davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (VA)

While we were in the process of closing on a home in South Carolina, I received fraudulent wire transfer instructions for sending money to the closing attorney. On XX/XX/XXXX, I wired {$200000.00} for my XXXX  account to XXXX XXXX, XXXX XXXX Account SC at JPMorgan Chase Bank. On XX/XX/XXXX, I wired {$250000.00} from my XXXX account to the same account. About two hours after the second wire, it became apparent that this was a fraudulent account. I notified XXXXXXXX XXXX XXXXXXXX who filed a report with Chase. I also filed a IC3 report with the FBI who also notified Chase that the transaction was fraudulent. We tried to speak with someone at Chase, but they would not speak to us. I have since worked with the XXXX XXXX on this issue and have learned that the two deposits remained in the Chase account for almost one month before the funds were withdrawn. Obviously Chase had able time and opportunity to freeze and return the funds after receiving notification from the FBI, XXXXXXXX XXXX XXXX. While I admit that I " fell for '' the scam, Chase had plenty of opportunity and I feel the responsibility to return the funds since the funds remained available for almost one month before they were withdrawn. XXXXXXXX XXXX XXXXXXXX have also done very little to correct the situation, only contacting Chase once. They have since told me to stop calling them. I feel Chase should return the funds.
Consumer complaint received 2023-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC. (FL)

I submitted this dispute on XX/XX/XXXX of 2022 with the Midland credit management and despite having a valid reason to remove this from my credit as minimal things like this have affected my life and chances of being able to do things needed to be done to move forward in my life at my age. I tried everything and the company refused to remove this from my report, so this was my last resort even though I did not want to take it this far and Im hopeful your organization will be able to get this settled so I can put an end to this constant worry and issue that shouldve been resolved a long time ago, I appreciate your kindness and helping this regard and please reach out if any more information is needed
Consumer complaint received 2023-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (FL)

I submitted this dispute on XX/XX/XXXX of 2022 with the XXXX XXXX XXXX  and despite having a valid reason to remove this from my credit as minimal things like this have affected my life and chances of being able to do things needed to be done to move forward in my life at my age. I tried everything and the company refused to remove this from my report, so this was my last resort even though I did not want to take it this far and Im hopeful your organization will be able to get this settled so I can put an end to this constant worry and issue that shouldve been resolved a long time ago, I appreciate your kindness and helping this regard and please reach out if any more information is needed
Consumer complaint received 2023-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (FL)

Ive had two student loan, but yes are on time but have been on my report well over 10 years and Ive tried multiple times with the company and credit disputing companies to have both of these loans removed completely from my credit as the 10 year mark legally they are not allowed to continue to keep this on a credit report and as my last resort, Im filing this complaint so both of these student loan can be removed from my credit completely
Consumer complaint received 2024-10-28
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. (NJ)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2023-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 9. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 10. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 11. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 13. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 14. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 15. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accuratXXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 16. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 18. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 19. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Consumer complaint received 2023-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

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 2023-11-19
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Hello, I applied for a Capital One creditcard back on XX/XX/2023 acct number XXXX and I was denied, but upon further investigastion Ive found a mistake. 
Regardless of the reason of my denial, I have a right to credit, and withholding my access to my securities is securities fraud. You are violating The Equals Credit Opportunity Act, and The Consumer Credit Protection Act.
Consumer complaint received 2023-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

TransUnion has been reporting inaccurate accounts on my consumer report XXXX XXXX XXXX ( I sent a letter in from the manager about this account isn't suppose to be on my report ). XXXX XXXX, XXXX, XXXX XXXX XXXX. TransUnion has admitted that they have received all of the documentation but has yet to remove these accounts from my consumer file. I have enclosed a copy of my FTC report as well
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to formally express my dissatisfaction with the multiple attempts made to correct the late opening of my accounts with your company. I believe that the repeated efforts have not yielded the desired results, and I am left with unresolved issues. 
I initially contacted your customer service department to address the tardiness in opening my accounts. Despite my efforts and the subsequent attempts made by your team, the issue persists, and it has caused significant inconvenience and frustration. 

Despite these multiple efforts, the matter remains unresolved, and I find it necessary to escalate this complaint formally. The late opening of my accounts has not only affected my ability to use the services promptly. 

I request a thorough investigation into this matter and a prompt resolution. Additionally, I would appreciate regular updates on the progress made towards rectifying the situation. 

If this issue is not resolved satisfactorily within the exact timeframe. I may have no choice but to explore alternative avenues to address this matter, including filing a complaint with relevant regulatory bodies. 

I believe in a fair and prompt resolution to this matter and trust that your company values its customers ' satisfaction. I am hopeful that this complaint will serve as a catalyst for addressing and rectifying the issues surrounding the late opening of my accounts. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NC)

Ive been using synchrony bank for a mattress firm account for almost 2 years. They do not take the payments owed to them within a reasonable amount of time. They wait 7-10 business days to pull debts owed to them from either an auto pay or paying through their automated payment system. This has cause my bank to decline payments causing me to be late. My original payment amount to them is XXXX a month. I pay XXXX to pay the debt faster. Due to their predatory payment processing policies its caused me to be late 3-4 times. The company did a random account review and has now decided to close my account. Ive called and spoke with their sr account manager XXXX. No one at this company can give me any answers or tell me anything other than Im still required to pay the debts owed the banks finance team can close any account at their discretion the finance team does not have a number for you to speak with anyone that made that decision all calls with the company are recorded.
Consumer complaint received 2023-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

This company has continued to violate my consumer rights by reporting inaccurate information to the credit bureau about and account that is not even mine nor have signed and documents with this company but they continue to harass me. Down below I have documents an proof for violations
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through XXXX mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection/charge off CHILDSUPPORT XXXX XX/XX/XXXX {$17000.00} XXXX XXXX XX/XX/XXXX {$8600.00} late payment XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to address the ongoing issue concerning inaccurate information within my credit file, specifically related to accounts associated with your company. This matter is of great concern to me, and despite my previous attempts to rectify it, the situation has not been resolved satisfactorily. 

