davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-09
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: JPMORGAN CHASE & CO. (TX)

I purchased an item online at XXXX XXXX on XX/XX/XXXX. The item was a gaming PC that costed {$1700.00}. I checked the tracking number one day and it was marked as delivered, but I did not receive it. I called XXXX XXXX  about it looking for them to resolve it and they did not help. They told me it was out of their hands. The item was signed by someone that I do not know and I told them that. They also told me it was delivered to the house 4 houses down on the street that I live. And I do not live 4 houses down my street. They still refused to help me. I called my bank Chase to help. 3 months later on XX/XX/XXXX, I was told that my dispute was denied and that my bank can not help me.
Consumer complaint received 2017-11-08
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. (TX)

I have sent multiple credit disputes to XXXX XXXX, Equifax, and XXXX regarding my credit report. I was a victim of identity theft in 2012 when my License and my social was stolen. I have 3 inaccurate debts on my credit that I have never heard of or signed for. 

XXXX XXXX {$990.00} XXXX- {$2100.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX- {$530.00}
Consumer complaint received 2022-08-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TRUIST FINANCIAL CORPORATION (TN)

We filed a fraud case in 2018, for two checks that were stolen from the post office. The amounts were altered from {$420.00} and {$690.00} to {$5000.00} each. The thieves presented the checks to two other banks. A total of {$10000.00} was taken from the church account and to this day we have not been made whole. The thieves have pleaded guilty and been sentenced, according to the Justice Department. We have gone to the bank, a number of times. They continue to tell us to call fraud support. This has been a never ending nightmare. The fraud department has not helped us at all. We have called and emailed. We end up talking with a different person, who tells us someone will contact us. We are at a lost for words and our money.
Consumer complaint received 2022-12-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

XXXX XXXX  ac # } XXXX { Reason for Dispute } THIS ACCOUNT IS NOT MINE. I HAVE NEVER SIGNED APPLICATION OR OBTAINED Credit This has been Removed before and now it's been added Again. they keep trying to collect this from me and its not mine
Consumer complaint received 2020-08-07
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. (AZ)

I have sent a dispute to Equifax twice. Once on XX/XX/2020 and another on XX/XX/2020. Both disputes were sent by certified mail and marked as recieved through tracking. I called Eqifax today XX/XX/2020 to follow up on not receiving feedback from my disputes. They say they havnt received my disputes. I confirmed the mailing address that I sent my certified dispute letters and the agent said that address was correct.
Consumer complaint received 2022-08-02
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. (PA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX Balance : {$180.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$8800.00} XXXX XXXX XXXX XXXX : {$4900.00} XXXX XXXX XXXX Balance XXXX {$4300.00} XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX Balance : {$6200.00} XXXX XXXX XXXX Balance : {$8500.00} XXXX XXXX XXXX Balance : {$6200.00} XXXX XXXX XXXX : {$150.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXXXXXX XXXX XXXX : {$380.00} XXXX XXXXXXXX Balance XXXX {$0.00}
Consumer complaint received 2022-08-02
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. (PA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$8800.00} XXXX XXXX XXXX XXXX : {$4900.00} XXXX XXXX XXXX Balance XXXX {$4300.00} XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX Balance : {$6200.00} XXXX XXXX XXXX Balance : {$8500.00} XXXX XXXX XXXX Balance : {$6200.00} XXXX XXXX XXXX : {$150.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXXXXXX XXXX XXXX : {$380.00} XXXX XXXX Balance XXXX {$0.00}
Consumer complaint received 2022-10-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Aqua Finance, Inc. (WI)

First contacted the company three months prior to this filing. We were told the information needed to catch up to the credit reporting bureau. After time, and monthly payments made on time, since opening the account it still shows we are not paying and behind on this account.. This is hurting our credit score for something that is being paid on.
Consumer complaint received 2020-08-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO. (CT)

XXXX XXXX attempted to collect on debt from 1996. I asked them about statute of limitation on collection of credit card debt and they stated there was none. I verified that it is 6 years in the state of Connecticut and by law they could not impose legal action against me. They lied throughout the conversation and are fraudulent.
Consumer complaint received 2022-08-02
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. (TX)

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.
Consumer complaint received 2018-11-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (NJ)

I have had checking/savings accounts at J. P. Morgan Chase Bank since it was Washington Mutual. I paid all my bills electronically for years, but this year I began getting charged insufficient fund fees while having overdraft protection. 

Upon my investigation, I noticed Chase began deducting funds on the day I paid my bills instead of on the scheduled due date ( e.g. most bills arrived on the XXXX and weren't due until the XXXX of the following month ; but Chase deducted the funds when I entered them on the XXXX ). They claimed I needed to ensure I selected the " pay by '' instead of the " send by '' date. I ALWAYS selected the " pay by '' date. Also, when I checked the status of the payments they deducted from my account, they were all " pending. '' I was constantly transferring funds from my savings to cover the fees and funds they claimed weren't available due to their premature subtraction of " pending '' funds. I felt like I was hemorrhaging money and began ignoring their insufficient fund notices for bills due on the XXXX because my pension and SS checks arrive between the XXXX and XXXX of the previous month. 

I had to resort to paying bills via check or credit card. There's something very, very wrong with this practice. It seems that due to past bad acts, Chase is looking for any way to collect funds from its customers. If I hadn't set up alert notices, I may not have become aware of these insufficient fund charges. I wonder how many other Chase customers, as well as customers of other banks, have been deceived by this practice.
Consumer complaint received 2019-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OR)

I recieved a transfer of funds from someone for purchase of computer and the funds were fraudulent they froze my account and stated that freeze would be removed when investigation was complete so I was later told needed to close account and open another because funds had been released and now someone different was trying to withdraw funds so money was mine and could get it and deposit it in new acct. went ti bank where branch manager phoned fraud department who stated same thing that funds were mine and 8 could withdraw them and deposit some in new account, which I did and a few days later was told that funds were returned to person claiming that he dud not make deposit and now they claim I am responsible for those funds I don't belive I am responsible for any funds due to fact manager was told same thing that funds were mine to do with as I pleased and that someone not me was trying to withdraw funds and with proper ID could release funds to me and open new acct. with those funds or withdraw them. I was cotacted by the bank I am not at fault for this money it wasrekeased with authorizatuon of bank itself. I had a branch manager whom contacted fraud dept. and was told ok to release funds, due to fact we were both told that funds were mine I was sure it was safe to take money, I would have never taken it and the fraud was perpatrated futher through the mail have documents to prove that the same person tried to continue to defraud me.
Consumer complaint received 2022-08-02
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. (PA)

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to Equifax about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1400.00} ( Original Creditor : XXXX  ) XXXX Balance : {$240.00}
Consumer complaint received 2019-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (IL)

My card was compromised and I followed protocol to report card info stolen. Had 2 XXXX transactions and a XXXX charge that were not mine. I filed a police report and reported to PNC. They did a 3 day investigation and charged the credit back to my account. They need a thorough investigation not just a glance
Consumer complaint received 2022-09-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (MD)

This debt was not removed from my credit report after I sent a dispute letter to the credit bureaus. According to Federal Telecommunications Act ( 47 U.S.C. 415 ) section ( a ) this account has passed the 2-year Statute of Limitations to collect such debt. Note that I called them today ( XX/XX/XXXX at XXXX ) and they admitted knowing the debt is beyond the Statute of Limitations. The original default with XXXX XXXX XXXX happened in XXXX ( 4 years ago ) and has been sold a few times. I am asking that this debt stop being reported on all 3 credit bureaus ( XXXX, XXXX, and XXXX ) as it is negatively impacting your credit score.
Consumer complaint received 2020-08-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (MI)

Hi back in XX/XX/XXXX went to the Mall shopping preparing for a trip overseas and that day was the last time seen my wallet it was overwhelming couple weeks with the coronavirus and my trip to XXXX by the time I got there on the XXXX of XXXX I called my wife asking her if she had seen my wallet with all the credit cards and my driver license she told me no I told her to look again but no luck so I started calling my credit cards company to report my cards lost but who ever found them had already charged a lot of money on those cards in between those cards it was XXXX XXXX XXXX so they investigated the charge first time with no documents they denied it the second time I sent my passport and the ticket and my identity and police report they investigated for a little bit and denied it again I wasnt happy with the results And what the manager Told me first he said the police report was fake and than he said nothing is adding up to the claim And more the card was swiped at that merchant saying that so looked it up it saying the company went bankrupt I call today to see if there a way they can reopen the case again but XXXX said no I cant I mean I got them everything they asked for and still told me nothing is adding up so please help me with this case to get it resolve and it was a big amount they charged that card for XXXX Im on XXXX XXXX now and I cant pay for something that I did not purchase thank you
Consumer complaint received 2022-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc. (TX)

On XX/XX/2022 a company called XXXX was paid from my account at XXXX. 
After contacting them ( moneylion ) i submitted a fraud claim as I had never heard of, visited them, browsed them, much less bought something. 
At this same time I was getting similar transactions thru all my accounts. Most were blocked but the charges that got paid were ALL returned to me since someone had gotten access to all my accounts. 
The moneylion one really bothered me because it was a brand new account and only XXXX person besides me knew it even existed. 

But all fraudlent transactions at this time were refunded back to me except for moneylion. 
On the phone when submitting the fraud claim the person on the phone said that i must claim that the card was not in my possession to get my money back. Odd that the customer service person was telling me to lie about it. I did not lie about it. 

This person or what ever had all my information and if used a card they must have had to make XXXX. Does not seem like a hard thing to do, it's probably done all the time. 

Even so just google the company. Does it exist? No. how could I buy something from a nonexistent company. Even today XXXX returns XXXX hits. Just XXXX. Neither are a store. 

I joined moneylion so my friend could get the {$50.00} referal, which by the way has never happened. As soon as this happened I stopped using moneylion. Account was left open so that someday they could give me my money back.
Consumer complaint received 2020-08-07
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. (VT)

Per complaint XXXX, I am not able to access my equifax reports. The company responded with " Thank you for submitting your complaint the CFPB Complaint Portal. We appreciate the opportunity to address this matter and apologize for any inconvenience you have had so far accessing your myEquifax account. Upon further review, the option to utilize the online website, MyEquifax is not available to you. This decision is based on the information that you have provided during the account creation process. ". The response indicates a clear violation of the fair credit reporting act, provides no remedies to the problem at hand. The company continues to deny access to the credit reports, and has acknowledged it is doing so willfully and on purpose.
Consumer complaint received 2020-08-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

This is a debt that does not belong to me and The original date the debt was said to be mines is incorrect, Ive disputed this more then 7 years ago and its been off my credit till XX/XX/2020. This debt is in violation of the State statutes of limitation in Florida
Consumer complaint received 2022-10-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (IL)

The whole month of XXXX I was getting calls from Hunter warfield about a debt of XXXX for something about a apartment complex I rented I never rented a apartment complex so they said they I could possibly do jail time if I dont pay I ask for information they say they sent off I never recieve I ask for original creditor and the their right to be collecting debt or to keep calling me they hung up
Consumer complaint received 2022-08-02
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)

N accordance with the fair credit reporting act XXXX  account numbers : 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  Has violated my rights.

15 U.S.D 1681 section 602 A. States I have the right to privacy.

15 U.S.D 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 2022-08-02
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: Experian Information Solutions Inc. (PA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX  Bankruptcy XXXX XXXX  : {$0.00} XXXX XXXX XXXX : {$0.00} 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 2018-11-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: USCB Corporation (NC)

I took a course with the XXXX XXXX XXXX with monthly installment payments. I didn't complete payment of the course and they sent it to a collection Agency called UCSB Corporation. My account number as reflected on my credit report as XXXX. I settled the account in full for a lesser amount and they told me my credit bureau report would show a XXXX balance. However on my XXXX  credit report, it's still showing I owe a balance to the school for {$170.00}. I contacted the school and they informed me I still have a balance of {$170.00} and I would need to contact the collection agency because I made the agreement with them. This is a gross misrepresenation by the collection and I've repeatably requested a receipt and they claimed they emailed, faxed it, but I've never received it. They also stated they would mail me a receipt, but I've never received anything in the mail. The XXXX XXXX XXXX is at XXXX. If UCSB Corporation didn't have the authority to settle the account in full, then I would've never paid them and negotiated directly with the institution
Consumer complaint received 2022-08-02
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. (PA)

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 accounts from my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$6000.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXBalance : {$1400.00} XXXX XXXX Balance : {$17000.00} XXXX XXXX Balance : {$1300.00}