davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (AZ)

I deposited {$420.00} in a chase ATM around XXXX in XXXX Arizona ( Term ID : XXXX ). The money was from driving XXXX for the day and instead of depositing the money via ACH or paying an instant pay fee, I took the money from my XXXX card and wanted to deposit the cash myself. After inserting the money, the ATM took longer than usual to process the cash and claimed that it couldn't read an unspecified amount of bills, however when the machine gestured to return the bills in question, no money appeared. As a result, I was given a receipt to call a number to see if my deposit went through. I first checked my app and didn't see the deposit, so I decided to call the number. When I called the number, chase 's offices were closed. 

When I called the next morning, I explained to my agent what happened. The agent created the claim and told me that I should receive a temporary credit within the next few days. I explained to her that I needed the money for rent ( which I was late for ) and that the deposit was enough to cover the balance owed, I explained to her that If I didn't pay by the end of that day, I would be sent to court by my landlord. I asked further if there's any way for them to grant the credit, she said no. When I told her that I had a similar situation years ago ( before I closed my 1st chase account as I re-opened one recently ) she said " we don't do that anymore ''.

Long story short, Im transitioning to chase from my current primary banking account as I no longer want to do business with them. This is absolutely not a good first impression for a new/returning customer as the lack of adequete customer service poorly reflects the proper way of handing a critical issue. I am considering switching to another bank instead of chase as your customer service rep showed where chase 's customer service values truly lie. Im not getting evicted over this, I did everything I was supposed to do. Unacceptable on chase 's part.
Consumer complaint received 2023-04-10
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. (FL)

I disputed and Company delayed for over 3 month, got results and did did nothing, didnt investigate like the other 2 Credit companies which found in my favor. I disputed to TransUnion that a collection account just popped up in their report and after waiting a month they did nothing but tell me they confirmed the information and will not remove it. At the same time I disputed with the collection agency and they provided me with paperwork which clearly states another entity and dates which do not belong to me. TransUnion never did a dispute, they claimed they did, yet I have the proof they didnt. The reason is that they make money having negative information on people so they can sell their services on fear.
Consumer complaint received 2019-10-08
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. (AL)

I sent my dispute letters to Experian, XXXX, and XXXX showing proof and law from the FCRA, but they will not delete the inaccuracies of my credit files. Inaccuracies from XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, Department of Education , XXXX XXXX XXXX, XXXX XXXX, and XXXX. What more do the credit reporting agencies want?
Consumer complaint received 2019-10-08
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: Experian Information Solutions Inc. (FL)

Experian is not properly looking at the information on my report and is not making XXXX XXXX XXXX  XXXX properly and correctly provide sufficient information. This negative reporting account XXXX is not my account but the XXXX is. Experian has not been helping when I requested a re-investigation they are not re-investigating they are only going by the outcome from 5 years ago and it is not fair. This information on my report is not correct and its affecting my report! 

I took out a loan with XXXX XXXXXXXX some years back on a car that I had already owned! A XXXX  XXXX XXXX which was {$5000.00}. The loan was paid in full and I received proof of payment and the title. The problem is XXXX XXXX is damaging my credit report with all three credit bureaus as if I took out two separate loans with them and I only had one EVER! One account is showing under account number XXXX and the other is showing under XXXX. They are reporting one correct in good standing no late payments, then the other they are reporting 120 days late WHICH NEVER happened this error is under account number XXXX. 

I have disputed this several times and XXXX XXXX XXXX XXXX is refusing to view their records to see their mistake to correct it, they are only seeing that I did have a loan and reporting it as accurate. I have reached out to XXXX XXXX by phone and certified mail to correct this. When I called I was informed by the rep with XXXX XXXX that my account was never 120 late, which I knew. She provided me with their reporting department address. I sent them certified letter with proof with no response! I even emailed and to the CEO and still no response!
Consumer complaint received 2019-05-25
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. (MS)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX,
Consumer complaint received 2018-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (FL)

I aply for Discovers Credit card and they send me by email they more information and I call they Check process after about 30 minutes they say My Credit is very short to aproved I have on this time over 660 for me ist about because XXXX XXXX XXXX and This is racism
Consumer complaint received 2023-08-17
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. (AK)

12 CFR 1016.7, consumers retain the right to opt out of reporting services at any time. As of XX/XX/2023 I am exercising my right to opt out of your reporting services. 

You ( EQUIFAX ) stated you needed more information like account numbers etc. It was requested by the CFPB that I do NOT disclose private information in my report. Furthermore, in the evidence attached to my report should have given you the necessary information. My name and information is already in your system without my written consent. I am demanding to be opted out of your credit reporting services ASAP! If not done within a timely period, further action will be taken to the proper authorities. The Furnisher of my information is XXXX XXXX XXXX Thank you!
Consumer complaint received 2022-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX, and again on XX/XX/XXXX, I wrote letters from my location at the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX to JPMCB ( see attached two letters ), requesting copies of my statements for XXXX, as I had been XXXX  since XX/XX/XXXX and upon reviewing my Credit Report, I discovered past due amounts that could only be by fraudulent purchases that I did not make, as I was XXXX. JPMCB never sent me the requested Credit Card Statements for my review and therefore, I was not allowed an opportunity to review these charges and dispute, accordingly. JPMCB did not reply to my request for account statements within the 30 days required for a response, on either request of XX/XX/XXXX, or XX/XX/XXXX, therefore they have not acted within the requirements under the FAIR CREDIT REPORTING ACT ( FCRA ), and are therefore in violation of the FCRA. JPMCB only sent a XX/XX/XXXX letter saying that everything that they reported to the Credit Bureaus was correct, there was no statements sent to me by them during this time. Also, please note that I promptly notified the FBI and informed them of these crimes and others committed against me within the attached letter to Special Agent XXXX XXXX of the XXXX XXXX XXXX XXXX in XXXX, New Mexico on XX/XX/XXXX. Additionally, I have attached the New Mexico First Judicial Civil Court filings against those who perpetrated completed financial and identity theft and fraud against my person, while I was XXXX in a Federal XXXX in XXXX, LA.
Consumer complaint received 2022-08-16
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Velocity Portfolio Group (WA)

My debt with XXXX was sent to XXXX debt collection services and both XXXX and myself agreed I would pay 6 payments of just over XXXX dollars each as full settlement of the debt. The day before I was set to make my final payment I was told that the debt had been " recalled '' and that I had to call XXXX. When I then called eaglevalley they admitted that all of this was true and that instead of one payment of XXXX left to settle the debt I now owed over XXXX dollars. I'm worried I'm being lied to and scammed. I was given an agreement to settle the debt and it is not being honored. I have emails to prove the settlement and payments. Now I'm recieving calls from a collection agency called velocity investments for what I believe is the same debt. the number of velocity investments is XXXX. I don't know how I'm supposed to believe yet another debt collector about this debt when the last one lied to me. Please help. thank you.
Consumer complaint received 2019-10-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MD)

To whom it may concern : Please remove this file from my credit report as this debt do not belong to me. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. Ive never had any relationship with Credit Collection Service collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2019-10-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: STERLING JEWELERS, INC. (FL)

I was on a payment plan, paying $ XXXX/month. During this " 3month hardship, i wasnt supposed to get late fees. '' However, they continued to charged me late fees. as I was paying what was agreed. I made several phone calls, they told me the program would take effect after 3 payments of {$90.00} was made. After the 3 payments, still the same thing. late fees. So I stopped paying, because they couldnt give me what was initially promised.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX a hard inquiry XXXX XXXX XXXX XXXX late payments, when paid on time ), bank of america 15 USC 1681 Section 602 states i have the right to privacy 15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15USC 1666B a creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose
Consumer complaint received 2019-05-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Loantopia (CA)

I received an installment load from Loantopia. I am having trouble with paying it back. XXXX the collector from Loantopia has been call my phone from different phone numbers and will not stop. I am receiving 2 call 5 hours out of the day M-F. XXXX has also called my office and spoke with a colleague regarding this debt that I owe which is a violation of my privacy. I tried to settle with XXXX but she would not compromise. After the last call with XXXX before hanging up I heard XXXX have a conversation with someone in her office stating " There's no way I'm going to let her settle for that much. I need my commission, girl '' This is starting to have a negative impact for me at work and I can't leave my phone on because she is calling from different numbers. What if I have any emergency and someone is trying to reach me because of my daughter? It's too much and it's causing me anxiety. Please help.
Consumer complaint received 2019-05-25
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: 2288984 Ontario Inc. (TX)

XXXX XXXX ( akaXXXX ) is misrepresenting a situation.

