davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-14
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: JPMORGAN CHASE & CO. (AZ)

On XX/XX/XXXX I purchased from merchant, XXXX, a media box for {$310.00} to watch several other video features. On the same day I installed the box on my TV and it turned out to be a piece of junk. I immediately contacted the merchant and informed him that I wanted a refund. He agreed to refund, however, I had already disputed the credit card charge with Chase, my bank. Three months later I receive a letter from Chase that the charge was valid! I disputed again on the same day and I faxed Chase all the documents again to substantiate my dispute. However, yesterday, XX/XX/2020 I received another letter from Chase that the charge remains. I immediately called Chase ( XXXX ) and spoke with XXXX. I asked why and she said because I was too late in responding and nothing can be done at this point. I FAXED ALL OF MY SUPPORTING DOCUMENTS ON THE SAME DAY! I spoke with her supervisor, XXXX, and he said the same thing regardless of my complete documentation. I asked the number for the corporate office and he said he did not know it! However, I could fax another letter. I called credit card customer service ( XXXX ) XXXX ) and they said nothing can be done. I asked for supervisor and was left on hold for over 30 minutes. Then some clerk came on and said no supervisors around and it was closing time! I have been banking for over 50 years and I have never filed a complaint against any financial institution until now. CHASE HAS THE WORST CUSTOMER SERVICE EVER! I will be soon be conducting all of my banking with XXXX XXXX. Please see all of the attached documentation that I submitted to Chase, which they chose to ignor.
Consumer complaint received 2023-12-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Stuart-Lippman and Associates, Inc (VA)

A month ago, I was contacted by XXXX XXXX of Stuart-Lipman and Associates . They were attempting to collect on a debt that is not owed. I requested for a validation of debt letter, and for all further communication to cease over the phone and only via mail moving forward. A validation letter was never received within the 10 days, and then this morning, I received another phone call and email.
Consumer complaint received 2021-06-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (FL)

I HAVE NO CONTRACT WITH ANY OF THE CREDITORS I AM DISPUTING, NOR HAVE I EVER HAD A CONTRACT WITH ANY OF THE CREDITORS OR THIRD PARTY CREDITORS IN WHICH I AM DISPUTING ON MY CREDIT REPORT ; AND AM REQUESTING THAT EACH REPORTED ACCOUNT BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY FROM ALL THREE CREDIT BUREAUS INCLUDING : XXXX, XXXX  AND XXXX.
Consumer complaint received 2019-08-01
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: Experian Information Solutions Inc. (GA)

It came to my attention that my personal information was leaked in a data breach. I am not sure how the breach occurred but what I am certain that it has affected my credit adversely. I have many items that are not appearing on my report due to someone gaining access to my personal information. I have taken the necessary steps instructed through the FTC website but the errors are still appearing on my credit. This is after I contacted the credit bureaus with all the necessary documents they requested. I am writing your organization today to see if you can assist me in helping remove these fraudulent accounts off my credit report.
Consumer complaint received 2022-03-21
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. (FL)

XX/XX/2022 RE : FRAUD DEPT/ Identify Theft Update Credit files To : The Consumer Fraud Complaint Dept . 

I have contacted XXXX, Equifax, XXXX, XXXX, XXXX, and XXXX XXXX several times regarding these unauthorized fraudulent identity theft accounts on my credit files. I have submitted several complaints about identity theft and have issued proof of identity to these companies including : federal commission trade report police report, Passport utility bills, A signed Rental Lease Agreement The following accounts are in fact fraudulent identity theft accounts, I have no knowledge of the following accounts on my personal files, and they shall be removed immediately : XXXX XXXX XXXX XXXX Date : XXXX Amount : {$0.00} XXXX XXXX XXXX XXXX Date : XXXX Amount : {$30000.00} XXXX XXXX  # XXXX Date : XXXX Amount : {$1700.00} XXXX XXXX . 
# XXXX Date : XXXX Amount : {$240.00} XXXX XXXX XXXX # XXXX Date : XXXX Amount : {$430.00} XXXX  # XXXX Date : XXXX Amount : {$440.00} XXXX XXXX XXXX # XXXX Date : XXXX Amount : {$530.00} XXXX XXXX # XXXX Date : XXXX Amount : {$19000.00} XXXX  # XXXX Date : XXXX Amount : {$17000.00} I have no knowledge of the following addresses listed on my credit files, I have also reported theses addresses to The XXXX XXXX XXXX Department, and Federal Commissions Trade Report : XXXX XXXX  XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX, Florida XXXX
Consumer complaint received 2019-08-01
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. (GA)

It came to my attention that my personal information was leaked in a data breach. I am not sure how the breach occurred but what I am certain that it has affected my credit adversely. I have many items that are not appearing on my report due to someone gaining access to my personal information. I have taken the necessary steps instructed through the FTC website but the errors are still appearing on my credit. This is after I contacted the credit bureaus with all the necessary documents they requested. I am writing your organization today to see if you can assist me in helping remove these fraudulent accounts off my credit report.
Consumer complaint received 2020-02-14
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AES/PHEAA (GA)

I DO NOT have a Fed Loan? why is this on my credit report. I have never signed paperwork for any fed loan in the last 30 years? please have this removed from my credit. I have gotten calls from them and they said I would be removed from this????
Consumer complaint received 2021-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

Sunday night XXXX CST, XX/XX/2021 Chase Bank XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX # XXXX Term Id : XXXX Chase ATM stole {$750.00} Cash from my deposit due to Malfunction. 

I went to the local drive up ATM at Chase bank. New Customer with Chase and I needed to deposit Cash- {$1000.00} total. 

The Machine said it could take a maximum of 30 bills so I deposited a stack of 5, $ XXXXbills and XXXX, {$50.00} bills -- XXXX total bills. The machine then began to malfunction and spat back 5, {$50.00} saying that they could not be deposited. The machine then crashed and printed out a receipt telling me to call in to see it the deposit went through. I checked my Chase app and of nothing was deposited. I called the customer service line and no one was available to speak to and they automated line said I had no deposits. 

Things I have : A physical receipt from the ATM that does not mention dollar amounts, but a phone number with a code? 

The Bank should have security footage : I drove up to the ATM twice afterwards to document the camera angles and photograph the area. And also check my balance which never changed. 

I Started at Claim with Chase and they gave me a temporary {$750.00} on my account -- on XX/XX/XXXX, they said they closed the claim and nothing was found, stating they will take back that {$750.00}. 

They said there was not surplus in the machine and refused to look at the security footage. They said the cameras were there just for Theft and the police department could only get a hold of it -- I called the XXXX Police Department to file an investigation as well. This is theft. 

They said I can fax in the physical receipt and they can reopen the case but the person on the phone that will probably not really do much. 

The ATM Stole my money and I need assistance, it is incredibly frustrating. Please assist as I can not even get a hold of a sound person at the physical bank -- and only call center people from out of the country. 

Thank you.
Consumer complaint received 2024-02-03
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (MS)

Receivable mgmt services account XXXX is trying to collect a debt from me I sent them a letter XXXX for the original purchase agreement to show that they can legally collect this alleged debt proof that the debt was assigned or a receipt between them and progressive insurance.Receivable mgmt services is the creditor report inaccurate information on my credit report they should have signed documentation between me and them.so if they cant provide me with these documentation l ask them to delete this account immediately as am a victim of identity theft as this account is hurting my credit rating.l have no account with Receivable mgmt service or ever had one with progressive insurance.But if I did have a account with progressive insurance not saying I do I never gave them permission to sale the debt to receivable mgmt service.Receivable mgmt have 15 days to provide me the documentation I ask for if not I will file a lawsuit against them for damages and defamation of character l never got a notice or anything in the mail.
Consumer complaint received 2023-09-07
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. (AZ)

On XX/XX/2023 I submitted a dispute to Experian regarding an improper collections reporting on my credit report. I submitted a letter from my health insurer indicating that the collections was pending a claims payment and I was not responsible for the payment. The collections agency is improperly reporting the claim even though they are aware that I am not responsible for payment and my insurer is paying the claim. I spoke with an Experian agent on the same day to confirm that I submitted the dispute and paperwork. Experian resolved the dispute on XX/XX/2023 and stated the collections was accurate. I am not sure what else to do as I submitted everything showing that I am not responsible for the collections. Experian 's site does not allow me to locate the contents of my dispute and I did not receive a copy of my dispute for my records. Experian continues to report the collections even though they were provided the necessary information to remove it.
Consumer complaint received 2019-08-01
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. (UT)

I have a XXXX XXXX XXXX # XXXX that is violating my 30 day right to dispute. I never received any notice of this collection until it was placed on my credit.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
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. 

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account 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 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 2022-03-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Prizm Financial Company, LLC (OH)

XXXX XXXX XXXX XXXX and in XXXX, Prism Financial XXXX, LLC, XXXX XXXX XXXX, XXXX, OH XXXX, financed a used car for me. In XXXX, I started getting behind in car payments because my daughter became ill and was hospitalized or either in rehab most of the year. Because of her illness, I wasnt able to work that much because I was taking her to doctor appointments, calling the ambulance and going to the hospital. I asked Prizm to redo the loan or lower the payments, but they refused. I tried to trade the car in several times, but no one would do that because the cost of the payoff. Prism was harassing me over the phone and stressing me out. I was already stressed because of my daughters medical condition. I was afraid they would repossess the car when I was miles from home. I told them to come and get the car because I was beyond stressed. 
I received an email from my employer stating that my wages was being garnished for {$15000.00} starting XX/XX/XXXX. I dont have use of the car and would be paying for something I dont have. They could have lowered the payments rather than selling the car for pennies on the dollar. I am being put in the position of quitting my job, which means I could be homeless or filing for bankruptcy. There should be a law that prevents companies from doing that.
Consumer complaint received 2022-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (OR)

I received a phone call from XXXX saying he was from my bank CHASE and he was calling to reduce my interest rate from 21 % to 4 %. He asked me to confirm the last 4 digits of the credit card and the expiration date. He then looked up the statement and read me the correct balance on my credit card. He asked me to confirm my zip code. I asked for his name and he told me his name was XXXX XXXX. I asked for his ID number and he gave it to me as XXXX. He asked me if I used any other credit cards and I lied saying No as I was already worried about this call. We hung up and I quickly called my bank CHASE and told them the above. The teller recommended I quickly change my Username and Password. I did. I also changed the alerts on all my bank accounts to alert me if the balances changed. The teller also confirmed that CHASE bank does not call persons to lower their interest on credit cards. The teller recommended so I chose to report my cards as lost or stolen to receive immediate new numbers. She asked me to confirm my mailing address which was correct. After we hung up, I then called the non-emergency police number at XXXX. The police offer answering the dispatch took my information and phone number and said someone would call me back.
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (VA)

My personal information was given out to unknown unreported inquirer and no information was given or no notice given. My account was used to give a creditor I had no Affiliations with inquiry to my personal banking. XXXX XXXX  abused length of account on my credit report.
Consumer complaint received 2020-09-25
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: JPMORGAN CHASE & CO. (CA)

The CFPB has jurisdiction in this matter because it pertains to credit reporting issues committed by Chase Bank, NA in regards to potential identity theft. 

On or around XX/XX/2020, Chase had opened a credit card in my name with the account number XXXX, of {$7600.00}. This account has a XXXX balance, and Chase had closed it 30 days later, on or around XX/XX/2020, and reported " Closed by XXXX XXXX ''. 

To my knowledge, I never opened this account, nor did I benefit from this account. The fact that this account reports " closed by credit Grantor '' is hurting my credit because it implies somehow I am uncreditworthy because a credit grantor would wish to close my account. My previous attempts to resolve this with Chase have been unsuccessful. 

A copy of the erroneous item and an ID theft report is attached. Thank you.
Consumer complaint received 2019-06-20
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hi. 

On XX/XX/2019 I disputed a late payment on my credit report of Transunion. 

One of the options given to dispute was that I am not responsible since it is a business credit card and not a personal credit card. 

This is what I wrote to them : Dispute Reason Ownership : I am not responsible for this account ( e.g. belongs to ex-spouse or business account ) On XX/XX/2019 they responded with this : Verified As Accurate - It looks like this item is actually correct and that it's going to stay on your credit report. 

How is that accurate? Since it's a business card why am I personally liable? 

File number XXXX
Consumer complaint received 2022-07-01
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. (NM)

Last XX/XX/2021, I was on vacation. I purchased a ticket for connecting flights and it was on sale. First, I looked at the schedule and price before I purchased it. But after I paid for it the schedule wasnt the same before I purchased it. So I called the company and they said that the ticket was non- refundable. That day, they said that there was a glitch in their computers. I was disappointed. I called my credit card company and explained what happened. The person on the phone said its ok to dispute the charge later. So I disputed the charge and it took a long time to go through. At first it was approved and then later needing more information. So I did, i have been calling and to find out what is going on with the dispute. It finally disapproved. I was really disappointed. Anyway, I called them and negotiated but I was refused, they wanted me to pay all late charges and interest. I only would like to pay the ticket amount {$220.00}. So I said I wont even talk to these people and just waste my time. As of today they have been calling me..
Consumer complaint received 2022-03-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (SC)

Received letter dated XX/XX/2022 that states my account ending in a number is overdrawn. The letter is from TD Bank. It has no record or reports of withdrawals. It just states to make a deposit of {$5.00} as soon as possible to clear the overdraft. I spoke to Fraud division at TD Bank, XXXX. She took my information and told me to contact you.
Consumer complaint received 2021-04-15
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: FAIR COLLECTIONS & OUTSOURCING, INC. (NJ)

I had an account back in 2016 which the creditor agreed to remove from my credit report once i paid the full balance. I have been attempting to resolve this with the three credit bureaus and the creditor, unfortunately till this day they have not remove and it is causing financial hardship.
Consumer complaint received 2022-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : XXXXXXXX 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 XXXXXX/XX/XXXX I did not request anyone working for these companies to conduct any inquiries or view my credit report. Furthermore, I did not give Transunion permission to include this information on my credit report. This is a violation of Section 1681b ( c ) of the Credit Reporting Act, which constitutes fraudulent activity, as well as a serious violation of my privacy rights. Please confirm this information with these companies and send me copies of any documentation associated with these accounts that bears my signature authorizing an inquiry. 
I also demand that Transunion produce a contract between you and me, the consumer, with my signature, indicating that I granted you permission to provide any information on my behalf. 
In the absence of such documentation bearing my signature, I formally request that these fraudulent inquiries be removed from the credit file you keep under my Social Security number immediately. 
Please keep in mind that the Fair Credit Reporting Act section 611 gives you 30 days to produce the requested contract and complete this investigation. 

XXXX : XXXX : XXXX { Agent/Beneficary } All Natural Inalienable Rights Are Reserved Without Prejudice