davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Hello, i have s chase college student account. On Wednesday XX/XX/XXXX I deposited a check for {$19000.00} that was from the rent relief program to pay my past due rent. I deposited the check via the atm and all seemed fine. The check was also actually paid out by chase and the check was legit. Atm said funds would be available on Friday XX/XX/XXXX which they were based on my online login. I head to a branch to try and withdraw from the atm and i get declined. Tried about 3 times with no luck. Therefore i went to the teller and ask i wanted to withdraw money. I was theh told my account was restricted and to call the XXXX number which i did after a long wait, i was basically told by chase my account will be getting closed based on them thinking there fraud being committed. They never even ask to verify any transactions or anything so what gives? I neees help in getting those funds to pay my renr.
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: Experian Information Solutions Inc. (AZ)

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX account numbers XXXX, XXXX has violated my rights. XXXX5 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 a account without written instructions. 15 USC 1681 c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following information ; Any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681 s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer relating agency if the person knows or has reasonable cause to believe that the information is accurate,
Consumer complaint received 2016-03-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (CA)

On XXXX XXXX, 2016 a final payment was authorized and paid on my XXXX account. The debt was settled and I authorized no other payment, letters are attached stating the arrangements. On XXXX XXXX, 2016 RPM illegally debited my checking account in the amount of {$470.00}, this account was paid in full per there settlement offer.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

I have reached out via certified mail and phone regarding issue of unauthorized inquiries on y credit report. I sent certified mail XX/XX/22, XX/XX/22, XX/XX/22 and a followup phone call XX/XX/22 which resulting in a hour long wait and then being hung up on. I informed them that I have noticed a number of hard inquiries that I did not authorize nor apply my signature to nor are attached to any account I possess and having these inquiries in error on my report is preventing me from obtaining new credit. and I need removed immediately. No response.
Consumer complaint received 2022-05-19
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)

In accordance with the Fair Credit Reporting act XXXX  Account ( experian ) XXXX XXXX XXXX XXXX - XXXX late payments wrongly reported XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX reported XXXX XXXX XXXX  XXXX remove whole account or update every late payment XXXX XXXX  XXXX XXXX and XXXX of XX/XX/XXXXlate payments wrongly reported XXXX XXXX  XXXX XXXX, XXXX of XX/XX/XXXXlate payment wrongly reported -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX  XXXX XXXX XXXX late payments wrongly reported XXXX XXXX  XXXX XXXX XXXX late payment wrongly reported XXXX XXXX  XXXX XXXX remove whole account XXXX XXXX XXXX XXXX XXXX XXXX remove whole account XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ( XXXX ) XXXX XXXX XXXX late payments wrongly reported XXXX XXXX XXXX XXXX late payment wrongly reported XXXX XXXX  XXXX remove whole account or update all late payments 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-12-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Apex Processing (MA)

I was scammed by a company by the name of 'Apex Processing Center '. They had called me towards the end of the day to immediately call them back while I was on my way home from a very long day work. They were very convincing since they already had most of my information, including my SSN, which I had never given.They had me agree to sign a XXXX XXXX XXXX XXXX ' to pay back my student loans, which would have lowered mine from {$27000.00} to {$13000.00}. They also claimed to have found 8 separate loans and merged them into one new loan from the XXXX XXXX XXXX. I would pay this back over the course of 240 months, being charged {$160.00} for the first XXXX months, then {$53.00} for the remainder after that, and would be charged on the XXXX of every month. They also said I would have to recertify every year. They had also charged my bank account an additional {$500.00} through a different entity that I had never agreed to.I had also gotten an email from XXXX to my work email address, which I had never given them. They had also changed the password for my XXXX account. Please help!!
Consumer complaint received 2019-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

XX/XX/2019 - XXXX XXXX closed account in my name. 
XX/XX/2019 - XXXX XXXX reported account was closed by consumer which is incorrect. 
XX/XX/2019 - XXXX XXXX reported a balance of {$510.00} XX/XX/2019 - XXXX XXXX reported a balance INCREASE of {$32.00} XX/XX/2019 - XXXX XXXX reported that the account was AGAIN closed by consumer XX/XX/2019 - XXXX XXXX reported that the account was delinquent. 

Letter dated XX/XX/2019 disputing the accuracy of the information reported to the three ( 3 ) credit reporting agencies ; namely the closing of the account and the continued assessment of interest payment and balance increase. The main point of disputing being that a close account can not accrue addition interest and balance increase. 
Series of email exchanges in connection to the disputed information. 

XX/XX/2019 - XXXX XXXX Reported that the account was canceled by Credit Grantor XX/XX/2019 - XXXX XXXX reported a balance increase of {$7.00} XX/XX/2019 XXXX XXXX reported the account as delinquent.
Consumer complaint received 2022-05-19
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: EQUIFAX, INC. (IL)

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 XXXXXXXX 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 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. 

Please remove these inquires from my credit report.
Consumer complaint received 2022-12-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optimum Outcomes, Inc. (WI)

Im a Vet Whose VA Hospital sent me to another civilian hospital because they couldnt handle the situation in house. Besides being billed for this, I was also billed for the Ambulance ride. The {$1200.00} XXXX mile ambulance charge was paid off but not the Hospital. This has always been covered in similar situations but this XXXX wont go away. My Credit is taking a dive for something that isnt even my responsibility. 
Ive called them numerous times but have been on hold for over an hour on more than XXXX occasion. Still notta.
Consumer complaint received 2021-04-20
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (VA)

On XXXX XX/XX/XXXX I received a letter from Synchrony Bank dated XXXX XX/XX/XXXX in the letter they stated their reason ( s ) for our decision " Activity on account ( s ) with Synchrony Bank indicative of high of failure to pay. '' My concern is this account was always paid on due date! For Synchrony originally to make the assumption based on my credit score or information on my credit reports decisions made to close my account can be premature? Especially when I have submitted disputes to include utilizing the Consumer Financial Protection Bureau. Taking these measures has removed negative information from my reports and is still ongoing. Additionally, my concern is that Synchrony XXXX XXXX since XXXX! has been reviewing my wife 's medical hardship debt management program settlement with her individual accounts that are exclusively her accounts but were settled by her attorney 's just recently. May be a coincidence? I have been a good customer on all of my accounts and feel to close my accounts based on credit reports that have numerous inaccuracies to include disputes should not be the only criteria to close accounts for example I have 40 years of XXXX XXXX an excellent employment history and 40 years of great credit history. There has been Life Events with my wife 's medical XXXX that has created some credit issues but are constantly under review and challenged through the credit bureaus dispute process which becomes a lengthy process to delete negative information from the reports.
Consumer complaint received 2020-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing today in regards to my account with XXXX XXXX Account # XXXX. I have reached out to XXXX in regards to a late pay XX/XX/XXXX. I got a response from XXXX Dated XXXX XXXX which says that my account will be be updated. Yet no updates have been completed based on my report dated XX/XX/XXXX it still remains on my credit report.
Consumer complaint received 2022-05-19
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. (NY)

In accordance with the Fair Credit Reporting act : XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
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 2022-05-19
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. (PA)

My name is XXXX XXXX. I am a victim of identity theft. On XX/XX/XXXX XXXX, I sent XXXX, XXXX, and Equifax an FTC report with my State ID.
Consumer complaint received 2022-05-19
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. (PA)

My name is XXXX XXXX. I am a victim of identity theft. On XX/XX/XXXX XXXX, I sent XXXX, Transunion, and XXXX an FTC report with my State ID.
Consumer complaint received 2022-10-12
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. (CA)

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

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

In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Consumer complaint received 2021-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

After a long investigation On XX/XX/XXXX, Bank of America Fraud department mailed me a letter stating that {$16000.00} was credited to my account ending on XXXX. The purchased was made by XXXX XXXX at XXXX and XXXX 's who was in cahoots with XXXX XXXX. Merchandise and hand written receipts are on XXXX XXXX name***Please see attachments. 

On XX/XX/XXXX, I was pending the credit for account ending on XXXX for {$16000.00}, with the same issue that happened with the purchased for the card ending in XXXX which was resolved and I received the credit. After I called I was transferred to the dispute department, which was not the correct department, because the dispute department was not handling the fraud purchases, after explaining the situation to the representative she said that she was taking away the credit for the {$16000.00} on credit card ending on XXXX, this credit was given to me by the Fraud department. I was very surprise that this representative did not know anything about the matter that was revolved by the fraud department, so I asked for the supervisor, I spoke to the supervisor which immediately said that they were giving me the credit back and closed the case. Few laters I learned that was not the case, she did not give me the credit. Since it was late, I called the Fraud department next day in the morning and told the fraud department representative what had happened the night before, and the representative said to call the dispute department and tell them to close anything they have opened regarding the fraud charges, he also said that since the credit was given to me already that he was going to honor that and close the cases and reopen a new case on credit card ending and XXXX for the {$16000.00}. The representative also said that the claim department and fraud department are not connected, one department does not know what the other is doing and they have this happen in regular basis. I waited few days and the credit was never given back to me for the {$16000.00} on card ending on XXXX, and also the representative never re-opened the case for the {$16000.00} for the card ending on XXXX. I am very frustrated with Bank of America and their employees, I have been dealing with this for XXXX month and something that should have been resolved long ago is a completely mess now. Bank of America representatives are so unprofessional and have not knowledge of their business, these people are put there to answer the phone without any proper training. Their representatives are misleading, altering and changing the information provided to avoid doing the work.
Consumer complaint received 2022-05-19
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: EQUIFAX, INC. (FL)

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

15 U.S.C 1681 Section A. Stated I have the right to my privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish and account without my written instructions.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST NATIONAL BANK OF OMAHA (TX)

I had previously arranged for automatic payments for my account, which were scheduled to occur in the middle of each month. Specifically, the payment for the month of XXXX was set for the XXXX. However, the payment made on XX/XX/XXXX was reversed on XX/XX/XXXX. I was unaware of the situation. 

I received no notification of this reversal, whether by email, phone call, text message, or postal mail. This lack of communication resulted in an unexpected late payment penalty, the first I have ever incurred. I have a consistent history of on-time payments, and until this incident, I maintained a credit score in the range of 760-780.

The impact of this incident on my credit score was significant. I have attempted to resolve this issue and sought a goodwill adjustment from FNBO, but my request was not granted. This is especially frustrating given my history of timely payments and the fact that the reversal of the auto-payment was not flagged to my attention by any means. 

I am seeking assistance to correct this matter and would appreciate a review of the circumstances leading to the late payment penalty and the subsequent effect on my credit score.
Consumer complaint received 2022-05-19
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. (PA)

There are Accounts and inquires on my credit report that do not belong to me. I need these items deleted from my file. The inquiries that do not belong to me are, XXXX, XXXX XXXX XXXX XXXX XXXX 2022, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and another XXXX XXXX XXXX The fraudulent accounts that I need deleted are XXXX  ( i looked this place up and i can not even fit anything in this store ), XXXX, XXXX and XXXX XXXX XXXX There are also multiple student loan account and all reporting late payments when I only have 1 student loan and I have never ever been late on any payments in my life. Also with the new laws and thing going on with the covid and hardships the student loans are not suppose to negatively affect credit reports. I have enclosed. I did not make these charges and I ask that these items be deleted as soon as possible to correct my credit report. I have already reported the theft of my identity to the Federal Trade Commission, and I have included copies of my Federal Trade Commission Identity Theft Affidavit. Please delete these items and correct my file as I am trying to purchase my house, I have been living in for the past 15 years The only thing stopping me is the inaccurate accounts and inquires listed on my credit report.
Consumer complaint received 2024-03-29
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (OK)

XX/XX/XXXX PURCHASE XXXX - Cleared - {$20.00} ) This payment occurred even after I canceled my card 2 days earlier XX/XX/XXXX PURCHASE XXXX XXXX XXXX XXXX XXXX / XXXX, XXXX XXXX Cleared - {$37.00} ) XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX / XXXX, XXXX - Cleared XXXX {$43.00} ) This prepaid card I dont see how they are still in business Even after canceling my card there has still been fraudulent charges to my account I have no idea who is Ive never given my card number out ever so Im just mind boggled how is someone using my card account there now have been 3 unknown charges on my card I have no idea how I canceled the card on the XX/XX/XXXX amd there still was another transaction on my card from a atm and the company Conduent Corporation in the United States and/or other countries. Conduent is the payment solutions provider for Go Program. that provides unemployment benefits for my state and they are just terrible theres been many complaints about how people have been screwed out of their money and they have it to where you cant get thru to no support specialist because I promptly had cancelled my card when I found out there were fraudulent charges so I tried to call into customer service and there is absolutely no way you can get to no customer service all it says is your card is scheduled to arrive in 5 business days then instantly hangs up
Consumer complaint received 2022-05-19
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: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act : 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 XXXXXXXX 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 2022-05-19
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. (NY)

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