davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CT)

XXXX XXXX XXXX I opened a small business checking account with Chase Bank located at XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX. I have two complaints : 1 ) When opening my account, I specifically stated ( twice ) that I DID NOT want my information sold and requested that it be noted accordingly. The Relationship Manager ensured me he did. Within two weeks, I received a SPAM text, email, and phone call informing me there were issues with my account and therefore my funds were frozen requiring me to call the number provided. I didn't call the number provided, instead, I call the Chase Customer Service number which they refused to help me because I didn't have my ATM card number with me. I provided them with all the other pertinent information to verify my account but was instructed they couldn't access my account without the account number. I had to wait a week when I return to town to call because I was unable to access my account through my APP. After I placed the call to confirm my account was not " frozen '', I received a call from a woman stating she was a relationship manager following up on my experience with Chase. When I explained what happened, she asked me to hold while she got a member of her IT department on the line, who was a male with a strong XXXX XXXX. While I was on hold, I XXXX  the phone number that was displayed on my phone. The woman then returned and asked me for my account number and password. I told her I XXXX  her number, and it wasn't a number from Chase Bank, and then she informed me she was calling from her cell. I hung up on her and she called me back from another number, which when I called it back was disconnected.

2 ) I used XXXX to transfer {$2400.00} to my Editor. I had over {$10000.00} in my account. My Editor informed me she did receive the money. I called customer service and was informed that they put a hold on the funds until " the back office '' approved the transaction. My Editor did receive the money until late that evening, which was an issue since I was on a tight deadline. Chase has no right to hold my funds of {$2400.00}, which is a legit business transaction. When I called the branch to inquire why they held up my funds, I was told they wanted to ensure I wasn't laundering money, which is the most absurd thing I've ever heard. The money was being transferred from XXXX XXXX XXXX.

Chase Bank is more concerned with placing a hold on my money for a legitimate business transaction for a measly {$2400.00} than they are selling my information, which required me to go through several hoops to ensure the safety of my funds.

When I went in to close my account, I reminded the Relationship Manager that I requested my information not to be sold and asked him why he lied to me and told me he noted my account. He had no response.
Consumer complaint received 2023-07-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (AZ)

Six months ago, on XX/XX/2023, ( per the attached email to Nelnet ), I sent in a LOAN DISCHARGE APPLICATION : FORGERY form. As of XX/XX/2023, I have not received any information regarding the status of this form From Nelnet. 

Attached : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Bread Financial Holdings, Inc. (OH)

I had a XXXX  card that was serviced by XXXX XXXX XXXX XXXXXXXX. Then my account was sold to some scam bank called Comenity. Right when the takeover was happening I made a {$5300.00} charge for auto repair. This XXXX XXXX is charging me TWICE for {$5300.00}, charging me interest also. I have tried calling multiple times and after about a half hour holding, the call disconnects saying that the number doesn't exist??? I have tried to write them to no avail. I can not believe what is happening and I hope I have some recourse. 

Thanks, XXXX
Consumer complaint received 2022-11-05
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: EQUIFAX, INC. (NV)

15 U.S. Code 1681i - Procedure in case of disputed accuracy there is no full account number, how is this listed with no account number? 

whe was last activity of the acount? 



i need accurate data points 15usc i1681i this can not be 60 days past due, the payments were deferred for 6 months, this needs to be corrected XXXX XXXX XXXX XXXX XXXX XXXX ( Installment ) Accounts - Summary Equifax XXXX XXXX Last Updated XXXX, XXXX XXXX XXXX XXXX, XXXX Payment Status Pays account as agreed Paid or paying as agreed This is an account in good standing Worst Delinquency 60 days past due 60 days past due No update received Balance {$30000.00} {$30000.00} {$30000.00} Credit Limit XXXX XXXX HISTORY OLDER DEROGATORY EVENTS MORE DETAILS
Consumer complaint received 2022-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/XXXX Capital one closed my account and they said they will send me a check. Now that it is XXXX they still havent send me my money nor will they return my calls. I cant transfer my money to my new bank because they block it.
Consumer complaint received 2023-07-14
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. (FL)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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 4 business days after the date of 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. 

The following items need to be removed and blocked as they are fraudulent. 

1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Consumer complaint received 2022-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I disputed remarks stating payment was late for XX/XX/XXXX and it now shows late as of XX/XX/XXXX which is still incorrect. I HAVE NEVER HAD A LATE PAYMENT ON THIS ACCOUNT. Since XX/XX/XXXX ALL payments have been made on time please update all months to current, on time, never late. Greatly appreciated
Consumer complaint received 2022-11-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am a victim of identity theft. I had filed complaints to TransUnion on XX/XX/2022, which they received on XX/XX/2022. The bureaus received the complaints but have not taken off the Unverified information from my report. I also sent a second letter on XX/XX/XXXX I have also filed an Identity theft with FTC with the reference number XXXX. The Bureaus are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their first investigation, they stated in writing that they verified that these items are being reported correctly without indicating who verified the accounts. I would like to know who verified these accounts. 
The Bureaus have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section611 ( 5 ) ( A ) of the FCRA you are required to delete all information that can not be verified.
Consumer complaint received 2024-07-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

XX/XX/year> i was paid {$1100.00} work wages an 21 day hold was put on venmo funds it takes the funds an lets neither sender or recipent have money just hold it till it feels its ok to release. This is borderline criiminal its no rules just when they feel. Venmo paypal i will never use again an i want to be told they do this before it happens to other.
Consumer complaint received 2024-06-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (SC)

I tried opening an account with Chase online, got a denial in XX/XX/XXXX. A few weeks later I got a card in the mail from Chase. Confused I went into the branch questioning why I received a card from them they stated that I was approved for a different account. I tried setting up an online profile was never able to get on. I finally decided to contact Chase to realize the email and phone number on the account did not belong to me. Chase updated the information. I overviewed the account and realized that there numerous of fraudulent transactions on the account numerous totaling {$1200.00}, one for {$890.00}, and another for {$890.00}. Opened a claim with Chase. A week later, I got a letter in the mail from XXXX about an account I did not open. I now realized I was a victim of identity fraud. Filed a police report on XX/XX/XXXX or XX/XX/XXXX, I do not remember the exact date. I also noticed the FTC and all credit bureaus. Explained this Chase, and also explained to them my information was apart of a data breach. Chase is still holding me accountable.
Consumer complaint received 2022-11-14
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. (AZ)

In accordance with the Fair Credit Reporting Act XXXX  Account 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 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 2023-07-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

XXXX I was only recently made aware of the XXXX XXXX vs Wells Fargo settlement. 
I can only credit my own self search regarding other financial matters did I become aware of said class action or anything in regards to being denied mortgage modification opportunities that myself any family could have greatly benefitted from, and Wells Fargo denied at every opportunity. 
Just today on contacting thought the phone number provided on a random website did I contact and was told that I was indeed on the list of borrowers. 
After my prior ( XXXX ) complaints and having no resolution I'm thoroughly stressed to my limit, they still are reluctant to fully supply information and I have received XXXX correspondence or documentation on this matter from Wells Fargo, however they missedaling a small local tax payment ( {$6.00} ) to my city tax account, and had me in collections for that! 
( Yes it has since been resolved ) due to my own due diligence.
Consumer complaint received 2023-07-05
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 — Was not notified of investigation status or results
Company: Credit Karma (TX)

On last week, I had explained my concerns, and submitted requested documents to support my concerns, to Credit Karma via live chat platform! Today when I had attempted, to do a follow-up : in relation to the matter, or supposedly open case, it ended up being a total waste of my time, unsuccessful attempt, brutally ended, and my good intentions to find answers, never was dealt with whatsoever! Instead, party with an attitude, flying all off the handle, and getting worked up for nothing! Only reason behind their rendition, can be explained this way! Because, they're XXXX third party vendor/partner ; they felt a need to cover up for, and not question XXXX 's intentions about the matter!
Consumer complaint received 2021-03-12
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. (NY)

Looking through my report and I still notice the accounts that I've previously filed 609 on the following : XXXX XXXX, XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U. S. C. section 502 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't furnish a account without my written instructions.
Consumer complaint received 2022-11-05
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: EQUIFAX, INC. (NV)

I do not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment?

there is no full account number, how is this listed with no account number?

whe was last activity of the acount?

if this was charged off then there needs to be a cancellation of debt 1099, you can not collect on debt that has been charged off i need accurate data points please remove I have been sick with covid for a year and alot of abuse was done to my credit Equifax XXXX XXXX Account Number XXXX XXXX XXXX Original Lender XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name XXXX XXXX XXXX XXXX Assistance Date Assigned XXXX XXXX, 2022 XXXX XXXX, 2022 XXXX XXXX, 2022 Original Balance {$360.00} {$360.00} {$360.00} Current Balance {$360.00} {$360.00} {$360.00} Responsibility Individual Individual Individual Status Unpaid Collection account Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department
Consumer complaint received 2023-07-14
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. (FL)

In accordance with the Fair Credit Reporting act this account XXXX ( XXXX XXXX XXXX ) has violated my rights. 

15 U.S.C 1681 section 602 A. states that 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 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I excersiced my rights and made Experian aware of federal law title 15-usc-1681 A-2 Rules Of Exclusion It states reports containing information soley as to transactions or experiences between the consumer and the person making the report are to be excluded. 
They are repoting late payment, collections, remarks, and balances. I asked them to remove these from my report. They have updated the account, witnout removal of information. 
Experian is a third party I asked for A written statement from me for them to report my private information and they could not provide one. This is Identity Theft at its best by law.
Consumer complaint received 2023-07-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MA)

I ordered a XXXX XXXX XXXX from American Express online and received it on XX/XX/2023. I made two initial deposits of {$15.00} and {$40.00} through electronic transfer from my checking account at another institution upon activating the prepaid card. The prepaid card account has been locked for no reason and the only explanation that I have received is call your financial institution. I am unable to access the prepaid account and use my money. I have submitted a dispute through my financial institution on XX/XX/2023.
Consumer complaint received 2023-07-14
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. (GA)

In accordance with 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 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 15 U.S.C 1681 section 602 A . States I have 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 2024-02-27
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: Experian Information Solutions Inc. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the Experian and XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance Owed : {$100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$290.00} ; XXXX XXXX XXXX XXXX Balance : {$5200.00}.
Consumer complaint received 2022-11-14
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. (DE)

" XXXX XXXX  '' continues to report inaccurate information to XXXX, XXXX, AND EQUIFAX, unbeknownst to me up until now. I have been a victim of Identity theft. Account # : XXXX - As a result, I have gone forward and filed for Identity Theft, in which I've attached below the copy of the XXXX. I have also complain to the CPFB and the only result I received was " UPDATED '', STILL REMAINS ON CREDIT PROFILE. PLEASE REMOVE IMMEDIATELY. According to 15 U.S Code 1681c-2, a consumer reporting agency shall block the reporting of all information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS AFTER THE RECEIPT. It has been 30 days and XXXX  XXXX  EQUIFAX are in violation of this law because I am a victim of identity theft!! This account should not be furnished on my consumer report as it is VIOLATION. Under 15 US code 1681b permissible purposes of consumer reports ( a ) IN GENERAL Subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the account listed IMMEDIATELY FROM ALL THREE BUREAUS. 

-Must be removed for Identity Theft -Must be removed Past the 7 years statute of limitations -Must be removed for reporting inaccurate information -Already complained to the CPFB -Must be removed for I am seeking Legal Council