davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (PA)

I lease my car through GM Financial. Payments are made online. I made payment in XXXX and statement states next payment due on XX/XX/2018. I had a death in the family and I just look into my credit report and Have excellent credit. I seen that my rating when down. I looked into and GM Financial filed a report that I was 30 days late. I immediately paid a payment. The account says I don't owe a payment to XX/XX/2018. I called GM Financial and the women said she would not in my account that there was a clitch in system, I called the XXXX XXXX XXXX and they said to call GM Financial back and ask them to report it. I called back and after 25 minutes speaking to a reprensative, he transferred me to a supervisor and she stated that they can't back and report it. I told I would call the Federal Trade Commision. I have a copy of the online statement, showing the due date to back up the information I have listed here. I would be happy to email the back up. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2017-12-08
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. (MI)

tried calling all 3 bureaus and explain that my id was used fraudentley to open inquiries on my report and would not help remove them both company and credit bureaus refuse
Consumer complaint received 2016-02-24
Product: Credit card — 
Issue: Privacy — 
Company: JPMORGAN CHASE & CO. (TN)

Begining around XXXX, XXXX Chase Bank begin sending email notifications to my ex husband regarding my accounts. Now in all fairness, he was paying a credit card that was in my name but during the divorce he agreed to pay it. For nearly three years, this was never a problem then all of a sudden he got an email when I paid my mother 's credit card form her checking account. Now, their theory was my social security number was associated with my mother 's checking account and the credit card he was paying. However, his Chase profile was giving him the option of using my mother 's checking account to pay his bill. Finally in XXXX, XXXX, he paid the credit card off and removed his user id. We were then able to remove his email completely and for a few weeks everything seemed find. Now all of a sudden he is getting promotion emails from Chase documenting my credit card ending in XXXX. His name/id/social was never connected to this card. I feel Chase has been violating mine and my mother 's privacy and Chase will not give me an answer as to why this is continuing to happen or why after three years this became an issue.
Consumer complaint received 2015-10-23
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (FL)

In 2012 I re-financed my mortgage FROM Chase to XXXX XXXX. That ENDED my relationship with Chase, which was bad for me them having used a sub-prime interest rate when rates were XXXX and I paid for eight years with exceptional credit. I used the streamline FHA re-fi program and had to go elsewhere because Chase kept trying to find ways to jack up fees that were not allowed, or were unethical, and in some cases outright misleading. 
So, I did re-fi and thus Chase had no reason to keep private information on me. 
A few months ago I applied for an Amazon credit card and did receive it. I did NOT know they used Chase but nevertheless, I decided to keep the card. 
NOW I am trying to set up an ONLINE set up so I can pay ONLINE and access my credit card account -- charges, credits past statements etc. But I CAN NOT SET THIS UP BECAUSE MUCH to my dismay, Chase has kept private information from my mortgage and 1 ) it has the wrong old not used phone number and 2 ) an ancient email. So Chase needs to send a " code '' to either a text, email or phone to confirm your account. Despite them having my account number, and all NEW UPDATED phone numbers and emails, THEY HAVE ONLY THE OLD phone number and email and there is no way to change or update it. 
I called twice, spoke to XXXX people, and NOBODY I talked to was able to CLEAR OUT the old information. I told them I was very displeased they would have the nerve to keep my private information. Then, they ca n't seem to get rid of it. 
Then the second man transferred me to someone in the department which is supposed to be able to do this and THAT man said there is a " tool '' he uses but that " tool '' is n't available to him now to be able to clear out or update information. 
OH PLEASE. 
Chase also uses stupid, ancient things like, what is your mother 's maiden name -- identifiers I have LONG AGO LONG AGO stopped using because these are so common and too many people know my mother 's maiden name. 
This is overall a problem with these banks who think they can just keep all sorts of information on people despite nobody doing business with them. Ever since I re-financed and have a much much better mortgage company, I have not contacted Chase for anything. No reason to keep my private information.
Consumer complaint received 2019-05-15
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. (CA)

Equifax, I disputed this online, on your website and uploaded my ID at that time. I received an email a few days later saying that they wanted my ID and they wanted me to submit it by fax or mail. I truly don't understand why your system allowed me to submit it online and upload my ID at that time if you were going to in turn ask for the ID a different way. This is a CLEAR AND UNNECESSARY STALL TACTIC and my MY INTELLIGENCE IS INSULTED. I also received an email that my dispute was complete just for you to say the same frivolous rhetoric that you said previous in the 1st attempted stall tactic. I tried to send the documents again to no avail to the fax number provided by your company which failed every time. This is not rocket science and I will not let your company make me perform like a cat chasing his own tail. So, I have decided to file this complaint to get you guys at Equifax to do your simple job of updating my birth year to the correct year.
Consumer complaint received 2017-12-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

I sent Navient a goodwill letter regarding the late payments being reported on my credit files, also informing Navient I had XXXX XXXX around the time some of the late payments are being reported. In Navient 's response I was told retroactive deferment and forbearance processing resolved the delinquencies and past due statuses, but because the reporting I requested to be removed occurred prior to my requests they will not be able to remove the late payments from my credit report. Navient is in violation of Section 623 ( a ) ( 2 ) of the  FCRA by not removing and updating the late payment statuses. 

Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. In particular, this section requires a person that " has furnished to a consumer reporting agency information that the person determines is not complete or accurate '' to " promptly notify the consumer reporting agency of that determination '' and provide any information needed to make it complete and accurate. ( 1 ) Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. A furnisher that reports current information to a different CRA has done nothing to " correct and update information '' with CRA that possess the information that the furnisher has now determined is incomplete or erroneous. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. 

Section 607 ( b ) of the FCRA requires CRAs to " follow reasonable procedures to assure maximum possible accuracy of information '' in their consumer reports. It is our view that a CRA that refuses to accept updated and corrected information from a furnisher on student loan accounts, if it still maintains that information in its database, does not have in place " reasonable procedures '' to comply with this section with respect to such accounts. 

I respectively ask that the lates from XXXX 2016 be removed and set to current. As soon as I contacted Navient who did n't have my contact information to inform me my forbearance was ending my accounts became current. 

Also, Navient is continuously increasing and decreasing the balances on my accounts, deleting accounts and adding them back and this is adversely affecting my credit score. I am in the middle of financing and the frequent updates are detrimental to this process. Also, I am not sure how one can go from being current one month and the next month reflects 90-120 days late and then current again the following month.
Consumer complaint received 2018-12-04
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. (NV)

The collection first went delinquent XX/XX/2011, it's not past the 7 year reporting period. The collection is with XXXX XXXX and they verbally confirmed the original delinquency date over the phone but Equifax is reporting this incorrectly.
Consumer complaint received 2018-06-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (TX)

Chase Mortgage offered mortgage forbearance after our home flooded during Hurricane Harvey. They told us in XX/XX/XXXX that our forbearance would be extended until XX/XX/XXXX. We called back to confirm multiple times, and they confirmed multiple times. We planned our finances to be able to come current on our mortgage by XX/XX/XXXX. Then on XX/XX/XXXX, they called us to say that our forbearance would end XX/XX/XXXX. We asked about the XXXX date and they said it wasn't in their notes and that our relationship manager had changed so they have no record of what the prior relationship manager had told us. So we have less than 3 weeks ' notice to come up with over {$12000.00} or foreclosure protection and credit protection end, and they will not let us come current after that date because they limit the payments we can make after that date.
Consumer complaint received 2015-08-07
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (PA)

I have contacted Chase bank on an unauthorized withdraw from my bank card debit from XXXX XXXX on XXXX/XXXX/2015 for {$240.00} while it was still in-process. It went into full account a day later after telling Chase that it was not authorized. It has now been 9 days and still there is no credit to my account for this item. It clearly is in dispute. I need my funds to pay bills.
Consumer complaint received 2022-10-06
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. (TX)

The credit report showed credit inquiries that I did not authorize. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 



The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-01
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. (OH)

In accordance with the Fair Credit Reporting act XXXX account # 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 2018-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

