davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

I stopped by the Chase location in XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX NY ) around XXXX on XX/XX/2022. At this location, I used the far left of two ATMs to withdraw {$20.00}. After leaving, I got a text from Chase Fraud at XXXX asking if I just withdrew {$400.00} from the same ATM location. I responded NO at XXXX, upon which Chase sent a text saying they would close my card and send me a new one. 

The next day ( XX/XX/XXXX ), I called the chase number on the back of my card ( XXXX XXXX XXXX ) to report the fraudulent withdrawal from the night before. I explained what happened and submitted a claim ( ID : XXXX ), to which I was credited {$400.00} in my account. 

On Friday XX/XX/XXXX, I saw in my bank account that {$400.00} was being withdrawn from my bank account as a claim reversal. Surprised, I called Chase on XX/XX/XXXX to ask what happened. Chase said that since I was still in possession of my card, the charge was mine and denied my claim. Chaise claimed they reviewed video and the evidence justified the claim reversal. The representative told me that I could go to the Chase branch and talk with the Branch Manager to get video from the ATM vestibule camera ( even though Chase said they reviewed the video ) and submit it as proof. Until then, there was nothing they could do. 

Today ( XX/XX/XXXX ), I went to the branch in question and talked with the branch manager ( XXXX ). He said all camera activity is monitored by a third party and that he was unable to procure the camera from the ATM vestibule or the ATM itself in order to send to Chase. He said there was nothing he could do except call Chase 's fraud department in order to reopen the claim. 

I again called the Chase claim department and asked to reopen itthey said the claim was closed and short of faxing them new evidence, there was nothing they could do. They even recommended me going to the branch and asking for evidencewhich is exactly what I just did. This has been a very frustrating process for meI 've been a Chase customer for over 10 years and am on the brink of moving to another bank.
Consumer complaint received 2022-05-18
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. (CA)

I sent a complaint with TRANSUNION regarding account discrepancies on my account that were not valid. I sent the complaint 30 days ago, on XX/XX/2022, complaint number XXXX, and transunion failed to reply within the 30 days. According to the FCRA, that grounds for removal of those items on my credit. The accounts are XXXX  Account XXXX XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account XXXX XXXX
Consumer complaint received 2021-11-12
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: Experian Information Solutions Inc. (NY)

This is in regards to an account listed on my credit report as : XXXX XXXX XXXX XXXX XXXX XXXX. This alleged debt is past the statue of limitations. Experian continues to report as verified current information, This is also in regards to an improper address that is now appearing on my report as " XXXX XXXX  - XXXX, NY ". This is not a correct address and Experian will not remove. 

I received documentation from debt collection agency that shows this alleged debts original date of delinquency as XX/XX/XXXX. This alleged debt is now past the statue of limitations for collection and is now time barred. The debt collection agency no longer has the right to collect on this debt, therefore they ate no longer permitted to report this alleged debt to the credit reporting agency. The debt collection agency is also trying to report a new address of XXXX XXXX XXXX, NY Which is not a legal address and it is believed they are doing this as a form of retaliation due to them receiving a cease and desist letter from me, due to them trying to collect on a time barred debt, that is past the statue of limitations for collection. 
Documents attached.
Consumer complaint received 2022-12-16
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. (IL)

This is my secondary request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXX Balance XXXX {$77.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$16000.00} ; XXXX XXXXXXXX Balance : {$440.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ;
Consumer complaint received 2022-05-18
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (SC)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2019-07-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY (NJ)

I opened an Every Day Checking account with Wells Fargo on XX/XX/2019 where promotion of {$400.00} was offered. The term to receive the bonus was " Within 150 days, make $ XXXX of cumulative monthly direct deposit for three consecutive months. 
I interpreted the condition as making {$3000.00} direct deposit within 150 days and also confirmed with the branch sales person on the same. I set {$2000.00} direct deposit to this new account every month. On XX/XX/XXXX, I was not getting the bonus so I called the customer service. The agent on the call also reviewed the condition and assured me that the deposit will be made soon. On XX/XX/XXXX. I received the letter from the company stating that I am not qualified for the bonus because the direct deposit has to be over {$3000.00} every month for three consecutive month. At that I time, it was too late to adjust my direct deposit because three month will be over 150 days. 
I admit that it was my fault not fully understanding the term on account opening but also the stated term can be misleading as I interpreted as making cumulative {$3000.00} within three month. It was also misunderstood by the agent who helped me opening the account and also the customer service agent who could have corrected me when I was calling to review the situation.
Consumer complaint received 2022-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Bread Financial Holdings, Inc. (MD)

I got a solicited letter from Comenity Bank for a balance transfer to be done by XX/XX/2022. I went online and initiated that transfer of {$4400.00} on XX/XX/2022. Said allow up to 30 days for review and processing. It was approved and initiated on my statement with Comenity on XX/XX/2022. I kept getting statements from XXXX showing no pay off. Went to check my credit score which went down approx XXXX or more points over this. Now I am accruing more interest and my credit score has been affected. Called Comenity to be told it is a know issue sorry and we can stop the request if you like. How is this legal or allowed??
Consumer complaint received 2019-07-28
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: Integrated Asset Recovery LLC (FL)

XXXX case # XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. CLOSE THIS ACCOUNT. I AM PERMANENTLY XXXX DUE TO AN INJURY. ALL ACCOUNTS SHOULD BE CHARGED OFF AND CLOSED.
Consumer complaint received 2021-11-12
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC. (CA)

I turned in my vehicle on XX/XX/2021 to the dealership, and received a letter from Ally Financial on XX/XX/2021 confirming that the account was settled. I subsequently received a bill from the California DMV for registration for the year starting XX/XX/2021. I ignored the notice, figuring the car was now back in Ally 's hands. When I received a second DMV notice, I sent correspondence to DMV, called the dealership and Ally, and was assured it was just a delay in processing title. I have now received yet another notice from California DMV threatening wage garnishment due to the registration fees for a vehicle I no longer own. I have spent hours attempting to reach a responsible party at Ally, and have been mis-transferred, disconnected, or simply left on hold for hours on end. Ally had me call what the agent called " title department '' on XXXX, and I was told this was Ally 's responsibility, not theirs. Ally 's cavalier handling of the matter is irresponsible and offensive. I suspect Ally 's " incompetence '' is in fact a scheme to get me to pay for their registration on their vehicle - this seems like an outright scam.
Consumer complaint received 2022-12-16
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: Experian Information Solutions Inc. (FL)

I submitted a letter to the 3 Credit Bureaus to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Kindly correct or remove the following right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-17
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Financial Business and Consumer Solutions. (NC)

This company was calling every day for the better part of a month. I can not /will not answer phone calls concerning personal debts while in an office. There have been instances of later phone calls and weekend calls as well, which is completely unprofessional and serves as harassment. Last week, I answered and immediately told them to stop calling. They continued to call XX/XX/XXXX ( XXXXXXXX XXXX  ) and XX/XX/XXXX XXXX XXXX XXXX ) ; each time, I repeated my request to stop calling me. On the last occasion, I told them I was going to report them. 

The calls did not come in Monday or Tuesday of this week but I received one at XXXXXXXX XXXX  yesterday. This company has not sent me a single piece of paperwork to identify themselves and who they are working for.
Consumer complaint received 2023-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MRS BPO, LLC (NC)

this is inaccurate information thats reporting and i want these to be removed im a victim of identity theft and wasnt my consent ive also check the credit reports and the dates are not the same so on the credit bureau by law has to be removed because its proven isnt mines and not my consent and it has different dates
Consumer complaint received 2022-12-16
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: MECHANICS BANK (CA)

In accordance with the fair credit reporting act Account Name : XXXX XXXX Account # XXXX / Account Name : MECHANICS BANK XXXX XXXX  Account # XXXX has violented my rights. 

15 USC 1681 Section 602 states I have right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without a written instructions.

15 USC 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late payment.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

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 XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX  Account Number:XXXX and 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 2022-10-13
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. (SC)

I AM WRITTING TO YOU BECAUSE I HAVE RECENTLY REVIEWED MY CREDIT PROFILE AND FOUND THAT I HAVE MULITIPLE ERRORS BEING REPORTED, SPECIFFICALY SOME UNAUTHORIZED HARD INQURIES. I RECEIVED AN EMAIL FROM MY BANK TELLING ME THERE WAS A DECREASE IN MY CREDIT PROFILE. I DO NOT KNOW, OWN, OR GIVE AUTHORIZATION OF ANY OF THE ACCOUNTS LISTED. THIS IS UNAUTHORIZED USE OF THE SOCIAL SECURITY NUMBER/ CREDIT CARD PURUSANT TO 15 U.S.C. 1602 ( L ) AND 15 U.S.C. 1602 ( P ). WHICH IS A CRIMINAL LIABILITY PURSUANT TO 15 U.S.C. 1611 FOR WILLFUL AND KNOWING VIOLATIONS OF FEDERAL LAW AND THE FAIR CREDIT REPORTING ACT. I HAVE FILED A IDENTITY THEFT REPORT WITH IDENTITY THEFT.GOV. PLEASE SEE THE ATTACHED. THE ACCOUNTS LISTED HAVE BE OPEN WITHOUT THE CONSENT OF THE CONSUMER. I HAVE NOT RECEIVED ANY BENEFITS FROM THE UNAUTHORIZED USE OF THE ACCOUNTS LISTED AND I DEMAND THAT ALL PROCEEDS GENERATED IN THE NAME OF THE CONSUMER BE RETURNED IMMEDIATELY AND FOR THE CONSUMERS CREDIT PROFILE BE RESTORED TO XXXX AS IT PREVIOUSLY WAS. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX PURSUANT TO 15 U.S.C. 1681 ( a ) ( 4 ), There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy- THIS IS A VIOLATION OF PRIVACY AND I DEMAND THESE UNAUTHORIZED ACCOUNTS BE REMOVED. 

SINCE THERE IS NO BUSINESS AGREEMENT OR CONTRACT BETWEEN ME AND THE CREDITORS LISTED ABOVE AND THEY DID NOT HAVE MY AUTHORIZATION, VERBAL OR WRITTEN, I DEMAND THAT YOU DELETE THESE UNAUTHORIZED USER AND INQUIRIES FROM MY CREDIT PROFILE IMMEDIATELY AS THERE IS NO EVIDENCE OF ANY AUTHORIZATION TO DO BUSINESS OF ANY KIND. 

PURSUANT TO 18 U.S.C. 1028 ( A ) ( 7 ) - knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person with the intent to commit, or to aid or abet, or in connection with, any unlawful activity that constitutes a violation of Federal law, or that constitutes a felony under any applicable State or local law. 

THESE ACTIONS ARE CRIMINAL AND UNLAWFUL. THE COMPANIES LISTED ARE REPORTED ON XXXX, TRANSUNION, AND XXXX.
Consumer complaint received 2023-03-03
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. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-18
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. (MA)

In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX ACCOUNT # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX 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
Consumer complaint received 2022-12-16
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC. (MI)

As stated on XX/XX/2022 per complaint number XXXX Midland Credit Management contacted me saying they will Cease and desist contacting me. But on XX/XX/2022 They sent yet another threatening letter. They are frightening me. I lost hours at my job I'm a XXXX mom of XXXX this is causing stress that they are not following laws set forth by congress or by your CFPB v Encore lawsuit.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NE)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.