davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

I was at the pharmacy picking up a prescription and my card was declined. I called the bank and was told my accounts are closed. I asked why and was not given a reason. I was told a letter will be mailed. I asked how will I receive my money or when because I have direct deposite. I was told they are not sure as of now. My mortgage, water, and gas bill is due. I had a Dr appointment today and insulin to pick up and Im unable to get it. I have no money for gas or food as I get paid XXXX. I would have received the funds today XXXX. I also dont understand how the accounts were closed and I was able to open one on XX/XX/XXXX. I dont know if someone has committed fraud in my name I dont know what to think. Ive been with the bank since 2020. Now I have to find another method for my direct deposit.
Consumer complaint received 2024-06-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Omega RMS, LLC (NY)

I am writing to formally to disputing all allegations of debt that Omega RMS is claiming I owe XXXX XXXX XXXX. Omega is reporting on my consumer credit report that I owe. XXXX XXXX XXXX {$2000.00} plus. I demand that, Omega. RMS removes the allegation off my credit report Immediately are Ill be forced to take legal action.
Consumer complaint received 2023-04-18
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information On XX/XX/XXXX Date you sent the fist letter ) I mailed certified mail a notice requesting my Disclosure Pursuant 15 USC 6802 ( b ) you have failed to provide me with the required disclosures as per federal law. The law is explicitly clear that before a financial institution discloses any consumers non public person information they must give the consumer 3 disclosures so the consumer has an opportunity to opt out of having their information reported. 
XXXX XXXX you knowingly, will fully and fraudulently withheld pertinent information to suite your own agenda, forcing me to comply illegally with you reporting my non public personal information to a non affiliated third party companies for your own benefits and profits, this was not equitable to me, my family or household. 
I AM ENVOKING MY SPECIED REMEDY THAT YOU PREVIOUSLY DENIED ME BY WITH HOLDING MY DISCLOURES, Pursuant 15 USC 6802 ( b ).

Opportunity to cure Default Final Notice PURSUANT 15 USC 6802 ( B ) i am living breathing man hereby exercise my right and specified remedy to OPT-OUT of having this account with my non public person information reported. 
DELETE THE BELOW ACCOUNT FROM ALL CONSUMER REPORTING XXXX XXXX bank # XXXX # XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: STATE EMPLOYEES CREDIT UNION (NC)

XX/XX/XXXX XXXX {$3000.00} was taken out of account, this man was able to send himself money off my my wallet on my phone and I did not authorize him to do so and when I spoke to my bank they said I let him. When I noticed the money was gone I called the police and got an investigation report but the police never got back in contact with me
Consumer complaint received 2024-06-09
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. (VA)

PLEASE DISPUTE THE FOLLOWING ITEMS ON MY CREDIT REPORT. 

XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX {$24.00} XX/XX/XXXX EXPERIAN XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXXXXXX XXXX Account Number : XXXX {$24.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Account Number : XXXX {$24.00} XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX service account # XXXX and XXXX XXXX XXXXXXXX violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : also consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, account which were involved with the XXXX & a copy of a completed & submitted FTC XXXX XXXX report. Im complying with the letter of the law & what youre required to have to honor my 605B request. This account need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. XXXX XXXX XXXX.
Consumer complaint received 2023-10-25
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I APPLIED FOR XXXX SHARE WITH XXXX  IN XXXX. I GOT APPROVAL ON XX/XX/XXXX AND DID NOT RECEIVE ANY DEBIT CARD AS I WAS TOLD I WOULD. I WOULD CALL BANK OF AMERICA AS THEY ARE THE CARD PROVIDER BUT THEY WERE REQUESTING CARD NUMBER EVERYTIME I WOULD CALL. I COULDNT REPORT THE CARD LOST OR STOLEN SINCE I HAD NO KNOWLEDGE IF THE CARD WAS SENT OUT OR NOT. ON XX/XX/2023, I RECEIVED A LETTER FROM BANK OF AMERICA STATING I CHANGED THE PIN NUMBER AND LETTER WAS SENT AS A COURTESY/CONFIRMATION, IT STATED IF I DIDNT REQUEST AND SUSPECTING THE CARD WAS STOLEN TO CALL THE NUMBER ON THE DOCUMENT. WHICH I CALLED RIGHT AWAY, I NOTIFIED THEM THAT I NEVER RECEIVED MY CARD AND DID NOT REQUEST A PIN CHANGE. THAT IS WHEN I WAS ADVISED THAT {$500.00} WAS RETRIEVED FROM A XXXX XXXX. I STARTED A FRAUDULENT CLAIM THE SAME DAY, UPDATED ALL MY INFORMATION ON THE ACCOUNT AND WAS PROVIDED A NEW CARD WITHIN 2 DAYS. I WAS ALSO ADVISED TO WALK INTO A BOA BRANCH AND PROVIDE MY PHOTO ID SO THEY CAN DOUBLE CHECK THAT IT WAS NOT ME WHO RETRIEVED THE MONEY FROM XXXX AND IT WOULD TAKE ABOUT 90 DAYS TO GET A RESPONSE. ON MONDAY XX/XX/XXXX, I CALLED TO GET AN UPDATE TO CHECK IF MY PICTURE ID WAS RECEIVED AS THEY ADVISED. THATS WHEN I WAS NOTIFIED THAT MY CLAIM WAS DENIED. REASON I WAS GIVEN WAS THAT THE RESEARCH DEPARTMENT DETERMINED I GAVE APPROVAL TO CHANGE PIN AND RETRIEVE MONEY. I ARGUED AND INSISTED THAT I DID NO SUCH THING. ON TUESDAY XX/XX/XXXX, I ASKED THEM TO REOPEN THE CASE SINCE I FELT THE RESEARCH DEPARTMENT DID NOT THOROUGHLY CHECK. I CALLED THE POSTAL SERVICE AS WELL TO OPEN A CASE INTO MY MAIL BEING STOLEN. THEY WERE MORE HELPFUL THAN THE BANK AS THEY SAID THEY WOULD SEND ALL INFORMATION I PROVIDED TO THEIR FRAUD DEPARTMENT. I CALLED BOA AND PROVIDED THE CLAIM NUMBER FROM POSTAL SERVICE.
Consumer complaint received 2024-06-09
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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : Chapter XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX 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 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I am writing to formally contest and dispute the inaccurate reporting of the accounts on my credit report. Upon contacting the relevant companies, it was confirmed that an error had indeed occurred. Additionally, assurances were given over the phone that the accounts would be promptly updated. Your bureau is legally obliged to conduct a thorough and timely investigation of disputes, including a review of all pertinent information submitted by the consumer, in this case, myself. Both XXXX and XXXX have already rectified the inaccuracy of these accounts on my report. Therefore, I kindly request that you take immediate action to update these erroneous accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-06
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)

This is my several endeavors to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-06-09
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)

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 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 2024-07-08
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 have spent hours upon hours on the phone with XXXX  and the credit reporting Bureau 's. I will try to break down each point of discrepancy below : Issue 1 : The first date of delinquency on documents sent to me by XXXX  was on XX/XX/XXXX. That is over 7 years, and most reporting agencies would have removed this from my credit. XXXX never reported this date, and when I dispute their reporting, they add worse items onto my credit, even after they previously reported them as correct. Both of which should violate the FCRA. 

Issue XXXX : My original line of credit ( XXXX ), which was opened in XXXX of XXXX, was never late, would take money out of my checking automatically to avoid any late payments, and was suddenly closed by XXXX. A new account was then opened without my knowledge. I do not think the setup was the same, XXXX can not confirm if any changes were made, and I also requested proof of where I signed anything to start the " new '' line of credit account, and have received nothing. If they can not prove this was an error on their end, I believe this is another reason they should remove my account from all credit reporting. 

Issue XXXX : Their employees on the phone are unable to see most of what I am disputing. They also have told me conflicting information from what the credit reporting agencies tell me. They say the fall off date is the date on which the account was closed ( which they have changed several times with the credit bureaus ), which the bureaus state that the fall off date would be from the date of first delinquency ( which was over 7 years ago showing as XX/XX/XXXX ). As of now, I still have all of my accounts with XXXX. They send me pre-approved offers for credit cards and the same line of credit, but they belittle me when I try to ask for information/documentation, etc. on the phone. I need someone to verify what they are doing is indeed in line with FCRA policies, and intervene if they can not answer the points I have outlined above. Also, this account is paid in full, I owe them no money, they just tell me to " go to your local branch '' and obtain documents that they themselves can not see. If that is the case, how is this information being verified?
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-25
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. (MI)

XXXX the Higher Education Act and the real U.S. Department of Education regulates the Federal Consolidation Promissory which requires the Disclosure Statement and Repayment Schedule ( disclosure ) be sent at or about the time the fedral consolidation loan was distrubited, this is written on page XXXX of XXXX of the federal consolidation loan application and promissory note. XXXX send the Disclosure Statement and Repayment Schedule. The disclosure statement will have the federal lender name who orginate the federal consolidation note and education code, date money was distrubuted, what federal lender received the money, amount of money distributed and date of distribution, terms of repayment of the money, each federal loan promissory note consolidated from XXXX XXXXXXXX XXXX XXXX XXXX XXXX my federal lender, date the federal consolidation loan can be canceled, statement if the federal loan goes in default who can a person contact, my legal address and the federal lender orginator website address that the application was completed. XXXX without the Disclosure Statement and Repayment Schedule means no money was distrubited. XXXX on page XXXX of XXXX of the federal consolidation loan the loan holder name is XXXX XXXX XXXX, I never had a loan with XXXX XXXX, no entity exist with name of XXXX XXXX XXXX. Your federal consolidation loan was not consolidate with my lender XXXX XXXXXXXX XXXX XXXX XXXX XXXX why? The loans listed on page XXXX are not my federal student loans. XXXX send the E-Sign contract to verfiy the type printed name and my physical address as the application requires and wrote, no XXXX XXXX without a physcial address. 
XXXX you are wilfully in violation of the Fair Credit Reporting Act for not supplying the Disclosure Statement and Repayment Schedule. XXXX you have prevented me in obtaining a mortgage. I have to renew my lease for higher rent payment. XXXX you have damaged me. XXXX it does not take up to 60 days to send me the Disclosure Statement and Repayment Schedule in which is manditory. With in four days after receiving this complaint XXXX does not send me the Disclosure Statement and Repayment Schedule my summons and complaints is ready to file. 
XXXX send me the Disclosure Statement and Repayment Schedule now.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (SC)

I'm " XXXX XXXX XXXX, '' and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX : {$3100.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$16000.00}
Consumer complaint received 2023-08-25
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. (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 2024-07-08
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. (GA)

Why until now these negative accoounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.