davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (NY)

I have a checking account in JPMorgan Chase. On XX/XX/XXXX I sent a check to my landlord for {$1000.00} for that month 's rent. The check was cashed on XX/XX/XXXX. When I saw on my chase on- line account that my check was cashed as far as I knew my landlord had received the check. The transaction was authorized by a JPMorgan Chase Bank. Due to various differences of payment allocation between myself and my landlord, I was unaware of what really occurred in regard to this transaction until many months later.

What apparently happened was that JPMorgan Chase accepted the check for {$1000.00} even though it was not endorsed. For various reasons which are beyond the scope of this complaint, I only found out from my landlord onXX/XX/XXXX, that my landlord claimed to have never received the check that I sent on XX/XX/XXXX. I told my landlord that the check was cashed but when they asked for a copy of the front and back of the check we discovered that it was not endorsed. 
When I called JPMorgan Chase to see if they can help me find out which bank made the mistake of accepting an unendorsed check and to see if they can help me reclaim it they said they would investigate the matter. They reported back to me after the investigation that the check was either cashed or deposited in a JPMorgan Chase account. The bank representative told me that they know who cashed or deposited the check and that it was a Chase customer. However, since it was beyond the time frame of 6 Months as a bank they are not able to give the information and were also not able to reimburse the money to me.

When I spoke with another JPMorgan Chase representative about the fact that as a bank they are a responsible party for accepting a check that was unendorsed, he reported different information to me. Specifically, his response to me was that my claim was submitted exactly one day past the 365 days they have for such claims. The date for the filing of my claim according to JPMorgan Chase was XX/XX/XXXX. This is the date they use on the denial they sent me. However, they fail to give the reference number of my claim. According to my records I had a number for the claim prior to XX/XX/XXXX. 
Either way JPMorgan has accepted an unendorsed check. They also have the information of the thief. They are refusing to take responsibility for this very basic error on their part, and they are also effectively collaborating with another client of theirs which according to their own admission is a thief.
Consumer complaint received 2023-05-26
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: EQUIFAX, INC. (FL)

I submitted a letter to the XXXX Credit Bureaus to fix these erroneous 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-10
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. (MI)

Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.
Consumer complaint received 2024-04-05
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. (SC)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CT)

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-14
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: Experian Information Solutions Inc. (TX)

I am submitting a complaint to you once more to inform you again that I was the victim of identity theft. I have already filed a complaint at https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of inquiries which do not belong to me or were opened without my permission : EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-10-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TapTap Send Inc. (VA)

I sent money using taptap send XXXX XXXX, And My money has never been sent yet. Normally a minute or hours the money will be sent to my relatives. But now it took 4 days and still there. I contacted them through XXXX XXXX and I called them too and the answer still the same. I tried to cancel the transaction and they said I cant and they cant cancel the transaction. The amount i sent is {$160.00}
Consumer complaint received 2020-08-21
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)

I HAVE REVIEWED MY CREDIT REPORTS AND I HAVE DISCOVERED THAT SOME UNUSUAL ACTIVITY HAS BEEN TAKEN PLACE THAT I WAS VERY UNAWARE OF. THE ACCOUNTS AND INQUIRIES LISTED ON THE ATTACHED IDENTITY THEFT REPORT, DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME. I AM REQUESTING AN INVESTIGATION INTO THIS MATTER AND ALSO A TIMELY REMOVAL OF THE FRAUDULENT ACCOUNTS AND INQUIRIES OFF MY OF MY CREDIT FILE.
Consumer complaint received 2023-09-28
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have requested for sign agreement for both the apartment lease and the installment loan and have recieved no reply since 3month and they have fail to provide any other agreement sign by me and refused to remove it from my report
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (AZ)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Santander Consumer USA XXXX XXXX XXXX XXXX XXXX, AZ 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 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. Furthermore, I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens 281 SW 715,719, I presume that no proof of the all debt, nor therefore any such debt, in fact there exists
Consumer complaint received 2023-10-14
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Westlake Services, LLC (VA)

On XX/XX/ my vehicle was repossessed but I had already moved my late payments.after contacting them I was told an amount to pay I called XX/XX/ and my vehicle was gone, was told it was sent to auction to be sold.
Consumer complaint received 2024-05-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

I have concrete evidence to prove that a few of these debits that occurred between XXXX to present are the result of someone stealing my Identity. This evidence includes documentation by government agencies showing where I lived during those years, witness statements, and other pertinent information that clearly demonstrates I was a victim of identity theft. 
Furthermore, I can attest that I was never served by any plaintiff or officer with a court date related to a few of those case 's. I had no knowledge of the legal proceedings taking place against me, and therefore, was deprived of the opportunity to defend myself in court. I have only ever lived at the below addresses : XXXX : my fianc and I live at XXXX XXXX XXXX XXXX XXXX XXXX XXXX : living with my older sister at XXXX XXXX XXXX XXXX Ca XXXX : XXXX. Homeless Shelter/Halfway house XXXX : Homeless XXXX : i lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX lived on XXXX XXXX just off of XXXX XXXX XXXX i lived on XXXX XXXX just off of XXXX and XXXX XXXX : I was serving in the XXXX, my duty stations were- XXXX XXXX XXXX  XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

This is my 11th 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, MO XXXX XX/XX/XXXXXX/XX/XXXX XXXX, XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX Balance : {$440.00} XX/XX/XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXXXX/XX/XXXXXXXX XXXX : {$10.00} XX/XX/XXXX Balance : {$0.00} XX/XX/XXXXXXXX Balance : {$0.00}XX/XX/XXXX XXXX Balance XXXX {$27000.00} XX/XX/XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX, MO XXXXXX/XX/XXXX Balance : {$440.00} XX/XX/XXXX Balance : {$0.00} XX/XX/XXXXXXXXX Balance XXXX {$0.00} XX/XX/
Consumer complaint received 2023-10-14
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. (NY)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX Balance : {$280.00} DPT EDXXXX XXXX Balance : {$1500.00} DPT ED/XXXX XXXX Balance : {$2200.00} DPT ED/XXXX XXXX Balance : {$1500.00} DPT ED/XXXX XXXX Balance : {$2200.00}
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

In accordance with the fair credit Reporting act XXXX  # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2024-07-09
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (CO)

I had a statement balance of {$1300.00} on the statement that closed XX/XX/XXXX. The minimum payment due date was XX/XX/XXXX. By that date, I had satisfied the entire statement balance except for {$530.00}. I paid that amount on XX/XX/XXXX. This was XXXX day after the minimum payment was due, but two days before the end of the statement cycle of XX/XX/XXXX. 

I was charged {$34.00} in interest. For {$530.00}. For one day. When they still received their money before the close of the financial period. 

When I called in to ask why, I was first told that I hadn't paid off my entire statement balance. When I informed the rep that was incorrect, she then came back and said that my payment on XX/XX/XXXX was late ( she had the payment date wrong ). I always thought the due date was for the minimum payment and that I had until the end of the statement period to pay the statement balance. This is one of the reasons why I asked for the terms and conditions.

She also gave me two different answers when I asked what the amount is that I am being charged interest on. First I was told {$1800.00}. This amount corresponds to my current purchases from my last statement, which aren't even due until XX/XX/XXXX. I asked why I would getting charged interest on my current purchases. Then she said I'm being charged on {$1300.00}. This corresponds to my entire previous balance, despite the fact that over {$800.00} of that had already been satisfied. I asked her to clarify that she was saying that it is legal for them to charge me interest for money paid to them that they had already physically received. She said that is how the interest is calculated. This is the other reason why I asked for the terms and conditions. Then later I looked at my statement in further detail, and it turns out the amount they ACTUALLY charged interest on was {$1400.00}. Where did that number come from? The rep I was talking to clearly had no idea when she was giving me her answers because she came up with XXXX and neither of them were right according to this paperwork. 

They won't email me the terms and conditions so that I could have the rep help me find the section that authorizes them to do these things. I have to wait to get them in the mail. It seems totally wrong that they are able to charge me {$34.00} for not having paid them {$530.00} for XXXX day. It seems extremely shady that the rep couldn't find the amount I was charged the interest on, and that no one at Chase is able to directly point me to where this is authorized. I asked to speak with the person at Chase who can, and I was literally told no one there is able to do that. I was told the terms and conditions are my personal information, which they are not. They were produced by Chase and someone there should be able to navigate them when a customer asks.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Experian is showing that I owe {$480000.00} dollars in student loans. I do not ; I owe {$240000.00}. My loans were sold from XXXX XXXX to XXXX. I have disputed this issue three times. They will only update the dates, and keep the loan servicer the same. They are preventing me from getting a home loan. 
My next step is to sue them if they will not do their job. They updated the date they still need to remove the loans as transferred to XXXX. I have attached a copy of the receipt that shows I do not own XXXX. They must be held accountable for preventing my XXXX from living in a home. I can't believe they would deliberately not do their jobs and are purposely keeping us out of a home. I can't believe it, I am doing everything to ensure that my credit is correct, and some person is keeping us from home ownership. 

I am starting to feel like they are discriminating against me on purpose. Why wouldn't they aim to publish accurate information? SMH Please fine them.
Consumer complaint received 2023-03-29
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: EQUIFAX, 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 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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 2023-11-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Can you please delete the follow late payments on the following accounts XXXX XXXX XXXX Account XXXX as this late payment was in error. 

BANK OF AMERICA with late payments in XXXX & XX/XX/2018 as this account was closed. 

DEPT OF EDUCATIONXXXX XXXX XXXX payment in XXXX of 2018 as this account was deferred and late payment should not have been charged.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (MI)

SYNCB/AMAZON PLCC XXXX XXXX I received an alert from XXXX XXXX about an hard inquiry on my Credit Report. I went to view the inquiry and it showed up as SYNCB/AMAZON PLCC XXXX XXXX, I have no knowledge of this account. For the past several months I have been paying off all debts in efforts to increase my credit score. I disputed with XXXX XX/XX/2023 and that same day my dispute was closed saying information was accurate and will remain on report. The Results Of Our Reinvestigation >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE XXXX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/2023 CR SYNCB/AMAZON PLCC XXXX I then called SYNCB/AMAZON and they have XXXX record of an account or this information on my Credit Report. And suggested that XXXX provide me with information on how they did their investigation. 

This is not my inquiry and I need help in getting it removed.