davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (TX)

Greetings! 

On XX/XX/XXXX I contacted Chase bank credit card services over an unrecognized charge that I wanted to dispute and cancel further charges. The charge was approximately {$42.00} from a company named XXXX XXXX. At that time I had no issues with them disputing the charge and telling me that there would be a block from all future purchases. I was not informed at that time that there were any potentialities for future charges from that company appearing. 

Today while paying my bill, I noticed a pending charge from XXXX XXXX. I contacted Chase and discovered that since my XX/XX/XXXX request to dispute the charges and prevent further charges, that 4 different transactions had occurred. The representatives did verify that I had contacted them in XX/XX/XXXX to place the block and were very unapologetic in letting me know that I should have been told that it may not be effective. 

I escalated the situation to an XXXX who refused to assist with 2 charges that had occurred after the block was requested in XX/XX/XXXX and she herself was even unable to contact the company via their listed support number or numbers found online. These charges were said to be too old. 

I have been a Chase customer for a very long time. I have 1 debit and 2 credit cards from chase and in all my years as a customer have never needed to dispute a charge or block any purchases. I am asking that chase please reimburse me for the 2 charges that should not have occurred that are 'too old ' to dispute in the amount of approximately {$84.00}. This situation has definitely hurt my perception of the company and I am very seriously considering alternative ways of banking in lieu of this situation 's outcome.
Consumer complaint received 2019-11-01
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions Inc. (NJ)

1. There were fraudulent charges made on this account 2. The contract related to this account has been cancelled Motion Remedy Claim for Damages In Re : Pub Res No. 10 Pub Law Ch. 48, 48 statute 112. Pub Law 73 10. HJR 192, 31 USC 3123, 5103, 5312, 18 USC 8, 12 USC 411, 28 USC 1746, 42 USC 408 a8 penalty.
Consumer complaint received 2024-02-22
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 am victim of ID Theft, while I was away at XXXX XXXX XXXX XXXX was broken into, all personal things were taken, ie : wallet, bank statement and tax information. I reported the issue to my XXXX  and campus police. i was advised to file a formal complaint. I pulled my credit report and noticed several items on my credit profile I did not authorized or applied for. I have contacted XXXX XXXX, Equifax, and XXXX several times. And have not helped me resolve the problem. I request the following account to be deleted. 

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 2019-11-01
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc. (KS)

A tow truck driver beat on my door so hard it broke and opened. I came to the door and he screamed wheres his car, I demanded he get off my property while I called police for him destroying my property. He sat outside in my driveway with police Type lights blaring close to midnight while all my neighbors had to work the next morning breaching the peace and I didnt even have the car he was searching for. When the police turned down my street he shut his lights off and drove away fast after sitting outside harassing me a single XXXX   women dir 30 minutes.
Consumer complaint received 2017-01-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I 'm writing to report an inconsistent, inaccurate and incredibly deceitful customer service practice relating to my mortgage account ( account number ending in XXXX ) with Bank of America. No address changes on any accounts should be made without documenting the conditions surrounding the address change.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AR)

All three credit bureaus, XXXX XXXX, Equifax and XXXX have failed to change XXXX account balance to XXXX. Pain in full. I have requested that XXXX send updated information to which they have refused. My loans were transferred to XXXX and now XXXX and XXXX are reporting a balance of XXXX a total of XXXX. I only owe XXXX.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (PA)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington , DC XXXX ref : Removed Accounts from Equifax Credit Report Dear Sir/Madam , I am writing to formally request your assistance in addressing an issue I have encountered with my Equifax credit report. Upon reviewing my most recent credit file, I noticed that several accounts and tradelines have been erroneously removed, which has adversely affected my credit score. These accounts have been managed responsibly and should be accurately reflected in my credit history. 

The details of the removed accounts are as follows : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX & Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXXXXXX XXXX XXXX Account Number : XXXX I have attached copies of my credit report dated XX/XX/XXXX prior to the removal of these accounts on for your reference. These documents clearly demonstrate the existence and good standing of the mentioned accounts and tradelines. 

The removal of these accounts from my Equifax credit file has not only inaccurately represented my creditworthiness but also unjustly lowered my credit score. This has potential ramifications for my future financial endeavors, including but not limited to obtaining loans, credit approvals, and favorable interest rates. 

Therefore, I respectfully request the Consumer Financial Protection Bureau to intervene on my behalf and facilitate the reinstatement of the aforementioned accounts and tradelines on my Equifax credit file. Your prompt attention to and resolution of this matter would be greatly appreciated. 

