davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/2021 I was shopping on XXXX XXXX for a XXXX XXXX XXXX. I came across an offer at the following link XXXX XXXX XXXXXXXX  XXXX The ad specified the item was nearby and brand new for {$520.00} + XXXX shipping. I reached out and began corresponding with the seller. I submitted an offer via credit card using XXXX XXXX check out. They cancelled the offer and insisted on using XXXX instead. I don't use XXXX to often but it is offered by both of my banking institutions so I agreed. I sent a payment that was requested in the amount of {$450.00}. I asked if this was accurate and they acknowledged. Then I received a text saying I didn't send enough it was {$540.00}. I knew this was more accurate so I sent an additional {$90.00}. Then they responded saying their mom wouldn't allow it sold for that price and it asked if {$100.00} more was ok and I agreed because price was still reasonable. Shortly after they asked if I wanted to pay {$100.00} more for all the accessories they bought with it because they would not have a use for them if they sold the XXXX. They furnished a receipt that included a charger, a remote and a wireless headset. I agreed but insisted this was all I felt comfortable spending and that if it was going to be any more then I wanted a refund. They insisted that was all and they would send me tracking number. Today, XX/XX/2021, I requested the tracking number and they said they needed another {$100.00} to pay for tariff increases. I asked what tariffs there were between California ( which is where the receipt was from ) and Washington? The told me " Trust them, no XXXX I promise. '' I refused to send any more payments till I receive a tracking number or a refund and have since heard nothing. I reported a scam to XXXX XXXX, XXXX and my bank, Chase. I was told by both Chase and XXXX that I sent the payments so there is nothing they could do. I feel that this is an unfortunate answer from both my bank and XXXX seeing that my bank offers it as an option through their banking app. Why would they offer something that they don't help or protect their members from. I rarely if never use XXXX XXXX and hardly use XXXX except to lend my daughter money but now I less inclined to use either and feel that is my bank is not willing to protect me as a member then they shouldn't offer something that allows their members to be so vulnerable to scams.
Consumer complaint received 2021-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below was the account that is reporting on my Credit Reports : XXXX XXXX Balance : {$45.00}
Consumer complaint received 2019-04-27
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. (FL)

These fraudulent accounts are reporting on my credit report. 

XXXX XXXX {$13000.00} XXXX XXXX {$2600.00} XXXX XXXX {$420.00} XXXX XXXX {$1000.00} XXXX XXXX {$4400.00} XXXX XXXX
Consumer complaint received 2021-09-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: I.C. System, Inc. (MO)

I received a notification from my credit card ( XXXX ) that I had a derogatory mark on my credit report. I reviewed my credit report and there was an outstanding debt balance from IC System. I called IC System ( spoke with XXXX, ID # XXXX ) and explained that I was never notified of debt or given an tracking number. I asked for their documentation that they attempted to notify me of debt and they said that they attempted 1 call and could not leave a voicemail due to privacy and they could not mail a notice because my address was out of date, and no other attempts were made. I asked why other calls were not made before they submitted the debt to my credit report and XXXX states it due to having thousands of accounts and being understaffed.
Consumer complaint received 2021-09-13
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. (MS)

XXXX, Equifax and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Consumer complaint received 2021-07-29
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (FL)

This isn't a complaint the but the many complaints I have filed against Wells Fargo. 

Foreclosures, Foreclosures XXXX and their Firms and co-counsel. 

I have never dealt with such misinformation, miscommunication and misinterpretation from this XXXX XXXX calls Wells Fargo. No other corporation which that holds the same business license in the same capacity as Wells Fargo ever did me wrong as much as this bank has. 

I have never had a foreclosure against me. I should have sued Wells Fargo before the foreclosure. 

I pray to XXXX that the Foreclosure laws change, if and when a bank makes the financial error the loan is dismissed with prejudice. Banks to show payment, principal, interest and balance. All loan documents will have the rate on the loan documents. Any change in interest rate will be disclosed to consumer 60 months prior. No documents will be ambigious. No documents will be manipulated. 

A banker, a loan officer will know exactly what transpired and explain in detail everything about the loan and not give an excuse of " I don't know what they did. '' One should not have to go to a CPA, who they could not understand how one loan can turn into two loans. where the added interest rates came from.

We are talking about a person 's home, a person 's credit.

Can you imagine if you have to travel for you job, like federal agents, who can't be there to fix the problem or talk to someone over the phone who can't explain to the person. Banking should not be ambiguous to anyone.

I have two banks I deal with it. Nothing is ambigous to me. Everything is detailed where my money is and how it is distributed. Even with my stocks account. 

Wells Fargo is the most ambiguous and manipulative bank I have ever dealt with. Wachovia customers got screwed royally from and by Wells Fargo. We are the ones who are paying the price and suffering due to Wells Fargo 's manipulative and ambiguous ways. 

Foreclosures Attorenys and their Mills are right in line with Wells Fargo. 

All of this needs to be discussed and changed and make people whole again. That is all what " victims '' of a criminal entity wants. To be made " Whole Again! '' RICO ACT needs to be applied to MegaBanks and Foreclosure Attorneys and their Mills if it is dealing especially with the equity ointheir home. 

Sincerely, XXXX XXXX Thank you for you service and committment to making things right.
Consumer complaint received 2017-04-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE (NJ)

I rented my basement to a gentleman and without my permission or knowledge he intercepted my mail, got my personal information and fraudulently used my name to open an account. I called them and they refused to listen to me, instead demanded a form of payment. I am a sing le mother   XXXX   XXXX   due to current health issues. I have no income, I even said if I could get this resolved with a manager, they refused. They refused to acknowledge that I was not at that location. This is a fraudulent charge and needs to be removed from my credit report ASAP. I want this removed from my credit report, and the charge removed, this is a fraudulent account. I need to resolve this in order to provide for my family. Please report this company as unable to attend to customer needs and refusing to provide escalation when needed. Someone open this fraudulently and I called them and they refused to listen to me, instead demanded a form of payment. I am a single mother   XXXX   XXXX   due to current health issues. I have no income, I even said if I could get this resolved with a manager, they refused. They refused to acknowledge that I was not at that location. This is a fraudulent charge and needs t o be removed from my credit report ASAP. I want this removed from my credit report, and the charge removed, this is a fraudulent account. I need to resolve this in order to provide for my family.
Consumer complaint received 2021-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (OR)

On XX/XX/XXXX, at XXXX XXXX, I was suppose to get a deposit of XXXX dollars, in my checking account. It never showed up in my account, I contacted social security, and they said they had the right routing, /account number, and it should be at US BANK XXXX I went to US BANK , three times, and they would not tell me were my money is, even though they said my routing number and account number was correct, I had to pay my rent, so I am overdrawn now, because this bank, can not accept direct deposits. Even though they push me into having direct deposit, or they would penalize me {$6.00} a month. XXXX  I just want my money, I will be paying {$100.00} dollars overdraft fees, because of them.
Consumer complaint received 2019-04-27
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. (SC)

My credit was pulled without my consent by XXXX XXXX XXXX XXXX XXXX  after I agreed to XXXX XXXX   doing a soft pull. I did not hear from this CU or consent to have my credit checked. I believe I submitted an online dispute with XXXX, but was unable to get confirmation by e-mail and when I tried to check the status online, I got a message that the service was not available. This has happened several days now so I called Equifax. I verified name, SSN, DOB, address, employment, I was asked about addresses and loans, none of which applied to me. Then asked about an auto loan, which I verified I had with XXXX   and the exact payment, and was asked if I had a credit card and how much the payment was. I told the guy sure I have many credit cards, and named off several. He said okay XXXX. I told him I owe around $ XXXX and the monthly payment was around {$80.00}. He then told me he could not help me and I would have to submit a dispute by mail. I feel like Equifax has me flagged or something for disputing information. They are by far the worst of the 3 major agencies and are always extremely difficult to communicate with. I will fax the information, but there is definitely a problem with the way they do business.
Consumer complaint received 2021-07-29
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. (LA)

I asked for XXXX XXXX XXXX to verify alleged debt and didnt they didnt verify the alleged debt. But still are reporting on my credit report. This is continuing collection activity which is a direct Violation fdpca and needs to be removed. It also violated 15 U.S.C.A 1692 and 623.
Consumer complaint received 2021-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

The student loan supplier is submitting different and inconsistent information to all credit bureaus. I have disputed these items to the credit bureaus and the student loan supplier verifies the information as correct. It is obvious that the all the different information being reported to each bureau can not be correct. They should be reporting the same information to all the credit bureaus. l have brought this matter to their attention and yet I have not been able to get this problem resolved.
Consumer complaint received 2021-09-13
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: Self Financial Inc. (PA)

I am XXXX XXXX XXXX and I am forwarding this complaint myself. There is no third party involved in this request. This SELF / LEAD with Account number XXXX appeared to be included in Bankruptcy which is erroneous because this account is {$0.00} in balance and it only reports on my XXXX. I have no idea about the said account. Send any and all documentation that validates your investigation and comments and that the 3 Credit Bureau is legally allowed to report this on my credit report. If unable to, remove the account immediately.
Consumer complaint received 2019-04-26
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. (AL)

I have notified both XXXX  and Equifax that the XXXX account that is reporting on my credit file do not belong to me. This account was open as a result of identity theft. Please assist me in getting this account removed from my credit file.
Consumer complaint received 2021-11-05
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)

XXXX XXXX XXXX XXXX, XXXX {$4700.00}, XXXX XXXX  XXXX, XXXX {$1300.00}, XXXX XXXX XXXX, XXXX {$10000.00}, XXXX XXXX XXXX, XXXX {$57000.00}, XXXX XXXX XXXXXXXX, XXXX {$310.00}, XXXX XXXX  XXXX {$6800.00}, XXXX XXXX XXXX XXXX, XXXX {$6800.00}. I have contacted each creditor about each of these accounts listed in this comment. I have filed an ftc report for each of these accounts and they have refused tp remove them. I have stated to each of these creditors that I have never used or opened any of these accounts.
Consumer complaint received 2021-10-01
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. (SC)

I have submitted Certified mailing to Equifax on disputing a Bankruptcy, collections, and inquires, and closed accounts but. I disputed Bankruptcy with XXXX and they removed it from my credit report but Equifax stated that this has been verified but they have not shown me proof on how this was verified along with collections and inquiries. I am constantly getting the same message that these accounts have been verified with any evidence.
Consumer complaint received 2021-07-06
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. (NJ)

On XX/XX/2021, I made a transaction for {$340.00} at the XXXX XXXX, processed through XXXX on my Chase Sapphire Reserve card. The services were not rendered and the merchant agreed to issue a refund in full, in writing. The merchant then stopped responding, so a dispute was opened by me with Chase. Chase issued me a credit. Then the merchant got back in touch after much delay, saying she would issue a refund, but couldn't do so without the dispute being cancelled. I called chase to verify and Chase advised that yes, the dispute needed to be cancelled. The dispute was cancelled and my account was rebilled. The merchant then struggled to issue a refund, after which I called chase back. My call was recording and a representative from the chase dispute department directly advised me that I needed to re-open the dispute, and to do so I would need to fax in my request in writing with evidence from the merchant. They told me a dispute reference number, the fax number and advised me to go to a branch to fax it in, which I did, timely. Then I got back in touch with Chase who said they couldn't re-open the dispute since 45 days had passed - however it was chase that advised me in error that I could re-open the dispute, causing the time period allegedly for re-dispute to lapse. Chase 's gross negliences and mis-training Chase 's policies are fraudulent, deceptive, unfair, and financially harmful to its customers. 

All of my calls were recording by Chase, so they can easily see that I was mis-advised and lied to. Furthermore, I was not advised of any 45 day redispute window when I called in on XX/XX/XXXX while still within that window, again in chase 's error.
Consumer complaint received 2021-07-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (PA)

PHEAA and AES Loan originated with PHEAA was consolidated and was then serviced by AES. The loan amounts are incorrect. I do not owe the amounts listed under PHEAA and or AES. I asked for loan information ie amounts borrowed and total amount owed in XXXX of XXXX. I have yet to receive any information. The total amount of student loan debt listed on my credit reports is far more than the maximum amounts that can be borrowed for XXXX. Essentially, I am being charged XXXX XXXX XXXX dollars in interest payments. These balances are incorrect. Please furnish all loan consolidation and amounts borrowed all information for XXXX PHEAA/AES
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX these accounts below has violated my rights. 


Account Name : XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX Account Name XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX  XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) Account # XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX Account Name : XXXX XXXXXXXX Account # XXXX Account Name XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX 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 2021-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

After reviewing your letter which I attached from your company, Equifax, stating why you have refused to block the fraudulent information from my credit report I found it very interesting. Your company said in accordance with Section 605B of the FCRA you have determined not to block this fraudulent information subject to the submitted identity theft report and/or police report that I provided. That decision is not up to you, you only have the right to deny or rescind a block if there was a misrepresentation of material fact relevant to the request to block, or I have obtained possession of goods, services, or money as a result of the transaction issue. This request was not made in error. I, XXXX XXXX, did not make this request in error. I also did not receive any goods, services, or money as a result of the transaction issue. I also sent the report which I have made with the Federal Trade Commission with my original letter, which I have attached to this complaint, and that is certainly not a misrepresentation of material fact being that these accounts are in fact fraudulent. So, please explain exactly why this fraudulent information has not been blocked from my credit report? The reason that you have listed does not apply so I can only believe that your company is purposely reporting this fraudulent information to my credit report which is an act of constructive fraud. So pursuant to 15 USC 1681c-2 and the fact that your company has clearly lied, your company, Equifax now has 4 business days after receiving this complaint to block and remove these fraudulent accounts. Please review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you
Consumer complaint received 2021-07-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (GA)

I have two accounts with this company on my credit report. One is for XXXX and the other is for XXXX XXXX XXXX. They are refusing to provide validation of debt ( last bill provided by original creditor ), I JUST NEED VALIDATION OF DEBT FOR BOTH ACCOUNTS PLEASE. Please do not contact me, only via CFPB or mail
Consumer complaint received 2021-10-02
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. (WI)

I have attempted on 3 occasions to obtain the method of verification used to verify an erroneous bankruptcy that has been listed on my credit profile. Equifax has yet to provide that proof of verification. I received a copy of credit report that stated that XXXX XXXX is the furnisher of this erroneous bankruptcy record. After receiving that, I contacted XXXX XXXX who attempted to verify this account with the courts. The courts sent notice that they do not verify such information. XXXX XXXX then deleted this erroneous bankruptcy from their records. This bankruptcy is unverifiable and should be deleted from my credit report. I have attempted to get actual proof of verification since XX/XX/2021. Letters sent to Equifax via mail on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. It has also surpassed the 30 days since I submitted the 3rd request for proof of verification on XX/XX/XXXX. This account is unverified and needs to be removed from my credit file.