I got a call today XX/XX/2019 from a lady wanting to serve me papers at my residence. I told her come on i was home. She insisted on giving me XXXX XXXX phone nimber XXXX and a claim number XXXX. Within 5 minutes both my sister and ex-husband called saying she had called them also telling them i was being served for not paying a debt and to call mr. XXXX. Lady never came. I callef mr XXXX and he wanted to talk about an old moneykey payday loan from years earlier where i had already filed a cease n desist.
Consumer complaint received 2018-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Trans union has not been able to provide me mechanisms to prove to me as required by Federal law FCRA that XXXX : XXXX actually belongs to me. 

According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), They are required by Federal law to verify- Through the physical verification of the original signed consumer contract-any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account.

I want to see verifiable proof ( an original consumer contract with my signature on it ) or remove this account.
Consumer complaint received 2024-03-31
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (GA)

I am writing to express my profound dismay and seek clarification regarding the sudden closure of my Discover credit card account, ending in XXXX. Since becoming a Discover cardholder in XX/XX/XXXX, I have diligently maintained my account, showcasing loyalty and consistent usage over the past six years. My credit line, which had been meticulously built up to {$10000.00}, reflects my responsible financial behavior and trust in your services. 

On XX/XX/XXXX, I was surprised to receive an email regarding an internal investigation, requiring my consent to submit a 4506-C form to the IRS for identity verification and tax information review . The nature of this investigation was unclear to me, as I have always adhered to the terms of service and have not engaged in any activity that would warrant such scrutiny. 

Following this, I received a call from your customer service center, informing me that the investigation had proceeded but without offering any further details. Despite my confusion and concern, I complied with the request and provided my consent for the investigation, trusting in XXXX 's process and integrity. 

However, on XX/XX/XXXX, I was shocked to find my credit card deactivated without any prior warning. This was followed by emails confirming the closure of my account. The absence of communication and explanation from Discover regarding this significant action has left me both troubled and disappointed. The decision to deactivate and close my account, especially without clear communication, undermines the trust and reliability I have placed in Discover over the years. 

I respectfully request a thorough explanation for the closure of my account, including the specific reasons behind the internal investigation and the subsequent decision to close my account. Additionally, I would appreciate guidance on the steps that can be taken to address this matter promptly and fairly. 

Your attention to this issue is not only crucial for resolving my current predicament but is also essential for maintaining the trust and confidence of your customers in your processes and decisions. 

Thank you for your immediate attention to this matter. I look forward to your prompt response and resolution.
Consumer complaint received 2024-06-03
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Bureau of the Hudson Valley, Inc. (AR)

XXXX gave away my personal information to a third party debt collection agency without my knowledge or consent as well as Collection Bureau Hudson Valley for unlawfully accepting, obtaining and searching my personal information without my knowledge or consent. I don't know who Collection Bureau Hudson Valley ( CBHV ) is considering that I didn't sign any contracts or agreements with them. I've reached out to the company via email to no avail for original copies of everything with my original signature and I have personal recordings of phone calls to which I was told two different things. As of now I am waiting with my attorney to pursue legal action because I feel like a victim of identity theft and all the outrageous phone calls that I have received daily in a week.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (TX)

in accordance with the fair credit reporting act XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX a hard inquiry XXXX , THD/CBNA ( late payments, when paid on time ), bank of XXXX 15 USC 1681 Section 602 states i have the right to privacy 15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15USC 1666B a creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose
Consumer complaint received 2019-04-09
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. (MO)

I'm disputing the following accounts due to my identity being compromised years ago and it's still haunting to me when I see my credit report. My credit report is filled with unauthorized and unknown accounts. The following accounts I'm demanding to be removed from my credit report, ( 1 ) XXXX XXXX, ( 2 ) XXXX   XXXX XXXX, ( 3 ) XXXX XXXX XXXX, ( 4 ) XXXX XXXX XXXX {$130.00}, {$370.00}, ( 5 ) XXXX XXXX XXXX {$1000.00}, ( 6 ) XXXX XXXX XXXX {$51.00}, {$240.00}, {$120.00}, please remove these accounts immediately.
Consumer complaint received 2019-05-25
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. (NC)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account XXXX XXXX ( Original Creditor : XXXX ) XXXX
Consumer complaint received 2019-05-25
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. (NC)

There is no sufficient information to support the credit bureaus claim. The payment here is sent in advance so I don't understand why this is past due..Please fix this for me.. I was not late on XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

There is no sufficient information to support the credit bureaus claim. The payment here is sent in advance so I don't understand why this is past due..Please fix this for me.. I was not late on XXXX   XXXX XXXX, XXXX/XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX