to ask you to help contact you more efficiently, may XXXX and its subsidiaries, affiliates and agents contact you at this number using an auto dialer or pre-recorded messages regarding your current or future accounts? 
XXXX XXXX XXXX XXXXthere is no reason for future contaxct all myloans have been discharged XXXX XXXXI need a good email address and good physical address XXXX XXXX XXXX XXXXI apologize, but I do need a clear yes or no to contact your cell phone number please. 
XXXX XXXX XXXX XXXXsure yes XXXX XXXX XXXX XXXXTo help contact you more efficiently, may XXXX and its subsidiaries, affiliates and agents send text messages to you at this number using an auto dialer regarding your current or future accounts? 
XXXX XXXX XXXX XXXXnow what is a good email address and a good physical address XXXX XXXXthats ok I will have my attorney contact you and screen shot this conversation of you avoiding my questions XXXX XXXX XXXX XXXXThank you, unfortunately, I can not assist you in this chat with any questions about your loans. You will need to call the charged off department at XXXX. Do you have any other questions today?
Consumer complaint received 2017-12-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (TX)

Sent money through WesternUnion on XX/XX/XXXX details as follows : Payment Checking ending in XXXX XXXX XXXX XXXX XXXX ending in XXXX Money available : 4-5 business days Summary Transfer amount XXXX USD Transfer fee + XXXX USD Total XXXX USD Exchange rate XXXX USD = XXXX NGN Total to receiver XXXX NGN The money was sent to my bank account in XXXX XXXX in XXXX and its to be credited to my account in 4-5 business days. To date the fund is not credited to my account. I have talked to WesternUnion Representatives on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX. The only answer I get is that they have emailed XXXX XXXX and that we have to wait. The case number is XXXX. 

The fund is for my family members in XXXX for XXXX. Please help! 

XXXX, XXXX XXXX
Consumer complaint received 2022-11-16
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: Experian Information Solutions Inc. (NJ)

Recently I have noticed some incorrect information on my credit report. I have reached out to Experian, XXXX, and XXXX for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.
Consumer complaint received 2021-02-09
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. (FL)

XXXX XXXX REPORTING 30 DAY LATE ON ACCOUNT THAT ONLY CHANGED STATUS, FROM DEFERMENT TO FOREBEARANCE, INACCURATE ACCOUNT STATUS. LOAN WAS NOT 30DAYS LATE. ACCOUNT STATUS CHANGED. I FILLED OUT MULTIPLE FORMS, MADE SEVERAL PHONE CALLS, INFORMATION IS STILL REPORTING INCORRECTLY.
Consumer complaint received 2021-07-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (NY)

A host of individual actions were taken against me the consumer causing injury. Certified mail was received by XXXX XXXX of JPMORGAN CHASE & Co on XX/XX/XXXX with an Affidavit signed and notarized with raised seal. See attachment for copy of green return receipt. 

Pursuant to 15 U.S. Code 1692b any symbol or any contents of any communication effected by the mails that indicate that the debt collector is in the debt collection business is an individual act against me, the consumer ; Pursuant to 15 U.S. Code 1692c ( c ) once a debt collector is in receipt of my notice which I arranged to be sent by certified mailing on XX/XX/2020, no further communication about an alleged debt shall occur except for section ( c ) 1,2 and 3 ; Under 15 U.S. Code 1692d ( 1 ) this individual action impacts my reputation and continues to have a negative impact due to unvalidated reporting to XXXX XXXX and XXXX. I asked for all the consumer reporting agencies to remove this from my consumer file as well. 

15 U.S. Code 1692g I was supposed to get written notice within five days containing 5 parts ; I received 2 of the 5 items ; under the same subchapter if I, the consumer notifies a debt collector of a request to get the name and address of the original creditor, the debt collector shall cease collection of the alleged debt. 

Pursuant to 2 15 U.S. Code 1692e ( 2 ) ( A ) to render a document monthly with an amount of an alleged debt is an individual action that is false and misleading to myself, the consumer ; Pursuant to 15 U.S. Code 1692h all payments I have made with a debt collector should not have been applied and instead all back pay can and according to congress shall apply such payment in accordance to me, the consumers directions and I have requested that XXXX USD under the payment terms that a check is to be sent by mail. This is a reflect of all tender made since account inception in XXXX 

Pursuant to 15 U.S. Code 1692j any contract presented without the consumers name as original creditor I am in observation of a deceptive form.
Consumer complaint received 2022-04-02
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. (NY)

I n accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # 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 2022-10-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC. (PA)

XXXX XXXX XXXX was financed through XXXX Consumer on XX/XX/XXXX. Repossession as of XX/XX/XXXX. Charge Off as of XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX.
Consumer complaint received 2022-04-02
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

I received my consumer report in XXXX of XXXX and noticed inaccurate and falsified information reported by the company, Account XXXX XXXX XXXX, ARS. As a result, on XX/XX/XXXX, I informed the company by mail that the information being report was incorrect, with no avail. I reached out multiple times after XX/XX/XXXX, on the following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2022-04-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # 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 2021-07-12
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: HUNTINGTON NATIONAL BANK, THE (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 2020-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Since XX/XX/2019 I have written letters to Experian Information Solutions Inc. regarding the fact that they are reporting old information regarding me including old addresses and phone numbers, and several incorrect spelling of my name. 

The correct spelling of my name is : XXXX XXXX XXXX The only address that should appear is : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX The only telephone number that should appear is : XXXX Place of Employment : N/A
Consumer complaint received 2021-02-09
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: Conn's, Inc. (NC)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, 2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX add a hard inquiry on my credit report per XXXX 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2022-11-16
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. (TX)

I sent a letter on XX/XX/2022, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again.,
Consumer complaint received 2021-03-05
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. (SC)

Hello, I sent off my first set of letters but I havent gotten a response yet from the credit bureau its been mored then 30-45 days. Im very concerned! I got my 2nd set of letters in the mail today XX/XX/2021. Can you please let me know whats going. All 3 credit bureaus haven't sent me no updates its been past time.