davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-08
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: ERC (PA)

Agency did not provide me the consumer the following information.

The Following information is required. Please fill out the form below in its entirety.

1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? ____ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful :
Consumer complaint received 2023-01-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau Systems, Inc., Paducah, KY Branch (IN)

This company is reporting medical debt in the amount of {$60.00}, {$140.00} and {$350.00} to the credit bureaus. First, why do I have XXXX bills, why are they different than I was quoted and law says that they cant report if its under {$500.00}. I did go to XXXX XXXX XXXX XXXX XXXX XXXX and I paid my copay. I pay XXXX XXXX month for insurance and  insurance paid them to my knowledge. This was around 12 months ago.. that was plenty of time to notify me. 

Never in my life has something just been reported to credit without notification. As these are the only XXXX bills on my credit that are negative, thats a negative then I pay my bills. Im happy to pay what I owe, but this company just destroyed my XXXX credit without notification and none of it is legal.
Consumer complaint received 2023-01-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (WA)

In a letter dated XX/XX/2022 Chase informed me that they had restricted my checking account due to the possibility of a fraudulent check having been deposited ( case # XXXX ). I spoke to the branch XXXX and she just kept saying her hands were tied. She suggested I call customer service. Customer service just kept repeating that it was under review. The problem was that an elderly lady had forgotten that she had written me this check and had turned it in as fraudulent to her bank. She then remembered she wrote the check and notified her bank who said that they would take care of it. Somehow it was still reported to Chase and my entire checking account has been unavailable to me since that time. The check was written from XXXX Bank who says they have notified Chase that this was a mistake but no action has been taken. I have a letter from XXXX that certifies that the fraud case that was opened has been closed and deemed not fraudulent. I sent a copy of this letter to ChasXXXX on the XXXX of XXXX. I still have not gotten any response nor have my funds been unrestricted. Hopefully, the XXXX XXXX can get them moving on this issue. Thank you for your help.
Consumer complaint received 2023-01-10
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. (TN)

Under these laws these accounts should be removed 15 U.S.C. 1681 ] ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports. Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Us Department of Education XXXX XXXX
Consumer complaint received 2023-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE (CA)

In XX/XX/2022, I called Barclays Bank to cancel my credit card account. They advised me the credit card account was 90 days past due. On XX/XX/2022, late fees were reversed and I paid the account in full. I requested the account to be closed. In 2022, Barclays Bank failed to send statements due to XXXX XXXX. The Barclays Bank credit card was set up for automatic payment of full balance due if the amount for the ebill was {$1000.00} or less via XXXX XXXXXXXX XXXX XXXX Online Banking. XXXX XXXX XXXX  issued a letter dated XX/XX/2022 stating that my Barclays Bank credit card was enrolled in ebills. XXXX XXXX bank did not receive any ebills from Barclays bank in the year 2022. This information was submitted to Barclays Bank as proof that no bill was sent to me. In a letter dated XX/XX/2022 Barclays bank received the dispute and believed that their information was accurate and refused to correct my credit report.
Consumer complaint received 2023-01-10
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 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

According to the Fair Credit Reporting Act, I have a right to dispute inaccurate report. I am contacting you to dispute the reporting of XXXX XXXX XXXX. The account reporting is identified as an installment loan which is factually incorrect. The true account type for this account is a Credit Sale Agreement '. I have the right to an accurate credit file and discrepancies like this are unacceptable. 
The account reporting is identified as a repossession, yet they continue to report late payments. Since the vehicle is no longer in my possession, it would be impossible for me to default on payments after the fact. I have the right to an accurate credit file and discrepancies like this are unacceptable. A monthly payment should not exist after a repossession has occurred. 
I have sent three Debt Validation Letters, two of which were a USPS certified Debt Validation Letters, to the company with no response back from XXXX XXXX XXXX. 
Please investigate this matter and have them delete the disputed item ( s ) IMMEDIATELY.
Consumer complaint received 2024-10-31
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. (IL)

I am writing to request the immediate blocking and deletion of specific accounts and inquiries on my credit file, as I am a victim of identity theft. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information removed from my credit report to ensure its accuracy. 
Please remove the following accounts from my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-02-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (MN)

