davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

I booked a hotel room at the XXXX XXXX XXXX XXXX XXXX for XX/XX/2021. I checked in and then left after being in there for a short amount of time ( 1 hour ). I was unhappy with the room and service, so I booked a hotel room at the XXXX XXXX for the same time frame ( see receipt for new hotel room ), and was very happy there. 
I tried calling XXXX support the same day I left, to which they said they would try to get in contact with the hotel. I never heard back, which is why I filed a complaint and chargeback. I saw the claim was rejected after a few months, so I spend money and faxed a letter, more receipts, an explanation and emails. After not hearing back for a month, I called and was told by Chase that because too much time has passed- the claim is no longer able to be reopened. 

As it stand, I feel like I was robbed of {$440.00} minus whatever the charge would be for checking into the hotel for less than two hours. I have since cancelled this specific cards but I still have products with Chase. I am requesting assistance getting reimbursed for the XXXX XXXX XXXX charge on XX/XX/2021 for {$440.00} Thank you for your time and help investigating this matter.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2022-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

my computer was hacked and my checking account was bricked and an unauthorized wire transfer was done this happened on XX/XX/2022 I found this unauthorized transaction by checking my balance on line and found the theft and unauthorized wire transfer to some person in XXXX who I never heard of for {$9600.00} I never in my life have ever done out going wire transfer I immediately called Chase Bank XXXX department I followed there instructions filed a Police report closed my account opens a new account changer my user name and password signed an affidavide stating it was unauthorized and had no knowledge of the person I have spent the last 6 months fighting with Chase Bank as they are denying my claim since it came from my computer which is ridicules especially since the bank did not follow normal procedures and informing me of this out going transfer which is the normal procedure example when I make a payment for my XXXX ins or XXXX XXXX ins on XXXX Chase keeps saying they are trying to recover my money I ask you what hacker is going to return my funds especially from a foreign country
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

The unverified items listed below remain 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 mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX {$210.00} XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WA)

My privacy is being violated by EXPERIAN, XXXX & XXXX, these company 's are reporting personal information, accounts, and one inquiry that is reporting inaccurately on my consumer report, this is identity fraud as I the consumer, did not consent. In pursuant to 15 USC 1681b2 these company 's are violating my privacy rights and consumer rights. In addition, EXPERIAN, XXXX & XXXX are also reporting late payments, on my consumer report accounts violating 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ). Also, after further investigating further it looks like EXPERIAN, XXXX & XXXX deleted accounts off my consumer report, claimed to have done a proper investigation and then reinserted the deleted accounts back on consumer report resulting in even more discrimination. This is a violation of 15 USC 1681a ( e ) as these company 's do not have any right to perform an investigation. and violated my rights are the consumer and natural person, as I did not verify the accuracy of these items 15 USC 1681 i ( 5 ) B ( i )
Consumer complaint received 2022-10-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MD)

XXXX XXXX XXXX Email received from WF stating that I had advised Home Preservation to close my application because I was no longer interested. This is false information. I had been interacting with your Home Preservation program for mortgage assistance since XX/XX/XXXX. 

XXXX XXXX XXXX Email to XXXX XXXX notifying WF that I had applied to the MD HAF program while being considered for mortgage assistance with WF. 

XXXX XXXX XXXX XXXX XX/XX/XXXX reply opposin
Consumer complaint received 2022-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

I filed a claim at the beginning of XXXX after my purse was stolen and subsequent charges were completed on all of my cards. My debit card, credit card, and cash card were all used to make a variety of transactions. While the dispute was processed, I was credited these amounts back. Yesterday, I come to see that all of the charges I was refunded, have been suddenly charged again with the notice " unable to pay ''. Bank of America has not sent me formal documentation stating why my claim was denied and needs to be reopened, and now I have an overdrawn balance on my credit for purchases that I did not make. I think it absolutely obscene that this XXXX dollar company expects my broke self to fit the bill for an injustice done against me with no effective communication or proper explanation.
Consumer complaint received 2022-08-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Hi, on Tuesday XXXX I looked at my bank account that I have with my wife and it showed that they had a legal hold on my checking and savings account for XXXX dollars. I called the bank and the bank told me that XXXX, XXXX, & XXXX XXXX XXXX had a legal judgement in the state of Virginia and it had requested funds. XXXX, XXXX, XXXX XXXX XXXX XXXX filled this thru a court in VA and i do not live in the state of VA I live in Florida. I tried calling XXXX, XXXX, XXXX XXXX XXXX XXXX and letting them know that it was illegal to what they did and that i had not receivied any documentation from them and the paralegal hung up the phone on me twice and said he did not care. I then reached out to legal department of bank of America and they said the same thing that i had to contact XXXX, XXXX, & XXXX XXXX XXXX and that they didn't care what state I lived in. At that moment I told them this is the same reason why Bank of America had to pay XXXX XXXX back in XXXX of XXXX for illegal garnishments and the guy laughed and hung up the phone. 

XXXX  D.C. The Consumer Financial Protection Bureau ( CFPB ) finalized an enforcement action against Bank of America for processing illegal, out-of-state garnishment orders against its customers bank accounts. Bank of America unlawfully froze customer accounts, charged garnishment fees, garnished funds, and sent payments to creditors based on out-of-state garnishment court orders that should have been processed under the laws and protections of the states where the consumers lived. Bank of America also violated the law by inserting unfair and unenforceable language into customer contracts that purported to limit customers rights to challenge garnishments. The CFPBs order requires Bank of America to refund or cancel imposed fees from unlawful garnishments, review and reform its system for processing garnishments, and pay a {$10.00} XXXX civil penalty. 

Bank of America imposed unlawful garnishment fees and injured its customers by inserting unenforceable clauses into contracts in an attempt to strip legal rights from families, said XXXX XXXX. The CFPB is ordering Bank of America to fix its systems, clean up its contracts, and make its victims whole.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

Requesting the removal of the inaccurate reporting on all 3 credit bureaus, the last reported payment was ( XX/XX/XXXX ), but also has no payment history on the account. It also has a 120 day collection remarks that also numerically invalid with no accurate record of payments. Making it difficult to obtain housing to avoid homelessness. This messes up two things, first, this error does not indicate when the account was actually charged off. Second, this error manipulates the status of the account itself. They were never given permission to furnish such, first delinquency and this is causing great stress being reported. XXXX XXXX XXXX XXXX XXXX has violated ( 15 USC 1681s-2b ) of the fair credit reporting act. Since they have verified this account as accurate and there are obvious inaccuracies. They failed the 5 duties of a furnisher when receiving a dispute which are all violations from each credit reporting agency they are reporting too. I am demanding deletion from my consumer report or else. Im going to pursue litigation.
Consumer complaint received 2022-11-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

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 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

On XXXX XXXX XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14,1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2018-05-05
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: Experian Information Solutions Inc. (CA)

This is my last effort to resolve this matter before I pursue to taking legal action. 
This company had reported an account on my credit report that I believed to be inaccurate and in violation of the FCRA. Hence, I wrote to this company not only disputing this account but asking them to prove the validate of it and asked that the item be removed if they couldnt produce the requisite information. No signed contract was produced to show this item belonged to me.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXXXXXX XXXX has updated my wife 's credit report to reflect the XXXX balance on this account, but Experian has refused to update my credit report as a joing owner even though I've disputed this to reflect a XXXX balance. Experian is showing I owe XXXX XXXX  {$3800.00}. Under the " dispute '' section of my credit report, Experian reflects XXXX owed to this company because I've filed a dispute with them, but since updating the dispute and resolving it, under the " summary '' section and " credit '' section of my file, they show I owe XXXX {$3800.00}. 

How can I show nothing owed on one area of my Experian file and {$3800.00} showed on my Experian credit report and my wife 's Experian credit report be accurate when it's all the same credit line?
Consumer complaint received 2023-10-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nationwide Credit & Collection, Inc. (TX)

I am the author of this complaint and I have attached an ID theft report, my driver 's license and my social security card to verify my identity. I applied for a loan and was denied. I noticed tNATIONWIDE CREDIT & CO ( Original Creditor : XXXX XXXXXXXX ) t reporting on my credit report without my consent or authorization. I contacted them to validate the debt and to show a contract between me and them but they have sent me frivolous responses and did not address my concern
Consumer complaint received 2023-07-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Many years ago, we left Bank of America because they kept charging multiple fees for small items around a XXXX XXXX weekend. We were charged over {$350.00} for less than {$30.00} of total purchases. That was totally ridiculous. We tried to fight it and eventually got some of the money back. This was the last straw. Funds being transferred in were delayed unnecessarily for over XXXX weeks, fee surcharges were outrageous. Credit card fees were crazy. 

Never again would we bank with them.
Consumer complaint received 2023-10-06
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. (MI)

I've been trying to reach out from their department for several months now and Ive never received any response from their side. Im wondering if they have received all of my letters and what actions have they taken to resolve my concerns. This matter has been pending for so long and Im really hopeless knowing that my record will definitely give bad impressions to future creditors who will get to see my credit reports. In return, it will affect my credibility as a consumer to which I have no control if that happens. 
I remember the last time I wrote a letter to their department, I asked for the reinvestigation of these items and I was waiting for your response or results but I didnt get any after 30 days. 

CREDITORS NAME : ACCOUNT NUMBERS : DATE OPENED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc. (CT)

I received an alert from XXXX XXXX stating that I had received a derogatory collection account from Eastern Account Collections in CT. I immediately called the Company using the phone number provided by XXXX XXXX. The Collection Company confirmed that the account was paid in full and promised to remove the collection account from my credit report. More than a month has gone by and there has been no action to remove this derogatory account from my credit report. This account has caused my credit score to drop by 25 points.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX REPORTING AGENCY IS REPORTING FALSE INFORMATION IN VIOLATION OF THE FAIR CREDIT REPORTING ACT ( F.C.R.A ) INFORMATION ON MY CREDIT REPORT IS OUTDATED AND COMPAMPANY FAIL TO REMOVE OR CORRECT THIS INFORMATION. 

THE STATUE OF LIMITATION HAS PASSED, DEBTS HAS BECOME TIME-BARRED CREDIT REPORTING TIME LIMIT THIS INFORMATION SHOULD NO LONGER AFFECT MY CREDIT OR ACCESS TO EMPLOYMENT.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

XXXX XXXX REPORTING AGENCY IS REPORTING FALSE INFORMATION IN VIOLATION OF THE FAIR CREDIT REPORTING ACT ( F.C.R.A ) INFORMATION ON MY CREDIT REPORT IS OUTDATED AND COMPAMPANY FAIL TO REMOVE OR CORRECT THIS INFORMATION. 

THE STATUE OF LIMITATION HAS PASSED, DEBTS HAS BECOME TIME-BARRED CREDIT REPORTING TIME LIMIT THIS INFORMATION SHOULD NO LONGER AFFECT MY CREDIT OR ACCESS TO EMPLOYMENT.