davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-19
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc. (IN)

Eastern Account Systems Failed to notify me of this debt, I never received anything whatsoever regarding this debt no phone calls no email, no letters. Eastern Account Systems placed this debt on my credit report without notifying me or giving me a chance to dispute such debt, I am asking Eastern Account Systems to remove this debt from my credit report since they failed to notify me and the debt is already paid to the original credit XXXX.
Consumer complaint received 2024-03-22
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. (TX)

Attached to this complaint theres proof of violations of the FCRA and Privacy Act of 1974. Equifax is obligated by the FCRA to report accurate accounting. Consumer has advised ALL the inquiries reported were fraud. Under 15 U.S CODE 1681, There is need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy, and 15 U.S CODE 1681a ( A ) 2 Exclusions ( a ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 U.S CODE 1681c No adverse items besides the conviction of crimes should be on your report any item that is derogatory mark is not allowed into consumer reports this is another violation. SAID company is securitizing consumers data and is liable under the SEC to follow certain rules, EQUIFAX 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. Equifaxs negligences has caused a severe impact on my life, they should take responsibility.
Consumer complaint received 2023-01-03
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. (VA)

In accordance with the fair credit reporting act 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 2021-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Management Systems Inc. (FL)

I checked my credit report frequently, and noticed there was a debt on there for an amount of XXXX dollars from a complex where I was a tenant in an apartment. The owners told me I would be able to break the lease with no penalties due to the condition of the apartment and months of my bathroom ceiling leaking dirty water from the above apartments toilet. I let them know in XX/XX/2020 about this issue, and they continued to send maintenance to patch up the work but not solved the problem. It wasnt until sometime in XX/XX/2020 that they finally agreed that the apartment is not livable or safe and I could break my lease with no penalties on my credit or move into another apartment. Due to the horrible living experience in this complex I decided to just leave and break my lease and they agreed that was fair. I had children and it was just not healthy to be breathing in water with other people XXXX and XXXX. I also never got a letter saying I owed anything.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-03-25
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. (AZ)

CREDITOR HAS VIOLATED THE FCRA REGULATION V/ FCRA SECTION 623 ( A ) ( 7 ).- DUTY TO PROVIDE THE CUSTOMER WITH WRITTEN NOTIFICATION ABOUT THE INSERTION OF NEGATIVE INFORMATION AFTER 30 DAYS OF ITS INSERTION. 
I HAVE NEVER RECEIVED SUCH NOTIFICATION FROM CREDITORS IN THE PAST OR PRESENT. 
IF THE CREDITOR FEELS THAT THEY HAVE SENT ME PROPER WRITTEN NOTIFICATION WITHIN THE LEGALLY ALLOTTED TIME FRAME ACCORDING TO FEDERAL LAW, THEN I AM REQUESTING A COPY OF THE CERTIFIED RETURN RECEIPT BEARING MY NAME AND SIGNATURE ON IT. IF THE CREDITOR CAN NOT PRODUCE THE REQUESTED DOCUMENT MENTIONED ON TIME, I AM REQUESTING IMMEDIATE DELETION OR I WILL NOT HESITATE TO START LITIGATION TO SEEK MONETARY DAMAGES FOR NONCOMPLIANCE AND CIVIL LIABILITY.
Consumer complaint received 2016-12-15
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: NAM National Arbitration and Mediation (OH)

Asked repeatedly for debt validation and never received anything in the mail. This is a collection agency ( NAM ) who calls repeatedly asking for money to pay on an old XXXX loan. I am a XXXX. I have been on a XXXX way call trying to get the company to send the client debt validation information. The client has asked repeatedly herself for information in the mail stating money owed and where to send money. She has never received anything from this company.
Consumer complaint received 2022-02-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I tried to dispute a unauthorized inquiry on my report and they asked for a letter that Ive sent out to get things taken off and they never received it somehow. They revert me to XXXX XXXXXXXX where i got the inquiry from and XXXX XXXX tells me to call XXXX to get the inquiry removed and XXXX tells me to call XXXX XXXXXXXX. Its a cat and mouse game with them and they wont just remove my inquiry off my report no matter what i do.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I recently found that there are several fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I do not have any idea regarding these fraudulent accounts on my credit report. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately.
Consumer complaint received 2023-05-18
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: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/2022
Consumer complaint received 2021-06-18
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: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2016-09-30
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Acceptance Corporation (CA)

M LEONARD & ASSOCIATES is still reporting on my reports. This accounts was paid & the company agreed to remove it from my report as part of the payment. They continue to report the account after I 've disputed it with the bureaus. It 's damaging my credit & causing me emotional & financial stress. I would like this account removed at once!!!!
Consumer complaint received 2023-05-12
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. (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. 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. Please be aware that failure to comply with my request may result in legal action to protect my consumer rights and seek appropriate remedies as provided for under the FCRA.
Consumer complaint received 2021-06-19
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (MD)

XX/XX/2021 I ordered some stuff from XXXX on my XXXX  account I transferred XXXX from my savings account which lifted it at XXXX USD my spending account had XXXX USD left over after my purchase at the store I wake up XXXX XXXXXX/XX/2021 and I CANT LOGIN IN MY CARD DECLINED FOR XXXX USD so I try calling chime bank its like Im blocked Im constantly sending them emails they not responding I have XXXX  kids and only the XXXXUSD IN MY POCKET LUCKILY WE HAD FOOD BUT CHIME NOT EVEN RESPONDING TO MY EMAILS NOTHING I NEED MY MONEY THATS ALL NOBODY WANTS TO EVEN CALL ME BACK XXXX I have proof of my balance too Ive felt for a while they was stealing my funds cause sometime the math DO NOT ADD UP AT ALL MY NAM XXXX XXXX by the way and thanks I hope this is taking care of right away I also had a credit card builder card with chime bank as well that account had XXXX USD IN THE ACCOUNT I never said close my account nothing didnt even do anything but I dont care I jus want my money ASAP
Consumer complaint received 2021-06-19
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: JPMORGAN CHASE & CO. (NJ)

I have this items that does not belong to me and i want it to be remove from the 3 reporting agencies.

XXXX 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX  XXXX. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft JPMCB CARD Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX XXXX. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Consumer complaint received 2021-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (SC)

All of my credit card accounts were abruptly closed by Chase for an unknown reason and with no explanation. I have never been late on any promised payment schedule and have paid all of the accounts off except one that has a small balance and all payments are current with that. My complaint is ; Chase has turned into a bully and has reported that they closed all the accounts ( that is fine ) and then falsely reported that the accounts were settled for a lower amount. ( THIS IS FALSE! ) Chase is also claiming my credit score went down and posted a fake score of XXXX on their " credit journey '' using a score supposedly from XXXX XXXX  website. When I check my score with the XXXX XXXX website my score is XXXX. 

( From Chase ) - '' Settlement XXXX XXXX  It looks like your XXXX XXXX account was either settled on XX/XX/2021 for less than the balance or closed because you haven't used it in awhile. '' I have had a perfect payment history with Chase and for reasons that I don't know ; my accounts are closed and I am fine with that but I demand they remove ANY damaging reports regarding my previous accounts and update ALL THREE BUREAUS accordingly.
Consumer complaint received 2024-06-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: JPMORGAN CHASE & CO. (TX)

I am unable to add recipients on my own using the Chase website or mobile app ( XXXX ). The option to send the code to my registered phone number does not appear, and instead, a message instructs me to call Chase to obtain the code along another message that reads : " You don't have any phone numbers that are eligible to get an activation code. ". This is despite my phone number being registered with my Chase account, as I regularly receive notifications, alerts, and sign-in codes.

It is impractical to require clients to call Chase just to add a recipient.

I contacted Chase support and, after being transferred multiple times, no one could explain why this is happening. I have friends who are also Chase clients who do not experience this issue. Seems like it's technical issue as I opened my account in-branch vs. online.

Furthermore, I visited a nearby Chase branch, where the staff called on my behalf and received the same response.
Consumer complaint received 2024-06-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (MD)

On XX/XX/2024 at XXXXXXXX XXXX Midland Credit Management called me concerning a debt that my estranges wife owes. Midland advised me that as the spouse I'm also responsible for the debt, although XXXX is not a community property state. Further Midland can not provide any legal basis for their assertion that I'm responsible for my estranged wives debt. I spoke with Midland roughly XXXX weeks ago and advised them to cease and desist calling me yet they failed to follow my direction.
Consumer complaint received 2023-05-18
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: EQUIFAX, INC. (WI)

Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( XXXX ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). 

I have disputed this account on multiple occasions, as recently as XX/XX/2023. The information on the account is not mine. I have requested a copy of the contract with the wet signature and proof of my identification that should have been provided. I have not received this information or any response. The XXXX account XXXX does not belong to me.
Consumer complaint received 2024-06-10
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (VA)

On XX/XX/year>, I received a promotional email communication from Chase offering a {$900.00} reward if I open up a checking & savings bank account with them and complete several conditions. As part of this communication, they clearly state in the email : " Plus, boost your earnings to 2 % back on everyday purchases up to an additional {$200.00} in rewards with your Amazon Visa. '' In the fine print, this bonus is detailed to be a 1 % boost to the existing 1 % cash back perk on the Amazon Visa card ( totaling to the 2 % advertised rate in the email ) ; however, despite completing both of the criteria for the new checking & savings checking account ( which isn't even an outlined requirement as part of this promotional communication ), I do not have any mention on my account of a 2 % cash back promotion. 

I have called multiple times ( most recently on XX/XX/year> ) and was bounced between their Retail & Card support agents, with both agents confirming that they do not see any promotion on my account relating to a 2 % offer for the Amazon Visa. I want Chase to fulfill their advertised 2 % everyday cash back rate on this card. I have used this card extensively since receiving this communication due to the language leading me to believe that I would have 2 % cash back on purchases. If I knew this was not the case, I would not have purchased ( $ XXXX in spend ) with the Amazon Visa card.
Consumer complaint received 2021-06-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

Hello Ill like to file a complaint on Chase thy closed my account a day after I spoke to a representative was nothing wrong with my account and thy didnt have any reason why thy did it the only thing what was that representative realized on my name that Im XXXX I called in already a few times and try to see if someone can help me always the same answer thy cant give out more information why I was closed Since I know I didnt do anything wrong or violated any rules So must be thy did it because my religion I think its so unfair Ill appreciate if someone can get back to me Thanks
Consumer complaint received 2024-06-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ME)

I paid my arrears that had my account in foreclosure. The account was in a XXXX  XXXX because of the arrears and foreclosure. The account is now current and is still reported by Bank of America as in XXXX
Consumer complaint received 2024-06-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Relay Financial (US), Corp. ()

XXXX XXXX have my money blocked since 2 years, first email to request information was XX/XX/XXXX. They closed my account with my founds and unavailable the platform for me i can not make a transfer. They said will send me a check but i never have received. The last time they said they sent me the check was XXXX XX/XX/XXXX but still waiting, i asked for a tracking number but they dont gived to me. 

XXXX XXXX XXXX is the owner of the account XXXX XXXX
Consumer complaint received 2024-06-04
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (FL)

I received Notice from XXXX XXXX that based on my credit report, XXXX reported on XX/XX/year> an amount of {$130.00} which was sent for Collections by Transworld SystemsXXXX. 

I do not recall ever having a relationship with Transworld Systems XXXX so I have no idea what this matter is all about. Furthermore, I never received any written Notice from Transworld SystemsXXXX of the abovementioned amount which is due to them. 

I would appreciate it if you can investigate this matter on my behalf asap since I do not want it to affect my credit score. 

Thank you for your kind assistance.