davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (FL)

I believe Chase bank to be using deceptive practices with their ATMs to steal cash from people. On XX/XX/XXXX  around XXXXXXXX XXXX XXXXXXXX I attempted to deposit {$450.00} to a Chase ATM located at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX but the ATM did not credit the money to my bank account. The ATM showed an error on the screen and produced a receipt telling me to call a toll free Chase number ( XXXX ) XXXX to ensure that the money deposited to my account. I was surprised that the ATM machine did not show me a screen confirming the amount of cash that I inserted nor printed this quantity on the receipt. Frustrated, I went into the branch and asked the supervisor why the funds hadnt appeared in my account yet. She informed me that such errors do occur at Chase ATMs and to call Chases claims department to file a claim for the missing cash. This is the first time I have ever had an issue with an ATM in my life. 

I gave the Chase claims department the ID number of the ATM which the branch supervisor told me was XXXX and the Chase claims department asked me if this was in XXXX XXXX, FL. I repeated to them that this was in XXXX XXXX, FL and that I was concerned about leaving the branch without the money appearing in my bank account. The Chase claims department told me that I would receive a credit to my account within 2 hours and that the money would be credited to my account in 12 hours. Luckily, the credit did end up in my account as described. 
However, ATMs should not be taking peoples cash without 1 ) providing an on-screen confirmation of the amount inserted 2 ) giving the customer the option to recover their cash if the ATM has an error 3 ) printing a receipt with amount deposited. This the trustworthy and typical practice of ATMs per my lifetime experience. 

Furthermore, this complaint is to require more accountability that Chase bank employees are responsible for the banks practices! No employees accepted responsibility for Chases error, so I believe it to be a systemic failure of the bank as a whole to build trust with their customers making deposits. Chase branch supervisors should be able to resolve ATM issues by calling Chase leadership themselves instead of directing customers to do so. Otherwise, supervisors are simply a guise of accountability to customers in these circumstances.
Consumer complaint received 2020-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.
Consumer complaint received 2023-01-09
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. (IN)

In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C. section 602A states I have the right to privacy. 15 U.S.C. section 604A section2 also states a consumer reporting agency can not furnish an account without my written consent. In accordance with the fair credit reporting act, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C. section 602A states I have the right to privacy. 15 U.S.C. section 604A section2 also states a consumer reporting agency can not furnish an account without my written consent. furnish an account without my written consent. 



In accordance with the fair credit reporting act, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C. section 602A states I have the right to privacy. 15 U.S.C. section 604A section2 also states a consumer reporting agency can not furnish an account without my written consent. Furnish an account without my written consent.
Consumer complaint received 2020-06-25
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: Nelnet, Inc. (PA)

Thank you for reviewing the complaint. After reviewing the credit profile, Nelnet continues to report account XXXX repeatedly. According to FCRA the method of reporting is illegal and inaccurate. The multiple accounts display as if 26 late-payments, instead of two late-payments.

The method of reporting continues to compromise credit score and creditworthiness.
Consumer complaint received 2023-01-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (GA)

My wife 's credit card with Barclays, for which I am an authorized user, was closed on XX/XX/2020 with no prior notice. She did not have a balance on the card and it was closed for non-usage. Once she became aware of the closure, less than a week later, my wife and I immediately contacted Barclays where they informed us that it could not be reopened and suggested that she reapply. Barclays stated that one notice was sent informing us of the upcoming card closure, a notice we did not receive. The unreceived notice should not come as a surprise because of the current pandemic, it was at the height of the holiday season coupled with known issues with USPS. Simply reapplying would not be sufficient because my wife loses all the positive history she has built on her credit reports when they hastily closed the card and that can not be regained on a new card. I attempted to contact upper management with limited success via email. I sent emails to XXXX XXXX and XXXX XXXX with Barclays. I received a response from the Office of the President at Barclays who was overseen by XXXX XXXX. The response indicated that further correspondence would continue through XXXX, which provides mediation software. The email that I used was not compatible for XXXX so I reached out to Ms. XXXX to see if the resolution could simply be sent to another email address of mine. Ms. XXXX and no one else at their XXXX, Delaware location never replied to my emails after that moment. My wife and I still simply wish to have the card reopened with her continued history. If she had not been a minority and other protected classes I severely doubt her card would have been closed.
Consumer complaint received 2023-01-09
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. (IN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc. (GA)

I AM REQUESTNG THE AMOUNT OF A FRAUD ACCOUNT WHICH WAS LISTED WITHIN MY BR CASE. XXXX, THE TRUSTEE REFUSED TO INVESTIGATE THIS ACCOUNT. I FILED BR BECAUS OF THE FRAUD. YOUR COMPANY FILED A BR CLAIM IN THE AMOUNT OF XXXX. ALTHOUGH, A FRAUD ACCOUNT THE BALANCE WAS NOT BE XXXX I WAS PROVIDED WITH THE AMOUNT WHICH WAS PAID TO YOUR COMPANY BY YOUR BR OFFICE. THIS CONSTITUTES BR FRAUD AND ALL WILL BE HELD ACCOUNTABLE. ALTHOUGH THE FRAUD ACCOUNT MAY HAVE BEEN DISCHARGED OR PAID, I AM IN NEED OF THE TOTAL AMOUNT OWING ASAP. I WILL COMPARE IT TO THE AMOUNT QUOTED TO ME. 

IT APPEARS COURT STAFF HAS ENGAGED IN UNETHICAL ACTIVITIES AS THE SITUATION AND NUMBER ARE NOT ADDING UP. THIS TRUSTEE HAS ALSO UTILIZED THIS SAME COMPANY TO COLLECT ON FRAUD CC ACCOUNTS WHICH S VERY SUSPICIOUS. NONE WERE PAID BUT DISCHARGED, BUT WHEN I SPOKE TO EACH BR DEPARTMENT A NUMBER WAS GIVEN WHICH WAS COMPLETELY DIFFERENT. THIS INDICATES THIS IS AN INTERNAL OPERATION.
Consumer complaint received 2022-07-14
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. (GA)

I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : Transunion : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (FL)

My XXXX XXXX is currently going through a merge. Customers were not able to make payments for weeks online but could in store. I made two payments in store with cash on XX/XX/22 for {$250.00} and XX/XX/22 for {$310.00}. Neither of those payments have been posted to my account but my payments I did online have. Every time I call customer service they either dont put me on hold and the call hangs up or no one picks up the phone and I sit on hold forever. Today I got through and they said they didnt see the payments. I told them I had receipts for these payments and when I asked to speak to a supervisor because the employee ( XXXX I believe was his name ) was not understanding me the supervisor XXXX XXXX I believe was her name or something similar ) just told me to wait a few days. I was also charged a finance fee even though card holders were told finance fees wouldnt be charged during this time because payments werent posting. They have been doing nothing to help accommodate these issues for their customers. I work at a XXXX XXXXXXXX as well and have heard customers upset about their payments as well and customer service is not doing anything to help.
Consumer complaint received 2020-06-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BALANCED HEALTHCARE RECEIVABLES, LLC (NY)

I was contacted by mail by Balanced Healthcare Receivables, XXXX NH In the letter says that XXXX XXXX placed it with them. 

Have asked them to valid the debt, and they have refused, furthermore I stated that I have settled with XXXX XXXX of XXXX XXXX all charges and made a lump payment covering all charges. 

I have met abusive and obnoxious people at Balanced Healthcare, whom they accuse me of committing criminal acts, and have violations of the Fair Debt Collection Practices Act. including attempting to collect debts not owed and illegal communication tactics. I followed with a email to XXXX and no one has responded.
Consumer complaint received 2022-07-17
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-09
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. (ID)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-14
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: PORTFOLIO RECOVERY ASSOCIATES INC (UT)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2021-06-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

On XX/XX/2021, I notified credit reporting agencies that they violated the 15 us code 1681 and 15 us code 1681b ( FCRA ). This greatly affects me with my credit dealings because this makes it harder and time-consuming to transact, It goes without saying that I want this to be fixed.
Consumer complaint received 2020-07-16
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Recovery Systems (NC)

I paid this company {$290.00} for a {$200.00} loan already back in XXXX of XXXX, i transferred my job to a different Location in Virginia and lived in XXXX Virginia areas. They kept calling me and i told them stop it and paid them with my tax refund that year in XXXX and they're just harrassment in my emails and all. I lost my job due to covid19 and I refuse to pay them again. I don't have documents because I moved to many times. It has now negatively affected my credit reports and scores. I just want them to stop it!
Consumer complaint received 2020-06-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (IL)

Due to covic 19 I applied for US banks modification program for 6 months. The program would expire in XX/XX/2020. I was also told doing this time no payments would have to be made and it would not affect my credit. Once I was 2 months into the program I received calls from debt collectors from US bank. US bank also reported me too all 3 credit bureaus saying that I am 5 months behind on my payments. And reported derogatory credit 120- 149 days late which drop my credit score over 62 points. I was denied a SBA loan and other loans do too there lack of professionalism and inaccurate information. I have called many times in regards to this. I only received the run around and was transferred from departments to another after spending 3 days on phone calls I was told to contact there escalation Department and write a letter. I am self employed and they have harmed me tremendously. my inability to keep my business going has affected me personally as well as financially.
Consumer complaint received 2020-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

I HAVE BEEN A VICTIM OF IDENTITY THEFT AND A LIST OF FRAUDULENT ITEMS HAVE APPEARED ON MY CREDIT REPORTS PER SECTION 605B ... PLEASE BLOCK AND REMOVE THESE ACCOUNTS IMMEDIATELY! 

XXXX XXXX. XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX # XXXX {$610.00} XXXX XXXX # XXXX {$200.00} XXXX XXXX # XXXX {$1400.00} XXXX XXXX XXXX XXXX # XXXX {$270.00} XXXX XXXX XXXX # XXXX {$1300.00} XXXX XXXX XXXX  # XXXX {$420.00} Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  Fraud Victim Assistance Department XXXX XXXXXXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction XXXX s ) that I have made. It is the result of identity theft.

PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX XXXX XXXX # XXXX {$1300.00} XXXX XXXX XXXX # XXXX {$51.00} XXXX XXXX XXXX # XXXX {$65.00} XXXX XXXX XXXX # XXXX {$150.00} XXXX XXXX XXXX  # XXXX {$420.00} XXXXXXXX XXXX XXXX # XXXX {$1400.00} XXXXXXXX XXXX XXXX # XXXX {$200.00} XXXX XXXX XXXX # XXXX {$610.00} XXXX XXXX XXXX XXXX # XXXX {$270.00} XXXX XXXX XXXX XXXX # XXXX {$140.00} Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXXXX/XX/XXXX EQUIFAX XXXX. XXXX  XXXX XXXX, GA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : COLLECTIONS # XXXX {$150.00} XXXX  # XXXX {$65.00} XXXX  # XXXX {$51.00} COLLECTIONS # XXXX {$1400.00} XXXX  # XXXX {$200.00} XXXX  # XXXX {$610.00} XXXX  # XXXX {$1300.00} XXXX  # XXXX {$140.00} XXXX  # XXXX {$270.00} XXXX  # XXXX {$420.00} Inquiries : XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX   XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX