davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CO)

I deposited a check last week for {$2000.00} on XX/XX/2023 from my old landlord. The funds are in my account and the funds have been taken out of my landlords account. My landlord proved this by sending me an email with a screenshot that show 'd the bank withdrew the funds including a photo of the check and my signature from the electronic deposit. 

Chase deposited the money into my account and froze my account and are closing it in 10 days ( from the XX/XX/XXXX date ) and plan to withhold the {$2000.00} from that check until resolution. They are saying it will be in this hold for 2 years until resolution is found. I've been a chase member for many years with no issues. 

Our ( my husband and I ) landlord has been willing to cooperate ( minus some unreasonable requests from chase ) They are saying there are a few options which ALL have led us to a dead end. they have given us the run around but i still do not understand why they believe the check is fraudulent. 

1 ) Provide them a phone number to call that is associated with his LLC so they can verify the check isn't fraudulent. We did that, and gave them two phone numbers that our landlord gave us. But since the phone number isnt under his name through his phone company ( determined by a 3rd party security system ) they can not call that number. We talked with our landlord and he basically is telling us he cant give them any other phone numbers and thats not his problem ( We agree ). Chases is asking that our landlord can update his phone number to match his name so it can pass their security system, we believe this is an unreasonable request for him to jump through hoops with his phone company. Chase 's strict security reasons are not our problem. This is a dead end. 

2 ) they have tried to call his bank ( US bank ). but they cant give them the info needed for security reasons. - Dead end. 

3 ) for our landlord would have to ask his bank to cancel the check. Chase stated that this doesn't always work which leaves us and out landlord uneasy. our landlord is rightfully hesitant since the funds are out of the account and in our account. - Chase has successfully deposited our money and this is an unreasonable request. 


further action taken by us that Chase refuses. they will not take our email from our landlord as any kind of proof.
Consumer complaint received 2022-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Good afternoon, The credit bureaus have been violating my rights by reporting erroneous negative accounts on my credit. I have been reading that the bureaus have to give me an update 30-45 days after receiving my letters in their offices, but this has not been fulfilled.
Consumer complaint received 2023-04-03
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. (TX)

In accordance with the Fair Credit Reporting act XXXX 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 2023-05-09
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: EQUIFAX, INC. (CA)

By the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my credit report. There's an account that is written as a CHARGE OFF ACCOUNT but failed to receive the XXXX cancelation of debt form, because of that this account is inaccurate and needs to be removed from my credit report immediately. As well as several violations made reporting incorrect name variations. incorrect address variations, and incorrect late payment variations. One or more of these violations violate my right to Privacy. These violations must be removed from my credit profile Immediately. I have reached out to all 3 credit bureaus XXXX, Equifax, and XXXX via certified letters and also provided proper identification to prove my identity yet have received no update or change to my credit profile.
Consumer complaint received 2022-11-02
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am a victim of XXXX XXXX I'm filing this CFPB complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a few Personal credit card Accounts listed below. This request IS NOT MADE IN ERROR OF ANY KIND! PLEASE BLOCK AND DELETE THESE ACCOUNTS that will be listed in this complaint.
Consumer complaint received 2023-01-27
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. (GA)

In XXXX XXXX XXXX I received a collection from a company that hadnt contacted me. I paid the amount in full and was told it would be left on my accounts for XXXX years more which is unfair under the circumstances that they were paid.
Consumer complaint received 2023-01-27
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NC)

Experian continues to report accounts that are the result of identity theft, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX These accounts were previously reporting on XXXX as well as XXXX however after providing both XXXX and XXXX documentation supporting the fact that these were opened due to Identity Theft these items have been removed and blocked from my credit report. I have informed Experian of this as well as the creditors, but all parties remain negligently non compliant. This is my 3rd time submitted a complaint with the cfpb to get experian to resolve this issue, however they continue to tell me the items will not be removed or blocked due to the items not meeting the criteria even though they are the result of identity theft. I have tried multiple times to explain this to them and they continue to force me to suffer through their automated dispute process and send generic responses or allow the creditors reporting this information to continue doing as well allowing them to update the account with snarky comments stating " Completed investigation of FCRA dispute - consumer disagrees '' when in fact they are not even investigating this and the only proof Ive been supplied by either company is a signature that does not look even remotely close to mine. Thier processes are automated and do not do their due diligence in investigating these matters. 

XXXX provided me this confirmation number for the removal and blocking of these accounts and I believe Experian should check with them to ensure they're following the same processXXXX  The confirmation number for the removal of these accounts was XXXX
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (MO)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 602 A section 2 : it also states a consumers reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-08-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Global Processing Services, LLC (AZ)

I keep getting calls and texts from Global Processing Services stating I have an unpaid loan which is not the case. Even if I had an old loan I just completed XXXX XXXX in XXXX and the debt would be invalid. Refused to provide names, they refused to provide debt validation and hung up when I mention it or tell them they are violating Federal laws regarding bankruptcy as well as FDCPA.
Consumer complaint received 2024-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

According to IRS guidelines, an unpaid charge-off is considered taxable income. Furthermore, under the Fair Credit Reporting Act ( FCRA ), income can not be reported on a credit report. The account in question was previously charged off by XXXX XXXX, as indicated by their records. The charged-off account is now listed under XXXX XXXX with account number XXXX. Upon reviewing my most recent credit report, it appears that this account is being reported as a charge-off despite having been sold to another lender. As the original debt was charged off and subsequently sold, this constitutes inaccurate reporting and may be viewed as a form of double reporting, which is prohibited under the FCRA. Please investigate this matter and ensure the information on my credit report is corrected accordingly.
Consumer complaint received 2022-07-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Phoenix Recovery Group (GA)

I previously disputed this debt, which was removed from my credit report. Phoenix Recovery Group said the following in their response to complaint number XXXX, " The consumer is acting deceptively. Attached are 2 metered mailings sent to the consumer that were never returned and presumed received. '' My response was, " Where are the attachments? Didn't the CFPB notice they were missing making the debt unverified still ''.
Consumer complaint received 2023-06-13
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. (TX)

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.

The letters are stated with items and issues.

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 2023-10-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC (CA)

In XXXX of this year, 2023. I contact XXXX 's XXXX in XXXX to cancel my membership. They told me I need to email XXXX to submit a cancellation request. I submitted the cancellation request and did not receive a response. The next month, the gym tried to debit my account. I went in person to clear this up. The person at the front desk confirmed I had the correct email and they would forward my request to the appropriate person. Finally my gym membership was cancelled and then I received a collection notice from Aldous and Associates via snail mail. In the collection notice they included a self addressed envelope. I printed the original attempt to cancel my membershi and mailed it to Aldous and Associates. Last week I received a call from Aldous and Associates attempting to collect {$120.00} and they said if I don't pay it they will report to my credit. I explained to her that I mailed proof of the cancelation. She said they don't have it and she said she can email me so I can respond. This morning, I respond to the email with the attachment of proof of cancellation and this is the response I get : " You have emailed an unmonitored 'noreply ' email address. 
If you need any help, please don't hesitate to contact us at XXXX. 

Best regards, Aldous XXXX XXXX THIS IS AN ATTEMPT TO COLLECT A DEBT, ALL INFORMATION OBTAINED SHALL BE USED FOR THAT PURPOSE. THIS COMMUNICATION IS FROM A DEBT COLLECTOR. '' I immediately call Aldous and Associates because at this point I think it's comical that someone tells me I can respond via email, communicates with me via email and then I get the response that emails are not checked. 

When I called this morning, the customer service representative that answered told me that they can't accept correspondence via email, only through their XXXX XXXX XXXX I was transferred to the supervisor XXXX XXXX who confirmed they can not accept correspondence via email and I would need to send in proof. I told her I did, send in the proof and I kept getting the run around and they are making it impossible to resolve this issue. I made it clear that they know and it is recorded that this is a bad business practice.
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (WY)

Capital One continues to incorrectly report to the 3 credit bureaus & has done so since XXXX causing me personal damages in EMPLOYMENT< INSURANCE< CREDIT RECOVERY : They report the debt is : CHARGED OFF & PAST DUXXXX & HAS A CURRENT OUTSTANDING BALANCE of {$2100.00} all on the same credit line! 
If the debt was INFACT charged off as they report then there IS NO OUTSTANDING BALANCE because the charge off of the debt on the books was taken as a loss on their financial reporting therefore the report it is OWED & OUTSTANDING is in fact FALSE! 
Additionally the debt was turned over to XXXX XXXX XXXX to settle & pay on my behalf according to them CAPITAL ONE turned this debt over to XXXX XXXX XXXX agency and the payments for the settled amount were made directly to XXXX XXXX as direct by Capital ONE! 
So Capital One is also incorrectly reporting that it was CHARGED OFF instead of SETTLED + PAST DUE instead of Sent to COLLECTIONS + currently has an OUTSTANDING BALANCE DUE instead of CHARGED OFF!
Consumer complaint received 2023-06-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: KEYCORP (OH)

1. ) The KEY bank does not allow ACH transfer to be set up with a competitive bank. 
2. ) The KEY bank falsifies its interest payment when there are no interest payments made on the account. 
3. ) The KEY bank holds back payments of bills for a long period of time and at the same time depletes the amounts from the account.

4. ) When questioned why bill pay was not executed for over 15 days ; it comes up with various excuses and delays due to postal services etc.

5. Then they cancel the payment and for that i have to wait for 10 more days to get my money back. A total of 25 to 30 days to get my money back from the time i paid a bill?

I BELIEVE THE KEY BANK IS DISCRIMINATING AGAIST A MONORITY AND SENIOR PERSON. IT ALLOWS ACH TRANSACTIONS SET UP WITH SOME BANKS AND NOT WITH OTHERS --?
Consumer complaint received 2023-06-12
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: Experian Information Solutions Inc. (LA)

I am writing to dispute an inaccurate inquiries listed on my credit report. I have carefully reviewed my credit report, and I believe that the following inquiry is erroneous and should be remove. The inquiries in question were not authorized by me, and I have no affiliation or knowledge of the entity that made the inquiry. I hereby request that you initiate an investigation into this matter as per my rights under the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines.
Consumer complaint received 2023-03-15
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: Experian Information Solutions Inc. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-26
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. (NJ)

Consider this complaint as my follow-up to my prior complaint which is dated XX/XX/XXXX. My previous complaint contains disputed items which are needed to be investigated please validate the following items : 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-08-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (PA)

The first week of XXXX, I dropped off the mail in a mailbox outside the XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX After a couple of weeks, I realized the water company did not receive my payment. I went to the Wells Fargo Bank XXXX XXXX XXXX in XXXX PA to stop payment on the check on XX/XX/2023. On XX/XX/XXXX I got a notification on my telephone for me to verify a check and the amount of {$7100.00}. After viewing this notification, I went straight to the bank to notify them that I did not write this check which was fraudulent. I also reminded them that this check was processed at Wells Fargo as a stop payment on XX/XX/XXXX. A claimed was filed that day and an affidavit form was filled out a few days later. On the Wells Fargo website, it states that claims should be resolved in 10 days or less. However, Wells Fargo branch manager told me the case would be resolved in 90-120 days and there was nothing she can do. I have contacted the claims office numerous times, but they could not tell me anything and it could take up to 4 months. Once I received a copy of the check, I was able to view the front and back of the check which shows the check was altered and the name on the front of the check does not match the signature on the back of the check. It is not acceptable to wait four months for my funds to be returned when Wells Fargo was negligent in processing the check since I stopped the payment processing a month prior to the incident. Also, the teller continued to process the check even though it was clearly altered ; and the payable name does not match the signature on the back of the check. I very upset and can not afford to wait four months for my funds to be returned especially since it is their negligence as to why the check was processed in the first place.
Consumer complaint received 2023-03-24
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. (FL)

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 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 2023-08-08
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: Experian Information Solutions Inc. (NY)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX Balance : {$770.00}.