davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MO)

I made a purchase at XXXX on XX/XX/21 using my XXXX XXXX card for {$180.00} and checked out through XXXX. My Chase Bank account was linked to my XXXX. I never received the merchandise and so I contacted XXXX, investigated and stated the merchant was fraudulent and refunded me for. I then immediately removed my linked Chase checking account from XXXX because i knew my information may have been compromised t that loint. On XX/XX/21 two unauthorized debits from XXXX occurred on my Chase Bank which is the account that was linked through XXXX but I didn't use my Chase account to make this purchase. The first fraudulent charge was for {$17.00} and the second one was for {$16.00}. I called Chase reported the fraudulent activity and they reissued me another card. I even told them about the situation with the fraudulent merchant and asked Chase if my checking account was compromised too. They said no it wasn't and just reissued a new card. On XX/XX/21 I noticed three more unauthorized transactions on my account. The first one for {$15.00} and then second {$14.00} both from XXXX and another {$1600.00} unauthorized payment transaction. The {$1600.00} transaction looks like it was sent to me but it wasn't. The fraudulent merchant gained access to my Chase account from XXXX and stole {$1600.00} from me. I called Chase filed a claim and they took care of the small claims but said the {$1600.00} was authorized and they reversed the {$1600.00} credit after denying my claim. This is fraud and unauthorized and I am beyond frustrated I have been with Chase for over 10 years and they did not protect my account. I feel this unacceptable and unfair to me as a consumer.
Consumer complaint received 2022-08-23
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. (CA)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2021-03-20
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 : I am writing to dispute a fraudulent charge on my account in the amount of {$3700.00}, {$7200.00}, {$2500.00}, {$7300.00}, {$0.00}, {$0.00}, {$40000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3700.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7200.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7300.00} -This is not my account. 

5. XXXX XXXXXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO LOAN OR LEASE 6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$40000.00} -This is not my account.
Consumer complaint received 2019-05-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (AZ)

I lived in an Apartment Complex called XXXX @ XXXX XXXX in XXXX, XXXX. from XX/XX/2017 to XX/XX/2017 and had to move back to XXXX for a Job Transfer. I went to the office and spoke to the Property Manager to let her know I have to transfer back to XXXX for my job. She told me that if they could lease out that Apartment before 30 days that I would not have to pay the break lease fee. I have a neighbor that lived next to me tell me that someone was living in my unit within 2 weeks of me moving out. So I should not have to pay any break lease fee. In the meantime I have a collection on my credit report from " ProCollect '' for {$2100.00}. They call 2-3 times a day leaving nasty emails. I've disputed this with the Credit Bureaus and have not gotten anywhere. I've told Pro Collect that I will not pay this due to I don't owe any money to this Apartment Complex. Now I can't get an Apartment in XXXX XXXX because this is showing on my credit and has damaged my renting portfolio.
Consumer complaint received 2021-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 


This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am
Consumer complaint received 2022-12-12
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: Lockhart, Morris & Montgomery Inc. (NJ)

After reviewing my credit profile XXXX, I identified a discrepancy with the account listed below and requested validation as this was an account I did not recognize. Its been over a month and I still have not received any correspondence from the creditor validation that the account belongs to me. I reviewed my credit report again XXXX and the account is still reflected on my account. I sent a second letter of debt validation and have yet to receive any debt validation. I do not believe this account belongs to me, nor do I believe that the creditor has the authorization to access this account or authorization to attempt to collect on this account. this account continues to negatively affect my credit profile. Please remove this account from all three credit bureaus.
Consumer complaint received 2022-08-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC (NJ)

I had a car load with Westlake Financial Services. The loan was paid off but there were fees unpaid totaling {$350.00}. They sold this debt to XXXX XXXX XXXX who in turn sold it to XXXX XXXX XXXX. I was contacted by XXXX to settle for 40 %. I made the payment on XX/XX/21 in the amount of {$140.00} which is what they asked for. I was informed they will notify the creditor and I will receive my title. I never received the title and then the car was stolen XXXX of this year. I reached out to Westlake Financial first and they said they were never notified of the debt being paid. I then reached out to XXXX  who said they sent all their records to XXXX. I then reached out to XXXX who told me XXXX still has records and can supply me with them. I have been calling for months and its just a circle of no one helping me and I still can't get my title.
Consumer complaint received 2022-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (FL)

I complained to Citibank about XXXX XXXX charging unauthorized charges specifically. I complained to Citibank. I am honestly sick and tired of free trials that turn out to be scams. I told Citibank that I was removing my card number from XXXX XXXX. I honestly don't know how XXXX got a hold of my new debit card number but I suspect when I went to pay for something XXXX XXXX captured and stored this information. I am XXXX. I live on a pension. Citibank made my checking account disappear and did something I don't know what to my debit card. When I called Citibank it has already been an hour and a half while they shuffled me around departments. I pay a {XXXX} checking card fee a month. I have direct deposit for my retirement funds. Citibank seems only to have customer service in the XXXX and it appears that citibank loves to pick on and discriminate against XXXX old women. They did all of this without telling me. I am really really upset. I am tired of banks being bullies. I took my account number off XXXXXXXX XXXX. I think something has to be done about the greediness of the tech companies. For some reason Citibank gave priority to paying XXXX. I have been on the phone to someone in the XXXX for 1 hour and 40 minutes. I never agreed to paying XXXX. I think that is a waste of money quite honestly. I did everything I was supposed to do on my end. I feel that Citibank is punishing and retaliating against me. They did not notify me. Honestly I am sick and tired of Banks and their lousy customer service. I lost two people in my family over Covid Something I think Banks with their extremely short memories seem to have forgotten.
Consumer complaint received 2022-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have 4 previuos employer listings that are wrong and need to be deleted and 2 previous addresses that are not mine and 1 name that is wrong and unauthorized inquiries that need to be deleted. Several accounts that do not belong to me and some marked late that are not correct and one that is marked charge off that is not correct
Consumer complaint received 2022-08-23
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. (MD)

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 XXXX 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 XXXX now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
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: Experian Information Solutions Inc. (CA)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX has 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 2022-08-11
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. (TX)

n accordance with the Fair Credit Reporting act XXXX Account XXXX  XXXX XXXX XXXX XXXX XXXX # XXXX, has 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 2021-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (OH)

Chase I paid off my credit card on XX/XX/21. I then had a {$210.00}. Credit on my account. The next day they added {$130.00} fees + {$25.00} Fees. When I called I was told it was from XXXX XXXX and XXXX fees they are putting on my account. They lied and said they tried to reverse it but can't .before I even asked.
Consumer complaint received 2022-01-04
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: Experian Information Solutions Inc. (FL)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2019-05-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Carter-Young, Inc. (GA)

I received an email about a new item on my three major credit reports. There is a collection company named Carter-Young , Inc., located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX, which reported an account in collections. This company never notified me of said debt. They have never given me verification of the said debt but reported to XXXX, XXXX and XXXX unlawfully.
Consumer complaint received 2019-05-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TN)

I opened a PayPal account, with the email XXXX XXXX XXXX. Two transfers were made to that account : one for USD {$25.00} and another for USD {$10.00}. 

Subsequently, PayPal wrote me an email stating that I should attach some identity documents and others, verifying that the transactions are lawful. 

The documents were sent to PayPal, as requested. 

Subsequently, PayPal has indicated that my account is closed. That I will not be able to send or receive money and that USD {$33.00}, I will only be able to claim them for 180 days. 

I consider that it is an abusive policy. I agree PayPal is not obligated to have me as a customer, but must return my money immediately. 

At this time my account is suspended, but PayPal retains the money. 

This is a common practice of PayPal, which benefits him because even within 6 months users can claim their money, but meanwhile, they do not pay interest on the money withheld. 

On the other hand, PayPal, before opening the accounts, should ask for the documents and before accepting the transfers, ask about the origin of the resources and decide whether to accept them or not, so as not to harm the users.
Consumer complaint received 2021-06-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Paypal closed my account for no reason and could not help me getting it back and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get any help from them. I just remembered I could file a report here as I feel they are not doing their job appropriately as it has really affected me a great deal especially during these hard times as I have been using PayPal frequently. I'm really suffering as I can't even withdraw funds from my account. My email linked to PayPal is XXXX.
Consumer complaint received 2022-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (FL)

The pandemic had just begun and I missed a single credit card payment Ive had this card for almost 3 years now and its the only missed payment Ive had. I called Chase to ask for them to remove it and they said no. So I was hoping you could do something about it.
Consumer complaint received 2019-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: STATE FARM BANK, FSB (PA)

State Farm Bank has had incorrect contact information for me for years, making it so that I have NEVER ONCE been contacted about any past due payments, collections, etc. The company has also been giving my financial information to another person without my knowledge or consent. I contacted them to update my contact info over a year ago and nothing was changed
Consumer complaint received 2019-05-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo is the mortgagee and mortgage servicer of a deed of trust executed on XX/XX/XXXX granting a lien against my property located at XXXX XXXX XXXX, XXXX XXXX, TX XXXX ( known as XXXX XXXX, TX ). Legal description -- Lots Number XXXX and XXXX ( XXXX & XXXX ), of Replat No. XXXX of XXXX XXXX, a subdivision in XXXX County. 

The amount financed was {$160000.00}. I am requesting that Wells Fargo provide a detail statement of all payments received during the life of the loan. Loan Number XXXX. I want to see payments and how they contributed to the reduction of the principal balance. 

Wells Fargo transferred the loan to XXXX XXXX XXXX without showing all payments applied. As a result XXXX XXXX XXXX initiated a foreclosure sale on XX/XX/XXXX. Please have Wells Fargo show the principal balance at the time they transferred the loan to XXXX XXXX XXXX. The current principal balance with XXXX XXXX XXXX is showing {$160000.00}. From XX/XX/XXXX up until now that means I have paid only {$3800.00} on a loan I have had eighteen years. 

What kind of loan is this? Interest only? 

During the hardship of Hurricane IKE the government had declared this property a natural disaster. Did Wells Fargo follow all the guidelines for Storm Victims. 

As of now Wells Fargo says the property does not belong to me but I have to pay all the bills ... I am the named Buyer/Borrower but the named owner is someone else.
Consumer complaint received 2019-05-04
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: WELLS FARGO & COMPANY (IL)

It looks like a bunch of car dealerships pulled my credit report which was not authorized. I have a new car that I bought two years ago and I am not and will not be looking for a new car anytime soon. This was done without my authorization and obviously constitutes fraud
Consumer complaint received 2021-08-02
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. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it XXXX that you have on file for the account listed. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.
Consumer complaint received 2022-08-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Upgrade, Inc. (CT)

I contacted Upgrade shortly after opening a credit card account because they were very deceptive in trying to force me to sign up for auto-pay. That was almost a month ago. I paid off the small balance immediately and have made at least 6 calls since then, demanding they close the account. Each time they say it will be few business days. The account still shows as active as of today. They simply refuse to close it and openly lie on the phone.