davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I recently discovered that there were a 4 consecutive month of unknown and unauthorized transactions in my chase checking account. I reported to Chase and received a provisional credit, but finally denied of it. Their reasons were have missed a reporting window of 60days. Any suspicious transactions must be reported in 60 days or lose the money. Secondly, they said, the transaction has contained correct spelling of my name that they construe that I authorized (! ). This is a bizarre excuse from them. Of course, any fraudster would try to create a transaction as real/accurate as possible. Chase denied of issuing credits. I am not disappointed about Chase fraud protection practice that shift the burden on the customers. In fact, most of credit card companies have measures to recourse fraudulent transactions in effortless manner these days. Chase doesn't want to follow this procedure on my checking account.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WA)

XXXX XXXX has been incorrectly reporting to Equifax for several months now that I am not only over 120 days but that I owe them {$160.00}. This account was paid in FULL in XXXX of this year. They are stating that they submitted a manual update to Equifax on XX/XX/ but as of today Equifax is still reporting money owed. This has impacted me negatively XXXX XXXX refuses to correct the problem as they have already updated the information and have advised me that I need to correct the problem myself. Credit bureaus report information furnished to them as its furnished to them so if they are reporting false information thats because thats what they have. Also credit bureaus dont accept information from consumers but from creditors, collection agencies, etc. so my only option at this point is to wait for it to age off my report and be removed at that time. I thought by law information had to be correct.
Consumer complaint received 2024-10-18
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. (NJ)

A credit card reporting on my account as late, and open from XXXX  XXXX account # XXXX, For TransUnion XXXX  and XXXX dates XX/XX/year> to XX/XX/year>. I dont have a XXXX  XXXX XXXX, this is fraudulent. I filed a complaint with the FTC three weeks ago on the XXXX XXXX. This has been a major hindrance on my life. As theyre in violation Per 15 USC , 1681, accuracy and fairness. ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the reports. This violate 15 USC 1681S 2, 15 US code 1692E, 15 U.S. Code 1666b
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My account was never late! I have had exceptional payment history 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 to be 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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Update the late payments from my consumer reports
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I reviewed my Credit report and i found some inquiries which i dont recognize XXXX XX/XX/XXXX TransUnion XXXXXX/XX/XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TRANSUNION Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance : {$3800.00}
Consumer complaint received 2024-10-18
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. (OH)

On XX/XX/year> I sent a request to Trans Union, XXXX, and XXXX advising them that I wish to Opt-Out per 15 USC 6802b , 16 CFR 313.7a, 12 CFR 1016.7a ( 1 ) ( 2 ) on the accounts listed below and no one has responded to me as of today. 

XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  acct # XXXX
Consumer complaint received 2023-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2019-08-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (OH)

This company is cherging me {$300.00} for a XXXX phone bill i never had in XX/XX/XXXX. I have been using XXXX XXXX since XX/XX/XXXX and they are claiming i have an unpaid account from XX/XX/XXXX.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TransUnion LLC XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Reinvestigation of Inaccurate Inquiries Dear TransUnion, I am writing in response to your stall letter sent to me via email on XXXX regarding my dispute of inaccurate inquiries on my credit report. Also I reached out 30 days on XXXX and and a follow up on XXXX for a reinvestigation. However I did not authorize or recognize these inquiries. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute inaccurate information and to request a reinvestigation. 
I request that you conduct a thorough reinvestigation of the disputed inquiries within 30 days of this letter. Please ensure that you verify the legitimacy of these inquiries and provide me with the results of your investigation. 
Should you require any additional information to assist in this matter, please let me know at your earliest convenience. I appreciate your attention to this urgent matter and look forward to your prompt response. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-07-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Continental Services Group, Inc. d/b/a ConServe (AK)

