davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (SC)

A collections account was opened against me XX/XX/XXXX for an amount of {$620.00}. I have never heard of this company nor have I received any information from this company. I tried calling the company to only be met with a voicemail and never heard anything back. I've disputed this with XXXX and they failed to remove the collection from my account which I have no knowledge of. The balance right now is {$730.00}. An investigation/dispute through XXXX has been made in XXXX of XXXX and XXXX refuses to reinvestigate the situation.
Consumer complaint received 2022-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (NY)

Chase put a restriction on my checking account on XX/XX/XXXX. Would not tell me why they did it. After 30+ years they said that they are cutting ties with my. But after the account was put into restriction status, Chase accepted direct deposits to the account. I had to go to the back branch on XXXX XXXX XXXX numerus times to see what is going on. This is because the they would not tell me over the phone. I had to tell them that the funds that they accepted was after the account was restricted. And I want my money from them. The first time the staff was able to get the check released from the account by someone over the phone. The next day the did the same thing. So another trip to the bank. That time the staff was very rude and was not able to get the funds released by someone she called. She had to go to the manger. He released the funds from that check. But without saying Do not return to this branch any more. She said you can go to any branch if there is anymore problems. I checked my account sure enough there was another check posted. I called up and talked to someone on the XXXX of XX/XX/XXXX. That woman said that the account would be closed in XXXX business days and that I can go to the branch and get the fund there. But on XX/XX/XXXX I checked the account there was a ZERO balance and that the was a withdraw of the balance of the funds in the account. At that time I called the Number on the card and was transferred to someone that can help. That person said that was never the case that if I went to a branch they would issue me a casher 's check for the amount. She still never informed me why they closed that Chase is cutting ties with me. But the check was cut and it should be her by next week sometime. This is not right to find out that your account ties was terminated by calling up them after your card was declined why purchasing items at a store. That made me feel so low. I feel that Chase should called the number on file on XX/XX/XXXX to tell me. Not me finding out on XX/XX/XXXX at a store.
Consumer complaint received 2022-12-23
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. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the accounts : XXXX XXXX XXXX Balance : {$380.00} ; XXXX XXXX XXXX Balance : {$420.00}
Consumer complaint received 2022-12-23
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. (TX)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.
Consumer complaint received 2023-11-03
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pacific Rim Alliance Corporation (CA)

I have a payday loan with CheckMate I got into financial trouble and they refused to help me at all they didn't even offer me a payment plan to get me out of the debt they refused to work with me, and they took money out of my account when I asked them not I told that I revoke the ach payment and don't take it out of my bank they took {$300.00} from my bank and caused my bank account to go negative..
Consumer complaint received 2024-03-31
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. (OH)

I reviewed my Consumer Reports and noticed that l had two late payments on an account that I was never late for Consumer Reporting Agencies have assumeda vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. Ihave never been late on payments for the account XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXXPlease investigate and provide Proof with statements showing that these payments were late. If proof can t be provided I demand these payments be updated to on time as they should be as l was NEVER late. Thanks.
Consumer complaint received 2023-09-03
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: MARINER FINANCE, LLC (PA)

Mariner finance. Reporting I owe over XXXX XXXX. They first said I owed XXXX. Now it has doubled and is destroying my credit rating and my life. 
I never applied for a loan. This company sent me a check. I assumed it was for a refund I was owed due to a financial settlement from a class action suit. I never read the fine print, nor did I ever apply for a loan. I want the original amount added to my report. This is the only black mark on my credit. The XXXX is unreachable. Help me settle this.
Consumer complaint received 2023-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Under 15 U.S. Code 1681e ( b ) and 15 U.S. 1681i ( 5 ) this account in violation XXXX department of Human Resources not reporting 100 % accurate it lists the child support court as the furnisher thats forgery and misleading when the court dont report this information you have to have my written consistent to furnish this data on my consumer report.
Consumer complaint received 2023-06-16
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, 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.

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 2022-12-23
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. (MA)

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 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 2022-12-23
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)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-12-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

my husband fell ill with XXXX  and we were in a current XXXX XXXX bankruptcy at the time and he ended up with several health problems which resulted in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and we fell behind on our bankruptcy payments but the entire time we were in bankruptcy their lawyers were filing for sherriff sales every 2 to 3 months which just kept racking up fees even our lawyer contacted them asking why after 2 years of consistent payments were they still filing continued sherriff sales and their lawyers got my motion for stay lifted and I have my current sherriff sale for XXXX I tried contacting the company for any kind of retention options and they refused to work with me they said they will only offer cash for keys and we have paid their lawyers close to XXXX just in fees and they have put much more on us and all we're asking for is some type of loan modification or something so we can save our home that we have lived at since XXXX
Consumer complaint received 2017-09-20
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: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

On XX/XX/XXXX, Bank of America credit card reversed a charge back in the amount of {$2500.00} previously issued against XXXX XXXX XXXX XXXX also known as XXXX  Held Desk. Bank of America alleged : " We can not intervene in situations involving a merchant 's return, refund, or cancellation policy ... Merchants may operate their businesses independently and set return and refund policies that best suit their business needs. I disagree and believe that Bank of America 's assertion is in violation of the Fair Billing Act, my consumers rights by using services not provided or received and also it constitutes a breach of contract with Bank of America cash reward credit card. 

The presenting issue stems from a travel ticket I previously purchased with my Bank of America Visa Cash Rewards through this Agency with its Headquarters in XXXX XXXX, CA. I was unable to use the ticket for travel as intended because I was wrongfully prevented from boarding the plane by the airline through no fault to me. While in transit at the XXXX airport, XXXX and traveling to XXXX as a dual citizen of XXXX and the USA, the travel agent did not realize that I did not need a visa on my USA passport and that my XXXX passport was sufficient. When the XXXX airlines eventually realized the error, the plane has departed. I contacted XXXX XXXX XXXX or XXXX Help Desk at the airport and was denied boarding another plane reportedly because my ticket was non refundable. Other monetary damages and losses occurred as a result as I had to return immediately to the United States from XXXX XXXX. 

I would like a review of the basis of Bank of America 's denial along with its investigative process. I do not believe that Bank of America conducted a fair investigation into this matter, has partially sided with the merchant and have not followed up the rules and regulations of consumers rights related to services and goods not received. This was through no fault to me and caused by the merchant 's negligence and predatory tactics. I have never been afforded due process as I have been unaware of the merchant 's response. I should have been given the opportunity to respond back to the merchant 's allegations or some evidence should have been collected and presented.
Consumer complaint received 2022-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello my name is XXXX XXXX .I writing requesting help in this matter .I gave a XXXX loan with XXXX that was purchased by XXXX XXXXBut it shows on my credit report as me owing both parties when that is not the case. Im wanting XXXX removed from my credit report, because it make my report look bad seeming to owe more than what i do .Im making a formsl complaint to XXXX XXXX Transunion XXXX and XXXX XXXX If not all three XXXX is the first one.
Consumer complaint received 2022-12-23
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

Hello, so on the XXXX of XXXX I noticed I had two transactions one on my Chase online for XXXX  dollars and another for XXXX  dollars on my XXXX XXXX, this was all through XXXX. I called XXXX XXXX and they deemed it fraudulent and I was returned my money. Chase said I approved the transaction, I called asked for evidence and why it was denied the lady said she cant talk about the case past XX/XX/XXXX. I was notified that my claim was rejected on XX/XX/XXXX. My phone number was taken and XXXX XXXX saw three unknown areas were logged into and Chase either never looked into it or thought I was out of the country at the time. The man who scammed me was using my own number to call and harass me when chase first reversed the transaction. I never got notified of my transaction with the scammer until a day later. The photo shows him added himself then showed I didnt wan na receive messages at this number. Yet I responded with nothing.
Consumer complaint received 2017-09-20
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (TX)

I am in the process of purchasing a home and noticed that Syncb/Qvc marked me late for XX/17 for 30 days and XX/17 for 60 days. I never recieved a statment or anything showing I was past due. To my knowledge the last payment I made paid off the balance I was owing. I have called to Syncb and they are only willing to credit me the late fees and have refused to remove the lates from my credit report. There was only {$44.00} owed which I dont know how it happened because I have not used this card in quite some time and they closed the account due to in activity.
Consumer complaint received 2023-11-09
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)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (IL)

In accordance with the Fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 0 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MI)

XXXX XXXX ran my credit report 3 times for the same application. 2 were in the same day, but it was their automated system that I didnt authorize to run my credit report 2 in the same day. The third inquiry for the following day should be the only inquiry on my credit report.
Consumer complaint received 2022-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Equifax is reporting incorrect information and is a result to me being homeless. I have disputed the following : * XXXX- I have never lived there my wallet was stolen. They didnt fill out my debt validation request. They have a old Driver licenses that got stolen. I have a police report. XXXX removed this debt * Procollect- I never lived in Texas XXXX All the have is documents that they claim match my signature. This is also false. XXXX and XXXX removed this debt. 

* XXXXXXXX XXXX- This company does not respond to me. This was removed on XXXX. This is a false claim * XXXX XXXX This debt was paid and settled. I provided them receipt and they still wont remove. Its been over 60 days
Consumer complaint received 2023-08-08
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. (IL)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC (IL)

In accordance with the Fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 0 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2022-12-23
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. (VA)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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.