davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (MA)

Hi there, I am currently seeking advice or assistance with my financial situation. This is how it happened. On XXXX XXXX, when I initiated a Chase Quickpay transaction to send money to my friend ( her name is XXXX XXXX ) via her phone number. For some reasons, the phone number I entered is correct but it was registered under a previous owner 's XXXX XXXX XXXXXXXX checking account. My friend did receive a text confirmed that the money will be credited to her account in the next few days. However, when my friend called XXXX XXXX XXXX customer service they told her that the even though her phone number was registered under another customer 's bank account and the money already credited into that customer 's account. 
Then I initiated a claim to Chase Quickpay transaction and Chase followed up within a week told me that. The person who received my money by accidentally do not want to return the money back at all. I was wondering if there is a way to get back that money. Please kindly assist with this financial situation, that money was a big amount of my saving. I really appreciate it if you take a closer look at this or guide me to the right legal assistance with this issue. Thanks in advance. 

Best regards, XXXX XXXX
Consumer complaint received 2018-01-03
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. (NY)

My name is XXXX XXXX my social security number XXXX XXXX year of birth. Equifax confirmation number XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX by XXXX. My complaint is that on my credit report their any account that not mine that creditor is XXXX XXXX XXXX XXXX that account number is XXXX XXXX XXXX XXXX is a fraud account that. Should of been remove off my credit file and it 's still showing please talk to Equifax consumer affair dept to have that fraud account remove, and also I told them that I had hard fraud inqiluires on my credit file there XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries and XXXX and Equifax XXXX inquires and XXXX XXXX all these are fraud and they also refuse to remove them .please talk to Equifax thank you
Consumer complaint received 2018-01-03
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. (NV)

I have multiple dispute issues with Experian, XXXX and XXXX that are not being corrected per the FCRA. I 've consulted with my attorney and was notified that neither the credit bureaus or the creditors have the right to report disputed information that has not been legally verified. I 've researched and found XXXX XXXX XXXX XXXX, wherein Congress states that the only legal form of verification per the FCRA is possessing and producing proof of their claim. Otherwise, it 's only hearsay. Congress further states that the burden of proof is on the creditors and credit bureaus - NOT the consumer.

Here is my dispute to Experian, XXXX and XXXX ( below ). Due to the fact that these accounts are reporting inaccurate and have not been verified, corrected or deleted, they must be removed immediately from my credit report. 

Im well aware that my credit report is showing inaccurate items, and Im appalled at the so-called investigations that have been performed on my behalf. Ive consulted with my attorney and have been informed that without the physical documentation to back up your claim that this has been verified, it does not meet the requirements of the FCRA. Ive disputed directly with the creditor as well and was told that at no time was any documentation sent to you to validate my disputes. How can this be verified? Congress states in XXXX v XXXX XXXX, that the burden of proof is on the credit bureaus and creditors to verify and not the consumer. Please see the enclosed 6-page lawsuit which outlines my proof. 

XXXX XXXX XXXX Status makes no sense, delete this immediately : Experian and XXXX : closed/XXXX : open All 3 bureaus should be reporting the same information. What also doesnt make sense is that Experian and XXXX report a monthly payment of {$0.00} while XXXX  reports {$1000.00}! 

XXXX XXXX XXXX Im at a loss on how you can still be reporting this incorrectly when you had ample proof that this was incorrect. You are required to delete this immediately : Balance : Experian $ XXXX/XXXX $ XXXX/XXXX {$19000.00} XXXX XXXX XXXX Im at a loss on how you can still be reporting this incorrectly when you had ample proof that this was incorrect. You are required to delete this immediately : Balance : Experian $ XXXX/XXXX $ XXXX/XXXX {$68000.00} Past due : Experian and XXXX $ XXXX/XXXX {$0.00} Any correspondence received to and from you will be made available to my attorney as well.
Consumer complaint received 2018-01-03
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. (NV)

I have multiple dispute issues with XXXX, XXXX and TransUnion that are not being corrected per the FCRA. I 've consulted with my attorney and was notified that neither the credit bureaus or the creditors have the right to report disputed information that has not been legally verified. I 've researched and found XXXX XXXX TRANSUNION XXXX, wherein Congress states that the only legal form of verification per the FCRA is possessing and producing proof of their claim. Otherwise, it 's only hearsay. Congress further states that the burden of proof is on the creditors and credit bureaus - NOT the consumer.

Here is my dispute to XXXX, XXXX  and TransUnion ( below ). Due to the fact that these accounts are reporting inaccurate and have not been verified, corrected or deleted, they must be removed immediately from my credit report. 

Im well aware that my credit report is showing inaccurate items, and Im appalled at the so-called investigations that have been performed on my behalf. Ive consulted with my attorney and have been informed that without the physical documentation to back up your claim that this has been verified, it does not meet the requirements of the FCRA. Ive disputed directly with the creditor as well and was told that at no time was any documentation sent to you to validate my disputes. How can this be verified? Congress states in XXXX XXXX TRANSUNION XXXX, that the burden of proof is on the credit bureaus and creditors to verify and not the consumer. Please see the enclosed 6-page lawsuit which outlines my proof. 

XXXX XXXX XXXX You need to delete this account because its reporting so inaccurately, that I have no clue how its still on here. You didnt verify, correct or delete it, the issues are still there and you need to delete this immediately. 
Limit : XXXX $ XXXX/XXXX and TransUnion {$0.00} Past due : XXXX and XXXX $ XXXX/TransUnion {$65000.00} XXXX shows that I paid on time for XX/XX/XXXX an yet you show that I was late! How can that be? 
You are also still reporting late payments that make no sense! You state that I was late in XXXX of XXXX, and XX/XX/XXXXand XXXX or XX/XX/XXXXwhile XXXX clearly shows that I paid on time. Delete this account at once! 

XXXX XXXX XXXX You need to delete this account because its reporting so inaccurately, that I have no clue how its still on here. You didnt verify, correct or delete it, the issues are still there and you need to delete this immediately. 
Limit : XXXX $ XXXX/TransUnion and XXXX {$0.00} Any correspondence received to and from you will be made available to my attorney as well.
Consumer complaint received 2018-01-03
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. (NV)

I have multiple dispute issues with Experian, XXXX and XXXX that are not being corrected per the FCRA. I 've consulted with my attorney and was notified that neither the credit bureaus or the creditors have the right to report disputed information that has not been legally verified. I 've researched and found XXXX V XXXX XXXX, wherein Congress states that the only legal form of verification per the FCRA is possessing and producing proof of their claim. Otherwise, it 's only hearsay. Congress further states that the burden of proof is on the creditors and credit bureaus - NOT the consumer. 

Here is my dispute to Experian, XXXX and XXXX ( below ). Due to the fact that these accounts are reporting inaccurate and have not been verified, corrected or deleted, they must be removed immediately from my credit report. 

Im well aware that my credit report is showing inaccurate items, and Im appalled at the so-called investigations that have been performed on my behalf. Ive consulted with my attorney and have been informed that without the physical documentation to back up your claim that this has been verified, it does not meet the requirements of the FCRA. Ive disputed directly with the creditor as well and was told that at no time was any documentation sent to you to validate my disputes. How can this be verified? Congress states in XXXX v XXXX XXXX, that the burden of proof is on the credit bureaus and creditors to verify and not the consumer. Please see the enclosed 6-page lawsuit which outlines my proof. 

XXXX XXXX XXXX You need to delete this account because its reporting so inaccurately, that I have no clue how its still on here. You didnt verify, correct or delete it, the issues are still there and you need to delete this immediately. 
Limit : Experian $ XXXX/XXXX and XXXX {$0.00} Past due : Experian and XXXX $ XXXX/XXXX {$65000.00} Experian shows that I paid on time for XX/XX/XXXX an yet you show that I was late! How can that be? 
You are also still reporting late payments that make no sense! You state that I was late in XX/XX/XXXX, and XX/XX/XXXXand XX/XX/XXXXor XXXX while XXXX clearly shows that I paid on time. Delete this account at once! 

XXXX XXXX XXXX You need to delete this account because its reporting so inaccurately, that I have no clue how its still on here. You didnt verify, correct or delete it, the issues are still there and you need to delete this immediately. 
Limit : Experian $ XXXX/XXXX and XXXX {$0.00} Any correspondence received to and from you will be made available to my attorney as well.
Consumer complaint received 2018-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I have a letter from IRS showing paid Lien for 2008 paid in full and XXXX and XXXX have removed it but Transunion wo n't take it off. I went to Tax court and everything yet they wo n't remove it! 
It is keeping me from being able to get credit and loans.
Consumer complaint received 2018-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

This is a closed acct with a XXXX $ balance you cant collect on a XXXX balance also this account has been sold or transferred ... Iam also a resident of Florida per Florida statue of limitations you can not collect on a debt over 4 yrs old!!!! Please delete off my XXXX and Experian credit report!!!!
Consumer complaint received 2018-01-03
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have multiple dispute issues with XXXX and TransUnion that are not being corrected per the FCRA. I 've consulted with my attorney and was notified that neither the credit bureaus or the creditors have the right to report disputed information that has not been legally verified. I 've researched and found XXXX V TRANSUNION XX/XX/XXXX, wherein Congress states that the only legal form of verification per the FCRA is possessing and producing proof of their claim. Otherwise, it 's only hearsay. Congress further states that the burden of proof is on the creditors and credit bureaus - NOT the consumer. 

Here is my dispute to XXXX and TransUnion for XXXX XXXX ( below ). Due to the fact that no legal proof was produced to verify this late payment on XX/XX/XXXX, this account must be deleted immediately : Im well aware that my credit report is showing inaccurate items, and Im appalled at the so-called investigations that have been performed on my behalf. Ive consulted with my attorney and have been informed that without the physical documentation to back up your claim that this has been verified, it does not meet the requirements of the FCRA. Ive disputed directly with the creditor as well and was told that at no time was any documentation sent to you to validate my disputes. How can this be verified? The only legal verification for this supposed late payment on XX/XX/XXXX would be for you to furnish XXXX bank  statement proving when my payment was accepted.. Congress states in XXXX v TRANSUNION XX/XX/XXXX, that the burden of proof is on the credit bureaus and creditors to verify and not the consumer. Please see the enclosed 6-page lawsuit which outlines my proof. 

This account must immediately be deleted at once, in consideration of the fact that you never legally verified this unverifiable late payment. 

Any correspondence received to and from you will be made available to my attorney as well.
Consumer complaint received 2018-01-03
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

I have multiple dispute issues with Experian and XXXX that are not being corrected per the FCRA. I 've consulted with my attorney and was notified that neither the credit bureaus or the creditors have the right to report disputed information that has not been legally verified. I 've researched and found XXXX XXXX XXXX XXXX, wherein Congress states that the only legal form of verification per the FCRA is possessing and producing proof of their claim. Otherwise, it 's only hearsay. Congress further states that the burden of proof is on the creditors and credit bureaus - NOT the consumer. 

Here is my dispute to Experian and XXXX for XXXX XXXX ( below ). Due to the fact that no legal proof was produced to verify this late payment on XXXX XXXX, this account must be deleted immediately : Im well aware that my credit report is showing inaccurate items, and Im appalled at the so-called investigations that have been performed on my behalf. Ive consulted with my attorney and have been informed that without the physical documentation to back up your claim that this has been verified, it does not meet the requirements of the FCRA. Ive disputed directly with the creditor as well and was told that at no time was any documentation sent to you to validate my disputes. How can this be verified? The only legal verification for this supposed late payment on XXXX XXXX would be for you to furnish XXXX bank statement proving when my payment was accepted.. Congress states in XXXX v XXXX XXXX, that the burden of proof is on the credit bureaus and creditors to verify and not the consumer. Please see the enclosed 6-page lawsuit which outlines my proof. 

This account must immediately be deleted at once, in consideration of the fact that you never legally verified this unverifiable late payment. 

Any correspondence received to and from you will be made available to my attorney as well.
Consumer complaint received 2017-10-16
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. (GA)

I have sent letters stating I did not authorize these inquiries or have knowledge of authorizing these inquiries. I request documentation is sent that I authorize these inquiries or these inquiries be removed from my profile. 

XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not sure who this XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-03
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. (NJ)

I have multiple dispute issues with XXXX and TransUnion that are not being corrected per the FCRA. I 've consulted with my attorney and was notified that neither the credit bureaus or the creditors have the right to report disputed information that has not been legally verified. I 've researched and found XXXX V TRANSUNION XX/XX/XXXX, wherein Congress states that the only legal form of verification per the FCRA is possessing and producing proof of their claim. Otherwise, it 's only hearsay. Congress further states that the burden of proof is on the creditors and credit bureaus - NOT the consumer. 

Here is my dispute to XXXX and TransUnion for XXXX XXXX ( below ). Due to the fact that no legal proof was produced to verify this late payment on XXXX XXXX, this account must be deleted immediately : Im well aware that my credit report is showing inaccurate items, and Im appalled at the so-called investigations that have been performed on my behalf. Ive consulted with my attorney and have been informed that without the physical documentation to back up your claim that this has been verified, it does not meet the requirements of the FCRA. Ive disputed directly with the creditor as well and was told that at no time was any documentation sent to you to validate my disputes. How can this be verified? The only legal verification for this supposed late payment on XX/XX/XXXX would be for you to furnish XXXX bank statement proving when my payment was accepted. Congress states in XXXX v TRANSUNION XX/XX/XXXX, that the burden of proof is on the credit bureaus and creditors to verify and not the consumer. Please see the enclosed 6-page lawsuit which outlines my proof. 

This account must immediately be deleted at once, in consideration of the fact that you never legally verified this unverifiable late payment. 

Any correspondence received to and from you will be made available to my attorney as well.
Consumer complaint received 2018-01-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CNG FINANCIAL CORPORATION (FL)

I applied for a pay day loan with XXXX XXXX XXXX. I had some additional issues that prevented me not to be able to pay on XX/XX/XXXX. I called in and spoke to a customer representative a few days prior, which I requested an additional 2 weeks. He told me that he would extend it and I had to call in no later than XX/XX/XXXX to extend it for a few more months as I had to take a state accredited credit counseling course which then I would be given me almost 3 months to repay the loan in installments. Well, I called in on XX/XX/XXXX approximately XXXX XXXX and told the rep that I spoke to that I had taken the credit counseling course and I was calling to get an installment plan, she spoke to me for approximately 10 minutes or so than she told me to hold on so she can verify the documents. She kept me on hold for another several minutes and then verified they received and then she informed me, I will receive a new contract with the installment loan by email. I received an alert the following day and it was an overdraft on my account because XXXX XXXX XXXX  debited my account on XX/XX/XXXX when they were not supposed to. I called in on XX/XX/XXXX and requested to speak to a supervisor and someone named XXXX answered. I explained that I was extremely upset, because I took the course and called in and did everything I was supposed to do and you debited my account and not only that, I have a {$35.00} overdraft fee applied by my bank. XXXX, had me on the phone almost and hour and she told me, I did not do a state approved counseling course, I said it was as this is the same course that I took once before and it was approved by your organization, then she said that I did not provide a completion sheet, I said the information is the same I submitted prior that was accepted, then she said, I was supposed to provide an appointment letter first, I said I did not before, I just took the course and was approved. Then she said I called in after XXXX, I indicated I did not, your representative kept me on the phone until after XXXX. She came up with every excuse to attempt to point the finger at me, when their company dropped the ball. I asked her to reverse the debit, she said she could not. Then she said, I could reapply, why in the world would I do that, I am disputing with my bank and expecting them to give me the payment plan that I should have had to repay them. I have used this company before and never had this issue, I always paid. I do not plan on using them again. I even asked for my banking information to be removed as I do not trust the company after debiting my account hen they were not suppose to, she indicated she could not delete my banking information which is not right. It seems I am going to have to put a block or change my banking account information. I asked her for a corporate contact, I was informed it was no need as the complaint would be redirected to her.
Consumer complaint received 2018-01-03
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NJ)

This unscrupulous bank operates widely as credit card services for stores like XXXX XXXX, XXXX, XXXX, XXXX and others. They claim to mail statements and dont, then charge late fees. I opened a card in a XXXX XXXX store on a {$99.00} purchase to get a free gift they offered. I only used the card for that one purchase. I didnt receive a bill until 2 months later and it included a {$25.00} late fee. I disputed this fee, closed the account and was told the late fee would be credited. It wasnt. The next month I received a bill that charged interest on their late fee. I called again, got nowhere with them and decided to just pay the now {$29.00} bill so I wouldnt have to deal with them anymore. The next month I received a bill that showed my payment, and an additional {$1.00} minimum charge plus another {$25.00} late fee. They claim to have received my payment one day after the due date. This can not be true as I mailed it 10 days before the due date. So now I am filing complaints with consumer affairs as I am sure there are thousands of consumers being mistreated by this company. 
I have since XXXX this company and discovered many complaints exactly like mine. I dont understand how these people are allowed to operate this way.