davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (ID)

I am dealing with this debt collector named " Receivables performance ''. I don't recognize the debt so i asked them for a debt validation letter many times but they did not provide me with it. it seems like the reps don't even know what the debt is about, no information to provide.
Consumer complaint received 2022-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TX)

My family and I have all had a similar experience recently where Chase has decided to close our accounts, mostly without notification, and subsequently said that the balance would be mailed to the address listed on the account. On XX/XX/XXXX, I discovered that my Personal Checking account was shut down because of a failed XXXX payment. I was not previously or since notified of its closure. My mother went to a Chase branch, as all of her accounts had been locked out. She was told by the bank teller that the balance of MY checking account was to be sent to our home, but could not explain why her name was on my account ( college checking, not high school/minor ). It is currently XX/XX/XXXX, and I have still not received the balance of my account and there is still no notification of the closure of my account. Today I went to withdraw my money from my savings account, as I am moving banks, and I went through most of the process before the manager had to override due to the quantity of money. After this, she pulled me aside to tell me that they were mailing me the balance of my account, but claimed that it was only {$0.00} anyway. The account had {$10000.00} in it, as per my app ( I have photo evidence ). To my knowledge, I have never made a withdrawal from this account, so the amount given is very obviously wrong to me. I was informed at the branch that the savings account had been shut down, which I had once again not been at all notified of. 
My entire family has endured similar account shutdowns, without notification or a given reason. These accounts were able to be recouped in value by cashiers checks, as they were emptied before they were closed but after they were locked out for supposed fraud.
Consumer complaint received 2019-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Berlin-Wheeler, Inc. (Kansas) (LA)

XXXX XXXX is reporting that my account was turned over to a collection agency and they never once sent me a final bill. They came and picked up all of the equipment and I was told Id receive my final bill. I got a receipt for the equipment picked up by the XXXX representative and theres NO WAY that my bill is {$580.00}! It was less than {$360.00}. I have also attached the contact info of the XXXX representative that came on XX/XX/2019 and picked up the XXXX equipment.
Consumer complaint received 2022-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Accounts Account Name : XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX  Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

I also read where I can get the updated report after you investigate this from the XXXX XXXX guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 

Thank you for your time and help in this matter.
Consumer complaint received 2022-07-07
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. (NJ)

Please provide original copies of the contract with my signature on them, the same you utilized at the time of reporting these items and these alleged obligations on my consumer report. 

Please see attached.
Consumer complaint received 2022-04-01
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I came across paperwork from XXXX for two IRA certificates of deposit that had been gifted to me. The amounts on the accounts were approximately {$330.00} and {$330.00}. The accounts were at XXXX XXXX XXXX  XXXX Chicago. According to the FDIC, that bank merged into Bank One which then merged into JP Morgan Chase. 

I made an appointment and went to a branch in XXXX XXXX, sitting down with XXXX XXXX XXXX on XX/XX/XXXX at XXXX pm XXXX with the paperwork. He informed me that he could not find the accounts in their system and that there was no recourse to research what happened to the accounts. 

I later called customer service for Chase that same day and spoke with a woman who identified herself as XXXX at approximately XXXX pm PST. She also said she could not find anything in her system. Moreover, she stated that there are no accounts older than seven years and that there was no recourse to research or find this account. 

That strikes me as untrue inasmuch as an IRA is meant to be held for a long period of time. Moreover, an IRA XXXX should be a liability that was assumed during the mergers and the accumulated interest should be significant by now.
Consumer complaint received 2022-07-07
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: Avant Holding Company, Inc. (NC)

I was initially contacted by Avant on Thursday, XX/XX/XXXX. Initial contact was made by their fraud department to verify three charges that were flagged as suspicious. I identified all three charges as fraudulent and not made by me and they responded that they would research them further. Since then the charges have moved from pending XXXX accepted and now my account shows that I owe {$270.00} which was the total for all three fraudulent charges. These charges were all done in even amounts and seem like they were sent to individual people somehow. I called again the following day which was a Friday to confirm that the charges had been removed from the account and they advised me that they were still investigating. After hearing nothing I again called today XX/XX/XXXX to ask what the latest was on this case and was advised that I would have to pay for the charges and if they were found to be fraudulent they would refund my payment. This is unacceptable and as a result, I advise them that I wish to close my account. According to XXXX XXXX liability protection policy I should not be held responsible for unauthorized transactions and in this case, Avant is holding me responsible for transactions that were not made by myself. I did not make these charges on my card and am a victim of fraud and Avant is still making me pay for charges on this card.
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

As a lawful consumer Ive been violated of my rights due to the fact the consumer reporting agency and/or data furnisher of the company attached to this complaint is not reporting 100 % accuracy across my credit file. I have attached photo proof of the inaccuracies I mus add in detail that on this photo I've circled in yellow months that this company hasn't reported no data to bureaus and payments was made on-time and paid as agreed. Thats a perfect example of how unaccurate the data-furnished could be! I've also mark with a red X the late payments this company is also reporting that are also unaccurate and I am aware the creditor must report 100 % maximum accuracy or information shall be modified.
Consumer complaint received 2022-07-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (NC)

