davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MS)

On XX/XX/XXXX, I was notified about an updated credit score on XX/XX/XXXX app. I noticed that I lost 36 points from XXXX. I called them and they were unable to give me an explanation as to why I lost points. There were no collections added, no new debt, no new accounts opened, no accounts were closed, nor did I apply for anything. On XX/XX/2021, I received 36 points back. On XX/XX/XXXX, I received 1 point. On XX/XX/XXXX, I received 3 points, where my credit score was XXXX. On XX/XX/XXXX, once again, I lost 36 points. I am not understanding why every time I reach 700, I lose 36 points. When I call, they tell me the " system '' calculates the points daily. Our livelihoods should not be up to a computer, as if it doesn't make errors. You can't have anything in life without credit, and I have worked extremely hard to fix my credit. It's bad enough that I have disputed the same 3 accounts over and over for inaccurate information amongst the credit reporting agencies, and yet they refuse to delete it. The reason I haven't disputed them again is that I am under contract to buy a home and heard that I can't have any accounts in dispute.
Consumer complaint received 2016-08-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Informative Research (TX)

XXXX XXXX XXXX {$220000.00} Filed XXXX This is straight from my credit report I have never had a bankruptcy in my life yet this Tax lien/Bankruptcy is showing on my credit report and they will not remove it. It is stopping me from refinancing even thought the title company reported that it does not or never has belonged to me.
Consumer complaint received 2020-04-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (FL)

I have been asking for Validation of a debt that I was told I owed and in asking for validation I have not yet received anything from this company. I know they have received my validation request because it was sent to them certified and was signed for by a company representative. 
I received a Invoice, dated XX/XX/2020, in the amount of {$240.00} for a hospital service that was handed out to a person I don't know. On XX/XX/2020 I wrote them a letter stating that the debt did not belong to me. I also requested a prompt response wich I never got. Now, I called them since they reported to the credit report agencies that have apparently tried to collect it for 3 times. I talked to one of the representatives and he said he has no way to verify if my letter was received and gave a phone number to call. 
I called the # a few times leaving a voice mail and so far I have not received a single phone call. THE LETTER disputing THE CHARGE WAS CERTIFIED MAIL AND IT WAS RECEIVED BY THEM ON XX/XX/2020 AND THAT MEANS IT DID NOT ECXEED THE 30 DAYS NOTICE.
Consumer complaint received 2016-12-23
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (CA)

I am a XXXX vet, i live under the poverty line, as a result my brother sends me periodic money to my bank account to help make ends meet. 
Because of this i looked for a bank that offered deals to vets, Chase had a if you are a vet and have a VA pension deposited, then you do not pay incoming wire transfer fees, this is the only reason i went with chase. 
Chase charges me a XXXX dollar fee everytime my brother sends cash, this bank is full of lies and deceit, then i call them and have to argue almost everytime to get the charge reversed, called a supervisor, was told they were going to look into and fix this, and still i have to call each time. 

This bank is simply preying on people such as myself, and the fact i suffer from XXXX keeps me from dealing with them correctly, i really could use some help getting this stopped.
Consumer complaint received 2022-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

to whom it may concern good morning, I hope you can help me my name is XXXX XXXX I am very angry and sad about a situation with my bank wells fargo this would be the second report that I make through you the first report with number XXXX, what happened It is that they misused my account with my debit card, charges were made that I did not authorize and the bank deposited one of the claims and the other told me that I authorized them and that is false because they are the same expenses, the same claim There were two reports, one of several purchases that add up to {$3300.00} with XXXX XXXX, this one was already reimbursed to me and the other claim that was for the same situation for the amount of {$3800.00} with XXXX XXXX, they do not want to reimburse me and I do not understand why a claim does and the other does not, I would like to know why they are ensuring that I make or authorize said purchases, that is false, I never signed or gave any authorization, they are only recovering {$3300.00} when the total is {$7200.00} There is a shortfall in my account of {$3800.00}, as I mentioned, I am very upset because I need my money, it is all my savings, and because I feel that they are defaming me badly, I have read a bit on the internet and from what I understand they are responsible for charges not recognized or not authorized by the zero liability protection, I hope that through you the bank resolves me soon, I would not like to resort to other legal instances, I would also like to know why they determine and close a case without conducting an investigation, I thank you Your help I hope you have an excellent day sincerely XXXX XXXX XXXX
Consumer complaint received 2022-12-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (LA)

I would like to draw your attention to XX/XX/XXXX, XXXX I sent my complaint letter to JPMorgan Chase Bank XXXX in which I clearly stated how this scam has affected me personally, psychologically and financially. 

Commencing on or about XX/XX/2021, I fell victim to a multi-layered scam operation run by profitfinanceoptions.net which involved me making deposits for a total amount of XXXX USD from my JPMorgan Chase Bank account to a fraudulent investment firm. 

To this day, I am yet to receive any response from JP, let alone the satisfying one.
Consumer complaint received 2015-08-11
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (TX)

I opened a Chase XXXX credit card on XX/XX/XXXX My XX/XX/XXXX statement indicated a 0 % APR with an " Expiration Date '' of " XX/XX/XXXX. '' The statement also read, " You have one or more balance XXXX XXXX ) with APR expiration dates, as shown in the Interest Charge section. These APRs will continue through your billing cycle ending with the expiration month and year shown in the Interest Charge section. You must continue to make your required Minimum Payment Due in order to continue to receive applicable APRs. '' Accordingly, due to the language " ending with the expiration month and year shown, '' I set a payment to pay the balance on XX/XX/XXXX 

Before that date approached, I checked my last statement from XX/XX/XXXX just to make sure that nothing had changed. Sure enough, that statement indicated an " Expiration Date '' of " XX/XX/XXXX, '' not the previously indicated XX/XX/XXXX. Furthermore, the statement read " You have one or more balance XXXX XXXX ) with APR expiration dates, as shown in the Interest Charge section. These APRs will continue through the expiration dates shown in the Interest Charges section. '' The statement did not include the language " ending with the expiration month and year shown '' from previous statements. 

As soon as I noticed that, I scheduled and paid a payment to pay my balance on XX/XX/XXXX. Nonethless, my XX/XX/XXXX statement indicated an interest charge of {$26.00}. While the interest charge is minimal, I think the change in language between the statements is at best misleading and at worst a deliberate attempt to mislead and get an interest payment from a regularly paying customer who 's never made a late payment in his life. I imagine others could wind up paying much more.
Consumer complaint received 2015-04-26
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (FL)

My wife and I submitted a claim about our billing statement with Synchrony Bank ( formerly known as XXXX ). XXXX She was awarded a " No Interest '' promotion until balance is paid in full. Can you please tell me if my account will be awarded it as well. My account # XXXX
Consumer complaint received 2022-10-18
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. (TX)

The company above reported a late payment for XX/XX/2020. I have requested a history of payments for my review and have yet to receive it. I have disputed this inaccuracy with XXXX, XXXX, Equifax, and XXXX with no success. 

According to FCRA laws, I have the right to ask for a fair investigation and have not received one and that is why I am submitting an formal complaint. I want the late payment from XX/XX/2020 to be removed from all three credit reports.
Consumer complaint received 2022-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Paypal Holdings, Inc (CA)

I received money from an insurance company because I was in a car accident and they transferred the money to my Venmo account. Venmo verified my identity and then froze my account. They don't have live representatives to talk to and I don't know what to do
Consumer complaint received 2016-07-13
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: COAST PROFESSIONAL INC (MN)

This company called me on my professional work line which routed through my manager. My manager informed me I had a personal telephone call because the collection company refused to release even their name. The caller 's first name was XXXX. I received punishment at work for allowing personal calls to come on my professional work telephone line.
Consumer complaint received 2017-05-07
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. (NC)

I had a card with XXXX XXXX XXXX, well i fell on hard times and was XXXX i missed 3 payments and they garnished my XXXX check for 2 yaers i made payments of XXXX and then they took my tax refund from a tax offset of XXXX. The card was a XXXX. Limit. And listed on my credit bureaus was XXXX with late pays.. with making payments of XXXX a month for 2 years is not even close to oweing them over XXXX. They owe me a refund when i told them of their oversight they told me i never paid them.. even thou i have all the TOP payments made to them. I do not feel they are justified to steal someones money just cause they can for 2 years they took payments and then they take XXXX from tax refund.. how is that legal. I wrote them 2 letters and 2 emails. They refuse to make this write. Please help me.
Consumer complaint received 2015-07-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Genesis Lending (CA)

I believe I have Genesis loans from XXXX Colleges and would like to know if they were included in the CFPB settlement. My school location was XXXX College, XXXX XXXX. I still receive letters from them.
Consumer complaint received 2022-10-18
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-07-27
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (VA)

My wife was issued an Amazon.com rewards VISA signature credit card from JPMorgan Chase & Co totally unsolicited nor wanted. This is a real credit card with a {$2000.00} credit access line. The process for getting this ( or any ) card typically requires application and credit verification, neither of which was done with any permission. Her credit was checked last week by Chase, as verified by a recently reviewed XXXX credit report. The card ( as far as is known ) has not been activated. When calling the number on the back of the card, the customer rep asked for detailed confidential information for " identification validation purposes. '' None was shared, but when the customer rep was asked how she had access to the information with which to validate anything, she stated that it was all " public records. '' Amazon was contacted but deferred to the same Chase customer service department for assistance with cancelling.
Consumer complaint received 2022-10-18
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. (NJ)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX  Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX CARD Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX & XXXX BANK Account Number : XXXX XXXX XXXX COLLECTIONS Account Number XXXX XXXX
Consumer complaint received 2022-08-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MI)

My Venmo account was frozen on XX/XX/22 due to recent activity that appears to be a violation of our User Agreement. When I asked what recent activity agents did not provide an answer. Venmo emailed a link for me to upload my driver license to verify my identity, which I did. Within the app, it states my identity has been verified but when I tried using my debit card provided by Venmo, transferring the money in my account to my connected bank account as well as even trying to send someone my money, the transactions immediately get declined. I reached back out to support who only tells me to look out for an email and that this can take up to 3 weeks. I have XXXX access to the only money I have which is in this account. Venmo does not care that I cant but food on the table for my family.
Consumer complaint received 2022-06-04
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)

In accordance with the Fair Credit Reporting Act XXXX account number XXXX  XXXX XXXX XXXX Account number XXXX have 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 2016-02-28
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (DC)

I was charged {$130.00} from a merchant to repair my iPhone. The workmanship was poor and the phone screen came off a week later. I presented the proper evidence for a refund and they did not issue me a refund. They then promised to issue me a refund, they never issued me a refund, and when I called back, they said they would no longer honor the original amount of the refund offered.
Consumer complaint received 2015-11-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Northland Group Inc (TX)

My name is XXXX XXXX. My account number with XXXX XXXX XXXX shows XXXX - I was told the actual account number is XXXX. 

XX/XX/XXXX, I spoke with " XXXX '' from Northland Group regarding my outstanding XXXX account. " XXXX '' told me that if I paid the debt, he would remove it from my reports with the XXXX credit agencies. 

I checked my credit report for the first time yesterday, after having a permanent freeze due to fraud. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MN XXXX, phone number ( XXXX ) XXXX shows up on my credit reports. 

I called XXXX XXXX Services regarding the paid debt and spoke with XXXX two times. XXXX referred me to XXXX XXXX XXXX. 

I called XXXX XXXX XXXX and spoke with " XXXX '', whom misrepresented himself two times. His real name is XXXX XXXX on XX/XX/XXXX. " XXXX '' told me he would email XXXX XXXX XXXX and request the phone recording from Northland Group, then promptly and rudely hung up on me. I called " XXXX '' back a second time and requested to speak with a supervisor. 

I spoke with XXXX XXXX, representing himself as a supervisor. He corrected me and told me I had spoken with XXXX XXXX and said " His name is not XXXX, it is XXXX. people get that confused all of the time. " No one attempted to correct the situation and all involved were extremely short and rude. The employees at all of the collection agencies involved in this case misrepresent themselves. 

I was promised that this would be removed from my file when I paid Northland Group XX/XX/XXXX.
Consumer complaint received 2022-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: WELLS FARGO & COMPANY (WA)

I have contacted Wells Fargo XXXX different times in XXXX and XXXX of 2022 demanding they stop sending " Super Checks '' to me. Mail gets stolen in my neighborhood frequently, and I don't need to worry about someone stealing these checks. Wells Fargo has given me the runaround. I spent 30 minutes on the phone with them in XXXX where they made me answer questions over and over and then finally said they had stopped it. But today I received another envelope from them containing Super Checks. I want to compel them to stop soliciting me for these checks and potentially putting my identity at risk. My social security number was stolen in a data breach, and I have enough problems. They just will not listen to me.
Consumer complaint received 2022-10-17
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. (LA)

Again Equifax is governed by 15 USC 1681. After providing my vital information Equifax disregards my protected rights under 15 USC 1681 and continues to violate my rights over and over. According to the FCRA AKA 15 USC 1681 i never authorized Equifax to report such item ( s ) /Account ( s ) to my credit report. I demand the account ( s ) listed herein be REMOVED/DELETED from my credit report.

Under 15 USC 1681 I have a right to privacy which have been violated several times and for the record Equifax or its agents never had my consent/permission to furnish such account ( s ).

Regarding this matter if Equifax continues to violate my rights please provide a statement signed under penalty of perjury of the account ( s ) mentioned herein as being VERIFIED and explain how it was VERIFIED if so due to Equifax inaccurate/false reporting. Please attach if any an authentic signed contract where as i gave Equifax permission to report this account ( s ) mentioned herein as it will be used for my own and a judges inspection if this matter escalate to trail to contest these matters. 


XXXXDEPT OF ED XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX ATTACHED- FCRA With section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]
Consumer complaint received 2022-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

Provided the FTC report to the reporting agencies and they have not rectified the issue. Unauthorized inquires listed below need to be removed immediately : XXXX XXXX XXXX  Miscellaneous Reptg. Agencies XX/XX/XXXX Equifax XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX Equifax XXXX XXXX Credit Unions XX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Equifax XXXX XXXX Reptg. Agencies XX/XX/XXXX Equifax XXXX XXXX XXXX Reptg. Agencies XX/XX/XXXX Equifax XXXX XXXX XXXX Reptg. Agencies XX/XX/XXXX Equifax XXXXXXXX XXXX XXXX  Miscellaneous Reptg. Agencies XX/XX/XXXX Equifax XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX Equifax XXXX XXXX other than personal XX/XX/XXXX XXXX XXXX XXXX XXXX other than personal XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX personal XX/XX/XXXX XXXX XXXX Department, variety , local, regional, and national chains XX/XX/XXXX XXXX XXXX XXXX  and XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX Miscellaneous and public record XX/XX/XXXX XXXXXXXX XXXX XXXX  Miscellaneous and public record XX/XX/XXXX XXXX