davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

I am a XXXX XXXX XXXX Musician who travels the world and depends on reliable and trustworthy banking to operate my life and business. 

On Friday, XX/XX/XXXX I received a phone call from someone claiming to be the " Chase Bank Fraud Department. '' They said that there were fraudulent charges on my debit card and that my online banking had been hacked. They proceeded to provide me with my social security number, driver 's license number, and other details only my bank would know. They did this to gain my confidence and in fact, they even played Chase Bank music on the phone. They put me on hold to " issue me a new debit card. '' During the call, they asked me to verify PIN numbers sent through text messages to my phone. 

The following day I learned that someone had tried to execute 6 wire transfers to themselves from my account to theirs, without my permission. 5 of the transfers were rejected by Chase Bank. The 6th one went through for {$13000.00}. I have no idea why the 6th one went through. Why would Chasee neglect 5 transfers but then allow the 6th to the same destination? 

I did not authorize these transfers and I am the only person with access to my bank accounts. I have never before sent a wire transfer from my personal checking account. I do not know the person the money was transferred to. But I have their information, listed below, from the wire confirmation. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Florida XXXX Phone Number : XXXX Bank : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Routing Number : XXXX Account Number : XXXX Chase has been totally unhelpful thus far, implying that the whole event was my fault, even though they flagged the transaction 5 times before they approved it. If it was fraudulent the first 5 times, what made it a legitimate transaction on the 6th try? Not to mention that fraudster wasn't investigated by Chase. I suspect they hacked my chase account to get the information that they had to verify with me. 

XXXX
Consumer complaint received 2022-07-19
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. (PA)

MY NAME IS XXXX XXXX XXXX, AND I AM WRITING ON MY OWN BEHALF IN REGARD TO THE FOLLOWING INFORMATION ON MY FILE THE ITEMS I NEED DELETED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT AND DID NOT AUTHORIZE ANY OF THE FOLLOWING CHARGES/INQUIRIES ON MY FILE. I REPORTED THE THEFT TO THE FEDERAL TRADE COMMISSION AND I HAVE ENCLOSED COPIES OF THE FTC IDENTITY THEFT AFFIDAVIT. I AM REQUESTING THAT THE FOLLOWING ITEMS ON THIS REPORT BE DELETED IMMEDIATELY.
Consumer complaint received 2022-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRUIST FINANCIAL CORPORATION (GA)

I have contacted Suntrust/ Truist Bank to update the comments in my account that states that I am participating in a credit counseling program. Creditors are denying me credit due to this comment. I have reached out to back in XX/XX/2021 and XX/XX/2021 to Suntrust/Truist by phone twice and by mail and to no avail. I have even spoke with the credit bureaus to update and no success. I had my loan modified back in XXXX after my son died as a XXXX and I underwent hardship in my family life. Please help!
Consumer complaint received 2019-05-20
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: AMERICAN EXPRESS COMPANY (GA)

I am the victim of identity theft another credit file has merged with mine please remove the fraudulent information as soon as possible!! There is an American Express card reported with a {$5000.00} balance that does not belong to me.At XXXX ... I have worked extremely hard to be debt free Please remove this social security number of a Male ... XXXX XXXX, As it's crossed paths and merged with mine, a female named XXXX XXXX, with a totally different credit file and social security number as being reported .. It's a shame that this type of thing goes on. At XXXX, once again I work hard to maintain my credit report having as little as possible, even if that affects me negatively please return my report to the original status before the social security number XXXX was cross with my file ... This is not my social security # ..
Consumer complaint received 2022-01-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MI)

On XX/XX/XXXX Fed Loan Servicing transferred my Student Loan to a nw loan service provider ; consequently, they did so the day before my ACH pmt was set to debit my account. I have called Fed Loan as they deducted the money and never applied the XX/XX/XXXX pmt to my account balance prior to transfer. Pmt amount was {$140.00}, balance was {$23000.00} according to XXXX statement and credit reporting. XXXX the new service provider now has my account set up with a 27 past due delinquent status ; furthermore, will be taking a double pmt on XX/XX/XXXX. Fed loan had advised my money can sit in a pending transfer account for 60 days. I need fed loan to update the XXXX balance to reflect the pmt. {$23000.00} less {$140.00} XX/XX/XXXX pmt. I also would like interest daily for the error they should have foreseen.
Consumer complaint received 2024-01-23
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. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission.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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-07-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Gatestone & Co. International Inc. (NY)

Gatestone company has been trying to collect a debt on behalf of XXXX XXXX. They call at least 9 times a day. 4-5 times on my home phone and 4-5 times on my cell phone. They call before XXXX  XXXX  and after XXXX   XXXX. They call on weekends and holidays. They called at XXXX  XXXX  on XXXX XXXX XXXX. I have asked them to stop  calling me, that I have disputed the amount of the debt, that I worked it out with XXXX and am on a payment plan and they do not stop calling. The last person to call was XXXX XXXX. She refused to listen to me in any way. The men who call are abusive and shout at me. As soon as I block one number, they call from another number. This is so abusive. This needs to stop.
Consumer complaint received 2024-01-23
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. (TX)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. Remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
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
Consumer complaint received 2022-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO. (PA)

On XX/XX/2021, I logged into my Chase Credit Card account and when I was presented with my multi-factor auth screen, there was a phone number ending in digits that are not mine, and of a phone number that is not on my account. I called Chase at XXXX Eastern , and I was told that it was probably added by the Chase technical team who sometimes needs to do this for testing, and that it would be removed but to give it a few hours. This is deeply concerning to me, especially with how pervasive SIM swapping has become. 

I am reaching out to them again as it has not yet been resolved. 

In an industry with multiple regulatory standards such as banking, I am trying to understand how someone on the backend team as described by customer support could possibly have entitlements in their systems that allow multi-factor auth to be updated with phone numbers not added or requested by the customer. There is no way to know how pervasive it is, but it certainly raises questions about internal best practices and is deeply concerning to me as a consumer.
Consumer complaint received 2021-04-07
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. (OH)

I previously submitted a dispute regarding XXXX XXXX that was deleted and then reinserted. Please remove this account from my credit report. My correct name is XXXX XXXX : Please delete these incorrect variations of my name : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX My current address is : XXXX XXXX XXXX XXXX, XXXX, OH XXXX. Please remove these addresses I have never lived at or may belong to a relative : XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX CT, XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX OH XXXX, XXXX XXXX XXXX, XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX
Consumer complaint received 2023-06-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: URS Holding, LLC (TX)

AllTran called me on XX/XX/XXXX and refused to provide debt information. They attempted to call me again on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX at times I could not answer the phone. Five days have passed since initial contact and I have not received a notice or information about my debt yet. This is a violation of federal law.
Consumer complaint received 2021-06-22
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: DISCOVER BANK (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2022-08-09
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. (FL)

This is the fourth time I have contacted your company and you have still failed to delete the disputed accounts your company could not verify. After this letter, be advised that I intend to pursue litigation for the damages your company has brought to me and my family. Based off the fact that your company has yet to forward any documents to me, show me any proof, and the fact that its already been 5 months so you have CLEARLY violated Section 611 ( 5 ) ( A ) and continue to show your blatant disregard for Federal Law. The Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. Thats all your company has been doing the past couple of months and it is against the law and clearly in violation of 1681 ( a ) ( 4 ). I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law! The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. Just remember when we go to litigation and your company is required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. So once again, please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I request that you do this immediately, which I am sure you are already aware of.

You failed to verify & validate all data for the following accounts, please remove IMMEDIATELY : Account Name : XXXX XXXX Account Number : XXXX ; Account Name : XXXX XXXX XXXX Account Number : XXXX ; and Account Name : XXXX XXXX, Account Number : XXXX Reason : pls verify and validate all data for this account, every notation, dates, and balances, whether reported or not and I would like to be provided proof the method for which you are verifying as well as the exact details that match because without exact matches this account must be removed immediately as per FCRA. On top of it, this is a collection account, and the collector needs to prove that this debt can survive collection, that they own this debt and the extent to which they can collect this debt and that all their details match the original creditor. Without it, must be removed.
Consumer complaint received 2019-03-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Ashton & Weinberg, Inc. (PA)

A year ago I dealt with a scammer that got me to open a bank account and then proceeded to try to commit fraud using my account. My account was locked and I notified the bank of the fraud but was told that I would have to wait for them to contact me. I started getting calls from a woman named XXXX XXXX who claimed that she was from the fraud prevention department of XXXX. I finally got the call from her instead of it going to voicemail on XX/XX/XXXX. She claimed that if I didn't pay them {$500.00} that they would press criminal charges and I would go to jail. So I ended up paying them using my rent money because I didn't want to go to jail for being duped by a stranger. Come to find out they were actually from a debt collection agency called Ashton and Weinburg Inc and not who they claimed at all.
Consumer complaint received 2022-08-09
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. (FL)

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

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. 


Hard inquiry XXXX XXXX hard inquiry XXXX XXXX HARD INQUIRY XXXX XXXX XXXX  XXXX HARD INQUIRY XXXX XXXX HARD INQUIRY XXXX  XXXX Account XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-12
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. (GA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2022-01-17
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: U.S. BANCORP (NY)

I had a 39 month vehicle lease with USBank from XXXX with a monthly payment of {$1500.00} which INCLUDED Taxes. ( NOT UP FRONT ) I then extended lease for an additional 6 months. I was advised that if additional taxes were due, they would be added to the payment. I told USBank that the original lease agreement included the finances and Tax included to equal {$1500.00}. That being said I did not believe that additional taxes would be applicable. Nevertheless USBank added {$130.00} to my current lease payment now totaling {$1700.00}. 
I contacted US Bank and they told me that I was obliged to pay the additional monthly tax of {$130.00} for the 6 month lease extension. Since they advised me this was a possibility I had no recourse. I then went to the original dealership finance officer and they agreed that US bank was charging me Double TAX, tax on the tax that was already included in the original payments. I was told by the dealership that US Bank was illegally taxing me on a payment that already included tax for the original lease agreement. US Bank still refused to change my monthly payment and Im reaching out to see CFPB because I feel that they are wrong and I SHOULD NOT BE CHARGED the additional {$130.00} a month but have paid to remain current. 
After the dealership and I exhausted our appeals I am reaching out to CFPB to please help me.
Consumer complaint received 2019-05-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

XXXX XXXX - XXXX - is reporting and attempting to collect a debt I already paid! I already settled this debt over a year ago to the previous creditor. 
Also I never got a notice from you, I just saw it on my credit! You did not give me a 30 day right to dispute notice so that I could let you know that this was paid already.
Consumer complaint received 2024-01-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION (LA)

In XX/XX/2023 I submitted the paperwork required of me to Navy Federal to lower my APR on all credit cards and loans to 6 % per Louisiana State Law because I am active duty military serving in Louisiana. ( Louisiana Statute 29:312 ) I should receive back pay on all interest paid over 6 % from the date I got stationed in Louisiana on top of the 6 % interest cap. 
In XX/XX/2023 they approved the SCRA request but said it would be a few weeks before I got back pay or a change in APR. 
in XX/XX/2023 I called their SCRA department and they assured me that my request was still approved but they didnt know when it would be fixed. It is now XXXX.
Consumer complaint received 2020-04-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (CA)

In the past a few years. I was charged on average XXXX-XXXX  dollars a mouth for Overdraft fee. I ran a XXXX XXXX, and need the daily sales come in to cover the daily cost. And often my balance run low where overdraft will happen overnight. 

The Order of Sequence for the Debit and Credit transactions : Chase ALWAYS DEBIT the ACH charges first before CREDIT the income on my account. Which I have will always been charged overdraft fee though I have positive balances in the morning. 

Paid {$34.00} fee for a overdraft transaction of a few dollar or less : if Chase paid a big transaction I currently don't have the money for, I may still consider it helpful. However, Chase always returned the bigger payments which I needed when balance was low. and choose to pay the small little transactions often cost me multiple overdrafts in one days.
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I called Experian they told me they are not able to assist me I would need to handle any dispute myself, I explained I tried with no success, here is the problem with my credit. 
I have two inquires on my credit that I did not authorize, I tried calling both companies to dispute without success, the 1st company is XXXX XXXX XXXX XXXX. XXXX unable to get anyone on the phone to assist. The 2nd company is XXXX XXXX XXXX XXXX they were unable to find anything under my name and number but did not give out my social security number.
Consumer complaint received 2022-08-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RMS-Recovery Management Services, Inc. (IA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.