Should you require any additional information or documentation to assist with this request, please do not hesitate to contact me at XXXX or via email at XXXX. 

Thank you for your time and consideration. 

Sincerely,
Consumer complaint received 2019-11-01
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: EQUIFAX, INC. (NJ)

1. There were fraudulent charges made on this account 2. The contract related to this account has been cancelled Motion Remedy Claim for Damages In Re : Pub Res No. 10 Pub Law Ch. 48, 48 statute 112. Pub Law 73 10. HJR 192, 31 USC 3123, 5103, 5312, 18 USC 8, 12 USC 411, 28 USC 1746, 42 USC 408 a8 penalty.
Consumer complaint received 2019-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (TX)

Advertised 5 % for airlines and i have been receiving only 1 % for last 18 months, thats an estimated loss of close to {$5000.00} in points or XXXX points. I fly 3 times a week and when i finally saw this screen hidden deep within their website I came to realize they have been scamming me for last 18 months.
Consumer complaint received 2015-09-03
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My Bank of America checking account was subjected to multiple overdraft charges. This seems to have been caused by the Bank applying the transactions in a manner that maximized the number of transactions subject to an overdraft fee. In addition, while the default display of transactions shows the " statement balance '', the bank maintains a separate " account balance '' that apparently can trigger fees even when the statement balance is showing a positive balance. This seems misleading at best and deceitful at worst.
Consumer complaint received 2019-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Merchants Credit Corporation (WA)

I am not sure if this is a debt collection issue or the fact that the debt collector will not remove the account from my credit report. I had a debt with XXXX XXXX. XXXX turned over the debt to Merchants Credit. I paid on the account to Merchants until I could get no information on the debt from them. I then wrote a letter and began sending my money on the debt to XXXX and then to XXXX XXXX ( who bought out XXXX and its entities ). I continued to write to both Merchants, XXXX and XXXX. I never received any information from Merchants. I received a letter and a refund from XXXX saying I had no debt. I disputed on my Equifax credit report. Merchants Credit refused to remove the debt. The dispute from Equifax says to make this contact and also contact my State 's AG 's office. I attach copies of my letters and my response letter from XXXX XXXX. I have received no statements from Merchant 's on this account.
Consumer complaint received 2020-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

Dear Sir/Madam, In short, American Express " the big name '' in the financial sector, phone operators are trying to trick me into getting some money from my card and also blackmailing me to divulge my bank account details to them over the phone so then the operator can possibly take some advantage of that. Just so you understand, American Express already has my bank account details saved on my Amex account but still the operators want me to divulge my account number, routing number to them on a personal level. 

1 ) I spoke to a female manager 2-3 days ago about the {$31.00} credit sitting in my XXXX XXXX XXXX. I requested the manager NOT to send me a check but to put the money in my bank account, the bank account details are already set up in my American Express account. She said it would take take upto 3 days for the redeem to complete and then once the amount shows up in my card, she will wire the money in my bank account. I told her I am currently overseas and gave her my overseas mobile number and she said she will call me in my overseas phone number and confirm me on the wire. Never got a call back from her. Then a day later received a message saying there is not enough money in my card to be sent to my bank account. 

2 ) Called American Express today and the female representative says that email was sent before the amount showed up on my card. She then asks me to provide my bank account details and the routing number to her on the phone. I told her my bank account details are already set up in my Amex account. She said I still need to give her my bank account details on the phone for her to put the money in my bank account. She said she would not tell or give my bank details to anyone and that I can trust her. ( What she was saying, these kind of things normally come from scam calls we receive on our phones sometimes. ) She sounded very suspicious and strange. I hung up the call and call again. 

3 ) I ask for a manager directly and I was put to a male supervisor. The supervisor said the system is not letting him transfer the money to my bank account. He said he will speak to the first manager. 

4 ) Few hours later I again called Amex and this representative named ( XXXX, ID XXXX : From their XXXX, XXXX OFFICE ) put the call on hold for over 1hr and deliberately refrained from getting a manager on the call. 

2 hours on phone call with Amex and I could not get my {$31.00} transferred to my bank account. This is not what we expect from American Express. Exactly how much crap would I need to take to get this money sent to my bank account!?
Consumer complaint received 2022-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information is going everywhere. finally, the IRS team notified me of what's going on. I don't open most accounts and fraud activities, and I therefore request that it be removed from my credit report immediately.
Consumer complaint received 2019-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on XXXX & XXXX of 2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2018-06-06
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (FL)

Last year as the result of the XXXX hacking, someone tried to get a credit card through XXXX and Chase, I received a letter denying the cc which I am glad it happened since I have bad credit and I filed a complain through this agency ( see your files ). I got a response from Chase Bank informing me the problem had been addressed and it would not happen again. Guess what it is the same time this year and I got exactly the same letter denying the cc and the three common denominators are XXXX, Chase Bank and XXXX  ( same as last year ). 

I WANT THIS AGENCY NOT ONLY TO RELAY THIS COMPLAIN BUT TO GET INVOLVED AS WELL TO MAKE SURE THAT ME AND THOUSAND OTHERS DON'T HAVE TO GO THROUGH THIS IN THE FUTURE. 

THE GOVERNMENT ( YOUR AGENCY CHARTER ) IS TO PROTECT THE PUBLIC OF SITUATIONS SUCH AS THIS AND NOT TO TAKE THE FINANCIAL INSTITUTIONS ' WORD. 

I HOPE THIS TIME AROUND I GET MORE THAN JUST A COMPUTER PRINTED PROFORMA LETTER.
Consumer complaint received 2024-02-22
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. (AL)

Reviewed most recent credit report from ( insert credit name ) and I noticed inquiries that did not belong to me. After reaching out to the creditors, I was advised they did not have a record on file of me ever applying for credit with their company. The creditor advised me to contact the CRA to have the inquiry disputed and investigated as they do not have the ability to do so. 

After contacting the CRA I was meant with push-back even though I expressed the inquires in questions did not belong to me and the creditors agreed the inquiries are not attached to any file or application they have with my personal accurate information.

Per 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Consumer complaint received 2022-02-28
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TD BANK US HOLDING COMPANY (NY)

On XXXX XXXX I was notified of a delinquency with my TD Bank mortgage account via credit bureaus. I immediately contacted TD Bank and spoke to a costumer service representative who stated that my account was reported late because the payment I submitted on XXXX was insufficient due to an increase in Escrow. In all honesty I told them thats not considered a late payment being i paid on time.I proceeded to explain to the representative that I never received any correspondence informing me that my monthly payment or Escrow was increasing and that the application use to submit monthly payments doesnt specifically tell you what is the minimum monthly payment due but instead it gives the customer the option of inputting his/her desired amount of payment. My mortgage is usually {$2500.00} but i normally would send {$2600.00}. Furthermore the representative told me that if I made a payment of XXXX it would make up for the shortage of the mortgage Payment for XXXX and all she would have to do is reverse the transaction to show payment was satisfied for month of XXXX and it shouldnt be reported to credit bureaus. Ive reached out to Td Bank consumer credit dispute department via mail and just received their decision that they wouldnt remove the delinquency even though I explained to them that payment was and has never been late and I never received communication from them until the following month after delinquency was reported.
Consumer complaint received 2018-06-06
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

PLEASE BE ADVISED THAT I AM SUBMITTING A TOTAL OF ( 5 )  COMPLAINTS THAT ARE TOTALLY DIFFERENT, SO PLEASE READ THEM IN THEIR ENTIRETY. HOWEVER, IT'S IN ALL CAPS BECAUSE I WANT IT TO STAND OUT. THANKS! 

Experian has failed to respond to my dispute within the ( 30 ) day timeframe that's required by law according to FCRA 611 ( 15 U.S.C. 1681I ) ( a ) ( 1 ) ( A ). However, it's been approximately ( 161 ) days and no response yet. More so, Experian keep adding an ( 90 ) day fraud alert extension onto my credit report.
Consumer complaint received 2024-02-22
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. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-07-09
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: DISCOVER BANK (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2018-05-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

On XX/XX/XXXX I received an email from PayPal stating that there was an account transfer of funds going to a " XXXX XXXX '' @ XXXX. I did not authorize a transaction for that so I logged on to my PayPal account and disputed the charges. I also called my bank and did a stop payment for the amount that was to be charged - {$800.00}. PayPal then credited my account back the {$800.00} minus the {$2.00} transaction fee. However, in the interim they did not find that the charge was unauthorized so they tried pulling the {$800.00} back from my account. However, because of the stop payment, they weren't able to pull the money back so now my account is negative {$1600.00}. The money is still in my bank to put back in PayPal and I would like to do that, but I don't feel like that is right until they look further into the unauthorized charge. When you google the email address you can clearly see that it is an email from XXXX or XXXX.