davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2019 there were 14 unauthorized Chase XXXX transactions, equaling out to the amount of {$1900.00}. {$2000.00} was transferred from my savings account to my checking account and then the XXXX transactions were sent without my knowledge. The devices that accessed my accounts on XX/XX/XXXX were devices that I have never accessed with my accounts. The two devices that accessed my account were XXXX XXXX XXXX and XXXX XXXX XXXX and device history shows that these two devices only accessed my accounts on the day my accounts were compromised. I received a text alert to my cell phone at the time these transactions occurred and called Chase at approximately XXXX PST to help me handle this situation. I then spoke with a claims representative who told me that the phone numbers used in the XXXX   XXXX transactions did not match any previous phone numbers that I have ever sent funds through quick pay with. At the end of my call with Chase they stated that I had to close my accounts and open up new ones due to my accounts being compromised, which I did. Additionally I changed my username and password for mobile banking and changed passwords to my email and mobile devices. On XX/XX/2019 I called Chase as I hadnt received any updates on my claim and the money had not been put back into my accounts. The claims rep told me my claim was invalid and gave me a vague explanation as to why. They stated that they had seen no unusual activity or password changes to my mobile banking account. I asked what the next steps would be, and they said that I had to fax proof that it was not me who made the transactions and that I had to contact XXXX themselves in order receive documents of proof. I tried contacting XXXX, the company that handles Chase XXXX  XXXX and they specifically state that they do not handle any discrepancies that have transpired through personal bank accounts. At that point I was very lost and felt that Chase was giving me different excuses in order not to take on the situation and unwilling to help get my hard earned money back!
Consumer complaint received 2023-03-20
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. (OH)

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-03-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (LA)

I have been in contact with Convergent Outsourcing several times regarding an account XXXX XXXX XXXX submitted to them with my son 's information but my social. I have sent all asked for documentation proving that this is not my account I never lived at the service address and my XXXX XXXX XXXX account number is different from his. I sent evidence that my account was in good standing. I sent a credit report and a lease agreement etc. I call and they say that you are still waiting to hear back from XXXX XXXX XXXX well it's been almost three months and I am getting the same story from them doing nothing but still reporting this inaccurate information to the credit bureaus. Also, note they have not called me or currently trying to collect on this debt they just keep reporting this in accurate information. THIS IS NOT MY ACCOUNT. I gave you my son 's information which you did not have I have been completely transparent and accommodating but that stops today because I have been getting the run around. Convergent Outsourcing is knowingly reporting false information.
Consumer complaint received 2018-10-26
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. (IN)

The credit bureau 's continue to report a repossession on my credit after I have disputed it several times.. I continued to let them know the debt does not belong to me. This has been disputed every month since of XX/XX/2018and lastly disputed on XX/XX/2018 ... Also the continue to report wring names and addresses I've never lived at. I've sent in numerous of copies of my drivers license and a copy of my social security card along with copies of my bills to verify my address.
Consumer complaint received 2022-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

Hello, My name is XXXX XXXX. My XXXXXXXX  XXXX XXXX XXXX was an account holder with Wells Fargo bank. She passed away on XX/XX/2022. I went into a branch location and spoke with a XXXX in XXXX XXXX, XXXX. I went in to close the account and XXXX notified me that there were ATM withdrawals from my mothers account days after her death. We filed a fraud claim. I called Wells Fargo and they told me the claim was denied. Someone correctly guessed her PIN number, or found it written down somehow and since they correctly used her pin, they are assuming she gave permission. I know for a fact she did not want anyone using her funds. She is no longer here but I am her only child. I do not think how Wells Fargo is handling this is fair. It was an unauthorized withdrawal.
Consumer complaint received 2019-03-28
Product: Credit card or prepaid 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: CITIBANK, N.A. (CA)

I have completely given up on XXXX  bankcard customer service. 

I called them to complain about unauthorized charges on my card over 2 months ago. At first I gave my report to the unauthorized charges department. I called 2 weeks later to follow-up and was told that I actually had to call the Fraudulent Claims Department. 

So, I did. I then called 2 weeks later and was told that my claim had been sent to the Presidential Offices. So, I called them to follow-up. They said they would contact me within 2 weeks. When they didn't, I called them.

And, believe it or not, they said that too much time had passed ( 117 ) between the charges and today, so they couldn't be helpful. Half of the 117 days were waiting for XXXX to investigate the charges. So, I asked to speak to her Supervisor as was told they would get back to me within 48 hours. They make it so difficult and make you jump through so many hoops to file and see through unauthorized charges. 

All of the charges are from the same company : XXXX All of the charges were from XXXX, XXXX and XXXX, XXXX. 

The date of my first call to dispute these charges was XX/XX/XXXX. I have the phone receipts of when I made each call and how long each call was.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

A critical issue arose regarding the reporting of charged-off accounts by XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX as well as the failure to provide the required Form 1099-C for the canceled debt. Despite explicit requests, XXXX XXXX XXXX XXXX failed to provide the necessary documentation. As per IRC Section 6050P, the issuance of Form 1099-C is mandated for accurate reporting of canceled debt. The reporting inaccuracies have the potential to impact the accurate reporting of canceled debt on the income tax return. 

Regarding the reinsertion of information, Experian and XXXX, both credit reporting agencies, violated provisions of the Fair Credit Reporting Act ( FCRA ) by reinserting deleted information without proper notification and by not providing detailed information regarding the verification process. It is requested that Experian and XXXX provide proof of how they contacted to verify the information and the specifics of the information provided. Additionally, the name and occupation of the person who initiated the request to validate the concern, as well as the individual who replied to the credit agency, are requested for documentation purposes. 

Dates, amounts, and actions taken include : XX/XX/year> : Formal request made to XXXX XXXX XXXX XXXX for the issuance of Form 1099-C. 
Failure to Provide Documentation : Despite previous requests, XXXX XXXX XXXX XXXX did not provide the necessary documentation. 
Legal Provisions and Regulations : Numerous legal provisions and regulations, including sections of the Internal Revenue Code, Fair Credit Reporting Act, Fair Debt Collection Practices Act, and others, were cited to emphasize the importance of compliance. 
Reinsertion of Information by Experian and XXXX : Experian and XXXX reinserted deleted information without proper notification and failed to provide detailed information regarding the verification process. 
Request for Documentation : Request made to Experian and XXXX for proof of the verification process and details of information provided. 
This information is intended to be sent to the relevant companies involved for resolution.
Consumer complaint received 2018-10-26
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. (TN)

I am a victim of Identity Theft. I was advised by the FTC as to my rights as an Identity Theft victim. I sent in an affidavit and a valid police report. I was careful to include all fraudulent accounts and addresses which needed to be removed from my account. I was informed that the bureaus after receiving proper Identity Theft affidavit and police reports should according to FCRA laws, block these fraudulent accounts within 4 days. It has been several months and XXXX XXXX, XXXX Credit Bureau, and Experian Credit Bureau are still reporting these fraudulent accounts on my profile. The law is very clear as to the civil liability and the remedy available to me ( section 616 and 617 ) if the Bureaus fail to comply with federal law. The Bureaus have failed to comply with the FCRA laws and they have not blocked or removed these fraudulent accounts which were opened by a thief and not me. Please contact XXXX XXXX, XXXX Credit Bureau, and Experian Credit Bureau about their illegal behavior and have them comply with federal law and respect the rights of identity theft victims, such as myself.
Consumer complaint received 2017-06-25
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. (TX)

In XXXX 2016, two ( 2 ) items were removed from my credit report, one for XXXX XXXX XXXX XXXX and one for XXXX XXXX XXXX. These items were deleted and were reinserted a couple of months later. I have disputed these items, requested verification as well as validation of these debts. These debts do not belong to me and I have been trying to get them corrected. I contacted Equifax and requested the procedure used to verify the accuracy of these items. According to the FCRA, the credit reporting agency should provided, upon request, the process used for verification. This process includes, but is not limited to, names of persons spoken to to verify debt, dates and times of said conversations, as well as any and all supporting documentation. When I asked the credit reporting agency, Equifax, for these items, they responded with a form letter stating that they are not required to supply these items. Their method of verification is electronic ( XXXX ) I am requesting an IMMEDIATE and PERMANENT deletion of the above said items, because they have not and can not be proven to belong to me. Equifax and refused and failed to properly investigate these items. This situation has dragged on for far too long with no attempts by Equifax to properly handle my disputes.
Consumer complaint received 2018-10-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TIDEWATER FINANCE COMPANY, INC. (TN)

On XX/XX/XXXX I returned a phone call to Tidewater. I was advised my account was " under director approval '' for non-payment. The agent asked if I intended on making a payment to which I replied " Yes, I usually pay around the XXXX of the month ''. The agent replied " Actually last month you paid on the XXXX and the month prior the XXXX ''. While her intent was to argue, she actually affirmed my statement and also affirmed that I had indeed been making payments ; which Tidewater has accepted with no issue.

I again advised her I would be making a payment for {$320.00} plus a late fee on the XXXX. She then placed me on hold to speak to my " Account Manager ''. She returned advising Tidewater would not accept any payment unless it was made via Debit Card.

By doing so, Tidewater has violated consumer protections in regards to abuse/deceptive business practices. She also made a comment they do not accept check payments from me.

As my account clearly reflects, my payments are made via Online Banking Bill Pay through XXXX XXXX  XXXX. If my account is truly documented in such ways, why would Tidewater honor previous payments?

I was advised if I made a payment it would be returned and not honored unless I agreed to make a debit card payment through them. Further, I was advised my account would he escalated for non-payment even though I just offered to make a payment. For the record, all phone calls to and from my cell phone are recorded and retained for legal protection. Tidewater has been previously made aware of this and also records conversations on their end. This voids any recording notice that they feel they should be entitled to.

Tidewater charges for payments initiated through them regardless of the method used. Tidewater charges {$10.00} for all payments made regardless of amount. Tidewater 's business practices not only allow it to make substantial profit via this practice but also pass on added costs to consumers. This practice is clearly abusive and aimed at producing additional revenue. ACH payments cost lenders less than {$3.00} per transaction. This business practice is a ploy by Tidewater to take advantage of customers financial situation by offering sub prime lending products and charging unreasonable and unethical fees for such products in regards to servicing.

Tidewater also violated collection laws by contacting 2 parties that are not of any relation via blood or marriage to me about the status of my loan.
Consumer complaint received 2017-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

A bankruptcy is listed on my credit report. I explained in detailed on my attached letter what exactly is going on. I only communicate in writing with the credit reporting agency in case I need to file a civil case.
Consumer complaint received 2024-02-07
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)

Im writing to dispute INACCURATE information reporting on my credit report. I have also enclosed statements and payment information to prove payment was paid in a timely manner. XXXX  XXXX XXXX XXXX account # XXXX was never late. On XX/XX/XXXX the XX/XX/XXXX statement was for XXXX due on XX/XX/XXXX. I paid {XXXX} on XX/XX/XXXX. I also paid XXXX on XX/XX/XXXX for a grand total of {XXXX}. This payment was paid before the due date and the balance due was overpaid by XXXX. 

Also, for the XX/XX/XXXX payment a payment of {XXXX was due XX/XX/XXXX. I made a payment of XXXX} on XX/XX/XXXX. I also made a payment of {XXXX} on XX/XX/XXXX. I made a total payment of {XXXX} before the due date of XX/XX/XXXX. The payment due was XXXX  I made a total payment of XXXX I paid XXXX over the required payment. I have provided Experian proof payments were made timely in addition, to the actual statements and this information has not been corrected. This account is greatly affecting my credit report because this account is showing 30 days late despite my proof that this account was paid timely. XXXX  XXXX XXXX XXXX had not corrected this account nor has Experian, XXXX, nor XXXX corrected this information despite being provided with the official documentation. I have provided each credit bureau agency with a true and correct statement from XXXX  XXXX XXXX XXXX. I have also included my payment receipts and this information has not been updated or changed at all. It is the responsibility of each credit union to update their records. However, they choose to disregard this information and Experian, XXXX, or XXXX did not correct this information. 

XXXX XXXX XXXX XXXX XXXX payment reported XX/XX/XXXX NEVER LATE See Documentation Regards, XXXX XXXX
Consumer complaint received 2023-03-20
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. (NY)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to you regarding my credit report, which I recently obtained and noticed that there are several inaccuracies and discrepancies on it. Specifically, I have identified the following negative information that requires your immediate attention and correction : The personal information listed in my report is incorrect, particularly the account number and previous address of XXXX XXXX XXXX XXXX XXXX, SC XXXX in XX/XX/XXXX. This address is not correct, and I am requesting that it be deleted immediately from my credit report. 

The personal information listed in my report is incorrect, particularly the account number and previous address of XXXX XXXX XXXX XXXX, NY XXXX in XX/XX/XXXX. This address is not correct, and I am requesting that it be deleted immediately from my credit report. 

The personal information listed in my report is incorrect, particularly the account number and previous address of XXXX XXXX XXXX XXXX, SC XXXX in XX/XX/XXXX. This address is not correct, and I am requesting that it be deleted immediately from my credit report. 

There is an account listed under XXXX XXXX XXXX with the account number of XXXX. I am requesting that you verify the payment status, balance, comments, payment history and account number, as they may be incorrect. If any discrepancies are found, please fix or delete this account from my report completely. 

There is an account listed under XXXX XXXX XXXX with the account number of XXXX. I am requesting that you verify the payment status, balance, comments, payment history and account number, as they may be incorrect. If any discrepancies are found, please fix or delete this account from my report completely. 

There is an account listed under XXXX - XXXXXXXX XXXX with the account number of XXXX. I am requesting that you verify the payment status, balance, comments, payment history and account number, as they may be incorrect. If any discrepancies are found, please fix or delete this account from my report completely. 

I would appreciate it if you could investigate these issues and make the necessary corrections to my credit report as soon as possible. I am actively working on improving my credit score, and these inaccuracies are hindering my progress. Please let me know once these issues have been addressed and resolved. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-07-25
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. (OH)

The credit bureaus stated my account was properly investigated but how is that possible if the account type is inaccurate, the date opened and last active are both inaccurate, date last reported is inaccurate, and also the payment status as well. I attached a file of my credit report to this complaint. This grounds for removal, they also violated my rights under..

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2023-03-20
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. (PA)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX ( XXXX and XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ), and XXXX XXXX XXXX ( XX/XX/XXXX ) 15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2. States a consumer reporting agency can not furnish an account without my written instructions.