davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

I received a check from XXXX XXXX on XX/XX/2022 in the amount of {$1400.00} and deposited it into my checking account with Chase through Mobile Deposit on XX/XX/2022. Friday XX/XX/XXXX the funds from the mobile deposit were released to my account and no longer showed pending. Then Thursday XX/XX/XXXX all funds were shown to have been removed from my checking account and my account was completely closed. I called Chase customer Service twice, once on XX/XX/2022 then again XX/XX/2022 both times I was informed that the check could not be verified by the maker because no number for XXXX XXXX was in Chases Database. I then went into The XXXX TX Chase branch and spoke to someone and was informed the same information and was told to reach out to XXXX XXXX and get a phone number from them that Chase could call to verify the check. From there I went to XXXX XXXX in person and spoke to the cashiers office and was informed that the funds were released to Chase and then I was given the number to the head of the Cashiers office and the Vice President for obtaining verification. I again went up to Chase and informed an advisor of the issue and provided him with the number to XXXX XXXX XXXX XXXX and Cashiers office. I was then told that the phone numbers were not in the database and that they would not be able to call anyone to verify the check and the funds can not be released until Chase has verified the check with the maker. I then asked if verification could be made with XXXX since that is who XXXX XXXX banks with and was told that was not possible. From there I asked what I could do to obtain the {$1400.00} and was informed that the branch was going to submit a complaint to Chase and wait for a response. I was denied a copy of any of the transactions and was never given an alert to the account being put on hold or closed. There was no answer when I requested a timeline of when the situation would be resolved and was told there was no way to ensure me that it ever would be.
Consumer complaint received 2022-10-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (PA)

The collection company jumped on a debt that was in the process of being XXXX less than a month after it was acquired. 

The original company was entirely incompetent in getting me the account information. I was not able to get online due to cancelling my account and their " customer experts '' couldn't help me or send me account information after verifying that the account owner was on the line.
Consumer complaint received 2022-10-24
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. (CA)

In accordance to the Fair Credit reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX XXXXXXXX XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX  account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXXXXXX 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 2024-09-04
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (NC)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX PA XXXX Dear National Credit System : XXXX XXXX XXXX or XXXX Account Number or other information to identify account : National Credit System XXXX Naturally XXXX XXXX XXXX XXXX GA XXXX Source of dispute information : Forty-Nine North Apartments Type of disputed information : Rental Debt Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Before issuing a final determination in any dispute in which informal resolution has not been achieved, the Contracting Officer shall suggest that the other party consider the use of voluntary consensual methods of dispute resolution, such as mediation. The DOE dispute resolution specialist is available to provide assistance for such disputes, as are trained mediators of other federal agencies. ADR may be used at any stage of a dispute. 


Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY AZ XXXX CHILD SUPPORT Account Number : XXXX Delete this account. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (PA)

Discover Bank has on my credit file this credit card. 

I never applied for this card nor giving my personal information or requested no Discover Credit Card. 

Discover needs to provide proof of me applying for this card signatures and all charges made by me signatures XXXX I never made no charges on any discover card or applied.
Consumer complaint received 2022-10-24
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. (IL)

Just found, that I have a closed account on my credit report. This account was closed as soon as I realized. 

Account name : XXXX XXXX XXXX XXXX. 

I did not even use this account, it was pre-approval application without opening account, but account was opened, then I closed it directly with bank. 
Today I've tried to discuss this problem with XXXX XXXX, they said that on the next billing cycle they will not report this account. 

Four days ago I found that this account caused credit score drop for XXXX points, it's unfair. 

Remove this account from my credit report.
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: World Acceptance Corporation (TN)

I am submitting this complaint because this organization is reporting inaccurate unfair information on my consumer report. On XXXX I became aware that this company furnished an account on my consumer report that has never been verified. I also do not recognize this account and I was never notified by this company that they were attempting to collect a debt. I do not know were this debt came from and it may even be fraudulent. I never gave this company consent to have my private information. 15 USC 1692 Congressional findings and declaration of purpose states that there is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. My privacy has been violated because my information is being shared by 3rd party companies without my consent.
Consumer complaint received 2022-10-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BMO Bank, N.A. (FL)

Someone open a checking and savings account at BMO Harris Bank in my name. They mailed me a debit card obviosuly without authorization. Its basically impossible to reach anyone on the phone without getting disconncected or sitting on hold for hours. Its truly unbelievable. They are not responding to emails. There is no BMO branch closer than 3 hours away and they keep recommending I go to the closest branch. Not possible. I made a police report which I emailed to XXXX. No response. No one will give me a direct phone number. And now my identify is stolen and THEY opened the account in my name with no verification??? Its the worst customer service I have EVER received.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

" I reviewed my consumer report and informed your agency on XX/XX/year> about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Consumer complaint received 2024-07-27
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (WA)

Over the last XXXX weeks I have attempted to login to my Synchrony TJMaxx Credit Card account 4 times to make a payment. I knew my payment was due and was worried about getting a late fee. Each time I tried to login I received an error that stated " We Apologize. 
We are currently experiencing technical difficulties and are unable to access your account. Please try again later, or contact customer service for assistance. '' I attempted to call their customer service line and received an error that " Our system is undergoing maintenance, please try again later ''. I had this same issue in XXXX of XXXX and I had a hard time getting the late fee waived, but a supervisor finally did. Now they are refusing to refund my late fee because their policy is XXXX late fee waiver in XXXX months, even though the late fee this time was caused by their system 's own issues. 
On XX/XX/XXXX I was finally able to get into my account. I found that I was charged a {$38.00} late fee on XX/XX/XXXX, which surprisingly is the due date of my payment. I am not sure how they are getting away with charging a late fee on the date the payment is due, or how they are charging a {$38.00} late fee when the CFPB implemented a new rule to reduce late fees to {$8.00} on XX/XX/XXXX. 
Also, I took a screenshot of the error I kept getting today, because surprisingly I got the same error again after I made my payment.
Consumer complaint received 2018-09-11
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. (GA)

After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.
Consumer complaint received 2024-08-21
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. (FL)

I JUST CHECKED MY PROFILE AND MY SOCIAL WAS USED FOR INFORMATION THAT IS NOT MINE INQUIRIES AND ACCOUNTS THAT DO NOT BELONG TO ME PLEASE HELP ME REMOVE THESE INACCURATE ITEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-07
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Revco Management, LLC (PA)

This is more or less an update regarding my previous complaint. So I finally did receive a debt validation letter from Revco, Solutions debt collector. However, before I received the debt validation I actually did reach out to XXXX XXXX XXXXXXXX XXXX XXXX and explained the situation. Apparently, XXXX has agreed that I never received the original invoice and as a result has agreed to remove me out of collections. They failed to send it out. That's fair enough. I can forgive them as they were honest about it. The invoice is {$160.00}. I have agreed to work out a payment arrangement with XXXX XXXX XXXX. 
I'll have to wait until next Thursday because my debt is still with Revco Solutions. The hope is by next Thursday I'll be free from REVCO Solutions collection agency. I'm sure you can appreciate that these matters can cause extreme stress. I have a lot of my plate right now and it looks like in the future I will no longer be seeking anymore medical care because if this is any indication of what can happen, I would rather go without any specialist care. From now on I will only seek out the services of my Direct Primary Care physician. My primary care doctor I pay a monthly retainer membership so there is no surprise billing. This will of course limit the amount of care I receive, but to be honest and I mean this from the bottom of my heart -- I would rather die from some future illness or disease than to deal with medical collections. So therefore I will be canceling my future XXXX and XXXX XXXX. I can't rely on insurance based care. I'll still have medical insurance but I just won ; t use it anymore. 
On the Primary level I'll just have to focus on healthy eating, exercise, and the services from my Direct Primay Care Practice. 
I don't want to die from any illness, but I just lost all faith in the insurance based system. All it takes is one person to forget to send an invoice out and then I end up in collections. Not the way I want to go.
Consumer complaint received 2022-10-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kansas Counselors, Inc. (KS)

Please see attachments. XXXX  Counselors is violating my consumer and privacy rights, the FDCPA and the FCRA. XXXX Counselors has committed fraud by purchasing, obtaining, using and trafficking to third parties my nonpublic personal information to coerce payment from a debt i do not owe.
Consumer complaint received 2022-10-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2022-10-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Card Receivables Fund Incorporated (AZ)

I payed off a debt years ago and yet I continue to get harassing calls claimed that I owe a debt and that I'm going to go to court. The latest calls have been from XXXX XXXX XXXX According to the representative is ran by XXXX XXXX and XXXX XXXX. Not only am I getting calls but they are calling my work, my friends and family. I really need help in getting this to stop. It is adding tremendous stress to my life.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries
Consumer complaint received 2024-09-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (MI)

XXXX XXXX XXXX To Whom It May Concern : On XX/XX/XXXX, I scheduled a wire from my personal JP Morgan Chase Bank NA account to my XXXX XXXX XXXXXXXX XXXX account for {$140000.00}. The wire was necessary due to the behavior or JP Morgan Chase Bank NA employees against me and my business. 

The wire was not processed and I was instructed to call and verify. On XX/XX/XXXX, I called and verified the information not once, but twice. I also called my local branch and verified the information again. 

The wire was not released and my account was locked. I then went to the local branch and they refused to unlock the account or release the wire/funds. 

My money is now being held hostage.
Consumer complaint received 2022-10-24
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CLGF Holdco 1, LLC (WV)

I made a per XXXX with my XXXX Genesis credit card in XX/XX/2022 and was told I would have 0 % interest for 12 months. I had to pay a certain 20 % percentage down to qualify for the 0 % interest. My interest rate was incorrect and I paid interest in multiple payments. 

They randomly credited my account in full and rebilled as separate charges on different dates for different amounts and my monthly payment tripled. My original purchase amount was for {$3600.00}. I paid {$720.00} and put the remaining balance on the credit card of {$2800.00}. 

They since have credited and rebilled my card multiple times without my knowledge and my monthly payment has tripled. These are all udaap violations. 

I called and was hung up on when questioning my account and attempted to call back 4 more times and the call disconnected each time.
Consumer complaint received 2024-09-09
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: World Acceptance Corporation (TX)

I am a victim of identity theft. Upon review of my credit file I found the following inquiries that were not authorized by me and were made without my knowledge or approval. I request that the creditor remove these from my credit file. Inquiry dates are : XXXX XXXX XXXX and XX/XX/XXXX for XXXX XXXX; XX/XX/XXXX for XXXX  and XX/XX/XXXX for World Acceptance. I have attached a copy of the identity theft police report to this complaint.