davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (TX)

I was effected by a natural disaster in XXXX of XXXX  and byXXXX XXXX on XX/XX/year> I currently reside I XXXX, TX. I contacted Chase and asked for help with my account due to the natural disasters. I have two credit card accounts with one is an Amazon XXXX XXXX and the other is a Sapphire Visa card. After talking with the representative they told me that no payment was due on both accounts for the next billing cycles this was in XXXX when I made the initial call. After getting back into my home due to the tornado damage XXXX XXXX happened. I called once again to ask for natural disaster relief for both accounts and they once again helped with delaying my payments, this time until XXXX. In XXXX I began to receive calls and emails telling me that my account was late, I explained that there was no payment due until XXXX and there must be a mistake. The rep said the dept. that I need to speak with is closed and all she could due was to waive the late fee and she did this was on XXXX XXXX. I called back on Wednesday XXXX and spoke to the collections dept and various other depts. I also made a payment on my Amazon card. I was talking with them for XXXX minutes. The last person was ID XXXX XXXXXXXX he told me I see that you called and the employee did not fully submit the request and this is not a problem give me 2 days and it will be fixed. Chase called me and informed me that the 30 day late will stand and even tough they did not complete the process of sending the information to the correct department they are reporting me late.
Consumer complaint received 2023-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (MI)

I was planning on purchasing homeowners insurance but was told by several neighbors that they were over- insuring me. I had already set up a automatic debit with the homeowners ins. Company and when they raised the coverage after I had requested less-i canceled the policy. I called chime and spoke directly with a representative informing them of my situation and could they please cancel the automated debit I had set up. They said they couldn't cancel the debit and then held my funds until XX/XX/23 ( which was supposed to be the date of the debit ). Since the insurance company didn't debit the funds, it is still available- to my knowledge because the account is closed now and I have no access to transaction information. I am on XXXX, I get {$910.00} XXXX. and I have had no money this month whatsoever because come will not disburse my funds
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am writing to formally dispute inaccurate information on my credit report as provided by TransUnion. On XX/XX/XXXX, I contacted TransUnion about the following incorrect information on my credit report, and to this date, they have not responded. Below are the details of the inaccurate information and the required corrections : The following account was never late : Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00} Issue : Please correct/update this inaccurate information on my credit report. 

The following account is not mine : Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$20000.00} Issue : Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1200.00} Original Creditor : XXXXXXXX XXXX XXXX Issue : Please remove it from my credit report.
Consumer complaint received 2023-07-07
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. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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.
Consumer complaint received 2023-07-10
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX XXXX XXXX is collecting a debt for the original creditor XXXX. I will be filing a complaint against XXXX as well. XXXX has sent a debt into collection that I do not owe for equipment they said was never returned. The equipment was indeed returned and some equipment was never sent. I used my own phones that was paid for. I have asked XXXX for the tracking numbers to help with my dispute and they refuse to give me that information. So Im being charged for items I do not have. Not only was the equipment I did received returned, XXXX refunded me multiple credits for my inconvenience and provided me my account number to transfer my service. My new service provided even offered to pay XXXX for me to transfer. I talked to someone from XXXX a week ago and they said they could remove up to {$2000.00} from my account then transferred me over to another department giving me the run around. XXXX XXXX  failed multiple times in investigating this dispute nor did they contact me before placing this account in collections. They failed to provided me with the letter they sent nor did I receive a letter. It has been over 30 days since Ive ask for the information. I did not sign a contract with XXXX XXXX XXXX. They are illegally trying to collect money from that I do not owe.
Consumer complaint received 2024-03-14
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. (FL)

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.

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 2024-04-07
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. (GA)

When XXXX XXXX XXXX  account XXXX XXXX XXXX XXXX opened XX/XX/XXXX and credit limit {$1800.00} was correct for all 3 Credit Bureaus. But they closed my XXXX XXXX XXXX  ( XXXX XXXX XXXX ) date was incorrected for all Credit Bureaus. 

XXXX account closed : XX/XX/XXXX. 
XXXX  account closed : XX/XX/XXXX. 
XXXX account closed : XX/XX/XXXX.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX  closed my credit card and charge it off on they behalf as i read on the irs website that if a company charge off it is consider my debt as paid and full because the company have written it off
Consumer complaint received 2023-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (IL)

It was fraudulent XXXX transactions and a personal loan that has been cleared. The XXXX transactions have been appealed twice. Everything done was through Citibank. This started on XX/XX/23 with a phone call from CITIBANKONLINE ( XXXX ) saying my debit card was compromised at a XXXX gas station. They explained to me when I purchased gas and how much. From there someone tried to use my card down in XXXX XXXX, Florida at an Office Depot for {$2500.00}. Citibank told me they would be sending me a new debit card the next day. They said they would call me the next day which was XX/XX/23. That day I was told someone opened a personal loan account for XXXX and it was in my account and had to be removed. They used me to XXXX money to different accounts and took all money out of my checking account. On Friday XX/XX/23 my checking account balance was {$13000.00}. It was dissolved down to XXXX XXXX Everything done was through Citibank. They cleared the XXXX XXXX loan but the XXXX transactions have been denied. I have all the reference XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-31
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: Experian Information Solutions Inc. (TX)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-07
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. (TX)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of alleged debt, nor therefore any such debt, in fact therefore exist I've contacted these companies several times still nothing no response just continue to violate my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-07
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)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2023-10-24
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. (TX)

You are reporting inaccurate accounts on my credit report!! You must remove all of these accounts as soon as possible. This is not mine!! IM WORKING DAY AND NIGHT JUST TO HAVE THIS?? THIS IS UNACCEPTABLE!!
Consumer complaint received 2024-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (FL)

A few days ago I sent money to a guy in order to purchase a gaming account. The guy scammed me for XXXX and never returned the money. I contacted my bank in hopes to get my money back through a claim but I was denied even though I have proof. I resubmitted the claim and now Im getting silence
Consumer complaint received 2023-10-24
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. (NC)

In accordance with the FCRA XXXX XXXX XXXX has violated my rights.

Under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604a section 2 states that a CRA can not furnish an account without my written instruction.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-ended credit plan as late for any purpose.
Consumer complaint received 2016-04-04
Product: Credit card — 
Issue: Sale of account — 
Company: CITIBANK, N.A. (NM)

I had a XXXX membership and a XXXX XXXX XXXX card. When I learned one year ago that XXXX would discontinue this relationship, I called XXXX XXXX to tell them I did not want my card transferred to another company without my permission. I was assured it would be my choice. My XXXX membership ended within the past year. I cancelled my XXXX XXXX card over one month ago. XXXX XXXX let customers know that they would be getting Citi cards only a couple months ago. I then called Citi and was told there was nothing they could do at this time. Today, I received a note that I would be issued a Citi card even though I have expressed to XXXX, XXXX XXXX and Citi that I DO NOT WANT A CARD FROM CITI. I called the phone number and was told that I WOULD be getting a new card and had no say in the matter as " This was all put together a year ago and we do n't have any access to your information until the deal goes through on XXXX/XXXX/16. So we have no access. '' I said, " But it says my new card will arrive in XX/XX/XXXX, so you must have access, and I demand that you close that account. '' I was told that Citi could not help me. 

This is absolutely aggregious, because, not only did I not request the card, I requested of all parties that I not be issued a new card. All parties above insist there is nothing they can do. What will occur is that I will get a card and have to immediately close it, and likely it will negatively affect my credit, showing as a short term account and decreasing my length of credit account marks on my credit, especially since I had already closed my XXXX in the same year. Since I am not a XXXX member, the CITI card has no use to me. 

How this could be legal confounds me. I believe this should be highly ILLEGAL. I also believe it is fraudulent with the way customers have been dealt with over the past year. Customers and their private information should not be traded between banks without their say so. 

I have attached the letter received today. At the bottom, it says that to get a card you must have an open XXXX account. However, the woman on the phone, who did not give her name, told me I would receive one no matter what. She was extremely rude and seemed to enjoy denying my request. 

Please note that your form requests the credit card number. They have not issued the credit card or account number at this time.
Consumer complaint received 2024-04-03
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Prodigy Finance Servicing, LLC (MN)

My school physically prevented me from completing credits for courses I was passing. The did not refund al XXXX tuition money after. I also have not since gottem a job through this degree program. I feel ripped off. Can you please eliminate the remaining XXXX XXXX in debt? This is highway robbery. Thanks
Consumer complaint received 2023-10-24
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)

You are reporting inaccurate accounts on my credit report!! You must remove all of these accounts as soon as possible. This is not mine!! IM WORKING DAY AND NIGHT JUST TO HAVE THIS?? THIS IS UNACCEPTABLE!!
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-24
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 XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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 2023-10-24
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)

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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 2023-10-24
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)

There are multiple instances of noncompliance with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I refute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report.

15 U.S.C. Section 1681e states that " a consumer reporting agency shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates whenever it prepares a consumer report. '' According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

Summary of Accounts being Challenged in list form : XXXX XXXX Late Payment {$0.00} XXXX XXXX Late Payment {$10000.00} XXXX XXXX XXXX Late Payment {$9900.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Late Payment {$9900.00} XXXXXXXX XXXXXXXX Charge-off {$0.00} XXXX XXXXXXXX Charge-off {$5600.00}