davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CO)

I went to Chase bank branch ( at XXXX XXXX XXXX XXXX, XXXX, CO XXXX ) on XXXX XXXXXX/XX/2023 to deposit {$1000.00} cash ( XX/XX/XXXX ) through a teller. I told the teller my checking account number for the deposit. The teller wrote the deposit slip, count all bills, and accepted the {$1000.00} cash. Then, she gave me a deposit receipt. 

On XXXX XXXXXX/XX/2023, I received a letter dating XX/XX/2023 from Chase states : " We received the deposit you made in the amount of {$1000.00} on XX/XX/2023 at one of our branches. It included counterfeit notes that not valid for deposit. We deducted {$200.00} from your deposit. You can see the adjustment on one of your next two statements, or on Chase.com. If you have any questions, please visit any of our branches or call us at one of the telephone numbers above. We accept operator relay calls. '' This is a big surprise to me because I got these bills from the ATM machine from another bank and the teller counted all of them before she accepted the deposit. 

I log into my account immediately and found {$200.00} withdraw made on XXXXXX/XX/2023. So I went to the Chase branch on XX/XX/2023. I asked to see the branch XXXX and told him the letter and the {$200.00} withdraw. The branch manager told me same the thing as on the letter. I told him they did not tell me anything wrong when I made the deposit in person on XX/XX/XXXX. How could they tell the counterfeit notes are from what I deposited? I asked the branch manager about this question. He asked me to call the XXXX on the letter. I left my cell phone number to the branch manager before I left so he can contact me if there's any update from investigation. 

I called the number on the letter ( XXXX ) several times since XX/XX/2023. I got a case number of XXXX on XX/XX/2023. But I was told this case got closed on XX/XX/2023. I called the same number again on XX/XX/2023. The supervisor told me that he sent email to the branch manager and district manager with a reference number XXXX. He also told me that the counterfeit notes are XXXX XXXX bills, which is not part of my deposit as I stated above. He asked me to go to the branch as soon as possible. I went to the branch on XX/XX/2023. The branch manager was not there and a banker in the branch said he would pass the information to the manager. I haven't heard anything back afterwards. 

I called the XXXX branch again today ( XX/XX/2023 ). The branch manager was not there. I asked the banker who picked up my call regarding the status of my case. He said it's unlikely that they will return {$200.00} back to me. I asked for the evidence again. He said someone will call me back today, but no one called me back.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am a victim of identity theft, I Sent all XXXX credit bureaus the fraud dispute package including the police report and they refused to block the fraudulent information in my credit file. And will not tell me why they want block the fraudulent accounts... I need help
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

Equifax lists XXXX XXXX as the source of verifying a XXXX XXXX XXXX case # XXXX that keeps showing up on my Equifax credit report. I requested verification of this public record and Equifax claims that they verified it through XXXX XXXX. There is supposed to be a Security Freeze on my XXXX XXXX consumer file since XX/XX/2016. Equifax failed to accurately honor my request of verification of this public record by informing me that they verified through a FROZEN consumer credit report. I am attaching the results displayed of the so-called investigation of Equifax 's XXXX and a copy of my XXXX consumer file that shows the date of a security freeze that I placed on my file in XXXX of 2016 to avoid further fraudulent activity in my name. My XXXX XXXX consumer report is supposed to be FROZEN until I lift the freeze. I HAVE NOT LIFTED THE SECURITY FREEZE. XXXX XXXX is listed as the source of verification which leads me to believe that Equifax is not being factual about investigating this item on my credit report if they claim that they retrieved the results from a consumer account that clearly has a SECURITY FREEZE IN PLACE. I DEMAND Immediate deletion of the XXXX XXXX XXXX case # XXXX that keeps showing up on my Equifax credit report.
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

This is XXXX XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-27
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)

See Attached!! After recently submitting a dispute to your agency I see that these following accounts have come back verified when theres nowhere on my consumer report that states when the account was verfied. As a consumer it is my right to know what methods of validation was used to verify these accounts are in fact because these accounts are very much giving fraud and are not mine! If you can not provide the MOV to the below questions I must immediately demand the permanent removal of this/these items from my consumer report!.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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 Account NumberXXXX has violated my rights. Or a 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 2020-12-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (WI)

I live in Wisconsin and filed for Debt Amortization ( chapter 128 ) in XXXX and it was paid in full and Discharged in XX/XX/XXXX. Navient was included in this and they were sent money by the Trustee of my case every quarter. I am now told that they do not recognize the court order and are saying I still owe around {$1800.00}. I am wondering if this is the case that they do not have to recognize it. My attorney and the Trustee think it should be dismissed. Wondering if you can help me. Thank you very much.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-10-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Butler and Associates, PA (KS)

Resurrection of a settled debt filed in the courthouse, XXXX XXXX 2015 by XXXX XXXX XXXX, XXXX Ks, seeking restitution more than 7 years later after their client collected said property, and issued and filed a memo stating the debt was settled in full. Stating in writing more than 7 years later that they made a mistake and now want to re-open the settled account and collect with interest. Double jeopardy, tried to explain in court to the judge, found the settlement papers were missing from the courthouse files and had to get an Attorney to get them to acknowledge that we had the papers in our possession. Still declined that the papers were valid, as XXXX and the XXXX said it was their right to renege on the agreement. Its too much like the XXXX case. It smells of fraud.
Consumer complaint received 2024-04-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I've always made sure payments on this account are timely, never allowing them to become overdue. I'm uncertain about the reasons behind reports of late payment remarks on my accounts. Under 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2023-06-02
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC (DE)

I defaulted on my loan and it was entirely my fault that I'll accept. I was given XXXX days to come up with XXXX dollars to get my vehicle back. So I did just that I gathered my things and came up with the money. I Paid title max and received confirmation numbers for the payment that was broken into XXXX. An unfortunate turn of events landed me in the hospital. When I got out a day later they came in the middle of the night. Their repo man drug my car in park XXXX yards wheels locked. Never coming to the door or asking for the keys. They came to get my car from a location not listed on any of my paperwork. And stated that the tow truck seen my car and must of followed me here. This after i called and told them I knew they placed a tracker on my car. Also that i knew the driver and was aware of prior uses of such. Side note they placement of a tracker in Delaware is illegal. However the followed me here story is not true. My neighborhood where i currently reside has cameras facing the main and only entrance and no truck was seen entering behind or passing so entrance. Conclusion they lied. Reason for all this XXXX was. They said my payment came back as fraud but yet i had confirmation numbers and never heard of so fraud until after they repossessed the vehicle. So they took my car and told me I had to have XXXX in XXXX days after already giving them XXXX on a XXXX dollar loan. Sold I could not meet that deadline or astronomical amount. So I recieved a letter stating my car was sold for XXXX and that Title Max had the right to pursue leftover amount if I filed a lawsuit. I found that odd. Until a few days after recieveing that letter i recieved XXXX about a data breach. And then it made sense. Theyre basically trying to blackmail me into not filling a suit against them for the tracker the breach and they're complete and utter unprofessional practices. All of this i will present to the Attorney Generals office, the XXXX XXXX XXXX, local news outlets, and Delaware XXXX XXXX letters, paperwork, and communications ive had with title max. I also will be placing a notice on my familys businesses marquee sign stating theyre fraud as well. To me whomever is reading this may seem abysmal but with XXXX cars a day going by reading it. My aim is to try to keep others from experiencing the hardships ive endured because of all this nonsense. I lost my vehicle due to their lack of and therefor careless mistakes. Don't understand how payments just dissappear and now my vehicle is gone for their XXXX up.
Consumer complaint received 2024-04-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Onity Group Inc. (FL)

I was placed on the title to my husband 's home as successor, after his death and then sold the house in XXXX. The escrow funds should have been sent to me by the mortgage company, XXXX I contacted them on XXXX XXXX, and they sent me a response that they would send the funds. As of today, they have not sen the funds which I am entitled to by law.
Consumer complaint received 2023-05-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: OneMain Finance Corporation (AZ)

I currently have a vehicle loan with One Main Financial Account # XXXX. As of XX/XX/XXXX I was paid ahead on my car loan up until XXXX of XXXX. 

On XX/XX/XXXX I was in a car accident and the insurance company deemed the car a total loss as of XX/XX/XXXX. 

One main financial will not accept payment from the insurance company for now going on over five months. 

I was told by One Main Financial they failed to obtain the title of the vehicle upon origination of the loan. This was due to their clerical error of not ensuring all documentation was completed during originations, and they continued on-boarding the loan. They finally sent the documentation to me to have notarized in XXXX and submitted to obtain the title from the DMV as of XX/XX/XXXX. 

They're failure to correctly originate my loan has caused me a huge amount of harm. 

I have been advised I will still be charged the all the interest for this time being at the XXXX because it depends on when the insurance company submits the payment in which they refused to take due to their error. 

During this last five months I have occurred more expenses as well not just having to pay the payment to One main financial for a car that is totaled when they have refused payment but also for using a rental car and the use of ride share fees.
Consumer complaint received 2024-02-21
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. (CA)

I reviewed my consumer credit report and noticed I had XXXX late payments on an account that I for sure paid on time. The consumer reporting agencies have assumed a vital role and have a responsibility to report my consumer information with maximum accuracy. I for sure paid my account on time and was not late on the months in question. I have included screenshots inside this complaint of the inaccurate payment reporting on dates XXXX and XXXX. Please investigate and provide proof with statements showing that these payments were paid late. If proof can not be provided, I demand these payments be updated to paid as agreed on time. I paid the payments on time ; my credit report should reflect that. Thank you! Please see screenshot attached.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 


According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2024-03-27
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (PA)

Request for Debt Validation of Collections Account - XXXX XXXX XXXXXXXX XXXX  I am writing to formally request validation of a debt that appears on my credit report. The account in question is listed as and is attributed to XXXX XXXX XXXX Upon reviewing my credit report, I discovered the aforementioned account listed as a collections item. As a responsible consumer, I am committed to addressing my financial obligations promptly. However, before proceeding with any resolution, I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) to request validation of this debt. 

In accordance with the FDCPA, I kindly request that you provide the following information : 1. Verification that the debt is indeed mine, including the full amount owed.

2. Documentation detailing the original creditor 's name and contact information.

3. Verification of the collection agency 's authority to collect this debt.

4. A complete account history, including any fees or interest charges that have accrued.

5. Original Contract or Instrument bearing my signature I understand that Experian is a credit reporting agency and may not possess all the requested information. Therefore, I ask that you forward this request to the appropriate party responsible for validating the debt. Additionally, I request that during the validation process, any negative reporting associated with this account be suspended until validation is complete. 

Please be advised that failure to provide proper validation within the time frame mandated by law will result in my disputing the accuracy of this entry with Experian and potentially pursuing further legal actions to protect my rights. 

I appreciate your prompt attention to this matter and look forward to receiving the requested validation within the legally stipulated timeframe of 30 days.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( 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 whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
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: EQUIFAX, INC. (CA)

XXXX XXXX has been ruining my credit. Along with several others. I have disputed the information with XXXX and XXXX and everything comes back verified even though its not. I didnt open up the accounts so Im trying to get these things off. I have submitted my dispute along with my updated FTC report and XXXX never investigated anything everything is coming back verified the next day. Also XXXX XXXX is reporting false information on my credit report as well. They are listing my loan as a repossession when it was not. My engine completely failed the car was still under factory warranty and the manufacture paid off the loan to XXXX XXXX. My car is also involved in a class action lawsuit and I showed proof of this to XXXX and XXXX but they have never corrected this information and they continue to allow these companies to report false information. I am attaching proof of my identity as well since XXXX said they couldnt process my dispute because I didnt give my id even though I did. Im also going to upload all of my FTC reports as well to show how long Ive been fighting to get my credit report corrected.