davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX Ive made a deposit with XXXX different checks. XXXX was from XXXX XXXX  for the amount of XXXX this is related to my sons XXXX. This money it was plan to be used for his XXXX treatment ( XXXX, XXXX  ) the XXXX check was for XXXX this came from XXXX XXXX insurance. Ive been waiting for this procedure for the past XXXX XXXX  after we lost our home in a freeze storm here in XXXX tx. The checks were accepted had all signatures. They mention it probably will take up to XXXX  days for the process to be completed. On Monday XX/XX/year> we reviewed an email telling us to communicate as soon as possible with the bank because the fraud department was frozen all of sour assets including the money we had there about XXXX since that day until now and after many calls and sending documents to prove those checks were real and also holding our new paychecks for the week XX/XX/year> the mal its not willing to contact any of the institutions who we are part of this transactions such us mortgage company, insurance company, XXXX, chase doesnt want to return the money to our employers so they can give us a check to be able to cash it. I have no money for food, doctors or anything. I dont know what elses to do. Please help
Consumer complaint received 2021-01-11
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. (GA)

I Have been a victim of Identity Theft for a few years now. XXXX XXXX XXXX XXXX placed a collection on my credit report that was from Fraudulent Activity. I have contacted XXXX XXXX XXXX XXXX and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2021-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OK)

I have previously disputed the bankruptcy being on my credit report twice. Both times the bureaus advised the information was verified by the court. I sent a letter to the bankruptcy court in XXXX asking if they reported a bankruptcy to the credit bureaus and to provide proof of verification. The court responded saying that they do not provide verification to any company or credit bureau about bankruptcy.
Consumer complaint received 2017-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (TN)

I have been charged with two charge offs by Chase Bank Credit cards for cards that were corporate cards. I attempted to work out terms with Chase but they would not discuss any arrangements when the cards were first reported as in default in XX/XX/XXXX. In XX/XX/XXXX Chase issued XXXX tax forms for the amounts of the XXXX cards and charged them off against my credit report. I paid the tax bill and was told that the charge off would not remain on my credit report after XX/XX/XXXX, but it continues to be reported even to this day a year after the no notice XXXX, and 8 years since the cards were reported in default.
Consumer complaint received 2021-01-11
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. (OK)

I have previously disputed the bankruptcy being on my credit report twice. Both times the bureaus advised the information was verified by the court. I sent a letter to the bankruptcy court in XXXX asking if they reported a bankruptcy to the credit bureaus and to provide proof of verification. The court responded saying that they do not provide verification to any company or credit bureau about bankruptcy.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 - Please delete this item immediately. 

XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX XXXX XXXX - Please delete this item immediately. 

XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 

XXXX XXXX XXXX - Please delete this item immediately. 

XXXX XXXX XXXX XXXX  - Please delete this item immediately. 

XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 

XXXX XXXX, XXXX, and Equifax have 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 or 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 data is inaccurate.
Consumer complaint received 2021-01-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

My loan # XXXX has not had any changes since I previously reported issues and received an outcome on XX/XX/XXXX. This was all addressed in the previous Case Number XXXX. My online portal still shows the same amount of {$1500.00} owed along with a significant amount being withheld for Escrow purposes. The payment was supposed to be reduced to {$1200.00} as of XX/XX/XXXX which never happened. My Escrow was supposed to be re-evaluated after this outcome which never happened. I am a XXXX XXXX XXXX veteran in Texas and therefore do not have property taxes on my home. I have filed all necessary exemptions for this to be the case back in XX/XX/XXXX. This was never taken into account during my loan process, Escrow calculation, and is still not being handled as it should. I feel discriminated as a XXXX veteran by this company. 

