davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (CA)

Chase requires four ( 4 ) pieces of information to access an account online ; password, texted code, PIN, and a call to an XXXX number. This process is not only burdensome, it is antagonistic. It defeats the very idea of having online banking as a convenience. A password should suffice. In extraordinary circumstances, a security question. Not extended time texting and calling a bank. No financial institution should integrate cell phones into a security protocol. Cell phone fraud is rampant, driven by the very fact that a cell number is public information, can be ported out and spoofed, and a phone can easily be stolen. I have complained to Chase, who will only vaguely cite security issues. Being the largest bank in the U.S. and being clueless as to modern-day fraud-prevention, it should raise the alarm of every regulator, legislator and shareholder to see mismanagement and poor treatment of customers by a behemoth. If this is allowed to go unchecked, the contagion of incompetence may spill over to the entire banking system. A credit card company should be required to : 1 ) communicate with card holders in a timely and responsible manner, 2 ) allow account access without undue hassles, and 3 ) protect accounts rather than heighten the risk with unproven technology. By maliciously making account access difficult, Chase is also free to engage in violations of the Fair Credit Reporting Act and Fair Credit Billing Act by refusing me access to pay bills, which will result in erroneous credit reporting.
Consumer complaint received 2023-07-10
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. (OK)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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.

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 2023-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (NJ)

Hi. I have an account with U.S. Bank. They have closed my account stating I misused their name on social media. I have never posted about any accounts I have and have no clue as to why they would close out my account. They closed out my account without any warning and stated they will send a letter. Shouldnt a letter be sent out before you close out an account? I was also given a number that does not ring but can only leave a voicemail. I believe they no longer want to give me XXXXapr interest for the next 6 months and are punishing me because I refuse to open up additional accounts. I have never been late on any payments and have excellent credit. I would like a detailed explanation and to show me when & where I have ever commented about my us bank account. I would like my account reinstated and not forced to open up additional accounts.
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc. (FL)

The information reporting on my credit report is inaccurate and I request it to be removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Self lender credit card
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX And XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-04-21
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. (NV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681 Section 602a states I have the right to privacy 15 U.S. Code 1681 Section 604 ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S. Code 1681c ( a ) ( 5 ) Except as authorized under subsection ( b ), 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. Code 1681s2 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. the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ;
Consumer complaint received 2023-11-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XX/XX/2023 I viewed my consumer report and noticed that there are several accounts that are not reporting accurately. According to the FCRA all accounts must be verified and 100 % accurate. As a consumer I am protected my congress, I've requested all three disclosures with my writtten consent and signature. U.S.C. 15 1681 ( a ) section ( 4 ) staes " There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for consumer right to privacy.. Please remove all the accounts listed from all my consumer reports immediatey to prevent future litigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Army and Air Force Exchange Service (LA)

XXXX XXXX XXXX. Attempts to garner my wages without any explanation or any proof that I owe this debt. I have no idea what they are talking about and they never called me me to explain or put me on notice that they were going to take said actions.
Consumer complaint received 2024-07-13
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (TX)

Hello, Although this is an isolated event with my Best Buy credit card regarding a credit limit increase, the real issue is industry standardization around credit reporting inquiries. At some banks, it is a soft inquiry for credit limit increases and at other banks it will be considered a hard inquiry. As a customers, that is so unfair. Yes, it should be a hard inquiry when first applying to get the credit card but for a credit limit increase? Especially in my case, I have been a customer for over 10 years with a great payment history. Credit limit increases should be standardized as a soft inquiry by all financial institutions. The hard inquiries over and over to our credit report just do Not seem fair and just - as I mentioned the financial institution can see your payment history with them already as established customers. Its redundant. 

Thank you, XXXX
Consumer complaint received 2023-04-21
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: First Technology Federal Credit Union (CA)

Hi I was a victim of identity theft.I have negative accounts reporting on my credit report that i have no knowledge too. I have noticed multiple addresses and names reporting on my credit report that are incorrect. I have reached out regarding these matters to the creditors as well as the 3 bureaus asking them to investigate and remove inaccurate addresses and names. However, they have not fully looked into that matters. I have sent letters to First Tech FCU which is reporting a charged off account of in the amount of {$23000.00}. XXXX XXXX reporting a charge off account for amount {$23000.00}. Another XXXX XXXX is also reporting charged off account in the amount of {$51000.00}. I have requested investigation and a response back from the 3 bureaus as well as the creditors. But haven't gotten a Resolution.
Consumer complaint received 2024-07-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (FL)

I have send XXXX USD to XXXX from my XXXX XXXX  account and I have received the email stated Hi XXXX, All set. Your money transfer with XXXX XXXX has been sent and is estimated to be delivered in XXXX bank account by XXXX. 
Thanks for choosing us. 
It was not credited so I contacted the Western Union via chat from this morning but they are just answering like robots, not even answering to the questions. Even I do not know where money is and when it will be reverted or credited.
Consumer complaint received 2023-02-21
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: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I XX/XX/2022, I requested a wet signature signed contract that I owe PORTFOLIO RECOVERY ASSOCIATES LLC and XXXX XXXX! They have also placed a late payment on the account and the accounts are closed. If the company can not send a copy of the original contract with my signed signature! I WANT A removal immediately! They are reporting inaccurate information and according to the FCRA you CAN NOT please a late payment on a closed account!
Consumer complaint received 2023-11-15
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. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Exeter Finance, LLC. (TX)

Dear Sir/Madam, I am writing to dispute a collection that has been reported on my account. I have no knowledge of this collection and have never seen it before. I believe it to be fraudulent and false, and I would like it to be removed from my credit report. 

