davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I was unfortunately a victim of a scam on XX/XX/XXXX who claimed the money was sent to supervisors representing XXXX XXXX XXXX XXXX XXXX. The amount sent from my personal account totaled {$2500.00} through XXXX on the Chase mobile app. The first transaction was sent to a XXXX XXXX XXXX for {$2000.00} and the second was to a XXXX XXXX XXXX for {$500.00}. I am attaching evidence of the transactions to the phone number the scammer provided. 

I called Chase the next afternoon with a claims specialist to report every information I could communicate on the two transactions involved in the scam including what exactly happened and what misled me to send money to scammers ( including being threatened multiple times to cut off electricity from the restaurant I own if I do not pay these scammers ), and necessary information about the recipients. 

After about a week has passed, I have received the conclusions from Chase on the claims for the two XXXX transactions. On XX/XX/XXXX, the first transaction of {$2000.00} concluded there were no faults and the transaction is considered legitimate. As for the second transaction finished and sent on XX/XX/XXXX, Chase has managed to refund me back the {$500.00} and agreed the transaction was incorrect. 
So today I just spoke with one of the claims specialists from Chase for information about the first transaction of {$2000.00} and communicated to me the same information that was written on the letter telling me there was nothing wrong and the transaction was considered authorized based on what I thought I reported last time. 

Based on the current information they told me, I think what happened on the day I reported was the {$2000.00} transaction was still pending and the {$500.00} payment already went through which was why my report could have only applied to the {$500.00} and not the {$2000.00} transaction. I attempted to make another claim through the Chase mobile app on the {$2000.00} transaction and the only button on there was to send a dispute ( which I did not think through as I thought there was an option to input my report ) which turned out to be the one the investigators looked at. 

*Other actions I have taken on that day include contacting with local police, reporting to FTC with report ( with report # XXXX which in addition I will share in one of my attachments ), deactivating my XXXX profile on Chase XXXX and changing my phone number in fear of being contacted by those scammers again
Consumer complaint received 2022-05-26
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: BHFC Financial Services INC (NV)

I obtained a copy of My credit report through XXXX. Unbeknownst to me there were Unauthorized Accounts on my report that I did Not sign for. I am a victim of identity theft already reported to the FTC. My identity information was used to get state Identification, cars, phone, internet etc. I have been able to remove mostly everything accept the lease and or auto loan with BHFC that I did Not Authorize. I need this removed immediately, according to the FCRA all credit bureaus duty are to report 100 % accurate and honest reports.
Consumer complaint received 2023-11-05
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. (MI)

in accordance with the Fair Credit Reporting act XXXX Account 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 ( XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2018-04-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BB&T CORPORATION (OH)

I got a car loan from XXXX XXXX on XX/XX/XXXX and I had gotten behind on my payments. They said I had been given nine extensions, but could not send me proof. This year XX/XX/XXXX I caught up on my payments. In XX/XX/XXXX I talked with a man named XXXX and he took my XX/XX/XXXX bill on XX/XX/XXXX. He then told me that I had been paying on this loan since XX/XX/XXXX, gotten behind, but still owed over 15,000 thousand dollars. I don't understand how I paid XXXX for 4 years and still owe that much money. I am behind on XX/XX/XXXX payment because my husband had a XXXX XXXX XXXX and we cant afford to pay. I am XXXX but can not receive money due to my husband 's income ( before his XX/XX/XXXX XXXX  ). They suggested I voluntary give them the car back, they would sell it and charge me the difference. They wont let me refinance or even lower my payments. They are very rude and talk down to me. They don't call anymore, they send a letter everyday, and emails. I don't want to give the car back, I want to make payments to them but they don't want to work with me. I just called the automated assistance with regional acceptance, my bill is XXXX. I still owe XXXX if I pay it before XX/XX/XXXX. My principle balance is XXXX.
Consumer complaint received 2023-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (FL)

CFPB Complaint against Chase / XXXX  Disputed amount : {$1300.00} Claim # : XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX : filed a claim for {$1300.00} against XXXX XXXX. Transaction date : XX/XX/XXXX. Chase places a temporary credit for this amount in my checking account. 

XX/XX/XXXX : Called Chase on XX/XX/XXXX explaining the claim was filed in error and to withdraw the claim. Agent said the temporary credit would be withdrawn and the claim would be closed. 

XX/XX/XXXX : Chase notifies they have stopped researching the claim and removed {$1300.00} from my account, saying it would take place on or after XXXX. 

XX/XX/XXXX : Received email correspondence from XXXX XXXX ( my apartment company ) that my XX/XX/XXXX payment was returned due to a dispute, instructed me to pay this amount immediately, and that I was being charged a late fee of {$50.00}. Also threatened to sue me for this amount. ( see attached ). 

Spoke to Chase claims, who said that the amount was on the merchants end, XXXX, and to recover the amount from XXXX. Confused by this statement since XXXX usually directs consumers to deal with the bank, not with XXXX. 

E-mailed XXXX, and their rep said they could not help because transactions are confidential and to continue working with Chase. 

Called Chase claims again asking for a supervisor or someone in the presidents office, and was transferred to the claims department. Agent # 2 said that the amount will take XXXX to be returned to the merchant and that I should have a credit with the merchant. 

Paid the rent amount to XXXX XXXX, including the late fee, and let them know that it was due to a dispute that was filed in error and that it should have been closed. Also informed them to be aware of a double payment for XXXX in the near future. 

XXXX : Have not heard from either party so proceeding to file a complaint with the CFPB.
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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 ( XXXX XXXX XXXX XXXX XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2023-01-24
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. (FL)

This

company is not putting the accounts in question in disputes unless I call in and spend 2 hours minimum on the phone trying to get it done. They continue to state that they need me to send in certain documents but ignore my documents for 3 months and demand I send them again before my disputes can be looked at. All they say is that the back office team needs to look over the documents but fail to comply with notifying myself of the disputes and continue to spam me with mail requesting my license and other information Ive sent over several times in the last 11 months. I am gathering all of this proof carefully and very organized to pursue litigation with the help of my lawyer. 

By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions to the consumer to whom it relates. 
EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury. 
Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACT Title 1 sec. 151. 

Account Name : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$32000.00} Account Type : Charge Off Account # : XXXX Account Name : XXXX XXXX XXXX Date Opened : XXXX XXXX XXXX  Amount : {$0.00} Account Type : Charge Off, Deposit Related Account # : XXXX
Consumer complaint received 2023-01-24
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: Experian Information Solutions Inc. (TX)

In XX/XX/XXXX, I sent all 3 bureaus a XXXX dispute letter along with a copy of the state documents that show the unlawful amount that is being reported, gratefully XXXX looked into the investigation and found inaccuracy that then deleted the item off of my credit report. XX/XX/XXXX, due to being unfamiliar with the amount, I requested the collection agencys copy of a breakdown with the amount to verify it belongs to us and is as accurate as our documentation, as of XX/XX/XXXX, I have not received any word or communication. Thankfully, I made a copy of the letter and sent it into the second round of certified dispute letters on XX/XX/XXXX, again with the court documentation and Experian recently came back somehow verified when I couldnt get any feedback.. I am now still waiting for XXXX results. I am very confident, the amount Experian is reporting is violating the FCRA law with an immensely inaccurate amount throughout the years of online/over the phone/certified XXXX disputes showing proof of evidence pertaining the inaccuracy, I am requesting help to make sure all reporting is as accurate as possible. The collection account has severely damaged my husbands and I, credit history with rejected opportunities. Id be more than glad to send any evidence that is needed to get this taken care of once and for all. Thank you for taking the time to read this and I look forward to hearing back! 

Sincerely, XXXX XXXX XXXX ( XXXX : XXXX XXXX
Consumer complaint received 2023-08-16
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: EQUIFAX, INC. (NJ)

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. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Credit Card : # XXXX. 

However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 2023-07-18
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, XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023, XXXX XXXXXXXX XX/XX/2023, and XXXX  XXXX XXXX XXXX XX/XX/2023 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023, XXXX  XXXX XX/XX/2023, and XXXX XXXX XXXX XXXXXXXX XX/XX/2023 have violated my rights : 15 USC 6801 ( a ) : States I have protection of nonpublic personal information.

15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 USC 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.

Pursuant to 18 USC 247 ( a ) ( 2 ), XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023, XXXX  XXXX XX/XX/2023, and XXXX XXXX XXXX XXXX XX/XX/2023 antisemitism, character defamation, privacy violation, aggravated identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, Can not be Verified and Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-1, 15 USC 1681c-2 , 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), 15 USC 6802, and 12 CFR 1006.34 ( c ) . 

I have not been supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof for inaccurate, incomplete, fraudulent information or information can not be verified, in fact therefore exists. 

I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.
Consumer complaint received 2023-08-02
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)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : 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
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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 ( XXXX XXXX XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2023-11-04
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. (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 ( XXXX XXXX XXXX XXXX  ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2023-01-25
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. (GA)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-10-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (WA)

National Credit Systems has NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I was sent an itemized breakdown of charges owed to an apartment complex, but no consumer contract with my signature on it. THOSE CHARGES HAVE BEEN PAID TO THE COMPLEX!

And furthermore, were there any charges remaining after the fact, I owe NOTHING to National Credit Systems. My lease contract contained an Arbitration Clause, that the complex is in breach of by sending this account to collections.
Consumer complaint received 2023-09-04
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 unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on 08/18/2023, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX