davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (AZ)

My Mother, XXXX and XXXX, XXXX visited a chase branch in XXXX AZ in XXXX of XXXX, about 4 months after my Father passed, so we could finish getting things in order from my Fathers passing and to make preparations in the event my Mother passed. XXXX brought our Mother to the Chase bank nearest to our Mothers home to seek professional assistance to guide them with the proper paperwork needed to transfer assets from all of our Parents Chase accounts in the event of our Mothers passing. The Chase employee they met with, XXXX XXXX, selected the required forms to be filled out, provided the forms to our Mother, filled out everything on the forms but the required signatures, and notarized the signatures on the 3 forms. We believed the matter to be settled until our Mother passed on XX/XX/XXXX. Several days after her passing, we began to submit whatever forms and paperwork necessary to settle her estate. When we tried to submit the forms to Chase for the Transfer on Death arrangements that had been previously made, we were told there was a problem with the forms, in particular regarding the savings account. We brought our concerns to the local Chase branch and the manager escalated it on our behalf to a woman named XXXX, who escalated it further to a woman named XXXX from the Chase Branch Complaint and Escalation Group who told me there was nothing they would do to correct the issue and our only recourse was probate which was what we filled out the forms to avoid. The problem seems to lie with the choice of the form used. The form chosen and presented by XXXX is for an investment account, not a checking or savings account even though the number on the form is CLEARLY the savings account number. This is 100 % the fault of the Chase employee my family met with. We counted on him to know his job and advise us accordingly. Everyone makes mistakes, but that does not exclude Chase from the responsibility to make it right. Probate is going to cost a significant amount of money that Chase, according to XXXX, refuses to compensate us for. So now the funds are locked in a Chase account until Probate is settled where Chase can continue to earn returns on money that is frozen due to an error by one of their own employees. Seems like a conflict of interest to me...
Consumer complaint received 2022-07-06
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. (VA)

In accordance with the Fair Credit Reporting act U.S. Dept of EdXXXX Account 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.
Consumer complaint received 2022-07-30
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: Experian Information Solutions Inc. (TX)

When I looked for my name on the Internet, I discovered that some of my personal information was being used without my permission, so I filed a complaint. My information was gathered by an aggregation website, which instructed me to first check the website 's FAQ section and then contact around nine separate websites to have it deleted. I felt ashamed by the fact that I had to seek the removal of my possessions. I discovered unauthorized, fraudulent accounts on my credit record ; I would like these accounts erased and rectified. Remove all unfavorable and fraudulent accounts from my credit report. This has made it more difficult for me to secure credit. I am taking all measure possible to regain my life. Please assist me in removing all fake accounts. Please let me know if there is anything further I can do to have these accounts removed from my report.
Consumer complaint received 2022-07-06
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. (CA)

To whom at may concern : I know my right under the Fair Credit Reporting Act. 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 account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX account XXXX XXXX 15 usc 1681 section 602 A. states I have a right to privacy.

15 usc 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 usc 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 then records of convictions of crimes which antedates the report by more then seven years.

15 usc 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 2022-07-06
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 XXXX account number 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2023-01-28
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. (IL)

According to XXXX XXXX XXXX XXXX ( b ) Accuracy of Report ; and FCRA You have the right to dispute incomplete or inaccurate information '' All three ( XXXX ) credit reporting agencies, XXXX, Experian and XXXX has report different account balance amounts, payment amounts and number of closed accounts on my credit report regarding my Revolving Accounts and Installment Credit Accounts. 

Inconsistencies in reporting can be a negative impact on my credibility for future access to credit cards, mortgage loans, car loans etc.
Consumer complaint received 2022-07-30
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. (LA)

I have reached out to ALL XXXX  credit bureaus- TransUnion XXXX XXXX XXXX XXXX several times to have this account with ( XXXX- name reported on my credit report ). The first time was for them to verify this account- XXXX and send me documents of their method of verification and proof. I RECEIVED nothing but a stall letter saying that I the account was verified. The second letter I asked for a reinvestigation and they replied with the same letter and ignored my request. I also pointed out some violations on this account to the bureaus that was also IGNORED. This account have different information reporting from each bureau which lets me know that they are also in VIOLATION of Metro 2 Compliance. Each bureau is showing DIFFERENT account numbers on my credit report, HIGH BALANCE, LAST VERIFIED DATE, OPEN DATE, & CLOSED DATE, just to name a few. This information is INACCURATE which explains WHY the XXXX credit bureaus CAN'T verify this account and present me actual PROOF of their method of verification of WHO they verified this account with and the actual ORIGINAL DOCUMENTS bearing MY SIGNATURE.
Consumer complaint received 2023-01-28
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. (TX)

To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXXXXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-07-07
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 XXXX  Account 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
Consumer complaint received 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (AZ)

XXXX XXXX XXXX ( account number : # XXXX ) was removed from my report and now my credit is inaccurately reporting. It was taken off in XX/XX/2022, and has yet to be inserted. I've contacted XXXX, to which they have stated that they've got everything upto date for reinsertion, however, each bureau has told me that they've yet to see any updates from the creditor.
Consumer complaint received 2023-01-28
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. (MA)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2022-07-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (CA)

I sent a dispute letter regarding an account on my consumer report. They responded by sending me a copy of the following alleged information : original contract, account statements, and account transfer document. I sent them another letter describing how they failed to provide me the required documentation and again they responded by sending me the same documents they did before. It is clear that this company is willfully noncompliant with the rules set forth by the FTC and is in violation of said laws.
Consumer complaint received 2023-01-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (ID)

On Wednesday XX/XX/2023, this women with her XXXX is XXXX XXXX reach out to me, show interested on my bed frame I sell on XXXX  for {$280.00}. The next day, she want to paid on XXXX. And she used her own fake account of XXXX company to trick me. I never use XXXX before, so I got trick. 

First fake email from XXXX said, XXXX make the buyer ( XXXX ) transfer seller ( me ) {$200.00} to make my account become business account, they credit my money for {$480.00} include my bed purchase. 

Since I saw her email that sent me money, I send her back my money which is {$200.00}. Even though, I have received my money back yet. She XXXX the well fargo transaction screenshot to prank me. 

She keep doing it for 2 more time. Second transaction is {$300.00}. On the 3rd transaction, I did tried to call Well Fargo is this situation is a scams, but they didnt give a clear advise. So I continue sent it to scammer extra {$500.00}. And total I lost is {$1000.00} for 3 transactions. 

Her XXXX account is XXXX with name XXXX XXXX, enrolled as XXXX.
Consumer complaint received 2022-07-29
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. (AZ)

Pursuant to 15 USC 1681 ( a ) ( 2 ) Accuracy and fairness of credit reporting XXXX  has thoroughly violated my Consumer rights by Fraudulently reporting an account that was never authorized or consented by me the original Creditor Account NumberXXXX and has reported this account 90 day 's past due and closed as of XX/XX/2021. When asked to conduct an investigation by the fraud specialist with Experian XXXX  and they reported that the account was opened by a phone number and bank account that has been closed and is on the dark web. I then refiled a police report and FTC report regarding the Identity theft and Pursuant 15 U.S. Code 1681c2 - they where to Block all the information resulting from identity theft and willfully refused to do so and has continued almost 8 months later to update and report inaccurate defaming information on my consumer report. Once I send the Cease and Desist letter to them in hopes for them to stop the inaccuracy of reporting they generated an entirely new account stating it opened XX/XX/2021 and closed in XX/XX/XXXX 90 days Account # XXXX which I never consented or extended my credit to validate this debt and they are a willfully violating the Fair Debt Collection Practices Act, 15 U.S.C. Section 1692e, provides, which states that A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. By changing the account number the amount and placing an entire new debt on my consumer file is with my validation is not only illegally criminally but they are 6. Pursuant to 15 U.S. Code 1681 ( n ) ( b ) - Civil liability for willful noncompliance.Civil liability for knowing noncompliance for violating the Federal consumer laws and causing me severe and distressful harm and denial of consumer credit for their inaccuracy and illegal reporting. I am seeking immediate removal from my consumer file all the XXXX Account that are reporting due to their deception and Illegal conduct and expect them to abide by the federal law which grants me the right as the consumer to have fair and accuracy in reporting on my file. The following proof is attached for immediate removal thank you.
Consumer complaint received 2022-07-06
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. (NY)

XXXX has reported that I have an " open account '' with XXXX XXXX a 3rd party collection agency that has a loan or account that originated from XXXX XXXX. XXXX XXXX posted the balance as XXXX and the highest balance as " XXXX. '' I don not have a balance with this company or a contract with them. I do not live as the address they posted. I was informed of this collection on XX/XX/22 and asked them to validate the information and I disputed to XXXX. XXXX has done nothing except give them my address, which I did not authorize them to do, I sent proof of my address - bank statement which they turned around and gave to this 3rd party. The information is INACCURATE and should have been deleted instead of providing them with my address to repost a new debt. This has lowered my credit XXXX points and now I will be in a difficult position to obtain a mortgage, and the information is inaccurate and violates my rights. It should be deleted immediately. I will lose my option to purchase a home.
Consumer complaint received 2023-07-14
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: EQUIFAX, INC. (IN)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report.
Consumer complaint received 2022-06-28
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. (NY)

Hi I am submitting this XXXX XXXX this isn't 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 XXXX 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 XXXX  hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXXdays 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 XXXX 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 im XXXX now.with no help.
Consumer complaint received 2022-06-28
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: Experian Information Solutions Inc. (IL)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.