davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-17
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: Experian Information Solutions Inc. (NV)

I reached out to Experian Dispute center for investigation and verification of a wrongfully reported account on my report. It has been over 30 days and I havent received any response or documents with any signatures or validation. 

Account : Financial Assistance # XXXX
Consumer complaint received 2022-11-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

I am seeking reimbursement of {$1400.00} from JP Morgan Chase Bank. 

On XX/XX/2022 my XXXX XXXX XXXX checking account received an XXXX debit from JP Morgan Chase Bank in the amount of {$1400.00}. 

I authorized this XXXX debit when I set up XXXX. The funds should have been applied to my Chase auto loan # XXXX due on XX/XX/2022. I received a text via XXXX message that the XXXX transaction had occurred on XX/XX/2022. 

On XX/XX/2022 I received a notice from Chase Bank indicating my payment was overdue at which time I called XXXX XXXX to verify a record of the transfer to Chase Bank. 

XXXX XXXX Bank statement for XX/XX/2022 was obtained which indicates the transfer of {$1400.00} on XX/XX/2022 from my business checking account with the XXXX XXXX XXXX ID # XXXX. 

On XX/XX/2022 I called Chase auto finance and was informed that no funds had been applied to my auto loan. I spoke with XXXX, a Chase supervisor in the XXXX XXXX department and provided her with an image of my XXXX XXXX Bank XXXX. XXXX escalated the claim, but I did not immediately follow up on the status of the claim. 

On XX/XX/2022 I called Chase to follow up my claim and spoke with XXXX, a different Chase supervisor. I provided the XXXX XXXX bank statement and Trace ID of the XXXX debit. XXXX explained the XXXX Department required a source of receipt to release funds which is possible in a bill payment transaction where a bank forwards a check to another and copies both sides of the check. In the case of an XXXX  debit the only source Im aware of is the XXXX XXXX outgoing Trace ID which I already provided to Gee. 

XXXX contacted me on XX/XX/2022 and said that she did not have the authority to override the XXXX XXXX Department decision. XXXX added there is nothing they can do without the source of receipt. 

I made the XXXX payment within the grace period to avoid a late fee. I am current with my Chase auto loan, and I have never been late during the past 52 months of a 72-month contract. I have never had any problems with Chase Bank, and I hope Chase Bank would treat me with respect and reimburse my money.
Consumer complaint received 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am disputing the account ( s ) stated in this document. Previously, I disputed this account information as being inaccurate, incomplete, and invalidated and you responded by stating you were able to verify or validate this debt. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made.I have contacted the creditor myself, and they have failed to validate that this is indeed my debt with the original contract/note. I have copies of my requests to the creditor, asking them to validate the debt with contracts, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation as owning this debt to these creditors. I have every right to believe This debt is not mine. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. If you can not verify the items, And you continue to report it on my credit. I will find it necessary to ( Sue you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court. 
including a small claims court in my area. This is my warning. I demand you to delete these items at once.
Consumer complaint received 2022-10-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX 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.
Consumer complaint received 2023-02-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MI)

Saturday XX/XX/18 I sent a XXXX payment through my chase app of XXXX at XXXX to an individual Who I thought was a vetted individual ( friend if a friend, former student of a friend ) for concert tickets. This person was real but his account had been hacked and therefore was sent to an unknown individual. XXXX and chase are refusing to do anything about it.
Consumer complaint received 2022-11-03
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: EQUIFAX, INC. (MI)

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. State of mi office chi XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX dept of EdXXXX XXXX, ,XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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.

Transcript Follow along using the transcript.
Consumer complaint received 2022-11-03
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. (MI)

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. State of XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX, XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 XXXX 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. 
Transcript Follow along using the transcript.
Consumer complaint received 2023-05-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: NAVY FEDERAL CREDIT UNION (CA)

I lost my job and started to accrue returned check fees from company 's that were automatically deducting from my account. I made Navy Federal aware of my situation and they said there's nothing they could do other than to close my account and that I couldn't even do that unless my account was positive. As I was negative and desperately needed the funds and my last direct deposits, that wasn't an option. From XX/XX/XXXX to XX/XX/XXXX, I accrued 16 total returned check fees totaling about {$460.00} which downright seems criminal. They only approved to return 4 fees totaling {$120.00} or about 25 % of collected fees. Is there something that can be done about this? Is this considered ethical? Did it cost them {$340.00} for an automated system to reject a charge? Please let me know. Thank You
Consumer complaint received 2024-04-01
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally request the removal of fraudulent activities associated with my identity from my credit file. These unauthorized transactions have been erroneously linked to my credit history, adversely affecting my financial standing and personal reputation.

Upon discovering the fraudulent activities, I took immediate steps to address the issue and mitigate its impact. However, despite my efforts, the unauthorized transactions continue to tarnish my credit report, posing a significant obstacle to my financial stability and peace of mind.

I kindly request your assistance in expediting the removal of these erroneous entries from my credit file. This action is crucial to restoring my financial integrity and ensuring that I am not unjustly penalized for activities that I did not authorize or participate in.

I understand that rectifying this matter may require cooperation between your company and the credit bureaus. Therefore, I urge you to take swift and decisive action to resolve this issue and provide me with confirmation once the erroneous entries have been successfully removed from my credit report.

Your prompt attention to this matter is greatly appreciated. Please feel free to contact me at XXXX XXXX if you require any further information or assistance. 

Thank you for your cooperation and understanding. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-11-03
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)

incorrect date of the first late payment this account is more than XXXX XXXX XXXX from the first late payment account # XXXX XXXX, account # XXXX XXXX  XXXX
Consumer complaint received 2022-11-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: ALLY FINANCIAL INC. (TX)

I signed for my son XXXX XXXX to establish credit on a car on XX/XX/22 at XXXX XXXX in XXXX XXXX we both were on the loan with Ally bank. When it came time to make the payment on XX/XX/22 I XXXX XXXX was the only one on the loan.I called Ally to figure out what happened, they said that I was the only applicant on the loan which I was never notified that my son was denied credit. Yet the dealership took our down payment and changed terms without my knowledge. The bank is supposed to be sending me a copy of the loan agreement. I called 3 times to the dealership after the 3 time I finally got ahold of finance manager XXXX, he was going to look in to the situation and call me back that was XX/XX/22 but I think he knows that there was fraud done here on there behalf. Seems like neither the bank or the dealership want to own up to the problem. All I wanted was for my son to establish credit. I really dont know how to get them to fix this issue.
Consumer complaint received 2023-05-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

Coinbase has locked my account and not allowed me to withdraw my funds. This started over a month ago and I have been trying for 2 weeks to remove my cash from their system. Their support team has stalled and when pressured by posting to an online forum for Coinbase, simply reached out to me to say my account is still locked without providing any explanation. I have tried contacting them by phone but they said that the only way for it to be unlocked is through email. They are delaying as much as they can and I feel like they are going to continue saying the same thing. Please help me withdrawal my money from them!
Consumer complaint received 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIZENS FINANCIAL GROUP, INC. (IN)

Images I included are from XXXX  XXXX  and messages in past years I received from them. I also have other documents from local courthouse. XXXX refuses to give me any statements Images reflect loan was taken out in 2018 and other image shows it the following year opened up.. only one home reported on my credit wihich its not deeded to me and Ive never made a payment whatsoever
Consumer complaint received 2023-05-16
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CO)

Please CFPB people follow this complaint and make sure that it is answered reasonably. I keep submitting complaints and I can't even get a single point of contact assigned to my case in response. Carrington answers in volumes of irrelevant words and does not address the problem. No one is holding them accountable. They have also claimed that my complaints are duplicates. They are not duplicates, Carrington has not addressed the problems in the complaint!!!! THIS IS NOT A DUPLICATE!!!! Background : I qualify for over half a million dollars in mortgage loan ( see attached pre auth letter ), we can not refinance this property because it is in default due to a financial/medical problem from XXXX, three mortgage servicers ago. Moving isn't an option for us at this time or we would move. We have not been assigned to a single point of contact despite the laws that require this and multiple CFBP complaint to this effect. We have submitted countless modification applications to Carrington and they are not following VA loss mitigation guidelines either. They are cancelling my loss mitigation applications without cause, without reasonable notice and in opposition to their own statements. We submitted a full hardship application with a letter of explanation for the one piece of information that I was unable to get. A letter was sent to my attorney stating that the application was complete and to send some documents " if applicable '' ( Carrington letter attached ). The documents were not applicable, we submitted everything else, Carrington cancelled the loss mitigation application with no further communication. My attorney responded with the attached letter dated XXXX XX/XX/XXXX from XXXX law. Carrington did not respond. We submitted yet another loss mitigation application on roughly XX/XX/XXXX. We received an email on XX/XX/XXXX ( attached ) stating that it had been received, would be reviewed and sent to underwriting. On Friday, XX/XX/XXXX ( XXXX attached ) I received an email stating that what I had submitted was incomplete and to call the main number at Carrington to discuss, NOT a single point of contact. Today, which is my first opportunity to call, is Monday, XX/XX/XXXX and I received a letter stating that my modification application had been cancelled for lack of receipt of additional unspecified documents. I was given no time and no information to succeed. How is this reasonable? Please assign my case to a single point of contact. Send me a document with this persons name and contact information and how to reach them by phone. Follow VA loss mitigation guidelines as well as Colorado and federal laws please. This is circular, time consuming and stressful to the point of causing physical symptoms. Please assist us in getting a reasonable solution. We are more than able to pay the mortgage at this time. We need a plan to pay what has accumulated in arrears due to the hardship years ago.
Consumer complaint received 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX, but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-12-05
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. (CO)

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 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 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
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX {$930.00} XX/XX/XXXX XXXX  XXXX {$1000.00} XX/XX/XXXX XXXX  XXXX {$1800.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$4500.00} 12/13/2021 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.