davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. ()

On XXXX I opened a checking and saving account in Chase.I. have used that account since then without problem. Now I lived in XXXX and use that Account through the CHASE web Portal. Mainly I used the account for pay same subscriptions like XXXX XXXX, some XXXX purchases, vacations and last months to buy some stocks as savings for my future. 

On XXXX, Tuesday XXXX, XXXX I did {$170.00} transfer to a friend in USA. On XXXX, Tuesday XXXX, XXXX CHASE Blocked the access to my Account due suspicious activity. 
During the day I did more than 10 phone calls and spoken with many call takers as well as supervisors. They tried to authenticate me through the cellular number I had registered on my account ( XXXX XXXX XXXX XXXX ) but that was not possible because I had a XXXX  cellular number. CHASE ask me lot of security questions like my account number, debit card number, date of birth, Debit Card expiration date, and even the ATM PIN. I answered all question correctly, but always they told me they need to authenticate me through a USA Cell number, so the only choice they provide me, was me to go to a branch. I explained that choice is not feasible for me as I live in XXXX, however they insisted that is the only choice. Later I get a USA Cell Number and changed my number in my CHASE records requesting the CHASE call center to perform this action, they did. The Phone number was changed by CHASE call taker, then I started my marathon of calls to CHASE Call Center Numbers, and requested the same, unlock my account. The CHASEs answer was the same. " You have to go to a Branch ''. They do not have another choice to authenticate me. 

The big problem, from my point of view is they arbitrarily seized my money and they are economically hurting me as I can not use my money, and now I needed it. 

I'm really desperate and I do not what else can I do. Honestly I guess this is absolutely illegal as they also have my email if they want to authenticate me. The use of the email is absolutely correct and I can probe they actually use that method. 

The probe is : when you get into the CHASE webpage page and the CHASE web page does not recognize the device you are using to get into, the web page offer you to sent you and authentication code to your registered phone number or email. Many times I have chose the email option as well the phone call options, both has been worked fine, which demonstrate what they said ( they can not use international phone numbers or mail ) is a lie. 

I will really appreciate your help, I'm desperate, and is ridiculous to travel from XXXX to USA just to probe that I'm me. 

The human is exploring the space, we have learning machine, quantic computers and the CHASE can not authenticate a person. 

Please help me, I really need your help. I have all the information to probe that I ' me, so CHASE can unlock my account. 

XXXX XXXX XXXX XXXX  social ID XXXX Cell XXXX XXXX XXXX XXXX eMail XXXX XXXX
Consumer complaint received 2023-05-26
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)

When I investigated my credit report, I see that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-04-01
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. (PA)

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 XXXX XXXX filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-26
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. (CA)

I have reviewed a recent credit report snd someone has fraudulently been using my information to try and gain credit due to this I now have many inquires that were not submitted by me these Unauthorized inquiries are jeopardizing my credit score the following are reporting on transunion credit report they are named followed with date : XXXX. XXXX auto fin XX/XX/23. XXXX. XXXX auto finance XX/XX/23. XXXX. XXXX XXXX XXXX XXXX XX/XX/23 XXXX. XXXX XXXX XXXX XX/XX/23 XXXX XXXX. XXXX XXXX XX/XX/23
Consumer complaint received 2023-09-26
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXXXXXX XXXXXXXX XXXX Balance : {$970.00} ; XXXX XXXX XXXX Balance : {$5000.00} ; XXXXXXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX  Balance : {$560.00} ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXXXXXX XXXX Inquiry XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX  ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXXXXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX
Consumer complaint received 2023-11-09
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. (AL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. 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 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

I am writing to dispute inaccuracies on my credit report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 611. Upon reviewing my credit report, I have identified several errors that require your immediate attention.

1. Late Payments : I have noticed that there are late payments reported on my account that are inaccurate, which violates the FCRA Section 623. The accounts in question are listed at the end of this complaint. I have attached documentation showing that these payments were made on time. Therefore, I request that these late payments be removed from my credit report in accordance with FCRA regulations.

2. Inaccuracies in Government Name : Furthermore, I have observed that my government name is inaccurately reported on my credit report. My correct government name should be updated as shown on my official identification documents such as my driver 's license and passport which i have attached to this complaint. Please update your records to reflect my correct name. 

I kindly request that you conduct a thorough investigation into these discrepancies as required by FCRA Section 611 ( a ) ( 1 ) ( A ) and make the necessary corrections to my credit report within the statutory timeframe of 15 days. 

Enclosed are copies of relevant documents supporting my claims, including proof of timely payments and identification documents, as required by FCRA Section 611 ( a ) ( 1 ) ( B ).

Please provide me with written confirmation once the investigation is complete and the inaccuracies have been rectified. Additionally, I request that you send me an updated copy of my credit report reflecting the corrections as mandated by FCRA Section 611 ( a ) ( 2 ) ( A ).

