davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NV)

On XXXX Chase bank restricted all my accounts. The branch manager saw I had a SBA and PPP loan in my personal account. I have used my personal account for my business for the last 15 years. I am not required to have a business account. She said " I am not a business, and that I am not allowed to have these loans ''. She said I need to send her proof that I am a business. I sent her my schedule C 'Business Profit and Loss ' 1040 the following morning ( see attached ). She then requested my 1099. I sent it to her within 10 minutes of her request ( see attached ). She then said the only other form needed was the 2nd page of my 1040 ( see attached ) and that my account would be cleared. It was not. The branch manager is angered and refused to send the last document to the fraud department because I was not very nice to her for accusing me of fraud. I contacted the Chase fraud department and they told me I could go to another branch to send it in. Tuesday, XXXX I went to the XXXX XXXX branch in XXXX XXXX and had them submit the requested 2nd page. I called, and the fraud department said they did not receive it. So, Wednesday I went to a different Chase Branch and had the Branch Manager/Vice President XXXX XXXX ( see attached business card ) send it again. I called the fraud department 24 hours later, and they said they did not receive it.
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Southern Financial Systems, Inc. (LA)

On XXXX XXXX, I was XXXX  and went to the Er at XXXX XXXX Hospital in XXXX XXXX Ms . I explained to the er nurse what happened and she documented everything. I got a call from the hospital about a month later in regards to the bill and I explained to the lady that I am fully covered by XXXX and XXXX as I am XXXX. However Im not sure if they would cover it as it was the result of an XXXX. She said that she would look into it and get back to me. I did not hear from her and now I have a southern financial systems reporting a failure to pay on my credit report. I did not enter into any sort of contract with southern financial systems and did not give XXXX XXXX hospital permissions to release any of my information to said company. I have provided information necessary to get this debt paid. Why is it on my account and why is a company that I have no dealings with reporting it? I have never received a paper bill only the phone call from the billing agent asking when I would make a payment. I told her at that point of my full coverage insurance and notified her that I had never gotten a bill. Also the XXXX advocate group agreed to pay any over allowed balances from the hospital bill from the XXXX. I did not get any other correspondences besides this popping up on my credit report.
Consumer complaint received 2021-08-19
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. (MI)

I am contacting you regarding a 30 day derogatory marks that appear on my three credit bureaus reported by XXXX/XXXX XXXX XXXX XX/XX/2020. I dispute these and drequest a full expulsion of this 30 late imprint dependent on the instituted Section 4021 of the Coronavirus Aid, Relief, and Economic Security Act ( the CARES Act ) which bars ( and makes illicit ) a particularly injurious imprint, subject to its terms. The reason for this letter is to ask that the slanderous imprint promptly be accounted for as current to the three significant credit detailing organizations, XXXX, XXXX  and Equifax, so this matter be settled genially and with no court intercession. Prior to the missed payment, I attempted to contact XXXX regarding my charge card payments, but ineffectively because of hold times a few hours in length. My income has been temporarily adversely affected by the COVID-19 outbreak, I have encountered serious monetary and a wellbeing difficulty because of the financial halt that our nation is going through. Recently, and in response to the COVID-19 outbreak, the CARES Act was signed into law by the President of the United States on Friday XXXX XXXX. The CARES Act modifies the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( the FCRA ) by precluding furnishers of credit information ( which specifically includes all major banks ) from reporting any deferred payments, forbearances, or other missed payments during the covered period
Consumer complaint received 2021-04-16
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: EQUIFAX, INC. (FL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report :XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-31
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Two fraudulent charges appeared on my visa debit edd card. I have not been given a reasonable opportunity to address the charges and have them resolved. I can document the 5+ hours I spent on hold today spread over 3 call attempts. 

I called and spoke with customer service at Bank of Americas CA EDD division at XXXX. At XXXX I was transferred to a claims department agent. I can document the length of my unsuccessful calls to report fraudulent charges. 

When I was eventually connected to the claims department eventually the operator asked me to hold after asking a few account ownership questions. Moments passed with no speaking ... I asked if she was still helping me and the call suddenly dropped at exactly XXXX PST. 

It is impossibly difficult to get through and once getting an agent on the phone it seems that a game is played.
Consumer complaint received 2021-04-16
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: SYNCHRONY FINANCIAL (NY)

THE ACCOUNTS LISTED ARE ERRORS AND ARE FRAUD. THESE ACCOUNTS ARE HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNTS ARE NOT MINE, THEY BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.
Consumer complaint received 2020-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

After reviewing my credit report I noticed there were fraudulent inquiries on my credit file. I have no knowledge of these hard inquiries and they do not belong to me. I have a fraud alert on my credit file and was not notified of someone applying for credit in my name. My phone number is listed on my fraud alert and no one contacted me to validate if I was applying to extend credit. These are fraudulent and needs to be deleted immediately off my credit file. I reached out to the creditors and they wasnt able to provide me with any information on the inquiries or who attempted to get credit in my name. The inquires are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/20 XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/20 XXXX : XXXX XXXX XXXX XXXX  XX/XX/20 XXXX : XXXX XXXX XXXX XXXX XX/XX/20 XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XX/XX/20 XXXX  : XXXX XXXX XXXX XXXX XX/XX/20 Experian : XXXX XXXXXXXX XXXX XXXX  XX/XX/20 Experian : XXXX XXXX XXXX XXXX  XX/XX/20
Consumer complaint received 2024-12-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation (OH)

A few years ago Fortiva Bank offered me a credit card with twenty percentile interest. I accepted the card with an end use agreement that there were no annual fee. The interest rate was directly tied to federal reserve tax rate with a formula. I didnt use the card for several months at which point they threatened to revoke the credit card and close the account. Inflation had started to take hold with US economy. They raised the interest rate to 29 %. This was actually the lowest rate card I had so I used it for some expenses. Once the balance hit {$1800.00} the company said they were modifying the agreement. They added an {$8.00} month fee and set the interest rate at 39 %. I immediately objected in writing with both them and the better business bureau. I made all my payments in a timely manner. I have good credit ( XXXX at this writing ). I told them if they did that I would close the account. So it took 6 months to convince XXXX XXXX to extend a 0 % credit offer ( because of my credit score ). I did what I said. I took XXXX statement. Made {$71.00} payment. Got a pay off balance and gave it to XXXX to cover the remaining balance. They were actually overpaid the balance of XXXX statement. It should have brought the account balance to {$0.00}. This is predatory business practices. Especially for someone with good credIt. To just implement all sorts of fees and double the interest when I did nothing to violate the original agreement. Another bank set the account at 0 % interest because of my credit score. They started running the fee through 40 % finance interest rates instead of taking it from my monthly payment. They had kept almost half my payments in finance charges. When I asked them paid in full account be closed they initially refused. Told me I had to call them. They purposely leave people on hold for hours. I do not have this kind of time. On my 3rd written request I got an email back saying the account was closed. Now they are trying to charge more fees on a XXXX balance card. The card is not shut off and Fortiva Bank continues to conduct themselves in a predatory lending manner.
Consumer complaint received 2024-11-07
Product: Credit reporting 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. (GA)

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.

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 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 60 days straight with XXXX 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 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. 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 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX 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 2020-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MA)

I have spent 3 months contacting creditors and credit agencies for late payments that I made and have confirmations and bank statements for. I had several corrected with XXXX and I uploaded the creditors removal fir XXXX  and experian still has the accounts Ive worked so hard to correct as late or not updated! I dont know what else to do.
Consumer complaint received 2021-11-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (VA)

XX/XX/2021 Chime XXXX XXXX XXXX, put my account in review, I sent them all the information they requested to verify my identity, the continued to closed my account and tell me XXXX not eligible for a refund, Ive been try contact them constantly, and they wont reply or tell me anything or the reason they did what they did, I had {$17000.00} In my checking account, my life had been harsh since they took my money please help me
Consumer complaint received 2021-08-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (MS)

