davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

I work at the XXXX XXXX XXXX XXXX (XXXX), and have worked there for 3 years. My employer is the XXXX XXXX XXXX. I bank with JP Morgan Chase. XX/XX/XXXX- filled out direct deposit form at work, hand written.  HR refused to accept a voided check.  Did not receive XX/XX/XXXX direct depositXX/XX/XXXX – called payroll specialist•	Learned from payroll that the routing number on file was not mine-incorrectly written•	Requested that direct deposit be canceled•	Requested that XXXX  HR inform State Controller’s Office of this issue and request that they retract deposited funds•	Called my bank, JP Morgan Chase, and filed a claim informing them of the above-specifically stating that the deposit made in the account was due to an incorrectly written routing number and was not authorized by me. XX/XX/XXXX – I called Chase Bank, Bank had located the check in another customer’s accounts. Learned that Chase Bank made no effort to ensure that the account number used and the account holder's name matched before processing the direct deposit. Was informed that Chase cannot move it from the customer’s account. Chase required a Letter of Indemnity from my employer.•	Called XXXX  payroll immediately, provided information,•	Payroll stated that they would call the State controller’s office and get back to me.XX/XX/XXXX – Was informed via email correspondence (attached here titled “XX/XX/2019 warrant”):  “Since your bank was unable to move the funds from the incorrect account into yours. The State Controllers office has sent over a Letter of Indemnity to your bank.”XX/XX/XXXX - Letter of Indemnity was actually sent to Chase Bank by State Controller's OfficeXX/XX/XXXX – informed by payroll via email (attached here titled “XX/XX/2019 warrant”): “I regret to inform you that US bank was unable to retrieve the funds back from your bank. I have attached the denial letter from US Bank. The State Controller’s Office informed me that since this was an employee error and not an agency error, you would now need to try to contact Victims Compensation Board to see how they me able to assist you. I have attached the link below. Please let me know if you have questions.” The denial letter (attached here titled "XXXX") stated, from Chase bank, “we will not be able to process your recall request because the account doesn’t have sufficient balance.” This indicates that the account holder who got my check withdrew the money. The Account holder is guilty of theft as per California Penal Code section 485. I called the Victims Compensation Board and they stated that they cannot do anything and suggested I call my bank.•	Called Chase Bank that day and they insisted they had no obligation to prevent their account holder from using the funds, despite the fact that I informed them on XX/XX/XXXX that the deposit was made erroneously. Chase Bank was unwilling to help me track down the account holder.
Consumer complaint received 2019-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On XX/XX/1926 and XXXX have tried to get Chapter XXXX Bankruptcy removed due to TransUnion pursuant FCRA 611 as requested METHOD OF VERFICATION AND NAMES AND DOCUMENTATION OF WHOM THEY SPOKE WITH and documentation along with their method they say they verified with Courts ; however courts do not verify information with third party entities. I requested from Recorder of Deeds asking them how this bankruptcy was verified and they stated with a letter that they do not verify bankruptcies with third party entities ; however public records could verify bankruptcy information. However their are inaccuracies with the third party vendor and Bankruptcy court stated due to PRIVACY LAWS they can not update information ; therefore credit bureaus would need to verify with PURSUANT TO FCRA 623 ORIGNAL FURNISHER ( THE COURTS ) WHICH CAN NOT BE DONE THEREFORE THIS CHAPTER XXXX BANKRUPTCY NEED TO BE REMOVED IMMEDIATELY! ARE FURTHER LEGAL ACTION WILL NEED TO BE TAKEN DUE TO VIOLATING MY CONSUMER RIGHTS. I have faith that TransUnion will honor THE FCRA guidelines as well.
Consumer complaint received 2019-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Green & Sons Agency, Inc. (SC)

Outsource Receivables with account balances $XXXX and $XXXX are reporting collections in violation of my 30 day right to dispute. I was never given any notice of these collections and only became aware of them when I checked my credit. This is in violation and they need to be removed.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BTH Management (MO)

'm disputing this account with Plaza Services, I do not owe the debt with XXXX XXXX XXXX nor was I made aware of this account from this company. I did sign a contract with this company nor have they contacted me about this debt before placing it on my credit report which is against the law. I have the right to dispute any debt and they went against that. In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S. C 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. This company did send a validation debt letter or send me a letter about the debt prior to putting this on my credit which is against the law. I have also compalined over 30 days ago to the XXXX  about this company and they still have failed to provide any proof or failed to investigate the matter.
Consumer complaint received 2023-05-24
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. (AL)

On XX/XX/XXXX I sent Transunion a letter demanding they remove specific incorrect and invalidated information from my credit report. This was my second letter to them. They did not respond and continued to furnish the incorrect information. They also keep refurnishing and updating incorrect information that I told them to remove. When it was time for me to go get a car, on XX/XX/XXXX, the dealership pulled my Transunion report and my score was unfairly low, and that resulted in my cost disclosure and interest to be very high. When I brought it to Transunions attention, again on XX/XX/XXXX, that they did not remove the inaccurate information from my report and that they were responsible for my inaccurate and unfair credit rating, they responded and told me the information I sent to them is not in my report. I have evidenced showing that it was never removed and is still showing. They are being negligent in their duties of fair reporting. They are blatantly ignoring and misleading me.
Consumer complaint received 2019-12-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (MD)

I am being charged late fees that I should not have accrued because I called in to cancel the card before those late fees were assessed. I am now attempting to resolve the issue with the company, and they are telling me that this will not come off of my credit report no matter what type of arrangement we set up.
Consumer complaint received 2019-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX is reporting to XXXX  and Equifax incorrect and inaccurate information about my original account with XXXX XXXX XXXX. They have not fixed it despite my requests. XXXX is sending them a letter from the debt they bought from XXXX in XXXX. It became delinquent with the original creditor XXXX XXXX XXXX XXXX  in XXXX-XXXX. In XXXX, it was acquired/rolled over to XXXX. They are reporting the XXXX as the date of deliquency and hat is INCORRECT and they WILL NOT provide original creditor information. I have reached out to company and have told the credit agencies they are incorrectly reporting. I have requested ORIGINAL creditor dates over and over, and they take the letter XXXX provides from XXXX in XXXX as truth! Deceptive and malicious. Have submitted complaint about XXXX and now it is the agencies turn for skimming over me! This has impacted funding my business and buying a house.
Consumer complaint received 2019-07-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I XXXX XXXX, Is very upset that the credit bureau place negative things on my credit after I had send them my police report and My identify theft report they remove it and place it back on my credit with out my consent. I am very upset I have been getting turn down for credit. I have no knowledge of this debit they are trying to collect on. Please help me. I just don't understand how all three credit bureau take things off my credit and place it back with out me knowing it.
Consumer complaint received 2023-01-05
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. (MD)

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 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 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 2019-12-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I have 3 separate savings accounts that are custodial accounts from when my children were small. Two of them are XXXX XXXX  and one is XXXX XXXX XXXX. They still have funds in them and now that my children are older I would like to give them their savings. These accounts were setup when they were young. I researched through the internet who now took over these banks and found that Bank of America had them. On XX/XX/19 I contacted Bank of America at XXXX. The customer service representative stated that they had no record of the accounts and I was to contact Unclaimed Property at XXXX which I did. It lead me to the Connecticut Unclaimed Property site. The information for these accounts and our last name resulted in no match. I contacted Unclaimed Property by phone and they stated I needed to send a copy along with a letter to Unclaimed Property Research so that they can see if they can locate the funds. I received a letter back that they had no unclaimed property under those names. I contacted the Banking Commission at XXXX and they were able to verify for me that the FDIC site did show that Bank of America either purchased or merged these two banks. I did call back Bank of America and tried to speak with someone else but they sent me back to Unclaimed Property again. I am writing today because there is approximately {$5000.00} in these accounts and I would like to gain access to turn my children 's savings over to them. I am attaching my information about the accounts as well as the letter from Unclaimed Property. 
Thank you.
Consumer complaint received 2022-04-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: World Omni Financial Corp. (FL)

In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX  XXXX  XXXX  XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604A section 2, also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-12-11
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. (MI)

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120 180 ) days late on the XXXX XXXX  XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) The bank sent me a new credit card after the old one had expired. The new credit card had been issued with a new number and new expiration date. I did not activate the new card and I was under the assumption that by NOT activating the new card it would not be charged with any recurring charges. I never authorized recurring charges on the new card. Somehow the un-activated new card was being used for recurring charges on this account. I previously received monthly paper statements in the mail however when the new card was issued the mailing address was printed incorrectly so I never received the new statements. I never became aware that this account was ( 1 ) being charged, and ( 2 ) that there were late payments being reported until I obtained a copy of my credit report. After this discovery, I immediately called the bank and paid the account off. There is no outstanding balance due on this account and this account needs to report a {$0.00} balance. Because the late payments that are being reported is through no fault of my own, I request these be removed immediately. I have contacted the ( 3 ) bureaus to remove these items however, I have not been successful.
Consumer complaint received 2023-02-25
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX  on XX/XX/2022 ; XXXX XXXX  XXXX Inquired on XX/XX/2022 ; XXXXXXXX Inquired  on XX/XX/2022 ; XXXX Inquired on XX/XX/2022.
Consumer complaint received 2022-10-13
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 Account # XXXX has violated my rights, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ACCOUNT # XXXX has violated my rights, XXXX XXXX Account # XXXX has violated my rights, XXXX XXXX ACCOUNT # XXXX, has violated my rights, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX, has violated my rights, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) ACCOUNT # XXXX has violated my rights, XXXX XXXX XXXX ACCOUNT XXXX XXXX, has violated my rights, XXXX XXXX account # XXXX has violated my rights, XXXX  XXXX account # XXXX has violated my rights, XXXX ACCOUNT # XXXX has violated my rights, XXXX XXXX ACCOUNT # XXXX has violated my rights, XXXX XXXX ACCOUNT # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act these accounts has violated my rights. 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 1681 section 602 ( A ) States I have the right to privacy.

15 U.S.C. 1681C. ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the follow items of information any other adverse item 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 168s-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 2024-02-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Axela Technologies, Inc (MD)

On XX/XX/XXXX I receive a note on my door showing an intent to file a lien on my home. I never received a verification letter. On XX/XX/XXXX the company received a validation letter via certified mail from me. At the end of XXXX i receive another letter stating that the company started the process to place a lien on my home after never responding to my letter. I called the company stating they never responded to my letter and sent the receipt showing of when the letter was mailed with the tracking number showing when they received the letter. This company then sent an email with information 99 days after receiving my letter and is still trying to collect this debt.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Consumer complaint received 2019-12-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I recently lost my job and attempted to place a hold or cancel any monthly subscription services which auto debit from my account. Unfortunately I missed some and my account dipped onto the low side. 
XX/XX/XXXX Account was negative XXXX AFT attempt from XXXX for {$1.00}. USAA declined the transaction and assessed {$29.00} NSF fee XX/XX/XXXX XXXX attempted the AFT again, declined {$29.00} NSF assessed. 
XX/XX/XXXX XXXX attempts AFT, declined NSF fee assessed. 
XX/XX/XXXX XXXX  attempts again, declined {$29.00} fee assessed. 
XX/XX/XXXX XXXX makes another attempt, declined {$29.00} fee assessed. ' Balance XX/XX/XXXX is - {$80.00} XX/XX/XXXX XXXX  finance attempts AFT, declined {$29.00} fee assessed. 
XXXX XXXX is only company that attempts to withdraw. XXXX makes 7 attempts between that time frame and all 7 are declined with {$29.00} NSF fee totaling {$200.00} in fees. 

XX/XX/XXXX XXXX  makes another attempt, declined NSF fee assessed. 
XX/XX/XXXX XXXX attempts AFT, declined, NSF assessed XXXX XXXX makes an additional 4 attempts all declined and additional {$110.00} in NSF fees against the account. 
XX/XX/XXXX XXXX attempts again, declined, NSF fee assessed. 
XX/XX/XXXX XXXX attempts AFT, declined, NSF assessed. 

This continues through present and my account is now - {$790.00} all in NSF fees. Not one bill was paid, and these fees are resulting from each company making multiple attempts to clear payments. 

Until I am working again, hopefully soon, I have no funds to get this account even close to a XXXX   balance. By the time I am able to fix this, I may owe close to {$2000.00} in NSF fees for a total of 7 individual transactions that made repeated attempts on my account. 

I can't understand how this could be on the up and up. As a matter of fact, I have been involved in at least two class-action lawsuits in the past involving XXXX and XXXX for similar issues being shady with overdraft fees and how they chose to apply those fees. 

If this seems off to you as well and you believe you can assist me in getting this under control, I want to thank you in advance. 

If all the fees from USAA appear legit and I'm just in an unfortunate situation, please let me know and I'll stand down and accept that I singed up with a bad bank.
Consumer complaint received 2019-12-11
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (OH)

I OREERED A STOVE RANGE ON THIS CARD I HAVE NOT RECEIVED IT HAS NOT BEEN DELIVERED. I TRIED CALLING THE COMPANY ( XXXX  ) WHERE I PLACED THE ORDER, COMENITY BANK HOLD THE CREDIT CARD ACCOUNT. I CALLED TO DISPUTE THW CHARGE AND THE BANK IS VORRIED ABOUT A MIDDLE INITAL SOMETHING DON'T SHOW ON THE PAPER CARD THEY SENT ME,