davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (CA)

Chase closed my account while traveling, it was an older account I had opened. An unknown chargeback went to the account while I was away causing the account to overdraft. I am enrolled in paperless statements and never got a notification or a phone call of this overdraft. They closed my account and now wont let me access any historical statements. They claim you can access them in the branch, the branch referred me to collections who then referred me to customer service who is completely useless in this scenario. 

Ive had several accounts opened with other major banks and never once saw a scenario like this. Including to refusing to share my bank statements.
Consumer complaint received 2023-01-01
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. (IN)

Accounts have violated my Rights. 15 U.S.C 1681 Sec-602A State I have the right to Privacy. 15 U.S.C 1681 Sec- 604 A Sec 2 also states a consumer reporting Agency can not furnish a account without my written instructions. 15 U.S.C 1681C. ( a ) X ( 5 ) Sec states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other then records of convictions of crime which antedates the report by more than seven years. 15 U.S.C 1681s-2 9A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 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 2023-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Account Name : XXXX XXXX  Date Opened : XX/XX/2017 Amount : {$1000.00} Account Type : Charge Off This company has failed on multiple occasions in the past 10 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. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.
Consumer complaint received 2023-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX, is not stating that monthly payments are being paid. I negotiated debt, and my balance is showing incorrect amount I owe and not being paid. I have statement/bill which, shows new amount owed and being paid. 
The original creditor was XXXX XXXX Bank I can upload statement. 
XXXX is balance owed, not close to XXXX. 
XXXX XXXX refuses to make changes on credit reports.
Consumer complaint received 2023-01-01
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 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 2016-10-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc. (OK)

The company is attempting to collect a debt that is past that statute of limitations in Oklahoma. Per Oklahoma Law " Collection of Rents is 5 yrs. Tit. 12 95 ( 11 ) ''. The debt is from XX/XX/2010, which is well beyond the limitation set by the state of Oklahoma.
Consumer complaint received 2023-01-03
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. (OK)

In accordance with the Fair Credit Reporting Act The list of accounts below have violated my federally consumer rights to privacy and confidentially under USC- 1681. 
XXXX, XXXX in the amount of XXXX. XXXX in the amount of XXXX this is not even my account long with the other accounts on this list. I've been trying to get these things off my credit report for a long time. I've even hired other companies to help me get these items deleted off my account. I'm XXXX almost XXXX and I've never been able to use my own credit because since i can remember someone lots of someone's have had their hands on my information. lots of people i don't even now in states I've never been in before I don't know how this happens and its sad it does. Sorry back to my list XXXX XXXX in the amount of XXXX. XXXX XXXX XXXX in the amount of XXXX XXXX XXXX SERVICES IN THE AMOUNT OF XXXX, CREDIT XXXX XXXX XXXX XXXX THE AMOUNT OF XXXX, XXXX XXXX SERVICES XXXX, PXXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX BANK AMOUNT XXXX. XXXX XXXX XXXX. Like I said i hired other companies like XXXX XXXX and the XXXX Pros to help me remove these items and trust you me the process is way to slow I would like to buy a house and marry my sweetestlove. o yea XXXX more XXXX This was a scam i took all the paperwork text messages everything i had into them. Please help me 15.6.S.C 1681 Section 602 States i have the right to privacy 15 USC SEC 604 A It's also stating a consumer reporting agency can not furnish an account without my written instruction.

15USC.1681c ( a ) ( 5 ) Section states XXXX XXXX XXXX XXXX XXXX take any consumer report containing any of the following items of information any other adverse item of information other than renounce of conviction of crimes which antedates the report by more than XXXX. 
15USC .1681 2 ( A ) ( 1 ) A person shall not furnish any information relating to a to a consumer to any other consumer reporting agency if the person knows or has a reasonable cause to believe that the information is incorrect. or inaccurate.
Consumer complaint received 2017-01-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: A-1 Fast Cash of Tucker, Inc (GA)

On Several occasions I asked the title loan company A1 Fast Cash to not call me. I blocked their number numerous times and had to change my number. On XXXX XXXX I received numerous text messages from company and requested they stop. Company ignored me and started sending threats of being in jail and sent messages through group chat with other callers that I did n't know of false warrant documents with my personal information I asked again for this to stop they refused. After research the text they sent was false trying to scare me with fake warrant documents for a county I never lived or been in. The actions on the company behalf does violate me and I would like it stopped.
Consumer complaint received 2023-01-03
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. (PA)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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 2023-01-03
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. (PA)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

I am a business owner and have been banking with Chase financial Institution for many years, all of my business and personal banking needs as well as credit cards. During the pandemic In XXXX I and my partner were in the process of selling our business to potential buyers. Before the sale was closed and escrow requirements were met, we noticed significant amount of Business Credit inquiries on our business, which were not being inquired by us. When we found out about it, we warned them that law enforcement will be involved if they do not stop and the sale never went through. After that they disappeared. In mid XXXX I found out that I became a victim of identity theft and multiple fraudulent transactions appeared on some of my accounts. Both of my personal and business accounts were compromised. I found out about the fraudulent activities when a lot of my business and personal payments started returning. My accounts started hitting negative balances which further resulted in return payments and closure of my accounts. Up until today I am still receiving emails that unknown parties are attempting to login into some of my various accounts. 
So once I found out, I called Chase and opened several claims from XXXX XXXX XXXX merchant. It went on for several months and chase had been continuously telling me that the claims were denied. At first the reasoning was completely different than later in the process. At first the claims were denied because of the 60 day rule, which is not what my phone records indicate. After explaining and persisting they reopened the claims and denied it for completely different reason. 
Throughout this time I received and opened an email from the merchant XXXX XXXX XXXX that was being disputed, which stated that {$17000.00} was charged back by my financial institution. But Chase never disclosed this to me. They kept denying the claims. Furthermore, after researching I found out that Chase collected the money and closed some negative balances that had occurred and every Claims supervisor kept telling me that the claims are being denied. Chase collected the money and did not disclose the fact to me and neglected me. So, for more than 3 months I have been ridiculed, neglected, manipulated by the very financial institution I banked with and was told that claims are denied. If the claims were denied as I was being told on multiple phone calls all this time for months, how can Chase secretly collect money from the merchant for certain transactions and deny the others in the same claim and misinform me. How can it take the executive team weeks to find out why was this fact hidden from me?
Consumer complaint received 2023-01-03
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)

The unverified account indicated below continues reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance : {$1000.00}
Consumer complaint received 2023-01-03
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. (NJ)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN XXXX XXXX
Consumer complaint received 2023-01-03
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. (NJ)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN XXXX XXXX
Consumer complaint received 2016-06-27
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (OK)

I have missed a payment on my vehicle loan and I am willing to resolve the issue. UAC keeps contacting me at work. I have asked them several times not to call me at work, but they said that does not apply to them. Is this true?
Consumer complaint received 2023-01-03
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. (TX)

When I investigated my credit report, I realized that some of the items was erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-03
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. (PA)

I have filed disputes with the credit bureaus in regards to several accounts listed on my credit report. On XX/XX/2022 I sent in off a investigation letter to check the accuracy of the accounts on my report and to make sure my accounts were properly investigated and 100 % accurate. The credit bureas reported that the following accounts were accurate Aidvantage account XXXX {$1700.00} {$340.00} {$4900.00} {$3000.00} {$5100.00} {$5200.00} {$2500.00} {$2600.00} {$1200.00} XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX {$550.00} XXXX XXXXXXXX account XXXX {$1200.00} XXXX XXXX account XXXX The credit bureau violated ; XXXX XXXX XXXX section A, B, and C ; XXXX XXXX XXXX a section i ; XXXX XXXX XXXX section b. The law clearly states that a consumer reporting agency can not furnish a account without my written instructions. I havent given any written permission to furnish these accounts on my credit report. I am asking for a removal of all accounts listed.
Consumer complaint received 2023-01-03
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The following items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items that are causing my score to drop : 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 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 2023-01-03
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. (TX)

When I investigated my credit report, I realized that some of the items was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-03
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. (FL)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX BANK XXXX XXXX Balance {$330.00} Opened XXXX XXXX, 2019 - You are reporting a different information from other bureaus. This account was never late and I always make my payments on time. This account is only reporting as late in your bureau. If your record keeping had been accurate, this account should have never been late. Per FCRA, reporting of account information must be accurate ; I need this account updated immediately. Thank you.