davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2020 i went into a Chase branch to cash a lawsuit check and deposit another one as well as open a account to keep the deposited amount. My funds were available at the moment and a few days after i was notified my account was closed. The first reason was because i had a pending balance on a old account. When i returned to the branch to issue the problem i was told it was closed because of prior account history. That my check would be issued for the amount deposited as a cashiers check. I waited about 15 days before contacting chase multiple times in regards to my funds. I received different information everytime i have called. First i was told they need to have the funds verified. Also i was told they had a missed call from the issuer but they had been having trouble contacting them back. As well as in one occasion i was told to take paperwork of the lawsuit to the branch which i did, once i was there were contacted and decided that was not enough after all. I have been calling chase to try to get updates and have them call the numbers but all they say is that the hold time is too long. I really need my money and i don't understand why its being held if it was available and the check was confirmed when i deposit it to the bank. The bank has my money in a suspense account gaining interest fees from it.
Consumer complaint received 2023-08-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (PA)

To Whom It May Concern, I hope this message finds you well. I am writing to formally dispute the information provided regarding the account held by XXXX XXXX XXXX, which was originally associated with XXXX XXXX XXXX XXXX XXXX The account details are as follows : Account Name : XXXX XXXX XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2023 Balance : {$560.00} Balance Updated : XX/XX/2023 Status : Not Specified Past Due Amount : {$560.00} I am disputing the accuracy and validity of this account for the following reasons : Lack of Clarity : The provided account information lacks clear and comprehensive details about the nature of the debt, the transactions, and any associated terms. Without this information, it is difficult for me to verify the accuracy of the reported account. 

Timeliness of Reporting : The account was reportedly opened on XX/XX/2023, and updated in XX/XX/2023. I find it puzzling that this account could have been opened, updated, and incurred a past due amount within such a short span of time. 

Lack of Documentation : I have not received any communication or documentation from either XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX  regarding this alleged debt. It is imperative that I am provided with proper verification and documentation of this debt 's existence and validity. 

Discrepancy in Balance : The reported balance of {$560.00} does not correspond to any known transactions or financial activities on my part. I would appreciate a detailed breakdown of how this balance was calculated. 

Given the discrepancies and lack of substantiated information, I am requesting a thorough investigation into this matter. I kindly request that you provide me with the following : Validation of Debt : Please provide documented evidence that validates the existence and legitimacy of the debt in question. 

Detailed Account Information : Provide a comprehensive breakdown of the account activity, including any transactions, payments, and changes in status. 

Terms and Agreement : Furnish a copy of the original agreement and terms between myself and XXXX XXXX XXXX XXXX XXXX  that would support the validity of this account. 

Proof of Ownership : Demonstrate proof that XXXX XXXX XXXX has the legal authority to collect this alleged debt. 

I am committed to resolving this matter and ensuring the accuracy of my credit report. Your prompt attention to this dispute and provision of the requested information is greatly appreciated. Please consider this letter as an official request for verification under the provisions of the Fair Credit Reporting Act ( FCRA ) Section 609. 

I look forward to a timely resolution of this dispute and the subsequent correction of any inaccuracies on my credit report. Please provide all correspondence in writing to the address associated with this account. 

Thank you for your cooperation.
Consumer complaint received 2022-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

By checking attachment should notify you as progressive settling XXXX XXXX XXXX on vehicle that XXXX lies about paying off. I request repossession document which includes VIN number, date it was repossessed. Im writing about the following data that appears on my credit report. Im challenging the validity of this record showing a debt that is recorded in my system under the FCRA, Fair Credit Reporting Act, Section 609. I am asking you to verify this record. If you can not verify this record, I request you remove this data from my account immediately. 

Disputed Item 1 <XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX > Reasons why this is an error : 1 ) car was traded in for upgraded vehicle. XXXX to XXXX XXXX 2 ) dealership changed bank from XXXX XXXX XXXX XXXX XXXX XXXX 3 ) only one bank should be reported as completed and closed which should be XXXX 4 ) no repossession 5 ) repossession documentation, when car was towed and repossessed. Car cant be repossessed and new loan opened same bank.
Consumer complaint received 2020-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (FL)

I went to XXXX to get copies of my credit reports. Upon finishing each one ONLY XX/XX/XXXX allowed me to download the report as a PDF. The other 2 only allowed printing. They should all allow you to download your report. Lot of people can't afford to use tons of ink to print each one. 

In addition, Annual credit report.com should be REQUIRED to have a help line the consumer can call into with these kinds of problems. Thank you.
Consumer complaint received 2016-08-26
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (FL)

My checking account with Wells Fargo Bank , N.A . ( Acct XXXX. XXXX - Account Name : XXXX XXXX ) has been charged {$14.00} for a " Direct Connect Fee '' that shows up on my statement as a XXXX Banking charge from XXXX/XXXX/2014 to date. I never used this service and was enrolled in error. When I try to complain to Wells Fargo, various telephone transfers move me from XXXX department to another with no one taking responsibility to correct the problem so I ask for a physical mailing address and they REFUSE TO GIVE ME A MAILING ADDRESS.
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Account # : XXXX In accordance with the Consumer Credit Protection laws, I am requesting immediate actions to this matter.

15 U.S.C 1681i ( a ) ( 5 ) ( a ) states that if, after any reinvestigation of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall.

1. Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and 15 U.S.C 1681i ( a ) ( 5 ) ( a ) states that if, after any reinvestigation of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall.

1. Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and 2. Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

15 U.S.C 1681 ( a ) ( 6 ) ( a ) states that a consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 
I am Requesting : Please send all correspondence to this matter via mail XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX U.S.C 1681 ( a ) ( 6 ) ( b ) states that, as a part of, or in addition to, a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-days period.

1.A statement that the reinvestigation is completed, 2.A Consumer report that is based upon the consumers file as that file is revised as a result of the reinvestigation.

3.A description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name, number and address of any furnisher of the information contacted in connection with such information.

4.A Notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the information ; and 5.A notice that the consumer has the right to request that the consumer reporting agency furnish notifications under that subsection. 
I am Requesting : Please Provide in everything writing to XXXX XXXX XXXX, XXXX, XXXX  XXXX Additional Request in writing : 1.Originally Signed Contract ( s ) and Proof of CONTRACT ( s ) 2.All Payment Statements and Complete Breakdown of original contract, changes, charges, or adjustment including dates and reason.
Consumer complaint received 2023-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (FL)

An XXXX XXXX was opened with Comenity Bank using my info fraudulently. After several attempts of contact, I was unable to make headway on cancelling the application and thus the card. Instead, I used XXXX Bank credit and fraud services in conjunction with XXXX to contest this application and item on my credit report. They were able to successfully work with Comenity Bank on getting the card closed and application rejected as fraudulent. XXXX is also working to remove the application and card from my credit report with all 3 bureaus and has placed a fraud notice on my reports for future inquires.
Consumer complaint received 2020-12-15
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: Credit Systems International, Inc. (MD)

XXXX XX/XX/XXXX, {$340.00}. this is the action taken. I MOVED TO MARYLAND IN XXXX AND HAVE NOT BEEN BACK TO ALABAMA. This just pop up on my credit report. I do know that XXXX XXXX who lives at XXXX XXXX XXXX, XXXX Alabama have done Identity theft in my name using information she broke in my home in XXXX and stole my personal papers. I had to do a police report in XXXX for XXXX XXXX XXXX for cable and TV IDENTITY THEFT. This collection on my credit report just POP UP from space and if not corrected will remand on my report for 7 years due to no fault of my own I have been using XXXX FOR XXXX, XXXX FOR WATER, AND WASHINGTON GAS every since I moved to Maryland in XXXX and i have been provided service from theses companies without no interruption. I paid and cancelled all services in XXXX and have not been back since.
Consumer complaint received 2023-01-02
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)

Improper use of my consumer report I XXXX XXXX consumer, XXXX! natural person, Please be advised this WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Delete this account immediately and update all the late payments, unless you want to be held {$1000.00} per violation Under 15 U.S. Code 1681b Permissible purposes of consumer which is fraud v FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING XXXX  XXXX XXXX XXXX Account Number : XXXX Late payments v XXXX XXXXXXXX XXXX Account XXXX : XXXX. Please immediately delete this item. 

XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Remove Late payments XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Under 15 U.S. Code 1681b.XXXX XXXX XXXX Account Number : XXXX Remove Late payments XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Number : Remove Late payments XXXX XXXX XXXX XXXX XXXXAccount XXXX Remove Late payments XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Remove Late payments XXXX XXXX
Consumer complaint received 2020-12-16
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: CORELOGIC INC (FL)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX, CREDCO, on XX/XX/XXXX, XXXX XXXX/XXXX ( the report does not include information about the creditor ) and on XX/XX/XXXX, XXXX XXXX XXXX XXXX ( the report does not include information about the creditor ) add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2017-05-15
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. (NV)

Experian,   XXXX   and  XXXX  have just added  XXXX  " 90 day late '' marks on my credit report for my closed and paid off   XXXX   XXXX   XXXX  . I paid this account off a couple of months ago so I do n't understand why there are new late marks when there is n't even a balance on the account. The account number on my credit report is "  XXXX  ''. How is this possible? How can I be late on an account that has been reporting as paid for months? I am including a screenshot of a   XXXX   XXXX     report and another screenshot of a   XXXX   XXXX     report for comparison. I have highlighted the information that is incorrect.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act XXXX Account ( s ) Name ( s ) and Number ( s ) : Account name : XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2020-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 

1. Company Name : XXXX XXXX  XXXX  Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX  Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX  Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX  XXXX  Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft
Consumer complaint received 2020-12-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (NJ)

I opened a saving account with TD bank on XX/XX/XXXX and did a fund transfer with {$20000.00} from my XXXX XXXX  to TD bank saving account on the same day right after the account is opened. 

TD bank closed my account for some unknown reason afterwards and sent an email stating that the fund transfer was unsuccessful. 

However the money didn't go back to my XXXX  XXXX  account untill now. 

I've reached out to one of the TD bank branch and also filed a complaint with XXXX XXXX. However the issue is still not resolved. 

Attached is the reponse from XXXX XXXX. 

Please take this complaint seriously. All the actions are performed and instructed on TD bank online system, TD bank should make a graceful transaction.
Consumer complaint received 2020-12-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NC)

In XX/XX/2020, Wells Fargo charge me for an overdraft that they claim to have paid for me first off I didn't have any money in my account and I have overdraft protection to avoid this what I don't understand is how is it possible for them to continue to let this happen I have numerous of charges from XXXX  and XXXX from 2 or 3 months ago I want to be reimbursed for those charges ALL of them. Wells Fargo is doing a FRAUDULENT activity they told me that we're only going to go back 60 days from today when I been getting charge way before that I prayed that every WELLS FARGO gets SHUT DOWN!! I'm so tired of them not be punished for their scandalous doings.
Consumer complaint received 2020-12-16
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. (NJ)

IVE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES.IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND UNQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2020-12-16
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Outsource Group, Inc (MD)

Medicredit Corporation, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX or XXXX. XXXX XXXX, XXXX  XXXX, MO XXXX. Medcredit is in violation of 8 Federally Protected Consumer Rights Violations Under 15 USC 1692 and Violation of HIPPA. In pursuant to 15 USC 1681a ( 3 ) violated the restriction on sharing of medical information. I pursuant to 6802a Medicredit Corporation may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information. In pursuant to 15 USC 1692e ( 3 ) False or misleading representation or implication that any individual is a lawyer. Also, this is a violation of my HIPPA rights. I am allowed under the HIPPA Law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records form third ( 3 ) parties. I do not recall giving permission to MEDICREDIT to release my information. Please provide a copy of my signature with the Medicredit to release my medical information to consumer reporting agencies. Immediately remove and cease any medical information from the consumer reporting agencies website. To account is paid in full. This corresponding was sent via certified mail.
Consumer complaint received 2020-12-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

Equifax is replied to a consumers complaint the following : Company 's Response to complaint number XXXX The identification information you provided does not match our records. In order to properly assist you, we will need additional information in order to verify your identification and current address. Please provide a legible photocopy of a valid document that shows your name, current address and complete social security number. Listed below are examples of documents that may be provided as verification of your identification and current address : Pay stub or W2 with complete U.S. social security number, valid social security card, Driver 's license, rental/lease agreement/house deed, mortgage or bank statement, utility bill for gas, cable or residential telephone bill. Please return this letter along with the requested information to Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX. 

Now my question is, why did Equifax did not send me a letter asking for additional documents for a dispute I sent in XXXX of 2020. I will attach the documents I have sent them with my disputes. Let 's see what excuse they give me now