davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-29
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. (NC)

I would like to dispute the following inaccurate accounts on my credit report. 

XXXX : XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$21000.00} XX/XX/XXXX XXXX Account Number XXXX XXXX {$160.00} XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Experian : XXXX XXXX XXXX Account Number : XXXX {$21000.00} XX/XX/XXXX XXXX : XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Account Number : XXXX {$21000.00} XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiryXXXX
Consumer complaint received 2024-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (IN)

On XXXX, XX/XX/XXXX, I opened a Chase total checking account using an online promotion that promised to pay me {$300.00} after I received {$500.00} in direct deposits. I opened the account and set up direct deposit with my employer. My check was deposited successfully, then suddenly I was unable to access my account via the app. I reached out to Chase to XXXX  that my account was locked for suspicious activity that they couldn't explain and that the only way to unlock it was with my debit card which hasn't arrived yet. Once I received my debit card I called them and was told I had successfully verified and that the account would be unlocked soon. Instead, chase abruptly CLOSED the account with no explanation and told me that a check would eventually be sent with the amount of my direct deposit. This prevented me from accessing my money for several days. I visited my local chase branch to attempt to resolve the issue. I provided them with the promotion code for the {$300.00} offer but instead of reopening my account the opened a new one. It turns out that instead of opening the correct account that qualifies for the promotion they instead opened an account called " chase secure banking '' which doesn't qualify for the offer. 

I believe that the bank illegally discriminated against me.because I just turned XXXX and haven't had any accounts before. So this incident resulted in me not being able to access my funds ( as of today the check STILL has not arrived with the balance of my account ), AND they seem to be withholding the {$300.00} bonus offer that I should have been entitled to by closing my account and then opening a different kind of account in the branch. 

I want Chase to be accountable for their mistakes and honor the {$300.00} promotion that I had signed up for.
Consumer complaint received 2023-12-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim and I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). Despite my repeated efforts to seek validation of the debts in question, the information provided by your bureau is inadequate and far from satisfactory. The following account is of particular concern, as the details provided are insufficient for proper validation : XXXX  XXXX Date Opened : XX/XX/2015 Balance : {$0.00}. I am extremely disappointed that your bureau has not upheld its obligation to ensure accurate reporting and provide sufficient validation for these debts. As a consumer, I have the right to accurate and verifiable information on my credit report, and it is unacceptable that your bureau has failed to meet this standard. I expect an urgent and thorough investigation into these matters, and I request that you promptly provide any supporting documentation used to validate these debts. Your compliance with the Fair Credit Reporting Act ( FCRA ) guidelines is crucial to ensure accurate reporting, and I anticipate your prompt action on this dispute.
Consumer complaint received 2024-06-29
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. (SC)

I am writing to express my concerns regarding several issues I have experienced with the credit bureau. These issues include billing errors, inaccurate credit reporting, multiple unauthorized inquiries, incorrect address listings, and accounts that do not belong to me.
Consumer complaint received 2024-06-29
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. (CA)

The items listed below are reported again on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 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 2023-12-04
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: MRS BPO, LLC (MN)

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. 


I told XXXX, XXXX, and XXXX to reinvestigate these accounts : MRS BRO L.L.C. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.

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 an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report 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. 1681 s-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 2020-01-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: College Assist (AS)

My wife and I have been paying our student loans through XXXX. Around XXXX or XXXX, our loans were no longer serviced by XXXX. My loan went back to my original lender and we were never informed to where my wife 's loan went. As a result her loan went into default because we did not know who to make payments to. Her loan went into default and we were able to get it out of default within a year. Unfortunately our XXXX tax return I believe went straight to the student loan due to being in default. We are tying to get an accounting to see where the money went. If it did go towards our student loan? and if it did, Why is our student loan still high? were there other ridiculous fees added on? We've been trying to contact XXXX XXXX XXXX XXXX , College Assist, and XXXX XXXX XXXX who were all involved. But they seem to be " passing the buck '' to each other. In Summary : 1. Where did my tax return money go to? approx {$7000.00} or {$9000.00}, I'll double check 2. If it did go to my student loan, ... Why hasn't my Total amount significantly decreased?
Consumer complaint received 2024-06-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2023-12-19
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. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 2023-12-19
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)

XXXX XXXX XXXX  Account Number : XXXX and Account Number : XXXX is reporting to my consumer report as charged off accounts. A charge off is considered a certificate of indebtedness which means IT IS income. Income can not be reported. These accounts must be removed from my consumer report per IRS Publication XXXX ( 2021 ), Canceled Debts, Foreclosures, Repossessions, and Abandonments. 
See https : XXXX This is a violation of my Federally protected consumer rights under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING
Consumer complaint received 2018-03-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Ad Astra Recovery Services Inc (TN)

I've reached out to the company multiple times to get something with my information and they won't provide me with anything. I never took a loan out with the company and I don't feel I should be held responsible for money I've never received.
Consumer complaint received 2024-10-04
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NM)

I was traveling to XXXX. At the airport, the vending machine wasn't working properly so I tried using my card. I go to XXXX, use the card a couple times at the resort and go to check if there are going to be issues with using it in XXXX. I see the vending machine company has now repeatedly charged my card and continued to repeatedly charge my card. Having had a previous issue with skimmers at a gas station, I do a fraud warning on my card to stop any more charges on my card. As soon as I get home, I call Chase to let them know what happened and get a new card issued, but I'm told my account is closed, I will never get my account back because of the inappropriate activity. That a credit analyst reviewed my account and I'm not allowed a Chase credit card for this inappropriate activity of disputing the charges, i.e. asking them to freeze the card to STOP fraud. I have over XXXX miles on the card. So they are punishing me for trying to stop fraud, by closing my account, which in turn affects by credit rating because they are the ones that closed it.
Consumer complaint received 2024-10-15
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)

My account with was never late! I have had exceptional payment history with XXXX XXXXXXXX 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.

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!

Delete the late payments from my consumer reports
Consumer complaint received 2023-08-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX To Whom it May Concern This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 usc 1681e ( b ) Compliance and procedures ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall fellow reasonable procedures asure maximum possible accuracy of the information concerning the individual about whom the report relates. 

otherwise anyone paying for your reporting services could fax, mail, or email fraudulent account. 

I demand to see verifiable proof XXXXan oraginal consumer Contract with my signature on it that you have in file for the accounts listed below or a certification from the creditor that certified the accuracy and completeness of the information Your failure to positively verify these accounts has hurt my ability to obtain credit.Under the FCRA unverifiable accounts must be deleted and if you are unable to provide me a copy of verifiable proof you must Delete the accounts below I demand that the following accounts be deleted immediately XXXX XXXX XXXX XXXX account number XXXX amount XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX amount XXXX in addition Delete all non account holding inquiries over 30days old Under federal law you have thirty ( 30 ) days to complete your re-investigation Be advised that the description of the procedure use to determine the accuracy and completeness of the information is hereby required as well to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

thank you XXXX XXXX
Consumer complaint received 2024-06-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FC HoldCo LLC (AL)

I hope this message finds you in good health and high spirits. I am writing to express my deep concern and frustration regarding the ongoing credit reporting issues I have been facing since purchasing my XXXX XXXX XXXXXXXX from XXXX XXXX in XXXX of this year. 

To provide some context, I financed the vehicle through Flagship Credit Acceptance. Despite consistently making timely payments, there has been no record of these payments on my credit report. Surprisingly, neither my personal credit report nor that of my co-signer reflects the existence of the vehicle. This discrepancy has raised serious doubts about the accuracy of my credit history, resulting in significant stress and uncertainty.

I have made numerous calls to Flagship Credit Acceptance in an attempt to address this matter. Although I do not have the exact dates of these calls, I want to assure you that I have diligently followed up on this issue. During one of my conversations with a customer service representative, I was informed that a form needed to be submitted to their credit department, and the resolution process would take approximately one month. However, it has been well over a month and a half since then, and no progress has been made towards resolving this issue.

Furthermore, I have encountered persistent technical difficulties when trying to access my account on Flagship Credit Acceptance 's website. After purchasing a new phone, I experienced trouble logging in. Despite multiple attempts to reset my password using the provided link, I have been unable to regain access. I have reached out to customer service several times to address this issue, but unfortunately, the problem remains unresolved.

I believe it is crucial to bring to your attention that my concerns are not isolated incidents. Many other individuals have experienced similar challenges with Flagship Credit Acceptance. It is my hope that you will take my situation seriously and work towards a prompt and satisfactory resolution. 

Thank you for your attention to this matter. I look forward to hearing from you soon.
Consumer complaint received 2023-12-19
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. (MA)

I have spoken to a rep from this bank in regard to my payment history and reporting on my credit report incorrectly. They have advised me that their system automatically generates the report, and they don't control or report late payments. I have also sent proof to all three credit reporting agencies that they are reporting inaccurate information and unfortunately, they have not corrected the information or delete. All three CRA 's are reporting incorrectly and will not correct the information.15 U.S. Code 1681i - Procedure in case of disputed accuracy : ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general, 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
Consumer complaint received 2023-12-19
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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
Consumer complaint received 2019-04-09
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. (PR)

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX To who may interest : I applied for my credit report to buy my first home I am residing in XXXX XXXX since XX/XX/XXXX and I sent evidence of the XXXX boarding pass, also evidence of a XXXX Police Ticket. 
I resided at XXXX XXXX XXXX. XXXX, XXXX. XXXX. I need the following accounts to be investigated and removed from my Credit Report. These accounts belong to another person because I have not applied either in XXXX or in XXXX these two accounts belong to my wife XXXX XXXX XXXX XXXX. 
These are the accounts that have to be removed in the name of XXXX XXXX. 
XXXX XXXX went through the worst catastrophe Hurricane Maria and me and my family need to buy my first safe home and these accounts are affecting me to buy my Safe Home. 

This are the accounts : 1. XXXX XXXX XXXXXXXX {$1700.00} XXXX XXXX XXXX 2.XXXX XXXX {$5900.00} XXXX XXXX XXXX 3 . XXXX {$490.00} XXXX XXXX XXXX .4.XXXX {$350.00} XXXX XXXX   XXXX 5. XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX