davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/2023, I received a text message from our bank, Chase, alerting us there had been suspicious activity on our debit card and they were placing a hold on it. I unfortunately clicked the link that was provided and gave some personal information including husband 's ss number and mother 's maiden name. At this moment, I felt something was wrong and exited out of the text without forwarding it. Come to find out, this was a FRAUDULENT text. 
On XX/XX/2023, an unauthorized party hacked into our bank account and made a fraudulent wire transfer of {$50000.00}. They also moved {$110000.00} from our savings account to our checking account. We immediately contacted our bank, Chase and had the account frozen. I questioned the lady I spoke with ( XXXX XXXX & asked why we were never alerted to this enormous wire transfer either by text, phone call, XXXX mail. She could not answer that, only agreeing that she did see that yes, we were NOT alerted. Also, she told me that there were two attempts to make this fraudulent wire transfer. The first attempt was DECLINED. Apparently someone recognized this as fraudulent. The unauthorized party tried a second attempt and Chase let it go through. We went to the local branch, explained the situation and reopened another account. Between XX/XX/XXXX to this date, XX/XX/2023, I have spent hours upon hours acquiring every bit of information, forms, Forgery Declarations for the bank and numerous trips to the local branch. A police report was filed on XX/XX/2023 & Detective XXXX with the XXXX XXXX, AZ Police XXXX. has been in touch & informed me he is currently going to subpeona the bank for records. XX/XX/2023, Chase sent us a letter stating they are denying our claim stating " we did not take appropriate steps to protect our account ''. There was no notice of consumers right to request documents to see what they relied on to make their determination, no other explanation. ( They said we should set up alerts, but we had alerts on as we have XXXX debits from that account to pay bills and every month when something is withdrawn I received an email alerting me. ) This denial letter was dated XX/XX/XXXX, even BEFORE Chase had all the documentation that they required from us including a XXXX XXXX XXXX. Not only have we been to our local branch at least four times, I have spoken with : the Fraud Dept., the Recovery Team, the Investigation Team, the Claims Dept., the Escalation Dept. and the Fraud Online Claims Dept. I am transferred around, put on hold for hours and then disconnected. We are presently filing this claim with your organization and have already filed a complaint and affidavit with the FTC. Today, XX/XX/2023, we are seeking an attorney. We are also filing a report with the FBI. Chase Bank has given us a complete runaround. They are suppose to protect their customers but instead put the blame back on the consumer.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

I recently reviewed my consumer report and I notice an account was reporting inaccurately. I had a late payments on an account that I was in fact on time. The consumer reporting agencies need to report all information with complete accuracy. The account has not been late on payments. Ive attached a copy of a consumer report to this complaint in the following date XX/XX/year>. Im requesting you investigate and provide verifiable proof with records showing I have late payments. If this information can not be verified, i demand that these payments be updated to on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2023-06-04
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG FINANCIAL CORPORATION (NM)

There are in fact two or more companies whose MO is exactly same. Initially they used to call and leave message saying a case is being filed in court and need to verify address & asking to call particular number and refer File number. They even had some of my family and friend 's phone numbers and called them as well. Debts are six to seven year old and they are still threatening to file law suit as per their letters. Both letters from different states are identical in nature. Looks like they are using phantom names and mail box as street address. Debt collecteors are required to inform debtor on certain form that this is debt collection but it is not their style. They simply threaten to file lawsuit and report to credit bureau. Their letters show case filed. Have received two identical letters. One from XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX AZ XXXX and second from XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX OH XXXX. Both have similar content and both seem to be operating from po box . Debt are two old to file lawsuit. Debts have passed two year debt collection limit through lawsuit.
Consumer complaint received 2024-03-08
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)

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 2021-01-11
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. (LA)

I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2023-07-13
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. (TX)

I submitted a letter to the Credit Bureaus to delete these erroneous items. 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. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX 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 2023-06-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Maury Cobb, Attorney at Law, LLC (GA)

MAURY COBB ATTORNEY AT LAW LLC has sent a letter trying to collect a debt stating I owe to XXXXI have not supplied proof under the doctrine of estoppel by silence, Engelhardt V Gravens ( MO ) 281 SW 715,719. I presume that no proof of the alleged debt, nor therefor any such debt, in fact therefore exists. In a good faith effort to resolve this matter amicably. I state my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature as well as the proof of your authority in this matter. Absent such proof you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record I state again that I have no account with you, nor am I your customer, nor have I entered into a contract with you. I must ask for the following information please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. What is your authorization of law for your collection of information?. What is your authorization of law for your collection of this alleged debt?. Right to Privacy Act of 1974 also protects records about individuals retrieved by personal identifiers such as a name, social security number, or other identifying number or symbol disclosure of non public information without the knowing and expressed consent of the consumer. 15 U.S. Code 6802 Obligations with respect to disclosures of personal information. A financial institution may not directly or through any affiliate, disclose to a non affiliated two party any non public personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803.15 U.S Code 6803 Disclosure of institution privacy policy
Consumer complaint received 2024-03-08
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: Experian Information Solutions Inc. (FL)

hi i went over my credit report and i found out i have inquiries and collections accounts i called the reporting agencies and let them know the inquiries and negative items/collections/charge off in the document included below are not supposed to be visible on my consumer report. I NEVER gave them written consent to report them Pursuing 18 U.S. Code 1028A - Aggravated identity theft U.S. Code ( a ) Offenses. 
( XXXX ) In general. 
Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.
Consumer complaint received 2023-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX  Account # 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.
Consumer complaint received 2023-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

Chase bank froze and then closed my checking account. I was told that they flagged it for fraud based on checks that were deposited. The funds from the issuing bank were cleared/transferred into my Chase account. However, Chase refuses to turn over the money I had in my account. They say that I have to hire a lawyer. I don't understand why I can not receive my money when all deposits and transfers have cleared.
Consumer complaint received 2023-06-04
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. (WI)

On XX/XX/XXXX i traded my XXXX XXXX XXXX to XXXX XXXX. XXXX XXXX paid XXXX XXXX and received the title for the transaction. The check was short XXXX and no one was made aware of this. XXXX XXXX put late fees and charge off on my credit report. I obtain a letter from XXXX XXXX explaining how this is their responsibility and that it should not be any late fees or charge offs on my account. I have talked to XXXX XXXX about this 5-7 times now. Each time i was told my account will be fixed, so far no updates. Been trying since last year to fix this situation.
Consumer complaint received 2023-06-04
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: AMERICAN EXPRESS COMPANY (NV)

On XX/XX/2022, I sent a letter to American Express asking them to verify a debt by providing the original signed contract. This letter was sent certified and received on XX/XX/2022. I received a response stating that my address did not match what they had on file. I sent a follow up letter asking for verification of the debt since I had not received one previously. When they responded, they said it was a duplicate request but did not send the original signed contract with my signature on it. Shortly after, they sent around 300 pages of statements, but did not send a signed original contract verifying that the debt did in fact belong to me.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-04
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: Resurgent Capital Services L.P. (SC)

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 U.S.C. 1681. 

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 15 U.S.C. 1681 SEC 602A States i have a right to privacy.

15 U.S.C. 1681 SEC 604A SEC2 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 that no consumer reporting agency may make any consumer report containing any of the following items of information other than records of conviction of crimes which antedates the report by more than 7years.

15 U.S.C. 1681 SEC2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-04
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Center, LLC (CT)

I have medical debt from various collections agencies. I called to talk to someone at the same agency ( XXXX XXXX XXXX ). I spoke to three people who gave me three different prices. 
I will be starting law school in the fall and wanted to take care of my medical debt so that I have good credit for my student loans and get an apartment. Although I recently set up a payment plan, I am confused about my amount and frustrated by getting three different total amounts owed from three representatives. 
Additionally, I mentioned that amounts that were below {$500.00} should be removed and they told me that wasn't true/had n't been passed yet.
Consumer complaint received 2023-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I received a notification for 2 Hard Inquiries that are dated to XX/XX/23. One is XXXX and the other is Capital One. Neither Hard Inquiry was authorized by me.
Consumer complaint received 2023-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. 

XXXXXXXX XXXX XXXX XXXX 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 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.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MA)

Under closed accounts there are two different entries that are for the same account number with XXXX XXXX XXXX The most recently added entry, that began in XX/XX/XXXX, is a repeat from the same account opened in XXXX
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I've recently checked my credit report and noticed some inaccurate accounts reporting. 

XXXX XXXX Opened XX/XX/XXXX Balance XXXX Account # XXXX its a charged off account and it's showing open. ( I need this account off my credit report ) XXXX XXXX opened on XX/XX/XXXX for XXXX Account # XXXX It's showing account is paid off and closed. ( please remove this from my credit report ) XXXX XXXX opened ( XX/XX/XXXX Account # XXXX 2 diffrent accounts showing the same time. One credit bureau is showing closed and the other paid ( please remove this from my credit report ) XXXX XXXX  Opened the same time ( XX/XX/XXXX Account # XXXX Here is another false report on my credit please remove. One credit bureau is showing closed and the other paid XXXX XXXX  ( XX/XX/XXXX Account # XXXX here is another false report on my credit report. please remove this item. 

XXXX XXXX opened XX/XX/XXXX XXXX Account XXXX Collection/Chargeoff account ( please remove from credit report. 

XXXX opened XX/XX/XXXX XXXX account closed ( please remove item from my credit report ) XXXX XXXX XX/XX/XXXX XXXX Collection/Chargeoff ( please remove this from my credit report ) XXXX Opened XX/XX/XXXX Amount {$7600.00} account closed ( please remove from my credit report )
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

These items have been hurting my score significantly and I need them removed asap. These negatives items are stopping me from getting a house for my family. It's been far too long and nobody has helped me yet. Please get all of these items removed.
Consumer complaint received 2023-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting act XXXX Account # 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.
Consumer complaint received 2023-06-12
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. (CA)

This is a formal complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The bank is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX XXXX
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (DE)

I am writing to express my deep disappointment and frustration regarding the ongoing issue of fraudulent hard inquiries on my credit report. Despite my repeated attempts to resolve this matter, I have not seen any progress or positive results from your end. I urge you to understand the severity of this situation and the impact it has on my financial well-being. 


-- -- -TransUnion 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 2023-08-28
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: TRUIST FINANCIAL CORPORATION (NY)

ON XX/XX/XXXX I ENTERED INTO A CONTRACT ACCORDING TO THEY PAPERWORK MY ISSUE IS ONCE I GAVE THE CARE BACK IN XXXX THE CAR WAS SOLD, I RECIEVED NO INFORMATION ON THE SALE! ONE I LOOKED AT MY CREDIT REPORT I SEEN XXXX DOLLARS THAT INACCURATE! BEEN CALL THEM FOR SIX WEEKS TWO AND THREE TIMES A DAY WITH NO REPLY THIS NEED TO BE FIXED OR DELETED FROM MY REPORTS