davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (AZ)

This scam happened to me on XX/XX/2019 at XXXX. A XXXX year old named XXXX XXXX post pictures frequently on his XXXX  story If you wan na make money s/u ( slide up, which means to message him ). Or hed post XXXX Method with cash in the background. He posted the same question a couple of times but only this time I slid up. I asked him how. He responded with a list that he needed which was : Social Security, bank card number, back of the card number, and all of my other personal information. I wasnt going to give that up. A couple days more, I slid up on his story again and I asked about if there was another way to make money. He asked me if I had Chase Bank, I responded yes. He wanted to use XXXX-which Ive never used before till then- I asked whats the XXXX method. He said its a method that doubles the amount of money you send and we needed to transfer phone numbers. So we did. Then he claims that he has a special code that needs to go in the memo section. He sent the long code. Then he said to send him a dollar. We were on the phone a couple of times through the process. XXXX even asked me how much I had on my account but he was saying to do it and trust him because he has insurance. He asked where I lived and where I work. He made me believe he was trying to get to know me ( because Im a XXXX  ). After a few minutes, I sent him a dollar. A couple minutes later {$16.00} ( bait ) transferred in my account. That was the bargain. That made me believe it actually works. After that, he said to send {$310.00}. I did. He said to wait for about an hour. He said he got the money, but i told him on my end it didnt go through. He said to wait longer. Then he said its bc the codes werent working. So he sent a different code. Then XXXX said send another XXXX so it would work. I agreed. After that I was scared because I didnt know if itd actually work. A few hours later he wasnt responding. I texted him that I didnt see anything in my account still. He tried to convince me again to send ANOTHER {$310.00}. I refused bc it was too much. So i asked if itd work with {$10.00}. He said yes. And after that. He didnt respond. The next day came and Im still thinking about my money. I spammed him asking where is my money and to send it back. I called him too. Eventually he blocked my number, XXXX, and even XXXX  ( except for my side accounts. ) I lost {$630.00} in total. I texted him. Ill send the screen shots. Later on, his name was searched online and he was charged 2 times for theft and XXXX. The same day, I called the number from the back of my bank card. To some it up, there was nothing they could do. A couple days later I walked in Chase Bank and told them my situation. There was nothing they could do about it. Under so much stress about MY HARD earned money, I balled my eyes out. I was so close to finally purchasing my own car. He caused emotional distress and it was hard focusing in school. Please help me get my money back.
Consumer complaint received 2022-10-29
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-07-31
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (PA)

Filed a complaint againt Chase mortgage company in the beginning of the year because I was having a problem with a short sale after the other owner passed away in XXXX. I have been trying to sell the property since XX/XX/XXXX. As if today, they are still giving me the run around.I was contacted by a employee from their executive office about this matter. She stated to me that I would not need a administrator or executor of his estate to sell the house because i was on the mortgage and note. I had a cash buyer and we were suppose to close by XX/XX/XXXX. Three days before this date, Chase decided that I was not on the title and would need someone for his estate to sell the property after they told me in a message and in documents that I didn't. I was contacted in XXXX by the executive office that I could sell the house myself, so why would they wait until it's time to close to come up with this. All Chase does is ask for the same documents a million times when they already know that they are going to hold on to the property as long as they can. It's been 1 year and 8 months trying to get this short sale done. This is why there are so many abandoned houses in the city of XXXX because when you try to do the right thing and sell the property instead of walking away from it banks like Chase give you the run around. Please do not get a loan for anything with this company. YOU WILL REGRET IT IN THE END.
Consumer complaint received 2018-07-31
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. (TX)

I have paid this account directly with XXXX. XXXX XXXX XXXX can't collect on a debt that I paid in full with XXXX. see attached, shows payment for {$66.00} to XXXX XXXX.
Consumer complaint received 2021-04-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (NY)

I was in an accident on or around XXXX of XXXX I was referred to pain doctor for rehab, I was XXXX diagnosed and told I needed XXXX, the XXXX was supposed to be covered my my car insurance, and the other persons car insurance and I had Medicade through the state I believe it was XXXX XXXX at that time. 1-2 years after the XXXX I start getting mail and phone calls that I owe this money, all of my bills should have been paid through insurance and lawyers claim. I am still being charged this amount for this medical bill, I have tried to get this resolved with the insurance companies and everyone is giving me a run around and pointing fingers with no hope to resolve. Please help me. I also later found out the place I was refers to go to for pin was shut down for fraud, for making false insurance claims and lying on injuries paitensts didnt have. It is under XXXX XXXX which is my old name my name name is XXXX XXXX
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-20
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: Experian Information Solutions Inc. (AL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-08-20
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: Experian Information Solutions Inc. (TX)

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.

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 XXXX  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 2024-08-20
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. (MI)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 2024-08-20
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 am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2021-04-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I have no knowledge of this account when I try to get information on it they refuse to give me any because my name is not the same, they keep calling me under that name, when Im at work and the speaker goes on when they call, I have tried to dispute it, I do t k ow where this account came from, Im not getting anywhere. This is really hurting me. I cant get an apartment Im stuck in the shelter system. I need some help some answers please
Consumer complaint received 2024-08-20
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: Experian Information Solutions Inc. (CA)

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to bring to your attention the presence of multiple inaccuracies and contradictions within my most recent credit report that I obtained on XX/XX/year>. In light of the massive security breaches regarding individuals ' Social Security numbers and the fact that in the last 10 days I have received two separate letters from two separate organizations notifying me that my personal information was stolen, I am concerned about the accuracy and integrity of my credit report.

Upon reviewing my credit report, I noticed several discrepancies, not only when cross-referenced with the two major other consumer reporting agencies, but also within the report itself. I have identified numerous violations, but instead of detailing each one for you, I am requesting that you perform your grave duties and due diligence and conduct a thorough investigation into these inaccuracies. If these inaccuracies can not be corrected to a point where they uniformly show the same information across all reporting agencies, they must be deemed frivolous and should be deleted. 

One specific example I will highlight for you is the account listed as " XXXX XXXX '' which is marked as " Potentially Negative '' with a reported 30-day late remark. However, this same account is listed as " Pays as agreed '' on all other consumer reports, with no negative remarks. This discrepancy is unacceptable and must be corrected. 

In addition to the XXXXXXXX XXXX account, I request that you review and correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX as previously mentioned ) I also demand that you investigate and correct or remove the following inaccurate inquiries : XXXX XXXX XXXX XXXX You have 14 days from the receipt of this letter to review and correct these inaccuracies or delete the information. Failure to do so will result in further action being taken to protect my rights as a consumer. 

Thank you for your immediate attention to this matter. I look forward to your prompt resolution of these issues.
Consumer complaint received 2024-08-20
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: Experian Information Solutions Inc. (IL)

Ive never done business with XXXX, Ive sent over in writing asking them to tell me how they verified the information with the credit agencies and I have heard nothing its been over 2 years since Ive asked them
Consumer complaint received 2021-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (OH)

I don't know how to go about getting this corrected so I was told to file a complaint if things on my credit were incorrect. My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX OH XXXX. My DOB XXXX XXXX SS # XXXX. 
I found an incorrect spelling of my name ( XXXX XXXX ) not name please delete it. I was looking further into my file I found addresses that I never lived at. Please delete the following unknown addresses : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2024-08-20
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: Experian Information Solutions Inc. (TX)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (VA)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX {$4100.00} XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX Balanced {$0.00}
Consumer complaint received 2024-08-19
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: Experian Information Solutions Inc. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with EXPERIAN XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-08-20
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. (NY)

This is related to the false payment reporting on my credit report for XX/XX/year> I have already called previously and spoken to a customer agent a year ago to have the reporting of this late payment changed to paid on time and was told it would be updated to on paid on time. I distinctly remember speaking to a customer service agent overseas about the fact that that payment was supposed to able set on auto pay and I was unaware the system glitched and didnt allow the autopay to upload. 

I called about the reporting of this late payment and was told by a customer service agent overseas that this would behuldate to paid on time. It is not my fault if XXXX decides to hire people overseas for pay cuts who might not completely what I am saying but that is not the consumers fault! You cant expect to hire people with XXXX as a second language and then allow to make mistakes like these. I was recently denied an apartment and am now homeless due to the false reporting of this late payment! I will sue XXXX  if this continues further. I either want this updated to pay on time as I have no other late payments or changed to no data for that month. But under no circumstances should you guys keep reporting this false information. There is absolutely no proof that this payment was deliberately paid late and it is the only one. This is completely ruining my life and causing major hardship. I should not be homeless while employed because my credit is getting demo. Update it asap or I will have to look into legal action.