davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

Hi my name is XXXX XXXX, The card number ending in XXXX XXXX was use on my XXXX account, On XX/XX/XXXX I identified that my card statement have been fraudulent and have a lots of XXXX XXXX charges that i did not purchase, I file a report to chase immediately, i also have XXXX XXXX XXXX card on file, i report to both card company and also report to XXXX and XXXX close my account after knowing the activity. 
The amount that was fraud with chase was for about {$50000.00}, and for XXXX XXXX XXXX was about {$17000.00}, XXXX XXXX XXXXXXXX and Chase both return the money back, however in few week, Chase reverse the decision and reverse all the charges back to my card, i contact chase asking why, they just informed me they need to investigate the case and it may take them up to 90 days, that was XXXX first week XXXX, I wait day by day, there was no phone call no email or letter from chase, I was charge {$8700.00} interest charge as well during this period of time while waiting for them, I reach out to them end of XXXX, and was told to wait again while they investigate the case, I call back end of XXXX was rest assure to wait and they will take care of me, I been calling back every other week to check, was always told to wait for a resolution while they are still investigate and they promise they will take care of my issue, finally after i start calling every Friday, and ask for a supervisor, they informed me on XX/XX/XXXX the decision is they will not honor the claim and we are responsible to pay for all the fraud charges. I have in between the time provide all the information they needed, and i'm upset it took them almost 8 month to finally come to a decision and charge me almost {$800.00} interest a month and they told me every month those interest rate will be credit back to me once the claim is resolved. I want chase to remove the fraud charges and also credit me back all the interest rate they charge me on my account. thank you again for helping me.
Consumer complaint received 2019-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (FL)

Deleted completely from my file that was the agreement not to come out on my report. Now it shows again on 3 credit report. I was was a breach on XXXX that is how I find out that is on my credit report again Ally sold this acc to another company that want to charge me again XXXX went this acc is close by ally .Now ally they sold this acc to another company and I never did a contract with them or know who are they? and they keep calling me at all time. That car loan was my ex that add me on that loan on the past. See the amount XXXX and more on my report. So you see they close the acc? Now is report again same loan with XXXX some else please go over this.
Consumer complaint received 2023-02-23
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. (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. 
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 2020-06-23
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. (OH)

To whom it may concern, My name is XXXX XXXX, I am writing complaint to request immediate investigation on inaccurate items on my credit account. If inaccurate, they must be removed in order to show my true credit history as these items should not be on my Credit Report. According to the Fair Credit Reporting Act. I request you to reinvestigate this verification within 30 days. 
**Address report** _XXXX  XXXX XXXX XXXX , OH XXXX _XXXX  XXXX XXXX XXXX, OH XXXX _XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX _XXXX  XXXX XXXX XXXX XXXX, IN XXXX _XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, OH XXXX _XXXX XXXX XXXX XXXX XXXX, OH XXXX _XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX These addresses are inaccurate, I just have only true address which i enclosed its proof below. Please delete these incorrect address, **Credit Card** _XXXX XXXX XXXX  XXXX Reported : XX/XX/XXXX This account states i have late payments on XX/XX/XXXX, XX/XX/XXXX. This is inaccurate. Please update payment agree. 
**Account** _XXXX XXXX XXXX Inquiry : XX/XX/XXXX This account is not mine. Delete it!! 
_XXXX  XXXX XXXX Inquiry : XX/XX/XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION **Collection** _XXXX XXXX XXXX Reported : XX/XX/XXXX I never receipted any loans or credit from this company. 
**Collection** _XXXX XXXX XXXX Reported : XX/XX/XXXX do not have a financial obligations with THEM. Please delete this reference on all credit reports. 
_XXXX  XXXX XXXX XXXX Reported : XX/XX/XXXX This account is not mine, Delete it!!! 
_XXXX  XXXX XXXX XXXX Reported : XX/XX/XXXX This account is not mine, Delete it!!! 
_XXXX  XXXX XXXX XXXX Reported : XX/XX/XXXX I don't own this company any money and never receipted any credit from them. Provide me full document about this account.
Consumer complaint received 2020-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

To whom it may concern, My name is XXXX XXXX, I am writing complaint to request immediate investigation on inaccurate items on my credit account. If inaccurate, they must be removed in order to show my true credit history as these items should not be on my Credit Report. According to the Fair Credit Reporting Act. I request you to reinvestigate this verification within 30 days. 
**Address report** _XXXX  XXXX XXXX XXXX , OH XXXX _XXXX  XXXX XXXX XXXX, OH XXXX _XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX _XXXX  XXXX XXXX XXXX XXXX, IN XXXX _XXXX  XXXX XXXX XXXX XXXX XXXX TUNKHANNOCK, PA XXXX XXXX XXXX XXXX XXXX, OH XXXX _XXXX XXXX XXXX XXXX XXXX, OH XXXX _XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX These addresses are inaccurate, I just have only true address which i enclosed its proof below. Please delete these incorrect address, **Credit Card** _XXXX XXXX XXXX  XXXX Reported : XX/XX/XXXX This account states i have late payments on XX/XX/XXXX, XX/XX/XXXX. This is inaccurate. Please update payment agree. 
**Account** _XXXX XXXX XXXX Inquiry : XX/XX/XXXX This account is not mine. Delete it!! 
_XXXX  XXXX XXXX Inquiry : XX/XX/XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION **Collection** _XXXX XXXX XXXX Reported : XX/XX/XXXX I never receipted any loans or credit from this company. 
**Collection** _XXXX XXXX XXXX Reported : XX/XX/XXXX I do not have a financial obligations with THEM. Please delete this reference on all credit reports. 
_XXXX  XXXX XXXX XXXX Reported : XX/XX/XXXX This account is not mine, Delete it!!! 
_XXXX  XXXX XXXX XXXX Reported : XX/XX/XXXX This account is not mine, Delete it!!! 
_XXXX  XXXX XXXX XXXX Reported : XX/XX/XXXX I don't own this company any money and never receipted any credit from them. Provide me full document about this account.
Consumer complaint received 2022-05-13
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: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account # XXXX, has violated my rights. 


In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX. XXXX, XXXX Account # XXXX, has violated my rights. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 


In accordance with the Fair Credit Reporting act US DEPARTMENT OF EDU Account # XXXX, has violated my rights. 


In accordance with the Fair Credit Reporting act US DEPARTMENT OF EDU Account # XXXX, has violated my rights. 


In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 2020-05-21
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. (IL)

Equifax ; XXXX  and XXXX are reporting incorrectly that I am ( 120-180 ) days late on the XXXX partial account numbers XXXX. Equifax and XXXX  are reporting that I am ( 120-180 ) days late on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have  contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (FL)

Due to COVID 19, my XXXX  and income took a drastic casualty. We were unable to pay on personal loans for the past three months. Because of this, we made the efforts to contact each of our lenders to arrange payments. Each of the lenders enrolled us into their programs to delay payments and reporting. 

However, two credit card companies have still reported missing payments. I followed up with each of the lenders, but they simply reply saying " Any credit issues should be dealt with by the credit bureaus. '' Both companies have acknowledged that their records show I am enrolled in the programs. 

The credit card companies are XXXX XXXX and Citibank. 

It is my honest assumptions that this is a system glitch. However, there could very well be something on my part that I did not do, primarily due to ignorance. This has never happened to me before! 

As my records will show, prior to COVID 19 I only had one missed payment in the last 9 years, which was my first credit card ever. 

It is my great hope and desire that my credit history and your grace will stand in the gap for me in this instance, because I am not sure what else to do. The past 4 years of my life I have maintained above a 680 credit score. In the last thee months it has dropped to almost a 500. 

In my best efforts to fix this matter, I have also taken the measure of seeking help to restore my credit. And growing in my education as much as possible.
Consumer complaint received 2020-05-29
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. (AR)

While I was in the process of trying to rent an apartment, my credit report had to get pulled. i was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. these accounts do not belong to me. Please remove these items from my report. DEPTEDXXXX  XXXX {$1700.00} DEPT OF ED/XXXX/XXXX  XXXX {$1700.00} XXXX XXXX {$3000.00} XXXX XXXX {$5100.00} XXXX XXXX XXXX {$24000.00} XXXX  XXXX XXXX {$5000.00} XXXX XXXX {$130000.00} XXXX/XXXX  XXXX {$270.00} XXXX XXXX {$24000.00} XXXX/XXXX  XXXX {$580.00} XXXX/XXXX  XXXX {$690.00} XXXX XXXX XXXX   XXXX {$78000.00} XXXX/XXXX  XXXX {$760.00} XXXX/XXXX  XXXX {$1400.00} XXXX XXXX XXXX {$1200.00} US DEP ED XXXX {$2800.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA (AZ)

Mohela dept of edu has my accounts on credit report with reporting. I spoke to the company and they said Im current until XX/XX/XXXX. My credit is showing delinquent, they are not will to assist with letter showing good standing. 
Im a single mom trying to buy a house and this effecting me getting approved for any kind of house. 
Dates XX/XX/XXXX good standing and delinquent. Several accounts that contradict one another. Reached out to the company and they were not willing to help me. 
Thank you for your time, XXXX
Consumer complaint received 2021-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (AZ)

On XX/XX/XXXX I attempted to get a new card from XXXX credit card services and 3 weeks later it NEVER came. I called and requested another card on XX/XX/XXXX and still has not come thru the mail. Also, I had not used my XXXX credit card since XXXX of this year and I paid it every month, and ON TIME, yet a few times that i attempted to use it at the checkout, the individual would say, " its been declined '' and that is the reason why I had NOT used it since XXXX of this year. 
A similar occurrence happened with my Barclay credit card. And on another event I received my statements from Barclay credit card with the numbers on the pages missing, for instance I received 6 pages, in which, several pages were missing. They were numbered like so, 1 of 1 ... 2 of 2..3 of 3 and so on ; however, 3, 4, and 5 were missing from my Barclay credit card statements. Not only that but the several times that i called in to make a payment, with BOTH Barclay credit card AND XXXX credit card, it was not usual protocol that I'm normally used to and the individuals on the other line sounded very suspicious ; also in the way they handled the phone call. Not protocol. Tell your XXXX that are on your team running the show behind the scenes in America, that I said, " XXXX XXXX XXXX!!!!!!!!!!!!!!!!! '' Thank yoo, sincerely yours, XXXX XXXX.
Consumer complaint received 2020-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (IL)

I paid an old account a couple years ago however it is still showing as active and currently in collections on my credit report. 

I have reached out via phone and email to the reporting company however I was told via phone and email that they will not make any changes. 

Fair Collections & Outsourcing , Inc . 
XXXX ( located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX )
Consumer complaint received 2020-05-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Credit Services Inc. (WY)

A debtwas opened on XX/XX/XXXX of 2015, in the amount of {$200.00}, for an account with XXXX XXXX. I never received any information of this debt in the last 5 years.
Consumer complaint received 2019-09-22
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: ALLY FINANCIAL INC. (GA)

In XXXX of 2018 I paid off an auto loan with Ally financial. I called and received emails for the payoff amount two weeks and up to the day I paid them them the balance. I received the title and a check for the overpaid amount. In XXXX they reported me 30 days late and continued to report this. Ive called them several times and the issue has not been resolved. Ive hired XXXX XXXX  to resolve the issue and have lost an additional XXXX $ to them. How can I resolve this issue?
Consumer complaint received 2019-09-22
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: JPMORGAN CHASE & CO. (TX)

Inquiry date- XX/XX/XXXX XXXX XXXX auto finance P.O. Box XXXX XXXX, tx XXXX XXXX : Unauthorized Credit Inquiry Dear XXXX XXXX, I have recently reviewed a copy of my credit report. I am concerned because there was an inquiry by your company that I do NOT recall authorizing. 

It is my understanding that you can only make an inquiry to see my credit report if I authorize it. I would like for you to remove this unauthorized inquiry for it is negatively affecting my credit score.  Please send me confirmation that this has been done. Otherwise, in the unlikely event that I am remiss then please send me documentation showing me so, and I will review it for its authenticity. 

Respectfully, - Inquiry date- XX/XX/XXXX Jpmcb card XXXX XXXX XXXX XXXX , de 19850 XXXX : Unauthorized Credit Inquiry Dear XXXX XXXX, I have recently reviewed a copy of my credit report. I am concerned because there was an inquiry by your company that I do NOT recall authorizing. 

It is my understanding that you can only make an inquiry to see my credit report if I authorize it. I would like for you to remove this unauthorized inquiry for it is negatively affecting my credit score.  Please send me confirmation that this has been done. Otherwise, in the unlikely event that I am remiss then please send me documentation showing me so, and I will review it for its authenticity. 

Respectfully, Inquiry date- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , tx XXXX XXXX : Unauthorized Credit Inquiry Dear XXXX XXXX, I have recently reviewed a copy of my credit report. I am concerned because there was an inquiry by your company that I do NOT recall authorizing. 

It is my understanding that you can only make an inquiry to see my credit report if I authorize it. I would like for you to remove this unauthorized inquiry for it is negatively affecting my credit scorXXXX. Please send me confirmation that this has been done. Otherwise, in the unlikely event that I am remiss then please send me documentation showing me so, and I will review it for its authenticity. 

Respectfully,
Consumer complaint received 2020-05-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (VA)

Hello, This is XXXX. I have an account with Remitly with the user id - XXXX. On XX/XX/2020, there were two fraudulent transactions for XXXX $ and XXXX $ to a person named XXXX XXXX. Though I have used Remitly earlier, I have used to send it to my own account in XXXX. This recipient was new. I have not added it. I do not know this person and this was a fraud transaction. I reached out to the customer service via chat. I was expecting a resolution. However, now I see that my Remitly account is blocked. They said that the fraud department will reach out to me but to this date it has not happened. And, I tried to reach out XXXX  XXXX XXXX from where the money was deducted and they too are not able to help. During these COVID times, I lost my job and this was the money in my account for meeting the needs of my family. Please I beg you to help me. 

I can prove that it is a fraud transaction. On XX/XX/2020, I received XXXX spam messages on the XXXX that was used in Remitly and XXXX  XXXX XXXX accounts. It was to hide the fact that money was sent from my account. I am the victim here. Please help me. 


Thanks, XXXX
Consumer complaint received 2021-05-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diaz & Associates, Inc. (CA)

I do not own a XXXX XXXX  & therefore do not own this debt. I have repeatedly tried to call Diaz & Associates & I get no answer & can not leave a VM as their maibox is full ... They tell me that I must respond by XX/XX/2021 & so I finally just sent them a text today on XXXX disclaiming this charge to their text number ... I will freely give you the info as follows, as I don't own this debt : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX CA XXXX ... Telephone # is XXXX, FAX # is XXXX, stmt was dated on XX/XX/XXXX of 2021 & after many repeated attempts unable to contact them I finally faxed them today on XXXXto dispute this charge ... Other pertinent info from this outfit from this notice is as follows : XXXX XXXX, acct # XXXX ( which I do not own ), File # XXXX, Balance of XXXX, & just as long as I pay XXXX by XXXX will call their dogs off ... I've learned that they have a # of fradulent claims that people have reported abouit this debt collection agency to CFPB, so pls get back w/me asap, thank you