I kindly request your assistance in resolving this matter as soon as possible. Thank you for your attention to this matter.
Consumer complaint received 2023-04-21
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 have submitted Identity theft reports to XXXX  and XXXX XXXX and XXXX XXXX for XXXX  months and they still have not removed the following accounts from my credit report they are causing mental stress
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XX/XX/year> Re : Account Number XXXX Dear JPMCB card services, I hope this letter finds you well. I am writing to request a goodwill adjustment for my PMCB card services ( Account Number : XXXX ), which has been paid off in full.

Due to Covid-19 pandemic and the impact it had on the economy, I lost my job as I was laid-off by my company as it attempted to cut down on labor to withstand the pandemic losses and also during this period, I had a medical emergency as I was exposed to the virus and due to this, I experienced financial difficulties that resulted in missed payments on my account. I take full responsibility for these late payments and deeply regret any inconvenience they may have caused.

I am pleased to inform you that I have since paid off the account in full and have taken significant steps to manage my finances more effectively. This experience has been a valuable lesson, and I am committed to maintaining a positive credit history going forward.

I am currently in the process of preparing to purchase my first home, a significant milestone for me and my family. These late payments and eventual charge-off on my credit report are adversely affecting my credit score and my ability to secure a mortgage with favorable terms.

Given my efforts to rectify this situation, I kindly request that you consider removing the late payments and/or the charged-off status ( paid in full ) from my credit report as a goodwill gesture. This adjustment would greatly assist me in achieving my goal of homeownership and provide a fresh start as I move forward. 
For your reference, the account number used by the credit bureaus is XXXX. 
I sincerely appreciate your understanding and consideration of my request. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-07-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Portfolio Services, Inc. (NY)

Identity Theft CONSUMER PORTFOLIO S Date of inquiry : XX/XX/year> I am unfamiliar with this company, i do not have a vehicle in which i've financed through Consumer portfolio S. This company as well as a few others are a result of identity theft. I kindly ask that you investigate this matter promptly and remove this debt from hindering my credit report. I have mailed out dispute letters regarding this matter and filed an FTC report on XX/XX/year>.
Consumer complaint received 2023-04-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (MA)

On XX/XX/XXXX I had initiated an online payment to Town of XXXX for an excise tax using Chase own Bill payment service for {$230.00} which according to Chase system had been withdrawn from my account on a same day and delivered on a next one. 

On XX/XX/XXXX I got a demand letter from a town that above mentioned tax had not been paid. 
I stopped at the town later at branch in XXXX, MA later that day and discussed the problem. We had a teleconference with a XXXX Town Treasurer and they confirmed that money had never been received by town. 
Independently I had opened a claim for the transaction via the online form. 

on XX/XX/XXXX I again stopped at a Town ( asked by chase branch representative ) which performed extensive search for the payment to no avail. I had visited branch later to escalate an issue and had been promised reply in XXXX days. I asked specifically if they claim that chase delivered money which bank ( where ) it got delivered? 
meanwhile my online claim had been denied - chase thinks that money reached destination. 

on XX/XX/XXXX I stopped again at the branch in XXXX to ask what had been found - nothing seemed to be done. I vocal complained and reiterated that town hadn't got the money. 
on XX/XX/XXXX I got a phone call from a branch representative that they would try to look at it again on XX/XX/XXXX I stopped at Town of XXXX and paid " again '' because waiting longer would result in issuing warrant under my name on XX/XX/XXXX I got a call from Chase that they are looking into it on XX/XX/XXXX I got a call from Chase that town of XXXX according to them received money from the XX/XX/XXXX payment. 

-- Short story is that chase claims that money reached destination ( town ) while town says that they never received it.
Consumer complaint received 2022-10-23
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (LA)

Equifax/Equifax credit bureau removed the reinvestigation remark after my first complaint. Today I received a notification they added the same remark on the same account for XXXX XXXX XXXX. This is very frustrating because I have proof they are not reading my complaints by their actions.
Consumer complaint received 2023-04-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

I received a letter from Fair collection & Outsourcing for {$690.00} for a XXXX XXXX XXXX and responded that it isnt mine and that my name is XXXX XXXX XXXX, I also called to tell them to remove it from my credit report since it isnt mine and it hasnt been done, the person who answered the phone wanted me to giver her personal information which I wasnt willing to give since they added the debt without me giving them any of that information to begin with.
Consumer complaint received 2023-08-25
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: EQUIFAX, INC. (TX)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-02-09
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: EQUIFAX, INC. (IL)

XXXX XXXX XXXX has an account in my name for the amount of {$7300.00} for a car loan. This is complete fraud as I do not have nor ever own in car. I have tried to get this removed but all three credit compaines are confirming this with no proof.