davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-20
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (NY)

On XXXX XXXX 2016, I visited Chase Bank to make a withdrawal of {$500.00} from my checking account, when I got into the bank, the ATM machine I used was reading out of service. I was elated when it became available for use as I was at the top of the line and the first customer to use it. I keyed in {$500.00} and requested large bills, I received XXXX 's. I again keyed in {$500.00} and requested large bills and again I received XXXX 's. I them proceeded to keyed in {$400.00} to which I received a receipt which indicated that my transaction was denied. 
I then checked my account and realized I was debited twice for {$500.00}, once for {$400.00} and also credited for {$400.00}. ( the {$400.00} transactions were subsequently washed ). I made a call to Chase Bank about the ATM transactions and to report and file a claim, I was told by the representative that I will be credited {$800.00} in XXXX hrs. I made a call on Saturday XXXX XXXX because the refund was not processed, I was told that it takes XXXX hrs however because it is a holiday weekend the proceeds with be posted to my account on the next business day which is Tuesday XXXX XXXX. On the XXXX of XXXX my account was credited for {$400.00} only. I made a call to Chase Bank about the other {$400.00} which should have also be credited and was told that the ATM is showing that the cash was dispensed and this is the final look, if want to take it further I can file a police report. After feeling so dejected and out of pocket as I had no money to finance my monthly expenses. I went to visit the branch to see if there was anything that can be done for me, I was told that just what I did is exactly the same procedure they must follow, as the branch do not service the ATM, it is done by their back office personnel. On XXXX XXXX the amount of {$400.00} previously credited to my account was reversed. I made a call on XXXX XXXX in regards to the reversal and was told that my claim has been closed however it will be reopened this time as per my request in order that their personnel can investigate, the investigation will take 3-5 days. I made a call XXXX XXXX to inquire as to the status of my claim and was told my claim has been closed there is nothing more that Chase Bank can do for me. Please note that I have been a customer of this Bank for 8 years and never encountered a problem such as this. Now that I have I am treated with scant respect. I need Chase Bank to return my money I am requesting a full refund of {$800.00} to my account. As a result of this error I was placed in an uncomfortable position of borrowing money from my friends in order to finance my monthly obligations.
Consumer complaint received 2022-10-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (TX)

I was a victim of identity theft in my information was used to open bank accounts for a mobile cell phone service and several checks were fraudulently wrote in my name when information was leaked the two of the agrees with XXXX XXXX XXXX icons a local police department
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

In accordance with the FCRA, XXXX XXXX  Acct XXXX, XXXX  XXXX, XXXX  XXXX  XXXX, XXXX  XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX  XXXX has violated my rights. 
15 USC 1681 section 602A states I have the right to privacy.

15 USC Section 604 A Section 2, also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-09-15
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-08-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (CA)

On XX/XX/2022 Midland Credit Management Inc filed a lawsuit against me in Superior Court. Until I was served the lawsuit documents I had no idea this debt collector existed as they did not properly notify me that the debt was owed. The Debt Collector violated 15 USC 1692g in the way they did not notify me of my rights or provide me with the initial notice of my right to dispute the debt. I did not receive any notice until after the lawsuit was served on me which did not contain any of the required information. That notice also did not contain any information regarding my rights as a consumer as set forth by the FDCPA in regulation F.
Consumer complaint received 2018-12-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Media Collections, Inc (NY)

Received a letter from Media Collections inc XXXX XXXX XXXX XXXX XXXX addressed with just my last name. And XXXX XXXX XXXX. They requested an online payment for some unspecified debt. I called the XXXX XXXX XXXX and they confirmed I do not owe them a debt, they have never submitted a debt to a collection agency, and do not use this collection agency. There is no record of a debt.
Consumer complaint received 2022-08-23
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: AMERICAN EXPRESS COMPANY (NY)

I appreciate your time to REMOVED some of the information in my file that resulted from alleged identity theft but I have an Account left that need to be removed or blocked. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to XXXX or any means of automated verification. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, AMEX XXXX Date Opened : XX/XX/2015 Balance : $ XXXXCharge-Off, AMEX XXXX Date Opened : XX/XX/2015 Balance : {$9800.00}, AMEX XXXX Date Opened : XX/XX/2015 Balance : {$42000.00}
Consumer complaint received 2022-09-15
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)

hello my name is XXXX XXXX ive recently checked my credit report & found some untheorized credit card accounts and collections & looks like someone has been running my credit because its showing hard inquires from car dealerships. 
which is hindedring me frfom getting approved for my home for my family please look into this matter asap and remove & delete these accounts from my credit report.
Consumer complaint received 2018-12-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NJ)

Hello, I was just on the phone with Navient, my student loan servicer trying to touch base regarding my qualifying payments for the Public Service Loan Forgiveness program since I am about halfway through my 10 years of qualifying payments. It turns out that when I set up the loan, the servicer provided me with wrongful information regarding the loan forgiveness program and set me up with a non-qualifying graduated payment plan despite talking about a possible income based plan. We discussed the loan forgiveness program and how I would qualify since I work in XXXX  XXXX, but they still put me on a non-qualifying plan. I found this out 53 payments later after trusting that I was set up properly. I called XXXX to see if they can back date my loan forgiveness so that I don't have to start my 10 years of qualifying payments over again, but they said it's not possible to change the payment plan going backwards. I am at a loss and can not believe I have to start over after 5 years of payments due to wrong information given to me by Navient. Attached you will find records of all of my 53 payments ( with my most recent payment pending ). They are all paid days before the due date. It does not indicate that these are not qualifying payments or that they are part of a graduated payment plan that is not eligible. They do not indicate that they do not count toward the PSLF. Based on guidance from my Navient servicer I was under the impression that I was making payments that were qualifying payments for the Public Service Loan Forgiveness program and that I was almost half way to my 120th and final payment.
Consumer complaint received 2022-07-29
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. (UT)

In accordance with the fair credit reporting act, the following Accounts have violated my rights : 1 ) XXXX XXXX Account # XXXX, amount {$520.00}, Date Opened XX/XX/2018 2 ) XXXX XXXX Account # XXXX, amount {$61.00}, Date Opened XX/XX/2018 15 U.S.C. 1681 Section 602 A States that 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 an account without my written instructions.
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (NY)

I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that I do not recognize or believe are inaccurate. The accounts in question are listed below : NAME OF ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX Please Investigate and Validate the accuracy of this account with the Original Creditor. 

NAME OF ACCOUNT : SYNCB/PPC ACCOUNT NUMBER : XXXX Please Investigate and Validate the accuracy of this account with the Original Creditor. 


If you can not verify that the accounts listed above are reporting 100 % accurate and without any errors. Immediately DELETE these accounts from my credit file.
Consumer complaint received 2022-07-29
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. (UT)

In accordance with the fair credit reporting act, the following Accounts have violated my rights : 1 ) XXXX XXXX Account # XXXX, amount {$520.00}, Date Opened XX/XX/2018 2 ) XXXX XXXX, Account # XXXX, amount {$61.00}, Date Opened XX/XX/2018 15 U.S.C. 1681 Section 602 A States that 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 an account without my written instructions.
Consumer complaint received 2018-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (FL)

I have been a loyal customer of Chase Bank U.S.A. by using their Chase Credit Card for over 15 years. I have never been late, I double my monthly payments and never missed a payment. They gave me a healthy credit line because of this and my credit report. 

I received an unexpected letter of increase of rate from 10.24 % to 15.24 %. I think this is very unreasonable for a loyal long term customer to face the same interest rate as a new customer, delinquent customer or poor credit customer.Besides why should their interest rate be so humongous and unfordable? it is designed to keep the poor people poorer. This is how they keep people poor. Chase was one of  those companies that got bailed out during the financial crisis and now they are back to doing the same nonsense. 