Thank you for your prompt attention to this matter and for your compliance with the FCRA regulations. Should you require any further information, please do not hesitate to contact me at the provided address or phone number.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX is Reporting False Information on my Consumer Reports Debt collectors are reporting on my Consumer Report I have asked for Validation from All Debt Collectors. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Are Submitting letters by Mail stating I owe an Alleged Debt with there Office I asked for Validation with No Response. But a letter stating I owe this Amount.No Contract. No Payment History I have No Knowledge of these Alleged Debts.with these Debt Collector. I filed a Theft Report. With the FTC. For Identity Theft. I do not know of these Companies
Consumer complaint received 2023-09-26
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: TD BANK US HOLDING COMPANY (NY)

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (TN)

The Fair Credit Reporting Act, denoted as 15 USC 1681, section 602a, emphasizes the importance of consumer reporting agencies like XXXX and XXXX to act with equity, impartiality, and a regard for a consumer 's right to confidentiality. 

Being the consumer, I assert my right, as recognized by 15 USC 6801, to keep my personal details confidential. This legislation specifies that financial institutions should actively and consistently uphold their clients ' privacy and safeguard their confidential, non-public information.

When referring to entities providing data to credit reporting firms, they're understood as financial institutions by this act 's definition. As stipulated in 15 USC 1681, section 604a section 2, a consumer report can only be provided under specific conditions, including having the explicit written agreement of the concerned consumer. I haven't granted such permission to the financial data provider or the reporting agencies XXXX, XXXX and XXXX. All forms of consent given to these parties, whether explicit, assumed, or otherwise, are now nullified. 

Furthermore, 15 USC 6802 ( b ) ( c ) mandates that financial institutions can not share private data with third parties without explaining to the consumer how they can prohibit such sharing. I wasn't apprised of this right. Moreover, 15 USC 1681C ( a ) ( 5 ) states that reporting agencies can not include certain adverse details, with certain exceptions, if they're older than seven years. The agencies are including such details without my authorization, which is a legal violation.

In addition, as per 15 U.S. Code 1681s2 ( A ) ( 1 ) A, institutions shouldn't provide potentially erroneous consumer-related data to reporting agencies. And, 15 U.S. Code 1681e insists that these agencies implement appropriate measures to avert infractions of section 1681c and to restrict their report provisions as detailed in section 1681b. I believe XXXX, XXXX and XXXX aren't adhering to these guidelines. 

Lastly, according to 12 CFR 1016.7, consumers can opt out whenever they choose. Hence, I'm deciding to discontinue your reporting services.
Consumer complaint received 2024-07-17
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ideal Collection Services, Inc. (FL)

Theres a consumer I have the right to privacy, I never gave ideal collection services permission to furnish or collect on a debt pursuant to 15 USC 6802B, USC 1692, 15 USC 168I ( 5 ), 1681 s-3 ( a ) My rights have been violated, and I am requesting that this account be deleted and remove from my consumer credit report
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

Something's wrong with the experience system and when I try to set up an account online on their website it says that I can set up account and said that I already have an account which I didn't and don't so what I did was I went to forgot password and and it tells me that the information is not in your system which doesn't make sense cuz it just told me that I had an account so I have not been able to get my credit report from Experian but when I go to the free annual credit report I'm able to get my experience credit report from there so I don't know what's the problem and why it's not allow me to get it from their website or allow me to set up an account I also want to update experience records with my new phone number so I attached a phone bill for my T-Mobile phone bill with my new number and address for verification so they can update that information in my credit profile
Consumer complaint received 2024-06-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (VA)

Date : XX/XX/2024 I need some urgent help regarding a recent transactions Here 's what happened : Case # 1. 
I used a XXXX to swap my XXXX for XXXX XXXX XXXX, expecting the tokens to be sent to my Coinbase wallet. However, after checking XXXX, it shows that my XXXX  was sent to a different wallet address, not my Coinbase wallet. 

Here are the details : - **Transaction Hash** : [ XXXX - **From Address** : [ XXXX My Wallet ] - **To Address** : [ XXXX the tokens were sent to ] I did not intend to send my XXXX to this address, and now I'm unable to access my XXXX XXXX XXXX. I was expecting the tokens to be credited to my Coinbase wallet directly. 

XXXX XXXX XXXX Case # 2 . 
I used a Base to swap my XXXX for XXXX tokens, expecting the tokens to be sent to my Coinbase wallet. However, after checking XXXX, it shows that my XXXX was sent to a different wallet address, not my Coinbase wallet. 

Here are the details : - **Transaction Hash** : [ XXXX - **From Address** : [ XXXX My Wallet Address ] - **To Address** : [ XXXX the tokens were sent to ] I did not intend to send my XXXX to this address, and now dissappear XXXX XXXX. I was expecting the tokens to be credited to my Coinbase wallet directly. 

