davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NJ)

My sister passed away suddenly XX/XX/XXXX. In going through her belongings, I discovered an uncashed check ( {$6100.00} ). The check was issued by Chase bank in XXXX and is the balance of a closed bank account. I contacted Chase ; they indicated that they reported the funds to the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX ). I contacted the XXXX ; they did an extensive search and concluded : Chase never reported the funds as unclaimed. I contacted the New York State Attorney General 's Office ; they referred the matter to the New York State Department of Financial Services, which is currently investigating. The New York State Department of Financial Services also suggested that I contact the Consumer Financial Protection Bureau. 
If Chase indeed reported the funds to the XXXX, let them produce the documentation which supports their claims. My family will then present it to the XXXX, collect the funds, and the matter will be closed. 
Evidently, Chase has a nasty habit of not reporting unclaimed funds ; please hold them accountable.
Consumer complaint received 2023-07-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Americas Car-Mart, Inc. (TX)

I purchased a jeep wrangler thru Americas Car-mart and allowed a family friend to take over the payments. No paperwork was ever signed, she was not legally allowed to discuss the account or make any arrangements. They were legally required to call me for any past due payments or any payment arrangements. However its come to my attention its becoming a pending repossession they have not contact me about it or any payment arrangements that have been made. There has been changes to the account and I have been contacted at all. There was no paperwork entailing anyone but me to make any arrangements on the jeep wrangler. Now it is becoming a repossession on my credit and still havent heard from anyone about it. I was the general manager for the company. They are now following policy and procedure and letting someone sign for me to make arrangements on the account.
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: EQUIFAX, INC. (TN)

I have reached out to all 3 credit bureau and send off letter about this matter on my credit I am not pleasure on how this is being handle.

specifically 15 US code s1681 s-2 responsibilities of furnishers of information to the Consumer Report Agencies by certain creditor listed on my credit report.

According to Section 1681s-2 ( b ) furnishers of information to consumer reporting agencies such as creditor in questions, have a legal duty to provide accurate and complete information, however after careful review I have identified multiple and inaccuracies in the report of the following. 

US Dept. of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-24
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. (IN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-11-06
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. (MO)

i sent in debt validation on an account that was not honored and claims that i refused to comply ... they closed the account and still reporting the the credit agency this goes against my rights as a consumer..they are reporting without my permission i was not giving the option to opt out of of this there is no law to report my info to the credit agency or giving disclosure for my personal information to theses companies and XXXX transunion, XXXX all had security breach of personal information. I would like for this to be taken off my report or i will start seeking legal action. 

15 U.S. Code 6801 - Protection of nonpublic personal information U.S. Code ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
Consumer complaint received 2024-10-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (FL)

A fraudulent transaction took place, i filed a claim with my Bank chase and they ended up reversing it which led to my account being overdrawn in collections. My Employer improperly sent a direct deposit to this account and they refused to refund the money.
Consumer complaint received 2022-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (TX)

Discover has issued a chargeback on my credit card ending in XXXX and I dont even use this credit card due to recent low credit limit they offer me and wouldnt increase my limit and I open up a dispute on a charge for XXXX XXXXXXXX XXXX XXXX XXXX # XXXX For XXXX Discover cancel the dispute the same day on XXXX XXXX and issued a chargerback the same and unable to dispute it and told I need wait 10 days for a refund from the merchant I explain to the dispute rep I dont have there return address and I send the shirt back to corporate mailing address with FedEx tracking number and she must read my dispute comments saying that Im not a trump supporter and I didnt like this shirt at all because its has some Offensive images on it and the company send me the wrong shirt and all I wanted is a plain black shirt I feel like discover is disrespectful and discrimination because Im not a conservative guy They cancel the dispute without my consent
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 — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I set up forbearance with XXXX and was approved through XX/XX/2022 through XX/XX/2022 and set up an interest only payment plan that I have been paying and never missed a payment. This brought my account current and put those months in good standing ( I have paperwork from XXXX ). However, XXXX reported the month of XXXX as missed and it dropped my credit score tremendously. I've reached out to XXXX XXXX XXXX department ( in which you can only respond via mail and their customer support department has no clue on the response ) and tried to handle directly with the company and they sent the letter saying they wont change. Next step was me writing this complaint. If this doesn't work I will go to small claims court and sue them for pain and suffering, taking advantage of XXXX  ( person of XXXX from low income area ) customer right after XXXX lifted the Student loan payment pause. The negative information has caused me to get higher interest rates on my credit card and drop my credit utilization with my lenders. Please note that XXXX has updated the status and reported correctly with only XXXX. XXXX hasn't reported correctly on Experian and XXXX.
Consumer complaint received 2021-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-07-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I was contacted by my daughters camp on XX/XX/XXXX stating they never received my XXXX  payment. I checked XXXX and it said it was paid but not delivered. I called capital one and they said the money wasnt delivered and the same issue was with XXXX other payments as well- totaling XXXX dollars. They opened XXXX cases on XX/XX/XXXX which initially all got denied by the XXXX because they claimed the money was sent properly and all information was correct. I called right away and said they need to reopen the case because I had the money taken out of my account for XXXX transactions that were never successfully delivered. Since then I have spent hours on the phone trying to get this resolved but they keep telling me theyll escalate the case and adding more days to their investigation. I also spoke to XXXX and they said capital one has to resolve this issue because theyre the issuing bank
Consumer complaint received 2023-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (CO)

XX/XX/ some made a purchase for XXXX. I tried to activate my card they system would not let me. Called talk to customer service. They did nothing. And acted like they don't care
Consumer complaint received 2023-07-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (DE)

I received a phone call today ( XX/XX/23 ) from an employee from XXXX XXXX inquiring about the checking account application I had completed online yesterday. I advised him that I did not apply for any bank account yesterday and that I currently have zero bank accounts open at this time. My last checking account was with XXXX and that account has been closed for nearly one year due to inactivity. He then informed me that after further investigation of my name, that I have five open bank accounts. He named Chase, JP Morgan , XXXX XXXX XXXX, but I can not remember the other bank names. Ive begun the process of correcting these fraudulent moves in my name and adding extra protection where needed.
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. (CA)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE FRAUD ADDRESSES LISTED BELOW XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX FRAUDULENT INQUIRIE LISTED BELOW XXXX XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Credit Unions THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 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. 

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

XXXX credit bureau has violated the FCRA AND CONSUMER LAWS by never deleting inaccurate ; multiple wrong last active dates, wrong amounts, wrong status, wrong opening date wrong date of last payment, and EVEN UPDATED CHARGE OFF STATUS ACTIVELY EVERY MONTH! LAST ACTIVE DATES ARE GROSSLY INCORRECT AND EVEN ACCOUNT TYPE. 
I have corresponded and begged for 4 months and they continue to ignore all of the proof I have attached here. 
XXXX has continued to report these false items as true on my credit report instead of deleting these numerous accounts as the laws state. 
XXXX XXXX accounts Capital One accounts and XXXX XXXX  WHICH HAS BEEN PAID TO XXXX ON XX/XX/23 This continues to destroy my interest rates, ability to have a vehicle, or buy a house on my fixed income of SSI I need the credit to be correct and its only right to do so.
Consumer complaint received 2018-12-14
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. (GA)

XXXX/XXXX  ( Charge-off ) Transferred or Sold Opened XX/XX/2014 ( 4 yrs, 1 mo ) You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

I challenge the accuracy, compliance and reportability of this listing. The negative marks are inaccurate. There is no contract or valid claimI want this account removed immediately or litigation will follow. Please validate this information with and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
It is against the law to attempt to collect a debt twice ... 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.
Consumer complaint received 2022-07-16
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. (MD)

On XX/XX/2022, I sent a request to Equifax to investigate Account Name : XXXX XXXX XXXX Account Number : XXXX and Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX. Equifax responded on XX/XX/2022, and said that XXXX XXXX XXXX had been deleted from my credit file but I learned later that this was NOT ACCURATE after obtaining my consumer report. XXXX XXXX XXXX was still reporting on my consumer file so I requested a reinvestigation on XX/XX/2022. On XX/XX/2022, Equifax also reported that XXXX XXXX XXXX XXXX was not reporting on my consumer file but I later learned that was NOT ACCURATE after obtaining my consumer file. This account was still reporting on my consumer file so I requested a reinvestigation on XX/XX/2022. Equifax responded on XX/XX/2022, that they completed the reinvestigation and they verified XXXX XXXX. Who is XXXX XXXX?? I did not request an investigation for this account because it is not on my consumer file. How did they do a fair and accurate investigation if they verified an account that is not on my consumer file? Equifax also responded that XXXX XXXX XXXX was verified but how was it verified if they reported to the CFPB on XXXX XXXX XXXX, that this account was deleted. Equifax has violated my right to privacy in accordance with 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 an account without my written instructions. They also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ) : The law clearly states if items are found inaccurate or can not be verified the consumer reporting agency shall promptly delete the information from the consumer file. I demand that these inaccurate accounts be deleted.
Consumer complaint received 2023-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

This is in regards to my XXXX Capital One credit card. 

The XX/XX/XXXX statement balance for my account was {$11000.00}. This account is set up for automatic payment of the full amount on the XXXX of each month. The next payment is scheduled for XX/XX/XXXX. 

On XX/XX/XXXX I made a payment of {$10000.00} which should have reduced the statement balance to {$1300.00}. 

Yet - even though I already paid {$10000.00} toward this account- Capital One will still deduct the entire {$11000.00} from my checking account. 

The only way I can avoid this is to cancel the automatic payment for the month of XXXX. 

How is this practice ethical? If I paid {$10000.00} toward the balance of {$11000.00} shouldn't that payment be reflected at the time the automatic payment is due? 

This seems unethical to me.
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. (VA)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$19000.00} XXXX XXXXXXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00}
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

I am writing to formally file a complaint regarding inaccurate information on my credit report. On XX/XX/year>, I notified each credit bureau that as a federally protected consumer, I opted out of any and all authorizations, verbal, non-verbal or written and unwritten, per 15 USC 6802 in accordance with the Fair Credit Reporting Act ( FCRA ). 

Despite this notification, my credit report continues to reflect inaccurate information that should not be present. This situation is not only affecting my credit score but also my ability to secure credit and other financial opportunities. 

I request that the CFPB take appropriate action to ensure that all inaccurate information is investigated and removed from my credit report promptly. 

Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2022-12-07
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. (FL)

I am very upset with the fact that I submitted a complaint to the CFPB in regards to inaccurate reporting AND missing information in reference to Equifax and XXXX. These 2 bureaus all advised that my credit report is true and accurate. I submitted documents with MISSING and INCONSISTENT information within the account information profile. I also submitted documents with INACCURATE and INCONSISTENT payment reporting between these 2 bureau 's. This is violating federal law and I want these accounts reflected in the attached documents to be deleted due to the credit agencies listed above violating federal law and none of them rectifying this problem or I will seek litigation against them. I am very disappointed that a federal entity, such as the CFPB, would allow this type of inaccurate reporting from these companies stand. Furthermore, letting it stand when the complainant is in possession and also producing legitimate and tangible proof, such as a credit report with all of the reporting agency information listed. These credit reporting agencies are also under investigation under the United States Congress in reference to millions of consumers submitting disputes and them not being rectified as well as submitting complaints from the CFPB and nothing changing.
Consumer complaint received 2022-09-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CO)

Provided login to myequifax.com - worked when established. Working with Customer service has been a waste of time. I can NOT login anymore. Tried many variations, browsers, cookies and my XXXX. Noting works anymore.