On XX/XX/2021, XXXXXXXX XXXX XXXX XXXX authorized my XXXX XXXX card for {$170.00} as a hotel authorization at checkin. There were no charges to my account and I checked out of the hotel. The hotel advised me they had released the hold on my account. A week later, I contacted XXXX because my funds were still on hold. They advised me they held the funds " up to thirty ( 30 ) days '' for hotel authorizations. It is now XX/XX/2021 and it has been 30 days. My funds still have not been refunded to me yet the authorization no longer shows on my account when I login online. I have contacted Serve several times and they insist the funds will be " released today '' but that has not occurred.
Consumer complaint received 2020-10-31
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. (GA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown items on my consumer report. It has now been 30+ Days and I have not yet received a reply. I feel as if I'm being ignored and my issues are being disregarded. Section 611 ( a ), explains that failure to investigate disputed items within 30 days is cause for immediate deletion from the consumer report. I have been waiting patiently for a response, for more than the required timeframe. So, with that being said I am demanding that the items be deleted immediately. Their have been multiple violations committed during this ordeal which has me feeling as if I'm being taken advantage of. Ive also searched my name in the XXXX data breach system and learned that my info was compromised. PLEASE DELETE ALL DISPUTED ITEMS IMMEDIATELY.
Consumer complaint received 2021-08-25
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: Self Financial Inc. (FL)

XXXX XXXX  is in violation of numerous consumer rights including 15 USC 1681a ( 2 ) ( B ), 15 USC 1692 ( c ), and 15 USC 1692 ( b ). And I am requesting they provide a debt validation letter and a sworn affidavit within the next 30 days and provide a law that states a consumer has to pay an alleged debt. Documents are attached to this complaint.
Consumer complaint received 2020-10-31
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. (PA)

Experian got 5 letters for 2 coections that are totally wrong. I send first letter stating company " XXXX XXXX XXXX XXXX. '' was blackmailing me. I sent them info showing it was paid and veteran administration pays all medical bills no matter what is the problem. 

2. I sent legal papers stating under FAIR CREDIT REPORTING AGRNCY SECTIPN XXXX AND XXXX ( XXXX XXXX AND WHAT BILLS WERE EXACTLY FOR SECTION ) THAT THEY TO HAVE TO PRODUCE THIS TO STAY PN CREDIT REPORT. I DIDNT GET BACK ANYTHING IN MAIL AND AFTER DAY OF DOUNG ONLINE YOU COULD TELL ITWAS FROM CUSTOMER SEVICE IN DIFFERENT COUNTRIES. THESE HAVE BEEN PSID TO ORIGANAL MEDICAL FACIKITY AND 3RD RATE BILL COLLECTER IS JUST SCAM ARTIST. AFTER 49 YEARS THEY ONLY HAVE 2 COLLECTIONSVON ME FOR KUTTLE AMOUNTS? YESH RIGHT. AFTER 30 DAYS THESE NEED TO COME OFF EXPERAN CREDIT REPORT AND NEVER COME BACK ON. FIRST THERE HAVE BERN DOUBLES IN ALKVTHE BILLS THISC " ACSE '' SENT THEM. THEY NEVER SENT ME ANYTHING AND HANG UP WHEN I CALL. THETY WANT CASH FOR BILLS ALL READY PAID. BIT EXPERIAN IS WRONG AND HAD YEARS TO TAKE OFF. I WILL GO CIVIL BURT THEY KNOW RHEY HAVENT DOBE JOB ANSD THEY CAN TAKE OFF BECAUSE RHUS WAS DURING MILITARY duty.

Experan needs to take off 2 colkections because they didnt send back fair credit reporting agencies XXXX XXXX XXXX  or XXXX  Especially XXXX  and XXXX  that i gavevthem 5 timed to send back. They dont have information to keep this on credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX
Consumer complaint received 2022-07-16
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. (NY)

XXXX XXXX XXXX XXXX XXXX - All 3 bureaus continue to report information verified as accurate for this card when they continue to report a 60 and 90 day late payment without the account ever having a 30 day late payment.

As a result of the continued generic response I keep getting I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. I would also request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter.
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hi, I am perplexed as to why receivables performance remains on my credit report after I have asked for a validation of this account. There is/was never a contract with the original creditor XXXX, I see a balance reporting of {$110.00}. What are the steps taken to validate this account as mine? 


Receivables performance did advise of a prorated amount and XXXX advised they don't require contracts if it isn't a business. However, that is not acceptable as I am advising this is not my account. This has become a direct violation of FDCPA and if not resolved immediately I will further my reporting.