Since 2022 I have attempted to dispute a debt with the XXXX XXXX XXXX XXXX XXXX XXXX ). My dispute claims have gone unanswered. XXXX has no sent me to a collection agency, XXXX XXXX XXXX XXXX. XXXX has also sent notice to the State of Alaska to have my PFD withheld. This is in all in addition to reporting this disputed debt on my personal credit reports. When I received a phone call from Conserve identifying they had received the account from XXXX as a debt for collection I informed them it was in open dispute with XXXX directly. I also asked for the address to send them a copy of the dispute as well as written dispute specifically regarding the collection activity. They refused stating they had already sent me a letter. I was driving my car and could not take their phone number down. The number was masked on my caller ID as well. I explained this and was still denied any assistance to be given contact information for later to send in my dispute on the debt. Additionally, XXXX has been nonresponsive to my dispute. I have finally reached out to the XXXX of XXXX directly for assistance. The origination of the issue is explained in the supporting attachments. XXXX has ignored my dispute, enabled by Conserve. They have continually upped the collection actives rather than answering the original complaint. Conserve has failed to acknowledge my dispute status or provide reasonable avenues to properly dispute the account.
Consumer complaint received 2024-09-06
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. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX Balance : {$640.00}
Consumer complaint received 2023-07-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. ()

On XXXX I have conducted the payment in the amount of XXXX USD from my company 's account with XXXX XXXX account of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX. JP Morgan Chase Bank was an intermediary bank in this chain. On XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  LIMITED under their internal policy refund the payment to intermediary bank in amount XXXX USD. On XXXX XXXX, 2022 XXXX was designated under the Executive Order 14024. Considering this, my payment must be blocked by intermediary bank according to US sanctions regulation. In order to unblock the payment, I need to apply for a specific license to XXXX. However, JP Morgan Chase Bank has not still blocked the payment or has not informed originating bank about freezing measures. Thus, I can not apply to XXXX for a license that is necessary to unblock my funds because to do so, I must fill in some data and specifically the date when the payment was blocked. Otherwise, XXXX may not locate the records of the blocked payment. On XXXX we tried to contact JP Morgan Chase Bank via XXXX from XXXX XXXX  asking them to clarify if the payment was blocked and reported to XXXX and when. Still, JP Morgan Chase Bank has not responded. Thus, I can not apply to XXXX for a license that is necessary to unblock my funds.
Consumer complaint received 2024-08-13
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: NEW YORK COMMUNITY BANCORP INC (FL)

We did a forbearance program with our original lender XXXX XXXX and then they sold our mortgage to flagstar. We have filled out 5 or 6 loss mitigation applications in the past 3 years and they wait until the information is 90 days old to tell us that we need to send in updated bank statements or pay stubbs. And we have to restart the whole process again. Just seems they are giving us the run around. Meanwhile the past due balance is growing and they will not let us make payments until we can pay the past due in full. We have hired an attorney to help but he is not so helpful. We don't understand why the lender didn't just add the money to the back end of the loan like promised when we started the forbearance plan during covid XXXX. Please help
Consumer complaint received 2024-08-27
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: EQUIFAX, INC. (NY)

All Inquiries I dont recognize in 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"
Consumer complaint received 2024-08-13
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. (NY)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

On XX/XX/XXXX I pulled my credit report from all ( 3 ) credit Bureaus and all three credit reports are reporting inaccurate personal information. All addresses being reported for the same year ( XXXX ) which has my credit score reflecting ( O ). Please correct immediately as I am currently a victim of Identity Theft & Fraud. Attached proof of addresses.
Consumer complaint received 2024-08-13
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. (FL)

Hello, My name is XXXX XXXX and I have placed a complaint regarding improper use of my credit report as follows : According to the Fair Credit Reporting Act 15 USC1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' 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. '' ( Furnisherof information to credit agencies ) is a financial institution by definitionunder that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. " According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to bring to your attention 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. As a victim of identity theft, I have reported the incident and urgently need this matter addressed, as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in swiftly removing all fraudulent information from my credit report and conducting a thorough investigation. I am ready to provide any necessary evidence and, if needed, take legal action to protect my rights and seek compensation. Your prompt attention to this urgent matter is greatly appreciated.
Consumer complaint received 2024-08-13
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (IL)

I'm receiving calls and texts of someone pretending to be Credence Resource Management, LLCC claiming they are collecting money for XXXX XXXX. They are using the number XXXX and other random numbers. The Credence numbers don't match their webpage, https : //credencerm.com/contact-us They have a pay and rights link that looks like the real Credence. https : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-06-12
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo representatives will call at least three to four times in one day if my payment is late. The calls will continue everyday until the account is current.Each time this has happened I ask that they stop calling or at least leave a message with the purpose of the call, but they do not. I would expect this kind of harassment from an unpaid debt, but not if I am a few days late making a payment.