davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Starting XX/XX/XXXX through XX/XX/XXXX hackers broke into my Chase Business Checking account and began making online purchases and funds transfers. On Saturday, they tried to make charges on my debit cards. Chase Fraud alerts caught and stopped them. Later, they started transfers from Chase Quickpay from 4 of my 5 Chase accounts in small increments ranging from {$50.00} to {$1000.00} attempting to take out over {$6000.00}. I have filed a claim with Chase. My cards, phone and computer were in my posession the entire time.

I have filed a police report and a claim with the bank. My main complaint is about the lack of response of the bank and their failure to communicate internally to their staff or to customers about the risks. After going online, I see that thefts like this are very common. Yet, Chase delayed 2 days after notification to file a report, and did not train bank staff on how to handle these claims. They froze my accounts to protect the assets, but talked about sending a letter through the mail in several business days.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 seven 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 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Advanced Resolution Services Inc. (NY)

I am formally contesting the inclusion of certain accounts on my consumer credit report, as detailed below, stemming from either data breaches or fraudulent activities. FCRA Section 605B [ 15 U.S.C. 1681c-2 ] governs the deletion or blocking of accounts in such instances. Additionally, FCRA Section 604 [ 15 U.S.C. 1681b ] outlines the permissible purposes of consumer reports. 

I request concrete, verifiable proof bearing either my signature or electronic signature to validate the presence of these accounts. This communication represents my interests, and I urge a comprehensive review. The actions taken, unauthorized on my part, violate my consumer rights under the Fair Credit Reporting Act, Section 605B [ 15 U.S.C. 1681c-2 ], and Section 604 [ 15 U.S.C. 1681b ]. 

I have discovered that the entities responsible for these actions failed to provide proper validation or original documentation. The following personal information and collections are under dispute : Incorrect Name : XXXX XXXX ; XXXX, XXXXXXXX XXXX Incorrect DOB : XXXX Collections under challenge : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

I was scammed out of sending a wire transfer at my local XXXX branch on XX/XX/2022. This was for the amount of {$2800.00}. I don't recall if there was another transfer, as this was over a year ago. Now XXXX won't bank with me as a customer. After this took place, fraudulent checks appeared in my account and caused my accounts to close. In the process of closure, they received my payroll check and I STILL have not been able to receive it back.
Consumer complaint received 2024-01-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: KEYCORP (OH)

I was in a authorized push scam. they pretended to be someone my husband went to school with. and showed me her ID and everything. she asked for XXXX to help and double our money. this would only take 3-5 minutes. well needless to say they never gave me my XXXX because they had upgraded me to a higher amount. and that i had to pay for those tax fees this went on until my payment was XXXX dollars and they took XXXX from us. then they wanted me to buy gift cards and send them the cards numbers then they wanted me to set up a XXXX XXXX account so i did and they walked me through how to send money through that and then they wanted me to send money through XXXX. and then the XXXX  machine and i had no idea what a XXXX  machine was or where to find one at. then she gave me her administration ( XXXX XXXX ) who claim to be with XXXX and he had .multiple phone numbers there are also different wallet ids for the scammers also. I had a lawyer call me and told me if i gave them XXXX dollars they would give us XXXX .then the head of finance for XXXX  called me his name is XXXX XXXX. and tried to get money from us too. they took everything from us. I went to the bank and the bank told me that yes we were scammed but they couldnt give our money back because of the way it was pushed scammed from us. which is completely unfair to us. I do have a voicemail from the lady at the bank telling me that they found a solution to our problem and when i called her back she said that we are not getting our money back. then scammers told me they cant help me if i dont help myself!!!!
Consumer complaint received 2024-01-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC (CA)

XXXX XXXX by Flagstar Bank XXXX XXXX XXXX XXXX, Texas XXXX. Customer XXXX. Escrow analysis XXXX. Escrow Analysis date : XX/XX/year>. I'm surprise that they charge me XXXX, XXXX for home insurance. Escrow shortage XXXX. Escrow shortage balance XXXX. I tried to contact with them to resolve the issues but it's difficult to connect to the right person that can solve the issues. 

I had 2 home loans with them. XXXX is my home insurance and Flagstar confirm with XXXX. I was really surprise for the total escrow shortage of XXXX, XXXX. I paid both of my home insurance at XXXX. I tried to pay my bills on time. That's the reason my credit score usually above XXXX. Since I have a problem with this Escrow shortage for my home insurance policy issue.My credit score XXXX below but at least maintain above XXXX. I hope I will be able to get the home insurance money that the flagstar bank purchase for my house. What happened I end up paying 2 home insurance at the same time. That's a lot of money on my end to loose. Please help me to resolve this issues.
Consumer complaint received 2024-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TX)

Mohela was required to place student loan borrowers on administrative forbearance for XXXX, XXXX and XXXX, due to them failing to notify borrowers in adequate time of the payments starting after the COVID-19 payment pause. Mohela informed borrowers at the time that payments due during this time would count towards public service loan forgiveness. 

My XXXX and XXXX payments have shown up as " eligible '' payments for loan forgiveness. My XXXX payment is showing up as " ineligible '' for loan forgiveness. 

XXXX is my XXXX ( or last ) payment to be made for loan forgiveness. The fact that Mohela is showing my XXXX payment as ineligible is hindering my qualification for loan forgiveness. I submitted my XXXX paperwork with them on XX/XX/XXXX to update my payment counts and to reflect that I have met my end of the deal. I have worked for 10 years in public service. I have done my work. 

Mohela is passing the blame to the department of education and says that it is not on them to change the payment to " eligible. '' They say they can not expedite the process. They say that the process will be done by XX/XX/XXXX, but they can not tell me when I might be processed in that timeline. It could be tomorrow, it could be XX/XX/XXXX. This rationale makes literally no sense considering that XXXX and XXXX are marked as eligible. 

What they are telling me is that it takes them up to 60 business days to certify a form for loan forgiveness and that I can now resubmit my form for qualification. They do not acknowledge that this will affect the money the money that I should be refunded because XXXX will qualify for loan forgiveness. 

So ultimately they give me these choices. Bearing in mind that I have qualified for loan forgiveness at this point, I have worked for 10 years in public service. I can : A. Wait on them to process the form I submitted on XX/XX/XXXX and reject it as saying I have 119 payments. Even though XXXX qualifies and they acknowledge XXXX qualifies. 
B. I can resubmit my form now, having made a payment for XXXX and XXXX. Restarting my timeline for loan forgiveness while continuing to pay them ( since they won't pause payments until either you wait over an hour to speak to them or they process the form ). 
C. I can cross my fingers and hope that they decide my XXXX payment is eligible before they process my payment certification ( ECF ) form. 

None of these are fair to me. I have done my end of this bargain. XXXX qualified and my payments should reflect it as qualified. To make me continue to pay for my loans is absurd, to make me jump through these hoops is also absurd. This is unconscionable behavior.
Consumer complaint received 2024-01-22
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation (GA)

I asked about using the add-on product for XXXX  purposes. I was able to use that. I asked about the product that pays you for being XXXX  for a few days. I was told that I did not have the product. I was also told you only get {$500.00} for each claim, not per 3 days of XXXX. I was XXXX  for 13 days from XX/XX/XXXX, XXXX XX/XX/2023 and I feel that OneMain Financial dont want to honor my product I purchased. The company has not been honest about this product.
Consumer complaint received 2024-01-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (LA)

On Saturday XXXX XXXX XXXX. I was going over my bank statement for XXXX and noticed two unauthorized charges on my account from merchant XXXX XXXX  charge was XX/XX/XXXX for {$6000.00} and other another charge on XXXX XXXX XXXXor {$3100.00}. A total amount of {$9200.00}. I contacted Chime Bank to report a dispute for the unauthorized charge but was denied my dispute within a few hours without given temporary credit. I feel that my claim was an error and I would like to reopen my claim. 

Company : Chime Bank XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (CA)

I was offered a payoff amount to settle my debt in full. I was informed that I would receive a credit removal letter. GM Financial failed to pay a warrranty and an insurance amount when my car was totalled. Some procedural mistakes was made and I had to pay the full balance of the car when it was destroyed in an accident a XXXX XXXX XXXX. It was over XXXX. Now they have the nerve to report that I did not pay them.
Consumer complaint received 2024-01-14
Product: Credit reporting 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. (CA)

I opened up this account in XX/XX/2020, this was during the pandemic and as I had to make financial decisions as the prices of everything went drastically up. I tried to do my best contacted the company. Paid what was owed and they choose to close my account. 

Reporting to the credit bureau, XXXX XXXX is whom I have know them to be. However my credit report with all XXXX credit agencies list different names. 
Experian Credit Report : list XXXX XXXX XXXX Credit Report XXXX XXXX XXXX XXXX Credit Report XXXX The balance listed on all XXXX credit reports shows different dates. I am not understanding why they are still updating and reporting on an account that is paid and not report any updates on the other credit agencies. It seems it a smear to keep my credit score down.
Consumer complaint received 2024-01-14
Product: Credit reporting 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. (CA)

This is an account that I got delinquent on in XXXX XXXX The account was closed and the balance paid off. At this current moment I dont have any credit and most of the credit that I owed I paid off only to discover these paid accounts are hinder me from overcoming my current situation I am deal with for over 2 years homelessness with a XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PR)

In accordance with the Fair Credit Reporting Act, XXXX Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX has violated my rights. 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

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. 
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

as of XX/XX/24 the OAG child support and office of attorney general is unlawfuly reporting to my credit report as if I made a credit transaction I have not they are reporting account numbers that include XXXX, XXXX, and XXXX on my credit report.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

When I investigated my credit report, I realized that some of the information was erroneous.3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat theses reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$230.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance {$440.00} ; XXXX XXXXXXXX Balance : {$170.00}.
Consumer complaint received 2017-09-12
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: EQUIFAX, INC. (VA)

My personal information was compromised by the Equifax security breach and I was not timely notified in a timely manner to take the necessary precautions.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I recently received a copy of my 3 credit Bureaus report and I noticed inaccurate information posted on my consumer report. The following are inaccurate items listed in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX Balance Owed : {$460.00}, XXXX XXXX XXXX Balance Owed : {$4000.00}, XXXX XX/XX/2023
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$6900.00} ; XXXX  XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$5800.00} ; XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$7200.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX : {$3600.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$9500.00} ; XXXX XXXX XXXX Original creditor : XXXX XXXX ) XXXX Balance : {$2500.00}.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I value your help in removing a portion of the data in my credit file that came about because of FRAUD yet I have an ITEMS passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$2100.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1800.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Inquired on XXXX XXXX XXXX
Consumer complaint received 2020-05-10
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. (MS)

On XX/XX/XXXX I initiated a dispute with Equifax in an attempt to get erroneous information removed from my credit report. I sent the dispute, along with supporting documents ... .. which included the cover page from the credit file. I sent the dispute certified and got the the signed receipt. Yet, I got correspondence from Equifax stating that my credit report could not be found. How can my credit report not be found when I sent them the file number and the cover page? I feel like this is a stall tactic and all of these accounts should be removed from my credit report.