davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (FL)

This is a follow up to a complaint I submitted on XXXX XXXX. I did send several followup E mails to you to inform you what has happened since theXXXX I asked for responses, but never got any, so Im not sure that you received my follow ups. I sent them to XXXX What I sent to XXXX I need to submit a follow up to a complaint that I originally submitted on XXXX XX/XX/2020. Your site wont let me log on or create a new acct. The page just comes up blank, yesterday and today. So Im emailing you now. Please forward this to the proper dept or reply and give me the email address ( not ph # please ). 

On XXXX XXXX I submitted a complaint to you against Chase credit card. Sometime after that I received a ph msg from chase telling me that they will look into it and get back to me. Then on the XXXX I received email from your office indicating " The company has responded that it is still working on your issue. '' Then yesterday the XXXX of XX/XX/2020 I got an email from chase stating " We confirmed your disputed transaction ( s ) are valid and will remain on your account. '' This is a form letter with no specific info concerning my dispute. Then later that same day I got another ph msg from chase indicating that they are still looking into it and will have a resolution within 5 days. 

Those two messages from chase contradict. 

chase has not requested any additional information from me on this dispute. 
-- -- -- -- -- -- -- -- -- -- -- XXXX XX/XX/2020 Additional note : It has been over 5 days since the XXXX and I have not heard back from chase ( as promised ). They did add the XXXX $ back onto my next card statement, but did not include it as a line item. The only way I know is that I added-up all the charges listed, and that comes to XXXX less then the amount they are billing me, due XXXX XXXX That is sneaky. I dont want to pay this, I dont owe this amount. They never even investigated it. Ive asked a few times for a copy of their investigation and I get nothing. Chase used to be much better at truly investigating billing errors. I think that changed after the merger. 

Please look into this. 

thank you, XXXX XXXX
Consumer complaint received 2020-11-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (MA)

Happy Sunday! How can you placed a {$480.00} collection on my credit report without my knowledge, consent, or anything. Plus I didn't receive & didn't know you could dispute the debt. I will pursue legal counsel or help if this is not removed soon. I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2023-01-31
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: EQUIFAX, INC. (GA)

XXXX was put on notice and provided an Affidavit of Truth, Identity Theft Affidavit, Loan Discharge : Forgery Application, and a police report regarding the alleged debt of XXXX XXXX XXXX as of XX/XX/2023. I have given XXXX with 5 days to delete this fraudulent loan from my consumer report and they have yet to follow up nor did they remove the fraudulent. Now ( XXXX ) has informed me that it will take XXXX weeks to remove an account that is not mine and has hindered my consumer file for years and I am not waiting XXXX weeks for a removal when this has gone on for YEARS! UNACCEPTABLE! 

I have provided XXXX with enough time to gather evident or any other documents necessary prior, this has caused defamation to my character and my consumer file. XXXX XXXX  will provide proof of received document via XXXX. As well as XXXX XXXX XXXX XXXXXXXX with XXXX confirmed on XX/XX/2023 at that they have received the documents uploaded into their system.
Consumer complaint received 2022-04-03
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: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX NORTH XXXX, FL XXXX XXXX EXPERIAN XXXX # XXXX WITH MY RIGHTS UNDER CONSUMER PROTECTION LAW AND FRAUD AFFIDAVATE FILLED OUT, I DEMAND THE FOLLOWING INQUIRIED BE DELETED, NO INVESTAGTION IS NEEDED AS NO ACCOUNTS WERE FOUND OPEN, JUST NEED ALL INQUIRIED LISED REMOVED. 

I did not authorize nor consent to the following inquiries being furnished on my consumer reports. 
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 2022-04-03
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. (CA)

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


15 U.S.C 1681 section 602 A. State i have the right to privacy.

15 U.S.C 1681 Section 604 A Sections 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-03
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)

FTC IDENTITY THEFT REPORT Attached Equifax is not repsonding to my letters! I sent them Letters in XXXX and they refuse to respond! 

I have a Fradulent Account on my Credit Report that must be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  EQUIFAX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

EQUIFAX - Fraudulent ACCOUNTS below XXXX XXXX XXXX XXXX ( ORIGINAL XXXX XXXX XXXX ) Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-07-13
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: Santander Consumer USA Holdings Inc. (PA)

The following company has a hard inquiry on my XXXX XXXX  and XXXX Credit Reports but was unauthorized. I have no knowledge of the inquiry that reported on XX/XX/2020. The company has been contacted but has not resolved the issue. Below is the company details : Santander Consumer USA XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2019-08-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP (FL)

Original creditor is US Bank. 
Current collection Agency is XXXX XXXX XXXX. 
Acct number is XXXX This has been going on for about 10 years. I owed US Bank a little over $ 1k. I settled that debt with the original Creditor 10 years ago for a fraction of the cost. However, every year US Bank uses a different creditor to collect a balance. I have submitted my payoff letter to each of those creditors to clear the debt off my report. I thought it was over, but I just received another letter today from XXXX XXXX XXXX in NY about the same account. This is definitely becoming frustrating. Please Help!
Consumer complaint received 2019-08-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HUNTINGTON NATIONAL BANK, THE (FL)

My dad passed and I contacted the Huntington bank about taking the loan over and they said yes we will transfer the loan to you. While I'm transferring it they decided to charge the loan off ..I 'm sending them money in the mean time not knowing. Finally I find out because of my credit score and the admitted that it was a mistake and just said opps! That's ALL??? I said. WOW
Consumer complaint received 2019-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (NV)

I have applied for a Chase credit card, I am already an authorized user on my son 's Chase card. My wife is also an authorized user and we are the primary users of the card giving Chase from $ XXXX- {$3000.00} worth of business per month. We would like our own XXXX card. i have contacted them and explained the situation of my bankruptcy but they refuse to approve a card. My bankruptcy is over seven years old. I currently have extremely good credit and by all standards should easily be approved for the card. The bankruptcy which is over seven years old is the only derogatory mark on my entire credit record and I have multiple credit accounts that have never had a problem since my bankruptcy. I have been on Social Security XXXX for many years and am a XXXX veteran. our combined income is currently about $ XXXX/yr. My bankruptcy was caused primarily due to medical reasons possibly related to my military service and my house in Nevada was under water at the time. To prevent the loss of my house it was necessary to declare bankruptcy. I was probably one of the first recipients of a government HAMP mortgage which ended up saving our home. I have never even missed a mortgage payment. Student loans were included in the bankruptcy and the federal bankruptcy judge after presenting my case over a year and a half of submitting proof of my XXXX ruled that I was considered Totally and Permanently XXXX under the XXXX and the student loans were discharged. I have also been ruled as XXXX by a NJ XXXX XXXX judge in court after being examined by their doctor and the US Department of Education. I consider that they are in violation of the Americans with XXXX XXXX by discriminating against a XXXX person who was forced to declare bankruptcy because of his XXXX. I am considering also filing a complaint with the Department of Justice for violation of the XXXX.
Consumer complaint received 2022-04-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

Columbia Debt Recovery made false statements in response to XXXX complaint. They responded CONSUMER CONFIRMED HE REVEICED OUR PROOF OF DEBT CONSISTING OF THEIR SODA AND LEASE, DISAGREEING WITH IT DOES NOT MEAN IT IS NOT OWED. CONSUMER INFO ALREADY PUT ON CEASE AND DESIST The company has falsely stated that proof of debt was supplied. The information they supplied does not provide proof of debt. I have asked for satisfactory proof of debt but they will not respond.
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

I am not getting any responses from the credit bureaus despite of several dispute I sent them for the past few months. These are the accounts I sent them for dispute : XXXX  XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX | XXXX  Account # : XXXX
Consumer complaint received 2020-09-05
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}.

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


-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-05-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Social Finance, Inc. (TX)

My debit card got stolen from my car and somebody went on a shopping spree after they hacked my PIN #. I called SoFi immediately after this and had my cards frozen / replaced. Even after multiple calls, a police report and evidence that I was not the person who made fraudulent purchases with my SoFi debit card, SoFi told me they think Im lying and refuse to reimburse me for the money I should be insured with under their banking name. 

Its obvious what happened, SoFi just doesnt want to give me my money that I worked hard to earn and had STOLEN fro me!
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

XXXX  has listed XXXX XXXX as a new account on my credit report and will not remove XXXX XXXX as a negative closed account, even as I have disputed the account and the matter is in litigation. The information being reported is negatively affect my credit history and score two fold. First as a new account and second as a closed account. I would appreciate if both XXXX XXXX accounts can be removed from my credit history.
Consumer complaint received 2019-08-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: PENTAGON FEDERAL CREDIT UNION (VA)

On XX/XX/XXXX, a wired funds, in the amount of {$860.00}, was initiated through Pentagon Federal Credit Union to the XXXX XXXX  XXXX XXXX for college tuition payment of my daughter 's housing while studying abroad. Initially, an incorrect swift code was entered but only the last digit. 

Sent : Swift Bank Code : XXXX Correct Code : XXXX Although one digit was missing, it appears that this did not affect the transaction. 

There have been numerous attempts to ascertain the whereabouts of these funds but a successful resolution has not occurred. The college, XXXX XXXX XXXX ( XXXX ),  states that they are unable to verify the wired transfer. Pentagon Federal Credit Union ( PENFED ) has not provided adequate assistance, and the XXXX XXXX  XXXX XXXX is non-responsive. I have asked PENDFED to retract my wire but believe that has not yet occurred for some reason. 

This appears to be a case of international wired transfer banking fraud as no one is able to determine the whereabouts of the funds. I have exhausted numerous emails between the college and PENFED. Today, I spoke with a supervisory operations personnel from, who was unprofessional and made statements that I should just contact the XXXX bank and that if he initiated a wire retract that I may not get my money back. And, If I spoke to any one above him that I would get the same answer. 

Truly, unprofessional supervisory customer service from a professional banker and I am at a loss for what to do next. 

All of this has cost a significant amount of time and wasted money. as I have had to re-schedule my daughter 's flight to XXXX. Until this is resolved, she us unable to attend school in the U.S. or abroad. XXXX will not let her obtain housing without payment, PENFED is not providing helpful assistance, and the XXXX XXXX XXXX XXXX is not responsive. 

My daughter is an exceptional student that recently made the Dean 's List and entering her third year of college. This has placed undue stress on our family and I am needing your unbiased assistance as I do not know what else to do. I am also in the process of drafting a formal complaint to PENFED Foundation 's Board of Directors. As a Veteran, I do not expect exceptional treatment/service but hearing the words you should just contact the XXXX bank  yourself, after waiting almost two weeks for that same institutions 's help, saddens me. 

Respectfully, XXXX XXXX
Consumer complaint received 2021-05-05
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. (NY)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed
Consumer complaint received 2019-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC. (PA)

I applied for an advanced checking account at HSBC US for  {$350.00} bonus on XX/XX/2019. After approval, they told me by email to set up a device for more security. I did that on my old phone. I bought a new phone on XX/XX/XXXX and tried to migrate from the old phone, but there is something wrong with the bank 's app ( I need to enter some number from the old device to the new device, but after I did that the app on the new device had no response ). I tried several times and on XX/XX/XXXX they told me to call them since they thought there was fraudulent behavior on my account. I did that, and they told me my phone number is not on their file so they can't identify my identity through text so I need to go to an HSBC branch ( asked them several times if there is any other approaches but none ). They sent me about 10 security codes while I was applying for the card, so I don't really know what they mean by my phone number is not on file. I live in XXXX and the closest HSBC bank is in Washington. I really regret my decision for opening an account at HSBXXXX for the {$350.00} ( I wired {$10000.00} to the banking account for the bonus ) and hope that they can give me the access of the account back.
Consumer complaint received 2022-11-17
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. (ME)

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$610.00} THE XXXX XXXX XXXX ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$480.00} XXXX XXXX XXXX ), XXXX ( Account Number : XXXX, Date Opened XX/XX/XXXX, Balance {$710.00} ), XXXX ( Account Number XXXX, High Balance {$340.00}, Date Opened XX/XX/XXXX ), XXXX XXXX ( Account Number XXXX, High Balance {$110.00}, Date Opened XX/XX/XXXX, XXXX XXXX ), XXXX XXXX XXXX ( Account Number XXXX, Highest Balance : {$99.00}, Open Date XX/XX/XXXX ), XXXX XXXX XXXX ( Account Number XXXX, Highest Balance : {$53.00}, Open Date XX/XX/XXXX ), Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (KY)

Pretty much I applied for a credit card I was approved but then Experian still did a hard pull twice once on XX/XX/22 and one on XX/XX/22 all Im saying is how I got a card but I also got a letter sayin I didnt get it? But I did get it? N now I have two hard inquiries on my report also they have address that I dont live at on there and all different variations of my name which I do not like at all!!