In XX/XX/2018, I received a letter from Capital One indicating that my account was now sent to the " Recoveries Unit ''. I proceeded to call Capital One on XX/XX/2018 in hopes of reaching an agreement that would allow me to maintain a positive relationship with XXXX offered me a monthly payment of {$150.00} until the account was paid to a {$0.00} balance. I advised XXXX at that time, I could not agree to ANYTHING without having the terms sent to me in writing for my review. She then advised me that without a payment being made by XX/XX/2018, she could not guarantee that the account would not be placed for collections with a local attorney. However, she did agree to provide me with the terms of this proposed payment plan within 7-10 business days of the call. After not receiving the letter XXXX promised, I again contacted Capital One on XX/XX/2018. I was advised that XXXX was not available and that their records indicated that the letter was mailed. Again, I advised them that I did not receive the letter. I was then told that a copy of the letter would be mailed again. The representative advised that they could only hold the account in their office until XX/XX/2018 before the account would be placed in collections. I was then questioned about a completely different Capitol One account that I never opened. I informed the representative that the account that I spoke with XXXX with is the only account I had with Capital One. On XX/XX/2018, I called Capital One to inquire about the account that was mentioned on the previous call that I did not open. I was informed by this representative that they could not provide me with any information after my admission of not " owning or opening '' the account. As to date, I have not received a proposal for a payment plan to keep the account I spoke with XXXX as she and the second representative promised. On XX/XX/2018, I received an e-mail indicating a payment plan that I did not agree to with completely different terms than discussed.
Consumer complaint received 2017-12-08
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. (VA)

After multiple phone calls, letter and online disputes fraudulent inquires still are showing on my Credit Report and they need to be removed. See below for the items in reference.
XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX Inquiry fromXX/XX/XXXXXXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry fromXX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX  Inquiry fromXX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX XXXX Inquiry fromXX/XX/XXXX Transunion : XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry fromXX/XX/XXXX XXXX Inquiry fromXX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX
Consumer complaint received 2022-04-01
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. (OH)

In accordance with the Fair Credit Reporting act XXXX  account # 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 2017-12-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

I have multiple accounts on my credit report that are closed and have been sold. I know this because the debt have been in my debt collection or are still. I 've been trying to get the original debt removed so it does n't look like I have double the serious delinquency or derogatory indicator. The Credit bureaus keep coming back with the account verified account sold but refuse to remove them since they 've been sold. 
Accounts XXXX XXXX XXXX XXXX I also have accounts that were paid before being sent to collection and now sitting on my credit report and the credit bureau refuses to remove them keeps coming back with verified account paid before collection. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX  I also have multiple hard inquiries that were unauthorized and the credit bureau keeps coming back with they are factual and that I need to call the original creditor when have called the creditor is unaware of the hard inquiry and says there nothing they can do about something they have no knowledge of. 

Inquiries 1 ) XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXX XXXX 3 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4 XXXX XXXX XXXX XXXX XXXX XXXX 6 ) XXXX XXXX XXXX XXXX XXXX 7 XXXX XXXX XXXX XXXX XXXX XXXX 8 ) XXXX XXXX XXXX XXXX XXXX 9 ) XXXX XXXX XXXX XXXX XXXX 10 ) XXXX XXXX XXXX XXXX XXXX 11 ) XXXX XXXX XXXX 12 ) XXXX XXXX XXXX XXXX 13 ) XXXX XXXX XXXX XXXX 14 ) XXXX XXXX XXXX XXXX 15 ) XXXX XXXX XXXX XXXX 16 ) XXXX XXXX XXXX XXXX 17 ) XXXX XXXX XXXX XXXX XXXX XXXX 18 ) XXXX XXXX XXXX XXXX 19 ) XXXX XXXX XXXX XXXX 20 ) XXXX XXXX XXXX ) 21 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-08
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: AMERICAN EXPRESS COMPANY (IL)

American Express Blue Bird is holding money that I didnt authorize. The sum of XXXX. Im stranded with no way home. They did the same thing to me three weeks ago. They will not work me at all. The keep my money and wii not help.
Consumer complaint received 2023-02-07
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: EQUIFAX, INC. (CA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.