davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-08
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 — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (CA)

JPMCB AUTO / XXXX / 30 DAYS 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2022-02-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 32 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2022-10-09
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-10-09
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. (CA)

equifax, XXXX, XXXX said the what they are reporting is accurate... attached is my credit report saying it's not .... obviously they didn't do an investigation because my credit report is still the same ... ... dates and amounts are wrong!! you can see it for yourself ... ..that 's a violation... let 's not waste each other 's time and correct the situation!! I'm tired of going back and forth... IF THERES INCONSISTENCIES DELETE IT! 


this is for the XXXX XXXX XXXX XXXX and account XXXX XXXX
Consumer complaint received 2018-07-02
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: Paypal Holdings, Inc (VA)

On Sunday XX/XX/XXXX I purchased 3 comic books in 3 separate transactions through paypal/XXXX. One purchase was {$500.00} XXXX XXXX XXXX comic book XXXX graded at 2.0 and paypal charged me a fee of {$14.00}. the 2nd transaction was for {$200.00} XXXX XXXX XXXX XXXX graded 9.0 and paypal charged me a fee of {$6.00}. 3rd purchase is for {$200.00} XXXX XXXX XXXX XXXX graded in 9.4 and paypal charge me a fee {$6.00}. In all 3 separate purchases totaling {$920.00}. I filed a dispute with Paypal since the seller has cut off all contact with me. I have tried reaching the seller by phone and through messages and haven't heard anything. My comic books should have shipped by now. I'm requesting paypal refund me my {$920.00} since I haven't gotten what I paid for.
Consumer complaint received 2024-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following inquiry need to be removed : XXXX - Date : XX/XX/2023
Consumer complaint received 2022-10-10
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. (MO)

In accordance with the fair credit report act, The list of Accounts below has violated My FEDERALLY PROTECTED CONSUMER RIGHTS!!!, To PRIVACY and CONFIDENTIALITY under 15 USC 1681. 

XXXX XXXX  Account number XXXX XXXXXXXX XXXX  Account number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX Has violated my rights 15 USC 1681 section 602a, States I have the right to privacy 15 USC 1681 Section 604 A, Section XXXXIt also states a Consumer reporting Agency Can not Furnish A account without my written Consent or Instructions. 

15 USC 1681c. ( a ) ( XXXX ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item if information other than records of convictions of crimes which antedates the report by more than seven years, 15 USC 1681 sXXXX ( a ) ( XXXX ) 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 2023-06-26
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. (MI)

On XX/XX/XXXX at XXXX EST I booked a room online with XXXX XXXX XXXX XXXX XXXX using my Chase Prime Visa Card for an upcoming stay. I paid the full price for the room, {$310.00}, on XX/XX/XXXX which is both the date I executed the transaction and the date reflected on my receipt from XXXX XXXX. Per the terms on the XXXX XXXX booking page where I executed the transaction on that day : " The full amount of stay will be charged to your credit card immediately ''. 

I was enticed to use my Chase Prime Visa card for this XXXX XXXX transaction based solely on the fact that I had clicked upon, activated, and accepted a " Chase Offer '' which was available to me on my Chase Prime Visa card specifically for making a XXXX XXXX booking. But for this specific Chase Offer, I would not have used this Chase credit card for this particular booking, and would instead have used my XXXX credit card. 

The terms of the Chase Offer in pertinent part read : " Earn 10 % back on your stay at a XXXX XXXX branded hotel when you spend {$100.00} or more, with a {$32.00} back maximum... Offer expires XX/XX/XXXX. Offer valid one time only. Complete payment for your stay must be made by XX/XX/XXXX. '' Though I have clearly fulfilled all the terms of this offer as extended to me and accepted by me on XX/XX/XXXX, Chase is denying the money owed as a statement credit due to whatever the internal processes/ interactions that occur between the merchant and banking entities on the back end of this particular transaction that caused it not to show on my Chase account until XX/XX/XXXX, 11 days after I had paid the full amount for my stay per the terms outlined by XXXX XXXX on the booking page as well as per the terms of the Chase Offer. 

The idea that I, as a nave consumer who has followed all the rules and lived up to all the terms extended to me by both of these multinational corporations, should be penalized for whatever Byzantine processing delays caused this transaction not to filter through to the Chase side until 11 days after I executed this transaction is utterly preposterous. Nowhere in the terms and conditions of the Chase Offer is there any sort of language indicating that any scenario like this might jeopardize the statement credit. 

How far ahead of time would a consumer need to execute their transaction in order to fulfill the terms of the offer in such a scenario? Clearly, its 11 days or more. Is it 20 days? 30? If the consumer needs to execute the transaction 11, 20, 30 or more days before the expiration date in order to receive the statement credit due to them, this needs to be explicitly communicated in the terms and conditions of the offer.
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (NY)

Synchrony Bank/Walmart card is reporting to XXXX XXXX is reporting the account is closed. It can not be updated to active because it's closed. 
XXXX XXXX XXXX is reporting said account on Synchrony Bank/Walmart .
Consumer complaint received 2022-10-09
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. (LA)

The following Credit Bureaus are in violation of the FCRA Act 601 ( a ) ( 1 ), & ( 611 ), 623 ( a ) ( 5 ), Also FCRA Compliance Date Act. XXXX, XXXX, TransUnion. along with Collections Agency, ( XXXX XXXX XXXX, response to CPFB response XXXX reference number XXXX ). 
All attached evidence of Violations and inaccurate reporting on this account is provided on the account in question. ( See Attached ) XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

A response was received by CFPB by XXXX XXXX XXXX in reference to XXXX XXXX XXXX, which clearly stated in the response the " Date of First Delinquency '' for this Account XXXX, is XXXX XXXX? ( see attached ) XXXX is reporting on my credit file the " Date of First Delinquency '' for this same Account is in question XXXX XXXX XXXX XXXX XXXX? ( see attached credit file ) TransUnion is NOT reporting any Required according to FCRA Compliance Date, '' Date of First Delinquency '' on my credit file which is required for reporting? ( see attached ). 

XXXX is NOT reporting on my credit file the " Date of First Delinquency '' for this account as required by FCRA Compliance Date ACT. ( see attached credit file ) The FCRA Compliance Act not only Requires the " First Date of Delinquency '' to be reported on the credit file, but also Required the reporting " Original First Date of Delinquency '' to be the same and can not be changed in all reporting agencies, It is illegal to re-age the account date which is a serious committed violation. 

Also, XXXX XXXX XXXX, on behalf of XXXX XXXX has NOT provided the required information, which was requested to validate the account. Submitted Monthly statements, and the agreement contract, does not substitute the requested documentation agreement that bears the " SIGNATURE of the alleged debtor wherein he/she agreed to pay the creditor.This information has not been received, and is vital since a serious violations of the original first date of delinquency differs in the credit reporting bureaus on account in question. 

XXXX is reporting on my credit file in reference to the same account XXXX XXXX XXXX Account Number XXXX, XXXX XXXXXXXX XXXX A Balance of {$930.00}, A Status of serious past due, assigned to attorney collection internal agency, BUT REPORTING ACCOUNT IS PAID OFF on credit file ( see attached ) with no original date of delinquency reported on account this is a requirement according to FCRA Laws.
Consumer complaint received 2021-06-13
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO LOANS OR LEASES 1. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

XXXX. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2018-07-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: ECMC GROUP, INC. (MD)

Hello, on XX/XX/XXXX complaint # XXXX I received this message ... XXXX XXXX has learned through this complaint that XXXX XXXX is not the correct consumer we are attempting to contact. As such, XXXX XXXX ' contact information has been removed from the account and she will no longer be contacted regarding this account. We apologize for any inconvenience caused through our communication efforts.

Now they're after me again and I filed another complaint # XXXX on XX/XX/XXXX.

Why are they after me again if it was proven that it wasn't mine and I received a check in the mail from a lawsuit that was filed against them from contacting people?
Consumer complaint received 2023-12-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NH)

I have applied for the TPSLF since I first learned about it in XXXX. At that point I completed all employment verification forms and submitted my application. I continued to send in employment verification forms once XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX It took months for everything to be approved and processed ( by XXXX ). I was grateful to have received a letter on XX/XX/XXXX notifying me of loan forgiveness and received a refund ( which totaled 9 payments ) with a " pay off '' date of XXXX I realized that there were at least 9-10 payments that were not accounted for. I have made many attempts ( via live-chat, email, website, phone ) to request a reconsideration for the payment counts through both XXXX and FSA. I only received responses of " congratulations, your loans have been forgiven '' and not one indicated that my request would be granted. Case numbers have been sent to me via email ; however, only two of them show up in my portal and both are " closed '' without an explanation. I have even submitted complaints on their websites and requested my complaint be escalated to speak with an Ombudsman. I never received confirmation or communication. I finally was able to speak with a live person on a " Call Back Request '' was made on XX/XX/XXXX and was given a case number. He kindly told me that there was a note on my account of " payment under review '' but that was it. He also told me that an Ombudsman representative would call me between XXXX XXXX XXXX and if I didn't answer the call, that I would miss my chance to speak with an Ombudsman because they don't leave messages or call back numbers. I waited and made sure that I was available to receive a call ; however, I never received a call or any other further communication. Through other resources, I learned that once an Ombudsman case is open, then I could call a number or email ( XXXX ) and if an Ombudsman doesn't provide assistance to email XXXX XXXX XXXX I didn't reach out to them because I never receive a call and therefore was never given an " open case '' and I can't say that an Ombudsman didn't provide assistance because I can not seem to get in touch with one, nor has FSA ever responded to my multiple requests within the past year.
Consumer complaint received 2019-07-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX reporting a debt of {$330.00} was added to my personal file XX/XX/2016 as I discovered through my monitoring service. This account is a result of identity theft and has been reported and is being investigated and blocked from my file. I have tried to reach out to this company in regards to resolve and remove this fruadulant account from my file. This account does not belong to me.
Consumer complaint received 2018-07-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (MA)

Diversified has reported illegally to the credit bureaus on a MA resident under their own name as opposed to the name of the credit in violation of 209 CMR 18.17 : Unfair Practices.

I have sent them three certified 93A Demand notices ( XX/XX/2018, XX/XX/2018 and XX/XX/2018 ) informing them of their illegal activities ( state and federal violations ). They have continued in their illegal listing and attempting to collect.

209 CMR 18.17 : Unfair Practices : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of 209 CMR 18.17.

( 11 ) For a debt collector to report to a consumer reporting agency on its transactions or experiences with a debtor in the debt collectors name. However, a debt collector may, with the express written authorization from the creditor, report to a consumer reporting agency in the creditors name.
Consumer complaint received 2021-06-13
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: EQUIFAX, INC. (GA)

I have been reaching out to Equifax about the XXXX XXXX XXXX account that is reporting inaccurately on my report. I asked for them to investigate and verify the information they are reporting and I haven't received a response from them, proof an investigation was completed, comments showing the account was in dispute or anything. I have been sending letters to them since XXXX of 2020 and still haven't received a response in regards to this account. I'm in the process of trying to purchasing a home and this inaccurate account is preventing me from moving forward. They are also still reporting an outdated Bankruptcy.
Consumer complaint received 2022-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

I noticed a few remarks on my credit report that is severely holding back my ability to be financially stable. I believe these accounts I have listed below are inaccurately reporting. According to my FCRA rights I have the right to dispute anything if I believe its inaccurate. I have listed the accounts and the issues i see with them below XXXX XXXX  XXXX False 30 day late pay reporting Date Last Active XXXX : XX/XX/2022 Transunion : XX/XX/2022 XXXX XXXX XXXXXXXX Account falsely reporting to transunion I have attached my ID and proof of address to get this resolved without any issues
Consumer complaint received 2023-06-26
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Credit Systems,Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX has called me for a debt that i owe to XXXX XXXX XXXX XXXX. In the amount of XXXX and had threatened to garnish my wages for this debt
Consumer complaint received 2021-06-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Last 4 digits of ssn : XXXX  To whom it may concern, Im writing this letter to dispute the following account : Account number ending in XXXX Balance : {$2400.00} I, XXXX XXXX has received proof from Bank of America that they have certified to XXXX  that the following account ending XXXX is accurate and factual. According to 15 usc 1681a ( e ) investigation, it is clearly stated that such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I feel like Im being taken advantage of and being ignored of my disputes. I demand this account be deleted immediately or I will file for litigation due to the stress you caused me.
Consumer complaint received 2022-10-10
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I investigated my credit report, I realized that some of the information was erroneous. Equifax is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below and DELETE instantly from my file : XXXX XXXXXXXX XXXX XXXXXXXX