davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (AZ)

Chase send me an email offer with URL link on XX/XX/XXXX about opening checking/saving account together. 

In the offer, it stated if I meet the direct deposit and minimum balance requirements, a combined total {$900.00} bonus will be deposited into my account. 
Chase Customers : Offer ends XX/XX/XXXX. 

I followed the URL link from email, opened the account on XX/XX/XXXX and met all the requirements but the offer was not honored. 

When I called Chase promotion XXXX, they told me " they don't have record showing me taking upon the offer ''. I requested to be transferred to supervisor, which they did. 
I talked to a gentleman called XXXX XXXX and explained to him the situation. 
He listened and responded " there is no reason why I can't receive the promised {$900.00} bonus and he will take care of it and get back to me in XXXX ''. 

Well, XXXX week has passed and again, the promised bonus is still not showing up.
Consumer complaint received 2024-05-23
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'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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

I am XXXX XXXX, and XXXX submitting this complaint myself and there is no XXXX  party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2023-07-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (NM)

XXXX XXXX is notoriously bad for having their offices not keep, or losing, records of customer payments and resolution when conducted in person. My bill was always paid on time, prior to my moving. I canceled my service 14 days prior to my move this was done through customer service by phone. I returned my equipment- apparently the service wasnt turned off - the office rep in person said she corrected this and my account was taken care of. I owed nothing. Now, theirs is a debt collector that is basically extorting and abusing their ability to negatively impact my credit scores if I dont pay them. This is coercion, they are not XXXX XXXX. I have disputed twice and, after researching their practices, they have a history of this kind of behavior. They should not be rewarded with a livelihood funded by consumers being extorted. I am a XXXX veteran with XXXX and this is very triggering and distressing.
Consumer complaint received 2023-05-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (AZ)

To whom it may concern, It sounds like Chase may be in violation of the Electronic Funds Transfer Act ( EFTA ) 15 U.S.C. 1693 et seq. and its implementing Regulation E. By intending to initiate an electronic funds transfer from my bank account ( as defined by 15 U.S.C. 1693a ( 7 ) ), the transfer of {$1100.00} is a transaction subject to Regulation E and EFTA. See 12 C.F.R. 1005.3 ( b ). Chase obtained authorization from me for this transfer but did not comply with the requirements of Regulation E and EFTA. Specifically, Chase completed an electronic funds transfer that did not arrive in my receiving bank account ( XXXX XXXX XXXX ) due to a computational error made by Chase as a financial institution. 
This error was a result of me giving Chase accurate information, i.e., logging in to my XXXX online banking account through Chases transfer platform and giving Chase access to my XXXX credentials. Chases transfer platform allowed me to select an Account that Chase interpreted and extracted incorrect data from. I relied on Chase presenting me with the option to select this account, understanding that Chase would take necessary information to ensure that my transfer of {$1100.00} would end up in my XXXX account. If the XXXX savings account that I selected was not considered an ACH account by XXXX, Chases technology should not have allowed me to select it as an account or should have a technology process in place to deal with such scenario. I did not make any errors on your part e.g., typing in an incorrect account number. Further, after not receiving the funds and opening disputes ( see attached ) with Chase, Chase denied my claims and provided me with contact information to receive documentation as required by 12 C.F.R. 1005.9 or 1005.10 ( a ). After me as the consumer requested that documentation, Chase likely committed another violation of the EFTA and Regulation E by not providing documentation for additional information or clarification concerning an electronic funds transfer. 12 C.F.R. 1005.11 ( a ) ( 11 ) ; 12 C.F.R. 1005.11 ( c ) ( 1 ). 

I have requested, and failed to receive, any actual evidence or documents that Chase relied on in making its determination, instead i received attached documentation.
Consumer complaint received 2018-05-22
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. (FL)

To whom it may concern : On XX/XX/XXXX, I discovered that my credit report was filled with inaccurate information. I first noticed that my name was incorrect and the correct spelling of my name is XXXX XXXX, no middle names just XXXX XXXX. 2. I noticed that the address where Ive been living all my life isnt listed and I dont have a clue as to why it isnt listed on my report because Im not familiar with any address listed on this report and the one that should be listed is XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. 3. I noticed several other inaccurate information and I am clueless and o had to wonder was my identity ever used before. I did my investigation and learned that my identity has been compromised in a breach and I also found out that the inaccurate information accounts and inquiries listed on on my report isnt mine. 4. Now I am forced to bring the law because I have never attempted to use my credit to apply for any new accounts nor did I use any information to inquire about anything for credit. So I dont know how this happened. I contacted the companies and creditors on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and I didnt receive any response nor did I receive any contracts showing my signature. Now that I have concluded my investigstion which now I am forced to file a lawsuit against your company because youve allowed my information to get compromised. Now who knows how many people is using my information. I would like for you to do an internal dispute which takes no more than 3 days. I want to dispute all the inaccurate accounts and fraudulent inquiries as fraudulent. I have attached a document in the section below. Please read carefully and follow instructions. Please dont send me any letter stating that the information belongs to me nor the inquiries. All listed information is to be removed permanently and immediately. If you dont want to dish out {$10000.00} for damages and court fees please fix this issue as soon as possible. I will be following up in 72-96 hours.
Consumer complaint received 2024-01-08
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)

On XX/XX/2023, I submitted disputes to the credit bureaus about fraudulent accounts. Till date I still havent received any responses or updates to my credit report. 15 U.S. Code 168c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft, no later than 4 business days after the date of receipt.

These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY. 
, I submitted disputes to the credit bureaus about fraudulent accounts. Till date I still havent received any responses or updates to my credit report. 15 U.S. Code 168c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft, no later than 4 business days after the date of receipt.

These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc. (VA)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under USC 1681. Section 602 states I have the right to privacy and Section 604a prohibits furnishing an account without my written instructions. Under 15 USCS 1666b, a creditor may not treat a payment as late for any purpose. Please immediately remove this inaccurate, unlawful late payment from my credit report.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

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 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am writing to file a formal complaint regarding a concerning and ongoing matter involving XXXXXXXX XXXX The essence of this complaint pertains to the violation of my consumer rights and fair lending practices, as well as the mishandling of a billing dispute, which has had a detrimental impact on my financial well-being. 

On XX/XX/XXXX, I received a notice from XXXXXXXX XXXX, notifying me that my credit card account, ending in XXXX, was past due by {$30.00}. This notification was both shocking and perplexing, as I possess substantial evidence demonstrating the absence of any overdue payment on my part. 

This dispute originated from a billing error resolution case that dates to XX/XX/XXXX. Since then, the situation has escalated, culminating in my case being elevated to the office of the president at XXXXXXXX XXXX. However, despite my concerted efforts to rectify the situation and provide evidence supporting my position, I find myself unfairly targeted. 

In response to this situation, I have not conducted any transactions on my credit card account since XX/XX/XXXX. Subsequently, when I initiated a fraud claim, XXXX XXXX deactivated Card ending XXXX, which was originally associated with the alleged debt. They then proceeded to issue a different card, which I never received. Subsequently, they expedited the delivery of Card Number : XXXX, a card that remains inactivated due to the ongoing dispute. 

My primary contention is that, under the Fair Credit Billing Act ( FCBA ), my rights have been systematically undermined. I initiated a dispute on XX/XX/XXXX, ( Case # : XXXX ), asserting that the entire balance is erroneous and should be disputed. In adherence to the XXXX, XXXXXXXX XXXX was required to provide provisional credits. Regrettably, they did not do so. Instead, they intermittently provided and subsequently removed these credits, which contravenes the requirement stipulated in Section 1026.13 of the XXXX. This section necessitates the completion of the dispute settlement within 90 days, and creditors are prohibited from attempting to collect any disputed amount beyond this period. 

Furthermore, my credit score has been adversely affected due to XXXXXXXX XXXX 's actions, resulting in a drop of 44 points. This stems from their unjust reduction of my credit limit from {$1500.00} to {$300.00} amid a heightened dispute, a measure I deem punitive and in violation of our contract.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ACIMA CREDIT, LLC (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states : " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' PORTFOLIO RECOVERY is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' PORTFOLIO RECOVERY the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, PORTFOLIO RECOVERY whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party - the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code $ 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish an 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. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX  and XXXX  are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services "
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Waypoint Resource Group, LLC (MN)

I rented a house from XXXX to XXXX and received XXXX internet and TV service at my house. I moved out of the house in XX/XX/XXXX. I called XXXX and terminated my service when we moved out. But for some reason, XXXX kept the service at the house for the new tenants. I received a final invoice from XXXX that included two extra months when I was not renting the home. I told XXXX customer service I did not accrue those charges as I already moved out of the house, and I called and told them to cancel the service as of XX/XX/XXXX. In early XXXX, I received an invoice from XXXX for {$400.00}. I called XXXX, refuted the charges, and told them I was not living at the house and had called and canceled my service before moving out. I have refused to pay the charges since I did not accrue them. XXXX then turned the charges over to Waypoint Resource Group sometime in late XXXX or early XXXX. It has since appeared on my credit report as derogatory mark. I have called the Waypoint resource group numerous times to remove these charges from my credit report. I told them I do not owe any amount to Waypoint Resource Group or XXXX. Waypoint Resource Group has refused to remove the derogatory charges from my credit report, which has affected my credit report over the years. Waypoint Resource Group has been renewing the charges on my credit report every year as if the report appears every year. They just renewed the charges as of XXXX of XXXX, even though they initially put them on my credit report in late XXXX or early XXXX. I made a point not to pay these charges all these years because I did not owe the amount to XXXX, nor did I owe this amount to Waypoint Resource Group. I want these charges removed immediately. Thanks for your consideration.
Consumer complaint received 2018-05-22
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: FIFTH THIRD FINANCIAL CORPORATION (OH)

Fith Third Bank has reported an amount that is not mine they are unauthorized charges They marked it PAID in the amount of {$1100.00} but the usage still shows 395 % Please remove the usage to 0 % Because if it is paid it should be at a 0 % if this is not removed or corrected i will exercise my rights to the Ohio Attorney General! I have Identity theft on my credit report i am giving you permission to call me to open my report to prove that i have identity theft for the next 6 years. I should no have to go through thousands of disputes and still not have something removed if this isn't removed i will take this to the next level and have the attorney general make this go news media! Please Remove ALL accounts from my credit report so i do not have to take this to legal action.
Consumer complaint received 2023-09-26
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Westlake Services, LLC (FL)

In XXXXXXXX XXXX XXXXXXXX the company I leased my vehicle from closed down and filed bankruptcy without proper notification of. My vehicle was repossessed on XXXX XXXX, XXXX. Ive been asking for documentation on the repossession and have yet not received anything. They hang up on you they XXXX  you out. Even told me that my mom was a XXXX. And hung up. They are very rude and unprofessional. About a week ago they reported on my credit after they sold the vehicle. I just spoke with Westlake Portfolio Management today to find out they sold the vehicle for {$5400.00} on XX/XX/2023. How are they able to report a vehicle to my credit report that I have a contract with another company. Once American Financial Closed down my vehicle needed a 3rd engine. I replaced that engine and know Im out of a car and {$3000.00}. This is fraud to report something to my credit report after you sold the vehicle. They refused to give me documentation of the repossession. They didnt report the repossession to the local sheriff office or anything. This is fraud and this company needs to be closed down.
Consumer complaint received 2023-12-21
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: EQUIFAX, INC. (CA)

stop contacting me. i did not report identity theft. i reported fraud. i was defrauded by the " creditors '' on that report. they have defaulted on my collateralized loan and will be placed into liquidation to repay my collateral. do not contact me about this matter any more. do not share my credit report with anyone. i am not going to be extending any more credit to these criminal organizations ever again. i will not repay any USD or hold any USD until the collateral is returned and i'm compensated for damages. STOP CONTACTING ME. THIS IS EXTREME HARASSMENT! I HAVE NEVER MADE A SINGLE LATE PAYMENT ON A DEBT IN MY LIFE! LOOK AT THE XXXX REPORT! NOTHING UNTIL AFTER THEY ANNOUNCED THEY ARE BANKRUPT AND LOCKED WITHDRAWALS. XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX for information. XXXX
Consumer complaint received 2024-04-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

XXXX & XXXX garnished my work checks for 4 months. I have not received any correspondence regarding this debt. More importantly the debt is past the State of Michigan limitations. Somehow, XXXX XXXX XXXX allowed/approved XXXX & XXXX and PORTFOLIO RECOVERY ASSOCIATES LLC XXXX There's no proof of them even serving me or notifying me of such debt. They just started collecting money without any notices. 

This is criminal activity. 

Plenty of complaints about both companies all over the internet with illegal practices. 

These companies NEED to be held accountable for their practices.