davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

XXXX I closed checking and savings account at XXXX XXXX receiving 2 Cashiers checks for the balance of those accounts. Check # XXXX {$1900.00} checking & Check # XXXX {$1000.00} savings account. 
XXXX Both checks were Deposited into my chase checking account via XXXX XXXX XXXX Both check were cleared by XXXX XXXX and funds released to Chase Back same day. 
XXXX : Received email from Chase stating my accounts would be closed due to Fradulent activity.on XXXX and all banking services were suspended immediately. 
XXXX : I visited Chase Bank due to my Bank card not working - I did not know my account was frozen. I missed the mail sent to me on XXXX. Account services stated my accout was about to closed due to fraud for the Cashiers Checks previously deposited. I presented the actual Cahsiers checks to Staff at Chase ( security measures visable on checks, and call to XXXX XXXX branch verified they produced the checks. Chase Branch personnel asured the validity the cashiers checks to their fraud department. I was informed nothing could stop closure of my accounts. Chase would send me via mail my checking account balance, my savings account balance within 5 to 10 business days and the {$2900.00} amount from the 2 cashiers check. with in 3 weeks time. 
I received balance of my Chase checking account and Savings account within 10 business days. I did not receive my remaing funds. 
XXXX I visited Chase Branch XXXX : Inquiring about my missing monies and Branch contacted Fraud dept - which stated XXXXXXXX XXXX could not be reached to veify validity of funds. 
XXXX Contacted XXXXXXXX XXXX to verify funds were dispersed to Chase and they could not cancel checks. 
XXXX Back and forth with XXXX XXXX offering to assist me and Chase Bank Branch assisting me yet Chase Fraud Dept . refusing to accept any information from XXXXXXXX XXXX and Chase Branch. 
XXXX Returned to Chase Branch - informend Branch its been over 60 days that Chase has had my funds. Enough time has passed for Fraud to have completed their investigation and release my Funds. 
Chase Branch : XXXX opened a investigation in my behalf and that would demand a respose from Chase within 72 hrs XXXXXXXX XXXXXXXX received call from Fraud Dept. I demanded Stating investigation opened- and they will respond. I was told I would get a call with fax number to send documation I had. I received no number. 
XXXXXXXX XXXX XXXX Received call from Fraud Dept. Once again stating XXXXXXXX XXXX  could not be reached to verify the cashiers checks. No other remedy is available. Fraud Dept could not direct me with any other recourse. 
XXXX begain researching how to sue Chase for return of my monies. 
Chase Bank has not remedy for this. They have basically stolen my money and has no intention of returning it to me. They have never contacted me again about returning it.
Consumer complaint received 2021-07-21
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: Experian Information Solutions Inc. (IA)

I sent a dispute letter to Experian pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, they are useless.
Consumer complaint received 2022-02-17
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. (MS)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I sent a dispute letter to TransUnion pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, they are useless.
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (DE)

We have a security freeze with all the major credit agencies for myself and my spouse XXXX XXXX, XXXX, and Equifax. The complaint is only with Equifax. On XXXX XXXX We temporarily lifted the freeze on these accounts. We were unable to access our online accounts with Equifax, we called and spoke to a representative at Equifax to complete the order. We then spoke to several representatives about this access for our accounts. These conversations lasted over three hours on XX/XX/XXXX. We are unable to check our credit report or credit score or lock or unlock our accounts. We were assigned case numbers for this problem. Equifax stated that they would close the old accounts and reset for new ones as they were unable to recover the accounts. I was told to wait three to five days and check back. We called again on XXXX XXXX which lasted another two hours the cases were escalated. We were told a second time to wait 24 to 48 hours. Still the same problem. We need our myequifax accounts accessible because we can not manage a freeze. We can not start or stop a security freeze.
Consumer complaint received 2021-04-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (PA)

I check my credit today at XX/XX/2021 and my credit dropped 80 points. Enhanced recovery company destroyed my credit. I called the company and explain to them that I did not live at the address that they said that the person that had the account. I did not open this account therefore I should not be responsible and my credit should not be destroyed because of somebody else. The person that use my Social Security number needs to be in prison.
Consumer complaint received 2021-01-21
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Around XX/XX/2020 someone stole {$4000.00} out of my bank of America debit card, I made a claim reporting the incident and the bank froze my card and sent another one. The new card that was sent I never activated because I was afraid the same thing would happen again, so I waited for response from bank of America. Two weeks later I got letter claiming my case was closed for fraudulent activity and my money would not be recovered. Meanwhile my unemployment benefits still being sent to the new card. I called again to try to get a reasonable answer for claim being closed, but was told to contact edd. I'd try contact edd but no response. So I decided to check to see balance on new card since money was still being sent, and I was told the new card was closed for fraudulent activity. At this point I don't know what to do.
Consumer complaint received 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (OR)

In XXXX I contacted Amex to help enroll me into the XXXX XXXX XXXX. Originally I was approved and they were going to set me up on a 12 month plan for reduced payments and I agreed. They said my account would be updated and I would see the lowered payment and begin in XXXX. That never happened and my account went past due. I called about 15 times over the last month and I either was hung up on or the call mysteriously was dropped. I never received a call back and when I escalated the situation I finally got someone who let me know their was a technical issue on Amex 's side. I had them agree on a recorded line they would not submit me to a credit agency or negatively affect my account while the issue is being resolved. They agreed on a recorded line and made notes according to the agent. Today XX/XX/21 I recieved notification from my credit reporting tool that negative info was placed by Amex. I always let Amex know I needed temproray help and this reduced payment could and would be made if they allowed. They never did. I also let them know after I lost my job, I had retained employement and would be able to get back to paying the card as before and cleaing the balance monthly as required by terms and agreement. Amex has created this issue and provided no support and then submitted the past due that was created by their issue after agreeing on a recorded line they would not. I am now employed and will pay the card off but need Amex to remove the info as agreed.
Consumer complaint received 2021-10-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of Fort Walton Beach, Inc (NC)

An unknown collection was added to my XXXX  credit report. I called the debt holder " collection bureau of Fort Walton beach '' and requested verification of the debt. I was told that information would be shared with me. After several weeks of no response, I reached out again. I was told that the information would be shared with me. Again several weeks of waiting with no response. After a third attempt and threatening a law suit, a simple word document was sent to me with hardly any information on it. Simply my name, my birth date and a cost. Even with such little information provided, there were inaccuracies. Specifically my birthday. This is clearly not my debt and has been disputed with XXXX.
Consumer complaint received 2021-01-21
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 — Investigation took more than 30 days
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I do not remember owning this particular account. I've asked the agency to provide signed paperwork that proves that I really own the questionable account but they have not complied as of the moment.
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have called XXXX many times in an attempt to rectify this issue. They are reporting late payments to the CRAs even though the terms were {$XXXX} for XXXX  months. The account was paid off before then. In fact XXXX shows XXXX derogatory months while trans union shows XXXX. The amount due was paid in a lump sum of {$XXXX}.
Consumer complaint received 2021-07-21
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. (IL)

I was a young lady and did not know anything about credit and every time I apply for a place to live I am denied. I'm currently XXXX  and have been for years because of identity theft. It says I have rental properties from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX For a car loan. I absolutely didn't authorize or knew anything about any of this until early XX/XX/2021. My name is even spelled wrong and I have never lived at those properties.
Consumer complaint received 2022-06-22
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. (GA)

XX/XX/XXXX, XXXX XXXX has reported delinquencies and my credit file ( with XXXX, Equifax, XXXX ) and continues to post this account as an active account and the account is charged off & closed since XXXX ( {$14000.00} my file saying that I owe after the vehicle was repossessed, and the finance amount was allegedly {$17000.00} ). The car was repossessed XXXXXXXX XXXX  XXXX, while my XXXX XXXX child sat in the passenger seat at XXXXI filed a police report on that date against them as well. I have asked all 3 credit bureaus to investigate, to remove this item, and they have not complied. They are also in violation of Georgia law XXXX  code 9-3-25. 

As of XXXX XXXX XXXX, Equifax XXXX XXXX has reported XXXX XXXX to all three bureaus that I owe {$240.00}, this is a closed collection. I have asked that it be removed, they have not complied. 

As of XX/XX/XXXX & XXXX XXXX XXXX XXXX XXXX, has shown up on all 3 credit files as delinquent in the amount of {$1800.00}. This is incorrect information and I've asked for it to be removed. 
As of XX/XX/XXXX & XXXX XXXX XXXX XXXX XXXX has shown up on all 3 credit bureaus that I owe {$1800.00} I've never had a device with this company and I have asked that they remove this item multiple times. 

XXXX & XXXX both have listed my student loans with Dept of EducationXXXX with incorrect amounts, dates & delinquencies. I have asked that they be removed. 

In accordance with the Fair Credit Reporting act 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 2021-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I needed to temporarily lift a credit freeze, and TransUnion is being uncooperative throughout the process. Ultimately, my credit has been unfrozen but TransUnion is not allowing me to refreeze my credit. 

I first placed my freeze through TransUnion via their website. I do not remember the exact date but it was approximately 5-6 years ago. Ever since that date, TransUnion 's website has indicated that my " freeze status is unknown '' and does not allow me to manage my freeze online. The website has not once worked correctly. 

Therefore, when I need to temporarily lift the freeze, I use TransUnion 's automated phone system. However, yesterday ( XX/XX/2021 XXXX when I attempted to temporarily lift the freeze, I was told " an error occurred '' by the automated phone system. I spoke with a human who told me that the freeze was actually permanently removed, although I did not ask for that to happen. To add insult to injury, that human representative tried to sell me a paid credit monitoring product even though their system glitched and caused me these issues. 

Today ( XX/XX/2021 ) I am ready to re-freeze my credit. However, I have tried through three channels and TransUnion will not place the freeze. 
( 1 ) Automated phone system indicates " an error occurred '' and directs me to talk to a representative, but I have waited on hold for a long time and nobody has answered my call. 
( 2 ) I tried logging in to my existing TransUnion website account and was told again that " freeze status is unknown '' so I can not place a freeze here. 
( 3 ) I tried completing the freeze process from scratch at transunion.com, but am told they can not place the freeze.
Consumer complaint received 2021-08-04
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: Bread Financial Holdings, Inc. (NJ)

XXXX XXXX XXXX, late payments who were never made. XXXX REMOVE THEM NOW. 



XXXX XXXX - Date opened - XX/XX/XXXX - This account only appears on XXXX, it is really odd since it is the only i have on my credit report showing on a Bureau, remove them now. 


XXXX - Date opened - XX/XX/XXXX - This account only appears on XXXX, it is really odd since it is the only i have on my credit report showing on a Bureau, remove them now. 



Two inquiries who are - XXXX  XXXXXXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX  XXXX Utilities and Fuel XX/XX/XXXX
Consumer complaint received 2021-01-21
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. (CA)

XXXX XXXX XXXX Balance {$2600.00} - This account is not familiar to me. Provide me with necessary documents to prove its mine. My petition to request this documentation is a standard information petition based on my rights given from the fair credit billing act. If you can not create this data per my civil rights inquiry, please quickly remove this particular invalid post. 

XXXX XXXX XXXX XXXX Balance : {$1300.00} - The actual account position which is recently reporting on my credit document is having a drastically negative affect on my personal chance to get hold of affirmation for just a new loan application, you should produce proof that this has been reported perfectly in accordance with the Fair Credit Reporting Act recommendations, it is a crucial thing to mis-report. On top of that I'm not thoroughly aware about the particular date opened therefore I prefer to request your verification with the formerly discussed item also. If you fail to prove this information as being 100 % precise please make sure you delete it completely! Thank you very much!
Consumer complaint received 2022-04-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC (IL)

On XX/XX/2021, I was notified about RentDebt 's collection that was reporting an account that I had no knowledge of until it was reported on my credit report. I called to speak to someone from this agency and sent them my lease and other bills that would verify that I was not at the apartment complex that they are reporting for. The manager stated, " You can have two apartments and light services. '' He did not take my original lease from my complex that I have been in for 5 years, and XXXX  bill as proof. I then disputed the information with XXXX, and I sent them a 609 letter to verify and submit proof of verification and they denied me that information. The attachment is a light bill that is months prior to the date of debt. I There is only one residence on the bill. If there were multiple units attached to this bill, it would show that location of where the debt is trying to collect from.
Consumer complaint received 2021-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: INDUSTRIAL AND COMMERCIAL BANK OF CHINA (USA), NATIONAL ASSOCIATION (FL)

I have a UnionPay Platinum card from ICBC which I got so that I could use it when I travel to XXXX. I havent been able to do all the trips I had planned due to covid. I still pay for the annual fee even though I dont use it much, since I want to keep it for when the pandemic is over. In XXXX my statement closed and the annual fee posted, with a due date of XX/XX/XXXX. I have electronic statements but completely missed it. I received a text message that I was late in XX/XX/XXXX I believe, and I immediately logged in and sent payments to cover the annual fee plus a late fee. Thats ok since it was my own fault. 

My issue is that Ive been trying to confirm with the bank that no negative information will be reported to any credit bureaus since the late payment was less than 30 days, and so far nobody understands my question. If somebody can look into it and actually understand my concern that would be great.
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. (GA)

I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of XXXX XXXX, XXXX XXXX XXXX XXXX TransUnion has not responded answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX  XXXX XXXX XXXX : {$110.00} i believe were reporting in error.
Consumer complaint received 2022-07-30
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. (DC)

TRANSUNION is unlawfully reporting an unauthorized inquiry on my consumer report. I have not given TRANSUNION permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. 
You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By putting inaccurate information on my consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, TRANSUNION are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ).

Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with XXXX XXXX. 

Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX  via CREDIT CONTROL for review or collection. 
Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 
By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.