davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

I made XXXX deposits into my account on XX/XX/year> at the ATM, during the transaction a notice appeared advising the deposits would be put on hold until XX/XX/year>, without giving me the option to cancel the deposit, therefore I no option in retrieving my checks back and was FORCED to continue the transaction. Chase bank then advises me that they could not " verify '' the checks using a phone number from the banks own proprietary verification system and they will not be proving me with my funds. After numerous attempts to have Chase rectify this matter they continue to hold my funds, a bank supervisor stated to me " we know the funds have cleared, we have received the funds from the Federal Reserve but unless we can contact the maker from a verified number using our system, you won't be getting the money. I was advised to have the maker issue a stop payment on the items, which is not possible and even if that were possible the funds have already been paid by my client 's bank which was XXXX XXXXXXXX XXXX and XXXX XXXX. Chase Bank is breaking the law and is causing me severe irreparable financial harm and they should not be allowed to continue this as I am just XXXX of many people that XXXX does this to, and this is not a " Fraud prevention '' measure which they claim as the supervisors I have spoken to clearly stated on recording that the funds have cleared, and they know it.
Consumer complaint received 2022-04-22
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. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2020-01-15
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: STERLING JEWELERS, INC. (GA)

I did not authorize a hard credit pull of my credit. I only authorized a soft pull. Any hard pull of my credit is to be reduced to a soft pull or removed altogether. No authorization was given to have a hard pull of my credit file.
Consumer complaint received 2024-06-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (FL)

I made a payment to my credit card. I selected an account that I do not use. Realizing my mistake, I called to attempt to cancel. I spoke to someone named XXXX. Chase said that they could not cancel, and additionally that they will attempt the payment twice. This has now caused me two {$32.00} fees in my checking account.
Consumer complaint received 2023-03-01
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. (PA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (CA)

I filed a complaint thru CFBP online on XX/XX/XXXX. Please see attached. It was VERY CLEARLY MENTIONED THAT IT WAS NOT ABOUT XXXX XXXX AT ALL. FRAUD COMES IN DIFFERENT SHAPES AND FORMS. You should know that by now. The fraud that I had been a victim of was not under the category of XXXX XXXX. It was much bigger crime that I had been a victim of which the FBI has now taken my case very seriously which was not very common for this law enforcement agency to take the case from an individual victim. The detective 's name that handling my case on XXXX XXXX, XXXX from the XXXX XXXX Police Station, XXXX Department in XXXX : Detective XXXX XXXX. Direct telephone number : ( XXXX ) XXXX. The Police Report Number : XXXX. Also, please see attached copy of an actual Police Report that they released to me which was approved by Detective XXXX when I picked it up from the XXXX XXXX Police Station last month. Then, the FBI XXXX XXXX named Special Agent XXXX XXXX told me on the phone that the FBI XXXX XXXX is now taking the lead of my case as of XX/XX/XXXX up to the present time. He called me on the phone and interviewed me for about XXXX hour and XXXX minutes. Today of XX/XX/XXXX, I received an email from EXPERIAN about XXXX XXXX  letter which it did not make sense to me at all based on my reported situation as a victim of XXXX  crime which is currently taking very seriously by the FBI. STOP HARASSING ME WITH EMAILING ME THIS LETTER THAT WAS A TOTAL LIE. DO YOUR JOB IN A PROPER WAY, INSTEAD OF HARASSING DISADVANTAGED CONSUMER WHOSE LIFE HAD BEEN UPSIDE DOWN ALREADY. YOU WILL NOT BREAK ME. JUSTICE MUST ALWAYS PREVAIL. XXXX XXXX XXXX did not harass me with this kind of letter at all. XXXX did a remarkable job considering all my provided information from the law enforcement agencies and made a smooth conclusion to my complaint. You have everything in front of you already.
Consumer complaint received 2023-01-21
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. (FL)

i have been disputing the following accounts for months and yet they all still appear on my credit report. i have mailed in proof, highlighted the errors and yet they keep coming back as verified accurate. EQUIFAX has violated 15 U.S. Code 1681n and 15 U.S. Code 1681o for CONTINUING TO ALLOW THESE CREDITORS TO REPORT INACCURATE AND INCOMPLETE UNVERIFIED INFORMATION ON MY CREDIT REPORT. 


XXXX XXXX Account Number XXXX XXXX HAS INCOMPLETE PAYMENT HISTORY. EQUIFAX IS REPORTING THAT I WAS LATE FOR XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX BUT THE PAYMENT HISTORY IS INCOMPLETE AND DOES NOT REFLECT HOW MUCH WAS PAST DUE. I'VE ASKED EQUIFAX TO VALIDATE THIS INFO BECAUSE IT'S INCOMPLETE OR UPDATE THOSE DATES TO CURRENT ON TIME AND THEY HAVE FAILED TO DO SO. 

XXXX XXXX XXXX XXXX XXXX  Account Number xxxxxxxxxxxx XXXX THE PAYMENT HISTORY FROM XXXX TO XXXX IS INCOMPLETE AND REPORTING NO DATA ( FCRA VIOLATION ). DELETE THIS ACCOUNT FROM MY CREDIT REPORT. 

XXXX XXXX XXXX XXXX  Account Number XXXX XXXX I ASKED EQUIFAX TO SEND ME VALIDATION OF ME BEING LATE AND THE ACTUAL AMOUNT FOR THESE DATES : XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX BUT THEY FAILED TO DO SO. PLEASE UPDATE TO PAID ON TIME AND CURRENT OR DELETE THE ACCOUNT FROM MY CREDIT REPORT. 

XXXX XXXX  Account Number XXXX XXXX XXXX INCORRECT ACCOUNT NUMBER AND INCOMPLETE PAYMENT HISTORY PER MY CREDIT REPORT PULLED FROM XXXX. DELETE THIS ACCOUNT FROM MY CREDIT REPORT. 

XXXX XXXX XXXX Account Number XXXX XXXX THIS ACCOUNT IS REPORTING FALSE AND INACCURATE PAYMENT HISTORY ON MY CREDIT REPORT. I NEVER AGREED TO " TERMS '' OR ANY CONTRACT WITH THIS COLLECTION COMPANY. ALSO EQUIFAX IS REPORTING THIS ACCOUNT UNDER THE " CLOSED ACCOUNT SECTION '' YET THE ACCOUNT STATUS IS FALSELY REPORTING THIS ACCOUNT AS A " OPEN ACCOUNT ''. I WANT THIS ACCOUNT DELETED FROM MY CREDIT REPORT.
Consumer complaint received 2023-05-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Navient Solutions, LLC. (DC)

I received notice from the Bureau of Fiscal Service, US Department of Treasury that they were attempting to collect a debt on behalf of another federal agency without first being notified by the original agency. In addition, the Treasury initiated credit bureau reporting at the same time they sent notification of collection.
Consumer complaint received 2020-01-15
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC. (GA)

I co signed " 2 " student loans for my son with Salle Mae who then became Navient. When he got to the top end of his loans he fell behind as the interest and payments went up. He ended up having to drop out of school cause he has other loans, a wife and XXXX children. We were harassed for years. One day a woman with a name like a flower  ( I don't recall ) said if he could pay {$98.00} I believe, they would combine his loans and start him over payment wise. I questioned her several times making sure that would be his " new payment for both accounts and she said yes. She told my son the same. WRONG! Big fat lie. What she was doing was creating a " 3rd '' loan that only covered interest and what he was behind. We found out because a week later they took his ACH payment for the 2 loans thus causing his account to overdraft. I called her number immediately only to be told there was no one there by that name. Yeah right. Finally we spoke with a Mr XXXX. He combined all the loans after my son told him I am XXXX and have health  problems. Mr XXXX told us both if my son would make 10 consecutive payments without being late, they would take me off the loans and out of their system. My son held up his part of the bargain and the loans stopped showing up on my credit report. UNTIL my son nearly cut the tip of his finger off and fell behind again. BOOM! Not only did they start putting derogatory remarks on my credit report, they split the loans back in to 3 loans. I had my attorney write them a letter and I stopped hearing from Navient cause they sent it to one of their subsidies XXXX XXXX. Attorney contacted them. Then I start getting calls from a XXXX who sent no letter like the Navient and XXXX but they called all the time but would hang up. I blocked them. I want the agreement with Mr XXXX to hold which means my son started paying on that agreement in XX/XX/XXXX which means as far as those loans are concerned I shouldn't even exist as of XX/XX/XXXX AND THERE SHOULD NOT BE ANYTHING to do with Navient or any of their subsidies!!!!! I know you know what I'm talking about cause you've been filing class action lawsuits against them for years. Just stay out of my credit reporting!!!!!!!!!
Consumer complaint received 2019-12-10
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: HSBC NORTH AMERICA HOLDINGS INC. (IL)

On XX/XX/2019 they charged me on my statement for {$4100.00}, I disputed due to a fraudulent charge they sent me a letter dated XX/XX/XXXX. I did not receive it till XXXX XXXX and I faxed HSBC the Additional information form and have proof it was received. A letter dated XX/XX/2019 arrived today saying they did not get form. I have the fax saying it was successfully sent. There were no calls or anything just this letter I did receive today. I am writing to get this corrected
Consumer complaint received 2019-12-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: AMERICAN EXPRESS COMPANY (CA)

XXXX XXXX XXXX, XXXX ( this Collection agency ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Represented by XXXX XXXX ESQ. BAR # XXXX, XXXX XXXX ESQ. BAR # XXXX and XXXX XXXX ESQ. BAR # XXXX On XX/XX/XXXX They levied {$1300.00} from our bank account, our only income to pay our modification mortgage monthly payment. 
On XX/XX/XXXX I called and spoke to Miss XXXX XXXX, Left a message for Mr XXXX XXXX ext XXXX. Spoke to Mr XXXX XXXX, and Manager XXXX XXXX ext XXXX who promised to contact the American express company to release the funds. He told me he would call me back no later than Monday but he did not. So I call a few times and spoke to XXXX and then XXXX XXXX who was verbally abusive. It turn out they both were just lying to me. For they were doing nothing the release the funds back to my account. 

