davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (WA)

I deposited {$3000.00} in cash into a drive-up ATM at a Chase Bank branch in XXXX, Washington on XXXX  XX/XX/2022 XXXX pacific time. In the middle of my transaction, the ATM machine malfunction and rebooted. It then spit back out my card but no receipt was printed. I checked my balance and nothing show indicating the deposit I just made. I took pictures and a video of the ATM screen and then called customer service while still parked in front of it. They told me that their Claims department handles that type of issue but since it was after hours, they would not be open until XXXX eastern time and I would have to wait until then to call. I call the next morning, XX/XX/2022 at XXXX pacific time to file a claim. I gave them the exact time it happened and the increment of my deposit. I was told by the claims rep at that time that they should have it resolved my money should be available after 1-2 days. I patiently waited until XX/XX/2022 and nothing has been credited to my account, so I called the Claims department again. The rep I spoke to at that time kept giving me the run around and said that I just have to wait another 1-2 days. I then got a little upset and asked to speak to a supervisor. When the supervisor got on the line, he told me that since that ATM was service through an outside source, that it would take longer for them to investigate. Which made NO sense to me since it was their branchs drive up ATM. He told me that there was nothing he could do and I would just have to wait. I went to that branch when it open at XXXX pacific time. The branch manager tells me that they do not service the drive up ATMs only the ATMS inside the branch and that she can not help me and that I have to wait for their Claims department to handle it. It is now XXXX  XX/XX/2022, I tried calling the Claims department, again, to check on the status of my claim and was told to wait another 96 hours. 
I feel like they had just stolen {$3000.00} from me.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ERC (HI)

ENHANCED RECOVERY CORPORATION Account XXXX ) accessed my report without my permission. 

According to The Privacy Act of 1974 and the15 U.S. Code 1681b - Permissible Purposes of Consumer Report explains what a credit bureau can and can not do. I feel these rights was violated. " Theseaccount is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 16815-2 ( AX1 ) A states *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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. " XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2023-11-17
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. (FL)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank allowed fraudulent charges with my debit card then took back the money my account was credited when I called to report the theft of my card.My card was stolen out of my car and the person who stole it made a transaction of {$98.00} at a nearby gas station as well as {$140.00} at a smoke shop. I never spend {$98.00} at gas stations My tank doesn't hold more than 10 to 11 gallons, I haven't spent more than {$70.00} at a smoke shop in years. They said that I never said it was stolen despite the fact that I said that several times and the whole reason why I called in the first place. I was on the phone with them well one of the transactions was happening and I we were able to stop the person using my card ( for XXXX at a restaurant ) .i have no authorized users on my account and they claim that it must have been authorized because a pin was used but the pin can be bypassed by pressing enter on any card. Even if somehow someone knew my pin, doesn't mean I authorize the charge and for them to take out of my vehicle while I'm at work. And they said it was because The charges were made around the area I normally make charges, of course they were the card was stolen. When I asked for the recording of the call they said that they were unable to access it which I do not believe. They also cleared all record of my claim and the charges when they first happened. They only showed me receiving the credit for them and then The removal of it. They also refuse to provide details although they said they would a couple of times. They refuse to let me talk to the head of investigation as well. I made a police report as well. At no point did I receive a phone call asking for more information and they never asked for a police report number. The information they gave me was extremely limited and some even inaccurate so I'm not sure how they made a decision and how they call that an investigation. I also don't know why they would still let me bank with them if they think I made a fraudulent claim. To make a fraudulent claim with my bank is illegal and to make a false police report is also illegal so that's a whole lot of trouble to go through and very risky for less than {$300.00}, but like I said I was on the phone with them as it was happening. I called just a few hours after my bag wasstolen out of my car
Consumer complaint received 2023-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (CA)

My paycheck was deposited on the XXXX of XXXX, CHIME BANK bost about not holding or leaving deposits in a pending state however nobody can explain where my deposit is as i informed CHIME BANK that due to what they claim " not holding deposits and so forth '' puts them directly in the cross hairs of FALSE ADVERTISEMENTS and possibly NEGLIGENCE AND MISAPPROPRIATION OF FUNDS AS WELL. And i was never helped rather told ro just wait which ia where the problem is, you cant tell me you don't hold deposits then tell me i have to wait on my deposit if its already been issued that's a bold face lie, so the issue is that CHIME BANK makes the information murky so they can swindle money or make adjustments as opposed to simply honoring their word
Consumer complaint received 2024-01-11
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: NCB Management Services Inc. (GA)

My vehicle was repossessed after a payment from XXXX XXXX XXXX bounced. I was up to date but the system acknowledged that bounce payment and threw me into a repo status thinking I hadnt paid anything since XXXX. The car was repossessed but charged off my account COMPLETELY. Now they came back requesting {$5000.00} after 2 years of it already being charged off my account. Nobody spoke with me prior to repossession, after repossession, and nobody spoke to me now that they are trying to illegally ask for {$5000.00} after the car has already been completely charged off my account. There is no need for it to be back even if it is a smaller amount
Consumer complaint received 2024-04-07
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. (NY)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I have XXXX late payments on an account that I was in fact paid on time. the consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/2019 Im now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
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: FIRST PORTFOLIO SERVICING INC (PA)

My information was used fraudulently to apply for several different things that I did not authorize. These companies include XXXX XXXX XXXX XXXXXXXXVervent and XXXXVervent. On XXXX I called XXXX and they advised that there were no applications in my name or SSN, however there are hard inquiries on my credit reports.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS) (AR)

I paid XXXX $ to XXXX XXXX for DDA ChexSystems and they told me my credit would be fixed and I will be able to open an account with in 3 days, almost 10days went by I called to check on the clearance and a support advocate answer the phone disrespectfully so I ask for my refund then the advocate start to say XXXX XXXX  and XXXX  XXXX  me I have multiple recording of different advocates showing bad customer support and constantly giving me false statements that my money been refund but when I called my money account they said they havent received no refund of deposit or had on pending so at this point my money getting hoarder and I have recording of me calling and they not answering cause they know why Im calling I have proof they know when I call cause I have recordings of them answering the phone and stating my last name as they first words of choice.
Consumer complaint received 2024-01-11
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. (IL)

I am reaching out to you as my social security number was compromised. I had a data breach that resulted in fraudulent inquiries reported to me. These inquiries does not belong to me. I need this fraudulent information removed immediately.
Consumer complaint received 2024-01-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CLGF Holdco 1, LLC (TX)

Recorded Phone Call with Creditor ( XX/XX/XXXX ) : https : XXXX Issue : Creditor processed Hard Inquiry for CC application but failed to process application correctly ; Customer provided faxed request documentation ( by Creditor ) for verification and Creditor still denied application based on invalid reasons Message sent to Credit Bureau for Dispute XXXX XXXX I am disputing this item due to the invalid processing of the application. The creditor declined the application for invalid reasons, despite the applicant providing adequate requested documentation. Invalid reasons cited include being unable to verify the Home Address, Name, and Date of Birth. The applicant faxed the documents on XXXX and the creditor declined the application on XX/XX/XXXX. I request the immediate removal of this negative item from my credit report. Please address this dispute promptly. Thank you. ''
Consumer complaint received 2024-01-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (NC)

I.c. system.inc account XXXX has violation of my consumer privacy I didn't authorize this company to have or share the alleged debt it was reported on all three consumers reporting agencies I would like it removed from all reporting agencies immediately and I would like to receive the fine that they owe me
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (CO)

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 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Fidelity National Information Services, Inc. (FNIS) (PA)

On or about XX/XX/23 I sent a copy of my id and proof of address to chexsystems for a copy of my report and they have failed to send it to me. I sent another request on XX/XX/23 with the required information and they still have failed to provide me with my chexsystems report.
Consumer complaint received 2024-01-11
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 went to look for a car and before I could even step on the lot the car salesman told me that they had to run my information first so I told them I don't want my credit ran and they did so anyways and without my permission. They added around XXXX inquires from unknown sources to my report. I have filed a report with identitytheft.gov as well and these are the names of the inquiries XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX  XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX
Consumer complaint received 2024-01-11
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 sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX DEPT OF ED XXXX  DEPT OF ED XXXX
Consumer complaint received 2024-01-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC (GA)

On XX/XX/2023 I a correspondence to the credit reporting agency reporting this debt for validating documents ( an original consumer contract with my signature, Pay-off Discloser, Interest Rate Discloser, Balance History, Payment History, and Credit Insurance ) to validate this debt which I have yet to receive.
Consumer complaint received 2018-08-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Someone fraudulently collected {$290.00}, {$400.00}, & {$200.00} using XXXX banking application out of my Bank of America account, on XX/XX/2018 at approximately XXXX. 
I immediately contacted the Bank of America fraud department. The representative I talked to explained to me that it would take them 10 days to investigate what had happened. In the meantime I am left with a negative balance and it's up to me to put money into the account when I had {$950.00} before the fraud. 
XXXX does take any responsibility for the fraud and simply deleted my profile as I asked them too. Bank of America advertises XXXX services on their website, yet XXXX is not a secure bank app. 
I hold both XXXX and Bank of America responsible for what happened to me. 
XXXX should be willing to check into the matter and Bank of America should not recommend fraudulent banking services.
Consumer complaint received 2024-04-07
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. (FL)

I have previously disputed this account and I am in disagreement with the item listed below which still appear on my credit report, even after your Investigation. I would like this item immediately re-investigated. Please provide me with method of verification. These inaccuracies are highly injurious to my credit rating. Please provide documentation which justifies your belief that this erroneous account is accurate and in fact reporting per the FCRA requirements. 

XXXX  Account Number : XXXX Date opened : XX/XX/year> Furthermore, in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.

You have 15 days to correct this INACCURATE information! Send me a new report after you DELETE these erroneous accounts.
Consumer complaint received 2023-09-20
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)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2017-04-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

This company XXXX is reporting on my transunion in collections and I spoke with XXXX, this is an broken lease or owed money to a rent office or something of that matter the address on this is never been an address of mines so I disputed it once I found out. Transunion claimed to have verified it, however they did not prove it with any of my correct information this is not my account and never has been. Transunion had 30 days to prove it and they only said that it is valid. They did n't provide or have any proof. This is why I have fraud alert on my credit files
Consumer complaint received 2023-11-17
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.