davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (MA)

I have been trying since XXXX to get Chase to write me a letter saying I did NOT have insufficient funds contrary to their notification. They have refused. I had asked XXXX XXXX the afternoon of XXXX XXXX to sell XXXX  bonds from my brokerage account and buy US Treasuries with the proceeds. I received a letter dated XXXX XXXX saying I had {$140000.00} in sufficient funds in my checking account, that the payment was rejected and that Chase could charge me an insufficient fund fee, notify credit agencies and close my account. 
I called to say there was no way that I could have had insufficient funds because the proceeds of a bond sale were to be used fund the Treasury buy. I asked for a letter saying that the notice was in error and their response basically was that they are not charging me a fee. They refused to send a letter correcting this notification. Along the way some agreed to send the letter, but then rescinded their promise. Saying they are not at this moment charging me a fee, notifying credit agencies etc. is not the same as saying I was not responsible or guilty of " insufficient '' funds and Chase should not have accused me of insuffcient funds
Consumer complaint received 2023-04-11
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: EQUIFAX, INC. (CA)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.
Consumer complaint received 2021-05-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc. (IA)

Gm Financial states lien release letter was sent XX/XX/21. It was never recieved. Ask for them to resend and they direct to a website to charge me {$23.00} for a replacement on a letter I have never recieved.
Consumer complaint received 2016-05-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

XXXX XXXX agreed to settle my debt for {$900.00}. I paid the {$900.00} as agreed upon. They are still reporting a balance of {$650.00} despite the fact that we agreed to {$900.00} which I have paid in full.
Consumer complaint received 2023-04-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (WA)

This loan from XXXX says I borrowed {$1400.00} online. Then i saw that it was 500 % interest, plus a finance fee. Now they say i owe over {$6500.00} in one month. I am getting collection calls. I did not sign up for this loan. They insist they can charge 500 %. 
I have told the collection people that I do not owe this money, but they keep calling me. 
I am on social security trying to get by. 
This is part of a bigger scam that I am fighting now. I was the victim of a couple of scams online ; A romance scam. Then I was threatened by the scammer who took over my computer remotely.I was told i had to pay upfront costs but I didn't know what they were talking about.I am now being told I signed up with them for a loan a month ago. 
I am reporting this along with other loans and credit cards to my bank and the police. 
In total, I was scammed XXXX from fraud. 
I am in the process of filing for bankruptcy now. 
Thank you. 
I just now received this email : to me Hello XXXX, This email is a confirmation that we have received your ACH revocation request with Lendumo. This request has been applied to your account as of XX/XX/2023. If you had a payment before or on this date, the ACH revocation will be applied on your next payment date. 
Please be advised that while payments will no longer be automatically taken from your bank account, they are due by their scheduled payment date. Your next payment is scheduled for XX/XX/2023 in the amount of {$530.00}. To avoid late fees, please call to schedule one-time transactions or mail in your payments. 
Please keep in mind mailing in payments may take 2-3 weeks to post and are only posted once they are received by our payment processing department. Our mailing address is listed below. 
If this modification was made in error or you have further questions, please contact customer service at XXXX.
Consumer complaint received 2022-10-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion sent me a letter stating that I used a credit repairing service to fix my credit. I did not use a credit repairing service to reach out. I XXXX was the one inquiring to remove the XXXX to fix the issue and not only that neither of the credit bureau left a note one my credit report that you are investigating the account which is a violation and you have 15days to reinvestigation and all 3 took 1-2 months to respond. I sent out a complaint and I gave you 30-45 days the first time the second time 30 days and my issues still hasn't been resolved. I have provided serveral proofs where all 3 were in violation and did not thoroughly complete the review. 

I am requesting to remove the XXXX  due to serveral inaccuracies throughout the time of making the complaint to fix the issue. 

As stated in the previous complaints I have the right to privacy, a Consumer reporting agency can not furnish my account without my written consent also account to the IRS a chargoff is considered an income and income shouldn't be reported per the Fair Crefit Reporting Act. 

My federal protected consumer rights have been violated time and time again by the 3 credit reporting agencies.
Consumer complaint received 2018-01-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

Coinbase Case ID : XXXX My XXXX BTC has been awaiting approval from the coinbase vault to the main wallet since XX/XX/17. Actually since XX/XX/XXXX but i cancelled and retried again.
Consumer complaint received 2023-01-08
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. (AL)

XXXXXXXX XXXX XXXX  have not reported that rental amount that I owed as paid on my credit report. This was paid by Alabama rental assistance. I have documentation to show as proof. This was paid in 2021 in two installments first amongst was {$1500.00} and the second amount for {$1900.00}
Consumer complaint received 2022-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (IL)

Hello, On Thursday XX/XX/22 I was scammed into sending {$50.00} to a scammer through XXXX thinking it was a legitimate person that would send me a concert ticket in exchange. 

Unfortunately the person took my money and never sent me anything back. When I tried to call the phone number it is disconnected. I called Chase Banking the same day to report the scam and file a complaint but they are unwilling to help me since I initiated the transaction. I'm not sure where else to turn so I'm looking for help from this agency to get Chase to help me recover the funds.
Consumer complaint received 2015-12-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CA)

Regarding Experian Public Record on my Credit Report, I filed a chapter XXXX bankruptcy XX/XX/XXXX ( more than 10 years ago ) I filed a chapter XXXX bankruptcy, dismissed in XX/XX/XXXX ( more than 8 years ago ) **They are both still on my Experian 's credit reports. 
See documents attached below. Thanks much : )
Consumer complaint received 2018-12-01
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (SC)

University of XXXX has been on my report since XX/XX/2011 thats 7 years and one month I would like for it to be DELETED IMMEDIATELY I have disputed this account recently and their response was that this account has been updated.
Consumer complaint received 2015-09-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (TX)

I have disputed this item with Experian through the mail and over the phone several times and the last time I spoke with the customer service representative, he told me that he was doing me a favor by opening up XXXX more investigation. I sent Experian documentation showing that I have never had a tax lien and sent them records that I have from the CA XXXX website showing my tax history for the last 7 years. I was told that I would have to have the state of california issue a withdrawal of lien before they would remove it which is utterly IMPOSSIBLE!! and I currently live in another state. The will not accept anymore documentation from me to prove my case with them, which I already did. I need help!
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Date Opened : XX/XX/04 Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XXXX Balance : {$270000.00}
Consumer complaint received 2023-05-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Upgrade, Inc. (GA)

My closing attorney provided me a check addressed to Upgrade to pay off debt - overpaying the debt by approximately {$2500.00}. The check was sent on XX/XX/2023. I contacted Upgrade on XX/XX/2023 to check the status of the account and was informed that they use a third-party payment processor and had no information on the status of account. I contacted them every day to check on the status and on XX/XX/2023, Upgrade indicated that the payment was received and a refund would be provided in 7-10 days going to my bank account. I contacted them on XX/XX/2023 and told that a refund was sent in XX/XX/2023 and I should wait until Monday  before calling back. I asked to confirm the bank account and was told it was sent to a bank I havent used in nearly two years. I spoke with XXXX team- who stated there was nothing he could do until it was bounced back but couldnt tell me when that might happen. I was not provided a timeframe for when they would resolve their mistake or when I could expect the funds they owe to me. I tried to escalate the issue but was informed by XXXX that there was nobody else that could address this issue. 
I do not know what else to do. I am retired and on a fixed income. These funds are needed.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, 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. (FL)

At this point you are not allowing me my legal access to the information on my personal credit profile as provided by the FAIR CREDIT REPORTING ACT. I am requesting to you to please release my personal credit report. I have included copies of official documentation confirming my drivers license, date of birth and social security number as required by you to verify my identification.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, 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. (WV)

Ive been having multiple issues with equifax. I was finally able to verify my identity and now they say I have no credit score. I need to attach my XXXX XXXX credit card account and XXXX credit card account to equifax so they can see I have credit. I just dont know how or who to contact
Consumer complaint received 2023-05-04
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: EQUIFAX, INC. (GA)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1700.00}.
Consumer complaint received 2022-08-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc (CA)

My bank is Chime. I paid a security deposit in the amount of {$2700.00} on XX/XX/XXXX for a rental property, but the individual I sent the money to is not the owner. I tried to dispute the transfer with Chime, or have the amount refunded, ( today, XX/XX/XXXX, ) but the bank is saying the transfer is not eligible for any of these things. I did NOT receive the goods I paid for ( a rental home. ). This payment was made fraudulently.
Consumer complaint received 2023-08-02
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: EQUIFAX, INC. (LA)

In accordance with the Fair Reporting Act and XXXX account # XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XX/XX/2020. 
15 U.S.C. 1681 section 602 A. states I have the right to privacy. 15U.S.C. 1681 section 604 A. Section 2 also states a consumer reporting agency can not furnish a account without written instructions. I DEMAND THAT ALL ITEMS BE REMOVED AFFECTIVE IMMEDIATELY! AS I HAVE PROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE ACCURACIES OF MY CREDIT REPORT DAMAGING MY LIFE.
Consumer complaint received 2023-05-02
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: EQUIFAX, INC. (WA)

I am requesting that this inaccurate account be removed from my credit report as it is not mine and is the result of fraudulent activity. I implore you to take appropriate action to rectify this situation.
Consumer complaint received 2023-05-03
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 have tried to remove several inquiries from my credit report with Equifax Online and all the time almost immediately receives a response about that info it is accurate and will keep in my credit report ( please see attached the last 5 responses from then ). 

Today XX/XX/2023 a few minutes ago, I spoke with an Equifax representative and spent a lot of time trying to explain my situation, that I have not authorized those inquiries and he refuse to do any about it. Then I asked him to speak with his supervisor ( called XXXX  ) and she refused to take care of it either, also told me that I have to call each company that has made inquiries in order to ask them to remove it. 

In case of XXXX, I have called since at least 3 years in order to get access to my credit report from there and make the disputes and they didn't took care about my situation either.
Consumer complaint received 2021-03-24
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2020 i was reviewing my credit report and seen some accounts that did not belong to me. One of those accounts was from Capital one auto finance account number XXXX i have never opened this account and have never authorized anyone to open it using my personal information. I contacted XXXX  and sent them my police report and identity theft victims complaint and affidavit signed by the XXXX XXXX Police department to support my request.
Consumer complaint received 2016-04-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CO)

XXXX XXXX has filed negative and/or derogatory claims on my credit. These claims do not belong to me. The claims are for approximately {$200.00}. 
I sent a letter to XXXX. XXXX on XXXX XXXX, 2016 disputing these claims.
Consumer complaint received 2016-12-12
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Attempted to temporarily lift a freeze at TransUnion using their website. Their website made it unclear as to whether or not the lift was a temporary or permanent lift. This resulted in an accidental permanent lift of the record freeze. TransUnion refuses to waive a {$10.00} fee to reinstate the freeze, despite the fact that their website makes it unduly difficult to monitor and control one 's credit file.
Consumer complaint received 2023-05-03
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)

On XX/XX/XXXX I purchased a Brand New XXXX Vehicle from XXXX  XXXX XXXX, my business with the dealership was finished and completed and I drove the car home, but XXXX month later on XX/XX/XXXX XXXX XXXX XXXX ran a Hard Pull Inquiry on my Credit Report Twice in one day WITHOUT MY PERMISSION, and because of it my Credit Score went down XXXX points causing me damages. I have asked Equifax Reporting Company to remove such unauthorized Fraudulent Inquiries from my Credit File but nothing, they completely disregard my claim. Their behavior is abusive and a clear VIOLATION of The Fair Credit Reporting Act, which specifically states Hard Inquiries can not occur without permission XXXX XXXX XXXX does not have my permission to run my credit six months after my purchase.
Consumer complaint received 2023-08-07
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. ()

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

XXXX XXXX Number : XXXX including Accounts XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX has violated my rights. 


XXXX XXXX Number : XXXX IN including Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 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 2023-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (TX)

This is a message from Amazon A refund was issued to your XXXX  on XX/XX/2023 for {$270.00}. 
This is another item bought and returned at the same time : You've already requested a return of this item Refund issued You don't need to return the item {$32.00} refund issued on XX/XX/2023. 

Chase credit bank is showing those 2 amounts as negative balance charging me for both and items has been returned and refunded by Amazon.
Consumer complaint received 2023-05-01
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: EQUIFAX, INC. (CA)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please see this account is removed from my account. It is fraudulent & is impacting my ability to gain credit. 


XXXX XXXX XXXX Date Opened XX/XX/2023 Balance {$320.00}
Consumer complaint received 2016-12-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (NJ)

I have mailed and called numerous times to Experian that XXXX XXXX NJ XXXX does not and never has belonged to me. I want this address removed for my credit report! I told them wherever they are getting this information it is incorrect. How can these credit agencies play the rule of XXXX and do what they want! Please help me get this address off my credit report. They are the only credit bureau reporting this incorrect address