davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (OR)

We received a mailing ( copy can be provided ) from Chase Bank offering a {$900.00} bonus for opening checking and savings accounts. We met with XXXX XXXX at the Chase Bank on XXXX XXXX in XXXX, XXXX on XX/XX/2024 to open the accounts. 
On that date, we deposited {$15000.00} in a XXXX account, per the requirements for the bonus ; and XXXX XXXX said he submitted a XXXX XXXX XXXX XXXX ( copy can be provided ) on that date for my XXXX XXXX XXXX ( XXXX  ) to be direct deposited into our new Chase XXXX account. 
We were also given a publication entitled Account XXXX for XXXX XXXX XXXX. The XXXX states, in relevant part, XXXX XXXX action needed for XXXX XXXX XXXX  ( e.g. XXXX XXXX XXXX ; your request has been submitted automatically and will begin within XXXX - XXXX weeks. 
My XX/XX/2024 XXXX deposit went to my old bank, but that was only XXXX weeks after signing up. I called the bank after my XX/XX/2024 payment also went to my old bank. I was advised to submit a new direct deposit request to XXXX ; which I did. By that time, the first XXXX direct deposit would be made on XX/XX/2024 - and the direct deposit was indeed made to my account on that date. 
I contacted XXXX XXXX about the remaining {$700.00} bonus, and after he said he consulted with his supervisor, he advised me that they would not pay the remaining {$700.00} bonus because the direct deposit didnt occur within 90 days ( XXXX was the XXXX day ) of opening my account. 
I contacted XXXX ( XXXX ) and was advised they had no record of Chase bank submitting a direct deposit request. The direct deposit request I had submitted was effected without problem. 
I believe that Chase Bank owes me the remaining {$700.00}. I followed their instructions and directions ( No action needed for XXXX XXXX XXXXt [ XXXX XXXX ] and will begin within XXXX - XXXX weeks ) and submitted my own direct deposit request after calling Chase Bank after the XXXX week timeframe. Note, even if had initiated A XXXX XXXX XXXX request at the XXXX week timeframe, my XX/XX/XXXX XXXX still would have fallen outside the 90 day time limit. 
In summary, I believe I followed the direction of Chase Bank for eligibility for the full {$900.00} bonus. I dont know whether Chase Bank XXXX XXXX was responsible for the initial direct deposit failure ; however, I was able to make a change. And, the direct deposit did occur, just a month after the XX/XX/XXXX th date.
Consumer complaint received 2023-01-16
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. (NY)

My ex wife and I were victims of predatory lending in XX/XX/XXXX with XXXX Bank. Divorced in XX/XX/XXXX. She deeded the home to me in XX/XX/XXXX. Unable to pay on my own I was almost in foreclosure XXXX. The home was upside down in value. I finally modified ( XXXX ) the home in my own name in XX/XX/XXXX. New servicer (  XXXX ) came in at the end of XXXX putting my ex wife back on the note. I finally had to stop paying since the new servicer refused to take my ex of the note. When the old servicer agree to take her name off. XX/XX/XXXX I had no choice to take the servicer & trust ( XXXX ) to XXXX XXXX  court. Upon further research after filing summons & complaints, I've come to find out that the mortgage has been paid in full by XXXX PMI insurance. This means that the servicer is now trying to double collect. I have a quite title on my property. Of course I am running out of funds fighting against the big banks. XXXX has already been awarded by XXXX XXXX Court against XXXXXXXX XXXX XXXX  XXXX XXXX the end of XXXX for over a XXXX dollars. In turn my ex wife has taken me to court for contempt over the same issue. My lawyers bill are surmounting! I have tried to refinance but the derogatory remark is still on XXXX of my credit reports.
Consumer complaint received 2023-01-16
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. (LA)

In accordance with the Fair Credit Reporting act Convergent Account # XXXX, XXXX, 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. I submitted and complaint about this and few days latter the informed me that the re-investigation was complete. They did not do any investigation or produced any document with my signature at all.
Consumer complaint received 2021-03-12
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. (MA)

I disputed the 2 accounts listed on my credit report which were " verified by the credit bureaus. 

Both accounts are with XXXX XXXX. 

Both accounts are reporting as charge off and reporting a past due balance/balance of the following : one account {$2000.00} and {$950.00} Letter of validation was sent to XXXX XXXX. Although they responded, they failed respond to the actual request for validation. They only verified the account listed. 


Per my request " Your failure to satisfy this request within the requirements stated in the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees. 

A credit diclosure statment was requested to be filled out and returned. Failure to return would result in the following : Upon failure or refusal of collector to validate this collection action, collector agrees to waive all claims against the debtor named herein and pay debtor for all costs and attorney fees involved in defending this collection action. 

