davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CO)

Hello, On XX/XX/XXXX my daughter 's cards on my account were stolen from her person as she took her XXXX min walk from the XXXX XXXX in XXXX to her College. I am in Colorado. A number of purchases were made while I was sleeping and she was in class, the were unauthorized fraudulent theft. Early XX/XX/XXXX I called Chase.com to cancel the cards, they had already put a fraud alert on both cards- United ending XXXX and British Airways ending XXXX. Chase 's Fraud operator was efficient and reassuring, together we went through each fraudulent unauthorized transaction and he confirmed they would be removed within 24 hours, he cancelled and expedited new cards now in my possession. XX/XX/XXXX my daughter reported the theft of her wallet and contents to XXXX XXXX Police Department and received an case/incident number. I sent this report with her detailed information in email to Chase.com through the secure message option on my chase.com dashboard, and have continued to email each day for resolution. Today is XX/XX/XXXX. In my communication with chase.com I have included photos of my Chase.com dashboard where I repeat myself to identify all fraudulent unauthorized transactions of XX/XX/XXXX which was first done early XX/XX/XXXX with the chase.com fraud operator. Initially I received an email reassuring me of the Visa/Mastercard guarantee to remove these charges. On XX/XX/XXXX the unauthorized charges were in PENDING mode, then XX/XX/XXXX I noticed some of these unauthorized charges were removed and other unauthorized charges moved to my dashboard current statement so PAID. I have tried to call Chase.com many times since XX/XX/XXXX but they do not have an option for 'speak to fraud department XXXX it is not offered. Each day I have written expressing my concern and listing the fraudulent unauthorized charges on my United and British Airways cards. I receive an endless cycle of auto responses with misinformation of how to speak to someone. This is not acceptable. It is notable that the unauthorized fraudulent now PAID charges are to big corporations, the unauthorized fraudulent charges Chase.com removed were to small vendors, but the big companies unauthorized fraudulent payments have not!! Thank you, XXXX
Consumer complaint received 2021-12-17
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. (OH)

On XXXX I sent a letter regarding unknown inaccurate accounts and inquiries on my credit report and I have yet to receive a response. I feel like I'm being taken advantage of because it has been well over 60 days that my disputes have went ignored! Section 611a plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been well over 60 days, so those accounts should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation because of the XXXX you have caused from blatantly violating my consumer rights. My information was also impacted by the Equifax Data Breach and may have gotten in the hands of the wrong person. This complaint is being filed by myself, not a credit repair company so please don't respond using any false stall tactics.
Consumer complaint received 2020-01-19
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. (FL)

I have been a victim of Identity Theft. I did not Authorize anyone to use my personal information of any kind to open any accounts using my Name and social. this is Fraud.
Consumer complaint received 2022-11-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synovus Bank (FL)

All XXXX credit bureaus is showing several different information. XXXX is showing a balance of {$190.00} with XX/XX/XXXX being my last activity date, XXXX is showing a different last activity date of XX/XX/XXXX while XXXX is showing a balance of {$200.00}. Please investigate and delete.
Consumer complaint received 2019-12-06
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)

The three credit reporting agencies which are XXXX, XXXX, & Equifax have information on my credit that Due to the law & regulations of the FCRA & Debt Collection Practices Act by this financial institution not being able to provide the necessary documents to verify this debt by the law I demand that this account be removed from my credit report from all three credit bureaus ( XXXX, XXXX, & Equifax ). I have been asking the credit bureaus for an actual contract/agreement with my signature according to the Debt Collection Practices Act, section 1692g. 1. The original application or contract. 2.Any all statements allegedly related to this debt. Any & all signed receipts. If they fail to present all the documents I demand that this immediately be removed from my credit report from all 3 credit bureaus. This law is also listed under the FCRA SECTION 609 ( a ) 1 ( A ) you are required by federal law to verify with the physical original signed contract.
Consumer complaint received 2021-12-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (FL)

On XXXX XXXX, 2021, I called Navient and was transferred 4 times due to getting the same department that couldn't answer my question, finally spoke to a XXXX ID : XXXX supervisor from Navient the servicer of my loan. I inquired about why my loan was still charged late fees, and interest, when in XXXX, I had told them that I was having financial issues due to COVID, and they also report my loan delinquent to credit bureau. My loans are XXXX loan FFELP. I asked about why I was being charged late fees, interest and payments, when Congress approved the temporary suppression of charges. First she told me that theses where private loans and I read the qualifications that those loans would have been eligible also. Then she said " well you weren't in default '' The kept giving me forbearance 's to make my account current and out of default so the can charge me interest and late fees. I only new my loan as a non private loan from XXXX, so now all of a sudden they tell me its a private loan. I believe Navient mis-lead me in this whole student loan payment and option process. I asked about settlement as some years ago they offered to reduce some of the interest that was on loan. Then XXXX stated they don't do that, I asked her to go back to my history on their file and she refused. I asked would it not be reasonable to validate what I said by looking at their history, she stated no. This to can be verified as the calls are monitored and record.
Consumer complaint received 2019-12-24
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: EQUIFAX, INC. (PA)

Ive contacted this company and the credit bureau regarding this account which doesnt belong to me and I asked for verification and they were unable to provide it so they deleted it, I received notification that it was deleted but its still on my credit file
Consumer complaint received 2021-12-16
Product: Checking or savings account — Other banking product or service
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: U.S. BANCORP (CO)

I wrote a check to XXXX XXXX for my water bill. I made a mistake writing the check and wrote {$1000.00} in the number part and wrote {$110.00} in the number part of the check. Banks are required to use the number part of the check. XXXX XXXX processed the check with XXXX Bank at XXXX XXXX XXXX XXXX XXXX XXXX XXXX I spoke with XXXX at XXXX bank and was told I was correct and the {$110.00} amount should have been the correct amount. She stated XXXX bank processed the check thru US Bank XXXX XXXX XXXX XXXX on XX/XX/2021 and was told they could not find the money. I have spoke with XXXX numerous times and keep getting the same story. It appears to me as if US Bank and XXXX bank are being evasive about refund my {$910.00}.
Consumer complaint received 2021-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (TX)

SYNCB/AMERICAN EAGLE PLCC listed on my XXXX Credit Report is reporting a payment made on this Charge Off account on XX/XX/XXXX for {$51.00} last payment made on this account was XX/XX/XXXX. This account has not had money sent to it from myself and has been in charge off status since XXXX. Each month they also report activity with Charge off/missed payment. The credit limit listed is {$1500.00} and they are reporting a balance of charge off is {$2000.00} I have disputed this account multiple occasions violating my consumer rights and this company still inaccurately reports damaging my credit score and report.
Consumer complaint received 2022-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (WA)

On XX/XX/2022 I did a mobile deposit in the amount of XXXX this was an expense check sent to me from the company I work for. On XX/XX/2022 someone else produced the same check in the amount of XXXX and mobile deposited it into a XXXXXXXX XXXX with someone else 's name and address on the check. Both Wells Fargo and XXXX allowed an already negotiated check to be cashed. My company has a positive pay system in place so this doesn't happen. So I'm not sure how it was ever approved to be cashed.Furthermore this fraudulent check never hit their account. Instead Wells Fargo deducted the amount out of my account. I have filed four claims on this and each claim has been closed. I even received a copy of the check with someone else 's information on it.
Consumer complaint received 2021-12-16
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. (MD)

On or around XX/XX/2021, I contacted XXXX XXXX XXXX about having troubles making my payments. A few months ago, I had to have an operation due ; however, my insurance didn't cover the operation and I was forced to pay out of pockets expenses. 

I contacted XXXX and informed them of the situation. The representative agreed to push back my loan due date and my credit wouldn't be affected. I made the agreed payment and have been current since. XXXX reported I was late, when we both had an understanding that I would make a payment next Month. At no time was I aware my credit would be reported as late. Since all calls are recorded, I ask that someone replay the phone calls and hear the conversation.
Consumer complaint received 2016-10-26
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One reported a 30 day delinquency on my account. However, they had sent the statement to my old address, AFTER they had already been informed of my new address. 
I 've attempted multiple times to get them to remove the delinquency as it was their fault for sending my billing statement to my old address. I 've attached a copy of my XX/XX/2015 Capital One statement showing they were aware of my new address prior to the billing statement for the " delinquency '' being sent.
Consumer complaint received 2022-11-15
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. (GA)

Equifax is reporting inquiries on my credit report a total of XXXX inquiries that I contacted the company and they have sent in request to have them from Equifax ; XX/XX/2022 I called in to dispute the XXXX and was told by a representative that I Can not file a dispute? And that the information was accurate I asked to speak to the fraud  department and the representative stated that I was speaking to the fraud department but refused to allow me to file a dispute
Consumer complaint received 2021-12-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (IL)

In XXXX 2020 ( can not find my bill ) I went to Best Buy in XXXX XXXX XXXX IL and purchased a gas stove and the matching microwave ( both XXXX black steel ) XXXX At the time of purchased I was offered a one year supporting agreement with the XXXX XXXX and I said no. Then I was told that if I purchased the agreement I would get a discount on the appliances that was a little bit more than the cost of the supporting agreement so I said OK ( I was saving a few dollars ). This year the contract was up for renewal and I told Best Buy I did not want to renew it, however, they went ahead and charged my Best Buy credit card for that contract in the amount of {$260.00}. When I received the first statement from Citibank ( that is the bank that carries the Best Buy credit card, I called and told them I had not made nor had I authorized that purchase. Citibank told me I had to take that issue with Best Buy, Best Buy said I needed to talk to the XXXX XXXX division and after talking to a great number of people, Best Buy finally agreed to remove the charge from my account. However, Citibank refuses to close my account insisting that I must pay them for late charges and the interest a total as of today of {$80.00}. I am refusing to pay for something I did not purchased. I wrote to the XXXX XXXX, Best Buy XXXX XXXX in XXXX, MN ; I copied XXXX XXXX, Best Buy XXXX in XXXX, MN and I have not received an answer from either office. In the meantime, my credit is getting damaged because Citibank has posted my account as delinquent. I need help. I tried to take care of this myself but I am not getting anywhere with Citibank. Best Buy has reduced my credit limit to {$350.00}, when it was a few thousands, which I really don't care because I will never again do business with that store, so I will close my account with them, but I do want my credit report to be corrected. I have not allowed any of my account to go delinquent, ever. I was charged for an item that I did not buy and I did not approved. Please help.
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (OH)

Since XXXX I had made payment arrangements with the company credit acceptance for my car payment. 
The payment arrangements were considered as to breaking initial payment arrangement which was initial car payment regardless of the on time in full payments that were made due to the payment arrangements created the company has shown late or no payment for almost XXXX years and has resulted in damaging my credit and ruining any possibility of me moving ahead. 
The company overcharged me on the XXXX to begin with extremely high interest and one of the few companies that took no regard to the pandemic and in a time or parallel left people with no options.
Consumer complaint received 2019-12-23
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: SYNCHRONY FINANCIAL (CO)

XXXX : On XX/XX/XXXX, XXXX / XXXX obtained a hard inquiry of my credit history. I have never had a business relationship with this company, ever. On XX/XX/XXXX and XX/XX/XXXX, SYNCB / XXXX obtained soft inquiries of my credit history. I have never had a business relationship with this company, ever. 
I investigated these two companies and discovered they are associated with Paypal. I have never had nor do I want a Paypal account. This company has no right to my personal information. 
I demand that XXXX/XXXX and SYNCB/XXXX remove all requests from my history.
Consumer complaint received 2022-11-16
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)

I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intentness to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated as the accuracy and verification of the information. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I need this account corrected at once : XXXX XXXX XXXX
Consumer complaint received 2022-11-16
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: JPMORGAN CHASE & CO. (IL)

Chase has furnished a hard inquiry on my credit report without my written consent. Also credit is my RIGHT. I can not be denied my own credit. A letter was sent in and was received on XX/XX/2022 at XXXX.
Consumer complaint received 2022-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (IL)

I received our Chase credit card bill on XX/XX/XXXX and paid the bill by check XX/XX/XXXX ( along with several other bills that were mailed out that same day ). The due date for the Chase bill was XX/XX/XXXX, so I was well within the recommended window. I noticed on XX/XX/XXXX that the Chase check had not gone through, but all other checks/bills mailed XX/XX/XXXX went through. I called Chase and they said they would refund the late fee but not the interest of {$100.00}. They blamed the postal service and said it happens all of the time. I believe that Chase lost/held my check in order to charge interest, as all other checks sent that day made it to their destination on time, including my auto loan that is also paid to Chase. My bank is showing the check to Chase Credit as pending as of today, XX/XX/2022.
Consumer complaint received 2022-11-16
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. (MO)

I am submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I XXXX take appropriate legal action. Below is the list of the fraudulent items I found on my Credit report. 
XXXX XXXX XXXX XXXX XXXX  MO XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MO XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Consumer complaint received 2019-12-23
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)

After sending information to verify myself with my disputes ( XX/XX/2019 ), Equifax has failed to respond to my latest dispute. They claim not to have a file on me. The inaccurately reporting items below prove they do. They have violated the FCRA, it has been more than 30-days. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX XXXX never late
Consumer complaint received 2022-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Park Hill Holdings (GA)

SafeRent Solution XXXX has assumed a role as a credit reporting and screening company. Were uses be rental agencys submitted a report to XXXX XXXX XXXX suggesting my leasing application be denied based on the report generated by them. 

Data within their report is incomplete and displayed in a misleading way. It appears as if I have an open judgement from 2015 for eviction with a balance of {$4200.00}. This report omits disposition data. 

This is inaccurate and harmful reporting which has caused me harm as with ANY one considering leasing to me would certainly decline the application. Which is exactly what XXXX XXXX XXXX did at the recommendation of this third party company, SafeRent XXXX.
Consumer complaint received 2019-12-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (IL)

I called nationwide credit inc at XXXX XXXX XXXX XXXX at XXXX XXXX cst. informed them of my dispute in regards to a credit card balance that was owed to XXXX, informed them more than 20k is unauthorized charges. They refused to put in my complaint saying the submitted one back in 2014. I spoke with XXXX at extension XXXX, I asked him for the lowest settlement by company policy, he lied and told me about 27k when XXXX was possibly the lowest.