davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-20
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: JPMORGAN CHASE & CO. (FL)

I am writing this complaint because I have reached out to JPMCB AUTO via certified mail XX/XX/XXXX about two late payments they are reporting inaccurately XX/XX/XXXX and XX/XX/XXXX, but I have not received a response on their end and its XX/XX/XXXX that is well over 30 days. In accordance with the FAIR CREDIT REPORTING ACT, JPMCB has violated my consumer rights. 

According to Federal law code 15 U.S Code 1666b states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This includes reporting such information to credit bureaus or other entities.

According to 15 U.S Code 1681 Section 604 2 states a consumer reporting agency can not furnish a account without my written consent.
Consumer complaint received 2024-01-24
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. (DE)

I sent a letter off on XX/XX/2023 to remove personal information that I don't want on my credit report. According to the fair credit act 15 USC 1681. I have a right to privacy. Also according to 15 USC 6802. No financial Institution is not suppose to share my information to third party people. These are clear violations of my federally protected consumer rights.
Consumer complaint received 2023-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BMO Bank, N.A. (NM)

On XX/XX/XXXX, I went to Bank of The West to deposit my {$500.00} 2021 NM rebate check into the ATM. I put my debit card in and started the deposit, after choosing my savings account to deposit the funds in, the ATM said the account was not linked to make deposits. The ATM then spit the check back out and gave me my debit card back. I then started the process over, this time choosing my checking account to deposit the funds in. At this point, the ATM tried reading the check and after about 5 minutes of processing, the machine shut down. I watched as it loaded back up slowly. Since it was a few minutes until closing time, I then went into the bank to ask for help since both my debit card and check were in the ATM. I went in and the first teller said theres nothing that can be done and my debit card and check would be shredded. The Senior Relationship Banker then went out to the ATM with me to see what was going on. He went back into the bank to call the ATM third party to see what to do. They said they could remotely reset the ATM and my check and debit card should come back out. After loading back up, the ATM did not return my card or the check. The Senior Relationship Banker, then gave me a buisness card with his number, since he was leaving for the day, and told me I should see the {$500.00} credit in my account the next day ( XX/XX/XXXX ), but if I didn't see the credit to give him a call. He said if it was an ATM error or any error on the banks part, I would be compensated right away. The next day, after not seeing the credit, I called him. He said the ATM technician should be out there that day and they could open the ATM and get the check. When the tech got there, they opened the machine but were not able to find my check. I was then instructed to go into the branch location to order a new card and see what they could do about the check. I went in, got a new card ordered and was told they would open an investigation about what happened with the check. Since that day, I have called multiple times, gone into the branch multiple times and called the XXXX  customer service multiple times. I have recieved 1 call back, after being promised I'd recieve calls back, and have been given no time length or information on the investigation, what the investigation entails or what will be done in the event that the check is not found.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX : XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Experian XXXX Information Center Dear Experian I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with 15 USC 1681i ( a ) ( 5 ) ( A ) : XXXX. XXXX  XXXX - account # XXXX Delete this account because you are inaccurately reporting : the date of the last activity, even This account was charged off on the following date [ XXXX ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the complete of your re-investigation. 

Regards, XXXX XXXX
Consumer complaint received 2023-07-20
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. (OK)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX  XXXX XXXX, OK XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$710.00} XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-21
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENOVA INTERNATIONAL, INC. (GA)

I have a debt on my credit report reporting as opened on XXXX XXXX and reporting a new balance on behalf NetCredit that was closed XX/XX/XXXX from XXXX XXXX XXXX. 
This debt is not owed, in fact this debt was closed because I sent Net Credit an FTC packet along with police report showing Identity theft in XXXX to XXXX to which I was told that this account would not be a problem again. I have not since opened an account with Net Credit, Certainly not in XX/XX/XXXX XXXX
Consumer complaint received 2023-07-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Wilber and Associates, P.C. (CA)

Company : Wilber & Associates PC, consumer phone # XXXX XXXX XXXX XXXX file number : XXXX Claim date : XXXX Claim Location : XXXX XXXX  XXXX access key : XXXX client claim number : XXXX WILBER indicated : we are handling this claim on XXXX XXXX XXXX XXXX XXXX Co which is seeking reimbursement @ amount {$2700.00} from incident which occurred on the claim date. Please send info contact XXXX I have no idea of what is this about? I have no business or any relation with XXXX XXXX XXXX nor did I have any incident ( reported / claim ) on the claim date ( XX/XX/2022 ) at location ( XXXX XXXX  ). 
This is suspected as ID Fraud maneuver originated from XXXX which somehow obtained my name and address ( only, no other info e.g. Tel # or detail information, provided by the involved companies. )
Consumer complaint received 2023-07-20
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. (CA)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct.

