davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-13
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. (WA)

On XX/XX/19 I received dispute results from Experian, XXXX # XXXX stating that my XXXX XXXX XXXX bankruptcy, case # XXXX dismal had been verified as accurate through the federal bankruptcy court and a third party data provider known as XXXX. They have stated that is has been verified with XXXX, but XXXX no longer houses this information or has it in their system. This has been a blatant lie and a misuse of the entire credit reporting system. I have disputed this item several times over the last three years and they keep coming back with the same obvious lie every time. I have supporting documentation and evidence that supports the truth of the matter. The other two credit bureaus have removed this XXXX bankruptcy because they knew it was fraudulent and it did not legally belong on my credit report. I asked that this is be removed ASAP to avoid any legal repercussions and further legal actions. Attached is all my proof and documentation that supports my irrefutable claim. Thank you for your time.
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 


Account Name 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
Consumer complaint received 2023-01-13
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: Experian Information Solutions Inc. (TX)

In accordance with the fair credit reporting act XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX has violated my rights. 15 USC 1681 Section 602 states that I have the right to privacy 15USC 1681 Section 604 A Section 2 : It also states that a consumer 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 I demand that these account be permanently deleted from my credit file
Consumer complaint received 2023-01-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/2022 I deposited a check for XXXX to my checking account. 

Chase bank withdrew the money from the check issuer 's account but has not made the money available to me till date. It has been more than 35 days now. 

I have spend 10+ hours with change representatives to resolve this but they haven't resolved it yet.
Consumer complaint received 2023-01-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (VA)

XX/XX/2023 : Received a call from Chase Customer Service stating they had seen Fraudulent charges on my account. I had seen a fraudulent charge on my account and was working with the man from chase customer service on the phone to transfer money out of my accounts, close them, and reopen new ones, while recalling the fraudulent charge I had seen. The customer service agent calling from the chase number instructed me to Reverse wire Transfer the money. I did as directed. I then learned the Chase number was spoofed.

- Within 10 minutes of the transfers, I realized this was scam and had called Chase back to recall the wire transfers.

- Within an hour I had successfully submitted two claims with chase to recall these fraudulent wire transfers. 

XX/XX/2023 : Submitted an IC3 form with the FBI and submitted a police report with XXXX police Department. 

XX/XX/2023 : I reached out to chase asking for an update on my claims. 

XX/XX/2023 : Received an update via Chase Secure XXXX that the recipient bank ( XXXX Bank ) of the fraudulent transfers needed a Hold Harmless Letter ( or Letter of Indemnity ) submitted by Chase to return the funds. 

XX/XX/2023 : I went into a chase to submit this letter that the Chase wire service team had asked me to submit. Chase has no recollection of this form. 
- I called the recipient bank and they told me Chase bank has the form and has to send it to the recipient banks Corporate Investigation Team - I then called chase back and passed along this information. Was told by a chase representative that they could not help me and the recipient bank had to do it. 
- Recipient bank stated that it is chases obligation to complete this form as I am their customer, not the recipient banks. 
- Chase then told me they will no longer help me and it is up to me to get this form submitted to the recipient bank. I have no way to access this form as I do not work at either fraud department/investigation team.
Consumer complaint received 2023-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Unauthorized XXXX Inquiries were made on my credit report on XX/XX/2023 and XX/XX/2023. I did not authorize them to make a hard inquiry. I tried calling each of the companies to dispute it and they could not provide me with any information. I tried calling the credit reporting agencies and they said I had to call the companies directly. 

Hard Inquiries 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
Consumer complaint received 2020-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (FL)

Chase Bank enrolled me in COVID program to halt payments ( interest still accruing, etc., which I agreed to ). Then harassed me 4x / day with calls. Finally I logged into my account to see what the issue was. Still showing {$0.00} payment due, per our COVID assistance program. Continued to get harassing e-mails and calls, which I had to block. Finally called them. Spoke with rep for over an hour, who repeatedly told me that despite COVID protection, I was still considered late. He repeatedly told me, " Yes ma'am but you don't understand, your account is still 15 days late, even though you technically don't owe a payment. You won't become delinquent until 30 days, '' etc. I contested : " Actually, the nature of our agreement is that I would NOT be considered late, assessed fees, or sent to collections, and furthermore, I've logged into my account and have no option to pay, it says " No Payment Due. '' Again he insisted I was not understanding something, and eventually hung up on me without attempting to call back despite me repeatedly saying I was still on the line. I was devestated by the trickery I felt by the supposed " COVID assistance '' Chase is deceptively providing consumers. I have since paid my account in full but I will never trust this company again, nor will I be using these accounts anymore.
Consumer complaint received 2023-01-12
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: DISCOVER BANK (AZ)

Discover Chargeback Dispute # XXXX Discover disputed charge, that still has not been resolved since XXXX of XXXX. This involves a charge dispute, I was told to file by the XXXX XXXX XXXX, regarding a {$100.00} gift card issue at point of sale in which I did not leave the store with the gift cards paid for on the Discover card because the XXXX self-checkout register could not produce a gift card receipt. I opened a charge back for this in XX/XX/XXXX. 

After months of it not being resolved, I even made a special trip into XXXX to discuss with the store XXXX named " XXXX ''. She said she closed it out as undisputed, meaning not challenging the charge back and should all be good. Now recently, Discover keeps adding the charge to my statement as recently as the last XXXX days, then possibly refunding with some activity on my statement as recently as yesterday XX/XX/XXXX. It's been an on again and off again cycle for months. Now I see it again on my statement for a second time, being added and possibly re-credited. 

It's time for Discover to officially refund this charge and close out this case in my favor as the customer who did not even leave the store with the gift cards paid for with my Discover card. I did what XXXX 's XXXX told me to do, which was dispute the charge, and since XXXX states they are not challenging my charge back.
Consumer complaint received 2020-11-13
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: SOUTHWEST COLLECTION SERVICES INC. (LA)

On XX/XX/2020 I sent this dispute to XXXX  to get this erroneous information disputed and taken off my credit profile for numerous of reasons, they are reporting incorrect and inaccurate information. This company hasn't showed any kind of deficient validation to this fraudulent account. Someone stole all my personal belongings. Also this company has took 40 something odd days to respond and I haven't had any type of correspondence from them at all.
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I am writing to correct my personal information on file with your company as i have tried many times without any success so now i will keep a record of your blatant disregard for file and may be used in legal proceedings. 


Please update my address : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report as they are not deliverable to me by the XXXX. Postal Service and they are not reportable as per F.C.R.A since they are inaccurate they need to be removed immediately.
Consumer complaint received 2023-01-12
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: CITIBANK, N.A. (NE)

On XX/XX/ 2022 I used my Citi Dividend Card to make a purchase from XXXX XXXX for a backordered item and was told it would ship in 6-8 weeks. On XX/XX/XXXX I began reaching out to XXXX  via email, their online chat service, XXXX XXXX and left 2 different voicemails on XX/XX/XXXX and XX/XX/XXXX. Nobody returned any calls, messages, emails, to respond to the status of my order. On XX/XX/XXXX I checked and the XXXX XXXX website was no longer working so I filed a dispute of the charge with my credit card company and explained I tried to contact the vendor but was unable to reach them to either receive an update or cancel my order and had not received the product. On XX/XX/XXXX they indicated they notified the company and that the company had 90 days to respond. On XX/XX/XXXX they rejected my dispute because they received information from the company that I made the purchase. I replied to the letter with additional attachments agreeing I made the purchase but that had not received the product and could not get ahold of the company and disputed the charge because I still did not have the product. On XX/XX/XXXX they " resolved '' my additional documentation by again rejecting my response and stating that I listed the incorrect reason for my dispute and therefore forfeited my rights to the dispute. I called and explained that my dispute didn't match any of their preset options so I picked one I thought was closest and that my selection did not change the fact that I did not receive the product and that they were supposed to protect me from this kind of fraud. They re-opened my dispute on XX/XX/XXXX then again sent a letter on XX/XX/XXXX rejecting it for lack of attachments that were provided to them on XX/XX/XXXX. I again called and they agreed to again review the details on XX/XX/XXXX. Since that call I have not received any additional responses or updates on my dispute claim, which has now been ongoing for over 4.5 months despite multiple calls, emails, and providing as much detail and supporting documentation as I have available to prove I have not received my purchase and reject the charge associated with the product not provided. I've attached the initial email from citi acknowledging the dispute and the email I sent with additional attachments but can provide all letters if needed.
Consumer complaint received 2020-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Regarding case # XXXX for Card # XXXX, Capital One requested my drivers license due to suspicious charges on the account. My wife sent my drivers license three times, one by a link they provided, the second time it was faxed, and the third time she mailed a copy. They replied and said they could not zoom in on the copies even though they are legible. 

I mailed a letter by certified mail to Capital One t on XX/XX/2020 saying the restriction is not lifted by XX/XX/2020, then CLOSE the account. There is a {$1400.00} credit plus I made a payment of {$15.00} on XX/XX/2020 that I want refunded. 

I called Capital One after receiving conformation from the post office that the letter was received by Capital One. The male I spoke to said I would receive the {$1400.00} credit refund. As of today, I have not received the {$1400.00} credit refund.
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

I am infuriated with the credit system we have in place. Paying off a loan should not be a PUNISHMENT and it is to my credit score EVERY TIME I PAY IT OFF! My credit score dropped XXXX points and I am struggling against it when trying to rent a new home. 

I already have a bankruptcy on my report and this is the second time doing the RIGHT THING ( Paying off my loans ) XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am infuriated with the credit system we have in place. Paying off a loan should not be a PUNISHMENT and it is to my XXXX XXXX EVERY TIME I PAY IT OFF! My XXXX XXXX dropped XXXX points and I am struggling against it when trying to rent a new home. 

I already have a bankruptcy on my report and this is the second time doing the RIGHT THING ( Paying off my loans ) Has shot me in the foot!
Consumer complaint received 2020-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (NC)

My Spouse XXXX XXXX XXXX, Submitted our joint tax returns from the IRS for the previous two years as requested by American Express during the credit limit increase process. Problem I have with this is American Express has not explicitly written to confirm receipt of these sensitive documents. I ( XXXX XXXX XXXX XXXX XXXX am not an American Express card holder, this would be considered collecting third party information. Without American Express making a decision on the credit limit increase, I have no way of knowing if American Express is simply collecting these documents and what they're intent and purpose is. This is unethical and should be investigated.
Consumer complaint received 2020-11-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (ID)

Disputes have been filed repeatedly through all 3 bureaus but the response is immediate without any investigation. I have been given only 4 chances to dispute this bill and then I have to call the credit bureaus and force them to file another dispute which usually is returned by the next day as " valid. ''
Consumer complaint received 2023-01-13
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: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$8300.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, and XXXXXXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2020-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NJ)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX