davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-22
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: JPMORGAN CHASE & CO. (FL)

i never requested to get my credit inquiry for inquiries mentioned below : A FEW OF THEM ARE 6 TIMES OR REPEATED AFTER XXXX MONTHS. PLEASE REMOVE THIS - THIS WAS NEVER APPROVED OF ME TO GET INQUIRED. 

XXXX XXXX XXXX  Inquiry : XXXX XXXX, 2023 Finance/Personal ( XXXX ) XXXX -- XXXX XXXX Inquiry : XXXX XXXX, 2023 Bank ( XXXX ) XXXX -- XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 Finance/Personal ( XXXX ) XXXX -- XXXX XXXX Inquiry : XXXX XXXX, 2023 Automotive ( XXXX ) XXXX -- - XXXX XXXXXXXX Inquiry : XXXX XXXX, 2023 Bank ( XXXX ) XXXX -XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2023 Bank ( XXXX ) XXXX -- XXXX XXXX XXXX XXXX : XX/XX/2023 Automotive ( XXXX ) XXXX -- XXXX XXXX XXXX XXXX Inquiry : XX/XX/2023 Finance/Personal ( XXXX ) XXXX -- XXXX XXXX XXXX XXXX  Inquiry : XX/XX/2023 Finance/Personal ( XXXX ) XXXX -- XXXX XXXX XXXX XXXX : XX/XX/2023 XXXX XXXX XXXX ) XXXX -- XXXX XXXX XXXX XXXX : XX/XX/2023 Finance/Personal ( XXXX ) XXXX -- XXXX  XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2023 Finance/Personal ( XXXX ) XXXX -- XXXX XXXXXXXX XXXX XXXX  Inquiry : XXXX. XXXX, 2023 Finance/Personal ( XXXX ) XXXX -- XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 Finance/Personal ( XXXX ) XXXX -- XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 Finance/Personal ( XXXX ) XXXX -- XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX ) XXXX -- XXXX XXXX Inquiry : XXXX XXXX, 2023 Bank ( XXXX ) XXXX -- XXXX XXXX XXXX  XXXX : XXXX XXXX, 2023 Bank ( XXXX ) XXXX -- XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 Finance/Personal ( XXXX ) XXXX -- XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 Automotive XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-03
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX we mailed a {$2600.00} check to our landlord, for XXXX rent, as we did every month for the past 6 years. 
on XX/XX/XXXX, we were notified by the landlord, that they never received our rent check for this month. 
But when we checked our bank account, we found out that this check was cashed already on XX/XX/XXXX. 
On the same day, we reached out to our bank ( Chase ) to report on a stolen check, and we were advised to come to the bank in person and fill out a : Declaration of Unauthorized Endorsement or Altered Item. And this is what we did on XX/XX/XXXX, and have records of all these steps. 
Since then, we kept calling our bank to follow up on our report, and have been told, that this issue is under investigation and will take time. 
3 months ago, the representative told us that they found out that the check was cashed in the XXXX XXXXXXXX XXXX, and this is their responsibility to pay us back. They told us that they reached out to the XXXX XXXXXXXX XXXX, and we should give them 90 days to respond. 
We called chase on XX/XX/XXXX to follow up, and have been told that they already sent to reminders to the XXXX XXXX  XXXX, and they never responded to them. Therefore, they will have to close our case, and our money will not be recovered.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion failed to provide accurate information to the FTC and CFPB regarding an eviction that was reported on my credit report. Section 607 ( b ) of the Fair Credit Reporting Act requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of consumer report information concerning the person in question. Reasonable procedures to assure maximum possible accuracy isnt a wish, a hope, or a lofty aspiration. Its the law. 

Failed to take steps to produce accurate reports : The company violated the Fair Credit Reporting Act by failing in numerous instances to take steps to assure the maximum possible accuracy of eviction records in its rental background check reports. For example, the company failed to assure that its reports reflected the current status of public records. This included failing to share information showing that an eviction was dismissed and not preventing the inclusion of sealed records or multiple entries about the same eviction case. As eviction data is often weighed heavily in assessing rental risk, inclusion of inaccurate and duplicative eviction information is particularly harmful to renters and their families. 
Failed to identify who provided inaccurate information : When the company obtained criminal and eviction records from third-party vendors, it failed to identify the third-party vendors in its disclosures to consumers. Instead, the company told people that criminal and eviction records were taken only from the jurisdictions where the proceedings took place. People trying to find a place to live did not know it was a third-party vendor that they needed to contact to correct inaccurate information.
Consumer complaint received 2018-11-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Weltman, Weinberg & Reis Co., L.P.A. (OH)

In XX/XX/2018 I received a letter that Weltman Weinberg & Reis had a Discover card debt and said notify them with in 30 days which I did. I went online and filled on the inquiry form and payment plan form. I never heard anything back. Then around XX/XX/XXXX th I get a summons from court. However all that was sent was a statement from discover card. There wasnt any questions or anything. I still filed a response and showed where I was trying to set a payment plan up of XXXX every month. I also sent a letter and this copy to both Discover card ( Adress listed on summons ) as well as XXXX city for weltman. I still have not heard anything back to try to come to an agreement outside of court. Also when I try to log in on their website now they have me Blocked. I have already told them I need to have communication in writing and not verbal because I want it documented. I am trying to work with this company however they will not respond. I do not want to go to court I would like to work this out.
Consumer complaint received 2023-11-22
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

I had several fraud claims against my account and was told these claims were to be investigated.. However, with Chase 's fraud operation team they talked to me about it so kindly and told me they take these claims very seriously and I actually believed in them. That however, is not the case. They said they will call me back in regards about my disputes/fraud claim with the merchant " XXXX XXXX XXXX '' but they never did.. Also, today as of XX/XX/23 they have closed my business/personal credit accounts saying it was closed due to " fraud '' with no legitimate reason or a call for a notice.. This fiduciary irresponsibility needs to be further investigated by the CFPB because this is unacceptable. I never wanted my cards closed, or wanted my cards to be stolen so someone had used my credit card information for fraud. I believe Chase is not a credible company with no integrity or honesty.
Consumer complaint received 2023-11-22
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. (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 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 2022-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), can you reinvestigate the completeness and accuracy of the list of accounts below : 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
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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. 

has violated my rights. Or a 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 2023-11-17
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. (WI)

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 XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX XXXXXXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a 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 2018-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

Hello, On XX/XX/2018, I received a text message from Chase Card Services concerning a charge to my account for {$6400.00} at XXXX XXXX XXXX. I responded that this was not my charge, and then Chase called me. During the phone call, I informed Chase that I was disputing the charge because I had not made it. Chase informed me that they would investigate and they would issue me a new card. 

On XX/XX/2018, Chase informed me that they were assigning me responsibility for the purchase because the item purchased was shipped to my home address. I informed Chase that I was still disputing the charge, as I had not made the purchase and I had not received the item. 

I spoke with XXXX XXXX XXXX and they informed me that the item was ordered via phone on XX/XX/2018 at XXXX XXXX and that it was shipped via XXXX. I spoke with XXXX who informed me that XXXX picked up the order from XXXX XXXX XXXX on XX/XX/2018 around XXXX XXXX - meaning that the item was sent out nearly 24 hours after I had already informed Chase that I was disputing the charge and that it was not my purchase. They informed me that the item was delivered to my apartment building on XX/XX/2018. 

I later followed up with Chase and provided them with my phone records on the date of the purchase, including some of my geolocation data, confirming that I had not called XXXX XXXX XXXX on XX/XX/2018 and that I was not at home when the item was delivered on XX/XX/2018. I was at work when the item was delivered, and whoever ordered the item had requested " No signature required. '' I never received this item and never received any benefit from it. 

I filed a police report with the XXXX on XX/XX/2018, police report number XXXX with the XXXX precinct. 

I also sent a letter to Chase on XX/XX/2018 concerning this dispute. 

On XX/XX/2018, Chase sent me a letter stating that they confirmed the " transactions are valid. '' This dispute process is completely unsatisfactory. I informed Chase immediately that I had not made this purchase, and they did not take any steps to insure that this item was not shipped. They had nearly 24 hours to prevent the shipping of this item, it was their inaction which led to whoever fraudulently purchased this item actually securing the item. 

I will continue to dispute this charge with Chase, I kindly request your assistance in this matter.
Consumer complaint received 2018-01-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Google Compare Credit Cards Inc. (OH)

XXXX HAS BEEN CALLING REPEATEDLY FROM RANDOM NUMBERS ATTEMPTING TO MAKE ME PAY FOR SERVICES THAT WERE NEVER RENDERED BY THE COMPANY. THE NUMBERS HAVE BEEN ADDED TO A BLOCK LIST BY THE CELL PHONE PROVIDER BUT THE NUMBER CONTINUE TO CHANGE AND IT IS IMPOSSIBLE TO BLOCK ALL OF THE NUMBERS THAT ARE BEING USED BY XXXX WHEN THEY ARE CALLING INTO XXXX XXXX XXXX
Consumer complaint received 2024-08-18
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: Experian Information Solutions Inc. (IL)

I request for the payment to get correct on my credit file I was never late for this account in XXXX of XXXX or XX/XX/XXXX. Payment was taking out my account and I can see that the credit card payment was made to my self builder credit card. Please update the account and change the late payment to paid on time. Here the account name and number : XXXX XXXX/ account number XXXX. I have proof payment was made.
Consumer complaint received 2022-09-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch (MD)

My ex husband for a Water filtration system that was posted on my credit as a mortgage. This was in XXXX. My husband and I divorced and I filed for bankruptcy and so did he. My BK has been discharged since XXXX, the account was included in the BK so was the house and these people have henderse me from being able to get a house and they refuse to drop this account. I have asked for a copy of the original contract and theyre still reporting me as late and that I owe. I want to press charges against this company, that have destroyed my credit illegally. The companies name is castle credit out of Florida. Its been 7 years, not only have they reached the statue of limitations, they have reported me late all these years.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I've been a victim of identity theft. My information was exposed to the public in the XXXX and most recent data breach. I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously and immediately!!!
Consumer complaint received 2022-02-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (FL)

In 2011 I was given XXXX bad loans to attend XXXX  university which was overcharging students to attend. The loans have been on forbearance due to high total of loan. I was forced to withdraw due to unable to make payments while in school and have been left with {$17000.00} in student loans. 
I have filed for my loans to be dissolved and handled by the lawsuit by th cfpb and XXXX regarding for profit school. 
They show late payments on my credit report to all three bureaus which has lowered my XXXXredit score
Consumer complaint received 2022-02-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (IL)

joined as a student at XXXX in 2019 and went there for a XXXX  and XXXX  months, was set on a normal payment plan for my student loans and all was well, i failed one class due to attendance and signed up to retake it now ive been out of XXXX for almost 3 years and i apparently owe XXXX dollars for that one class i had to retake the loan terms and agreements made by the school are sketchy and they will do anything like make students sign loans to make a dollar, my mom had to sign first when i first came to apply for the school but suddenly didnt need to have her there to sign when i had to retake the class mentioned above. also notice how when contacting the school for said documents on the enrollment agreement they only send the initial enrollment agreement paperwork ive provided in the docs
Consumer complaint received 2024-08-18
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: Experian Information Solutions Inc. (IL)

In regards to XXXX this is yet again another fradulent statement provided by XXXX in an attempt to coverup their now illegal and criminal acts. 

How much longer is the CFPB going to allow them to stay in business??? 

Keep in mind not only a harm to consumers but also tax evasion. Tax evasion since XXXX originally did not report XX/XX/XXXX and XX/XX/XXXX payment and then charged off this account twice!!!! Another federal non-compliance. 

So, over a $ XXXX tax break in addition to not reporting over $ XXXX in revenue from not updating the balances!!! 

************Violation of FCRA 607, 623, and 609********* FCRA violation is clear since they have reported false information to all three credit agencies for over 1 1/2 years. 

Knowingly reported incorrect information to the credit agencies. 

This is just another false statement reported to now a federal agency!!! Evidence is beyond a reasonable doubt!! 

Also, please review complaint XXXX from XXXX of XXXX. 

Company 's Response In the case of XXXX XXXX, Complaint Number : XXXX, we have investigated this matter with the full cooperation of the franchise-owned XXXX. XXXX XXXX is disputing the repossession of the vehicle. XXXX XXXX and XXXX XXXX purchased a XXXX XXXX XXXX on XX/XX/XXXX from a franchise owned XXXX XXXX XXXX XXXX in XXXX XXXX, Illinois. The vehicle was covered by a 36-month,36,000 mile service contract, whichever occurs first. XXXX XXXX defaulted on her retail contract, and her vehicle was subsequently repossessed on XX/XX/XXXX. All required repossession notices were sent to XXXX XXXX and XXXX XXXX. Additionally, XXXX has written policies and procedures that govern the repossession process to ensure that every repossession adheres to federal and state regulations. At XXXX we strive for the highest level of satisfaction for every customer. While we sympathize with XXXX XXXX predicament, she did default on her retail contract. The franchise owned XXXX gave XXXX XXXX the opportunity to redeem her vehicle. In addition, XXXX XXXX was advised that once she reclaimed, the vehicle would be evaluated and any eligible repairs would be processed through the remaining service agreement. XXXX XXXX did not reclaim her vehicle and the vehicle was sold at auction, and the proceeds were applied to the account, leaving a deficiency balance owed of {$11000.00}. The account was reported as a chargeoff on XX/XX/XXXX. 

XXXX wrote this response as if it was the CFPB wrote it. This is what the XXXX  XXXX relied on when closing out my complaint. Yet again another fraudulent misrepresentation!!!