I contacted customer service a few times over the past 2 weeks to get them to fix these items only to be told that " my payment isn't late '' and that an " escrow evaluation was just completed on XX/XX/XXXX '' which showed nothing changed and was before my previous complaint/request. I have requested that another Escrow evaluation is completed as of XX/XX/XXXX and was informed on XX/XX/XXXX that it is still being worked on and that it would be completed by XX/XX/XXXX. As of today, nothing has been changed and I can not contact my mortgagor as of this morning 's phone call attempt. I am not being assisted by my mortgagor at all. If anything, I feel that they not only lied to me but to the CFPB about their intentions on what they will do and haven't done.
Consumer complaint received 2023-05-26
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: Experian Information Solutions Inc. (CA)

While checking my personal credit report, which I acquired fromXXXX, I noticed an unauthorized inquiry made by your company XXXX XXXX XXXX. I did NOT authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.
Consumer complaint received 2021-01-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: C/C Financial (FL)

I purchased furniture from XXXX XXXX in XXXX XXXX XXXX, Florida. Which it cost {$1300.00}. I put down {$650.00} which only owing {$670.00}. I was at work the young lady did everything over the phone. I didnt sign Lease agreement. Which asked for proof of signature? They wouldnt evening send it to me. They have reported improper information to credit bureaus say I {$870.00}. One I dont owe that because the young lady said 90 days same as cash. Which I thought I was paying XXXX XXXX not Preferred Leasing. Not mention they reported I was late on XX/XX/XXXX when this account has been closed since XXXX of XXXX. Which I will upload all documents. Attached is the document that I received from XXXX XXXX no Lease Agreement. And highland all payments that have been made adding up to {$670.00}. I want this information to be removed and deleted from my credit file ASAP. Thank you
Consumer complaint received 2021-01-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC. (TX)

My email gets flooded with loan offers saying Im approved or pre approved then Ill apply and then I get denied this has messed up my credit I lost my job due to COVID pandemic I need help please dates from XX/XX/XXXX till XX/XX/XXXX I have pictures or all these companies that gives me fake offers
Consumer complaint received 2021-01-11
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (TX)

I have did everything in my will by submitting documents asking for validation which I did not receive an answer. I sent multiple letters with no response which under the law this items should be deleted if I did not receive any letter back from this company Chrysler Capital. I have all the letters I sent and receipts for certified mail. I also didn't get a letter of repossession when the vehicle was repossess now I'm asking that you all help me resave and get this deleted off my credit because they did not follow laws and resound to me ever.
Consumer complaint received 2020-09-27
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. (LA)

XXXX  updated my credit report with inaccurate or incorrect information. I requested an investigation on an account with XXXX XXXX XXXX. The report came back as verified. When actually XXXX XXXX XXXX has not provided proof of original contract signed by me to keep collecting on account that is not mine. Also, they are reporting inacurate information on three accounts with XXXX XXXX  XXXX XXXX XXXX that shows incorrect balances and last payment dates.
Consumer complaint received 2024-03-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

Ensuring that payments on this account are always made promptly has been my practice, never allowing them to be overdue. I'm unclear as to why there are reports of late payment remarks on my accounts. Per 15 USC 1666b - Billing Error, corrections should be applied.
Consumer complaint received 2021-01-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc. (CO)

I paid off my personal loan with MoneyLion in XX/XX/2019. They held a part of the money I was to receive initially which they refer to as a " credit reserve '' similar to a secured loan. I was to receive my balance of {$200.00} deposited into my checking account upon successfully paying off my loan and I have not. It has been over 30 days. Their website states I was to receive it within 10-14 days. I have contacted MoneyLion for the past 2 weeks trying to get what is owed to me but they keep saying " they'll look into it '' or " the system has a glitch ''. Those are just excuses to not pay their customers their money that is owed to them.
Consumer complaint received 2021-01-09
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. (FL)

I noticed some accounts while looking over my credit report recently that are incorrect. These accounts are not mine and are fraudulent. I have not given access to my credit report to anyone so I do not know how this could have happened. Please investigate this issue and have these fraudulent accounts removed from me credit report so that I can obtain new credit.
Consumer complaint received 2024-04-08
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (CO)

Received collection letter XX/XX/2023 from National Credit System ( NCS ) concerning XXXX XXXX XXXX ( XXXX ). That was the very first time I had heard of debt owed. Sent a letter to NCS XX/XX/2023 requesting proof of debt owed to collection agency at address listed on credit report and the letter came back undeliverable.
Consumer complaint received 2021-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (IL)

Discover Credit Card I lost my card between the date of XX/XX/XXXX - XX/XX/XXXX while traveling abroad. 

I wasnt aware of my lost card until a transaction email alert was sent to my email ONLY after the transactions were approved. Their internal fraud prevention system bypassed this transaction and let it go through. 

There were 3 transactions made 1. XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX - {$480.00} 2. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$27.00} 3. XX/XX/XXXX XXXX XXXX XXXX XXXX - {$1200.00} I was alerted about the transactions and quickly called the fraud department to block my card and freeze the account. Since I was abroad, I filed a local police report and sent an intimation letter to local police department asap. Since I was abroad, there was no proper way to community with the credit card company. 
Ultimately, the credit card company billed the fraudulent charges back to my account and passed a resolution without any kind of communication. ( I was abroad so I was not able to receive any email, mail etc ) I have attached statement, police letter and police report to this message. 

The discover credit card company has harassed me by forcing me to pay for these charges which I am not liable for. I am fed up with and afraid to deal with similar problem again, therefore I have decided to close all my credit card accounts with all other companies as well.
Consumer complaint received 2023-02-21
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: EQUIFAX, INC. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$25000.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$280.00} ; XXXX XXXX XXXX ( Original creditor : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$650.00} ; XXXXXXXX XXXX XXXX ( Original creditor : XXXX ( XXXX XXXX ) ) XXXX Balance : {$0.00} XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX Inquired on XXXX XXXX, XXXX.
Consumer complaint received 2023-02-09
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. (NJ)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law.

The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-11
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2017-05-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (KY)

myself, my wife and XXXX XXXX XXXX son checked into the XXXX XXXX XXXX in XXXX Kentucky on the first of XX/XX/XXXX and stayed until the morning of the XX/XX/XXXX. during our stay the maids would n't clean our room due to our son being in the room. one evening I went down stairs to get trash bags and I did n't let my room door slam because my son was sleeping, when I came back to the room I discovered that the door did n't latch although it looks if so it was. The morning of the XX/XX/XXXX at XXXX XXXX myself and my family checked out at the front desk and turned in out room keys. my wife did n't let the door slam to be respectful to the neighbors sleeping. after checking out my wife drove back home to South  Carolina and I had to travel to XXXX for work. at XXXX XXXX I received a call from the Hotel saying I destroyed my room and that they have already charged my card {$900.00} for the TV in the room. I told them their 's no way I done that and to check the security cameras of me leaving and of the floor I was on. and they said that their was no camera on that floor and that they checked the room key logs of when the room was accessed and that it was n't accessed until the maids accessed it a XXXX or so. and they said TWO maids found it like that and that as soon as they found it they came and got the manager. the manager hung up on me and said he does n't care and if I want I can dispute it. and after I called back he said he knows how MY KIND are AKA the MILITARY, he said we always party and destroy rooms and that this is n't the first time its happened. he acted as if my wife and I partied with my XXXX XXXX XXXX son. but when I requested for the video footage of the room and of the security cameras of me checking out and of the room key log they said the manager would send it to me. I never received it and I contacted cooperate and they asked the hotel to give me what I requested but they still did n't. after returning from XXXX I went into the hotel and asked for the documentation again and the manager I spoke with said the GM is n't there and he 's the only one that can access that info. but when I first spoke with them on the phone the GM was n't there and they said that Two managers pulled the key log and everything. but they lied and did n't realize id be back and every time I 've talked to them their story is different. I seen the video of the room because it was on the managers computer and their was only ONE maid that was there and the trash and towels were still stacked up like we had left it and their was NO LIQUOR bottles or anything in my room. the beds had been pushed for the box spring and the tv was scratched. I asked him why would I stack my trash and towels if I was going to do that. he had no answer and said the GM would n't be back for a week or so. so I 've went and talked to a Lawyer and am trying to get this resolved.