davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2021 I came across an ad from Chase Bank offering a combined cash bonus of {$520.00}. The offer was a 3 step process and expired on XX/XX/2021 ( photos attached below ) : ( 1 ) Get {$220.00} for opening a Chase Total Checking and setting up direct deposit within 90 days, ( 2 ) Get {$200.00} after spending {$500.00} on purchases in the first 3 months from opening a Chase Freedom Unlimited Credit Card, and ( 3 ) Get an extra {$100.00} bonus for opening a Chase Total Checking and chase Freedome Unlimited credit card within the promotional time frame. Each product had it's own click to " open an account, '' which I followed accordingly. There was no mention of coupons or codes. 

Since then I have received {$220.00} into my Chase Total Checking onXXXX ( photos attached below ) as well as the {$200.00} bonus towards the Chase Freedom Unlimited in the form of points ( XXXX points for the equivalent of {$200.00} ). However, I am still waiting for the extra {$100.00} bonus. Since then I have made numerous attempts, through the Chase Online Banking secure message center and with customer service reps. via their customer service line with no avail. I have consistently been given the run around because I am unable to provide them a " coupon code, '' which the website never mentioned. I am forced to file a complaint to find a resolution for an issue that has been ongoing for over a month. All I am wanting to accomplish is getting my bonus or at least an understanding of when and where this bonus would be deposit/credited to. It seems like no one has a clue. 

I have included contacts via the Chase Online Banking secure message center below which contains a case number in the event this is helpful. Thank you for your assistance.
Consumer complaint received 2018-05-16
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: FEARON FINANCIAL LLC (TX)

The XXXX XXXX Add that i have attached below is a major violation of deceptive advertising, and in addition to this a violation of Fair Housing Laws. The add clearly states if you use Keller Mortgage it is more affordable. They can not make that claim, and the mortgage I was offering a client that was given this add was more affordable than the mortgage they were offering. Also XXXX XXXX clients are being forced to sign a piece of paper that more or less says they are aware that if they use Keller Mortgage for financing they would save money, but they are choosing not to. This is a violation on so many levels. In addition to this, they only offer this incentive to homebuyers of homes in excess of {$150000.00} which creates a fair housing violation, as they are not offering the same incentive to low & Moderate income buyers. It very well may also create disparate impact to minorities because a large portion of minorities in my area fall into the low to moderate income category and thus may not qualify for a home over {$150000.00} due to their income. the add I have attached is just one example of the XXXX XXXX and Keller Mortgages 's blatant disregard to mortgage laws relating to Deceptive Advertising, and Fair Housing violations. From their current business practices i.e. only offering their incentives to people that can afford a home over 150k and the documents they are having their clients sign which are corrosive at best,, to the blatant deceptive advertising. It is shocking, and the worst i have seen since the sub prime days. Companies have paid billions in files for far less than what Keller Mortgage, and XXXX XXXX are up to right now.
Consumer complaint received 2019-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX DOB : XX/XX/XXXX S S N :  XXXX XXXX XXXX Date : XX/XX/XXXX Dear, Re : XXXX XXXX XXXX   XXXX, US DEPARTMENT OF EDU XXXX This is a request for deletion of these disputed items. I have attempted to have this inaccurate and incomplete reporting verified by the furnisher of information to no avail. I am respectfully requesting that you do what is legally mandated by the FCRA and delete the account listing from my consumer file because it is unverifiable. 
You received a notice of dispute from me resulting in you advising me that the account had been verified. Knowing that the information could not in fact be verified, I proceeded to dispute the information and request verification directly from the furnisher of information, as the FCRA provides. After disputing with the furnisher, they have failed to provide any proof or respond in any way. In fact - after THREE letters to them they have STILL not responded which started over 90 days ago! 
The FCRA states that information reported must be accurate and complete, updated and verifiable. It also provides for a dispute mechanism that is initiated by the consumer through the consumer reporting agency and the furnisher of information. As detailed above, I have disputed the information for the referenced account, with both you and the furnisher of information directly. I have exhausted all recourse provided for resolution of erroneous information, but the information still remains on my consumer report. 
The FCRA provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance with its provisions. It is evident that the information reported can not be verified and therefore must be deleted as required. When a debt is disputed under either mechanism, a notation must be entered on the debtor 's report showing the item as being in dispute. Again, this was not done and is a further violation of the FCRA. 
Pursuant to the FCRA, if no proof of debt exists and the information reported is not verifiable, it may not be furnished to the consumer reporting agenices nor reported by them. The FCRA also states that consumer reporting agencies must accept written proof from the debtor. Therefore, I am not asking for an investigation to be done, I am requesting that the entry be deleted in its entirety as there is no proof of its existence and the information presently reported is not verifiable. 

Thank you for your time
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I have tried numerous of time trying to get XXXX, Experian and XXXX to remove incorrect Bankruptcy information off my credit report. I have contacted the US bankruptcy court and XXXX XXXX and both stated they do not provide public information. XXXX XXXX has removed the incorrect entry from my XXXX XXXX report. I am attaching all the notices sent to the credit reporting agencies. Each agency states that they verified the bankruptcy with XXXX XXXX but XXXX XXXX states that they cant verify the bankruptcy and removed it from there file. Can you please help with getting this remove from my report.
Consumer complaint received 2024-03-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

From what I understand, FCRA 605B dictates the exclusion of any inaccurate accounts from my credit report. Could you please take a look at the documents? There appear to be discrepancies in some of the listed accounts, and it's causing me distress.
Consumer complaint received 2023-03-29
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 item/accounts/information below : XXXX XXXXXXXX Balance : {$26000.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$760.00} This compliant is my follow-up to ensure that the listed accounts are validated
Consumer complaint received 2023-03-29
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. (GA)

The XXXX, XXXX and Equifax after I purchased a credit report with XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was an accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus last XX/XX/. I believe they have failed to authenticate these accounts. I included this in my last request and hoping that these accounts lates will be removed. 
XXXX XXXX XXXX Balance : {$12000.00}, XXXX XXXX XXXX Balance : {$4800.00}, XXXX XXXX XXXX Balance : {$3800.00}
Consumer complaint received 2022-10-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (PA)

I have a XXXX XXXX credit card account issued by XXXX XXXX Bank. I always pay my bill in full, And I went to make a XXXX dollar payment, well 3 day 's later it never showed up, so I did it again and it then showed I made the payment. When I did it the second time it never said I had a payment pending. Well anyway they hit my bank for a double payment. I have called them numerous times and get the run around saying it will be deposited, well it has been a week and no money. I feel that they are decieving the plublic, because when I made the first payment it should have said payment paid. But what get 's me is it never said that and 3 day 's later I made the payment again thinking it never went thru and did not want interest charges, I feel when I made the payment the second time, they should have said there is a payment pending for the said amount. They made my checking go into the negative and caused me harm and emotional distress. Well they could have made it better by saying we will put it back in right away. I am still waiting. XXXX XXXX
Consumer complaint received 2019-05-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (NY)

This is complain is regarding CITIBANK credit card provided by Best Buy. I made a purchase of about {$1100.00} which was fully paid by XX/XX/2019 although the offer was up to XX/XX/2019 b ut I made sure I pay the amount own time more than the minimum amount per month. It happened twice that company website was down and I was unable to make the payment and company charge me {$27.00} of late payment fee on my account. I requested them to remove those charge because it was fault on their side and they didn't and added that unto my total balance and I contacted them multiple times to remove that balance even though I fully paid my amount. They were rude and didn't help me resolve issues. I have 12 credit card account and my score has always been 750 plus and I have managed my accounts very well but this company is trying to ruing my credit and make false charges and made my balance up to {$280.00} and trying to constantly call me and threaten me to pay by debt. I called them multiple times to resolve this issue. they didn't respond and are not helpful. I request consumer finance to take a look into this matter and help me because this is going to hurt my credit and my score.
Consumer complaint received 2022-10-05
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. (FL)

Hello my name is XXXX XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-03-29
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)

My name is XXXX XXXX, this complaint is not made in error nor 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 account. 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. Please delete the account below from my report : XXXX FIN SVC XXXX Date Opened : XX/XX/ Balance : {$29000.00}
Consumer complaint received 2022-10-05
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. (TX)

I am not liable for this debt with XXXX XXXX  XXXX They have yet to provide me with the original application as requested. This is my third attempt to remove as this was not my account nor can the company provide proof. I demand that this " charge-off '' in the amount of {$300.00} be removed immediately. This has been ongoing since 2018.
Consumer complaint received 2022-10-05
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. (TX)

