davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (NJ)

JP Morgan would not credit me for an improper charge on XX/XX/2020, I closed my account and paid the last bill that I received in full, less the improper charge. After I closed my account, Chase would not send me subsequent bills or allow online access. After two months, Chase started collection calls - I told them there was a legitimate dispute - not a failure to pay. Eventually the vendor themselves credited me for the original improper charge, yet Chase refuses to credit the interest and penalties that accrued after I cancelled my card. Further, they reported me 90 days late which caused me difficulty in receiving an auto loan. My Chase Select banker said supervisors would call me on multiple occasions to try to resolve the issue - yet I never heard from them. I was even told they mailed be and tried calling - yet they have my correct address, work phone, home phone, cell phone, and email, yet I never received one text, voicemail, letter or call. Each day that goes by without Chase addressing my issue, my damages increase. I keep getting collection calls, interest and fees and an incorrect, damaged credit rating.
Consumer complaint received 2023-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.
Consumer complaint received 2020-12-18
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: Experian Information Solutions Inc. (FL)

In response to my earlier complaint XXXX Experian responded with a bizzare and frivolous claim that my complaint " did not appear be be submitted by me '' even though I provided my name, date of birth and the last 4 digits of my SSN. 
Then in response to my second complaint they not only admitted that it was I who submitted my first complaint but now claim that they are not going to investigate because I already requested investigation earlier. Therefore, they are completely cofused, contradict themselves and are just trying to avoid compliance with the FCRA. 
Please investigate and delete the following false accounts : 1. XXXX XXXX account XXXX 2. XXXX XXXX XXXX account XXXX XXXX. Accounts XXXX account # XXXX 4. XXXX  XXXX account # XXXX 5. XXXX XXXX XXXX account XXXX
Consumer complaint received 2015-07-03
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland Credit Management and I agreed to pay {$760.00} for a XXXX XXXX debt. 

Midland prints checks to present to my bank for the payment. 

My bank notified Midland that their check was not being printed correctly. After XXXX payments and no response or change from Midland, my bank refused to accept their check. 

I contacted Midland and they reinstated the payment plan and corrected their check account number. Midland did not inform me that they were no longer agreeing to the original agreed upon debt amount. After making the final payment, Midland wants to collect {$480.00} more in debt payments.
Consumer complaint received 2017-07-26
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (NC)

Comenity Capital reported to the credit bureaus that my account was late in XXXX of 2017, when it was not. I contacted Comenity Capital and they apologized for the error, but said the only way it could be fixed was to dispute my pay history with the credit bureaus. I did that, and Comenity Capital told the credit bureaus my account was delinquent in XX/XX/XXXX. I called Comenity Capital back and asked them why they verified the delinquency when it was an error, and they could not give me an answer. They said they were sorry, but there was nothing they could do. They said I had to dispute it with the credit bureaus again. This just is n't right. Comenity Capital has the control over the information they report to the credit bureaus, not me. It should be their responsibility to report correct information, not mine.
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (AK)

I have a mortgage with XXXX XXXX and they have reported me to the credit bureaus for not making payments. I have made every payment this year and XXXX  XXXX just made 3 more payments for me. 
I have been turned into the credit bureau each month since XXXX, stating that I have not made my mortgage payment. Currently I should be 2 payments ahead. I had a credit score of XXXX and now its XXXX, each month it keeps going down. I called several times, I had one call back and they said they were going to fix this mess, nothing has happened for 5 months. I called again and they said that my credit would slowly fix itself, it just keeps getting worse. They ruined my credit score and refuse to correct this error. They closed my on line acct so I cannnot even see my acct. XXXX they said that if I did not make over XXXX in payments I was going to loose my home. Attached are proof of my payments and XXXX  XXXX payments they made for me.
Consumer complaint received 2023-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX These companies have violated my rights 15 U.S.C 1681 section 602 A .States : i have a right to privacy.

15 U.S.C 16881 section 604 A. section 2. : It also states that a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 C. ( A ) ( 5 ) section states : No consumer reporting agencymay make any consumer report containing any of the following items of information and any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681-2 ( A ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency, if the person knows or has resonable cause to believe that the information is inaccurate
Consumer complaint received 2023-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

In accordance with The Fair Credit Reporting Act. The list os accounts below has violated my feral protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) Account # : 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 an 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. 
XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX. 
Violated my Rights
Consumer complaint received 2023-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I received a letter from your company stating that I owe an outstanding balance. This letter is not a refusal to pay, however, I would like to let your company know that I am disputing your claim. Under the FDCPA, I am allowed to request verification from collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : 1.Proof that you either own or were assigned the debt from the creditor 2.Proof that you have the right to collect this debt in my state 3.Proof that your company carries a bond 4.Proof on how your company assessed the outstanding debt 5.Payment history from the original creditor 6.Name and address from the original creditor 7.Copy of the original contract bearing my signature Thank you for your time and cooperation
Consumer complaint received 2023-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (PA)

XX/XX/2023 - Payment made for American Express account for {$1800.00} but I had insufficient funds, my paycheck didnt post for another few hours. XX/XX/2023 - I receive direct deposit paycheck and my bank account has more than enough to cover funds. The {$1800.00} is returned, I call American Express and they advise me to make another payment because the {$1800.00} will not re-attempt. I have enough funds, and send a payment of {$1700.00} to American Express. XX/XX/2023 - Both payments of {$1800.00} and {$1700.00} are billed to my checking Account. I am overdrafted, and my American Express card is not working and my XXXX  XXXX XXXX debit card is not working, despite my XXXX  XXXX XXXX saying they cleared the {$1800.00}. XX/XX/2023 - I contact XXXX  XXXX XXXX and American Express to resolve. XXXX  XXXX XXXX opens a fraud investigation, and told me it will take 40 days to research. American Express told me they can not do a stop payment, and will reattempt to draw the funds 3 times. XX/XX/2023 - I am still overdrafted despite having around {$1200.00} in my bank account in reality. I contacted American Express again for a stop payment request, and they say they need an electronic letter from XXXX  XXXX XXXX. I contacted XXXX  XXXX XXXX for a an electronic letter they can send to American Express, or a way to stop the auto draft, but they will not stop the auto draft. Consumer banking, my money would have been safer underneath my mattress.
Consumer complaint received 2022-12-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 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. 

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 -- - I was never late on this account because I always pay on time. The payment history of this account is inaccurate! PLEASE INVESTIGATE AND UPDATE THIS ACCOUNT WITH LAWFUL ACCURACY! 

XXXX # XXXX -- -- DELETE THIS ACCOUNT BECAUSE THIS IS PURELY IDENTITY THEFT AND WRONG. 

XXXX XXXX XXXX XXXX- -- DELETE THIS ACCOUNT BECAUSE THIS IS PURELY IDENTITY THEFT AND WRONG. 


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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-12-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I opened a Bank of America Account Online. I deposited my payroll check via direct deposit which i really needed being right before XXXX. BOA locked my account for some odd reason. I called the number provided and they said I needed to go into a financial center and prove i was a real person. I said no problem being very understanding. I told the guy I could do it later in the week and he said thats not a problem. I went to the XXXX, TN branch which is an hour away and they were very helpful but BOA had closed my account and told me that theres nothing that i could do about it since they processed my payroll check and then closed my account they told my i had to wait XXXX days to receive it. Total XX/XX/XXXX It ruined XXXX and put me under emotional distress. They did not disclose any of this to me. Do not bank with Bank of America. It seems like they only prefer to have high net worth customers and not small business owners and the working man.
Consumer complaint received 2023-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am requesting the following address information be permanently removed on my credit report. The following information is incorrect and must be removed immediately as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate Therefore, they must be removed : Creditors have entered my name incorrectly when requesting my credit report. Regardless, there are addresses that should not appear in my credit file.
Consumer complaint received 2023-05-29
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXXXXXX XXXX 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 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 2020-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been attempting to get my credit report updated on the XXXX account as it was settled since XXXX of 2020 with their agent how bought their debt ( Full Circle ) and have not been able to obtain the final letter transferred that debt from XXXX to Full Circle nor has my credit report been updated to reflect {$0.00} balance on XXXX. 

They tell me that they have attempted to contact XXXX with no results and they could not give me any documentation that they bought the debt from XXXX. 

I have been emailing and contacting XXXX with numerous attempts along with over 10 + hours on hold with multiple transfers and disconnects and they still show2 I owe those funds. 

I have attached all the correspondence in hopes that I can get a letter from XXXX as this is holding up my refinance on my home and need it asap as I have also spent additional funds out of my pocket for the appraisal fees. 

Please can someone Please help me. 

XXXX XXXX XXXX
Consumer complaint received 2022-12-30
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 Account Number : XXXX, XXXX Account Number : XXXX, XXXXXXXX XXXX  Account Number : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

The credit reporting system is dependent upon my consumer report displaying fair and accurate information. OnXX/XX/2021 - XXXX XXXX , Account Number : XXXX added a derogatory mark on my credit report per Experian. This information is completely inaccurate, also is a violation and unfair to me because I was never notified when the inaccurate information was furnished and I was never notified when during the agencies initial investigation that they were going to report the information. This grave error by Experian has undermined my confidence in the companys procedures. This company is a powerless elaborate mechanism and this mishap that this company has caused has ruined my reputation and adversely affected my credit worthiness. This company assumed this role and was not given expressed permission by me the consumer, or a competent court of jurisdiction, so not only did this company fail in the initial investigation of this information. They also assumed this role, and assumed this inaccurate information was valid. Which is a violation of my consumer rights. according to the FCRA XXXX XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Consumer complaint received 2022-12-30
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. (FL)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-07
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. (FL)

I noticed on my consumer report that there was an XXXX XXXX XXXX XXXXXXXX that I never opened. I have submitted my theft affidavit and I need this account closed and removed because it is not my account.