Is there any way to reverse this transaction or recover my tokens? Any assistance or guidance would be greatly appreciated as I am quite stressed about this situation. 

XXXX XXXX XXXX
Consumer complaint received 2024-06-12
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (NJ)

I am filing this complaint against Synchrony Bank ( PC Richards card ending in XXXX ). On, or about XX/XX/XXXX, I purchased a set of appliances for my home from PC Richard. I was informed by the sales rep that by applyingfor the PC Richard credit card I would be able to take advantage of the0 % pro which allowed me to pay off the appliances at no interest for 3 years, which would have been expected to endon XXXX. He encouraged me to apply to give me time to pay for theappliances since he had pitched higher pricedappliances due to theirbenefits/features. I set auto-payment in the amount of {$120.00} soI wouldn'thave to worry about incurring late costs. Because of this, I did not regularly check my online statement. On Sat XX/XX/XXXX, I logged onto my account knowing I had very little payments left togo. Upon doing so, I was shocked and infuriated to see that my new balance was {$3400.00}. I realized that the PCRichard rep misinformed me and that the promotion did ended XX/XX/XXXX. At the time my balancewas {$840.00}! If my promotion had in fact ended when the representativestated, then the entire balance of my appliances would have been paid off by XXXX. To see nearly a $ XXXX balance increase was completely unexpected. I feel that the rep had misinformed me and left me at adisadvantage and had XXXX financialstrain on me, one that would be very challenging torecover from.I amdisheartened and extremely overwhelmed aboutthe outcome of this situation.Synchrony mentioned that there was nothing that couldbe done. I am a fiscallyresponsible person and I take pride in my credit that I have built. Please help! I would liketo pay the original balance of the appliance as of XX/XX/XXXX. I am not able to afford the interest baringamount of {$3400.00}. I have already paid approximately {$850.00} of interest from not paying off the balance in XX/XX/XXXX. I do not have the funds to pay thisextraordinaryhigh interest thatgottacked on to the balance.
Consumer complaint received 2023-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (TX)

Want to file a CFPB complaint against Chase Bank Credit Card Services for misleading, confusing, and unexplained interest rate increases that dates all the way back when I open my credit card account on around XX/XX/XXXX. I also, reach out to Chase Credit Card Services numerous of times between XXXX and XXXX to try get assistance for forbearance or secured credit card insurance plan due to my annual income being cut in half but was given the runaround and Chase Credit Card Services was not able to assist me properly at getting a forbearance or secured credit card insurance plan. So therefore, I tried one final attempt to reach out to Chase Bank Credit Card Services around XX/XX/XXXX for assistance at getting a forbearance or secured credit card insurance plan but again was given the runaround again. So then I was forced by Chase Bank Credit Card Services to file XXXX XXXX  Bankruptcy with XXXX  Attorney of XXXX Texas because Chase Bank Credit Card Services didnt properly assist me at getting a forbearance or secured credit insurance plan. So therefore, I feel Chase Bank Credit Card Services should refund me half my attorney fees and XXXX XXXX Bankruptcy fees which is around {$40000.00} to {$45000.00} dollars that dates all the back to XX/XX/XXXX!
Consumer complaint received 2024-03-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (NJ)

XXXX, NJ, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA, XXXX Re : Dispute of Medical Debt Account Number : XXXX To Whom It XXXX Concern, I am writing to formally dispute the validity of the medical debt associated with the account number mentioned above. Despite repeated attempts to clarify the situation with your company, I continue to receive communications regarding this debt, which I maintain is not my responsibility. 

In XXXX, I was involved in an accident for which the other driver was at fault. Following the accident, the insurance company, XXXX, was contacted and provided with all relevant information regarding my medical bills resulting from the accident. It was understood that the other driver 's insurance, XXXX, would cover these medical expenses. 

I have communicated this information to your company on numerous occasions, yet I still receive notices demanding payment for the medical debt. As such, I am disputing the validity of this debt and request that you cease all collection efforts until this matter is resolved. 

Furthermore, I request that you provide me with detailed documentation validating the debt, including itemized statements and proof of assignment. Additionally, please provide evidence demonstrating that I am legally responsible for this debt. 

I expect a prompt response to this dispute within 30 days as mandated by the Fair Debt Collection Practices Act. Failure to provide the requested information or to cease collection activities will result in further action, including but not limited to filing a complaint with the Consumer Financial Protection Bureau and seeking legal counsel. 

Please be advised that all future communications regarding this matter should be in writing and sent to the email address listed above. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-26
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. (IL)

Hi, I purchase a car from XXXX 's XXXX XXXX on XX/XX/2020. The car broke down on me several times on expressway and had me stranded alone. The dealership told me that they would fix it but I would have to it towed to them. Once, I had it towed to them they never fixed the car and this car is a part of the XXXX XXXX. They increased what I owed and I never agreed to these terms.