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT.

Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listed XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (KY)

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX sent in disputes letters and file on cfpb and I have not had a response by mail from XXXX, EQUIFAX nor XXXX. I don't understand what's been going on with my claim but I want a response please by mail. Each account needs to be deleted due to the fact that I have not heard anything about the initial disputed items from the report.
Consumer complaint received 2023-07-20
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. (NC)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-30
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: EQUIFAX, INC. (NY)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the ori

ginal creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CO)

XX/XX/XXXX : {$1000.00} was withdrawn from my checking account through XXXX. I do not use XXXX and didnt even have it installed on my phone. On the XXXX {$2000.00} more was taken, and on the XXXX, {$2000.00} more. 
I hadnt noticed these charges until the XXXX, because Chase did not flag the transactions. XX/XX/XXXX : Another {$2000.00} was taken through XXXX. I opened a case through Chases fraud department, and they began looking into it, and they froze my account. 
XX/XX/XXXX : I went to a local Chase branch and explained what had happened. They claimed they would give me a new account to ensure its security, but only gave me a new username and password, claiming that would be enough. They then unfroze my account. They also were very assuring, saying I would get my money back in full. They credited back {$5000.00}, but were looking into the other {$3000.00}, not having any solid answers. 
XX/XX/XXXX : An additional {$1000.00} was taken through XXXX. I then went to a different Chase branch, and explained what had happened thus far. They gave me an actual new account and routing number. The worker there called their fraud department, talked to them about the additional money taken, as well as the {$3000.00} I was still missing, and again, they assured me I would hear something soon and that I would get my money back. 
XX/XX/XXXX : Still having not seen any refund, I opened a checking account at a different bank and moved all remaining money in my account to this new account, as I feared how secure my money was with Chase. The amount of money moved was approximately {$10000.00}, and included the {$5000.00} that had been credited back by Chase. Chase then contacted me via their app, stating that they would not refund my stolen money, and that they were taking back all credited funds. I went to the same branch, and sat down with the Vice President, who believed me and said she would do everything to help. She contacted the fraud department, took a detailed record of the events down, and said she would escalate the case to a higher authority than herself. She instructed me to wait to hear from her, which I did for about a week before going back in, trying to see if there had been any updates. She told me they had closed the cases, and there was nothing further she could do. Chase then withdrew the {$5000.00} from my account, which only had about {$500.00} dollars in it, putting me in the negatives. The branch has said they cant do anything, and their fraud department refuses to look into it because the cases are closed. I never heard anything about the additional {$3000.00} taken either, they ignored that detail throughout this process.
Consumer complaint received 2023-07-20
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: Experian Information Solutions Inc. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE Inquiries Below are the names of people and/or organizations who have obtained a copy of your Credit Report. Inquiries such as these can remain on your credit file for up to two years. 
Creditor Name Type of Business Date of inquiry Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-10-24
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: EQUIFAX, INC. (OH)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax is XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX : Follow-Up on Dispute and Request for Verification PLEASE REMOVE ACCOUNTS OFF CREDIT REPORTS XXXX XXXX Account Number : XXXX Date of late payment : XX/XX/XXXX Account opened XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Last XXXX digit card XXXX Account XXXX, XX/XX/XXXX Account XXXX, XX/XX/XXXX To Whom It May Concern, I am following up on a previous dispute regarding inaccurate accounts reporting on my credit report, which your bureau maintains. On insert date you mailed the first letter I sent a letter requesting verification of these accounts. On date of letter they sent you, I received a response from your office stating that the accounts were verified. 

Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 2 ) ( C ), I am formally requesting a description of the method your bureau used to verify the information related to my dispute. This includes details about the procedures followed and any relevant documents or evidence that were relied upon in reaching your conclusion.

Per FCRA Section 611 ( a ) ( 2 ) ( C ), you are also required to forward all relevant information used during your investigation to the furnishers of the disputed information to ensure a proper review.

Please provide this information within 15 days, as required by the FCRA. If you can not provide this documentation within the required time, I respectfully request that the negative items be deleted from my credit report.

Attached, you will find copies of all documents included in my original dispute. Thank you for your immediate attention to this matter. 

Best regards, XXXX XXXX
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

the 3 Bureaus haven't responded to any of my Complaints and a friend of mine told me they have to respond within 30 days and I still don't have any results of they investigation