davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OR)

I sold my watch to a company XXXX XXXX XXXX, they sent me a check for {$3200.00} on XX/XX/2023, I deposited the check in my account electronically via my phone app with CHASE Bank , couple of days later I try to use my card and it gets declined. I call the bank and they said the check was flagged as potential fraud and consequently they restricted my account and may close it and they need the issuer to call them to tell them the check is legit. I provided them with several numbers after contacting the company, CHASE kept repeating that none of these numbers are verified. Their next suggestion was for the company to recall the check, the company refused to do so, their reason is We can not void the check anymore because your bank CHASE cashed and scanned it. So we cant void at this point. Chase kept toying with me for a week repeating the same thing, claiming procedures and not trying to help or look for an alternative, consequently, I am late on my bills, my credit score has been damaged due to Chase actions.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for XXXX XXXX to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

XXXX XXXX - XXXX Last 4 digit of SSN : XXXX
Consumer complaint received 2022-07-08
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. (FL)

Hi, I summited a complaint to your office XX/XX/2021 complaint # XXXX To this date, my actual credit report with Transunion in reference to XXXX XXXX  XXXX XXXX XXXX continues to show a bad payment history. XXXXXXXX XXXX says they fixed the problem 7 months ago. But this is not true, as my XXXX Credit Report with a negative and orverdue payment history. My Transunion dispute # XXXX. Please Help. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Thank you.
Consumer complaint received 2022-03-09
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. (VA)

I reached out to the Credit Bureaus about the XXXX XXXX XXXX accounts on my report on XX/XX/2022. I sent a photo copy of the receipt that shows that the balance was paid in all accounts totaling {$780.00}. The receipt also shows the account number provided by XXXX XXXX XXXX. They told me that it takes about 30 days for their system to update. I called XXXX and transunion on XX/XX/XXXX as the accounts were still being reported as verified and accurate I submitted another dispute with all bureaus only to still be told that its being reported as accurate. I also have a confirmation number that I submitted on both dates. Im addition I submitted the payments listed by the original creditor that shows that a collection agency payment was received and the balance is now {$0.00}. Ive contacted XXXX XXXX XXXX directly on XXXX XXXX and spoke XXXX who told me that they have reported these collection items as paid. I am unable to obtain any credit or new credit due to this false reporting.I received notification on my last dispute on today XX/XX/2022 that the debt and amount being reported has been verified as accurate and correct
Consumer complaint received 2023-01-04
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

As I was closing my accounts for the year, I discovered funds missing from my Bank of America EDD account due to unauthorized transactions and transfers, so I filed XXXX claims on XX/XX/XXXX totaling appx {$5000.00} which is a significant amount of money to lose especially given I'm about to have a baby. It is now XX/XX/XXXX and Bank of America EDD Prepaid cardholder department refuses to abide by their prepaid cardholder agreement. No funds have been restored to my account nor has there been a decision made on whether or not they are to do so. I'm beginning to consider this a discrimination suit.
Consumer complaint received 2022-02-06
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: Experian Information Solutions Inc. (SC)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.
Consumer complaint received 2019-01-09
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)

In XX/XX/XXXX I submitted a detailed dispute towards my personal information be stolen through a security breach, there are accounts on my credit that I never authorized and they are fraudulent. the credit reporting agency never contacted me in regards to any updates despite the fact of receiving certified mail.
Consumer complaint received 2020-07-31
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. (AR)

My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Consumer complaint received 2020-07-31
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. (AR)

My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Consumer complaint received 2018-05-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

i contacted chase regarding unauthorized purchases on my account the explanation given was that because i had my card in my position there fore they couldn't refund the unauthorized purchase. it was explained to them that i don't know who the vendor is and i haven't purchased or authorized any transaction. 

vendor : XXXX # XXXX transaction date : XX/XX/2017 amount : XXXX claim date XX/XX/2017
Consumer complaint received 2020-12-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I do not recognize this account and have never had a debt with this creditor. I do not know where they came from. Maybe you are mixing up this account with someone that has a similar name as me. Also, I have no idea of any of these inquiries. Please investigate incorrect information.
Consumer complaint received 2018-05-23
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. (MN)

In relation to CFPB complaint ID : XXXX. This agency incorrectly conducted their investigation into my initial dispute and therefore did not address a violation of the FCRA and FDCPA. My initial dispute was the DATE OF FIRST DELINQUENCY the agency investigated the DATE OF LAST ACTIVITY. These are NOT the same thing. I have provided documented proof that the DATE OF FIRST DELINQUENCY was changed by XXXX XXXX. Under law this date should NEVER change. COMPANY RESPONSE : " This creditor/agency has verified to OUR company that the date of last activity is being reported correctly. '' INITIAL COMPLAINT : " re-aged account. date of delinquency changed on consumer reports ''
Consumer complaint received 2017-12-23
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. (FL)

I visited XXXX XXXX XXXX & got a loan through XXXX for a vehicle in XXXX. In XXXX XXXX I totaled the vehicle & my insurance company paid out XXXX. This is currently showing on my credit as being reported late with a XXXX balance.
Consumer complaint received 2022-03-09
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. (MI)

I have been reaching out to TransUnion, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from TransUnion and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$340.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX Balance : {$160.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX
Consumer complaint received 2018-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AZ)

I have had nothing but issues with Equifax since I requested a free copy of my credit file. I have been unable to dispute anything online with them, I am told my information doesnt match, which is impossible as XXXX accepts the same information without issue. I was successful sending one dispute online and received an email saying it was ready to be viewed, except Equifax will not allow me access to view the results. Email says I have 30 days to view it, upon trying to do so, I receive a notification saying my information does not match what they had on file. In addition, I removed the credit freeze on this account and yet IT'S STILL THERE.
Consumer complaint received 2018-08-10
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc. (DE)

I had a car loan with XXXX. The car was repossessed and subsequently re-sold to another individual. XXXX applied NONE of the funds from the resale to my balance and is now attempting to collect the full balance from me and apparently a balance on the same vehicle from someone else. 

I have been told that this company does this to virtually everyone..often selling the same car 5 or 6 times and then collecting full balances on each of them so that, in effect, they can collect {$40000.00} in balances on ONE $ XXXX vehicle. This is not only unethical, it is ILLEGAL and the CFPB needs to turn this into a national class action lawsuit. 

They have also now placed this debt with NCB Management which means they are also breaking federal law XXXX Account XXXX NCB Account ( same )
Consumer complaint received 2022-02-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (MI)

I have an established XXXX  I buy sell and trade electronics sports cards game consoles I have business account and credit card with chase over the course of the week I have order a chase XXXX  XXXX  card reader that I got last Friday I used it for the first time Saturday expecting payment be in my account Sunday midnight after Tuesday I contacted merchant services who told me the payment is under review and would not tell me why then receive email to sum not documents showing products ein and other information sent it immediately then get email saying my account close to high risk and I can submit a reconsideration which I did and they upheld they decision and for no reason sent my payment back to consumer so now i dont have the items gym shoes and dont have the funds for my products and they XXXX party company who handles quick accept telling me to contact the buyer to recover funds or money which there is no way for me to do so and from. What I seen on XXXX Im not the only they been doing this to i was told the money be held for 30 days then all sudden its being sent back
Consumer complaint received 2020-07-31
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. (AL)

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX {$19000.00}
Consumer complaint received 2018-08-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio recovery is trying to collect a debt from me from services that never happened. 
The XXXX office was wrong in that they charged me for a partial denture that I refused to purchase and never picked up, why is this dentist charging me for something that was never done? Also, I paid out of pocket for part of my services ( I will attach that receipt ) Portfolio recovery never sent me anything or else I would have questioned charges a long time ago, the only reason I found this out was when I ran my credit score a couple of months ago. Ive attached everything I have. I filed a claim with the XXXX XXXX XXXX, but the collection company does not respond.
Consumer complaint received 2020-07-31
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. (AL)

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX {$19000.00}
Consumer complaint received 2020-07-31
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. (CA)

I WAS A VICTIM OF IDENTITY THEFT LAST YEAR AND THERE IS AN XXXX XXXX XXXX   ACCOUNT-XXXX THAT KEEPS GETTING SOLD TO DIFFERENT COLLECTION AGENCIES. THIS A VERY FRUSTRATING BECAUSE THE ACCOUNT IS NOT MINE AND WAS BECAUSE OF FRAUD BUT IT KEEPS BEING PASSED AROUND. I THOUGHT IT WAS AGAINST THE LAW FOR DEBT COLLECTORS TO  SELL DEBT ONCE ITS BEEN VERIFIED AS IDENTITY THEFT?
Consumer complaint received 2019-04-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK (OH)

I made a payment of {$25000.00} on XX/XX/XXXX. I received notices that three of the loans were paid off in full as of XX/XX/XXXX as I delegated the funds. XXXX now has reversed my payments in their system but still have my funds. There are not resolving the issue despite having taken {$25000.00} out of my bank. I am so frustrated with the illegal activity and am requesting an investigation. I will also be hiring an attorney to aid in the process.
Consumer complaint received 2019-04-27
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. (NM)

I have had some disputes and noticed that they are no longer doing anything with them I have a credit repair company and they have disputed at least five things and now I look at the dispute center and nothing has been done. I have also noticed that they have place two accounts that were closed years ago and have put them to where they are being reported this year and they have already been charged off five years ago. I received a letter from the courts saying these accounts have been resolved. I think this is possibly XXXX.
Consumer complaint received 2022-02-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (CA)

I continued to receive collections letter due to a XXXX XXXX XXXX computer error. The claim was due to a computer error on the part of XXXX XXXX XXXX or possibly fraud ( I dont know ). About 3 years ago, I spoke to an XXXX XXXX XXXX consultant and I was told that this was resolved and indeed it was a computer error that occurred ( I switched carrier from XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX continued to charge me after the switch ). I received collections letters ( numerous letters ). I am shocked to receive yet another collections letter re the same XXXX XXXX XXXX. Each time I call XXXX XXXX XXXX  it's a time wasting exercise of talking to a ROBO voice person and spending no less than XXXX minutes to speak to a live person and then after that, XXXX to XXXX minutes to find me and the account. I have done this enough times to be extremely frustrated. I experience long wait time, cumbersome questions, often re-telling the story in entirety and speaking with someone who is not able to correct the problem. I am at my wits end. I don't know how to end the harassment letters from collections agencies. Out of principle, I don't want to pay for something which I don't owe. I ended yet another call with an XXXX XXXX XXXX representative who was dropped my call as he was trying to forward me to another department.
Consumer complaint received 2019-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (MT)

My wife and I were in business partnership that went sour do to another partner misusing funds we blocked them from using account last year. They were able to go to account even though they were blocked and took {$3900.00}. I was advised by Wells Fargo there was nothing they could do about it and I needed to close account and open new account with only my wife 's and my name only on the account and this problem would never occur again. We did that last year. Yesterday on XX/XX/2019. I saw the account which had {$3100.00} was empty. I found out that Wells Fargo authorized XXXX XXXX to put her name on the account without authorization from us and steal the money. They justified by saying she was a business partner on business that was closed and no longer in operation even though original business account had been closed. We want our money back as she was allowed to steal from us without as much as a phone call to us. We also want an explanation as to how they can act as lawyers on her behalf and not protect the account holder. I want Wells Fargo to proceed with fraud charges against her and she be put in jail.
Consumer complaint received 2018-05-23
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. (NY)

I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX and XXXX data breach. State issued ID have been compromised and my social security has been compromised. 
I am not responsible for any charges made to these mentioned accounts.