davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (MD)

I am a college student and a loyal customer of Chase, holding one checking account and two credit cards. Recently, my mobile number was unexpectedly removed from the Chase mobile app, which led me to suspect unauthorized access to my account. Shortly after, on XX/XX/year>, I was notified that my checking account had been closed by Chase as a final decision, although my credit card accounts remain unaffected. 

Despite the closure, I have been unable to access my online banking to manage my credit cards, whether to make payments or use my rewards points. This has significantly disrupted my ability to pay my rent for XXXX, creating undue stress and financial uncertainty. As a student, my financial resources are already stretched thin, and the inability to access my own funds or use my credit cards for essential payments has compounded my difficulties, affecting not just my housing stability but also my ability to manage day-to-day expenses. 

On the day of the account closure, I contacted Chase three times, only to be informed that my online account would remain locked until the fraud department concluded its investigation. My funds have been frozen, and despite my inquiries, I received conflicting information regarding when I could expect access to my funds : first, I was told a check would be mailed to me within XXXX days, and by the third call, this timeline had extended to XXXX weeks. Furthermore, Chase has refused to provide any explanation for the account closure or discuss the decision 's finality. 

For context, here are my recent activities : XXXX : From XX/XX/XXXX to XXXX, I traveled to XXXX XXXX XXXX during XXXX XXXX, using the Splitwise app for shared expenses, for example I paid a XXXX people meal in restaurant ( because apparently they couldn't split that amount of cards ) with my Apple Card and they zelle me back, I will provide the transaction screenshot like this. By the way, there are people who owe me money still. My credit card transactions ending in XXXX can verify this travel. 
XXXX : I made two transfers from robinhood selling the stocks : one for {$980.00} and another for {$960.00}. 
XXXX : I received a {$10000.00} wire transfer from my mom to cover rent and daily expenses on XX/XX/XXXX. 
XXXX : During trip, I received a call from a debt collection agency demanding repayment about {$230.00}. However, I had already settled this debt last year, and the collection account has long been marked as " closed ''. Despite this, they insisted that I upload proof of payment, which I chose to ignore, given the account 's status.
Consumer complaint received 2023-09-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Chime Inc. (CA)

I sent money to Sendwave on XX/XX/2023 amounting to {$400.00} and email me that it will have 1 day pending for my ID review but until now no email eventhough I email them several times and even their company phone telling me that my account is deactivated. I dont whats happening.
Consumer complaint received 2023-03-14
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. (IN)

In accordance with the fair credit Reporting act, XXXX XXXX ACCT : XXXXhas violated my rights. 

15USC 1681 SECTION 602 STATES i have a right to PRIVACY 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under OPEN END consumer credit plan as LATE for any purpose.
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

On XX/XX/XXXX year of 2021 i received notice that a change to my credit has been made from Equifax. I used the app i have to investigate the situation, upon clicking of Equifax I noticed a 70 pts drop in my credit. Giving that i have froze my credit there should be no reason why my credit dropped that low moreover the face that it just increased 98 points just back in XXXX. XXXX  XXXX XXXX has closed an account on my report which should not normally drop my credit score that much. I believe this an attempt to damage my report because of the investigation I have had in previous months. Accounts have closed before and none had a drop let alone a drop that low that is very impactful to my financial status. Why was the account closed without giving me proper notice about it being closed? Why did my credit score drop so much for an account closing?
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

I paid off a loan with aid advantage for {$1900.00}. I received a receipt showing paid off. But they never updated with credit bureaus. I asked them to update. They closed the account then re opened the account showing a full balance still. I disputed with the credit bureaus and sent them pay off information and they are stating that my pay off receipt is insufficient and the credit company confirmed my balance was not paid off. I have bank records and receipts from loan company showing it was paid off.
Consumer complaint received 2023-05-20
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: I.C. System, Inc. (NV)

After reviewing my credit report, I have identified inaccurate accounts and information that are not associated with me. I did not provide consent for any of this information to be included in my credit report, and it is significantly impacting my life. I kindly request your assistance in resolving this matter.
Consumer complaint received 2024-02-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (CA)

On XX/XX/2024, I used Remitly to send {$1500.00} USD to my XXXX  in XXXX. On XX/XX/2024 the company confirmed that the transaction was complete. However, the funds were not deposited to my sister 's account. 
From XX/XX/2024 to XX/XX/2024, I have contacting Remitly for more than XXXX times to ask about the issue. 
Every time, I have to talk to a different person, they will ask the same questions and tell me to wait 24-48 hours, and they will call me back but they never did. I asked to talk to the XXXX they said they don't have XXXX?! 
Strangely, I requested them have a written email about their promise to solve the issue but agent refuse to do so!? 
In light of these egregious shortcomings, I can not in good conscience recommend Remitly to anyone in need of reliable and trustworthy.
Consumer complaint received 2023-03-11
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. (LA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/2021 XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$9600.00} XXXX XXXX XX/XX/ According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2024-02-19
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. (CA)

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with by its particular merits. My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data file reporting, I have the right to dispute any information on my credit report that I believe is not correct. All data included in a consumer 's file must be properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and financial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. We must ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 

Heres the list of the questionable items : XXXX - Account XXXX Please remove it from my credit report. 

XXXX - Account XXXX Please investigate and delete it from my credit report.
Consumer complaint received 2024-02-19
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions (TX)

I received a letter in the mail from Rent Recovery Solutions INC, stating that i owe a balance of {$4000.00} on XX/XX/24. Creditor is XXXX XXXX. I have not heard or been to that area, and already have been delt with identity theft situations in the past. I need to dispute this because it is ruining my credit score, which i have tried extremely hard to keep up and pay everything on time. The file no is XXXX.
Consumer complaint received 2023-03-14
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. (GA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2021-07-30
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. (MA)

XXXX XXXX is supposed to remove all 3 tradelines from the 3 major credit reporting agencies as part of a class action lawsuit settlement. I submitted the lawsuit paper to all 3 credit bureaus and they will not remove the tradelines from XXXX. I contacted XXXX XXXX several times to remove the tradelines with no sucess at all. It is part of a settlement regarding repossessed vechicles with balances being reported on the credit bureaus. XXXX XXXX XXXX is supposed to remove the information on all 3 major credit bureaus. Ive disputed st least 3 different times to all 3 credit bureaus and they will not remove the information.
Consumer complaint received 2023-07-23
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: EQUIFAX, INC. (NC)

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 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 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rent Recovery Solutions (GA)

Illegal reporting to XXXX major credit reporting agencies XXXX XXXX -NO VALADION OF DEBT PROVIDED UPON XXXX XXXX - NO VALADION OF DEBT PROVIDED UPON XXXX XXXXXXXX XXXXXXXX XXXX -I am requesting a monetary compensation for illegal reporting to my credit in violation to agreement of XXXX XXXX XXXX XXXX regarding a dismissal of wants to report to credit after case was dismissed without prejudice of both parties regarding a court consent agreement order. 

XXXX XXXX XXXX XXXXXXXX XXXX has damage my reputation and placed a false accusation on my credit causing me not to be able to rent a property to collect a balance that was consented on there behalf that I do not owe. 

I have attached court ordered consent copy an request the sum of XXXX be paid immediately for violation of court order and damages to credit and rental history preventing me from renting a property. 

XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX
Consumer complaint received 2021-08-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Credit Management Control, Inc. (MO)

I have been fightimg a fraud case and the rivht that i hold to the fcra and the fair debt act. I have been violated on so many ways and wish for this matter to stop ... this is not my name my Name is XXXX XXXX this is not my debt i see the address on both the papers that were harrassee to me AFTER I SEEN THIS FRAUDULENT ACT ON MY REPORT WITH WRONG NAMES AND ADDRESSES they begak this act. Never in my life have they ever contacted me .. So now im really understanding this is fraud by the company also they sold the debt to a company it was never mine to begin with and the adresses ok the paper dont even exist. The name on the paper does not exist as well. PLEASE REMOVE IMMEDIATELY OR IM SUEING I HAVE A PICTURE OF THE PAPERS OF HARRASESMENT BUT THE COMPANY TOLD ME TO FILE A POLICE REPORT I WILL NOT THIS IS NOT MY NAME OR ADRESS OR CASE AND ITS BEEN SOLD THEY SAY THEY ARE SEEKING MY TAXES THAT IS A CRIME.
Consumer complaint received 2024-03-29
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: ALLY FINANCIAL INC. (TN)

On XX/XX/XXXX of 2023 I was notified of hard inquiries on my credit report from a company by the name of XXXX, they had put hard inquiries from Ally financial XXXX, Consumer, XXXX. And XXXX XXXX XXXX XXXX. On XX/XX/2023. I have never dealt with the company XXXX, they did a 60 day investigation and they sent me a letter on XX/XX/XXXX of 2023 showing identity theft was proven and that they would have the hard inquiries off of my Credit report.. I was told that I would have to go back to the company 's of Ally and XXXX and a fraud or identity theft report which was all that was already done And sent to carmax auto finance. They asked me if carmax auto finance was off my report and I said yes, it was, but they put other hard inquiries on my report which was not me. Proven by the identity theft report that was sent by the investigation done by XXXX. I got a letter today on XX/XX/XXXX, from ally financial stating that I would have to get in contact with XXXX because they are the ones that put the hard inquiry request to Ally financial, so it's gone in a circle back-and-forth. All I ask is for XXXX to remove the XXXX inquiries from XXXX of Ally financial and XXXX XXXX XXXX XXXX On XX/XX/2023 and the XXXX. Report of XXXX, XXXX auto finance on XX/XX/XXXX XXXX XXXX XXXXhank you. I also did a XXXX XXXX XXXX complaint of XXXX.Ally financial, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX
Consumer complaint received 2021-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2021-07-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (IL)

I received a letter ( dated XX/XX/2021 ) from IC System stating that I owed {$270.00} to XXXX, who is both the original and current creditor to whom the alleged debt is owed ( lanuguage from the letter that was sent ). I immediately sent out a debt validation letter by way of certified mail with return receipt ( tracking # XXXX with RR # XXXX ). I have attached copies of confirmation of certified mail receipt. I never received a response back. I have studied the FDCPA and it says under the FDCPA, the debt collector must respond if a consumer disputes the alleged debt in writing. I have attached the exact same letter that I sent to IC System detailing very specific documentation of the validation of the alleged debt. I sent a follow-up debt validation letter to IC System on XX/XX/2021. It was received XX/XX/2021. IC System then sent another debt collector notice with a COMPLETELY different amount ( {$370.00} ) stating that I now owed {$370.00} and they sent copies of a printed out bill as verification of the alleged debt. Under the FDCPA, a printed bill is not sufficient validation of an alleged debt. They did not provide the documentation I requested including a contract with my written signature and they PUT A NEGATIVE REMARK ON MY CREDIT FILE EVEN AFTER I EXPRESSED THEM NOT TO IN MY DEBT VALIDATION LETTERS.

In the follow up debt validation letter I sent I pointed out that IC System, INC is NOT licensed to collect on debt in my state of residence. Under Illinois law, debt collectors have to be licensed with the Department of Financial and Professional Regulation.
Consumer complaint received 2024-03-21
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. (GA)

There is an inquiry on my Transunion credit report that does not belong to me. I demand the following fraudulent inquiry be deleted from my transunion credit report immediately. Please remove the following - XXXX XXXX XXXX XXXXXX/XX/XXXX Thank you, XXXX
Consumer complaint received 2023-03-14
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. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into.
Consumer complaint received 2024-02-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (TX)

On XX/XX/XXXX my debt was paid to XXXX XXXX XXXX. They advised once i paid my collection I would receive a release letter as a pay to delete and that it was my responsibility to call XXXX of the Credit Beureus and advise that I paid my Commenity XXXX  account to XXXX XXXX. Ive done so both by phone call XX/XX/XXXX and by several disputes through XXXX and XXXX XXXX. My payment /rating still appears as Charged off and or changes to purchased by another lender I understand the standard XXXX year rule but Again I was told to pay these guys and it has not been deleted or even updated on my Credit Report. I have submitted all documents to XXXX  and there are XXXX changes to my pay status on this collection account.