davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-02
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: JPMORGAN CHASE & CO. (PA)

CREDIT REPORT DISPUTE LETTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania, XXXX ( XXXX ) XXXX Dear XXXX, XXXX, XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amounts ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX Amount : SHard Inquiry XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX ( 2 times ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 times ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JPMCB CArd XXXX XXXX  XXXXXXXX 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 XXXXXXXX XXXX I am disputing this claim due to : The reason being I have no knowledge of ever applying to and of these creditors This is my official request to have the aforementioned item to be deleted off my credit report. 
Enclosed mav be additional evidence to support my claim. 
Sincerely, By XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-02
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)

Dear Transunion, I just found out about a collection or account that I had previously contested and had taken off my credit report. I don't recognize this account, which is why. It has been brought to your attention on multiple occasions, and I have provided evidence, including a Federal Trade Commission identity theft report and a police incident report that was submitted with my neighborhood county police station. It has repeatedly been readded without my knowledge or written agreement to my TransUnion credit file, and I have never received formal notification of the reinsertion in the mail after the reinsertion. It's possible that the Fair Credit Reporting Act wasn't followed in this situation. You previously looked into this account and deleted it as a result of your own research, which showed that this collection account had been erroneously reported. I have the findings of your agency 's investigation, which indicate that the account was removed from my credit report because it was deemed to be false, erroneous, or unverifiable. The investigation 's results were also included with my earlier Transunion complaint that I filed with the Consumer Protection Financial Bureau. The other two major credit reporting agencies likewise deleted this account, but your agency restored it. Section 611 of the Fair Credit Reporting Act requires your agency to have reasonable procedures in place to prevent previously disputed tradelines from reappearing on a consumer 's credit report. Additionally, consumer reporting companies covered by the Fair Credit Reporting Act are required to implement reasonable measures to guarantee the highest level of accuracy. If you believe that this report is accurate, I need senior member adviser at Transunion Holding Company to provide me with a written statement that certifies this account as accurate under penalty of perjury. If not, kindly do a prompt review of this account/collection and immediately remove the item from my credit report. Thank you. 

XXXX XXXX XXXX
Consumer complaint received 2023-06-05
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. (AL)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719.1 presume that no proof of the alleged debt being reported to credit bureaus nor therefore any such debt, in fact therefore exists Pursuant to 18 USC 8, PROOF and Lawfully that l owe no debt, this company is violating my consumer right to PRIVACY pursuant to 15 USC 1681 b ( 2 ) company has also No permission or lawful rights to report anything using my info pursuant to 15 USC 1681 ( 4 ) which states ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2023-06-02
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. (SC)

The following inquiries are fraudulent accoding to 15 U.S. Code 1681n : XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Consumer complaint received 2023-06-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX at approximately XXXX PT, I logged into my account at Chase and noticed that I had an abnormally low balance. I checked my account activity only to realize that a payment I had sent was debited twice. 

I immediately called Chase and was told the issue was known, there was no immediate resolution to the problem, and that I would have to wait for the problem to be rectified to get access to the money. 

Chase did not notify me proactively at any point about this supposedly known issue. Chase has offered no compensation for the inconvenience and continues to offer no solution other than to wait until they can resolve the issue. 

As far as I'm concerned, this amounts to Chase withdrawing money from my account without authorization and it should be investigated immediately. Chase customers should be compensated for this issue. Chase should be penalized for the negligence in failing to protect customers from the issue and failing to notify customers of the issue.
Consumer complaint received 2017-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX sent me a letter dated X/XX/17 in response to my complaint of inaccurate information in addition to wrong account history. They claim that the credit reporting agency is at fault and they will not delete this account. Per the fair credit reporting act the company and the reporting agency get together and research the information once one disputes. XXXX claims that they are reporting the same information to all three bureaus. I find that odd considering that one of the bureaus, and I have several hard copies as proof of all three bureau reports, one credit bureau has the balance as {$0.00} and the account as closed. XXXX claims the reason for the different balances has to do with me disputing this account. That makes no logic whatsoever. Consider the fact that seeing the information being reported wrong is what made me dispute the information. Meaning, the information was already wrong prior to me disputing. XXXX claims that the bureaus interpret the reported information they way they see fit. I dont see how {$15000.00} can be intepreted as {$0.00} At this juncture, because I have tried to rectify this erroneous account with XXXX several times, and there is a legal paper trail of proof, I now have a right to file a suit for damages if they do n't instruct the three agencies to delete this account off of my credit report. Not update, but delete.
Thank you
Consumer complaint received 2023-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX, XXXX & XXXX XXXX Account # XXXX XXXX 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 2023-06-02
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. (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. 

The letters are stated with items and issues. 

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 2016-07-29
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (NM)

Upon checking my credit report, in both XXXX and XXXX I came upon a debt for {$610.00} on an ambulance charge with XXXX XXXX XXXX as the original creditor. The opened date was XXXX XXXX, XXXX and the last reported date as of XXXX XXXX, XXXX. I believe this debt to not be mine as I do have medical insurance through my employer and have not had to use an ambulance service but my insurance would have covered it if I did. I do have other ambulance service debts reporting on my credit report, however they are being reported by XXXX XXXX XXXX XXXX XXXX as the original creditor and the opened date is from XX/XX/XXXX and XX/XX/XXXX, but is being collected by another debt collection agency. I have disputed the debt with XXXX but have not with XXXX at the moment. I have also not received a verification of the debt by letter from the agency collecting this debt and had tried to call the number provided on my report but it states the voicemail is full. I also tried accessing the website but when providing my information such as, name, zip code, and last XXXX of my SSN, it states they are unable to find my information.
Consumer complaint received 2023-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2017-07-31
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (OK)

My car was reposted and has been in their custody. I have been trying to find the money and resources to get my car back even trying to call them on a regular to see what my options were. I called Santander on XXXX XXXX, 2017 to see what my best option was as I could not come up with the full amount. I was told that if I made a payment of XXXX which is the monthly payment of the car, I would get an additional 10 days to come up with the rest. I accepted the offer. The representative then asked me if I would be making that payment that day, I told him if I received the funds from my mom who was aiding me I will as I was waiting for a check. The representative then said ok. He did not notify me that he had already given me the 10 days extension. In my mind and from what he told me I had to make the payment first before receiving the extension. He went ahead and gave me an extension without my knowledge. So when I called back on Friday XX/XX/XXXX with two months worth of my payment, I was told the extension was already given. The problem with that is, I needed that extension so come up with the rest of the money. Without him telling me that and informing me, it messed up my whole plan towards insuring I get my car back. I called back and tried to work with them and speak to a manager and I was told I had to make a payment by XX/XX/XXXX or the cost would go up. I have struggled to come up with what was needed and what I was told only to be told something else. It 's been like that the past month. With this company. It 's not fair that the representative did not communicate that with me. He should have told me he had given me an extension already, so I know the days and the time I needed to make my payment by. It 's not my fault that he did not communicate that with me, it would have made things easier for me knowing my options.
Consumer complaint received 2023-06-02
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (KY)

The cabin that the mortgage loan is on is our vacation rental investment home and was purchased in XXXX with no mortgage against it. We own a logistics transportation business since XXXX and was very profitable up until XXXX when Covid hit so many businesses.My husband and I haven't received a personal income in four years and have depended on our cabin rental to help pay what bills we could.We had our mortgage loan with our local bank and was looking for lower interest. The company we went to sold our loan to Select Portfolio Servicing and had never dealt with this type of company. XX/XX/XXXX I started working with XXXX XXXX to get my mortgage moved to help with payments and use our equity to consolidate debt and do renovation needed at the cabin.Signed all the documents in XXXX with a notary and was told from XXXX they would payoff SPS and would receive funds end of XXXXThey requested a payoff quote from SPS on XX/XX/XXXX. I was also working with SPS for a lower payment so we could continue making the mortgage payment. On XX/XX/XXXX they sent me a payment plan that was to start on XX/XX/XXXX for {$3200.00} and was higher than our payment of $ XXXX were not trying to help with our issue to have affordable payment! I was still working with XXXX hoping for an answer and the first lender did not work. On XX/XX/XXXX SPS withdrew my application for assistance because I didn't the payment plan that I could not afford! On XX/XX/XXXX they sent me a demand notice of default, so I started sending them documents for the assistance program. From XX/XX/XXXX I kept getting letters stating missing information and contacted them each time to see what else they needed up until XXXXOn XX/XX/XXXX I contacted the relationship manager and wanted to make a {$5000.00} payment on the loan that would cover two months and wouldn't except because had started foreclosure on the property. We have always had our home loans with our with our local bank and moved the loan for lower interest and have always made our payments on time for 42 years. I have never done business with this type of company and would have never moved our loan if I had known this could happen! There business practices are unethical for the average consumer that is trying to survive and was hit with an unfortunate situation out of our control. We want and need to keep our home and the rental is our only income to live.I have read reviews with SPS and they are all BAD. I hope you can help me with this and stop foreclosure on our home.They have set the date for XX/XX/XXXX to no longer work with me. Need your Help!
Consumer complaint received 2016-04-05
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I received a phone call from XXXX. It was from Card Services. I waited on the line to speak to someone to tell them to remove me from the list. A man answered,. so I told asked him to remove me and not to not call back. He proceeded to say, I dot want to. I said again, remove me or I will report you. He said, I do n't feel like it, Give me {$10.00} and I will then remove you. So I told him I would report him, again, and hung up. I am on the National DO NOT CALL LIST! When you try to call the number above back, it goes to an automated recording, saying the person you are trying to reach is unavailable!
Consumer complaint received 2023-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX XXXX ) : ( XXXX XXXX XXXX XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have taken the necessary steps to address this issue by reporting the false information that has been disclosed. As a victim of identity theft, I want to emphasize the significant stress and financial burden that has been placed upon me due to the inclusion of products that do not pertain to my identity and for which I am not responsible. It is imperative that this complaint is handled appropriately ; otherwise, I will be left with no choice but to initiate legal proceedings. These false and fraudulent entries on my consumer report have had a detrimental impact on my ability to fulfill personal aspirations, such as purchasing my dream car, and provide necessary support for my family.
Consumer complaint received 2023-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NV)

3 Treasury Checks were deposited on XX/XX/23, totaling just over XXXX. The bank placed a hold on the check until XX/XX/23. The treasury checks were verified through the treasury department as being valid, and on XX/XX/23 were also verified as paid by the treasury department. Chase Bank refused to release the funds, and have cause me material hardship with the inability to pay vendors and employees. There is no valid reason for them to hold funds since they have already cleared and I have all supporting documentation and proof required. I have banked with Chase for over 16 years.
Consumer complaint received 2017-07-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

My wife and I use USAA as our finachial institution for direct deposit, payment of bills and auto/rental insurance. The main frustrating issue I have with USAA is getting charged non-sufficient fund fees. I feel that NSF fees are thefts being made to consumers who are forced to use banks for making payments. It is unfair, it is unethical, it is wrong for USAA to steal from me ( and people like me ) and yet at the same time have a net worth of over XXXX XXXX dollars. I recently received three NSF fees : XXXX XXXX, 2017 CHK # XXXX {$29.00} XXXX XXXX, 2017 NSF FEE - ITEM RETURNED ACH - XXXX XXXX {$29.00} XXXX XXXX, 2017 NSF FEE - ITEM RETURNED ACH - XXXX {$29.00} I called USAA in regard to this matter and I was told that my account can no longer receive any NSF fee reversal due to NSF fee reversals in the past. I can not afford to have USAA steal {$87.00} from me in addition to the three company 's that I have revived fees from also.
Consumer complaint received 2023-06-02
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. (NY)

I just checked my XXXX credit report & it is showing the Mortgage account owned by XXXX are 60 Days Payment late. This is not correct, and I am attaching my bank statement to show that the account was never " 60 days Late ''. This incorrect credit reporting is now hurting my score and went down XXXX points.
Consumer complaint received 2023-06-02
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: AMERICAN EXPRESS COMPANY (DC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, DC XXXX XXXX XXXX XX/XX/2023 American Express : I am writing in response to a request for an explanation of the dispute on a criminal authorized charge from a taxi cab in XXXX. As I have explained several times in calls, there is no written documentation. I never signed or approved a {$5300.00} charge for a taxi cab in XXXX. 

I arrived in XXXX, XXXX, by air on Monday, XX/XX/XXXX, around XXXX XXXX  for an international conference. Two colleagues and I went to the taxi booking desks and arranged a taxi. The cost was to be the equivalent of {$25.00} which we were to pay to the driver. My colleague had been to XXXX before and knew that was the going price for the short trip. On the way out of customs, our party was met by a driver who said he was our taxi and took us to a car. In retrospect, we now know the man who greeted us was a scammer. 

We were asked to pay the {$25.00} by card. I gave the taxicab driver my amex credit card. The card was run several times and we were told it was not going through. My colleague also gave her credit card and was also told the card did not go through. At no time did either of us give him a pin or sign any receipts. We said we would pay cash and the driver took us to the XXXX XXXX, a 20-minute drive from the airport. 

Because we were told the credit card did not go through, I paid the driver US dollars in cash. He did not speak much English. 

Both my credit card ( Amex ) and my colleagues credit cards were compromised with these outrageous charges. 

As I said on repeated calls, I have no documentation, but the colleagues with me were XXXX XXXX and XXXX XXXX. They would be happy to verify my account of the case. 

I would be pleased to answer any other questions. 

Sincerely, XXXX XXXX XXXX