davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (TX)

XX/XX/2021 Transaction # XXXX I used Chase app and sent {$900.00} using XXXX to my attorney but I made an error on the last digit on the phone number and the money was sent to the incorrect person. I called Chase the same day after my attorney told me he did not get the XXXX transfer this is when I realized the mistake I made. I called Chase and filed a dispute XX/XX/2021 Claim # XXXX. My dispute was denied XX/XX/2021. 
XX/XX/2021 I called Chase spoke with dispute supervisor and told her the situation and denying my claim is not right this is not {$20.00} is {$900.00} which I need refunded and she said there's nothing she could do. 

Please help me recover my money.
Consumer complaint received 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Hallo, My name is XXXX XXXX and my credit score was greatly impacted cause of late payment. 

I want to state that I have always had a good credit and have never defaulted any payment, on as of XX/XX/XXXX my mortgage was transferred from Mortgage Solutions to XXXX XXXX but the only notification I received was on mail but unfortunately I was out of country until XX/XX/XXXX. 
I have proof of communication with my past mortgage company inquiring what was really going on cause theres auto pay amount taken from my bank. 

Thanks!
Consumer complaint received 2022-06-08
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: EQUIFAX, INC. (PA)

My identity is being fraudulently used by XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX is reporting a fraudulent account on my credit report. A FTC report was filed and is enclosed. XXXX XXXX XXXXXXXX account needs to be removed not my account. 
The account number is XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates (WI)

My name XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX ( Original Creditor : XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2022-06-08
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. (WI)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # 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 2021-10-10
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. (GA)

XXXX XXXX  XXXX XXXX GA {$130.00} ( this was removed from XXXX and XXXX ) XXXX XXXX {$480.00} ( this was removed from XXXX ) XXXX XXXX XXXX XXXX {$1900.00}
Consumer complaint received 2021-10-10
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. (AR)

I have issues with the way this is being reported as it is damaged my credit. The car was repo XXXX  and experian say its derogatory equifax says open. This is an inaccuracy and is en to remove this account from my credit. 
The dates of last activity are inconsistent with each other this is also enough to remove from my credit. Equifax is reporting past due 120 days the other 2 are reporting repo. This is enough to remove or delete from credit.balance on XXXX and equifax are the same while transunion is no showing XXXX. XXXX and equifax are reporting as auto loan and equifax is not reporting at all. XXXX has not reported any months of payments late or not and is not consistent with the others With all this said this needs to be removed
Consumer complaint received 2022-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

I took out a self-lending " loan '' with XXXX where the loan is funds that I pay to myself in an account. When the loan matures, I cash the loan out with a withdrawal. In the meantime, XXXX reports to the bureaus that I am making payments. I had the account set up on auto payment, which is a requirement of the company when you set the account up ( it must be linked to an account ) and they didn't take the payments out of the account. There were always funds in this account as this was the account that my direct deposits were going into and I was always employed and I had my withdrawals scheduled for when my direct deposits were put into the account. I followed up with XXXX but they don't have any customer service agents who speak English as their first language and the language barrier was difficult to break through. I kept trying to process the payments but they kept reporting the payments as past due when I kept explaining that there appeared to be an issue with their auto-payment system because the account had money in it and I had verified the numbers were accurate, even unlinked and re-linked the account. Instead, XXXX, single-handedly brought my score down more than 100 points when I had enlisted their services to boost my scores. I was obviously in good standing because they extended an offer for a credit card, which I accepted to try to rebound my score a bit. They continue to report the account as charged off when it is NOT charged off. It is in good standing as the attached screenshots show. In fact, when I finally had enough and closed the accounts, XXXX paid ME the money they owed me for self-lending. since this was me lending myself money by paying into a savings account for the soul purpose of trying to boost my credit score. I have tried disputing this but XXXX doesnt ever fix the propblem. Now, I am about to lose {$10000.00} in earnest money and the home I am under contract on and be without a home for my family to live in ( because I already sold my home on XX/XX/XXXX ) due to their derogatory marks. Their derogatory marks need to be removed as this is the only thing preventing me from closing on my home and they are being reported in error as the documentation that I am uploading clearly shows. 

Additionally, when I opted to close the account early, there were fees assessed that weren't itemized. I have NEVER been provided a statement or itemization explaining these fees. When I log in through the app and on the computer, there is ZERO transparency and no access to past statements showing balances, fees, payments, etc. There is no truth in lending or transparency and leaves a lot to the consumer to question and wonder about where their money is going. 

I have a very short period of time for this to be resolved before my EMD is forfeited to the seller of the home. I ask that this is resolved in a timely manner. Thank you.
Consumer complaint received 2021-10-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: VW Credit, Inc (TX)

I, XXXX XXXX am a natural person & a consumer. 

I obtained a vehicle from this company & they did not give me full disclosure as far as my right to rescind. In the contract it mentions something about rescission but not completely. I did not receive any rescission forms, and the rescission section was not clear and conspicuous. My rights were not explained to me at all. Its been 2 months since Ive obtained the vehicle & still no notice of rescission. I have written them a letter stating my right to rescind on XX/XX/2021. I received my green notice of receipt on XX/XX/2021 with no signature or date stamp. I received another one that they have hand written on XX/XX/2021 stating that they have received it on XX/XX/2021. They have also violated the finance charge law by taking my cash from a trade in and using it as down payment. Insurance was also not included in this transaction when the law clearly states that insurance is supposed to be included in the finance charge. They have let me know that theyve received the letters, but they ignore it and sent me another bill stating that Ill be in default and could possibly lose my vehicle if I dont make the payment. This has caused me a great amount of stress, I cant sleep through the night because I feel like theyre gon na come and take my car in the middle of the night. This is also a violation of the FDCPA. I fear that they are gon na try and take advantage of me and just ignore my rights like they did at the signing.
Consumer complaint received 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BSI Financial Holdings, Inc. (CO)

Hallo, My name is XXXX XXXX and my credit score was greatly impacted cause of late payment. 

I want to state that I have always had a good credit and have never defaulted any payment, on as of XX/XX/XXXX my mortgage was transferred from XXXX XXXX to BSI Financial but the only notification I received was on mail but unfortunately I was out of country until XX/XX/XXXX. 
I have proof of communication with my past mortgage company inquiring what was really going on cause theres auto pay amount taken from my bank. 

Thanks!
Consumer complaint received 2022-06-08
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. (CO)

Have held a XXXX XXXX card/account for some years. However, within the last month or two, there is an inquiry for a new account on my credit report. The inquiry is for a XXXX XXXX account, that I have NEVER applied for. I never received any notification that my credit would be ran for such new account. When I sent a customer inquiry asking both why I had a balance on this XXXX  account and why my credit report was pulled for this account when I never authorized it, I received a response telling me they could not send that information to me via email. In order to maintain a decent credit score, I made a payment in full on this XXXX account. But I NEVER applied for this account, I NEVER received a card for this account, I NEVER made a purchase on this account and I NEVER authorized them to pull my credit report.
Consumer complaint received 2020-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (NY)

The account in question in discussion is US Bank Account # XXXX the issue at hand is a late in XX/XX/2020, Back in XXXX I was sick with XXXX  I tried calling to defer the payment and could not reach anybody at US Bank. When I was well enough to work I did make the payment immediately.
Consumer complaint received 2022-06-08
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. (LA)

In accordance with the Fair Credit Reporting Act, the accounts listed below has violated my rights. 

XXXX Account # XXXX has violated my rights. 
XXXX  Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX  Account # XXXX has violated my rights. 
XXXX  Account # 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 an account without my written permission.
Consumer complaint received 2022-06-08
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. (MN)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2022-06-08
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. (NV)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, 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 2022-06-07
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. (FL)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # 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 2022-06-08
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. (LA)

In accordance with the Fair Credit Reporting Act XXXX  Accounts, # XXXX XXXX  XXXX XXXX XXXX, # XXXX XXXX/XXXX  XXXX, # XXXX XXXX  XXXX, # XXXX XXXX  XXXX/XXXX  XXXX, # XXXX PHEAA/XXXX  XXXX  XXXX, and # XXXX PHEAA/XXXX  XXXX XXXX has violated my rights. 

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 2021-09-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (NY)

While attempting to dispute an errant insurance billing issue, I was completely unable to contact TSI to advise them on the status of the debt. Using the phone number listed in their communication with us, I was put on hold for 3-5 minutes waiting for a representative. But was then told instead to leave a message. BUT was then told that their voicemail box is full. This is a debt collection agency ; their entire purpose is communication between parties. It is unethical for an entity to demand money, and then refuse to make themselves available to discuss. The debt is paid and Im requesting it to be deleted from all three credit reporting bureaus.
Consumer complaint received 2022-07-01
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. (MD)

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # 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 2021-09-22
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. (NY)

Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2021-09-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nathan & Nathan, P.C. (GA)

On XX/XX/20 a discussion was had with XXXX XXXX, a collections supervisor, at Nathan & Nathan advising that this debt was being disputed, I am not aware of why or how they are attempting to collect over $ XXXX, I have never entered into any contracts with them.
Consumer complaint received 2021-09-22
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. (OH)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Consumer complaint received 2022-06-08
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. (SC)

XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX  XXXX Account # XXXX, & XXXX Card Account # 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 an account without my written instructions
Consumer complaint received 2022-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/2021 a hard inquiry was pulled by JPMCB Auto finance, an unauthorized user. This is fraudulent, I've never authorized nor consent to have my credit checked for no loans, or new credit lines. This act has damaged my credit and countless hours of frustration to have this matter handled.
Consumer complaint received 2021-09-22
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)

I recently pulled my consumer report and noticed that there are some Inaccurate alleged accounts being furnished on my consumer report. Because of the error I am being penalized greatly in extremely high interest rates when being approved.
Consumer complaint received 2022-06-30
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. (NV)

This has been like the 5th time I have accounts and other info on my credit report from identity theft. I have submitted a police report to all three credit bureaus, froze my credit, and filed claims with them directly and not only is there still fraudulent Info still on there but someone has been able to get another account on my credit fraudulently even after I put the fraud alert on it. There is now an account from XXXX XXXX Finance that was open in XXXX of XXXX  and incorrect reporting of late payments on the mortgage I had with XXXX XXXX when they were not late but on forbearance. I am tired of these bureaus not doing the proper investigation to remove fraudulent accounts and errors and still allowing it to happen.
Consumer complaint received 2021-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCB Management Services Inc. (FL)

A detailed look at my credit report I found that the reported balances are inaccurately reporting {$22000.00} ( XXXX  ), {$22000.00} ( XXXX  ), {$14000.00} ( XXXX  ) when I reviewed the information presented reflects that The original balance was XXXX. The deficiency balance was reported as {$7300.00} but on the account statement it reflects that the balance is {$5200.00}. Clearly the reporting is inaccurate.
Consumer complaint received 2021-09-22
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: CITIBANK, N.A. (NJ)

Two accounts reporting on my credit do not belong to me. 
The accounts are from XXXX XXXX XXXX XXXX  with the ACCOUNT # : XXXX reporting on XXXX. The second one is from DSNB MACYS with account # : XXXX reporting on XXXX and XXXX.
Consumer complaint received 2022-11-29
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. (GA)

In accordance with the Fair Credit Reporting Act, this list of accounts below violates my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. With 15 U.S.C. 1681 Section 602 A saying I have the right to privacy. 

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 : # XXXXXXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX : # XXXX