My husband ( XXXX years old ) with increased health problems ( XXXX XXXX and XXXX ) does XXXX  so we can pay our mortgage payment timely. 
Myself, due to severe health condition ( XXXX and XXXX ) has not able to work for the past few years. 
XXXX/ XXXX, when the real estate market crashed both my husband and I had lost our jobs. 
We used our reserves to keep up with the increasing mortgage payments and credit card payments. 
But shortly after, we were bankrupt and could not make our payments on our mortgage or credit cards. 
In XXXX, our income had improved and we were able to get an affordable modification with a differed amount of {$200000.00}. 
Since then, we are able to make our mortgage payments but not able to pay any other debts. 
Please, kindly help us retrieve our money back from this collection agency for this levy has jeopardizing our mortgage monthly payment. Please help us
Consumer complaint received 2024-06-07
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

XXXX XXXX XXXX XXXX rented out an apartment in my name that did not belong to me. My identification was stolen and I didnt have access to it my social and ID was included. I had no acknowledgements about this and would like it expedited from my credit immediately.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: HYUNDAI CAPITAL AMERICA (CT)

Hyundai acct XXXX. I turned in daughters lease in XXXX  In XXXX. Probably over a year later my daughter gets random phone call from Hyundai saying we owe over {$2000.00} on that car. No correspondence, no breakdown. I reached out to Hyundai asking for this information. I called several times to arrange for payment plan but each time I called it was like the first time calling. Very frustrating. Mind you I was never late on lease payment and I have excellent credit. At some later point I receive a letter stating a negotiated price of payoff of XXXX. But of course that amount was due in 2 weeks or so which I didnt have. I did send them the XXXX amount but probably 2 months later. I figured it was paid off. Then my credit score takes a hit of over 100 point down because I now have a delinquent charge. I reached out asking for it to be removed but they refuse Its so unfair and such poor business
Consumer complaint received 2022-11-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAC Financial Corp (NM)

Debt collector : CAC Fincial Corp., XXXX, XXXX XXXX  # XXXX, XXXX XXXX, OK. XXXX ( XXXX ) XXXX XXXX. 

This appears to be a scam ; as the company ( XXXX XXXX ) it is representing does not do business in NM, I had no medical appts much less radiology. {$11.00}. 

I do not want to answer them to avoid furtherance of their scam. False dates : bill acrued on XX/XX/22 ; Sent out for collection XX/XX/22 for {$11.00}. Acct # : XXXX They make these small claims to many to make their money ; as they expect people to pay versus the alternative. How many NM citizens have received this??? 
Thank you for your attn to this matter.
Consumer complaint received 2022-04-22
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
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. (NC)

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 OF XXXX XXXX Balance : {$0.00} XXXX/DEPT OF ED XXXX Balance : {$0.00} XXXX/DEPT OF ED XXXX Balance : {$0.00XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$130.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX. 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 the identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-01-15
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. (GA)

There are several items that are inaccurately reporting on my credit report. I have notified the credit agencies of these errors and they have not fix these errors. Please assist me in getting these errors removed. These credit agencies are intentionally disregarding the FCRA. 

XXXX is inaccurately reporting that i was 30 days late in XX/XX/XXXX. This is not accurate information. I have asked XXXX for proof of these lates and I have not received any documentation of this late. So how did you receive documentation and i have not. 

XXXX is inaccurately reporting that I was 30 days late in XX/XX/XXXX. This is not accurate information. 

Transunion is inaccurately reporting that XXXX XXXX was 30 days late in XX/XX/XXXX. This is not accurate information. 

ACCOUNTS AS A RESULT OF IDENTITY THEFT : XXXX  is reporting an UNKNOWN COLLECTION ACCOUNT - that was opened on XX/XX/XXXX with a balance of {$100.00} ; this is not my account. Please remove this account from my credit report. 

UNKNOWN COLLECTION ACCOUNT - that as opened on XX/XX/XXXX with a balance of {$0.00} ; this is not my account. Please remove this account from my credit report. 


Please remove these unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX
Consumer complaint received 2023-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2019-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (MI)

XXXX  use fraudulent information to make their summary on file number XXXX also they claim it from 300+ to over 2000.00 now, XXXX committed fraud with data that was fraudulent calling it a charge off, I close the account because of the fraud that was committed, XXXX stole money out of my bank account in the form of 3 extra payments, all so another bank did the same thing, yet it was investigated and XXXX found in my favor, also Midland LLC did the extract same thing, also both companys violations use the courts without given me a summons to increase the amount into the XXXX of dollars, by not letting me go to court to defend my self