I am not liable for this debt with XXXX XXXX XXXX They have yet to provide me with the original application as requested. This is my third attempt to remove as this was not my account nor can the company provide proof. I demand that this " charge-off '' in the amount of {$300.00} be removed immediately. This has been ongoing since 2018.
Consumer complaint received 2022-10-05
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. (TX)

XXXX XXXX XXXX XXXX showing negative for both XXXX and Transunion. XXXX XXXX stated they sent the letter of deletion to all 3 companies. XXXX now shows " account paid as satisfactory ''. This was an auto loan from XXXX, I was originally advised it'd be removed in XXXX, however, XXXX  XXXX agreed to update so it wouldn't show as a negative. XXXX is the only one who made an update, not a removal though. I want this removed or updated so it's not a negative.
Consumer complaint received 2022-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (TX)

My name was on business cards for XXXX XXXX XXXX. My husband and I owned this business together. We separated last year and I have not had access to the business information since the end of last year. He bought the business in the divorce in XXXX. I have sent in and he has also sent in forms to switch the business cards into his name. I have faxed and mailed them several times within the 6 months. Chase has not transferred the ownership although they had everything they needed. My name is not even on the business anymore. He stopped paying the cards since they are in my name and it just went on my credit. This should have been resolved a long time ago and he would be paying them.
Consumer complaint received 2017-07-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC. (CA)

I have received a letter of collection from Caine and Weiner, XXXX. XXXX XXXX, XXXX XXXX, CA XXXX, on behalf of XXXX XXXX, pursuant to their account number XXXX, in the amount of {$190.00}. This apprarently pertains to a cruise that I took in XX/XX/XXXX, with the XXXX XXXX ship, reference XXXX. At the end of the cruise on XX/XX/XXXX, my XXXX credit card was charged some {$540.00}, which was the full amount owing for my trip. I was dissatisfied with various aspects of the cruise in question and requested a refund of {$50.00} of the money paid to XXXX XXXX in the sum of {$540.00}. XXXX denied a refund and I initiated a request to have XXXX adjudicate my request, which was done pursuant to Federal Law. XXXX determined that my request was correct and they refunded the amount in question to me. I assume that they removed that same amount from the accounts of XXXX, but I have no factual basis for that view. Nevertheless, I did not acquire a refund from XXXX and I paid their bill in full at the time they rendered it to me. Please note that at the time I paid XXXX for this cruise, I was a resident of California.
Consumer complaint received 2024-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, are not complete and accurate. 

I sent a letter asking them to make sure everything is complete and accurate and here is my tracking number They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate And according to nd according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

and according to 15 USC 1681s-2 they are suppose to 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 2022-10-05
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. (TX)

In accordance with the fair Credit Reporting act XXXX Accounts # XXXX, # XXXX, # XXXX and XXXX XXXX  have violated my rights. 

15 U.S.C 1681 section 602 A. States I have 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 2018-05-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I tried to modify my home loan with Bank of America. I filed all the paperwork required and was told I was denied a modification on XX/XX/2018. Other calls to the bank indicated the modification was with the investor and we were waiting for an answer. I can not get any straight answers from the bank. I am scared as my home has a sale date in less than 1 month. Bank of America has not been helpful at all. I keep getting the runaround.
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Exeter Finance, LLC. (GA)

The following hard inquiries are on my XXXX report & I have made multiple request to have these inquiries removed. The credit report agencies have not fully investigated properly and the inquires continue to hinder my ability to obtain a home loan. The following hard inquiries are not authorized and need to be removed : Exeter Finance - XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX Case XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BMW Financial Services NA, LLC (FL)

On XX/XX/XXXX I came into a BMW Dealer and leased a vehicle for which I gave consent to have my credit pulled. However, based on my XXXX credit report it appears to be that I have a total of 3 hard inquires that originated from the same place when there should only be one, Here are how they are listed as follows ( The only valid inquiry would have been from BMW FINANCIAL SERVICES on XX/XX/XXXX which is who a leased my vehicle through and also the date I made the request ) : Inquirer Name : XXXX BMW XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX Business Type : Automobile Dealers, Used Contact Information : XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Inquirer Name : BMW FINANCIAL SERVICES Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX Business Type : Auto Financing Companies Contact Information : XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Inquirer Name : BMW FINANCIAL SERVICES Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX Business Type : Auto Financing Companies Contact Information : XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX