davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-22
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC (PA)

I cancelled with XXXX XXXX XXXX multiple times as its been a headache because they refused to cancel my policy after many call attempts and me going even into the store to cancel which I had a witness WITH ME because of billing issues even when my bills were paid! I went to the store AND called to cancel and they chose not to. I switched providers because of them not listening and constantly billing me way after when there was no usage of me even using or having XXXX XXXX XXXX and I paid my last payment even when I was switched to another provider. I still paid my last bill ever owed. Last payment I ever owed was in XX/XX/XXXX even when I was with another provider. I STILL PAID WHAT I OWED. I was a LONG TERM customer since around XXXX and im extremely disappointed. Then im told im getting charged for equipment when the equipment is what I OWNED PAID IN FULL!! This is effecting me and my credit for no reason when I have kids when this shouldnt even be where its at. If they stopped XXXX XXXX over and actually listening to THEIR customers. Why I cancelled with them because I always ever paid any bill owed and they always say its not paid even when it WAS PAID! This needs to be fixed or I will contact the XXXX for something that isnt my fault and is XXXX XXXX XXXX XXXX  on keep billing a customer ( which I know theyre month behind ) which I had XXXX right before XXXX hit, and my last payment I ever owed was for XX/XX/XXXX which was paid since I cancelled with them way prior. That was the last month ever that needed to be paid. So how in the world does it go to {$900.00} when I havent even had them or used their usage in almost over a year now. There should be NOTHING in regards to this on my credit for XXXX XXXX XXXX They been rip offs for awhile and why I finally chose to cancel them because of billing issues even after bills are already paid IN FULL along with MY EQUIPMENT I OWNED which was paid IN FULL!! This is such a headache because I keep getting the run around between XXXX XXXX XXXX AND THE DEBT COLLECTOR IT GOT BOUGHT OUT OF!
Consumer complaint received 2023-03-08
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. (DC)

In accordance with the Fair Credit Reporting act, XXXX Acct # XXXX XXXX Acct # XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXXXXXX XXXX Acct XXXX XXXX XXXXXXXX XXXX  Acct XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Bankruptcy Acct # 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 2023-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-02-21
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (VT)

My daughter and I went to the chase location in XXXX TX ( XXXX XXXX XXXX XXXX, XXXX, TX XXXX ) in order to close my husband 's checking and saving 's account on XX/XX/XXXX. When we presented the Consulate Report of Death Abroad given to us by the US Consulate in XXXX, they refused to accept that as a Death Certificate as they claimed it was not a sealed/certified document. However, the US Consul official informed us that there is no other format that they release as the new form has their signature and electronic seal directly onto the document and all prints of the same count as the original of the document. 

Due to this, they refused to close the account and release the remaining funds in the account ( XXXX USD in the Checking, XXXX in the XXXX ). 

Over the weekend, there was a hold placed on both accounts, so I am unable to access them electronically anymore, either. Now I can not withdraw the funds through the application or the website. This hold also placed the Savings account in a negative status with a debt of - XXXX, with no description other than " Misc Debit ''. 

I called CHASE 's Estate department on XX/XX/XXXX and spoke with a young lady who informed me that I should be able to close the Checking account with my ID and my husband 's death certificate, as I was a co-owner of the account. However, she refused to even answer questions about the status of the Savings account or correct the error on the account that is causing the debt to appear, as I was neither co-owner nor beneficiary on the account. As such, I am unable to determine what I can do to retrieve the remaining XXXX USD from the Savings account or even what is causing that exorbitant debt to appear.

As it stands, the accounts are not closed, but placed on hold and with an unknown debt added to the Savings account. They refuse to acknowledge my relationship with my deceased husband, who has passed away as of XX/XX/XXXX.
Consumer complaint received 2023-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

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. 

Account name : XXXX XXXX, Account # XXXX Account name : XXXX XXXX XXXX, Account # XXXX Agency name : XXXX XXXX XXXX, Date : XX/XX/XXXX, ( {$480.00} ) Agency name : XXXX, Date : XX/XX/XXXX, ( {$2.00} ) Agency name : XXXX, Collection, XXXX XXXX, Date : XX/XX/XXXX ( {$260.00} ) Agency name : XXXX, Collection, XXXX XXXX, Date XX/XX/XXXX ( {$170.00} ) 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, 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 2023-03-08
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-02-21
Product: Credit 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: JPMORGAN CHASE & CO. (TX)

Dear Customer Service, I am writing to express my dissatisfaction with the handling of a recent dispute by Chase Bank. On [ date ], I contacted Chase Banks customer service department via telephone to report an unauthorized charge of {$11.00} on my account. Despite providing all necessary information and details regarding the transaction, the issue remains unresolved. 

I have patiently awaited a resolution, expecting Chase Bank to investigate the matter thoroughly and provide me with a prompt and satisfactory outcome. However, to my dismay, no action has been taken to rectify this situation. 

As a loyal customer of Chase Bank, I am disappointed by the lack of attention and urgency given to my case. I trust that Chase Bank takes customer disputes seriously and is committed to ensuring the security and satisfaction of its customers. 

I kindly request that Chase Bank promptly investigate this matter and take appropriate action to credit the disputed amount of {$11.00} back to my account. Additionally, I urge Chase Bank to review its dispute resolution process to prevent similar instances from occurring in the future. 

I appreciate your immediate attention to this matter and look forward to a swift resolution. 

Sincerely, XXXX
Consumer complaint received 2023-03-08
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. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX Balance Owed : {$6600.00} XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (MI)

This was a corporate account for a company I had only worked for and had not worked for them since XXXX. They and I have went to court and all accounts were dismissed, I never was an officer, I never filled out an application, I never had access to a bill or made a payment. It was provided by the company. And against n it was dismissed in court as fraud which I have the documents for. They continue to harass me by phone and email and will not take it off my credit report. Even after judge in 17 th judicial court said it was dismissed! Please help my credit has always Been in the 820s up until this fraud! It needs to be removed! The company I was employed by was XXXX XXXX XXXX! There was a president and share holders which I never was one of them. I lived next door. The bills never were sent to me or were ever paid by me or addressed to me until it was in collections! Court dismissed as fraud!
Consumer complaint received 2024-02-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to formally dispute several fraudulent accounts that have appeared on my credit report. Upon reviewing my credit history, I discovered unauthorized accounts opened in my name without my knowledge or consent. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Opened a business credit card over 5 years ago, a personal guarantee by the credit card company was never signed or requested by the company. The credit card open was solely used in the business. The credit card company reported the credit on the business profile and never on the personal profile. The business was shut down and no longer in operational. The credit card company started reported the business credit card on to the personal profile which impacted the profile. It lowered the credit score from XXXX to XXXX in the matters of 30 days.
Consumer complaint received 2023-03-03
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. (CA)

Upon checking my credit report there had been an initiation of a credit card account that I did not process, recognize, or Authorize. 

XXXX XXXX XXXXXX/XX/2022
Consumer complaint received 2023-03-04
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. (TX)

I reviewed my Consumer Report and noticed that I had one late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy according to the law. I have never been on payments for the account : XXXX XXXX Account XXXX XXXX. Please investigate and provide proof with statements showing that these payments were ever late. If proof cant be provided, I demand these payments updated to On Time as they should be as I was NEVER Late. Thank you!
Consumer complaint received 2023-03-08
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. (VA)

My name is XXXX XXXX XXXX  this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-03
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. (GA)

I am contesting any information on my credit report that I believe is not accurate. The data included in my credit report must be documented and validated before it is included on my report. I can't recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements. For any account that is alleged to be delinquent or derogatory, I request evidence that shows why the account is considered to be in that state. This should include proof of a permissible purpose for any inquiry into the account. I have given you 30 days to investigate the matter and confirm that it is being reported correctly or remove it from the report. I have not received any proof of the verification of these accounts. Please delete immediately.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX Creditor : XXXXXXXX XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I need to pause my fraud alert for my credit to GET Electricity. 

However experians website doesnt work and tells you to call a number. The number doesnt allow you to connect to a person and tells you to do this online. Circular and non helpful and frustrating.
Consumer complaint received 2023-03-03
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. (WI)

Back in XX/XX/2022, I told the credit bureaus to verify every piece of information on the accounts listed below. They stated my accounts were verified, but how is that possible if they did not do a proper investigation according to the law. These accounts are still not showing 100 % accurate and there are many discrepancies. According to the FCRA 15 USC 1681, everything needs to be 100 % accurate, or it must be removed. I have attached my credit report showing the inaccuracies as well. 

Accounts : XXXX XXXX XXXX # XXXX XXXX XXXXXXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2023-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account Number 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account Number 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX Account Number 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX Account Number 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act U.S. DEPARTMENT OF EDUCATION Account Number 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 an account without my written instructions.
Consumer complaint received 2024-02-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Valon Technologies, Inc. (IN)

I've consistently called Valon Mortgage INC, and I have been hung up on several times after I've asked to speak with a supervisor to obtain information that would assist me with filing a complaint with the federal government that overseas grievances that consumers have against their mortgage company practices and procedures... the company fails to provide this specific information to me.. 

I've consistently asked to have supervisor 's call me back from the escrow and PMI departments and to this day none have. I've paid the additional {$190.00} amount of money required to have procedural evaluation to remove PMI and after the home visit and evaluation no one has contacted me. 

I've consistently asked to have the escrow removed and after speaking to the insurance department on various accounts, I was hung up on once, told a supervisor would give me a call back another time, and told by another to send an email if I wanted to communicate with someone. No one has reached out to me nor attempted to contact me. 

I've also attempted several times to get information on why my monthly mortgage payment increased twice within a one month period..they refuse to give me a reasonable response... 

I've continuously asked for the opportunity to speak to a live human being in these departments and continuously told tickets are generated and call backs coming... that has been untrue and currently not occurring. 

I've tried again today..my attempts to informally resolve my grievances are fruitless. The inability to speak to a supervisor and management, and or provided the opportunity to speak with a live human being in specific departments is the core contribution to these unresolved issues. 

It is unrealistic, unacceptable and unprofessional for a mortgage loan company to deny a consumer the opportunity to interact with a live human being in specific departments to communicate and resolve problems considering they are paying the company for a mortgage