davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/22, I received a text message from what I thought was my bank, Chase, asking me if I am trying to send a wire transfer andto confirm Y or N. I replied N and received another text back that no further action is required. I then noticed a missed call from Chase Bank and tried calling them back. As I was in the process of doing so, I received an incoming call from a person who identifiedthemself as XXXX XXXX from the Chase Wire Fraud Department Badge # XXXX. He advised me that someone named XXXX from XXXX, PA was attempting to wire {$9800.00} from my checking account to his. I explained to " XXXX XXXX '' that I don'tknow this person and I am NOT wiring anyone any money. I have never done so in my life. I was then advised that the wire transferwas in process but did not go thru as it was being reversed by " XXXX XXXX ''. He provided me with a reversal code ( XXXX ) .He also advised me that this reversal has been expedited & the funds will reappear in my account within the next business day. In themeantime, I was advised not to view my account or use my app as this can " compromise '' Chase 's investigation on trying to find outhow this XXXX XXXX could have gotten my information. I was provided a case # XXXX. On XX/XX/22 at XXXX, XXXX XXXX called me again and said that due to it being XXXX XXXX XXXX and the banks are closed, my funds are taking a little longer than expected to be back in my account but he said, " Not to worry, maa'am. As I said, I have expedited this request ''. I was then advised that I will be receiving another call tomorrow, XX/XX/22, from another Chase representative of the Wire Fraud Department between XXXX & XXXX. Needless to say, the call never came through. I went to the bank immediately and that is when I realized I was a victim of a scam/fraud. Please know that this " XXXX XXXX '' knew all of my information, including my name & last 4digits of my checking account #. Chase has been of very little help and seems to just be sweeping this whole ordeal under the rug, stating that I am at fault and I am the one that initiated this wire transfer.
Consumer complaint received 2024-08-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2022-07-12
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 — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO. (GA)

I, XXXXXXXX XXXX  XXXX, consumer, and natural person, I am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). 
JPMCB CARD you have continually furnished a misleading, incorrect information to the credit reporting agencies, this has violated my federally protected consumer rights to fair and accurate credit reporting under 15 U.S.Code 1681 ( a ) ( 1 ). 

Further to the above violation JPMCB CARD you are reporting a PAID account with account number XXXX and {$0.00} ( XXXX ) balance as Collection/Charge-off. 

From the definition of a Charge off account ( XXXX XXXX XXXX Dictionary 10th Edition  ) Charge-off is To treat ( an account receivable ) as a loss or expense because payment is unlikely ; to treat as a bad debt. Furthermore from same Dictionary ( XXXX XXXX XXXX  Dictionary 10th Edition  ) a Bad Debt is an uncollectible, debt and that may be deductible for tax purposes. You have profited from this by means of tax credit and you still report as charge-off. 

This is a notice to CEASE and DESIST. This is misleading and it is affecting my ability to get approved for loan, Mortgage and Credit Card to better my life and family life. It has made me depressed. 

As the consumer and natural person, I am invoking specified remedy and make the following demands : Cease and desist furnishing/reporting to all consumer reporting agencies of the charge-off account that you have already profited from by using as Tax Credit. 
Remove reporting of the charge-off account from all consumer reporting agencies. 
Provide acknowledgment of this official notification. Do not report ANY information bearing my identification again. 

Ignoring this Cease and Desist will be evidence that the infringements were willing, deceptive, and in violation of the FCRA.
Consumer complaint received 2023-05-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NJ)

I have met the requirement under PSLF. For the last six months, I keep being told that my most recent employer, XXXX XXXX XXXX in NJ, is in " adjudication '' and Mohela can't give me any more information and tell me there is nothing I can do about it.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$XXXX} per violation, for account listed without my expressed written consent.
Consumer complaint received 2022-12-02
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. (CA)

I discovered an unauthorized purchase later XXXX. The order was placed on XXXX on XX/XX/XXXX. 

I had called my bank for this unauthorized order. I was given credit to my bank. However a few weeks pass by and the bank gave me a chargeback for " XXXX ''. 

I contacted XXXX and they are trying to give me a refund but can't process since chase bank took over. Chase claims that the items were " shipped '' but there is no tracking number on chase claims or XXXX. I am stuck with XXXX $ from XXXX XXXX. 
XXXX said contact my bank. My bank says contact XXXX. XXXX has nothing on statements. 

I also got an email from XXXX saying they were suppose to issue me a refund for unauthorized purchsse but the seller contacted XXXX  and kept the XXXX XXXX XXXX froze my account. ( XXXX XXXX transaction found can not dispute ) Fast forward to the end of the month and chase still denies my claim/refund. 

I have not recieved a single item from this order. Nor chase or XXXX can help me out. 

1.unauthorized order placed.

2. Notified my bank 3. Credit was given to my bank 4. 2-3weeks later i get a chargeback from ebay.

5. The seller never shipped the items and kept the XXXX $ when im stuck with XXXX $ XXXX XXXX items. The bank claims that i have gotten the sellers merchandise. XXXX has nothing to track. 

Dispute number from XXXX ( helping me ) XXXX Nothing from chase. Just denied help from their customer support service. 

The same day i filed an unauthorized charge the seller from XXXX filed his aswell with XXXX 

There is zero reason why chase gave back the money and both are denying a refund. I have been struggling these past 2 months because of this XXXX order of XXXX XXXX
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : Experian : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

on XX/XX/XXXX I filed a complaint that the consumer reporting agencies did not follow the guidelines set in place to protect my rights from my dispute from XX/XX/XXXX, the consumer credit reporting agencies had had 30 days to conduct there investigation on the following accounts : Account name-NAVY XXXX  XXXX XXXX Account number-XXXX Account type-Credit card Responsibility-Individual Date XXXX Status-Account charged off. {$250.00} written off. {$250.00} past due as of XX/XX/XXXX. 

Account nameXXXX Account XXXX Account type-Auto Loan Responsibility-Individual Date opened-XXXX Status-Account charged off. {$39.00}, XXXX written off. {$39.00}, XXXX past due as of XX/XX/XXXX. 

Account name-XXXX  Account XXXX Account type-Secured Loan Responsibility-Individual Date opened-XXXX Status-Paid, Closed. 


Account name-XXXX Account XXXX Account type- Other Collection Agencies Responsibilty-Individual Date opened- XX/XX/XXXX Status-Collection/Chargeoff inquiries XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX They did not complete there investigation in a timely manner, two of the complaints are still open. the CFPB Failed at investigating the consumer credit reporting agencies because it has now been two months, and no closure. Your company is just letting the consumer reporting agencies do what ever they want with no repercussions. Please investigate there practices of just telling consumers that they are not gon na investigate their dispute because it appears as if the consumer did not write it! Since when do the consumer reporting agencies have psychic powers????? if they can just assume what ever they want then there should not be any guidelines at all because its just a free for all without any enforcement. The Fair Credit Reporting Act, The Fair Debt Collection Practices Act Was Written For A Reason And It Is YOUR Responsibility to enforce it, I demand you do so! The CFPB has failed at enforcing the guidelines that are suppose to protect me. The CFPB is now just as guilty as the consumer reporting agencies. I did not give permission for these accounts to be reported, I did not give written instructions for these accounts to be reported, I was not given three disclosers on these accounts. The Consumer Credit Reporting Agencies are using my information without my permission which is identity theft. so since the CFPB is not enforcing these guidelines that would make your company just as guilty as the consumer reporting agencies at committing identity theft. I demand these fraudulent accounts be removed from my consumer file immediately or I will be seeking legal action against all parties involved!
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) Experian shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX Date Open XX/XX/XXXX Balance {$0.00} and XXXX XXXX XXXX XXXXXXXX. XXXX Date Opened : XX/XX/XXXX XXXX {$0.00}.
Consumer complaint received 2022-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST CITIZENS BANCSHARES, INC. (CA)

I bank with First Citizens Bank. On XX/XX/XXXX my wallet was stolen. I called the police and reported the theft and I have an incident number from the police. 
I reported the card as stolen to the bank online within 2 hours of the theft. Before the debit card was frozen the thief charged 2 transactions at XXXX store. {$860.00} and {$400.00}. 

I called the bank on XX/XX/XXXX and submitted a fraud claim and told the representative that the card was stolen. I was told it would take 7 to 10 business days to resolve. 

On XX/XX/XXXX I followed up with an email and attached a copy of the incident card given to me by the police. I complained about it taking 7 to 10 days. They responded to the email on XX/XX/XXXX indicating it was still being investigated. 

On XX/XX/XXXX I called to check status and was told my claim was denied. They told me to contact XXXX myself and get the money back. I again told them it was stolen and I wanted to appeal the claim denial. I was put on hold and then cut off. I emailed again that same day asking for help. They responded with thank you for your inquiry. 

I called again today and they said that my claim is closed and they will not re-open it. The customer service is really bad. It is kind of like talking to a robot. Service is not the right word for what they provide. 

I am still working with my branch XXXX, but she is having trouble getting them to respond to her. 

My rent is due today and I am {$800.00} short because of this. I have to borrow money to pay rent.
Consumer complaint received 2022-07-12
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: Experian Information Solutions Inc. (NY)

It appears that my credit file has been compromised. Again, I was going through my records & noticed an account that does not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The disputed account does not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove this account : XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2022-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.
Consumer complaint received 2022-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts and items which do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$180.00} XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXXXXXX XXXX VA XXXX According to FCRA Section 605B ( a ) the TransUnion shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have been disputing the fraudulent items on my Credit Report from XX/XX/XXXX to XX/XX/XXXX by sending dispute letters addressed to the Credit Bureaus. But despite all my efforts to correct my Credit file, the Credit Bureaus seemed to enjoy not giving a XXXX about my Dispute and my Credit File. The Credit Bureaus are given ample amount of time by the Federal law to conduct their investigation and remove the items that resulted due to Identity Theft. I am submitting this complaint to remind the Credit Bureaus that they are required to remove the items I am disputing since these resulted due to the crime. They have failed me before and I was tempted to take legal actions against the Credit reporting Agencies but I will be kind enough to give them a couple more chance and correct my File under each Respective Bureaus. I am utterly frustrated to see that despite all my efforts, the Credit Bureaus have become negligent of the FCRA regulation, my appeals, and their utmost duty to report accurate only information on a consumer 's Credit File. Once again, the items I am disputing were the result of the Identity Theft and must be removed immediately in accordance to FCRA regulations : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX  XXXX Balance Owed : {$5600.00} XXXX XXXX Balance Owed ; {$4300.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX  XXXX Balance Owed : {$2700.00} XXXX  XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX CAP XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX/XXXX/XXXX  XX/XX/XXXX XXXX XXXX Balance Owed : {$850.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX