davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Assistance Account Lockdown with Chase Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to seek assistance regarding an issue I have been facing with my Chase account, and despite my efforts to resolve it directly with Chase, the matter remains unresolved. 

On XXXX I was informed by Chase that they needed to verify the issuer of two checks on my account. However, their system lacks a method to verify the business that issued these checks, resulting in an account lockdown. Despite my willingness to provide a phone number for verification or to visit a branch with the check writer, Chase has been unable to offer a satisfactory solution. I understand the importance of security measures, and I have suggested an alternative approach to verify the identity of the check writer. Specifically, I proposed providing a phone number and allowing Chase to contact the issuer directly to ask pertinent questions to confirm their identity. Given the current situation, the account lockdown has caused significant inconvenience and financial strain on my end. I have diligently cooperated with Chase, but their system limitations hinder progress toward a resolution. I kindly request the Consumer Financial Protection Bureau 's assistance in mediating this matter with Chase. Your intervention to facilitate communication between Chase and me would be greatly appreciated. Thank you for your time and attention to this matter. I look forward to a prompt and positive resolution.
Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL (OH)

I received a letter on XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX, saying a judgement for {$1000.00} is dormant and can not be enforced but in the near future, likely within the next 60 days, his office will file a motion to substitute appearance of councel and a motion to XXXX  judgement. They are claiming the judgement is from is from XX/XX/2016. I sent a verification of debt letter via certified mail on XXXX, the tracking is XXXX XXXX XXXX XXXX XXXX. It says delivered to a XXXX XXXX XXXX XXXX but XXXX  I got the letter returned to me, XXXX.
Consumer complaint received 2024-04-23
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 am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2024-04-23
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. (MI)

Inquiries on my consumer/credit report that I did not authorize pursuant to 15 USC 1681, the Privacy Act of 1974 and 15 US 6802-6805
Consumer complaint received 2023-11-01
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. (LA)

There are plenty of incidences 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I have previously sent a letter directing Bank of America to stop sharing and opt out of them sharing my information with non affiliated XXXX parties. Yet they are still sharing my Private information. I never received a disclosure or an opt out notice. Per 15 USC 6801 - 6805 requirements. I never gave Bank of America permissions to share any of my private and transactional information to any non affiliated third parties! XXXX XXXX XXXX is the company that has my transactional and private information provided by Bank of America. Ive been denied access to a new bank account because of your willful ignorance, lack of care and communication. XXXX XXXX XXXX is NOT. an affiliate of Bank of America. Federal non-affiliated definition is companies not related by common ownership or control. They can be financially not financial companies. According to your privacy notice you dont share with companies such as XXXX. They are non-affiliate to your company. This is a direct violation of my right to privacy, Violation of private policy and the terms and conditions. So unless youd rather settle this matter in court while I seek actual damages Id suggest you remove my information immediately and pay to my account {$1000.00} per violation of every MONTH you have shared my transactions and private non-public information! This complaint is my official invoice to you. 
The total of monthly reporting transactions as of : XX/XX/2023 is XXXX. 
XXXX monthly reportings is a total of {$33000.00}. 
The balance can be sent immediately via wire to Routing : XXXX Account : XXXX If you choose to willfully ignore my requests again this is my official notice of my intent to sue and I will seek damages for every single time you have violated and reported my information to this company up until now.
Consumer complaint received 2023-09-01
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)

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-24
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. (VA)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-09-01
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)

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 

.ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CA)

I have a Citi Best Buy Credit Card that allows me to pay off any purchases {$490.00} and above within 6months without incurring any interest charges which they call it as promotional balances. Our regular day to day purchases below {$490.00} comes under non-promotional balances and needs to be paid before the due date to avoid interest charges. 

I had {$3800.00} in promotional balances and around {$1200.00} in non-promotional balances. 
I made a payment for {$1300.00} to pay off the {$1200.00} non-promotional balance but Citi Best Buy Credit Card moved that {$1300.00} payment to pay off my promotional balance of around {$3800.00}. Because of i am still left with that {$1200.00} non-promotional balance to be paid off or else i will incur interest charges. 
I still have around 2 months to pay off a part of that {$3800.00} amount which the Citi Best Buy credit card customer support mentioned is expiring in 2 months. The remaining promotional balance from {$3800.00} is expiring in later months so clearly i have some time to pay off the promotional balances. 

Although because they moved my {$1300.00} to promotional balances i may incur interest charges on my non-promotional balance that i expected to pay off from the {$1300.00} payment. Citi BestBuy CC intentionally wants me to pay off the promotional balance first that is expiring in 2 months and then payoff the non-promotional so that i can be wrongly charges interest on the non-promotional balance which is definitely against their offer of paying promotional balances within 6months.
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

I am currently a operating member of a XXXX  listed as personal guarantor for a Bank of America XXXX loan. The loan is listed as a personal joint loan on my personal credit file. I contacted BofA twice and they tell me that everything appears to be in order with my loan and that I must dispute with the credit agencies. The credit agencies ( all XXXX ) tell me the listing on my report is correct and that I need to work with BofA to rectify. I am not sure who should own this but its affecting my personal credit standing due to this XXXX loan.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

You have indicated that there was a reported late payment on my Bank of America card for one month. I would like to clarify that this information is inaccurate and appears to be a mistake. I am diligent about managing my financial obligations and consistently make timely payments. I did not receive any notifications regarding a past due or late payment, whether through email or regular mail. It's important to note that I have a history of promptly settling my bills, and the account in question has already been paid in full.
Consumer complaint received 2023-09-01
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-08-07
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. (FL)

Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Uplift, Inc (IL)

I received a notification from XXXX XXXX XXXX stating that I owed a debt for a service I allegedly used from a company name UPLIFT. I requested the details of what this alleged debt was for and they refused to provide any information. I never received any notifications by mail or phone from UPLIFT notifying me of a debt. I reported this as fraud to both the collection agency and the original debtor. NEITHER companies would provide me with any information regarding the supposed debt. I verified my identity to both XXXX XXXX XXXX and UPLIFT and was read back an email address that it not associated with me or anyone I know. I again reported this as fraud and have yet to receive any notifications. I disputed this with the XXXX and XXXX and the result of the dispute was a removal of the debt from my credit report by XXXX. 

https : //www.uplift.comXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-04-15
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. (FL)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission.

According to 15 USC 1681 I have the right to privacy.

According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
I can go on and on The credit bureaus have no respect for the laws. 
Someone needs to hold them accountable for this.
Consumer complaint received 2023-12-21
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-28
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. (SC)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX  XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : - XXXX Balance : - XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-09-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: LoanCare, LLC (NY)

In XX/XX/XXXX we were offered general terms of a Mortgage Modification from LoanCare with a new monthly payment. We accepted these terms, and as instructed started making this payment on XX/XX/XXXX and have continued to pay monthly as instructed. The record of these payments is noted in our payment history. 

XXXX became our loan servicer effective XX/XX/XXXX. XXXX is saying they never received the paperwork from LoanCare ; LoanCare is saying they sent everything in XX/XX/XXXX. 

Our loan in now being reported as delinquent. It is not yet our credit scores have decreased over XXXX points due to their combined incompetence.
Consumer complaint received 2024-04-23
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)

My name XXXX XXXX XXXX disputing the this account I ask it to be deleted now I never opened this account my identity was stolen 15 U.S. Code 1681c-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 resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

Law 15 U.S.C. 1681-1681x 1029. Fraudulent Presentment and Related Unauthorized Credit Card Transactions Made by Access Device18 U.S.C. 1029 ( a ) ( 7 ) 15 U.S. Code 1681c1 - Identity theft prevention ; fraud alerts and XXXX XXXX alerts ACCOUNT NAME : XXXX XXXX XXXX details Paid off - Balance - Balance updated - Original balance {$240.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/2023 Account type Sales Contract Payment summary XXXX  XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - PAYMENT HISTORY LEGEND Status Paid in settlement/Never late. 
Status updated XX/XX/2023 Original balance $ XXXX  Monthly payment - Last payment date XX/XX/2023 Additional info XXXX XXXX XXXX 24 Months XXXX sold - Original creditor - Comments Account paid in full for less than full balance Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

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.