davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-19
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. (ID)

I ordered some XXXX masks XX/XX/2020 in case we needed a few of them at work. I am the XXXX XXXX XXXX for a XXXX XXXX  I work at in XXXX, ID. 
XXXX charged me {$49.00} for only five masks. The Chase Visa Card transaction date was XX/XX/2020. This was during price gouging time and people were fearful with the beginning of the Covid19. I went ahead and paid the money, but still have not received the masks. Order number was XXXX. I have emailed them with no response. I have called them on XX/XX/2020 and the number is not valid according to the automated system. 

I contacted the Idaho Attorney General Office with the above complaint on XXXX also disputed the charge and sent Chase Card Services the information I sent to the Idaho Attorney General. XXXX at the Idaho Attorney 's General Office is still unable to receive any response from this company. Tonight I discovered many complaints about XXXX, on the following website XXXX XXXX XXXX I received a letter last week from Chase Credit Card Services saying they see no error in this charge and the charge will remain on my bill. I believe Chase Visa is blatantly disregarding their own credit card policy. I also believe they know I have been scammed. I pay off my credit card bill every month, and for them not to credit my account is dishonorable! 

I called the Chase Credit Card Company at XXXX on XX/XX/2020 at XXXX hrs after waiting on hold for 46 minutes. When someone finally answered the phone, she said her name is XXXX. She was insolent in her demeanor, spoke over me, and yelled at me and said WHAT IS IT YOU WANT? This was not good customer service and she was unwilling to listen or even attempt to resolve the problem.
Consumer complaint received 2022-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have tried to call companies several times to which they have transferred me several times and they finally hang up on me. Here is the list of inquiries : Transunion : XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX 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 2022-07-25
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. (PA)

After review of my Credit Report, I found that my report contained Numerous Hard Inquires that I never Authorized. 
1. XXXX XXXX 2. XXXX XXXX XXXX 3XXXX XXXX XXXX 4.XXXX  XXXX. 
5.XXXX  XXXX XXXX XXXX 6.XXXX XXXXXXXX 7XXXX XXXX 8.XXXX XXXXXXXX. 
9. XXXX XXXX  XXXX XXXX. 
10.XXXX XXXX XXXX 
11. XXXX. XXXX
Consumer complaint received 2022-10-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SIMM Associates, Inc. (IN)

So, these XXXX  hired SIMM ASSOCIATES in XX/XX/XXXX to collect a debt that I don't owe that allegedly originated in XXXX. When SIMM Associates called, they wouldn't tell me the name of the company without confirming my personal information. I don't do that over the phone so the lady hung up. I get a letter FORWARDED ( because they don't have the right address ) about it being from XXXX XXXX. 

Now, I vaguely remember this place trying to corral a bunch of people to take some sort of online classes for XXXX YEARS ago and I never agreed to enroll in anything. They emailed a bunch of mess and I deleted everything. I never attended a XXXX class or agreed to pay for anything. Therefore, I don't owe XXXX XXXX XXXX, SIMM Associates, or XXXXXXXX XXXX XXXX  XXXX. Stop harassing me. 

I even attached a screenshot of an email from them begging me to apply. Stop playing with me. You're not fooling people with your fake A+ XXXX  rating but there are a copious amount of reviews/stories of your company harassing people who are NOT the debtor you seek. Your XXXX  rating needs to be an F, right along with SIMM ASSOCIATES and XXXX.
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I was looking to get a quote for a vehicle and had one lender in mind. the car dealership ran my social way more than i asked or expected and hit my report with several hard inquires. I did not authorize or know that this had happened until I got home and seen my report. 

They also violated the law because according to 15 U.S.C 1681 section 602 A. state 's I have a right to privacy 15 U.S.C. 1681 section 604 A. section 2 also states a consumer reporting agency can not furnish my account without written instructions. 

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

These are the inquires that I did not authorize or know anything about : Equifax : 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 2022-07-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bliksum, LLC (NV)

A debt on my consumer report from a company called LoanMe which further looking at my consumer report has been sold to a company called XXXX XXXX XXXX. This debt is a result of identity theft and I have submitted my police report and ftc.gov report to XXXX and LoanMe. The loan application does not have my handwritten signature on the application which is attached. It was an online application done AFTER my laptop was stolen from my car and a police report was taken ( attached ). XXXX is the CRA the company is using to report. Each dispute comes back " verified ''. It has been SEVERAL YEARS reporting and disputing. I realize, maybe that I'm not including this other company who now owns the debt XXXX XXXX XXXX XXXX ) ; so, I'm including them here. I am attaching all of my documentation here. I've tried fixing this issue and nothing has been resolved.
Consumer complaint received 2022-08-01
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: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

XX/XX/XXXX thru XX/XX/XXXX tried to use atm card from my new money market savings every time it said error has occurred contact financial institution I tried it 2 times and called bank they said no problem with account try again I did but still no money disbursed I called bank after I saw bank statement they made provisional credit but XX/XX/XXXX got XXXX letters saying XXXX our investigation determined a error has occurred and claim has been resolved.The provisional credit made final.Other XXXX said no error occurred. The documentation verified that you authorized the transaction. We will debut on fifth business day after letter which came XXXX deducted XXXX same thing happened I did not receive any money. It also happened XX/XX/XXXX for {$900.00} and XX/XX/XXXX XXXX XXXX for another {$1500.00} have not received any these please help me
Consumer complaint received 2018-10-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jeffrey G. Lerman, P.C. (NY)

Medical bill that was paid by insurance company was obtained by JEFFREY LERMAN XXXX XXXX XXXX license # XXXX and he attempted to collect on a bill from XXXX XXXX that was paid by my insurance company, XXXX. Imagine if I had not been an educated, English-speaking person able to handle this? This is despicable behavior - it is billing fraud which is a felony. Shame on this guy!!! I am reporting him to every city, state and federal agency able to investigate this illegal and dishonest practice.
Consumer complaint received 2022-07-22
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: EQUIFAX, INC. (VA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2018-10-25
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. (CA)

To Whom It May Concern, It occurred to my attention that I have four inaccurate hard inquiries incurred on my account without my knowledge or consent or by error in the last year. These inquiries have affected my credit standing despite its clean history. These are the following inquiries that I don't recognize and which I hope you could kindly help fix and remove from my credit reporting : XX/XX/XXXX: an inquiry from XXXX XXXX. I don't recognize this inquiry nor have I applied to any credit of such type this year.

XX/XX/XXXX : an inquiry by XXXX XXXX. I don't recognize this inquiry nor have I applied to any service of such type this year.

XX/XX/XXXX: an inquiry by XXXX. I don't recognize this inquiry nor have I applied to any credit of such type this year.

XX/XX/XXXX : XXXX XXXX XXXX. This was a collection inquiry that was resolved and removed per complaint no. XXXX submitted on XX/XX/XXXX to CFPB after finding that it was filed on my behalf upon incorrect information.

The only inquiry I recognize from the last two years is my application to XXXX XXXX load on XX/XX/XXXX.

I kindly ask you to investigate these inquiries, report them to the bureaus and do all necessary actions to remove them from my record as I have no knowledge or consent on their submittals.

Thank you for your consideration.

XXXX XXXX
Consumer complaint received 2022-07-25
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT.THE LIST OF ACCOUNT HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHT TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 

XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXXXXXX XXXX ACCOUNT # XXXXXXXX XXXX  ACCOUNT # XXXX HAS VIOLATED MY RIGHTS. 


15 U.S.C 1681 SECTION 602 A.STATE I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTION. 

15.U.S.C .1681C. ( A ) ( 5 ) SECTION STATE : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEM OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTION OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS. 

15 U.S.C 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE. 


REMOVE/DELETE OFF OF MY CREDIT REPORT.
Consumer complaint received 2022-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (HI)

Today on XX/XX/2022 I opened a letter with the date XX/XX/2022 from JP Morgan Chase claiming a follow up to a XXXX credit card application with XXXX. They asked me to call XXXX and because I recently applied for one I called and followed the directions which included my SSN. I did it and now concerned I accidentally fell for a scam. Please help protect me from identity theft and fraud.
Consumer complaint received 2018-10-25
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. (FL)

The account XXXX ACC XXXX status is late..How is this even possible when payments are secured on time..I contacted the credit bureaus but I did not get a response yet..I am extremely upset about this situation because I find it absolutely ridiculous that this information is being reported without contacting me first..CFPB Please step up and reverse the late payemt
Consumer complaint received 2022-10-24
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. (NJ)

TRANS UNION DID NOT ADDRESS THE ORIGINAL COMPLAINT AND COMPLETELY IGNORED MY REQUEST TO REMOVE THE XXXX XXXX ACCOUNT FROM MY CREDIT REPORT ; TRANS UNION HAS NOT PROVIDED ME WITH THE DOCUMENTATION FROM THE ORIGINAL CREDITOR AND HAS NOT PROVIDED ME WITH ANY PROOF OF THE ACCOUNT BEING A CHARGE OFF. i HAVE NOT RECEIVED ANY PROOF OF SAME. I AM ENTITLED TO SEE THE DOCUMENTS AND I NEED THIS ACCOUNT REMOVED IMMEDIATELY,
Consumer complaint received 2022-08-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (AZ)

On XX/XX/XXXX I made a wire transfer with the wiring instructions provided by Rushmore mortgage. XXXX processed the transaction and confirmed the transfer. The money came out of my account the very same day. 
Till today, Rushmore Mortgage hasn't applied the payment for over {$84.00} thousand dollars. I've gone to chase and they have assured me that the transaction is correct, and Rushmore has that money. I've contacted Rushmore mortgage several times, but they have no answers, just tell me to keep on calling.
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OK)

I am filing this complaint again. Your company sent me a letter stating that I am not the person that filed the original complaint. I am the person filing this complaint. I am filing this complaint on behalf of myself and not any one else. 

In accordance with the Fair Credit Reporting act XXXX XXXX account number : # XXXX and # XXXX, has violated my rights. 15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Consumer complaint received 2022-07-22
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: EQUIFAX, INC. (CA)

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 ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 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
Consumer complaint received 2018-10-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

My phone was used without my knowledge to send money to someone that I do not know through the XXXX   application. When I was made aware of this I contacted XXXX and informed them that this was fraud. I was told they would freeze my XXXX  account and that I should contact my banking institution because it is directly linked to that application. I called XXXX XXXX XXXX  and made them aware that this was fraud and they reverted the processing payments to make sure that I would not be charged. After having done that I assumed that XXXX   would do their due diligence considering the person who committed the wire fraud obviously has an account with them. To my surprise days later I received an email from XXXX that while my banking institution failed to fund the payment they covered it and I now owed them. It isn't like this was a small amount of money. It was 2 separate transactions totaling {$2900.00}. I did more research and they have a maximum limit that can be sent in a weeks time of {$2900.00}, so obviously this person knew this and sent just under the maximum amount allowable. On average I have about {$100.00} dollars in my checking account after I pay all of my bills and this is an amount that would destroy me financially. I've haXXXX XXXX for years and have never sent close to that amount of money to anyone. I've never disputed or reached out to XXXX   concerning a transfer that I did not authorize. Why would XXXX put me in debt with them for something that I made them aware of? Wire fraud is a felony and it is seemingly something that they do not take seriously.
Consumer complaint received 2022-04-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc. (MN)

I have received no verification of debt from the Credit Corp Solutions company. I have filed several disputes and requested several times that they complete a verification of the debt and mail the results to me. They have not responded to any of my requests but continue to report inaccurate information on an invalid debt and balance owed and increasing the debt balance daily.
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

Delete this XXXX XXXX XXXX  chargeoff for reporting inaccurate information date of last activity shows XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) and no date for Experian. All three bureaus are reporting different dates. Thanks
Consumer complaint received 2022-07-25
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.