I was overdrawn on my checking account and I deposited funds to cover yet still they will they will not release those funds even though I verified through the bank and the website that funds were cleared. They have no reason to hold this check. It is a corporate check. They are simply taking my money for themselves at this point and gaining interest on it as banks will do, procedure is all they can tell me. I have no income right now and that check would have made a huge difference in my life but Wells Fargo chose to ignore this fact. For purposes of my recon : check # XXXX has cleared through XXXX XXXX. XXXX also shows that the check has cleared and been paid. Somehow, Wells Fargo in this digital age has no clue. I find this hard to believe. My personal thought is they want to keep those funds, even if only for the 10 days they say is mandatory. Given their # of customers, it would add up to millions of money they are holding for themselves that they they should not be.
Consumer complaint received 2020-05-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (VA)

Citi bank is a most of 4 big banks in USA, But I didnt think that they have such a bad chat, long phone wait time and the worst part is online banking - access limit to everything for checking account customers. To dispute the transaction, I need to print a paper form and fill out a pen, then scan and send them. This is a very old form method. My problem is that after I sent them a form to dispute the amount of {$400.00}, I did not notice anything. In the chat they say call dispute team, but there the waiting time is long. 
Is it impossible to simply operate your online banking for access for all needs?
Consumer complaint received 2022-12-31
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (OH)

In XX/XX/2022, I somehow forgot to submit my Mortgage payment to Chase. I have not missed a payment on any bill in over 15 years. On XX/XX/XXXX, I received a notice from XXXX XXXX XXXX that a late payment was reported to my account. This notice from XXXX was the only communication I received about this XXXX payment. The moment I received it, I made the payment and contacted Chase about them reporting this late payment to the XXXX. I was told they would do nothing about it, however, I also work for a large bank. I am well aware that based on the FCRA, Chase needs to communicate with me that I have a missing payment, before reporting it to the Credit Bureaus. I have supplied Chase my phone number, address, email address, XXXX, and any other means necessary to contact me. I have their app, which include secure messaging. During no time between my missed XX/XX/XXXX payment and XX/XX/XXXX when I got the notice from XXXX, did Chase attempt to contact me to notify me that I missed a payment. Had they put in some effort to work with me, I would have made the payment the moment I knew it was not submitted. I make my payments online each month, and can only think that I forgot the final submit step when I went to pay XXXX payment. The payment was made the minute I found out about it. I requested to have this removed from my credit report, and they told me no. This is not valid credit reporting, as there is a violation of my fair credit reporting rights due to a lack of effort on Chase to collect this debt before reporting it as delinquent. I would like this removed from my credit report, for all XXXX reporting agencies. I care about my credit, I just wish my bank would too.
Consumer complaint received 2022-12-31
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-12-31
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. (KS)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-31
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. states : I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 states : A consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-12-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (FL)

Coinbase has not responded to any inquires about my account and has essentially stolen the money in it. I hadn't used my account in about 4 years and no longer had access to my email used to create it but I did have the same phone number. I also had legally changed my name in that time. I submitted all documentation to Coinbase regarding my old name, new name, and inability to access my old email and they have never responded. After I called they said I would receive an email to unlock my account within 24 hours but again they sent it to my old email that I can't access. They are stone walling me so they can keep my money on their exchange padding their numbers, since they're worried once I get access to it I'll pull it out. I didn't know who to contact but read online if the company won't help the CFPB will. I just want my account unlocked and access to my funds. I recently received an email on my new address saying that there was suspected fraud as someone tried to transfer out nearly XXXX dollars worth of bitcoin. I contacted them again after this and was given the same " will send an email within 24 hours ''. It's absolutely ridiculous. And since I did get a fraud alert email to the updated one, it means they do have it they just choose not to use it for anything that could lead to me regaining access to my account.
Consumer complaint received 2019-02-16
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. (NC)

XXXX XXXX and XXXX is claiming ownership of a student loan debt that they are reluctant to prove that they own the debt and that I owe the debt. 

I have requested from XXXX XXXX " current owner '' stated on monthly statements original documents from the original creditor that were executed and authorized by me. XXXX " the servicer '' has failed to furnish me the original documents that they are required to have on file under the FCRA and FDCPA. In addition, I requested a copy of the contract agreement that gave authorization for XXXX XXXX to be the current owner without proof. 

I demand to know who legally owns this debt.
Consumer complaint received 2022-12-31
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: EQUIFAX, INC. (MS)

In XXXX XXXX I lost my job, and Bridgecrest XXXX my car. I tried my best to have the car reinstated, but I was unsuccessful. This repossession on my credit report killed my scores tremendously and I was unsuccessful obtaining credit anywhere. In XXXX and XXXX, I started working hard to catch up on debt, and reestablish myself so that I may become credit worthy again. I reached out to XXXX multiple times to try to find out what happened to the car because I did not receive anything from them explaining to me what was going to/what happened to the car They not only denied me access of buying back the car, they also never gave me the chance to reinstate the car. In XXXX of XXXX, I pulled my credit report and saw that the car was still listed as open, and in repossession. And Every month it reported as being late. I disputed the account with XXXX and the credit bureaus and according to them the account is reporting correctly. But how is this so when the account is reporting different data to each furnisher? How is this so when the car was repossessed over 5 years ago? Was it sold, Shouldnt it be listed as a charge off? And if its a charge off, should it be listing late payments? When did the late occur? And why is the balance still the same, was the car not sold? Who was it sold to? Is the account charged off? If so, why is my credit reports stating different? Every month the credit bureaus are allowing this company, XXXX to report inaccurate, incomplete, unverifiable information. The open date is inaccurate, the close date is inaccurate, the status is inaccurate, the payment history is inaccurate the balance is incorrect, the date of last payment is incorrect and the date of last activity is inaccurate and each of these categories is reporting different data to each data furnisher month after month after month. For many years. This company is updating incomplete, unverifiable, and incorrect information every month. I have disputed these unverifiable inaccuracies in writing, on line, and by phone with XXXX, XXXX, Equifax, and the company ; but yet these data furnishes still allow this company to destroy my credit worthiness by intentionally reporting incomplete, unverified, and inaccurate information every month for XXXX. This company is intentionally destroying my credit worthiness by intentionally violating the FCRA requirements by intentionally reporting incomplete, inaccurate, and unverifiable information. 

PLEASE HELP BECAUSE I HAVE SUBMITTED MANY DISPUTES BUT THE COMPANY AND THE CREDIT BUREAUS CONTINUE TO '' UPDATE '' THE ACCOUNT WITH INACCURATE, UNVERIFIABLE INFORMATION ALTHOUGH THEY CLAIM TO HAVE INVESTIGATED.
Consumer complaint received 2022-12-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO. (FL)

I am a long time customer JP Morgan Chase with multiple accounts. I recently opened a new Chase Total Checking account. This account has a XXXX XXXX monthly fee that can be waived if any of the following criteria is met. Below is the verbiage on Chases website : XXXX XXXX monthly service fee OR {$0.00} with one of the following each monthly statement period : Electronic deposits made into this account totaling {$500.00} or more, such as payments from payroll providers or government benefit providers, by using ( i ) the ACH network, ( ii ) the Real Time Payment network, or ( iii ) third party services that facilitate payments to your debit card using the Visa or XXXX XXXX OR a balance at the beginning of each day of {$1500.00} or more in this account OR an average beginning day balance of {$5000.00} or more in any combination of this account and linked qualifying deposits XXXX ( Opens Overlay ) /investments XXXX The criteria I intended to use to waive the fee were monthly deposits made via XXXX which would far exceed the XXXX XXXX monthly requirement. I decided to confirm after opening the account and was told XXXX didnt not meet the criteria of the ( ii ) XXXX XXXX XXXX XXXX XXXX I pressed Chase representatives to identify what option I can use to satisfy payment via this network and discovered that either the representatives werent aware or this option didnt exist in the way the average consumer would understand it. I was told that to satisfy this condition I would have to have a direct deposit via payroll or from a government entity. While these conditions would be fine if that was stated in Chase language they are not, rather just given as examples in the first line. 

Chases explanation is either intentionally vague and therefore will lead to monthly charges or includes a condition ( ii ) XXXX XXXX XXXX XXXX that they knowingly or unknowingly choose to include but can not provide options to meet for a typical consumer.