I have home Mortgage with Truist bank. I never have any missed payments and have automatic draft payment for my monthly payment directly from my bank account. On XX/XX/2022, because I had excess of {$7400.00} in my escrow account - Truist sent the check but it was sent to wrong address. In XXXX, I called Truist on their customer help like ( only way you can talk to someone ). After taking to the agent for 1 hour, agent initially declined to resend escrow check back and then at the end after talking to supervisor, agreed to resent to correct address. On XX/XX/XXXX, Truist bank, instead of sending check for additional escrow, debited {$7400.00} additional money towards principle without my approval. I am tired of reaching out to front like telephone operators from Truist who never understand the issue and incorrectly auto drafting money from my bank account. I am tired of Truist bank - will never bank with them again with such type of customer service.
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Cascade CISS Holdings, LLC (TX)

The credit plus company has been running my credit now for 2 times XX/XX/XXXX and XX/XX/XXXX I have not authorized any transfer or that they charge my credit and they have done it twice, I called the company and they do not help me
Consumer complaint received 2021-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

I reviewed a copy of my credit report and the following companies ran an unauthorized credit inquiry on me on : 1. XXXX  XXXX XXXX-Date of Inquiry XX/XX/XXXX 2. XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX 3. XXXX  XXXX Date of Inquiry XX/XX/XXXX 4. XXXX Date of Inquiry XX/XX/XXXX 5. XXXX XXXX Date of Inquiry XX/XX/XXXX 6. XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX 7. XXXX  XXXX- Date of Inquiry XX/XX/XXXX 8. XXXX/XXXX- Date of Inquiry XX/XX/XXXX I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.
Consumer complaint received 2022-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Hello and to whom this message XXXX concern, The credit bureaus ; XXXX, Experian, & XXXX stated my account was properly investigated but how is that possible if across my credit reports I still have inaccuracies : Personal Information - x XXXX inaccurate errors - Spelling of Name - Also Known As - Date of Birth - Current Address - Previous Address Debt Collection Agency XXXX XXXX CO XXXX x XXXX inaccurate errors - Account Type Detail - Monthly Payment - Balance - No. of Months ( terms ) - Past Due - Payment Status - Last Reported - Comments - Date Last Active - Date of Last Payment - XXXX Year Payment History ( XX/XX/XXXX - XX/XX/XXXX ) This is grounds for liability and/or removal. 

I wanted to reach out and get support for a remedy. These actions have stifled my ability to purchase a home and created multiple instances of inaccurate and defamatory account reporting against me. Every month from XX/XX/XXXX up to the present, I have been contacted by this debt collector and none of the bureaus supported my equitable action as required by law and use of diplomatic request to remove the inaccurate information being reported on my credit report. 

XXXX has been aware of this dispute regarding the accuracy of this information since XX/XX/XXXX at XXXX PM with XXXX tracking # XXXX. 

Experian received the notice of personal information update from me on XX/XX/XXXX at XXXX PM with XXXX tracking number # XXXX. 

XXXX received the notice of personal information update on XX/XX/XXXX at XXXX PM with XXXX tracking number # XXXX. 

I have not received any information back from the agency or any of the bureaus regarding this. In the included PDF is evidence that I had made the effort to resolve this issue on my credit report without undue stress or drama but this XXXX XXXX CO or the credit bureaus have yet to follow the law! I'm reaching out to you for help because I understand that you can assist me in this matter.
Consumer complaint received 2019-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

THE DISPUTED ACCOUNTS ARE INACCURATELY PLACED ON MY CREDIT REPORT, PLEASE REINVESTIGATE AND HAVE THOSE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. THE XXXX ACCOUNT WAS REMOVED OFF MY CREDIT, IT REAPPEARED AGAIN WITHOUT MY KNOWLEDGE, PLEASE HAVE THOSE NEGATIVE ACCOUNTS COMPLETELY OFF MY CREDIT FILE. ATTACHED ARE REPORTS SHOWING THE ACCOUNT WAS NOT REPORTING ON MY CREDIT.
Consumer complaint received 2019-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

THE DISPUTED ACCOUNTS ARE INACCURATELY PLACED ON MY CREDIT REPORT, PLEASE REINVESTIGATE AND HAVE THOSE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. THE XXXX ACCOUNT WAS REMOVED OFF MY CREDIT, IT REAPPEARED AGAIN WITHOUT MY KNOWLEDGE, PLEASE HAVE THOSE NEGATIVE ACCOUNTS COMPLETELY OFF MY CREDIT FILE. ATTACHED ARE REPORTS SHOWING THE ACCOUNT WAS NOT REPORTING ON MY CREDIT.
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

i reviewed my XXXX XXXX credit report dated XX/XX/2022. After review I noticed three accounts that any and all fields that had a date did not match what the other agencies had in their records. These accounts are XXXX XXXX XXXX XXXX  account number XXXX XXXX XXXX  Acct number XXXX and XXXX XXXX XXXX account number XXXX All three accounts have very different dates in all date fields across all bureaus. 
I sent certified letters to the three bureaus asking them to go back to the respective creditors to get the correct information updated. to investigate what were the correct dates as the should all have the same start and end dates for example. 
Its " well over the 30 days now for all letters received. As of the XX/XX/XXXX credit report there has been no change to these accounts that i can see all fields that require a date have different dates from the other bureaus. 
Please look into this situation as soon as possible. It is my belief that these accounts should have the same information. 

Please advise
Consumer complaint received 2022-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have a hard inquiry on my credit report due to a lending company running my credit for a mortgage. That was not me. I have not been looking for credit, a house etc. Someone has used my information and it has gone on my credit report.
Consumer complaint received 2022-09-19
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. (NV)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX Account # 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 2022-12-12
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. (NC)

The only credit card I have that has accurant information is XXXX. The rest of the cards are inaccurate. I spent about {$300.00} on the XXXX card and realized somebody used my information and max it out. I got a strange text regarding this matter a while back but never really thought about it until they informed us of many accounts getting scammed. I recently was able to get XXXX removed from my equifax and need it removed from XXXX and XXXX ASAP. There was a previous address from XXXX XXXX that was on my credit report then my XXXX account got hacked and used my identity. I'm a young mother and this has damaged my life and my credit score ALOT. My XXXX  account mention that my personal information is at risked as well.
Consumer complaint received 2022-12-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

In Accordance with the fair credit reporting act XXXX  XXXX XXXX  has violated my rights. I simply went in to apply for an apartment now months later I have a inquiry on my credit saying I owe {$1500.00} dollars!! THIS IS COMPLETE FRAUD I NEVER SIGNED A LEASE AND I HAVE DOCUMENTATION OF THE COMMUNION BETWEEN XXXX AND XXXX XXXX XXXX XXXX STATING THAT I DID NOT WISH TO GO THROUGH WITH THE PROCESS BECAUSE I CHOSE ANOTHER APARTMENT WHICH I RESIDE NOW I AM TRYING TO GET A HOME LOAN AND THIS POPS UP I WILL BE FILING A LAWSUIT THIS IS COMPLETE FRAUD AND THE FACE TGAT MY INFORMATION IS THIS ACCESSIBLE BY YOUR EMPLOYEES IS UNACCEPTABLE 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 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

I recently filed a complaint on an account stored on my credit report with Experian and XXXX XXXX. Experian just sent me an update stating that the dispute is closed, and XXXX XXXX verified the account. I know I made the payments on that account in XXXX XXXX XXXX. Once again by law, I have the right to have the dates validated by the Data XXXX reporting me on my credit report, which would be XXXX XXXX and Experian. By law VALIDATION not VERIFICATION would be the bank statements from XXXX XXXX showing I didn't make the payments. I want my VALIDATION which I'm entitled to. If XXXX and Experian don't provide that they would be in DIRECT VIOLATION of the Law.No one should be able to break the American Law. Without that VALIDATION experian and XXXX would be False Reporting, which is a violation of the law. by other means, Experian and XXXX are reporting this account without my written consent. I HAVE THE RIGHT TO MY PRIVACY WHICH THE LAW GRANTS ME. PLEASE CAN XXXX AND EXPERIAN PROVIDE ME AND THE CFPB WITH THE WRITTEN CONSENT OF MY STATING TO FURNISH THIS ACCOUNT? EVERYTHING EXPERIAN AND XXXX HAVE BEEN UPDATING TOME IS FRIVOLOUS DUE TO THE FACT I VALIDATED AND HAVEN'T RECEIVED ANYTHING BUT FRIVOLOUS STATMENTS. AS STATED IN THE FCRA LAW THE CREDIT BUREAUS SHOULD TREAT ME WITH THE RESPECT THAT A CONSUMER DESERVES, WHICH I FEEL AS THOUGH I'M NOT BEING TREATED WITH THAT RESPECT. EXPERIAN AND XXXX ARE BREAKING SO MANY LAWS AND GETTING AWAY WITH IT. AT THIS TIME I'M GIVING XXXX XXXX XXXX PERMISSION TO SPEAK AND ACT UPON MY BEING. YES, I'M FAMILIAR WITH THE FCRA LAW AND THE FTC LAW, IF I HAVE THE RIGHT TO MY PRIVACY I WOULD LIKE THE XXXX XXXX ACCOUNT REMOVED IN GENERAL FROM MY CREDIT REPORT. ALSO, EXPERIAN AND XXXX CAN EVEN VALIDATE NOT VERIFY THIS ACCOUNT, WHICH SINCE THEY ARE HOUSING IT THEY MUST HAVE THE VALIDATION TO PROVIDE ME. WHEN FILING A DISPUTE WITH THE CREDIT BUREAUS ONLINE YOU ONLY HAVE XXXX SPACES TO TYPE YOUR COMMENT, WHICH IS NOWHERE NEAR ENOUGH SPACES. PLEASE STOP LETTING EXPERIAN AND XXXX BREAK ALL THESE LAWS WITHOUT NO ACTION BEING TAKEN AGAINST THEM.