davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (MO)

I have been trying to do a mortgage modification with my lender Chase sinceXX/XX/XXXX. I have been unsuccessful with them since my ex-husband 's name is on the deed of trust. My ex-husband is in XXXX for domestic abuse. I applied for a modification due to financial hardship and falling behind on my mortgage payments when I first had him removed from our home. Since then I have been able to repair my financial situation and want to make good on my mortgage, however Chase is being very uncooperative. They will not grant a modification due to his name being on the Deed. I have explained that he is in XXXX  and refuses to sign and quit claim deed or power of attorney. My attorney has tried to threaten him with legal action, however he does not care. My attorney, the title company 's attorney and the mortgage specialist at Chase spoke at one point in XX/XX/XXXX and said if I signed a quit claim deed from my married self to my single self, and had that recorded with my divorce decree which clearly shows I was awarded the property, they would remove him from the deed. I did all of this and provided the original recorded copies to Chase. Chase is still refusing to do the modification work and is still asking me for a Quit Claim deed to be signed by my ex-husband. I have escalate this to the executive office and they were no help and have told me their research is closed as of XX/XX/XXXX and I need to provide the quit claim deed, along with proof of child support and alimony payments. I can't do anything else at this point. I am being held hostage in this house by a man that is in XXXX. I am trying to do what is right and make good on my mortgage and Chase is refusing to assist.
Consumer complaint received 2023-04-06
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)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2024-04-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Chase bank put a XXXX week hold on my check. I started a business checking and had deposited my first check for {$350000.00}, the issuing bank is bank, released the funds and have no problems. But chase wants to speak to my client. I offered to give them the phone number but it wasnt coming up under his name with their system. Their system needs an update. So they are holding my funds indefinitely until I can get his number to show up in there system before calling
Consumer complaint received 2023-08-08
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. (OH)

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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-07-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ERC (CA)

Upon reviewing my personal credit report i found innacuracies. An account called Enhanced recovery with an original creditor called Charter communications, I have no knowlege of and does not belong to me is being reported to my XXXX reporting. A collection is by " DEFAULT '' past due and therefore listing a past due amount is innacurate/error. Also this collection is listed an " OPEN ACCOUNT '' which is not under the FCRA compliance. This reporting is innacurate and needs to be removed immediately
Consumer complaint received 2023-06-15
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. (NV)

My rights are been violated by credit bureau they are reporting inaccurate information violating my rights to privacy also they are furnishing accounts without any permission after I told them that this was fraudulent activity I have attached my identity theft form on the bottom please help me remove these immediately thank you so so much 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 2024-07-02
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. (MI)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter, and I am including it once more. I've educated my lawyer regarding my aims, and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2015 XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$3900.00}
Consumer complaint received 2023-08-07
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)

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.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-08
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. (NV)

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-17
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. (MI)

In accordance with the Fair Credit Reporting Act. The Accounts As Followed ( XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX & # XXXX, XXXX Account # XXXX, XXXX Account # XXXX ) has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-17
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I contest the validity of the account in question held by Capital One. I demand that Capital One verify under oath the validity of this claim, ensuring it is free from any claims or defenses, including but not limited to breach of agreement, failure of consideration, or material alterations, and confirming that the original lender provided value. Moreover, I assert that the alleged account was transferred in good faith and with the consent of all parties involved. If Capital One is unable to provide sworn verification for the aforementioned criteria, I insist that the account be expunged from both my credit report and their records. Capital One XXXX
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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

The consumer credit reporting agencies are violating the FCRA. Pursuant to 15 u.s.c 1681a ( 2 ) ( B ), " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' Should be excluded from a consumer report. The definition of a credit card under 15 u.s.c 1681 is the same as it is under 15 u.s.c 1602 ( I ), which is " the term " credit card '' means Any card, plate, coupon book or other credit device existing, for the purpose of obtaining, money, property, labor, or services on credit. '' Notice Congress said Any card. The credit card is my social security card. I used This credit card to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 u.s.c. 1681a ( 2 ) ( B ). The reporting agencies are violating 1681a ( 2 ) ( A ) ( i ) Exclusions. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under Title 15 chapter 41. 

XXXX XXXX account number ending in XXXX balance {$1200.00} acct # XXXX balance {$1200.00} XXXX XXXX account number ending in XXXX balance {$2100.00} acct # XXXX balance {$2100.00} XXXX  XXXX account number ending in XXXX balance {$320.00} acct # XXXX balance {$320.00} The XXXX XXXX XXXX account number ending in XXXX balance XXXX XXXX XXXX account number ending in XXXX balance {$10000.00} acct # XXXX balance {$10000.00} XXXX XXXX Bank account number ending in XXXX balance {$800.00} acct # XXXX balance {$800.00} XXXX XXXX Bank account number ending in XXXX balance {$500.00} acct # XXXX balance {$500.00} These are violations!
Consumer complaint received 2023-08-08
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. (CA)

There are two transactions for a single motorcycle purchase from the merchant XXXX : XX/XX/2021 in the amount of {$100.00} XX/XX/2021 in the amount of {$4900.00} This was a pre-order and the merchant has failed to deliver the promised goods. The delivery date is within the credit card company 's dispute period. However, the credit card company has refused to file a chargeback.
Consumer complaint received 2022-10-17
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 Accounts As Followed ( XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX & # XXXX, XXXX Account # XXXX, XXXX Account # XXXX ) has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-04-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (CA)

Transworld keeps calling our home number looking for someone who does not live there and has never been associated with anyone in my family. We have asked numerous times to be placed on their do not call list. They say it takes 24 hours to have you removed yet its been 5 days since the last request and they still call every day. I've ask to talk to managers and I get the same story, it takes 24 hours yet they keep calling more than 24 hours later.
Consumer complaint received 2023-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LEXISNEXIS (TX)

Im not liable for this debt with XXXXXXXX XXXX 

This student loan was charged off in XXXX and was previously removed from my credit in XXXX Under FCRA, 15 U.S. Code 1679c - Disclosures, The credit bureau must remove accurate, negative information from your report only if it is over 7 years old This was never paid and was charged off in XXXX making it 14 YEARS AGO- DOUBLE THE ALLOWABLE TIME. 
XXXX has also reaged this debt- re-aging is an illegal act due to FCRA Section 623 ( 5 ) ( A ). This law states : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. 


Further XXXX intentionally accepted funds in error for the Federal governed, through XXXX, of a canceled consolidation, which also reaged the date of delinquency and increasing the number of late payments on my credit. 

The debt was also assigned to the federal governed, thus doubling my student loan debt.
Consumer complaint received 2023-08-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Act # XXXX with XXXX  has been settled no balance due. Credit report needs to be updated and its not getting updated with agencys.
Consumer complaint received 2023-08-07
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. (MN)

Transunion continues to report a fraudulent bankruptcy record on my consumer file despite the court order attached confirming that the record is fraudulent and expunged
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (AL)

15 USC 1692 C ( C ) Tat law clearly states, If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( XXXX ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 

CCS COLLECTIONS XXXX XXXX XXXX XXXX, MA XXXX Acct : XXXX XXXX
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Systems International, Inc. (AL)

15 USC 1692 C ( C ) Tat law clearly states, If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( XXXX ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Acct : XXXX
Consumer complaint received 2022-12-21
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. (NY)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

Opened a personal account in XX/XX/2022, starting in XX/XX/2022 there was a compromised account issues. I requested a new account be created due to the issues that was still taking place. They stated a new account would be created and Fraud Department would address this matter moving forward. In XXXX  alone I had to file 70 disputes yet USAA refused to provide me a new account after I requested multiple times. I made the decision to apply for a new account and they denied this application request. Forcing me to keep an unsecure account resulting in fraud continuing to happen. They made the decision in the middle of the night to close all of my joint accounts and my spouses personal account that my name isn't attached to. Resulting in USAA to stop all the disputes I had to complete due to there failure they automatically closed them froze the accounts in a credit only mode and are withholding all of income for XXXX for 60 days. So we are now having to go to arbitration with USAA and causing us to potentially be evicted and unable to get food for our three kids. Our income is VA XXXX  and Social Security. We have also been charged with insufficient fund fees which they were not aloud to do as well. We have banked with USAA for 15 years. Only provided document closure for one account with my name.