Original request is attached as well as their response.
Consumer complaint received 2020-03-11
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. (GA)

EQUIFAX ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING A FRAUDULENT INQUIRY ON MY CREDIT REPORT, BELOW ARE THE LIST OF FRAUDULENT CREDIT INQUIRIES : Inquiry details XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX
Consumer complaint received 2021-03-12
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I disputed the 2 accounts listed on my credit report which were " verified '' by the credit bureaus. Both accounts are with capital one. Both accounts are reporting as charge off and reporting a past due balance/balance of the following : one account {$2000.00} and {$950.00} Letter of validation was sent to Capital one. Although they responded, they failed respond to the actual request for validation. They only verified the account listed. Per my request " Your failure to satisfy this request within the requirements stated in the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees. A credit diclosure statment was requested to be filled out and returned. Failure to return would result in the following : Upon failure or refusal of collector to validate this collection action, collector agrees to waive all claims against the debtor named herein and pay debtor for all costs and attorney fees involved in defending this collection action. Original request is attached as well as their response.
Consumer complaint received 2023-01-16
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: College Foundation, Inc. (NC)

I have filed multiple disputes with XXXX, XXXX, and XXXX in XX/XX/XXXX and XX/XX/XXXX each disputed was responded to with results verified. I then sent in dispute letters requesting how the late payments were verified and received no response. Each bureau is reporting a 90 day late payment for XX/XX/XXXX on all 11 of my XXXX  accounts and I was never late. 
Each bureau is also reporting multiple late payments for my 3 college foundation INC accounts. XXXX is showing a 60 day late payment for XX/XX/XXXX while XXXX and XXXX shows the payment was on-time and not late. 

In Accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. These accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-01-16
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. (IL)

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
It has been XXXX  days and you are in XXXX of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
Fraudulent/Negative Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-01-16
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: JPMORGAN CHASE & CO. (MN)

On XX/XX/22 I requested that the following account be verified or removed immediately. 

Name of Account Account Number Verification JPMCB CARD XXXX Validate Account JPMCB CARD XXXX Validate Account XXXX XXXX XXXXXXXX Validate Account XXXX XXXXXXXX XXXX Validate Account XXXX XXXX XXXX Validate Account The credit bureaus response was that they verified the accounts. I have since pulled my credit reports and there are still inaccuracies on the report. 
15USC. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In XX/XX/XXXX I spoke to a representative at the Florida Department of Revenue regarding duplicating my child support case. One involved a date from XX/XX/XXXX and one from XX/XX/XXXX which are both the same case and it is close but by law has to be reported for 7 years. I only had the reporting from XX/XX/XXXX and have dispute with FDR multiples times to update my accurate information, I have been paying child support timely from the past 5-6 years ( especially within the past 4 years since employed ) They have reported me as late, they have duplicated the same case. 

Technically, the duplication from XX/XX/XXXX shouldnt even be on my report because its 8 years and 9 months old. And secondly the correct date is XX/XX/XXXX which is set for deletion from all three credit reporting agencies this Spring. 

The XXXX County local child support office has done absolutely nothing to amend the duplication reporting XX/XX/XXXX. I have documents to support this via Transunion, making it to appear as if I owe Florida Department $ XXXX in child support and in reality the accurate reporting is {$51000.00} set for deletion this spring as I served my 7 years credit reporting sentence.
Consumer complaint received 2020-03-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: FIFTH THIRD FINANCIAL CORPORATION (DC)

In XXXX of 2019 I received a set of e-mails from Fifth Third Bank thanking me for opening an account. I never opened an account with the bank. In fact, I haven't set foot in the state of Ohio in over 40 years. 

The account was opened by : XXXX XXXX Personal Banker II / NMLS # XXXX Fifth Third Bank | XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX Oh XXXX Main : XXXX | Direct Line : XXXX | Fax : XXXX I repeatedly tried contacting Fifth Third Corporate HQ immediately after I received these e-mails because I suspected fraud. Not surprisingly there was no way to get through and when I did reach someone they were unwilling/unable/or completely uninformed to help. I followed Fifth Third 's directions to report this to their investigation e-mail and received no response at all. 

I then called the branch in XXXX, Ohio eventually and spoke to Ms. XXXX 's manager. He explained this all away with saying my e-mail address was entered for this account but it was for a different customer who had my same name. I don't have an extremely common last name so found this a bit fantastic but possible. I mentioned the XXXX XXXX example to this manager as well as the nameless person I spoke to at Fifth Third Corporate. 

I left my interaction with Fifth Third distrustful. So I froze all of my credit reports. Thank XXXX I did because now the Press is reporting just as I suspected that Fifth Third mimicked the dishonest XXXX XXXX. 

I want Fifth Third to contact me and provide me with an attestation - something I requested of Ms. XXXX 's manager - that no account was opened in my name. If there was I want to know who opened it and how, if my credit was tarnished, will I be made whole.

Fifth Third needs to be fined heavily for this behavior and people there need to be sent to prison. I have worked so, so hard to keep my credit rating at an excellent level. Some dishonest jerk who needs to make an unacceptable quota finds my information through dishonest means and opens an account in my name. That is STEALING! 

Furthermore, is likely evidence that Fifth Third has not/not stopped opening accounts without customers ' knowledge. Please reopen your investigation.
Consumer complaint received 2021-03-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (KY)

I received a notice via email that my account had been closed. No reason other than " I violated the terms of the deposit agreement ''. Really? What terms? If you call from the phone connected to your account, the automated system directs you to send an email, and hangs up on you. I used a different phone and also could not connect with a representative. I finally had to use my husband 's phone, which is connected to his Chime account, to get to a live person. After 2 hours on the phone with 2 different individuals, I was told that they have no control over my account closure and that " I would be mailed a check for any remaining funds in my account within 30 days of the closure ''. That is not acceptable. I had funds in both my checking and savings, including my payroll direct deposit that had just posted the night before. After some internet searching, this appears to be something Chime is doing to a lot of their good customers, and keeping the funds from the closed accounts. I have contacted a Consumer Protection Attorney, who is investigating and is quite certain this is conversion. I want this bank shut down. They do not have physical branches you can enter to retrieve your funds, they limit your access to how much of your funds you can withdraw each day, and it is a major effort to even reach someone on the phone. They are committing fraud.
Consumer complaint received 2020-03-12
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. (OH)

I have some issues with addresses on my file that I keep complaining about. the following addresses are not mine. I am working on my new company and they can verify my correct information. Please please delete the following addresses they are not mine : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX MY FULL NAME IS XXXX XXXX XXXX SS XXXX, DOB XXXX. PLEASE REMOVE ANY AND ALL MISPELLINGS OF MY NAME. 
I HAVE SEVERAL UNVERIFIED ACCOUNTS SHOWING ON MY CREDIT REPORT. I WAS A VICTIM OF FRAUD SO I NEED ANY UNVERIFIED ACCOUNT REMOVED.
Consumer complaint received 2023-01-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CO)

Please see attached ( 2 ) files. After PayPal " Executive Escalations '' denied my request for refund, I filed a dispute with my XXXX XXXX. They have been working with XXXX on this issue but, as you can see from my letter to the XXXX XXXX, nothing has been resolved after a number of weeks.
Consumer complaint received 2020-03-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I dispute with TransUnion and I call the Bk and told them that the credit bureaus told me that they verified my Bk with the original creditor, the Bk said they do not verify with third parties such as credit bureaus.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

The information is incorrect. Accounts that show as charge off didnt send 1099 and they supposed to. Then the information being submitted is incorrect. It has damaged my credit score and has hindered me from be able to buy a house. I have tried to dispute through XXXX XXXX  dispute and certified letter, and nothing has been done. The account amounts and date are wrong. section 609 of the Fair Credit Reporting Act ( FCRA ) i have debts tha have been settled and resold to different collections agencys.
Consumer complaint received 2023-01-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To whom it XXXX concern while checking my most recent Credit Report I notice inquiries that I did not authorize mad by the following companies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize ant employee by these companies to make any inquiries and view my credit. Please validate this information with these companies and provide me with the documentation bearing my signature authorizing these inquiries. 

Finally request that these item be deleted from my credit report if these sign documentation can not be provided
Consumer complaint received 2020-03-11
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I refinanced my home and my broker advised that I should be not paying XX/XX/XXXX mortgage payment because it will be closed before the end of the month .They did not want me to wait another 30-60 days to get a refund since all documents were processing. XXXX XXXX was fully paid on XXXX XXXX. They were paid in the month of XXXX. They reported me as late in mortgage payment for that month. That is unfair and incorrect. They are paid in the Month of XXXX. I should be late if I paid them in XX/XX/XXXX. I called them and they were rude. They were not happy that I left them and I felt discriminated as well. The gentleman on the phone would not help and remove Late Mortgage Payment. He dismissed me quite fast. 
I talked to my broker and they verify that I was not late .All the documents show that they are fully paid in XX/XX/XXXX. As a senior citizen I made all my mortgage payments on time and prompt. My credit is hurt because of them not helping to remove this incorrect issue.
Consumer complaint received 2023-01-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (NV)

JEFFERSON CAPITAL SYSTEM ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$560.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX  an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.