davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (AR)

Chase Bank closed my accounts when I have done NOTHING wrong! I am a XXXX student, evident by my scholarship refunds I receive every semester into my CHASE CHECKING ACCOUNT! What reason would you all have to abruptly close my account and then not disclose why? I am in school with restricted income and you all closed my accounts with my money in it! Now what am I supposed to do? I have bills to pay! Nothing illegal was done with my account! I barely spend over {$100.00} on anything other than bills. I dont have random large amounts of cash depositing into my account, I dont send or receive large wire transfers, or anything of the sort! I spend my money on bills and fast food! I had XXXX checking accounts with you all and Ive been a customer for years! This is ridiculous!
Consumer complaint received 2024-04-08
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)

Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 


Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX - The following personal information is incorrect - personal information is inaccurate please delete immediately. 

Incorrect Address - XXXX XXXX XXXXXXXX XXXX XXXX, NJ, XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about - This account are inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 


Please update my credit file to reflect the proper spelling and data as I have indicated above. Please also remove the old inaccurate addresses. I do not want to be mistaken for someone else because of these errors that you are reporting Incorrect Address - XXXX XXXX XXXX, XXXX NJ, XXXX - The following personal information is incorrect - personal information is inaccurate please delete immediately. 

Incorrect Address - XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL, XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about - This account are inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 


Please update my credit file to reflect the proper spelling and data as I have indicated above. Please also remove the old inaccurate addresses. I do not want to be mistaken for someone else because of these errors that you are reporting Trans Union, XXXX, and XXXX have 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 an 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 or 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 data is inaccurate.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

chk system keeps XXXX XXXX was paid XXXX XXXX XXXX XXXX XXXX XXXX tx, the XXXX  informed muli times this acct was claer, and they have yet to tk care of this cfpb should fine them for not correcting thier errors XXXX  has rpt to chk systems this is paid
Consumer complaint received 2023-10-11
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: TRUIST FINANCIAL CORPORATION (NY)

I am very concerned because my credit reports are showing discrepancies. I am a very concerned consumer and want only true information about me reporting. Please remove this inaccuatate information as you are in violation. According to the 15 USC 1681 there should be any damages on my credit report
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AL)

Someone is stealing my identity and opening accounts in my name without my knowledge or authorization. I received a letter from XXXX XXXX stating that I applied for credit with them. I did not apply for credit with them. Someone did so without my knowledge and authorization. The letter states that I have account delinquencies, public record and/or collection accounts, that I have too many accounts ( I only have two credit cards and one auto loan ), that my delinquencies are recent, and that the proportion of balances on my credit limits are too high. 

I have never been late on any of my accounts, I have never been delinquent on any payments. I have no public record or judgments and I have never filed bankruptcy. I have no accounts in collection. I only have two credit cards, and one auto loan. I have no delinquencies so I have no recent delinquencies. I keep my credit card balances low. My credit report has numerous errors and unauthorized accounts. 

I suspect that familly, particularly my daughter and/or her new husband are involved in the identity theft.
Consumer complaint received 2023-08-05
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: EQUIFAX, INC. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2024-02-01
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (IL)

My credit card from Chase offers a pay over time feature called " My Chase Plan '' for certain large purchases. However, the advertising/offer for this service is deceptive. The " Payment plan options '' screen lists several different term options, and each says ( for example ) " This amount includes a monthly fee of {$43.00} with no interest ''. However, given that this " fee '' varies by term and amount, it clearly *is* " interest. ''
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

Re : Dispute of Unauthorized Hard Inquiries on [ XXXX XXXX XXXX ] 's Credit Report To Whom It May Concern, I am writing to dispute unauthorized hard inquiries that are present on my credit report. As a responsible consumer, I understand the importance of accurate credit reporting, and I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. XXXXThe unauthorized hard inquiries I am disputing are as follows : [  XXXX  XXXX XXXX ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX  XXXX ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX XXXX  ] - Inquiry Date : [ XX/XX/XXXX ] and [ XX/XX/XXXX ] [ XXXX XXXXXXXX ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX XXXX XXXX - Inquiry Date : [ XX/XX/XXXX ] and [ XX/XX/XXXX ] and [ XX/XX/XXXX ] [ XXXX XXXX ] - Inquiry Date : [ XX/XX/XXXX ] and [ XX/XX/XXXX ] [ XXXX  ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX XXXX  ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX ] - Inquiry Date : [ XX/XX/XXXX ] Please note that I did not authorize or initiate these inquiries, nor did I provide written or oral consent for these parties to access my credit report. According to Section 604 ( a ) ( 3 ) of the FCRA, a credit reporting agency may furnish a consumer 's report only under limited circumstances, such as when a consumer has given written or oral permission or when the transaction is initiated by the consumer. In this case, neither of these conditions has been met. 
As required by the FCRA, I kindly request that you conduct a prompt and thorough investigation into these unauthorized hard inquiries and remove them from my credit report. Under Section XXXX of the FCRA, you must complete this investigation within 30 days of receiving my dispute letter. 
Please send me written confirmation that you have received this dispute and an updated copy of my credit report reflecting the removal of these unauthorized inquiries. If you determine that these inquiries were indeed authorized, please provide proof of my consent in writing. 
I appreciate your attention to this matter and expect a timely resolution in accordance with the FCRA and other applicable consumer protection laws. 
Thank you for your cooperation.
Consumer complaint received 2023-08-05
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. (NJ)

I have reviewed my credit report and noticed an error on the following account : XXXX I have disputed this before with no proof of late payment and have been refused a proper investigation
Consumer complaint received 2024-02-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (NJ)

My vehicle was finance with Wells Fargo. A year and XXXX into my auto loan Wells Fargo called me and stated because of my timely payments They would like to offer me a {$5000.00} dollar personal loan. I did except the Loan not knowing that they would put a Loan on top of a Loan. After 5 years of paying my auto Loan I was told I had another 2 years into paying my Auto Loan off which the {$5000.00} added on to my original Loan. Wells Fargo Repossessed my vehicle and told me I owed them {$12000.00}.
Consumer complaint received 2023-08-05
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. (MI)

I have a big concern on how all 3 credit Bureaus aren't updating my credit report, like when my student loans of {$43000.00} and my credit card amount was up and all 3 credit Bureaus mostly based my credit score to go up only on my credit card being lower and to me, my credit score should have went up because {$43000.00} of my student loan amount was paid off and it was higher than my credit card amount. Plus I had refinance my auto loan from XXXX XXXX XXXX XX/XX/2023 and Equifax never updated that my auto loan was paid off and I had to dispute it and Equifax took there word stayed open on my credit report and I had to dispute again XX/XX/2023 to get it to say it's paid off and I show them proof that the amount of owing XXXX XXXX XXXX was false and show them the proof of {$24000.00} was paid off but Equifax still showed the false reported amount from XXXX XXXX XXXX and Equifax had shown that I had 2 auto loans open from XXXX to XX/XX/2023 and the other concern like I said above now that XXXX XXXX is paid off and credit card amount was up and by my auto loan was paid the credit Bureaus didn't up my credit score from that but only by the credit card amount being lower that's not right
Consumer complaint received 2023-08-05
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: EQUIFAX, INC. (CA)

I was looking over my credit report there was some of these inquires on XXXX, XXXX and Equifax. that I do not recall. Nor giving them permission to run my credit. Before, I submitted a claim with CFPB I contacted each bureau as well as the banks that ran my credit. Neither could give me information on these inquires. Therefore, my next course of action is to submit a complaint with CFPB regarding these inquires.
Consumer complaint received 2023-08-05
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: EQUIFAX, INC. (MI)

Dispute of Time-Barred Account on Credit Report I am dispute the presence of an account from XXXX  XXXX on my Equifax credit report. The account alleges an opening date of XX/XX/2016. I request that this account be immediately removed from my credit report due to the expiration of the seven-year reporting period. Failure to do so would be a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

While no specific day in XX/XX/2016 has been provided, as of today 's date, the account has been reporting for a period of seven years and five days. This exceeds the permissible reporting period of seven years, and therefore, this account should no longer be reported on my credit file.

Under the FCRA, I have the right to dispute inaccurate information on my credit report and the right to have that information removed if it can not be verified. I assert that this account is inaccurate and does not belong to me. I have never had any financial relationship with XXXX XXXX, and I have never opened an account with them. The presence of this account on my Equifax credit report is both misleading and damaging to my creditworthiness. 

I demand that Equifax promptly investigate this matter and remove the XXXX XXXX account from my credit report within four days of receiving this notice. Failure to comply with this request would be a violation of my rights under the FCRA, and I may have no choice but to seek legal remedies to protect my rights and seek damages.

I have enclosed copies of supporting documentation, including [ list any supporting documents such as letters, statements, or identity verification documents ]. I request that you review these documents as part of your investigation.

Furthermore, I request that you provide me with written confirmation of the removal of the disputed account from my Equifax credit report. Additionally, I expect to receive an updated copy of my credit report reflecting the removal of the account. 

Thank you for your immediate attention to this matter. I trust that you will take the necessary steps to rectify this situation promptly and in compliance with the FCRA.
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, 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. (NE)

On XX/XX/2023 I disputed that there are inaccurate accounts on my report that need to be deleted immediately. 2 collection accounts ( XXXX XXXX XXXX XXXX XXXX XXXX ) 2 closed accounts ( XXXX  XXXX ). I'm pursuant to the FDCPA and FCRA SECTION 15 USC 1681 ( a ) ( b ) and Section 15 USC 6802...
Consumer complaint received 2024-02-01
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (SC)

Navient want more money than I can afford to send them monthly. I made Navient an offer of what I can afford a month but I was told the amount I offered was not enough. The loan is now in default.
Consumer complaint received 2023-08-05
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. (FL)

Notice of Rights Violation under the Fair Credit Reporting Act ( FCRA ) Account XXXX and XXXX I hope this message finds you well. I am writing to bring to your attention a serious matter regarding the violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Based on the provisions stated in 15 U.S.C 1681eb, 15 U.S.C 1681s, and 15 U.S.C 1681b, I firmly believe that my rights as a consumer have been infringed upon. The FCRA is designed to protect individuals like me from inaccuracies and misconduct related to credit reporting and ensure the fair and accurate reporting of credit information. 

I am deeply concerned about the handling of my personal credit information, and I request that you investigate this matter promptly and thoroughly to rectify any inaccuracies and violations as required by law.
Consumer complaint received 2023-10-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (FL)

I have applied for the SAVE plan so that I can make payments that count through PSLF as I am a XXXX XXXX XXXX They said that my documents were denied. They asked for my tax documents from the prior year, which isn't when I started teaching. I can't upload a tax document for 2023 because it isn't out yet. I can not get in touch with anyone, especially during working hours.
Consumer complaint received 2024-02-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (IL)

Synchrony bank is a fraudulent bank. 

I made a payment for my Amazon store card for {$360.00} for XX/XX/XXXX. My minimum payment is {$110.00}. I still kept getting an email saying I needed to make my monthly payment after the due date. Me thinking the payment was not made proceeded to make another payment. There is nothing on there website alerting that you are making a duplicate payment and after a payment is made there is no way to cancel it. I make the another payment. Only after making the payment you are directed to another screen that shows the duplicate payment. When you call them you are directed to go and resolve the issue with your bank. 

The same issue has now happened again with my Synchrony Home account where I have duplicated a payment of {$250.00} for a total sum of {$500.00}. There is no way to cancel it. This means, I will be unable to pay my monthly mortgage because of this. 

This is just a fraudulent and bad company.
Consumer complaint received 2024-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (CA)

My Bank is XXXX. I informed them that an altered check ( payee washed and new name forged ) was debted to my account falsely.. 

The check was intercepted in the U.S. Mail and then the payee was changed and deposited in Chase Bank and eletronically sent to my XXXX account for transfer of funds. 
I told XXXX what happened and they alleged they contacted Chase for reimbusement. 
I have not heard back. XXXX XXXX XXXX XXXXXXXX. The check was for {$1000.00} made payable to XXXX XXXX. His name was washed out and XXXX XXXX XXXX XXXX XXXX  in in a strange handwritting and deposited in a Chase Account and sent to my bank for payment. Check was mailed on XX/XX/year> my bank paid Chase account on XXXX I noticed the descrepancy in my account in early XXXX got a copy of the check XXXX XXXX, reported it to XXXX and they made a claim to Chase which is pending?
Consumer complaint received 2023-08-05
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. (MI)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$38000.00} XXXX XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX XXXX Balance {$700.00}
Consumer complaint received 2023-10-04
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: EQUIFAX, INC. (TX)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX/ Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX.
Consumer complaint received 2022-12-06
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. (IL)

I submitted a letter to the 3 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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX