davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (OK)

The original complaint with all of the paperwork sent to the XXXX  XXXX XXXX is attached to this complaint. 
XXXX Submitted XX/XX/XXXXXXXX  XXXX XXXX XXXXXXXX processed the claim and the funds were returned to Chase, however, Chase never returned the funds to my account and in fact closed the claim. 

Chase lied several times stating that XXXX never received documents to support the claim, when in fact I have a recorded message from 2 XXXX representatives that the cashier check for my claim was mailed to Chase on XX/XX/XXXXXXXX  before CHASE closed the claim by mailing me a letter in XXXX AFTER they had received my reimbursement funds from XXXX. 

Chase Bank closed my claim and mailed a letter stating XXXX  who had accepted the fraudulently endorsed check hadn't received the paperwork that was submitted to Chase. This is the paperwork attached in my original complaint to cfpa. I was told by Chase that Chase had to handle the claim with XXXX and was given copies with proof that the correct forms and documents signed by the deputy director of the Oklahoma Tax Commission and verifying the check was fraudulently endorsed was in fact sent by fax to the claims department at XXXX. 

I followed up myself with XXXX claims in the fraud department and was told by 2 separate representatives that that the claim was resolved and a cashier 's check had been mailed to Chase on XX/XX/XXXX. They stated on a recorded line that the cashier check number # XXXX in the amount of XXXX had been mail to Chase on XX/XX/XXXXXXXX  and should have already been placed back into my business account with Chase. 

When I called Chase executive office I was told a different story. They agreed to reopen the claim to investigate. I am not sure, but I believe this is FRAUD to take their customer 's money and keep for themselves. I am writing to ask for your assistance in this matter because at this point I have no choice but to seek legal counsel. I have been dealing with this issue for almost a year, calling every week for the last few months. The damages to my business and personal life have been adding up and taking a toll on my health and my business is struggling due to Chase Bank after I had put all of my trust in them as a small business owner starting out. 

Would you be able to assist me in this matter or should I hire an attorney? It seems unimaginable that an American Citizen can't even trust their on own American Bank. Chase prides themselves on protecting your money from fraud and in fact they are committing fraud against their own customers!! I have also thought about going public with this scam because I am sure that I am not the only one this has happened to in the past. I was of course required to pay my property taxes of {$4300.00} twice or fees would continue and I would lose my house. 

Please help me to help myself AND American Citizens
Consumer complaint received 2024-03-14
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: Experian Information Solutions Inc. (DE)

Without fail, I've maintained timely payments on this account, ensuring they never lapse into overdue status. I'm puzzled by the reports of late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, corrections ought to be made.
Consumer complaint received 2023-10-22
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: NAVY FEDERAL CREDIT UNION (TX)

I was send a pre approval email stating I was already approved for a Navy Federal credit card I was send a misleading email every day for months to apply, when I did finally apply I was denied.
Consumer complaint received 2023-07-14
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. (CA)

This is my 14th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-08
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. (NC)

Recently, I discovered an account reporting on my Transunion credit report from XXXX XXXX. This account is showing the date opened since XX/XX/XXXX. It's showing a payment history timeline starting XX/XX/XXXX and currently reporting that I am 120 days late on payment. I have no knowledge about this account entirely. Another major discrepancy is that the original balance is {$2400.00}, but the current balance is & XXXX, which is extremely extensive. This account is a significant inconvenience and has drastically hindered my ability to obtain credit. Attached is a copy of my Transunion credit report ( account has been highlighted ) and a copy of my FTC complaint.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Loqbox US Inc (TX)

XXXX XXXX this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 o 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

XXXX XXXX Charge accounts should not have any payment history due to them being late by default. 

XXXX  XXXX This is another charged off account that should not have any payment history because charge accounts are late by default. 


LOQBOX-XXXX  Can I get verification of these late payments. 

.. I want this late payments updated to pays as agrees. 

I
Consumer complaint received 2023-10-22
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. (SC)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Consumer complaint received 2024-03-14
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: Experian Information Solutions Inc. (FL)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than XXXX days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Retaliation tactics used by former lenders/credit card company resulting in inaccurate and conflicting data on my Credit Report with all XXXX Bureaus. Significantly impacting my livelihood along with ability to obtain housing, transportation, and other life necessities. 

What is most concerning is that the financial institution appears a bit emotional, where legal and ethical practices should take priority, especially compliance with Federal Law. A sort of double-dipping and whipping is the best way to describe it. 

Whether upset about the charge-off account or not, writing it off as a loss on their financial books and with the Internal Revenue Service on a legal form for accounting purposes, titled and quote " Account Charged off, $ XXXX, XXXX written off '', then reporting to all credit bureau 's that the account is still open with original delinquency status to current month, is not only unethical but horrible business practice and disregard for the FCRA and my rights.

If the original creditor still owns the debt, where are my notices, attempts to negotiate or collect? A write-off/charge-off has meaning. The term is supposed to be used to identify the account status, thus indicating a closure, no further collection activities from the original creditor. Once you charge it off or write the balance owed off as a loss, cease reporting activity and accurately reflect the account status, I mean isn't this the process? 

Several financial institutions are playing the " ill get you back game '' these companies are : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Blasting the unpaid balance while taking insurance, or tax credits for the loss while still reporting after write-off/charge-off. Some even reporting monthly since XX/XX/XXXXin attempts to sabotage my credit standing for the next several years. 

Requesting assistance from CFPB with ensuring my credit information is reported correctly. As of today, the inaccuracy is causing confusion because the accounts should be coded in the closed status.
Consumer complaint received 2023-10-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: PNC Bank N.A. (NY)

Between XXXXXX/XX/XXXX, I fell victim to two multi-layered scam operations run by XXXX ( the Company ) which involved me making deposits for a total amount of XXXX USD from my PNC Bank account to fraudulent investment firm ( s ).
Consumer complaint received 2023-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : 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 2023-04-19
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: Experian Information Solutions Inc. (TX)

I sent a letter to the credit bureaus XX/XX/2023 informing them of an inaccurate account on my credit report. I do not believe an investigation was done because the account XXXX XXXX XXXX XXXXXXXX is still reporting. As stated in my letter, I was a victim of the XXXX data breach and I think my information was compromised because I do not recall opening an account with this creditor. I contacted the creditor by mail, and they have failed to respond or validate this information so why is it reporting on my credit report? Also, how can there be different years listed in the date of last activity for each bureau when all data furnished should be the same? This is the date that stipulates when my account will naturally fall off. This is a violation of the FCRA. I will attach the XXXX data breach claim as well as the inaccurate credit report. I am demanding that this account be removed within 15 days since this is not my first time reporting this account.
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There seems to have been a billing error with my banking company which led to a late payment for the account XXXX XXXX. I have attached the letter from XXXX to XXXX bank informing them of this error. I was informed to send a letter or dispute to expedite the removal of the late payment since this has been ongoing. According to the FCRA this incorrect late payment reporting in XX/XX/XXXX ' is to be removed due to a billing error. I sent a dispute letter over 8 months ago and this information is still reporting. I will attach the letter that was sent XX/XX/2023 which is dated and time stamped. Please update this account to paid as agreed, never late. I have attached all relevant documents.
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: EQUIFAX, INC. (TX)

I sent a letter to the credit bureaus XX/XX/2023 informing them of an inaccurate account on my credit report. I do not believe an investigation was done because the account XXXX XXXX XXXX XXXX is still reporting. As stated in my letter, I was a victim of the Equifax XXXX breach and I think my information was compromised because I do not recall opening an account with this creditor. I contacted the creditor by mail, and they have failed to respond or validate this information so why is it reporting on my credit report? Also, how can there be different years listed in the date of last activity for each bureau when all data furnished should be the same? This is the date that stipulates when my account will naturally fall off. This is a violation of the FCRA. I will attach the Equifax data breach claim as well as the inaccurate credit report. I am demanding that this account be removed within 15 days since this is not my first time reporting this account.
Consumer complaint received 2023-10-21
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (NJ)

I tried to submit the following content several times. 

Dear sir, Today, on XX/XX/2023, I received a replacement card for my illegally used card ending XXXX. Since I noticed the illegally usage of this credit card account, which ending XXXX, I determined to order another replacement card. At XXXX, I tried to replace through the bank website. And as the printout shows as evidence, I certainly called XXXX as the site told me to do it. However, it ended up activating the card, which numbers were used illegally and charged several hundred dollars. Therefore, I seriously beseech to send me legally and safely usable credit card from your company. 

Sincerely,
Consumer complaint received 2023-10-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Byrider Franchising, LLC (FL)

On XX/XX/XXXX at XXXXXXXX XXXX this company CNACXXXX XXXX XXXX ran my debit card without my consent. My account is not on auto pay and they had been calling back to back for at least a week or so prior to attempting to run a transaction. They couldnt contact me and decided to run the transaction without my consent. Luckily I didnt have anything in the account. This company get customers to sign unfair contracts saying they will repo your car if you miss one payment. They have multiple complaints and suits against them already.
Consumer complaint received 2022-12-09
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. (FL)

I appreciate your taking the time to REMOVE 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 will 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
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. (TX)

I sent a letter to the credit bureaus XX/XX/2023 informing them of an inaccurate account on my credit report. I do not believe an investigation was done because the account XXXX XXXX XXXX XXXX is still reporting. As stated in my letter, I was a victim of the XXXX XXXX breach and I think my information was compromised because I do not recall opening an account with this creditor. I contacted the creditor by mail, and they have failed to respond or validate this information so why is it reporting on my credit report? Also, how can there be different years listed in the date of last activity for each bureau when all data furnished should be the same? This is the date that stipulates when my account will naturally fall off. This is a violation of the FCRA. I will attach the XXXX data breach claim as well as the inaccurate credit report. I am demanding that this account be removed within 15 days since this is not my first time reporting this account.
Consumer complaint received 2024-03-14
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. (GA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.