davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (CA)

I keep experiencing the following problem with Chase Bank. The problem has never been resolved and I'm very concerned about Chase 's banking integrity and confidentiality. 

XXXX, 2022 : Could not automatically access my account via phone XXXX, 2022 ; Could not automatically access my account via phone XXXX, 2022 : Could not automatically access my account via phone XXXX, 2022 : Could not automatically access my account via phone I was unable to access my account via phone with my PIN # ( which I have been using for years ) ; the prompt told me to enter my complete Social Security Number ; which led to a live representative. 

At first the representatives said there was a system wide problem that didn't allow PIN # 's to access accounts. They told me this numerous times over the months. Then a supervisor told me the problem was unique only to my account, that they would create a case #, correct the problem on my account and contact me to confirm resolution within XXXX hours. I never received any communication, nor has the problem ever been resolved. 

I'm very concerned that this issue continues ; that I always have to use my complete Social Security Number to access my account ; and I'm concerned that the bank has never informed their clients that this problem exists.
Consumer complaint received 2022-04-15
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: TRUIST FINANCIAL CORPORATION (FL)

Hello I am a first time customer for purchasing a new vehicle in my name. When I was offered for a deal on a new car. I was told by the car dealership that it would be several such as 2 to 5 loan members that will be credit reporting my credit score.. Due to this I seem to look on my credit report and it has been dozens of car loan lenders attached to my account which took a huge toll on my credit score. It has been hard for me finding a house credit score to XXXX dramatically dropping. All lenders that I've seen on my credit report is not recognizable anot recognizable and I would like you guys to please please see into this situation.
Consumer complaint received 2022-12-19
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: Experian Information Solutions Inc. (NV)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5500.00} 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 {$5500.00} XXXXXXXX XXXX XX/XX/XXXX According to F

CRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Fair Solution
Consumer complaint received 2022-06-01
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. (NJ)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2024-02-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (FL)

My ex-wife and were patients of the same dental practice XXXX XXXX XXXX XXXX XXXX ), they have tied my information to her medical debt of {$2600.00}. I called and spoke with the dental practice who stated since it's been turned over to a collections agency ( WAKEFIELD & ASSOCIATES ) there was nothing they could do. They refused to speak further about it because the debt is not mine and we are no longer married. I submitted a dispute with the collections agency who denied it stating it meets the FCRA requirements. 

My ex-wife and I were divorced in XXXX of XXXX. The services that were provided to her were in XXXX of XXXX. I was no longer a patient of this practice as of XXXX of XXXX.
Consumer complaint received 2022-06-01
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. (NY)

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  account # XXXX, has violated my rights. 
XXXX  account # XXXX, has violated my rights. 
XXXX  account # XXXX, has violated my rights. 
XXXX  account # XXXX, has violated my rights. 
XXXX  account # XXXX, has violated my rights XXXX account # XXXX, has violated my rights XXXX account # 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 2017-06-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NM)

I helped my daughter and kids when she got XXXX and lost work to pay her house and continue paying mine, but the medical bills and other bills tolled us into financial hardship. She is better and got a job. I am a XXXX and applied for modification with carrington. Carrington is telling me that my daughter has to pay her lien for me get the FHA modification or they will close out the file and send it to foreclosure. I proved the lien is not mine, that lien is for another person 's name, and that the title for my house is in my name and not in that person 's name. See attached documents Please I need the title search to be run in my name MY house is XXXX XXXX XXXX XXXX XXXX. I am helping my daughter financially, but she is NOT in my title at XXXX XXXX XXXX XXXX XXXX, XXXX nm XXXX The problem is that we knew about the issue of the lien just this Tuesday, not before, and we have a deadline for Friday or they will close the case? I already made the trial payments
Consumer complaint received 2022-06-01
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. (NY)

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  account # XXXX, has violated my rights. 
XXXX  account # XXXX, has violated my rights. 
XXXX  account # XXXX, has violated my rights. 
XXXX account # XXXX, has violated my rights. 
XXXX account # XXXX, has violated my rights XXXX account # XXXX, has violated my rights XXXX account # 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 2019-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX granted me an extension/deferment on 2 payments due to my being involved and affected by the XXXX XXXX. Because of this there was some confusion about when I was to start paying again. I thought in good faith I was paying on the correct date but missed the window by a few days causing TWO separate 30 day late payments. They are reporting I was late when in fact they received two payments, one each month. I have written to them asking them to correct this misinformation on my credit reports yet they keep responding with a form letter asking me for " more information '' It is clear they are not actually looking into this at all and just fluffing off this problem. How can they extend terms then report lates? This is in violation of FCRA.
Consumer complaint received 2022-06-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc. (TX)

First Fed Credit Control is reporting XXXX Accounts in collections from Original Creditor XXXX  XXXX XXXX. 
I have requested information on what the debts are for from First Fed Credit Control and they only provide " Date of Service ''. What was the Service? First Fed Credit Control provides phone number for XXXX  XXXX of XXXX XXXX where service was to take place. 
XXXX XXXX of XXXX XXXX XXXX they are no longer owned by XXXX XXXX XXXX and provides another phone number that is only answered by voicemail with no return calls. 
Nothing but run around- they expect to be paid for a bill that they are not providing enough information on.
Consumer complaint received 2022-06-01
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. (IL)

XXXX EXPERIAN & XXXX : XXXX XXXX XXXX XXXX XXXX  EXPERIAN & XXXX XXXX easy pay XXXX XXXX XXXX  EXPERIAN & XXXX XXXX XXXX XXXX  EXPERIAN & XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX EXPERIAN & XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX ; XXXX XXXX XXXX EXPERIAN & XXXX : XXXX XXXX XXXX EXPERIAN & XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX  ; XXXX XXXX XXXX ; EXPERIAN XXXX XXXX : XXXX XXXX XXXX ; EXPERIAN & XXXX XXXX EACH company is in violation of my rights by LAW !

15 USC 1681 602 A I have the right to privacy 15 USC 1681 604 2 no consumers reporting agency has written instructions from me the consumer on what is to be displayed.

15 USC 1681c requirements to the information contained in a consumer report. I requested for all accounts to be remove only my correct information should be displayed
Consumer complaint received 2022-06-01
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)

XXXX XXXX & EQUIFAX : XXXX XXXX  XXXX XXXX  XXXX XXXX & XXXX XXXX easy pay XXXX XXXX  XXXX  XXXX & XXXX XXXX XXXX  XXXX  XXXX & EQUIFAXXX/XX/XXXXXXXX XXXX XXXX XXXX EQUIFAXXX/XX/XXXX XXXX XXXX XXXX  XXXX & XXXX XXXX XXXX XXXX XXXX EQUIFAX:XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; EQUIFAX ; XXXX XXXX XXXX XXXX & EQUIFAX : XXXX XXXX XXXX XXXX & EQUIFAX:XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; XXXX XXXX  XXXX ; XXXX XXXX EQUIFAX : XXXX XXXX XXXX ; XXXX & EQUIFAX XXXX EACH company is in violation of my rights by LAW ! 
XXXX5 USC 1681 602 A I have the right to privacy 15 USC 1681 604 2 no consumers reporting agency has written instructions from me the consumer on what is to be displayed.

15 USC 1681c requirements to the information contained in a consumer report. I requested for all accounts to be remove only my correct information should be displayed
Consumer complaint received 2017-10-09
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: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Collection company claims to have submitted for removal of account. Then XXXX has it back in the file and neither XXXX or collection company will attempt to remove it again .... 

Account is more than 7 years since last payment. The collection company has used the open date of collection or charge of date as last payment date. 

See attached most recent XXXX report. 

Also attached are copies of my XXXX report showing it was removed as originally agreed/proved it was more than 7 years since last actual payment. Not opening of collection account etc.
Consumer complaint received 2022-06-01
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. (IL)

In accordance with the Fair Credit Reporting Act Dept of ED/ XXXX ( or formally XXXX  ) Account # XXXX ( All XXXX accounts ) has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 UL.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 2022-06-01
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. (VA)

In accordance with the Fair Credit Reporting act XXXX. XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Account Number 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 2020-02-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Alliance One, Inc. (CA)

I have contacted the company multiple times through written communication advising them this debt was open due to identity theft. I have not received any correspondence from the company since I started contacting them 5 months ago. I discovered this debt by viewing my credit report this company never sent any correspondence to me for this debt. I have asked for a copy of the contract in question for 5 months now with no response. I have asked this company to delete the debt off my credit as it is in violation of rules under the fair credit reporting act.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
Consumer complaint received 2022-04-15
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. (NJ)

XXXX XXXX XXXX is furnishing inaccurate and incorrect information to the consumer reporting agencies reporting an alleged account reported as a charge off on my consumer report, but counted as income according to the IRS. The IRS Clearly defines a canceled debt or charge off as gross income in which one has to report when filing taxes ( attached ). INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes the reporting of this account as a debt inaccurate! 
The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 and the responsibilities of XXXX XXXX XXXX as a furnisher of information. 
15USC 1681 S-2 says XXXX XXXX XXXX is, a furnisher of information to a consumer reporting agency. XXXX XXXX XXXX is PROHIBITED BY LAW to furnish inaccurate information. 
15 USC 1681 S-2 RESPONSIBILITIES OF FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

15 USC 1681 S-2 ( A ) ( 1 ) ( A ) ( A ) REPORTING INFORMATION WITH ACTUAL KNOWLEDGE OF ERRORS 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. 
I have shown XXXXXXXX XXXX XXXX and put them on notice that they are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 and of their responsibilities as a furnisher of information. 

Also, XXXX XXXX XXXX did not send me the 1099C form related to this alleged account. XXXX XXXX XXXX has caused me to potentially commit fraud against the IRS by not reporting this account as income on my income tax returns. I have written to the IRS about XXXX XXXX XXXX and their failure to furnish forms and the attached correspondence has been forwarded to the IRS as well. 
I will not hesitate in bringing legal action against XXXX XXXX XXXX for Violation of My Consumer Rights and Defamation of Character. I reserve the right to sue for violations of my consumer rights pursuant to 15 USC 1681n as indicated under both the FDCPA and the FCRA.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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.

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.