davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-10
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: MARINER FINANCE, LLC (MS)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (MI)

Someone fraudulently used my account to purchase {$170.00} worth of goods on XX/XX/year>. Chase claims, " We partially denied the claim for {$170.00} as the merchant provided evidence of payment, and the name, billing address, email, and phone number all matched. '' However, someone illegally gained access to my XXXX XXXX account and used my billing information, but I have provided proof that the goods were shipped to an address that I have not lived at, nor do I have ANY association with. 

I did not realize I could upload proof, and did not do so on complaint XXXX
Consumer complaint received 2024-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NV)

I deposited XXXX separate checks via chase mobile app in XX/XX/year>. The total sum of checks were aprx XXXX. Chase Bank is unable to verify checks. Chase Representative state that phone number does not match the address to the maker. These checks were issued by XXXX XXXX XXXX XXXX XXXX These checks are valid and due to me. Chase Bank refused to return checks, instead it was kept, it reflects that I was paid in maker 's account, so there is no way to reissue new checks. Chase also abruptly closed the checking account. It's been 9 months and I have not received full payment. Only the initial aprx {$400.00} dollars was released when I made the deposit. I am a landlord that decided to rent out my property to a tenant, that receive XXXX XXXX XXXX XXXX and XXXX XXXX XXXX for rental assistance. The XXXX was supposed to cover rental payments from XX/XX/year> XXXX 2024. After XXXX I received monthly checks and deposited it in XXXX XXXXXXXX XXXX. Checks are actually XXXX XXXX XXXXXXXX checks and there is no issue with verification.
Consumer complaint received 2024-09-10
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: Synovus Bank (FL)

I believe there was wire fraud in my account and when I reported it to First Progress Bank they did nothing about it. When I received my card in the mail it seemed as if someone traced the number on the card with a pencil or something and I told them that but they still did nothing about it. I am not responsible for the charges that were fraudulent. They are holding me responsible for something I did not do.
Consumer complaint received 2024-09-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (TX)

Missing Funds in the amount of US {$200000.00} I initiated an international wire transfer on XX/XX/year> from my account with JP Morgan Chase. 

Amount : US {$200000.00} ( USD ) Amount to be received by recipient : XXXX ( INR ) Fees : XXXX ( INR ) Total to Recipient : XXXX ( INR ) Sender Name : XXXX XXXX Status as of XX/XX/year> : Missing Funds. All of it. 

I have asked, several times, chase bank and every time I receive same information stating wire transfer was completed on XXXX and the funds were transferred to the receiving bank on XXXX. 

As of XX/XX/XXXX, I'm not sure where my money is and nobody is able to answer with proof of where the money is. I've asked to provide me with a proof of the transfer that was done to the receiving bank by chase but no luck so far ( question has been dodge/ignored every time I asked ). 

It seems to me that Chase is holding the money and not providing any proof. Neither are releasing the funds. It appears Chase is playing games with me and using my money.
Consumer complaint received 2024-09-10
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Possible Financial Inc (OH)

I previously submitted a complaint against this company with XXXX XXXX XXXX XXXX and was assured that the necessary corrections would be made to my credit report by the company in response to the complaint. However, the company has gaslit me and ignored further requests after the request to annotate the matter as resolved was completed. This is extremely deceiving and has been time consuming on my end because I'm still fighting for this company to correct these issues and correct the incorrect information that was reported to my credit report that was caused at no blame to myself but the companies limitations for customer service, making a payment and their third-party business partners. I have attached previous correspondence stating that correction to my credit report would be made and this matter considered resolved and it is still not. I just would like them to correct this issue and some kind of oversight to ensure that the promises made are upheld not just for me to close my complaint and consider it resolved. Please help me. I am a military veteran with XXXX, and it is just so disheartening and really exacerbating my symptoms as I continue to be taken advantage of and lied to. I am a single mother doing all I can and businesses like Possible should be fined for the treatment of all the consumers listed on their complaint page, especially those who have honorably served our country and XXXX XXXX XXXX XXXX, so they are able to conduct business safely. Taking advantage is not okay and I should not have to submit another complaint because the other one was not completed. I just need someone, anyone, to help me with this company. Please. The loans in question are from XX/XX/year> - XX/XX/year>
Consumer complaint received 2024-09-10
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Moody, Jones & Ingino, P.A (FL)

I am a person with a XXXX, and I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ) to protect myself from harassment and discrimination from a company named XXXX XXXX XXXX XXXX and their attorneys Moody , Jones & Ingino , P.A. 
XXXX XXXX XXXX XXXX and their attorneys Moody , Jones & Ingino , P.A. hire people to follow me around and constantly call, mail etc. illegally trying to get information from me, a XXXX person, attorneys consistently have XXXX  me for the past eight years on a CLOSED collection case in XXXX XXXX XXXX and mail me letters threatening to garnish my wages for a car loan from ten years ago that they repossessed after I didnt make three payments on the car loan. XXXX XXXX XXXX XXXX and Moody , Jones & Ingino , P.A. law offices incorrectly and illegally claim I owe over {$17000.00}??? I feel so discriminated against. 
I submitted a Cease and Desist letter to the courts Under the FDCPA, all their attorneys are required to cease all communication with me regarding this expired debt including but not limited to mailing me harassing letters and phone calls. They Continue contact, particularly in the form of harassment, and it is a violation of federal law. I am reporting them to the Consumer Financial Protection Bureau ( CFPB ) and my states attorney generals office. 

Assertion of Rights Against Garnishment Additionally, I am aware of my rights under state and federal law that protect me against the garnishment of my wages, money, or other property, especially given my status as a XXXX individual. The garnishment of XXXX benefits is generally prohibited under the Social Security Act and other relevant legislation. 

Moreover, my financial situation, including my XXXX status, makes me eligible for an exemption from wage garnishment. I request that you immediately cease any attempts to garnish my wages or seize any property, as doing so would violate my legal rights.
Consumer complaint received 2024-09-10
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: LEXISNEXIS (AL)

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 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 2024-09-10
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: LEXISNEXIS (CA)

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 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 2024-09-10
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 : XXXX XXXX XXXX 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 2024-08-19
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. (TX)

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

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MN)

LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXLexisNexis.com CC 'D : Urgent CFPB Complaint Filed RE : INCOMPLETE, INACCURATE, UNVERIFIABLE PUBLIC RECORD! - DELETE! 

Dear LexisNexis, I have recently looked at a copy of my credit report and see that you are still providing inaccurate information about a couple of bankruptcies that were filed. It is my understanding that this information has to be reported correctly or else it has to be removed. I think you are aware of this fact as well, which is why I am confused as to why this information is still being reported by YOU to the credit bureaus. I have already spoken with the courthouses that these bankruptcies were filed in and I know that they did not provide you with this information as they explicitly stated that they don't report information to anyone. But I guess you use PACER to obtain your inaccurate information from public files. Well if you did your due diligence and obtained the correct information, you would see that the information that you are reporting in regards to these bankruptcies is extremely inaccurate. They were both DISMISSED and never DISCHARGED! My credit is being negatively impacted due to your neglectful reporting and I would appreciate it if you removed these bankruptcies from your system. It is not fair that you can simply snoop around and report only half-truths and cause so much distress. 

Bankruptcy XXXX XXXX XXXX The bankruptcy information in my credit file is a result of unauthorized use of my social security number and other personal details. These accounts do not relate to anything I authorized or participated in. The Federal Trade Commission ( FTC ) is currently investigating the matter. Additionally, the information on my report does not comply with Metro 2 credit reporting standards. I have evidence to support my case. Again, I did not consent to the sharing of my non-public information, and the reporting of these items is neither fair nor equitable to me as a consumer. The following legal provisions outline my rights as a consumer : 15 USC 1681 Section 602 A : Establishes my right to privacy. 15 USC 1681 Section 604 A Section 2 : Prohibits a consumer reporting agency from furnishing an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) : States that no consumer reporting agency may include any adverse information that is outdated. 15 U.S.C. 1681s-2 ( A ) ( 1 ) : Prohibits furnishing information known to be inaccurate. Again, I would like this information removed from your system ASAP and once it's removed, I would also like a copy of my report confirming its removal. I would also like you to report this removal to XXXX, XXXX, and XXXX since you have provided them with the negative information to begin with.
Consumer complaint received 2024-09-10
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: Credit Karma (PA)

Credit Karma refuses to delete my account that someone else has access to. I called them gave them my ID with my address passed the questions, and the still open the account back up under the email that was hacked which is XXXX XXXX XXXX refuses to respond at all. 
XXXX XXXX XXXXXXXX XXXX has an someone registered with an XXXX XXXX XXXX  with two numbers ending in XXXX, XXXX XXXX that does not belong to me. I sent them a letter in the beginning in the year asking for a report and they never sent it. And I just received a report in XXXX, and someone applied for a bank account on XX/XX/XXXX. Amongst other things they been applying for during the month of XXXX. 

Since XXXX of this year someone has been hacking all of my emails, and phone numbers. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX there are more as well as my social media accounts been stolen. XXXX XXXX account is still up in my name and someone deleted all my friends is using it. Several phone number has been compromised, and hacked. Infact all of my social medial accounts have been hacked. If I was to create a new one it will get hacked. Someone has went out of there way to make sure I am not XXXX XXXX and they're. 

I have been doing everything, this is interfered with my living. And my lifestyle. People have been sitting in front of my door logging into my wifi, to hack into my devices. I switched to a landline and someone is still on my phone. I need help. I believe someone has been in my home. I believe a device in on my car. People have been following my. My rights have been violated and I have not gotten any help. 
I also believe someone or people are working under my certification. 
I believe my Drivers License and Social Security Card is being used. 

Please assist me
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (VA)

My current auto insurance company has based my current auto rates on incorrect information that was provided by Lexis Nexis. On Friday, XXXX XX/XX/XXXX I was advised by XXXX XXXX company that my rates increased due tickets. One being a " reckless driving/speeding '' ticket from XXXX. This information is completely false/inaccurate. I have attempted to dispute this, and I have been unsuccessful. I was placed on hold for long periods and then ultimately disconnected.
Consumer complaint received 2024-09-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (AZ)

In XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I saw XXXX XXXX XXXX XXXX XXXX  who finally requested a XXXX which was performed by XXXX XXXX, XXXX. The results indicated XXXX, however, after seeing a XXXX XXXX he denied it and diagnosed the problem as XXXX XXXX XXXX. I contacted XXXX, my insurance company disputed the diagnosis and was told by XXXX to go to XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX would be covered by XXXX. I did so in XX/XX/2020 and this was the ONLY time I was at XXXX XXXX. I do not recall if they did XXXX  however, they did nothing for me and referred me to XXXX XXXXXXXX XXXX XXXX XXXX XXXX. I saw XXXX XXXX and he performed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I heard nothing from XXXX XXXX until almost a year and a half later when I received a bill for {$130.00}. I called their office and spoke to XXXX who informed me it would be written off as the insurance company would pay it. I ADAMANTLY DISPUTE this bill, which is almost two years after the one time I went to XXXX XXXX
Consumer complaint received 2024-09-10
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kimball, Tirey & St. John LLP (CA)

During the period of XXXXXXXX I rented an apartment at XXXX XXXX and, due to the financial impact of COVID-19, I fell behind on rent. In XXXX, the State of Californias " Housing is Key '' Rent Relief Program paid XXXXXXXX XXXX  {$29000.00}, which fully covered all past due rent. According to the program 's terms, all fees associated with this rental debt were to be waived by XXXXXXXX XXXX 

Despite the debt being resolved, a collection was placed on my credit report by Kimball , Tirey & St. John LLP for {$4600.00}. This amount is inaccurate and invalid, as the debt was paid in full through the rent relief program, and any remaining balance should have been waived. I am requesting the removal of this false collection from my credit report.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Bridgecrest Acceptance Corporation (AZ)

On or about XXXX, XXXX  I agreed to the try before you buy offer with XXXX. I picked a car, they dropped, and took mine. 

" To return or exchange your vehicle, you must let us know prior to XXXX XXXX  XXXX on the XXXX calendar day after receiving your vehicle. The day your vehicle is delivered, regardless of delivery time, will count as the first day of the XXXX period. '' And I did, XXXX days later after drop off. I contracted XXXX to return my car, and come get theirs. XXXX came to get their car, but did not return mine. They said they accidentally sold it, my car, during my 7 day trial period. 

They promised to make that right, but never did. Leaving me, without my car and stuck with a car I agreed to try, not buy pursuant to our agreement.