davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-13
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. (NV)

There is a medical bill showing on my credit file with XXXX XXXX XXXX XXXX when I was made aware of this debt I contacted the company and paid it directly. I was told since it was paid they would removed it completely off my credit file and that has not been done.
Consumer complaint received 2021-07-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IL)

Call XXXX  due to them sending me emails about my account. Have the free credit monitoring with them. Gave my member identification with them and the were asking for my name, social security number, and date of birth. They kept switching back and forth from membership department to other departments. Tried to resolve this with them but, no success.
Consumer complaint received 2023-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CO)

On XXXX XXXX, 2023 my account got hacked and initiated a wire transfer of XXXX to a person named XXXX XXXX that i dont know, transfered my XXXX to a account in XXXX XXXX XXXX XXXX I tried to tell chase bank that i dint authorized this and they kept making me file a claim, go to a branch and tell them what happened, i repeatedly say i did not authorize the transaction, and since english is my second language i did not know the difference between a scam and a fraud, i used the word scammed on the first visit but it shouldve been fraud because again, i did not authorize or do any wire transfer what so ever in the bank, the claims department rejected me twice saying " they can not do anything about my money and that i did authorize the transaction, they denied my request and not helping me at all on a fraudulant case. Im  just a working class and XXXX is too big to lose, so id like to get some help from the right people about my case.
Consumer complaint received 2018-11-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

On Friday XX/XX/18 at XXXX I responded to an ad advertising basketball tickets. The seller used these two phone numbers ( XXXX ) XXXX and ( XXXX ) XXXX. He said his name was XXXX XXXX and his email was XXXX.We agreed upon sending the payment via XXXX through my bank JP Morgan Chase. The first name on the receiving account was XXXX As soon as I sent the {$300.00} we had agreed upon for the tickets, he stopped responding to my calls and emails. I have submitted a claim with my bank and am trying to recover my lost money as no merchandise was every exchanged.
Consumer complaint received 2020-08-10
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: SYNCHRONY FINANCIAL (NY)

I have a loan with XXXX XXXX XXXX and SYNCB/CARE CREDIT. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX and SYNCB/CARE CREDIT with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OH)

XXXX  and Equifax are both showing two Bankruptcies on my credit file. I have disputed several times because I know that is not correct. Each time they both indicated it was valid. I disputed the information with XXXX XXXX directly and they indicated they did remove it. The two bureaus have yet to do so
Consumer complaint received 2021-07-12
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC. (FL)

I filed a complaint last week against Ally Financial regarding their collection practice, specifically making numerous calls after being served written notice that I revoked their right to call/text me or others affiliated with me. Ally Financial signed for registered USPS mail on XX/XX/XXXX, indicating they had received the notice of revocation. This morning at XXXX Ally Financial attempted to contact me again via phone calling from phone number XXXX. In the complaint filed last week with CFPB - Ally acknowledged receiving the complaint and were 'working on it '. Apparently they do not care about any complaints and continue to contact me in violation of the FDCPA.
Consumer complaint received 2021-07-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I filed for Chapter XXXX Bankruptcy went through the 3 year payment plan. 

Post bankruptcy discharge my mortgage lender XXXX was not reporting mortgage payments still after 3 years. 

I this reported to the XXXX XXXX and Equifax and furnished by my mortgagee XXXX  statement. Both credit companies did not investigate the validity of the loan, and to date have not reported it on my Credit Report. 

My mortgage was not included in Chapter XXXX Bankruptcy so XXXX should have not stopped reporting them. 

I want these mortgage payments reported on my credit file. 

Like I said I have already provided the credit bureaus with this information and received a response that they were not obligated to report this.
Consumer complaint received 2021-07-12
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: SYNCHRONY FINANCIAL (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2018-11-23
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: DISCOVER BANK (GA)

XXXX has been non-compliant with removing the unverified account DISCOVERBANK which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that DISCOVERBANK was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2021-07-12
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: KEYCORP (NY)

On or about XX/XX/21 I submitted application for a lower rate for my business XXXX XXXX, Key bank was processing a 1st mortgage on a residential property and the branch manager XXXX XXXX XXXX had offered a quote for my commercial property refinance. I submitted {$500.00} good faith deposit. The residential loan did not go as planned and was managed unprofessional and caused undue stress. I decided to withdraw my application on XXXX and requested a refund by email and was declined by Key bank. The reason for the withdraw was due to the unprofessional way the residential loan process was managed and did not want to continue my relationship on the commercial lending side. 
As a local business and account holder I am requesting the refund of the {$500.00}. If the residential loan was managed professionally I would have continued the process in goo faith. In my opinion the bank did not hold up to the good faith. XXXX XXXX
Consumer complaint received 2020-08-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (OK)

On XX/XX/XXXX I was attempting to recover charges made on my XXXX XXXX daughter 's XXXX   Card, I called the number I believed to be XXXX  Support. While I was attempting to get {$14.00} refunded I was directed to make dummy transactions by using XXXX Chase to proceed further services. I was asked to enter verification codes, which were actually the dollar amounts they were scamming from my Chase bank account with XXXX in the Chase App, I quickly realized it was fraudulent & hung up the phone. I immediately contacted Chase on support line & froze the account. I was assured that I had froze the account before any charges were processed. I received an email from Chase Quick Pay Team stating the charges were canceled.This was on a Friday. On Monday I went to the Chase bank lobby and closed those accounts & transferred all of the funds to 3 new accounts. I was again assured by the accounts representative that no withdraws had been processed and I didn't need to be concerned about the charges after opening the new accounts. The next morning ( XX/XX/21 ) I checked my new accounts and realized that the fraudulent withdraws had been processed. I immediately called the account rep who had assisted me the previous day, she assured me that it must be an error and she would check into it. That afternoon I was contacted by the same bank employee that the charges did go through and they could not refund my money.
Consumer complaint received 2020-08-12
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. (TX)

In XXXX of XXXX, I paid my auto loan account off that was held by XXXX XXXX. Upon completing a home loan application in XXXX of XXXX, I was denied due to a derogatory charge off account on my credit report. Upon review, I discovered that my paid in full account for XXXX XXXX  was being reported as a charge off and not as a satisfactory paid in full account as agreed upon with XXXX XXXX. I have contacted the company several times to get this issue rectified to no avail. My final email was forwarded to the company on XX/XX/XXXX and no one at XXXX XXXX is willing to assist with this erroneous information being reported on my credit report. I have a clear title to my vehicle and XXXX XXXX has failed to uphold to the agreement.
Consumer complaint received 2020-08-12
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. (AZ)

US SM BUS ADMIN ODA Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX WASHINGTON DC, XXXX Business. This inquiry is scheduled to continue on record until XX/XX/XXXX. 


this was an unauthorized inquiry On XXXX and XXXX   and equifax but, when I check my credit score though XXXX   ( XXXX XXXX ) It shows US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Who in the XXXX knows why the same bureau reports differently I called the number at Small Business, the receptionist said they had hundreds of complaints and transferred to a line where it said the wait was over 2 hours, I was 109 in line. 

These credit bureaus need to be doing a better job. Now I have a credit alert for their failure and jerk around with credit freeze
Consumer complaint received 2020-08-12
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. (NY)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2019-09-05
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NPAS, Inc. (NY)

This is for XXXX XXXX XXXX XXXX XXXX acct # XXXX. Their billing service is NPAS, Inc., XXXX XXXX XXXX, XXXX, KY XXXX. 

The paper bill sent to me was for {$250.00}. I made, and can verify through my bank and with the NPAS confirmation #, that I made two payments in succession and the amounts were withdrawn from my checking account. Payments were made through their online portal : www.sphp.com/online-payment Payment 1 made XX/XX/XXXX and withdrawn from XXXX account on XX/XX/XXXX : {$50.00}. NPAS confimation # XXXX. 
Payment 2 made XX/XX/XXXX and withdrawn from XXXX account on XX/XX/XXXX : {$50.00}. NPAS confirmation # XXXX Note that NPAS DOES NOT have any way for consumers to check their balances against their crediting payments. 

On XX/XX/XXXX I received a collection notice from a debt collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, NY XXXX XXXX ) for the above account number. That collection notice they sent was for {$240.00}, an erroneous sum sent to them by NPAS. 
I tried to contact XXXX XXXX 's XXXX XXXX XXXX on XX/XX/XXXX and was put on hold for nearly 45 minutes only to discover that their phone lines were down. I called again the following day, XXXX, and was sent to the Collections person, " XXXX '' or " XXXX '', and left a voice message. No return call. I called again today on XXXX and someone in the Central Billing Office told me to pay {$150.00} and that the debt collector had added over {$100.00} in fees, which is a lie. I was again put through to the Collections Office voice mail. The Central Billing person told me that accounts are automatically sent to collections after 4 months even if you are making payments. There is nothing on the NPAS website that tell you that and nothing in the XXXX XXXX 's billing information that tells you that either. 

I called the debt collector, XXXX, etc. ) and was told they could only see that I had one payment on XX/XX/XXXX and there was no evidence I had made the XX/XX/XXXX payment despite my having multiple confirmations from my bank and the NPAS payment portal generated confirmation number. The person I spoke to at XXXX, etc. told me I owed {$190.00}, which is also inaccurate. Yet they were billing me for {$240.00}. I asked if this would go onto my credit file while I was trying to resolve this and she said " maybe. '' I tried to call NPAS and went through their automated system multiple times and was hung up on each time. The message said that the debt had gone to collections and then there was a hang up. 

I have called the hospital to file a complaint against their billing practices. I owe {$140.00} and want to pay that but I am being forced to pay {$190.00} instead. This has to be illegal practice and I really need your help. Thank you.
Consumer complaint received 2020-08-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (TN)

On XXXX XXXX I received a phone call from AFINI stating it was an attempt to collect a debt. I asked the rep to send me a letter and proof of said debt. 

2 weeks later I received a bill from AFNI by way of XXXX. The bill was not enough to verify the account. I have asked for verification but never received anything other than a bill. This account is now on all three of my credit reports and I was not given the opportunity to verify. 

The alleged debt is for the amount of {$530.00}. 

The collection company is also not license to collect in the state of TN.
Consumer complaint received 2020-08-12
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)

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report.
Consumer complaint received 2020-08-12
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: WELLS FARGO & COMPANY (CA)

Despite the multiple previous written requests, the unverified items still remains on my credit report in violation of Federal Law. They failed to MOV and failure to POLP within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor and the credit bureaus, as willful non-compliance. 
Wells Fargo Card Ser XXXX Open Date XX/XX/XXXX Balance {$2500.00} and Wells Fargo Card Ser XXXX Open Date XX/XX/XXXX Balance {$21000.00}
Consumer complaint received 2019-09-05
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. (CA)

XXXX AND EQUIFAX ARE DEPICTING XXXX XXXX, ACCT # XXXX .... 
WRONGFULLY ON MY BUREAU REPORTS. 
THE ACCOUNT DEPICTED IS INACCURATE AND INCOMPLETE.THE REPORTS TO NOT SHOW THE MONTHLY PAYMENT WHICH I PAID BRIEFLY ON THIS FRAUDULENT LOAN. 
THE LOAN APR WAS NOT EXPLAINED TO ME WITHIN THE 72 HOUR RECISSION PERIOD SO THAT I COULD UNDERSTAND THAT THE UNMENTIONABLE UNCONSCIONABLE OVER 100 PER CENT APR LOAN AND DECLINE IT.ATTACHED IS THE COURT ORDER REQUIRING THIS AS A PERMANENT INJUNCTION.I HAVE ATTACHED THE CFPB COMPLAINT AGAINST THE CREDITOR WHO UNSIGNED THE RESPONSE AND REFUSES TO MENTION THE APR RATE OR THE CA SUPREME COURT CASE THAT DETERMINED THE 100 PER CENT PLUS APR LOANS VIOLATE THE CA BUSINESS AND PROFESSIONS CODE.

I HAVE ATTACHED XXXX XXXX XXXX XXXX XXXX, THE CASE THAT THE SUPREME COURT CONCLUDED IN 2018. 
ADDITIONALLY IF THIS HAD BEEN A LEGIT LOAN XXXX SLEPT ON THEIR RIGHTS TO SUE TO COLLECT.THE STATUTE OF LIMITATIONS FOR THIS IS 4 YEARS ... HAS BEEN 6 YEARS. 
XXXX IS DEFUNCT YET STILL FIGHTING IN COURT TO KEEP THE MONEY THEY DEFRAUDED THE PUBLIC. 
THEY ARE DOING A FANTASTIC JOB WITH THE WORLDS BEST LAWYERS. 
IN BOTH CREDIT FILES THE MONTHLY PAYMENT IS NOT REPORTED INTENTIONALLY AND IS A VIOLATION OF THE FCRA.THIS IS DONE INTENTIONALLY SO THAT THERE IS NO RECORD OF THE INTEREST RATE ON FILE ... THE MATHEMATICAL COMPUTATION CAN NOT BE DONE AND THE EVIDENCE IS HIDDEN ... BUT THIS ALONE IS SUFFICIENT FOR EQUIFAX AND XXXX   TO DELETE THE ACCOUNT IN ENFORCEMENT OF THE FCRA THAT THEIR DEPICTIONS MUST BE ACCURATE AND COMPLETE HIDING NO IMPORTANT SUBSTANTIVE INFORMATION SUCH AS THE MONTHLY PAYMENT, PAYMENT TERM AND DATE OF FIRST DELINQUENCY. 
I HAVE ATTACHED THE VIOLATED INJUNCTION, THE SUPREME COURT CASE, THE CFPB RECENT UNSIGNED RESPONSE OF XXXX.I HAVE ALSO ATTACHED MY MEDICAL RECORDS OF MY 4 XXXX. 
THE XXXX CAUSED XXXX AND XXXX  XXXX PRIOR TO THE INCEPTION OF THI S LOAN AND MADE IT MUCH EASIER FOR THIS PREDATORY LENDER TO DUPE ME INTO SIGNING WHAT THEY WANTED.
Consumer complaint received 2021-07-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Credit Karma (CA)

Since XX/XX/XXXX I have requested to receive my XXXX statement, information on the fraudulent findings to file a police report, fraudulent charges to dispute, and other refunds that were accepted by credit karma but not refunded to me? 

My account was closed on XX/XX/2021 by credit karma without notice. Yet refunds and direct deposits are still being accepted by credit karma. 

I have been locked out of my online account and now completely deactivated by credit karma. Blocking me from looking at any of my statements and money account to verify what is owed or any transaction history. 

This has left me with unpaid rent, insurance policies canceled, and the inability to buy basic needs. Stealing from their own consumers is criminal. 

I have attempted numerous times to resolve this and have been left with unanswered calls and emails. I've been told the department that can help me is unreachable by phone only email which never follows up.