davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Summary : This complaint details my experience with Chase Bank regarding a closed account and mishandling of my funds. The closure stemmed from a verification issue with a deposited check, but the resolution process resulted in several errors and delays that caused significant financial hardship. 

Timeline of Events : XX/XX/XXXX : Deposited a two-party check into my Chase checking account ( balance : - {$1700.00} ) XX/XX/XXXX : Chase restricted both my checking and savings accounts ( balance : {$6900.00} ) due to an error with the deposited check. 
XX/XX/XXXX - XXXX : After numerous calls and speaking with supervisors, I was finally allowed to withdraw {$3000.00} from savings, reducing the balance to {$3900.00}. Chase informed me the account closure was final, and a cashier 's check would be sent on XX/XX/XXXX. 
XX/XX/XXXX : Unable to access remaining funds or receive the cashier 's check, I contacted Chase again. They claimed I had no funds and still owed {$1700.00} on the checking account. 
XX/XX/XXXX : A supervisor discovered an error where my savings balance was incorrectly added to the checking account as a negative balance. The mistake was corrected, and Chase contacted the check issuer to confirm the two-party error. 
XX/XX/XXXX : The fraud department informed me I had no remaining funds, and the negative balance error from my savings reappeared in my checking account. 
XX/XX/XXXX : I contacted the supervisor again to rectify the error and request the release of my remaining funds. This is the third time the same error has occurred, even after account closure. 
Impact : Due to the account closure and delays in accessing my funds, I : Lost my apartment due to missed rent payments. 
Incurred late fees and potential penalties on other bills. 
Experienced significant stress and hardship. 
Federal Law Violation : I believe Chase Bank has violated my rights under federal regulations by : Withholding my legitimate funds after account closure. 
Failing to properly investigate and correct errors in a timely manner. 
Not providing clear communication regarding the status of my account and funds. 
Resolution Requested : I request a full and immediate release of my remaining balance in the savings account ( {$3900.00} ). 
Compensation for any late fees or penalties incurred due to Chase 's actions. 
A formal apology from Chase Bank for the inconvenience and hardship caused. 
Additional Information : I have attached all relevant documentation, including call logs, bank statements, and any email communication with Chase Bank regarding this issue. 

Thank you for your time and attention to this matter. 

Sincerely,
Consumer complaint received 2023-01-05
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. (IL)

In accordance with fair credit reporting act. The list of accounts belowhas violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 

account name- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 information is inaccurate.
Consumer complaint received 2022-05-05
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: EQUIFAX, INC. (GA)

I am writing to request the removal of unauthorized credit inquires on my Equifax credit report. I recently retrieved my credit report and it showed XXXX credit inquires that I have no knowledge of ever authorizing. I have sent out letters & also called the credit bureau several times. Here are the inquires : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-01-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (CA)

I am homeless and XXXX. 

With the help of an advocate at the homeless agency where I reside, I contacted Convergent Outsourcing, which is handling the debt for my XXXX account. 

On XX/XX/XXXX, XXXX my advocate and I talked with a Convergent representative who offered to settle the debt for {$470.00}. The original debt was {$1500.00}. The representative agreed to email a new statement with the agreed upon settlement figure to my advocate. That statement never arrived and we called again on XX/XX/2022. On the XX/XX/XXXX call, we were informed that the company 's representative we had spoken with had committed an error and that the company would not honor the agreement they had made with us. The person we spoke with on XX/XX/XXXX verified that the offer had been made. 

I want to settle this debt, but only for the amount we agreed upon. Can you help?
Consumer complaint received 2022-11-06
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. (MD)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-11-06
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. (CO)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-11-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (IL)

Credit collection services XXXX XXXX XXXX, XXXX, MA XXXX. Has been sending me notice balance {$690.00} The collection has reported as a pass due balance. I dont know this company. I never done any business with this company. This company doesnt have a contract with my signature.
Consumer complaint received 2022-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AR)

In accordance with the Fair Credit Reporting Act Collection Account XXXX XXXX XXXX XXXX XXXXXXXX, 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 : also states a consumer reporting agency can not furnish an account without my written consent. I have disputed multiple times and account has not been removed. This is causing a huge delay in my personal life and I really need this taken care of so that I can move forward.
Consumer complaint received 2020-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

{$4100.00} Original creditor : OPENED in XXXX CAPITAL ONE BANK USA N A Reported in BK XXXX XX/XX/XXXX Sold twiced opened in XXXX after being BK XXXX was filed and dispmissed.. Continues to bring my credit scores down.. Disputed in XXXX and No respond Overview You've paid off 0 % of your collection amount. 
Balance {$4100.00} Highest Balance {$4100.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Dismissed Original Creditor Name XXXX CAPITAL ONE BANK USA N A
Consumer complaint received 2020-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX  XXXX XXXX {$560.00} 75 % usage 3 late payments, XXXX XXXX XXXX    XXXX XXXX {$530.00} 59 % usage 4 late payments XXXX {$0.00} 0 % usage 1  late payment
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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This has been a major disappointment for me to say the least. I'm absolutely not satisfied with the " investigation '' process of Transunion, XXXX, XXXX XXXX. Not only have they been reporting in accurate information from me for multiple years and profiting from taking corners. They have done XXXX in proper investigations on my credit profile. After XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and sadly my credit has been a XXXX XXXX block. These LONG response times, are even more concerning when they are clearly breaking the law. 
Again, I have XXXX accounts that i NEED deleted immediately. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX In my attachments i will have HIGHLIGHTED information that provided evidence of my consumer rights being violated and also listed below will be the most recent law they have violated. 
XXXX U.S Code 1681i- Procedure in case of disputed accuracy ( 5 ) ( D ) ( 5 ) ( D ) Automated Reinvestigation System Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results to a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agency. 
XXXX has Deleted XXXX XXXX  off of my credit profile, consumers agency 's need to relay this information, and its sad that im having to go through MANY complaints through these consumer agency 's directly, the CFPB, XXXX  and EVEN the attorney to find a resolution. 
AGAIN attachments are ATTACHED TO EMAIL. 
PLEASE DELETE ACCOUNTS immediately IF they did " PROPER '' investigations there is NO possible way to have this many mistakes, XXXX investigations in a row. 
THIS is a HUGE violation of my rights
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Opportunity Financial, LLC (NC)

I have items in my credit report that are not mine and I do not recognize. I feel I am a victim of identity theft. On my credit report there are the following items reported : XXXX XXXX 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 have contacted XXXX and XXXX and Im also in the process of contacting each company.
Consumer complaint received 2023-01-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (LA)

I've already forwarded this to the New York Attorney General 's Office. 

* Loan is paid off. 

XXXX Attorney General, Regarding your lawsuit against Credit Acceptance Corporation, I bought a XXXX XXXX XXXX XXXX XXXX XXXXXXXX from XXXX XXXX in XXXX, LA on or about XX/XX/XXXX. VIN # XXXX. Credit Acceptance Corp was my lender. The vehicle 's sticker price was around {$17000.00}. I gave the used car dealership ( XXXX XXXX ) approximately {$10000.00} for a down payment, as I didn't want to pay for the vehicle for too long. By the time the paperwork was drawn up, said used car dealership had informed me that XXXX had added a substantial amount to the principal balance and that they, the used car dealership, couldn't do anything about it. After giving said dealership {$10000.00} for a down payment on {$17000.00}, the principle balance of the vehicle had ballooned to a whopping approximate amount of {$20000.00}. 

" The vehicle motor just went out in XXXX XXXX. And I am currently without transportation right now. '' Credit Acceptance Corporation Account # XXXX
Consumer complaint received 2020-04-08
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 HAVE FOUND AN INACCURATE ACCOUNT ON MY CREDIT FILE THAT DOES NOT BELONG TO ME. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED FROM MY CREDIT FILE. THIS ACCOUNT IS CAUSING A GREAT DEED OF HARDSHIP ON MY CREDIT AND I WOULD REALLY APPRECIATE SOME ASSISTANCE IN THIS MATTER. THE ACCOUNT DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTION THAT WAS MADE BY ME.
Consumer complaint received 2023-01-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (OH)

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  : # 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 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 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 information is inaccurate.
Consumer complaint received 2023-02-01
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Lenmo Inc (NC)

I currently owe the company {$170.00}. This initially started because the lender said my payment was late and there was no record from the bank that a payment was attempted. I disputed this with the company and they took almost a week to respond to me. This caused me to also block a transactions from them by my bank because no one at the company could tell me when the payment was attempted from my account. I agreed to pay but things transpired and could not. Quite frankly, their lack of communication was egregious. I have been sent several messages in which the representative has stated they are a lawyer for the company and they will put a lien on my property. I asked to speak with the attorney and for them to send a letter and they have not. There is no number to call and they only contact you via email. I have asked them to stop sending me threatening emails as it violates the fair debt collection practices and they have not. I have paid {$50.00} towards this debt and intend to pay the rest. However, I will not continue to be harassed in the manner in which I am being harassed. One of their emails even states my credit score will drop by XXXX points.
Consumer complaint received 2020-01-03
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: EQUIFAX, INC. (OH)

Today, XX/XX/2020, I checked my credit file and noticed I have 14 unauthorized hard inquiries. To my knowledge I have Never signed any documents authorizing these companies to pull my credit. I am working individually with each company to get them removed. These unauthorized inquiries are in violation of the Fair Credit Reporting Act, Section 1681b ( c ). Since these inquiries are unauthorized I have filled an Identity Theft Report with the FTC. Included with this complaint are : FTC Identity Theft Report, Letter to XXXX, FCRA 605b, Drivers License, Social Security Card, and Proof of Residency. These forms are to serve the purpose to identify myself which are required by the FTC for my Identity Theft Report.
Consumer complaint received 2020-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (MO)

LET ME BE VERY BLUNT. I have been a loyal & happy Wells Fargo customer, until this matter & how it has been ( NOT ) handled. Long story short, I have been paying DOUBLE the required payment by auto payments in order to retire the payment plans by the end dates. When I logged on to check my account in XXXX, in anticipation of making a final payment, I discovered that WF had charged my account almost {$2000.00} in deferred interest ( plus monthly interest ), effectively doubling the remaining balance due, all because of internal allocation. How can I possibly be charge so much interest, when the total payments to date well exceed the balance on the " offending '' plan? Simple answer : IT SHOULD NOT!! I have spent a considerable amount of time with a Customer Service Rep who confirmed the error and that it would be resolved in a few days. That representative even refunded the " monthly interest '' that was incorrectly applied. Fast forward to now, MY ACCOUNT STILL HAS NOT BEEN FIXED, and I have wasted countless hours on hold, spoken with at least 3 WF representatives, sent at least a half dozen emails, and wasted almost 4 WEEKS. WF has failed to respond by fixing the issue, or telling me why they can't. I understand being short staffed due to COVID-19, but this is so egregious and has gone on so long without resolution, that I am starting to feel quite abused and mistreated. This is not a hard fix if they would just do it, but clearly they do not see this as a priority. I need a swift resolution to this so I can make my final payment ( s ). 

XXXX XXXX XXXX
Consumer complaint received 2022-05-05
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. (GA)

On XX/XX/2022 I sent a letter to Experian, XXXX and XXXX that they were reporting incorrect names and addresses on my credit report. XXXX responded that with a claim that a third-party is assisting with my credit after I sent all proper identification documents to identify myself that I was requesting that they correct the inaccurate names and addresses. The information has not been corrected as requested. 

Experian mailed my dispute results and removed some names and XXXX address when there are multiple names and addresses. The dispute results also brought to my attention that XXXX social security numbers are being reported. If I'm not mistaken every human only has XXXX social security number. It seems to me Experian is allowing fraud. 

The XXXX imposes obligations on credit reporting agencies concerning the accuracy and completeness of information in an individual 's consumer report. Per XXXX, the credit reporting agency is not in compliance by knowingly reporting inaccurate information
Consumer complaint received 2023-01-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (OH)

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 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 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 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 information is inaccurate.
Consumer complaint received 2020-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC (UT)

National Credit Adjusters is reporting 2 accounts on my credit report - XXXX & XXXX -- I never even knew these or the debts existed until I saw it on my credit & I immediately called and took care of it even though they are not valid and were sent to collection in error. 
I never one time received any notices regarding these items to even be given the opportunity to dispute them. I have contacted my attorney regarding this original creditor.
Consumer complaint received 2020-04-08
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. (AR)

My identity has been compromised. I found out because XXXX  XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number, name and birthday. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX XXXX {$17000.00}