davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (MD)

I am executor of my aunt 's estate. She resided in XXXX, NY and banked at Chase. she died in XX/XX/XXXX, probate was filed and opened in XX/XX/XXXX and I was appointed executor. 

in XX/XX/XXXX, I provided copies of the letters of administration and my aunt 's death certificate to my local branch of Chase Bank as directed to close her account per my duty as executor. When I went to the branch in XX/XX/XXXX to pick up the check for the proceeds of the account, the amount was much lower than I had anticipated. When I asked to see the account statements, the rep showed me statements for XXXX XXXX XXXX showing 15-20 microwithdrawals from non-Chase ATM machines totaling between $ XXXX $ XXXXmonth. Because my aunt died in XX/XX/XXXX, these withdrawals were clearly unauthorized. The branch rep would not give me any other statements, and advised me to call Chase 's Fraud Investigtion services to report this theft. 

I contacted Chase 's fraud services. The rep who I spoke with confirmed that these micro-withdrawals in the same monthly amount went back to XX/XX/XXXX. However, he would not provide me with the statements or report the fraud because he said my name was not on the account and I needed a POA. I explained that I was executor, that Chase had approved my paperwork and that a POA can not be granted by a dead person. He then agreed to submit the report, but when I called back the next day to check the status, I XXXX told the complaint file was closed because of no POA. I asked to escalate to management but was told all I could do was write a letter. 

I reported the theft to the XXXX which is investigating. But without the bank statements, they are limited to investigating only the {$3000.00} on the statements that I was given and not the full {$30000.00} or so stolen. In addition, time is of the essence and Chase 's refusal to investigate interfered with apprehending the perpetrator. Finally, Chase must take responsibility for loss of this money while my aunt 's account was in its care.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (NJ)

I received a late payment & not sure why. I made XXXX recent payment on XXXX XXXX XXXX. I never was notified by Wells Fargo either on a missed payment. Im asking this late payment to be taken off of my credit report.
Consumer complaint received 2024-01-12
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. (FL)

Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, please remove them as quickly as possible and send me a copy of my new, accurate credit report.
Consumer complaint received 2024-01-12
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. (NJ)

Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, please remove them as quickly as possible and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (TX)

XX/XX/year> letter from XXXX that account was paid in full. 
Since account was paid they continue to report to the credit buero that this account is past due. 
As a XXXX XXXX  every year I have to provide evidence to multiple states licensing beuro that this account is paid. 
I have received weekly calls from XXXX over the course of three years insisting that this account is not paid and they will continue to report to credit and collections attempts. Each time I talk to them I offer to provide evidence that they reject. They will not give me proper contact to submit evidence of payment.
Consumer complaint received 2018-09-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Received notification from XXXX XXXX on XX/XX/XXXX that a collection account was posted to my credit report. Credit report indicates collection account from Portfolio Recovery Associates. Never received any notification by mail of this account or this action. Had no opportunity to verify or dispute alleged debt. Repeated harassing calls from rotating numbers several times a day for months no messages ever received. Research on my part indicate the numbers are Portfolio Recovery Associates. Still unclear where debt originated or what the account is. Portfolio Recovery Associates reported to credit bureaus age of debt is reported as 4 years 10 months showing was opened in XX/XX/XXXX. We had filed bankruptcy XX/XX/XXXX. I believe from research we can not be sued but it shows up as a collection account. Under Texas Debt collection act it is past statue of limitations.
Consumer complaint received 2023-10-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sarma (TX)

XXXX XXXX supposedly I owe them XXXX $ and decided to send it to collector debt ( Sarma collection Inc ). 
I was patient at XXXXXXXX XXXX  and you have to pay the deductible before they start treating you, and we agreed about the the payment in advance and i paid my deductible in advance then my dental insurance will pay the rest, later on they decided to charge me extra because I decided to go to another company. I don't know they think they can charge me extra if I change XXXX I paid them all my parts and they need to stop bothering me. 
thank you
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

XXXX Please be advised, per my conversation with Capital One customer service supervisor, XXXX ( XXXX ), and customer service supervisor XXXX XXXX XXXX ) that there is no further recourse of action that can be taken for XXXX not reporting either credit cards on the consumer credit reports, when the consumer 's information was verified and sent to XXXX XXXX update credit reports with each account number respectively. The supervisor stated she will notate the account and was advised to contact XXXX. I spoke with XXXX customer service rep, XXXX XXXX, and was advised that the accounts in question can not be disputed because it is not reflected or reported by the creditor for previous dispute # XXXX. I was advised to contact Capital One for further assistance. I requested to escalate the file and was given case # XXXX. 

The following accounts are not reporting to my XXXX credit report : Capital One Savor Card ( Authorized User ) - Opened : XX/XX/XXXX Capital One Spark Business Card - Opened : XX/XX/XXXX The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). Additionally, according to the FAIR CREDIT REPORTING ACT/REGULATION V. Section 623 of the FCRA and Regulation V, generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. 

As stated by my XXXX credit report, most of my Capital One Bank credit cards and co-branded cards are reporting, except for the above accounts mentioned. Please review and update my XXXX credit report with each credit card information accurately.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (NJ)

I received a late payment & not sure why. I made two recent payment on XX/XX/year> & XXXX. I never was notified by Wells Fargo either on a missed payment. Im asking this late payment to be taken off of my credit report.
Consumer complaint received 2024-01-13
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: WELLS FARGO & COMPANY (GA)

I have provided a FTC affidavit and put this company on notice and this company admitted in the resolution they sent that they some inconsistencies on their reporting on the consumer report then in the next line state they found no error this is a violation and admission of damage and fault to my estate. I demand this account be removed immediately. I am a victim of identity theft and this company has open admitted to giving false and inaccurate information to all three credit bureau. This is security fraud Wellsfargo is doing. I have already been contacted with local lawyer about each consumer violations and im thinking about hiring them if this is not fixed immediately. I have put wellsfargo on notice. This company stated multiple lies and inconsistencies but the fcra says a report must be 100 % accurate but this company has failed in doing so. Plus a certificate of indebtedness as this company has admitted should never be reported to the credit bureau because it would be income but the real facts in the matter is this company is admitting to violating my consumer rights and participating in identity and security fraud. I as for the account to be remove/blocked/deleted not for this company to update their already wrong and inconsistent reporting which is a violation of my consumer protected rights. I have included this companies response to the first complaint In this complaint this will make XXXX times I have put this company on notice for the record
Consumer complaint received 2024-01-12
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)

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 to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail 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
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

A bankruptcy has shown upon the consumer report, Experian, XXXX XXXX XXXX currently is reporting information without consent of the consumer. when question, each entity stated " it is public information & consumer needs to contact company that furnished information. '' The courts presented a letter stating " NO XXXX XXXX REPORT ANY INFORMATION TO CREDIT AGENCIES. '' The information STILL remains on consumer 's report & agencies refuse to remove.
Consumer complaint received 2023-05-02
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. (NJ)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in 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
Consumer complaint received 2023-05-02
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2024-01-12
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. (GA)

I have diligently followed the established dispute process, providing irrefutable evidence of the fraudulent nature of these items and any other relevant documents. Regrettably, these fraudulent entries continue to tarnish my credit report, exacerbating the negative impact on my financial standing. 

I wish to emphasize the urgency and severity of this matter, and I express the following concerns : The persistent existence of these fraudulent items not only continues to harm my credit score but also raises serious concerns about the security of my personal information. Immediate action is crucial to rectify this situation and prevent further damage. 

The Fair Credit Reporting Act ( FCRA ) mandates that consumer reporting agencies promptly investigate and correct inaccurate or fraudulent information. The prolonged existence of these fraudulent entries on my credit report is a direct violation of this legal requirement. 

Despite my repeated attempts to resolve this issue, the lack of resolution is unacceptable. I am left with no choice but to escalate this complaint to higher authorities and legal channels if this matter is not promptly and satisfactorily addressed. 

I insist on your immediate attention to this serious matter and a swift resolution to remove the persistent fraudulent items from my credit report. I demand detailed information on the steps being taken to investigate and correct this issue. 

I expect a written response within 15 days, as the urgency of this matter necessitates a more expedited resolution. This response should outline the results of your investigation and the concrete actions taken to rectify the persistent fraudulent entries. Failure to address this issue within the specified timeframe will leave me with no alternative but to pursue legal remedies aggressively. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$990.00}.
Consumer complaint received 2023-04-14
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: Experian Information Solutions Inc. (MA)

Experian you are reporting inaccurate information on my consumer report. I have disputed the inaccurate names on my consumer report. The correct spelling of my name is XXXX XXXX XXXX. I have provided my Massachusetts state issued driver license as proof of the correct spelling of my name. I demand that you remove or delete ALL other inaccurate names on my customers report immediately.
Consumer complaint received 2023-05-02
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

I was approved for a Synchrony Bank Care Credit Card in XX/XX/XXXX. I made on time payments every month, and never missed any payments. My credit limit was {$9500.00} and my balance was about {$3800.00}. Synchrony Bank said they conduct an account review on everyone 's account every 6 months to determine if the need to make changes to the account. 

They decided to decrease my limit from {$9500.00} to {$4000.00} which put me over 30 % utilization causing my credit score to drop. Then in XX/XX/XXXX my bank account was compromised, I contacted Synchrony Bank to inform them before the payment was returned, instead of them allowing to make another payment, they closed my account XX/XX/XXXX for 1 returned payment. 

They followed up with closing my XXXX XXXX, and decreased my limit with American Eagle from {$500.00} to {$400.00} dollars, once again putting me over 30 % utilization. 
I have never had anything like this happen to me with any other creditor, they have treated me very unfair.
Consumer complaint received 2024-01-12
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. (NJ)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-12
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. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-12
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. (FL)

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-12
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. (FL)

I recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Greeting these inquiries where made without my consent to pull my credit and violated the fairs credit act and asking for removal XXXX XXXX XXXX Date : XXXX Inquiry Type : Auto Financing XXXX XXXX Date : XXXX Inquiry Type : XXXX XXXX XXXX XXXX Date : XXXX Inquiry Type : Credit Unions XXXX  Date : XXXX Inquiry Type : Bank Credit XXXX XXXX XXXX XXXX : XXXX Inquiry Type : Credit Unions XXXX XXXX XXXX : XXXX Inquiry Type : Credit Unions XXXX XXXX XXXX : XXXX Inquiry Type : Credit Unions XXXX XXXX XXXX : XXXX Inquiry Type : Credit Unions XXXX XXXX XXXX : XXXX Inquiry Type : Credit Unions XXXX XXXX XXXX : XXXX
Consumer complaint received 2024-11-19
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)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "