davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (IA)

On XX/XX/2023 I applied for a XXXX XXXX XXXX XXXX card from XXXX. On XX/XX/2023 I was approved for this card. The offer shows XXXX points with XXXX once a certain dollar amount was spent. Within 45 days I spent the required {$3000.00} with the card and received only XXXX bonus points. I contacted them immediately and they informed me that I did not qualify for the offer I applied for. No notice was given to me until XXXX in the form of a notice through the credit card website. The problem I have is had they notified me that the card was not approved under the terms of the offer I would not have followed through with the charges I applied to this card. I merely would have canceled the card but now that I have that on my credit report I expect them to step up and follow through with the offer that I applied for. I was misled by this offer and I dont believe they ever had any intention of giving me what I applied for.
Consumer complaint received 2023-09-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lazega & Johanson LLC (GA)

Received a bill from Lazega and Johanson sometime during the end of XXXX of XXXX for late HOA fees. This is the itemized bill : HOA fee {$990.00} late fee {$35.00} " additional assessments '' from Attorney {$370.00} Attorney 's Fee XXXX For a total of {$1600.00} XXXX XXXX called from Lazega and Johanson Attorneys at Law, in XXXX attempting to collect {$1600.00}. I didn't have the amount at the time. 

I made an online payment on XX/XX/XXXX for the amount of {$400.00}. Leaving a balance of {$1200.00}. 

On XX/XX/XXXX I received another invoice stating that an additional fee of {$230.00} in " legal fees '' would be assessed in addition to the {$1200.00} that I owed. XXXXXXXX XXXX XXXXXXXX XXXX XXXX said that Lazega & Johanson has access to my HOA account and will charge whatever they want. There is no memo or documentation in the only letter that Lazega & Johanson sent in XXXX saying that they would assess any additional fees or at which times it would be applicable.

I've left 4 messages with 4 different people to communicate my intent to make additional payments and to get documentation on the erroneous fees however, no one calls back. 
This company has numerous complaints against them for predatory and deceitful practices. I want documentation supporting why, legally, they have access to my account and to give me the schedule of fees.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WI)

On XX/XX/2023, I sent a letter regarding accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2023-09-14
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. (WI)

On XX/XX/2023, I sent a letter regarding accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 2022-12-05
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. (NY)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I have disputed several things with my credit report and the credit bureau are refusing to correct the information that should have been removed from my profile and inaccurate information is still being reported.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I've disputed several accounts and asked for re-verification for accurateness and completeness of these accounts but all I have received is letters stating they can not identify me when I have send in my utility bill, my driver 's license, my social security card and my W2. How can they not identify me? The following accounts are inaccurate, unverified and incomplete : XXXXXXXX XXXX XXXXXXXX- why is this on my credit report? 
XXXX XXXX XXXX XXXX - I was never late on this account. 
XXXX XXXX account XXXX - I have no idea what this is or if it belongs to me. 
XXXX XXXXXXXX - I don't think this is my account. I have no idea what it is. 
XXXX XXXXXXXX XXXX XXXX  - What is this? I would like this validated. This is a debt collector and I don't know who or what this is. 

I would like these investigated for completeness, accuracy and that they are mine because I don't know what most of them are.
Consumer complaint received 2023-09-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/2023 & XX/XX/2023 XXXX ran two hard inquiry on my personal credit report with Transunion. The account that I was opening was for my business. I provided my business 's XXXX number. The inquires should not have been run on my personal credit file, only on my business.
Consumer complaint received 2023-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc (OH)

On XXXX XXXXXX/XX/XXXX I received an envelope from Chime with a credit card ready to activated. I checked and no one in my family requested the card so I called the company and asked that they immediately cancel the account and any checking account that might be associated with it. 
I spoke to two different individuals who asked me to verify last 4 digits of my social, my home address and birthday. They refused to close the account unless I gave them the email address associated with the account. Since I didnt open the account I did not have this information. After requesting to speak with the fraud team and expecting the exact same request for more information I began to get concerned that they were acting in bad faith. I asked them to send a notice to my home address that they closed the account but they refused and said that if I gave them my email they would send it there. 
I am not sure if the company is fraudulent or if someone stole my PII to open the account but I am very suspicious because my credit is locked and this card does not show up on my credit history with XXXX.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2023-09-14
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP (NY)

Applied for unemployment in XXXX of 2023. I was told my XXXX XXXX checking account was not recognized by connecticut department of Labor along with a few other checking accounts. I decided to use the XXXX XXXXXXXX  instead. I was told I could withdraw funds from any institution. However that was not the case I was given error codes trying to withdraw deposited funds. I called in on numerous occasions and was hung up on. When I finally got a representative I was told I had a daily limit of {$1500.00}. Every time I tried to withdraw at a atm the transaction was declined. I went into a XXXX XXXX XXXXXXXX on or around XX/XX/XXXX in which again the card was declined. I was given an option of a cash advance to remove funds which could be processed for a fee. I was told by representative that I could go to any US bank branch to withdraw account balance. I traveled 2 hours to a US bank on XX/XX/XXXX to be told that XXXX XXXX is a Subsidiary US bank. US bank could only perform a card advance for a fee. I was told I was not the only one experiencing this issue. Please advise
Consumer complaint received 2023-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OH)

I noticed my Chase account had been charged {$16.00} for an Amazon XXXX account for the last 17 months. I didnt notice initially cause I thought it was our Amazon account but my husband informed me that he pays for our Amazon account with his credit card not our debit account. I contacted Amazon for more information and found out it isnt our account at all but I was being charged for it. We checked if friends or family use the account but nothing. I contacted chase and let them know what I discovered. They made claims for all of the money that was taken fraudulently. They informed me today that they wouldnt be returning my money because it was over 60 days old. They would only return 3 payments. I would like the rest of the money that was stolen from my account ; {$220.00}.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 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 2022-12-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (TX)

XXXX  XXXX XXXX  Dates : XXXX Amount : {$16000.00} I have contacted the Medical Facility who confirmed this was the XXXX XXXX Debt and they sent me all supporting documentation. 

I contacted a attorney whom is going to file a suit if I am unable to get this resolved. 

I have also contacted all 3 credit bureaus by phone and online and have disputed this twice now. 
My supporting Documentation cleary shows the XXXX XXXX debt and responsibility.
Consumer complaint received 2022-12-22
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. (CA)

The credit reporting agencies have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the account XXXX. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the charge-off posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the 4 parties. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting. 
XXXX  XXXX Date Opened : XX/XX/2017 Balance : {$1600.00}. 

. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but TransUnion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There is a bankruptcy and multiple negative accounts that appear on my credit file. The bankruptcy courts confirmed to me that they do not validate or verify any bankruptcies or information related to bankruptcies to any credit bureaus. This appearing on my profile is also a result of identity theft. I asked the CRA to remove this information and they said they verified it with the courts. How is that possible if the courts don't verify bankruptcies? This means the CRA is lying and this information is unverifiable and by law must be deleted. I am having trouble obtaining housing and employment due to the damages on my report and my reputation. There are also multiple negative accounts that need to be removed. The CRA is also violating multiple FCRA laws such as follows -15 USC 1681 is a section of the United States Code that outlines the rules for consumer reporting agencies. Specifically, it states that 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. 

If, after any reinvestigation under paragraph ( 1 ) 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 promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation.

-Rule 9037 of the Federal Rules of Bankruptcy Procedure is a privacy protection rule -15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 
- ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2023-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (MA)

It's been 4 months since I reported fraudulent activity on my credit card and Chase Fraud Recovery continues to tell me it is a valid transitions because the " card was present ''. To debunk this claim that my Chase Credit Card was " present '' at a XXXX store where someone purchased {$200.00} worth of items on XX/XX/XXXX... Ive sent/included : 1. The original fraud alert text message from chase that I got on my phone - in which I replied NO I did not make the transaction 2. The fraud alert email from chase- which I received right after the text message 3. A police report they made me file detailing the activity of fraud with my local police department 4. A recording they made me get of a phone call between me and the manager of the XXXX from the night of the fraud - in which he clearly says there was fraud and retells the same series of events as I described many times 5. A TRANSCRIPT of the phone call with the XXXX manager who WITNESSED the FRAUD because their system wont accept audio files or open the link I sent with the recording after they made me get one...

In addition, they have record of me calling into their customer service moments after I received the fraudulent alerts, in which the agent recognized the fraudulent activity and cancelled my credit card and issued me a new one immediately. 

I've talked to countless people their and after reviewing all this evidence and making me jump through hoops to get it, they continue to tell me it was a " legitimate transaction '' for {$200.00} at XXXX because the " card was present '' ... 

If I have to pay for this fraud I will ABSOLUTELY be closing the card and re-assessing my relationship with chase which includes 5 years of loyalty, 5 personal credit cards, and 3 business credit cards, with no defaults and a history of always on-time payments. 

I am truly appalled with how Chase has handled this...
Consumer complaint received 2023-09-14
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. (PA)

On XX/XX/2023, I sent a letter regarding accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

The following information needs to be deleted as I have disputed this inaccuracy multiple times. I have attached a letter from BK court showing this account they never reported to any third party entity I demand immediate deletion and future blocking of this account.
Consumer complaint received 2018-05-02
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 — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (AZ)

I have tried on more than one occasion to dispute the verbiage on my credit report. XXXX refuses to change it despite my efforts. XXXX, JPMogan Chase Bank, and XXXX XXXX state they can not fix the problem since they don't actively have the debt. The debts were discharged in bankruptcy. XXXX   need to resolve it and post it accordingly. Each entity needs to post accordingly. These debts were not claim paid, charged off, written off, or transferred. They were discharged in bankruptcy due to fraudulent payment activity, debts the trusts could not prove they owned, collections lawsuits on debts that can no longer legally be sued over, reporting negative credit information, and suing consumers for debt without proper documentation, and filing false or improperly notarized legal documents. As of XX/XX/2018, XXXX   states that the debts " Comments on your account changed from Consumer disputes - reinvestigation in process to Consumer disputes - reinvestigation in process, Transferred to recovery, Charge off account, Student loan ''. So essentially I have made " XXXX '' progress despite of the fact I sent them my bankruptcy discharge documentation on XX/XX/2018.