davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/2023, the ability to determine what gets paid out of my account was taken away. I called Chase Bank on XX/XX/2023, and told them if there's no money in my account don't pay for the item. I was told that their computer makes that decision. I asked to speak to a supervisor and was put on hold when they returned, I was told that the computer makes that decision and it can't be changed, and nothing could be done about it. At the end of XXXX, my account was {$320.00} overdrawn. At the end of XXXX, XXXX I called again and no matter who I was transferred to I kept getting the same answer, the computer made that decision. At the end of XXXX, the cost was {$610.00} overdrawn, again, I was told that the computer made that decision. I have opened an account at another bank so I could start paying all my bills again. Every month my account was short of money at the start because of overdraft fees. It has cost me accounts ; it has affected my credit rating. It has put me behind on several bill payments, and accounts. I had to close accounts because I couldn't pay them because, at the beginning of the month, a large part of my check went to pay overdraft fees.
Consumer complaint received 2022-10-03
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. (MI)

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Based on, Base on, 15 U.S. Code 1666 ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor, because I am a victim of identity theft! Please remove these accounts as soon as possible! 

Based on. 

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of my information, the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt.

Its been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible! 



UNAUTHORIZED ADDRESSES : 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 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 2018-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I sent a certified letter each credit bureau challenging the bankruptcy as incomplete/inaccurate/false information on my credit report. The bureaus didn't complete an investigation or Mark the item as disputed, as required by the fair credit reporting act.
Consumer complaint received 2023-02-01
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. (IL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$220.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$200.00}
Consumer complaint received 2023-07-25
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: Winklevoss Exchange LLC (CA)

I purchased a course from a company called XXXX for {$8600.00} on XX/XX/2023. Shortly after I found out it was a fraudulent course, I cancelled it, and I called my credit card company Gemini immediately to dispute the charge. I received a letter from Gemini on XX/XX/2023 confirming the dispute and they would investigate the charge. The course was cancelled by WBtrading and I was not able to access the platform. On XX/XX/XXXX, I was notified from my credit card, Gemini, that they completed their investigation, and they determined that the dispute was unsuccessful. I emailed XXXX and they confirmed via email that they refunded the money to the credit card, Gemini, almost immediately. They advised me to pay again if I wanted to use the course. I am attaching the letters from the credit card company Gemini and emails from XXXX confirming the refund of the money to the credit card company. I am requesting the full refund of {$8600.00} plus any interest that the credit card Gemini charged during this time.
Consumer complaint received 2018-05-31
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. (OR)

I sent a certified letter each credit bureau challenging the bankruptcy as incomplete/inaccurate/false information on my credit report. The bureaus didn't complete an investigation or Mark the item as disputed, as required by the fair credit reporting act.
Consumer complaint received 2017-10-12
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)

According to my report this account from XXXX was previously removed from all 3 of my credit file. Now without knowing and knowledge this company has sold this account to another collection agency and is reporting on my file. This is a illegal act.
Consumer complaint received 2023-06-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

Two years ago, XX/XX/2021, I was victim to financial fraud for a sublease apartment that was a false advertisement/ scam. 

I applied for the apartment, as is common practice, giving them my personal information and also sent them four rent deposit payments through Chase BankXXXX for the sum of {$4800.00}. 

I was persuaded and sent the payment under false pretenses. Once the payments were sent, the apartment lender stopped contact and never fulfilled the apartment agreement. 

I contacted Chase Bank immediately to stop or intercept the payments, however, Chase said they would not be able to help me ( Claim Number : XXXX ). I also immediately contacted XXXX however they said I would need to contact my financial institution ( Chase ) to dispute the charges. No action was taken to help me and I was caught in the gap between the two financial services.

Because of the seriousness of the issue, I opened a case with the Police Department and reported it to the IC3 ( internet crime complaint center ) run by the FBI. The police department detective never resolved the case/ discovered who the perpetrator was, saying that because the bank facilitated the transaction, they should have the information on the perpetrator. However, the bank did not or said they could not disclose that information to me. 

At the time, due to covid, I did not have resources beyond this to investigate the issue. 

I looked up that while other money transfer options like XXXX are not FDIC-Insured, XXXX is directly affiliated with my bank and account. 

I am filing a claim with CFPB because I also looked up that under 12 CFR Part 1005 - Electronic Fund Transfers ( Regulation E ) by the Federal Reserve Board consumers should be protected from accidental transfers and forms of fraud when they use electronic fund and remittance transfers.
Consumer complaint received 2016-11-04
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (MI)

I defaulted on my loan and they tried cashing the check for the full amount after I had already paid part of my balance down and my bank will not cash it if the money is not there. I get hit with non sufficient funds fees every time losing XXXX dollars everytime. Making it harder for me to repay them back. I have XXXX loans out one at Check Smart and one at XXXX XXXX. I will never be able to pay them back if I continue to lose money for NSF fees on top of the ridiculous fee for taking the loans in the first place to repay back.
Consumer complaint received 2023-02-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I sent you a letter last XX/XX/2023 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.
Consumer complaint received 2022-08-25
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.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. The items found within my credit report that I listed on the following pages are 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 some accounts. All is being investigated by the FTC.
Consumer complaint received 2017-01-10
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Prosper Marketplace, Inc. (AZ)

XXXX XXXX, my legal husband, took out a loan with Prosper in my name and named my personal checking account for the payments without my permission. This was done in XXXX 2016. A police report was filed by me, XXXX ( XXXX ) XXXX, in addition to completing the fraud packet required by Prosper. A subpoena was issued by Detective XXXX XXXX, XXXX County Sheriffs Dept. for the loan documents and the investigation of XXXX XXXX is ongoing. Prosper continues to assess interest charges to this loan despite fraud being accused by myself AND the accusation an open investigation with the XXXX County Sheriffs Dept. in XXXX AZ. XXXX XXXX has advised Prosper that he has documentation and the entire case report and advised them how to get a copy of the report. Prosper has not responded to him. They recently notified me they have not found any evidence of fraud and are holding me responsible for the loan, despite this being an open investigation with my police department. XXXX XXXX in the Prosper fraud dept. refuses to contact me by phone despite the numerous phone messages I have left for her. I DESPERATELY need a third party to help me with this loan company. It is grossly unfair to continue to assess interest fees and late fees when an open fraud investigation is in process. I have asked in writing to Prosper to acknowledge my dispute of their determination that no fraud was committed. They have ignored this request of mine. Please let me know what agency can help me with this Loan Shark Loan company! 
**I HAVE SUBMITTED MY NAME AS THE BORROWER BECAUSE MY NAME IS ON THE LOAN. I AM NOT ADMITTING TO HAVING APPLIED FOR THIS LOAN. YOUR FORM DOES NOT ALLOW ME TO PUT XXXX XXXX NAME AS THE BORROWER AS I DO NOT HAVE HIS INFORMATION. 
XXXX XXXX, victim
Consumer complaint received 2023-08-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Exeter Finance, LLC. (TX)

I have made several requests for 2 weeks now for the vehicle to be picked up but they efuse! They keep calling me before XXXX XXXX when I have told them NOT to call me before that time as I am at work until that time! At this point they're intentionally calling me when I said I'm NOT available just to drag this out! Every time I call, a manager is NOT available and at this pont they're refusing to pick up the vehicle! It's causing me unnecessary stress, unscheduled interest and additional late charges! I have given them more than enough time to pick it up but they wont! I have told them that they need to relinquish all liens if they don't have it picked up by XXXX XXXX  XXXX on XX/XX/23. It needs a new engine as the timing chain has broken! The passenger seat is stuck and won't recline. It's not worth anything and I'm not paying on a vehicle I can't use. I tried surrendering it but they won't come get it!
Consumer complaint received 2022-08-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :
Consumer complaint received 2015-05-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

I am putting a complaint on Chexsystems cause I am having ongoing issues with them and they are not trying to correct the issue. In XXXX I had requested a copy of my chex systems file. I received a letter from them dated XXXX XXXX XXXX that my file was mixed with another file with similar information. The reason for this is because I have been a victim of identity theft. They requested for a copy of my social security number to correct the issue. I sent them in a copy of the letter and social security card front and back along with a police report that I had filed. They sent me a copy of my chex systems file at that point. After reviewing the file there are multiple inquiries on my Chexsystems file that were a result of the identity theft. The original police report i sent in dated XXXX/XXXX/XXXX I sent to chexsystems and now I am attaching to my complaint the new police report that I have filed dated XXXX/XXXX/XXXX. The list of inquiries on the report are extensive the only inquiry that should be reporting on my report is XXXX XXXX XXXX on XXXX/XXXX/XXXX I have not requested or authorized anyone to access my chexsystems since then. The rest of the inquiries are the result of the identity theft.
Consumer complaint received 2023-04-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

My mortgage was in an agreed eighteen month abeyance under the Covid program ( see attached letter ) Before it was due to expire I got in touch with Wells Fargo to commence repayment and to find out how the payments not made in the abeyance period were to be made good I got no clear answer with Wells Fargo suddenly talking about having to requalify for reinstating the mortgage and sending me documents about foreclosure and mortgage assistance, which I did not request. ( see enclosed ) Very alarmed at the turn this has taken which bears no connection with anything said or agreed at the start of during the process of abeyance. 

I called monthly to update Wells Fargo. I was expressly told that payments in abeyance could be tacked on to the end of the mortgage to pay at that time or if sold. 
Document 1 verifies that option.
Consumer complaint received 2018-05-31
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: WELLS FARGO & COMPANY (CA)

I was in the process of buying a house, everything was fine until we needed a credit report from XXXX. We did not have any issues from XXXX  or XXXX, only with XXXX. I have an account at Wells Fargo since XX/XX/XXXX. The people of XXXX said that they have not received any report about me from Wells Fargo in years, that the last one was with an address from Arizona where I lived from XX/XX/XXXX to XX/XX/XXXX. So, I called Wells Fargo bank about this issue and explained my problem to them telling that I was in a hurry, that I am in the middle of an escrow and that the only thing that we needed to move forward was to get that credit report from XXXX, and that the guys from XXXX needed the information about me from the Wells Fargo. The person at Wells Fargo checked and said that they have been always reporting to XXXX. I called back XXXX, and that was the main issue here, XXXX  and Wells Fargo have been blaming each other and the problem is not yet solved. 
My realtor and the guy from the financial services have been helping me and my wife with this. I added my wife to my credit card months ago, she is the co-borrower for the credit that we need to buy this house. The guy from the financial services discovered that the Wells Fargo had frozen my credit reporting, we were totally unaware of that fact. We called again Wells Fargo now about this issue, XXXX XXXX ( the  guy from the financial services ) was on the line, he proposed the conference call. We called Wells Fargo and he explained the situation, and we were put on hold, with the new person on the phone he had to explain everything again, I passed the phone to my wife and I told them that I authorized my wife to do on my behalf whatever that needs to be done. I had to leave because I have a job to attend. XXXX and my wife were about two hours on the conference call with Wells Fargo, being jumped from one person to another, waiting in between and having to explain all over again every time. The last person to who they have to talk was the one from the dispute department, it happens that they put a dispute about my data regarding the XXXX  case, all my information was frozen and that has caused a even further delay because the administrative process to unfrozen it takes several weeks. 
Now we lost that house, the seller can not wait any longer and now they are selling it to another buyer. This has caused us too much stress and we have lost a lot of time and also money, the direct expenses in which we lost money were for the inspection of the house ( {$370.00} ) and for the rapid rescore agreement ( {$240.00} ) with the XXXX XXXX XXXX. Other expenses were the fees for the rescheduling of our summer trip and the extra cost of our current rented apartment because the contract is over and we are in a monthly base arrangement.
Consumer complaint received 2017-01-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have sent TransUnion four certified letters asking them to verify that items being reported on my credit report be verified correctly under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). They have also failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 
They continue to respond that the items listed have been verified yet ignore my requests to provide copies of original documents with my signature on them.
Consumer complaint received 2023-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

This may or may not be the 6th or 7th time I've reached out to have this solution fixed, XXXX XXXX XXXX loan has ruined my life. I am suffering day in and day out because of the incompetence AND LACK OF RESPECT the bureaus have for the law to protect its consumers. they have been pinging me with late payments despite the promises made before to give me extensions due to financial hardship due to covid, I am once again a healthcare worker and this has made me quit my job due to mental health reasons and become suicidal because these bureaus have reposted the illegal and unlawful late payments to my credit report again, They are breaking laws their companies swore to uphold and infringing on my legal rights with impunity. 

BUREAS are reposting late payments that were removed beforehand in previous disputes that I proved right and contradictory on my report. illegally refurnishd them to my credit report, I've never seen such lack of respect for the law and cfpb.
Consumer complaint received 2017-01-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ERC (PA)

they have been calling me 2 -5 times a week I do not answer because I know what they what.I have told them that I am not working because of health problems & working to get Social Security XXXX for going on years. 
Now they have been calling XXXX year old. 
I know I owe money but right now I ca n't. 
I do n't know what to do.