davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-04
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO. (PA)

My Wife was the victim of a scam and computer fraud. She received a phone call from someone indicating a relationship with XXXX and XXXX that her computer was hacked. She was directed to a web site where the caller showed her various obscene images and offered to remove them for a fee. My Wife was then duped into giving the caller several credit cards ( with security codes ) - all of which the caller alleged said did not go through until she was finally able to use her Chase Mastercard. Then the caller - representing XXXX - took control of her computer and literally took several hours to allegedly clean it up. When I returned home, I recognized that this was a scam. I immediately advised by Wife to contest the charges ( {$250.00} ) and to close All of the Accounts where she had given Credit Card information, which she die. 
The very next day, we then took the now infected computer to the XXXX who are computer specialists at Best Buy. They acknowledged this familiar fraudulent scenario and encouraged us to have their techs inspect the computer. They found XXXX traces of infection and over XXXX suspected malware issues. They then proceeded to delete all of the spyware and infections, and we purchased a XXXX - XXXX program. Total Cost {$210.00}. 
Since then, Chase has failed to remove the fraudulent charge from my Wife 's account. They cite a fraudulent contract with XXXX which was NOT signed by Wife. In addition, they refused to recognize the information that we provided Chase with all of the documentation from Best Buy showing that the computer was severely infected and that XXXX really did not perform any service at all. They simply wiped off what they apparently put on the computer when my Wife was directed to their companion site. Although no real services were performed, Chase continues to send letters saying the balance of {$250.00} is due. Their letters arrive almost two weeks passed the date on which they are written. Chase appears to be complicit in allowing this scam and computer fraud to continue by failing to remove the fraudulent charges from my Wife 's account. 
I can provide Account information and Chase 's contact information to help resolve this matter. Thank You. 
.
Consumer complaint received 2023-05-30
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (PA)

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX You are in a direct violation of the Fair Credit reporting act Nissan Motor Acceptance Account number : unknown has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states I have a right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card under an open-end consumer credit plan as late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (CA)

Someone opened an account with all my information & charged up an amount & the company is reporting on my credit & has refused to cooperate with removing it from my credit as I have told them I was a victim of identity theft. I have called & was placed on hold for 2 hours each time with people being very rude to me & I am a victim. i have also wrote letters to this company as well. This company is Navy Federal Credit Union I also asked this company what supporting documents did they have proving this was my account & they told me I would have to subpoena that information in court to know anything about this account
Consumer complaint received 2022-11-29
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights 15 U.S.C 1681 Section 602 A. States I have 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
Consumer complaint received 2023-03-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (FL)

On XX/XX/XXXX  I made a transfer to a family member in the amount of {$200.00} using zelle linked to my XXXX and this money was never received by other parties. I didn't know that the word XXXX was not supposed to be used in the memo section. Now Zelle has my money frozen. Please, I need a resolution with this problem.
Consumer complaint received 2023-05-30
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2022, i applied for a XXXX loans with JPMCB Auto Finance, which they denied my the loan, however, once i review my credit history the loan was granted to someone but me the consumer. My rights was violated 15 U.S. Code 1691 ( 3 ). XXXX XXXX, and manager phone me in XXXX to ask me what will i be doing with ALL that money and the bank could not grant me the loan. I explained told XXXX XXXX XXXX and his manager that Banks do not loan money. He told me no but the shows the funds with approve from my Cestui Que vie trust account. Identify theft and embezzlement. I was approve due to my autograph as a promissory note. ( Truth in Lending Act ) UCCC 3.301 ( 1 ) The financing of an automobile by a bank was not a consumer loan transaction where the bank was only the assignee of the automobile sales contract and therefore acted illegally in taking security in addition to the purchased automobile. First Nat. Bank v La loie ( Okla ) 537 P2d 1207, 86 ALR3d 309. 
PROMISSORY NOTE written promise to pay, frequently used in installment loans and commercial loans. A promissory note is the legal evidence of a debt, a promissory note may be transferred to a third party as a NEGOTIABLE INSTRUMENT. The holder of a promissory note who wants payment before the maturity date can negotiate it by endorsing the note and presenting it to the payer for payment. See also ACCOMMODATION PAPER ; NOTE ; ORDER. 

They are in violation ALL RIGHTS RESERVED
Consumer complaint received 2024-03-29
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. (MA)

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX  XXXX ( XXXX  ). 
XX/XX/year>. 


I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2024-03-29
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)

Without fail, I've ensured that payments on this account are made promptly, avoiding any instances of tardiness. The presence of late payment remarks on my accounts leaves me puzzled, especially given my compliance with 15 USC 1666b - Billing Error.
Consumer complaint received 2023-05-31
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (ME)

On XX/XX/23 PNC bank charged my Savings account with a {$3.00} activity fee, I contacted Customer Service and was told it was due to XXXX transactions and the fee was refunded. 
The next day I received another {$3.00} fee ; On XX/XX/23 I received another {$3.00} fee and contacted customer service by Chat and then via telephone ; the first agent told me I received the fee because I deposited money into the account?? and some other transactions. After XXXX minutes of debate the agent got help and came back with yet another answer. 
At the end of the day I had never had this fee previously, when it happened the first time I contacted PNC to find out why and how I could prevent it in the future. I was given incorrect/ incomplete information the and so it happened again this month - when I called back I again got incorrect information. At this point I understand why it happened and can prevent it in the future but PNC owes me {$6.00} for providing incorrect information that led to the fees and an apology for wasting so much of my time. The icing on the cake is that if I want to talk to a manager I have to wait XXXX business days for them to call. This is terrible service, PNC should train their associates and take better care of loyal customers.
Consumer complaint received 2022-11-30
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: Experian Information Solutions 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 to believe that the information is inaccurate.
Consumer complaint received 2016-04-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Recovery Solutions, Inc. (CT)

I started getting calls about 3 weeks ago and since I was ignoring them they decided to start calling my family members. Very crude messages are being left stating that I owe money for a loan that I took out with a company called XXXX. The original loan amount was {$1200.00} however I now owe {$300.00} because I paid the rest. 

When I spoke to the lady XXXX I advised her that she had the wrong person and she told me that she did not that she had spoken to me before and I was disputing the remainder of the loan. I told her that she never spoke to me however she called me a liar and stated that she will just put down that I am disputing the loan, she then hung up on me. 

After hanging up on me, she called my XXXX aunt and started telling her that I 'm going to jail and that she should either pay the bill for me or talk me into paying it. I told her to not answer those calls and do n't give them any money that I did n't owe this mysterious debt and I was n't paying it. I just got a call from my mother stating the exact same thing that my aunt said. I do n't owe this debt and I want them to stop calling me.
Consumer complaint received 2024-03-29
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. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, and so on.
Consumer complaint received 2024-03-29
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. (PA)

I provided written notice to XXXX XXXX XXXX XXXX expressing that I wish to exercise my right to opt out of the sharing/reporting/sale of my non public personal information as it violates my right to privacy. 
See, Auto loan : XXXX, Account Owner : XXXX XXXX XXXX , Principal balance : {$9400.00}. It is being reported to non affiliated third parties and I am requesting that such information be removed for these non affiliates, database. These non affiliates have stored this information shared it inaccurately, and have sold it. It has been reported incorrectly on my consumer reports with multiple different reporting agencies, and I now request that the CFPB preforms in its duty, to enforce my rights as a consumer. Per, 15 U.S.C. 6801-6805 and, 16 CFR 313.7 I am aware, You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. 
I am aware of, Continuing right to opt out. A consumer may exercise the right to opt out at any time.

I am also aware of Duration of consumer 's opt out direction. A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically. 
Let this serve as notice of my request for OPT-OUT.
Consumer complaint received 2023-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CO)

I opened a Chase checking account back in XX/XX/2023. Right after the account was opened, I made a mobile check deposit of {$3000.00} to this account on XX/XX/2023. A couple days later, I received the letter from Chase saying that they need to verify the maker of this check. I called the number indicated in the letter and told them that I want them to verify the maker of this check. They asked for my company 's name and asked me to provide them the official business phone number of my company. I provided a couple of numbers I found and they told me that based on the records in THEIR SYSTEM, the numbers were incorrect. So I told them that I would verify with my Payroll department and call them back. A couple days later, I called Chase back and told them that I got the correct check verification numbers from my Payroll department. When I asked Chase to make calls to these correct numbers I gave them, again they told me that the numbers are not the right numbers based on THEIR records. That's when I realised that Chase DID NOT keep their system updated and Chase does not have the correct numbers in their system. By this time, Chase had already swept the money to their Central Authorization Team and closed my checking account. In the meanwhile, there was nothing my company could do to stop pay this check. Thereafter, I also went to the branch office and see if they could help. They also ended up calling the number and I got the same answer from Chase. There is nothing they can do. They can't verify the check, so they can't give my money back.
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Experian is reporting inaccurate information on my credit report. As of XX/XX/2023 my total debt balance is reflected as {$44000.00}, when it should be reduced by {$8600.00} as XXXX XXXX  is no longer being reported on my credit report due to a court judgment that was ruled in my favor. I went to the XXXX XXXX XXXXXXXX XXXX State of Georgia on XX/XX/2023 and the judgment was entered in my favor stating that I do not owe XXXX XXXX  any money ( {$0.00}. Principal, {$0.00}. Interest, {$0.00} Attorney fees and {$0.00}. Court Costs ). I have contacted Experian on numerous occasions to have them correct my total debt balance and they have refused to do so, even though XXXX XXXX  is no longer reflected on my credit report. It is illegal for any credit bureaus to report inaccurate and fraudulent information.
Consumer complaint received 2023-05-31
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. (NC)

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 XXXX XXXX XXXX, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$420.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (LA)

Ive tried several times to speak with someone at the apartment complex to get documentation on lease. Every time i speak to someone they tell me all back and then I get no answer. Ive tried disputing it with collections company 3 or 4 times its been in dispute well over 30 days. They keep saying its verified and updated ..now and still showing on my credit report.. I spoke with someone today and now they want to send me a fraud package, but wont send me the documents I asked for
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have an account with the merchant : XXXX XXXX. Their website is XXXX and the credit line is issued by XXXX XXXX. I have been making on time payments with the company since XX/XX/XXXX. In XXXX of XXXX, I called XXXX XXXX XXXX XXXX my payment plan to something more affordable and they obliged. I made the payments on my new plan with XXXX not missing any payments. I am attaching documents from my bank to show this. Then the company decided to document my account as 30 days late in XX/XX/XXXX in spite of the fact that I made all payments on time according to my plan. I disputed this with the credit bureau Trans Union. In the Trans Union report dated XX/XX/XXXX the company XXXX XXXX acknowledged my dispute and stated on my Trans Union report : INVESTIGATION RESULTS-DISPUTED INFORMATION UPDATED and OTHER INFORMATION UPDATED : A change was made to the item ( s ) based on your dispute and other information has also changed. 

The above statement indicates that the company XXXX XXXX acknowledged that my dispute was accurate. However, Trans Union DID NOT change my credit report and they are still showing a 30 day late payment in XX/XX/XXXX. Trans Union needs to delete the 30 day late payment that they are showing in XXXX of XXXX due to company acknowledging that my dispute is accurate. I am uploading all documents as evidence.
Consumer complaint received 2017-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc. (MA)

The company I apppied to ran a background check and the report came back and it 's showing me as a level XXXX XXXX offender. I 've never been charged with any such crime or ever been documented or listed as any kind of offender. Also shows in the comments, text about Nevada and Oregon both states of which I 've never even been to. This information is definitely inaccurate and embarrassing. I need this information corrected asap.
Consumer complaint received 2024-03-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2023-05-31
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: Maximus Federal Services, Inc. (TX)

In accordance with the fair credit reporting act credit ( XXXX XXXX XXXX XXXX XXXX ) has violated my rights,15 u.s.c1681 section 602A. states Ihave the right to privacy 15u.s.c 1681 section 604A SECTION 2 ALSO STATES A COMSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITH OUT MY WRITTEN INSTRUCTION ... .NULL
Consumer complaint received 2022-11-30
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: Experian Information Solutions Inc. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.