I have sent a total of six previous letters to your company, all via certified mail. Please find the attached receipts for the certified mail with the following tracking numbers : XXXX XXXX XXXX XXXX  These receipts confirm the delivery of my requests for the removal of inaccurate information from my credit file. 

I would like to draw your attention to 15 U.S. Code 1681c2, which states that it is a crime to threaten a lawsuit with no intention of pursuing it. Rest assured, my intention is sincere, and I am prepared to take legal action if necessary.

Despite my previous efforts, your company has failed to conduct a proper investigation into the inaccuracies on my credit report, as required by the Fair Credit Reporting Act. My previous letters clearly outlined the reasons for my dispute, and these concerns are far from frivolous.

This final request serves as a last opportunity for your company to rectify this matter. I expect a thorough investigation into the accounts in question, and I request that you provide me with documented proof of this investigation. Failure to comply will leave me with no choice but to file a civil suit in my county for damages. 

I take the accuracy of my credit report seriously, and the lack of professionalism and assistance from your company has been deeply disappointing. I am well aware of my rights under the Fair Credit Reporting Act, and I am prepared to pursue them to the fullest extent of the law. 

I anticipate your prompt response and the resolution of this matter. If I do not receive a satisfactory reply within 30 days, I will have no choice but to pursue legal action.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NV)

I am writing to dispute the reappearance of XXXX collections on my credit report. On XX/XX/year> these collections were deleted from the credit bureaus ; however, a week later, they were reinserted without proper notification. 

Under the Fair Credit Reporting Act ( FCRA ) Section XXXX ( a ) ( XXXX ) ( B ), I should have been notified in writing within XXXX business days if a previously deleted item was reinserted. As I did not receive such notice, I am requesting an immediate investigation and removal of these collections from my credit report. 


XXXX XXXX XXXXXXXX Reported : XXXX XXXX, 2024 + {$7100.00} XXXX XXXX XXXX  Reported : XXXX XXXX, 2024 + {$11000.00}
Consumer complaint received 2023-11-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (WA)

* On the 7th of XXXX I took a check I recieved from XXXX XXXX XXXX ( retirement/ stocks dispersment ) for {$85000.00} to chase Bank to be deposited * At that time I opened a new checking and savings account CHASE CHECKING ACCT # XXXX *I was informed it could be 7-10 business days for the check to clear * On the XXXX of XXXX my account with chase showed available balance of {$85000.00} and went to bank and withdrew {$5000.00} from a teller because I did not yet have ATM card. 
*about a week later I went back to chase Bank to withdraw some more money from my account and told chase had closed my account and no further info and when I asked about my money told would have check sent to house in 10 business days.

* at this time and for about 3 more weeks account showed as still open on there telephone system.

* called many times in those 3 weeks always being told when account processing completed closing chk would be sent.

* went down to Bank branch and was told there they were still trying to verify funds on the check and couldn't send check for balance on account until then. Stated they couldn't find verifiable phone number for XXXX XXXX. and gave no further info * went back to bank branch told same info and tried to provide them with multiple numbers for XXXX trust from bank statement and official internet site for the business told those numbers didn't matter because not verified phone numbers in there system asked what can be done they must have something set up to handle this situation and they told me there is no policy for next steps for them to get a phone number and that I needed to have the owner of XXXX XXXX call from a verified number and verify my check. HOW A PERSON IS SUPOSSED TO MAKE THE OWNER OF SOME BIG COMPANY MAKE A PHONE CALL FOR THEM they didn't know but told me it's what I needed to do. TO ME THAT SEEMS PRETTY IMPOSSIBLE!! 
* SO to me I feel like they stolen my money when I talk to XXXX trust they say that the check shows as already cashed in there system * but chase claims it hasn't been cashed even though how did I have available balance of XXXX and withdraw XXXX if the check wasn't cashed. 
* and I know they are allowed to close an account at anytime but they should have to give a person there remaining balance and my account said balance was XXXX before they closed it * they refuse to give me a new check or even return the old check * also side note they had no problem cashing a check for {$74000.00} + from same company 1 year before no issue with verified phone number or anything I FEEL LIKE I AM IN A HELL LOOP AND GETTING NO WHERE I JUST NEED MY MONEY AND CHASE WONT HELP ME TO GET IT BACK FROM THEM
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXXXXXX XXXX informed me that they would in fact remove a 31 day late payment status as long as I disputed with each of the credit bureaus. They informed me they would do so in good faith. Now, since I have disputed at least 20 times total, they are going back on their promise, and are refusing to help me. I have gone to such lengths to write handwritten letters and reach out to their executive team members on XXXX. 
I received some poor blanketed statement back from them informing me they do not update any information and I am essentially XXXX. I do not accept that response. If XXXX wouldn't have led me on a wild goose chase for 5 months now, I would have given up. I expect XXXX to remove the negative mark as they said they would. They are definitely able to do so, but are being extremely difficult for no reason, when they are the ones that informed me, they would fix it. 

I want this issue fixed! It is beyond wrong to tell someone you would fix it and refuse to do so. They claim they sent me letters and emails- why do I not have any of these things? 

It seems like XXXX would want to assist a customer that has been with them for many years. Clearly, they do not care about their customers.