I called Chase on XX/XX/XXXX and spoke with XXXX a supervisor stating the above, but she said, that is what it will be as of XX/XX/XXXXand there are no exceptions. 

This is a problem for many consumers to use a credit card that is murderous to your pocket. I think this needs to be regulated. 
Can you assist me, to shed some light to Chase and have them consider reverting my interest rate as well as other consumers, so I ( We ) will be able to use the card. One representative advised me that you don't have to use it. Then what are you saying, you gave me a credit card to not use. 
Their letter also stated that if you do not agree you can close off your account. I DO NOT WANT TO CLOSE OFF MY ACCOUNT BECASUE I MAY NEED TO USE THE CARD IN CASE OF EMERGENCIES. 
CHASE SHOULD NOT DO THIS AND THE DEPARTMENT OF CONSUMER FINANCE NEED TO STEP IN.
Consumer complaint received 2018-12-17
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)

After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report had been filed. As require by FCRA any nformation reported as fraudulent should be removed from the consumer credit file.
Consumer complaint received 2022-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$28000.00} Late/Open Late Date XX/XX/XXXX
Consumer complaint received 2018-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (FL)

I have tried to get this handled multiple times through cfpb and wells fargo directly. The last complaint letter from Wells Fargo specifically stated to start a police report in any jurisdiction, which I have done. I emailed & faxed them the details on this, but have not yet heard back from them in regards to the fraud complaint / case. I will be re-attaching all of the details from my previous cases and appeals with Wells Fargo. This has been going on since XX/XX/2018. 

I will not re-detail all of the information on the case here, but it is all in the attachments. In summary : ( 1 ) I disputed the charges as fraud ( 2 ) I followed all the directions provided to me by the credit card company ( 3 ) I have opened the police report as required by the credit card company ( 4 ) I still have not received a satisfactory response / credit to my account to void out all of the fraud charges ( 5 ) This has been severely hurting my own credit at this time due to Wells Fargo 's negligence.
Consumer complaint received 2022-04-13
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. (HI)

On XX/XX/XXXX, I wrote to XXXX, XXXX, & equifax requesting an re-investigation into items that I believed were INACCURATE. To Date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 

Since this is my THIRD request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 
As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations for credit reporting agencies are regulated by the federal trade commission ( see 15 USC 41 et seq ). I am maintaining careful records of my communication with you on the matter for the purpose of filing a complaint with the FTC should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX, XXXX, XXXX, XXXX ). you will be liable for you willful non-compliance Pursuant to Sec. 809 ( b ) of the Fair Debt Collection Practices Act requires that, the consumer disputes the debt or requests identification of the original creditor in writing and that the collector must cease collection until he verifies the debt and mails a response. 
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 request to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these account 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 accounts listed below. 

I request the following accounts be verified or removed immediately :
Consumer complaint received 2022-08-23
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: Experian Information Solutions Inc. (CA)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the Experian credit bureau XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2022-08-23
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. (GA)

By the provisions of the Fair Credit Reporting Act, I am submitting thid CFPB complaint addressed to the Credit Bureaus to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected. I need the Following accounts updated and or corrected immediately : XXXX XXXX Balance : {$3400.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX Balance : {$9400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2018-12-17
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: EQUIFAX, INC. (FL)

Hello thank you for addressing this matter while reviewing my three credit reports I see a 40 difference between XXXX  and the other two. Turns out inquiries for a mortgage during a one month period by two banks are being counted individually by Equifax and XXXX.

So I signed up to have credit monitoring to correct hoping to correct the issue and was charged twice by Equifax yet they have not provided me the service. I have receipts of the online transactions via my bank.

Lastly my balances on Equifax and XXXX are not updated so they reflect a {$5000.00} higher than XXXX it seems the other two want to sell me services for credit cards and loans rather then reflect the true balance. 
Please help XXXX