davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IN)

I posted an item on XXXX XXXX. First time seller. In the first 1h of posting the item I received 4 messages. I replied to one and the 'buyer ' told me he would pay me asap and have his son pick up the item later in the day. He suggested XXXX. I said ok send me the money ( {$550.00} ) and I gave him my XXXX info ( email and phone number because I wasn't sure which one I had connected to my account ) and then he said he sent it and he wanted an screenshot of the email of confirmation. I found the email from " XXXX pay '' and it indicated that only a maximum of {$500.00} could be transfered so the money was pending. The email also said that the transaction couldn't be cancelled and that in order to continue with the transaction I had to create a XXXX Business account and the only way to do that was for the 'buyer ' to send me {$1000.00} and then I had to send {$450.00} back to the 'buyer ' so the transaction would process. The 'buyer ' was insisting and constantly texting me as to put pressure and make me believe that he trusted me by sending {$1000.00} and asking me whether or not he could trust me with the 'extra ' {$450.00} he was adding so the transaction could take place. I asked for his XXXX info and send the {$450.00} which was pending on my XXXX account connected to my Chase checking account. Then I proceeded to get a phone call which appeared on my cell phone as " Chase '' and I answered. The " representative '' told me he was calling because of a XXXX transaction that needed approval. He proceeded to confirm it was me by asking 3 security questions related to addresses I had lived in the past and places I had worked at. Then they sent me a code on a text which I had to give to him so he could verify my identity and proceed with the transaction. After that call, the XXXX transaction was delivered and so I informed the 'buyer ' that I did all that was required but then the 'buyer ' kept saying he still had issues with the money. I proceeded to get another email saying that a Government fee of {$1000.00} had to now be paid in order to get the money transaction to proceed. Unfortunately, it was only until that point that I realized all was a very elaborated scam. I called Chase bank and they said they couldn't do anything about it because it was a cash transfer. I called XXXX and they said that they are aware of many scams and they were sorry but there was close to nothing they could do about it. 
The other 3 people that also contacted me on XXXX XXXX were also scammers. They initiated the communication in the exact same manner offering to pay through XXXX. They never replied or left the chat after I asked for other ways to do the transaction or for the transaction to proceed in 2 payments.
Consumer complaint received 2022-10-24
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: Experian Information Solutions Inc. (IN)

I have a fraudulent account from XXXX XXXX on my report for over {$6000.00}, I have reported this to the police and have my police report but Experian will not accept it for some reason
Consumer complaint received 2022-05-13
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: WELLS FARGO & COMPANY (TX)

I co-signed with my son on a vehicle loan and the vehicle is in his possession and he makes the payments. On Monday XX/XX/XXXX, I received a credit report notification of a late payment on my Wells Fargo account for the months of XXXX and XX/XX/XXXX which needs to be corrected as I was not notified of a payment that was past due. I submitted a dispute in regards to the credit report of a late payment of 60 - 90 days because I was not made aware that the payment was late. Wells Fargo disputes this and claims I was notified by mail and phone. Wells Fargo changed the account address in XXXX of XXXX without my knowledge or approval and I did not receive account statements between XX/XX/XXXX through XX/XX/XXXX They claim the address change was received by the United Postal Service. I did not request this address change and I have not changed my residence address. On XX/XX/XXXX I payed the amount due and requested that Wells Fargo correct my address on the account. However they refuse to correct my credit report to reflect no late payments in XXXX although admitting they changed the address the statements were being mailed to.
Consumer complaint received 2020-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (MN)

I received my first bill from Chase in XX/XX/XXXX and I didn't recognize the charges. I called them and filed a dispute. I went through the process of disputing the charges and was denied. I explained that I had not even opened this card myself and that I was going through a divorce and I believed my ex opened the card and made the purchase. I learned a few weeks later that my ex opened 5 credit cards under my name. I had to call each credit card company and cancel them and filed a dispute. ONLY CHASE gave me a hard time. Every other credit card company filed a fraud case and cancelled the cared. However, CHASE kept sending me a bill plus late charges. For each month for an entire year and a half, I called Chase to dispute the bill and would go through the same process of filing the dispute. Each month when I called, the customer service rep would be very apologetic and assured me that the dispute would be respected and that this case would be closed. But, I continued to receive a new bill with new late charges and no explanation of what the initial bill was for. The initial bill was {$85.00}. Each month, the bill accumulated late charges -- and now today the bill exceeds {$400.00}. I kept calling each month asking Chase to break down the bill for me and tell me what the initial purchase was and how it got to this amount. I kept getting told that a manager would have to call me because even the customer service representative couldn't figure out the bill. Today is XX/XX/XXXX and I have yet to receive a call or explanation -- it's been over a year and a half. I am not responsible for the initial purchase nor this massive bill that has accumulated.
Consumer complaint received 2020-04-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Hollis Cobb Associates (GA)

Patient Account Bureau aka Hollis Cobb associates. 
The hospital sent my bill to this collector. I had set up a payment agreement with a third party. PAB took a payment of {$170.00} from my checking account ( which was agreed to prior to third party payment agreement ). 
I have tried unsuccessfully to have the {$170.00} refunded to me. Representatives of PAB agreed I was entitled to the refund and submitted a request of the refund 6 weeks ago. 
I have not received the refund and I am unable to speak to anyone at PAB that can assist me. A representative places me on hold to wait to speak to the person handling my account that is never able to speak to me. They take my name and phone number to call me back and I never receive a call back. 
Please help me in resolving this seemingly simple issue.
Consumer complaint received 2020-04-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC (CO)

I previously filed a complaint on this matter and the company, MRS BPO , LLC, agreed to withdraw further collection attempts on the incorrect billing. To my surprise, we received a new collection letter on this yesterday ( XX/XX/20 ) from MRS BPO , LLC in spite of the fact that they had agreed to cease collection attempts. This is a breach of their agreement and promise made in response to my original complaint.
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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. 

XXXX XXXX XXXX  has posted a auto loan dating 7 years back without my approval balance XXXX XX/XX/2015 date opened XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all of these companies have posted negative information on my credit report without my written instructions per FCRA please dispute this information with the furnishes as I have tried and failed on multiple occasions directly
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MS)

In accordance with the Fair Credit Reporting Act XXXX  Account Number ; XXXX XXXX {$0.00} XXXX - - XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} - - - XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

XXXX XXXXXXXX XXXX  XXXX XXXX XXXX  And XXXXXXXX XXXX are three credit accounts that should have Been removed from all my credit reports completely. I have reached settlements with XXXX XXXX and XXXX XXXX, paying them money in order to have these negative items removed. They did not follow suit, but instead are asking for more money. This is a big lie and should be considered fraud since they took my money. XXXX XXXX XXXX  even took my money then sold the account to XXXXXXXX XXXX to collect the same debt, if not more. I dont understand if we both reached an agreement. 

XXXX XXXX XXXX, was a company that went bankrupt. The debt is no longer mine. Im still having trouble removing it from all three credit reports.
Consumer complaint received 2022-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX Bank, XXXX XXXX Bank, And XXXX services are XXXX credit accounts that should have Been removed from all my credit reports completely. I have reached settlements with XXXX XXXX and XXXX XXXXXXXX, paying them money in order to have these negative items removed. They did not follow suit, but instead are asking for more money. This is a big lie and should be considered fraud since they took my money. XXXX XXXXXXXX bank even took my money then sold the account to XXXX XXXX to collect the same debt, if not more. I dont understand if we both reached an agreement. 

XXXX XXXX XXXX, was a company that went bankrupt. The debt is no longer mine. XXXX still having trouble removing it from all three credit reports.
Consumer complaint received 2020-04-15
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (VA)

I am attaching a document that has screen images and describes my three complaints. 

Complains 1 deals with an erroneous charge showed up on my account statement from Synchrony Bank this month. Syncrhony refuses to accept my request to dispute the charge. My only option according to their customer service representative is to report it as a fraudulent charge. I believe the charge is an error by Synchrony. I called Amazon.com and spoke with a customer service representative and they have no such transaction in their records. 

Complaint 2 deals with Syncrhony not providing on the statements a way to reference charges for Amazon purchases. They provide an erroneous transaction type of number that is not available in the Amazon system - at least to customers. Sometimes transactions/orders are split up and this can make it impossible to verify amounts. Indeed, had this type of system been available for this current dispute it would have provided a tool to try to understand what happened. 

Complaint 3 deals with the fact that Synchrony has its chat option activated but it is clearly unavailable. I understand this because of the pandemic, but what is unacceptable is that it still forces customers to go through a number of steps only to find this out.
Consumer complaint received 2022-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2022. I received a copy of my credit report and Found Several Fraud accounts, addresses, inquiries, and public records in my name. I was in XXXX During the time these items were added fraudulently to my credit report. I have never Filed Bankruptcy, lived at the addresses on my report or inquired of specific items. I asked XXXX, XXXX, AND TRANSUNION to investigate and to mail me the results for the items in question. I contacted all sourced reporting the Fraud information. Each company advised me to dispute with the credit bureaus. I was told by an XXXX Specialist to file the fraud accounts with FTC.gov I did and reached out to the courthouse I was told reported the Public record inaccurately. Then another investigation was done and it was reported by XXXX XXXX once I received a letter the courthouse does not report public records. The credit bureaus are violating the FCRA and not reporting correctly on purpose.
Consumer complaint received 2020-04-15
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. (NY)

I am writing to dispute and request that you re-investigate and correct inaccurate information that is contained on my credit report. 
This information is false and inaccurate. I value my good credit. This inaccuracy may impair my ability to obtain credit and may affect my ability to get another job. 
I demand that this inaccurate information be removed from my credit report and that you delete and suppress it immediately.Additionally, please send copies of answer to this request for re-investigation and the proper corporate name of any individual or corporation who reported this erroneous information on my credit report. 
If this final request does not prompt you to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, I will file a civil suit in [ name of your county, state ] for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. 
XXXX - XXXX XXXX  XXXX XXXX  - XXXX XXXX  XXXX XXXX  - XXXX XXXX - XXXX PLEASE DELETE THESE ACCOUNTS FROM MY CREDIT REPORT.
Consumer complaint received 2022-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

I asked the credit bureau to do a verification and investigation of the validity of this debt and they said they did however I am claiming inaccuracies and false reporting. In accordance with the Fair Credit Reporting Act the following companies have violated my rights. 

15 U.S.C 1681 Section 602 A. states a consumer reporting agency can not furnish an account without my written instructions - XXXX XXXX XXXX # XXXX - XXXX XXXX XXXX # XXXX
Consumer complaint received 2022-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I need clarification as to why you are reporting certain information on my credit report. Please review the following XXXX XXXX Opened XX/XX/XXXX Open balance {$150.00} High credit is lower than balance, delete for inaccurate reporting.
Consumer complaint received 2020-04-15
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. (MS)

Account previously in dispute, Company failed to resolve. According to the fair credit reporting act section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify through the physical verification of the original sign consumer contract and any and all accounts you post on the credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demanded to see verifiable proof and original consumers contract with my signature on it you have on file of the accounts listed below. XXXX failed to positively verify these accounts. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank and XXXX XXXX The unverified items listed Above remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and it is correct. In the results of your first and second investigation you stated in writing that you verified that these items are being Reported correctly? Who verified these accounts? You have not provided me any copies of any original documentation required on the section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under section 611 ( 5 ) ( A ) of the FCRA-you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and a remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious to consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I also believe that another credit file have been mixed with mine.
Consumer complaint received 2022-07-31
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Merchants Adjustment Service, Inc. (AL)

On XX/XX/2018, this account became delinquent for {$130.00} and was sent to the collection agency on XX/XX/2018. I advised them that " a family member has the same or similar name and asked them to remove this from my credit. They threatened me and told me " if I didn't pay this account they would send the account to the credit bureaus. ''
Consumer complaint received 2022-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-04-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

I have a collection agency named Pro-Collect in XXXX, that has posted a debt on my credit all three bureaus for an old apt complext XXXX XXXX XXXX XXXX XXXX. 

This debit is false, XXXX XXXX XXXX XXXX got mad because I wouldn't renew my lease after almost 3 years. After my lease was up, I did month to month for two months and then left. 

They even signed out the keys and all, then waited almost a year later with a {$1700.00}, claiming I didn't give notice. Even though I did before the lease was up and before I even did the month to month. 

They even kept my {$500.00} deposit and claimed the {$1700.00} is for two more months of rent, that I wasn't even living there. I had been gone almost a year. 

I moved out the last day of XXXX 2017 and they still charged me rent for XXXX and XXXX 2017. Even though I wasn't under a lease and had already been gone.
Consumer complaint received 2018-08-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (OH)

On XXXX of XX/XX/2018, I tried to transfer XXXX USD and XXXX USD to my brother, who lives in XXXX, to pay the medical bills of my mother. It was an urgent situation so I chose to send the money with XXXX XXXX ( www.transferwise.com ) Unfortunately, as soon as they received the money from my checking account, they deactivated my account. I have been trying to reach them and learn why they deactivated my account, why they did not transfer the money to my brother, why they have been holding my money instead of refunding it back to my checking account. To date, I have not got an answer. I have repeatedly called the customer service about the situation but all they have said to me is " we don't know ''. They don't give me a meaningful answer and they hang up the phone to my face. 

Currently, I don't have enough money to pay the medical bills of my mother. I need that money as soon as possible. They are refusing to answer me. They are refusing to refund my money. 

It is their job to transfer my money. If they are unable to transfer it, they should tell me the REASON and REFUND my money as soon as possible. 

I trusted them but they have been holding my money and not giving an answer and reason why they don't refund it back to my checking account. 

I need that money to pay the medical bill of my mother. I am a poor guy. I withdrew a loan from my 401K retirement account to pay the medical bill of my mother. 

What I have been through during the last week is unbelievable.