davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (MI)

This issue concerns a XXXX XXXX XXXX credit card issued by JPMorganChase bank. At the outset, I want to note that my wife and I have a long history with the bank where we have a checking account, four savings accounts, an investment account, and two other credit cards issued by JPMorganChase. Information concerning all of these accounts is available to me and my wife, individually, via our individual logins to the bank 's online portal. We use the portal for making deposits, making payments, fund transfers, monitoring accounts, and so forth. 

When we applied for the card, I submitted the application and included my wife as an " Authorized User. '' After receiving the card and checking the online portal, we discovered that information concerning the XXXX XXXX card was visible to me via my access to the online portal, but not visible to my wife via her access to the portal. This is consequential because she handles most of our family bookkeeping, including monitoring and paying credit card bills. 

After discovering this discrepancy, I contacted JPMorganChase and eventually ( after being routed through a couple of agents, a supervisor, and someone in their tech support ) I learned that -- unbeknownst to me -- when I applied for and received the card : 1 ) the bank classified me as a " primary '' card holder ; 2 ) because my wife is not a " primary '' card holder, she can not have her own access to the online portal for that card to monitor transactions, make payments, etc. ; 3 ) wife can not be added as a second " primary '' card holder ; and 4 ) the only way my wife can gain access to the online portal for the card is for me to share my login information ( and because I use dual-factor authentication when I log in, that as well ).
Consumer complaint received 2023-08-31
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. (NY)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXN XXXX
Consumer complaint received 2024-03-09
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (MS)

Credit Acceptance only helped once when my transmission went out. My transmission went out twice and they still said they couldnt help. They picked my vehicle up the end of XXXX and sold it in XXXX at the auction. They said I still have a remaining balance after they sold the used vehicle. It was a 2009 XXXX XXXX XXXX.
Consumer complaint received 2023-12-26
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. (FL)

Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal Per 15 usc 6802 Consumer reporting agencies Equifax, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent per usc 1681 I have disputed, called and requested removal of inquires that i didn't give authorization to A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Never was i informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C IT is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. Code 1681e
Consumer complaint received 2024-05-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlanticus Services Corporation (MD)

I have sent this company a cease and desist. This company has refused to adhere to the federal guidelines by ignoring my request in my attempts to resolve this matter. The company has also been found to impose as a collection agency, when it is listed that this company is not legally blinded and or insured to collect in the state of Maryland. Please have this company cease all collection activities. this is my last attempt to complain outside of court.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The following XXXX unauthorized inquiries appeared on my credit report. 
-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 The following 1 unauthorized application was submitted to the vendor listed below although nothing was listed on my credit report -XXXX XXXX XXXXXX/XX/2023
Consumer complaint received 2023-11-08
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. (FL)

I had a convenience card from XXXX and XXXX for my son as simply an authorized user while he was in college. The account belonged to me and I was the only signature on the contract. He is seeing both these cards on his credit report currently and they are dragging down his credit score. He has zero responsibility for the balances, I do personally and singularly. He has called both XXXX and XXXX repeatedly and they have done nothing to reconcile his credit with the credit bureaus. Thank you
Consumer complaint received 2024-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (FL)

MOHELA 's portal shows that my XX/XX/2023 payment period is ineligible for PSLF because " Deferment or forbearance exists this period. '' However, the deferment and forbearance during this period was eligible for PSLF credits per Department of Education guidance due to MOHELA 's own billing issues.
Consumer complaint received 2023-08-31
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. (CA)

LITIGATION I have not been supplied proof per doctrine of estoppel by silence. Engelhardt V. Gravens ( mo ) 281 SW 715,719. I presume no evidence of the Alleged Debt therefore exists
Consumer complaint received 2023-10-29
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. (MI)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 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 ( CHAPTER 7 BANKRUPTCY ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

Duplicate inquiry from XXXX from Bank of America still is not removed as of XX/XX/. They said they would remove it within 90 days. Please remove it from my credit report per the attached letter you sent me.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

This is my XXXX endeavor to tell you 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, block 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-08
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)

After going back and forth this entire year with Equifax since reviewing my credit report earlier this year and finding fraudulent accounts opened under my name that I had no knowledge of.. 

I have mailed in the documents requested from me and have not seen the corrections that need to be made on my credit report. I spoke with many customer service representatives of Equifax and made disputes over the phone. 

I was told to also write a dispute letter and send them certified mail to their headquarters where it can reach their dispute department. 

Being told that after their investigation is complete I would receive an update with the corrections made, yet nothing was done to fix their mistakes. Equifax is misinformed with the " verified '' information regarding the accounts I have disputed with them. Even after asking for the physical validation proof that the debt they claim is mine, they continue to neglect their duty to adhere to the FCRA and do not make the corrections to fix their mistakes! 

The following accounts listed below are unverifiable, inaccurate, misleading, and unlawful to report by Equifax and MUST BE DELETED IMMEDIETELY : XXXX XXXX - XXXX XXXX  XXXX XXXX, XXXX {$2700.00} XXXX XXXX XXXX XXXX, XXXX {$3900.00} XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX {$2100.00} XXXX XXXXXXXX XXXX XX/XX/XXXX {$15000.00} XXXX XXXXXXXX XXXX XX/XX/XXXX {$35000.00} XXXX XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX XXXX XX/XX/XXXX {$33000.00} XXXX XXXX XXXX XX/XX/XXXX {$14000.00}
Consumer complaint received 2023-12-29
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: EQUIFAX, INC. (FL)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following accounts to be deleted from my file right away 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 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

I am writing to express my concern regarding an ongoing issue with XXXX not reporting my credit card activities to the credit bureaus. Despite my repeated attempts to resolve this matter over the past year, the problem persists, causing me significant inconvenience. 

I have contacted XXXX multiple times to address this issue. Each interaction has directed me alternately between calling customer service and visiting a branch, with each channel redirecting me back to the other. This runaround culminated in an instruction to send a detailed snail mail to their disputes center, which included copies of all XXXX  of my credit reports, my account information, and a signed letter detailing the issue. 

I was assured weeks later that the issue had been resolved. However, upon checking my reports, I discovered that the correction had not been made. This ongoing issue has been a source of considerable frustration for me and I am seeking a definitive resolution.
Consumer complaint received 2023-12-29
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: EQUIFAX, INC. (PA)

I am writing to bring attention to a matter that has been unresolved since my initial contact via mail and subsequent complaints filed with the Consumer Financial Protection Bureau ( CFPB ). Unfortunately, despite the passage of several months, I have not received the anticipated resolution from your department concerning the misleading and inaccurate entries on my credit report. 

***See letter about the details of the disputed information. ***
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

My information was sold and bought illegally because i was a victim of the Equifax Data Breach.I want these items Deleted from my credit reports effectively immediately.I am attaching proof that Equifax has admitted that i was a victim of this Data Breach and Equifax has done nothing.Please help me Delete these illegal accounts from my Credit Reports. 
XXXX XXXX  ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXX  ACCT # XXXX I ALSO WANT ALL HARD INQUIRIES DELETED FROM ALL XXXX CREDIT REPORTS BUREAU 'S MADE FROM YEAR XXXX TO XX/XX/XXXX IMMEDIATELLY DELETED.15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.
Consumer complaint received 2024-04-20
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. (SC)

XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, South Carolina, XXXX ( XXXX ) XXXX XXXX XXXX Subject : Demand for Immediate Deletion of Collections from Credit Report Pursuant to FCRA and Consumer Law To Whom It May Concern, I ( XXXX XXXX ) is writing to demand the immediate deletion of any collections entries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically consumer law 15 U.S.C. section 602 ( a ) and 15 U.S.C. 1681 section 604 ( a ) section 2. Upon reviewing my credit report, I have identified collections entries that are inaccurately reported and must be removed promptly to avoid legal actions.

I demand the following collections entries to be deleted : XXXX. XXXX XXXX XXXX Acct. : XXXX Opened : XXXX XXXX, XXXX XXXX XXXX Acct XXXX : XXXX Opened : XX/XX/XXXX XXXX. XXXX XXXX Acct. : XXXX Opened : XX/XX/XXXX I assert that these collections entries are inaccurate and violate my rights under the FCRA and relevant consumer protection laws for the following reasons : Violation of FCRA and Consumer Law : The FCRA and consumer protection laws explicitly prohibit the reporting of inaccurate or incomplete information by consumer reporting agencies. The inclusion of these inaccurate collections entries on my credit report constitutes a violation of these laws.

Immediate Deletion Requirement : Pursuant to FCRA and relevant consumer protection statutes, I demand the immediate deletion of these inaccurate collections entries from my credit report unless the creditors wish to face penalties of up {$1000.00} for each violation. Failure to comply with this demand will result in legal action to enforce my rights under the law.

3. Preparedness for Litigation : I am fully prepared to pursue litigation against the creditors and any consumer reporting agencies that continue to report these inaccurate collections entries on my credit report. I have documented evidence to support my claim and will not hesitate to take legal action to rectify this matter.

I demand that you take immediate action to delete the inaccurate collections entries from my credit report and provide me with written confirmation of their removal within 10-15 days of the receipt of this letter.

Thank you for your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

Sincerely, XXXX XXXX. XXXX
Consumer complaint received 2023-06-27
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (MA)

someone was trying to open a savings and checking account at TD BANK ON XX/XX/XXXX XXXX i received a letter in the mail from td bank. i went to that bank. and they told me it was done on line. they also told me they have my ssn and date of birth. they try to used my old address i had 20 years ago and my address i live at now
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Ive been trying to have XXXX XXXX XXXX  update and correct report and DELETE late payments.I even submitted a complaint through cfpb my contract with XXXX  lenders began XXXX XXXX but I have false payments and transactions reporting on my credit reports dating back from XXXX XXXX. Pursuant to FCRA F section 1681s-2 ( a ) you must delete any incorrect information being reported on my report. I have included a photo of my contract with XXXX XXXX XXXX as evidence of this inaccurate report.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

FOLLOW UP/REINVESTIGATION. THESE NEGATIVE ACCOUNTS ARE DAMAGING MY CREDITWORTHINESS On XX/XX/XXXX I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
On XX/XX/XXXX I wrote to you requesting an investigation into items that I believed were fraud, In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2023-12-29
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: EQUIFAX, INC. (IL)

I am writing to address an ongoing issue regarding inaccurate and misleading information on my credit report, despite my previous dispute letter sent to your company. I have recently reviewed an updated copy of my credit report and regretfully discovered that certain information remains unresolved and continues to be incorrectly reported. The consequences of your company 's non-compliance with relevant laws have had severe negative impacts on both my credit standing and reputation.