davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. ()

I am a US citizen, living in XXXX for the last few years. I have a credit card account with Chase Manhattan bank since XXXX. I use it occasionally and pay it off by logging into my the online account. It helps maintain my credit score as I plan to move back to the US.

THE ISSUE : Three weeks ago ( mid XX/XX/XXXX ) I tried to log into my account on my laptop and I got a message saying that they do not recognize the device. It then said they would send a code to my phone number that I have on file for my account. I never received a code. Over the next week I tried again and had the same problem. In the past I have never been sent a code to log in, so I think this is a new security feature. My concern is that being locked out of my account means I cant pay it off, so interest charges will rise and it will ruin my credit. 

EFFORTS TO RESOLVE IT : I have made 3 unsuccessful attempts to get access to my account.

1 ). I called Chases online technical support number for those outside the US ( XXXX ) on XX/XX/XXXX. Customer service told me that because my number was an international number, the code was not going through. The system expects a US number. However, for customer service to verify who I was, they needed to send a code to my number on file, but again they could only send codes to US numbers. She said she could give me a code over the phone but still need to verify I was the account owner. For verification, I was then transferred to the to the credit card department. He said he could not verify me, and transferred me to the fraud department. With the fraud representative I answered the question on my mother maiden name, but before I had an opportunity to answer the next question, the phone line was cut off.

2 ). I called the same technical support number the following day ( XX/XX/XXXX ). The customer service representative put me on hold for 30 minutes before I could speak with a supervisor. He said I had two options, 1 ) we could call the branch where I opened the account and see if they could verify who I was and 2 ) I could set up a meeting with a chase representative online. He transferred me to the XXXX XXXX branch and the message said all operators were busy and call back at another time. Then I was cut off. 

3 ). I then went online and set up a meeting with a Chase banker for XXXX ( XXXX XXXX ) XX/XX/XXXX. I gave my email address and a phone number and was told that I would be meeting with XXXX XXXX. At XXXX I waited for the call, but never received one.
Consumer complaint received 2022-02-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (UT)

I have requested forgiveness under the Public Service Loan Forgiveness waiver. For six years I worked for the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). I provided my XXXX form that verifies my employment for those years and it has been denied as evidence of my work as a civilian. This is the official form the Department of Defense uses to document federal service. 

The Fed Loan Servicing said they require the PSLF form to be signed. The XXXX XXXX XXXX XXXXXXXX XXXX who should sign this verification does not have a way for former XXXX civilians to contact them ( your account is discontinued when you separate from civil service and there is no phone number or email to contact ). 

The human resources at the office I worked for provided a letter to verify employment but FedLoan Servicing will not accept that. They did say they would accept signature from my former direct supervisor but he is dead. 

The other thing they said they would accept is W2s, but I am missing my W2 for 2009 and the IRS will not provide a tax transcript for that long ago. 

In addition, the rejection of my application sited the wrong reason for rejection. If I had not called and asked, I would have provided the wrong information and not addressed the actual reason for the rejection of my application. 

In addition the FedLoan Servicing said they requested that my loans be transferred from my current loan servicer, XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX claims they have not received the request and claims they have no way to verify. So the two servicers are providing contradictory information and will not talk to each other.
Consumer complaint received 2022-02-04
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)

I have previously disputed with XXXX, XXXX and equifax on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2018-11-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC (MD)

On XX/XX/2018, I received an alert from XXXX XXXX saying that a collection was added to my report. When I looked on my report I saw National Recovery Agency. I never received a notice to dispute the debt, which I am suppose to receive one.
Consumer complaint received 2022-05-20
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. (SC)

Please see identity theft report. I have consistently disputer fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Consumer complaint received 2022-05-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (GA)

Asked this company for a debt validation letter and they completely denied me a letter I recorded the call, I also asked the amount that they have the first guy XXXX told me {$4600.00} Then XXXX told me {$4600.00} But they are reporting on my credit report the amount of {$4600.00}
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous information reporting on my Credit Report : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2022-02-04
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC. (DE)

New American Funding has called me 5 times in the last 2 days about refinancing my home. One the initial call at XXXXXXXX XXXX, yesterday XXXX. I advised the company that I was not interested in consolidating my mortgage at this time. The continued to call : XXXX XXXX XXXX, XXXX, XXXX and XXXX XXXX XXXX I was told on the XXXX XXXX call, my number was in a auto-dialer and would be removed. However, this is a new day and I am still receiving calls from them. I advised the last woman, that even if I would consider a refinance I would never go through there company because of this practice and that I would be reporting the offense.
Consumer complaint received 2022-02-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (PA)

I found out that my Chase banking account was locked when I tried to log in via mobile app around XXXX pm on XX/XX/2022. The message was saying " We locked your account due to unusual activity. Call us to unlock it ''. I immediately tried to log in my account on Chase.com website but got the same message. So I called the provided number XXXX right away. The first operator told me that he needs to direct me to another department. After the call was redirected, I was put online for 12 mins without answer. So I have to hung up and called in second time at XXXX pm. I talked to different operator this time. She told me she found a flag in my account. The flag said Chase identified a cyber security issue when I used my device and asked me the run anti-virus software and called them back to remove the flag. I was very confused as I use app installed on XXXX. I never heard that anti-virus software. I told her my confusion. She told me that she would have to transfer my call to another department. So my call was transferred to different place. Very frustrating, I had to hung up after 24 minuets waiting without response again. I then called the 3rd time. The similar story happened and even more frustrating. This time, my call was transferred to twice. My call was transferred to Fraud Prevention team after 30 mins waiting. But I heard the voice message saying " the department is currently closed ''. So it ended up nothing after more than 1.5 hours waiting and transferring back and forth. I called Chase again in the following day on XX/XX/2022. I started calling at XXXX pm. My call was transferred to Fraud department again. But after several back and forth, I didn't know where they transferred my call. But no one could help. I had to call again after 30 mins waiting. This time, the operator put me on hold for 1 hour 12 mins and never came back to me. As seen, I called Chase for two days and was put on hold without response for half day. I can't see my accounts and I don't know what happened to my account either. I lost the control of my own account. Until now, the problem wasn't really addressed after 48 hours since I identified the issue without notifying from Chase. Very frustrated as a loyal customer with Chase for more than 10 years. Now I am wondering if my confidence with the largest bank in U.S. is fading.
Consumer complaint received 2021-12-24
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)

I have disputed the incorrect information regarding the amount of {$27000.00} on the year of XXXX, {$1900.00} that reported in XXXX, {$3300.00} also on XXXX, {$2600.00} in XXXX, {$1600.00} in XXXX, {$1100.00} in XXXX, {$9900.00} in XXXX, {$4000.00} in XXXX, {$5200.00} in XXXX, {$9500.00} in XXXX. The three credit bureau 's have also failed to respond within 30 days of my disputes in the past.
Consumer complaint received 2020-07-10
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: PlusFour, Inc (IL)

Plus Four is fraudulently and knowingly sending false information to XXXX, I have called them numerous times and they acknowledge it is not me but say there is nothing they can do to correct there error because there is someone in a different state with a different date of birth different Social Security number who owes them money. I have pleaded with them to go after the person who owes them money and leave me alone but they refuse. 

Plus Four has also been dishonest and try to say that perhaps i have a relative with a similar name, this is not true.

This is one of three collection agencies who have this problem with my stolen information. The other 2 were very quick to realize there error and immediately correct it, write me a letter as well as do a bulls eye not to remove the false information from my record. You continue to refuse. Please please do the right thing and correct what you know is wrong and do a bullseye to remove it. Thank you in advance XXXX
Consumer complaint received 2022-05-20
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)

Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to Bureau for them to verify and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681iwithin the time declared by law and continued reporting of unconfirmedinformation which now, given all my attempts to address it directly with theBureau, as willful negligence and non-compliance with federal statutes. Pleaseremove the following accounts completely from my Credit 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
Consumer complaint received 2022-02-04
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: I.C. System, Inc. (GA)

Disputed filed via us mail on XX/XX/XXXX, disputed opened with XXXX  XXXX. Included in the dispute is a collection account with ICSystem. I also mailed a dispute with ICSystem onXXXX. ICSystem never validated account, and it was deleted by XXXX and XXXX, XXXX refuses to delete. They completed their investigation on XX/XX/XXXX, and continue to report inaccurate information on my report regarding iCSystem as well as other accounts including XXXX XXXX, which should not be listed on my credit report, & Enhanced Recovery, ( whom I've also contacted directly to dispute via US certified mail, and did not receive a response ).
Consumer complaint received 2022-02-04
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. (AL)

This is my next stop to get the corrections needed on my credit report. About 4 letters and 2 phone calls each have resulted in no corrections so far from XXXX, XXXX, and Equifax. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have been opened and used by someone either using my name or the bureaus randomly applied this to my credit file. There have been so many inaccuracies going on its is hard to tell if this is all a scam or what. What I do know is that I have to give permission for them to provide, list or report anything on my credit report. If no said permission is given then each company including the bureaus are in violation of the law per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.
Consumer complaint received 2020-07-09
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. (SC)

This is an account with XXXX XXXX XXXX. The last payment dates and also the closed dates doesnt match across the board for all three credit bureaus. The amount shown that I owe is also incorrect. This account is a part of a class action lawsuit. The attorney General office of SC is a part of the lawsuit. XXXX has agreed to remove the accounts off of the consumers credit report. Not only has the account not been removed it is also reporting inaccurately. I have previously reach out and the account was updated to accurate which is incorrect. According to all three credit bureaus I owe XXXX. According to XXXX I owe XXXX
Consumer complaint received 2023-03-28
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. (SC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. Iresearched how to remove the fraudulent items in my report and found that I need to visitFEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section605b Credit Reporting Agencies are required to remove/block any items listed on an idtheft report. Please find the ATTACHED documents to assist in blocking the erroneousinformation which is being posted to my report. Here is the list of items that do not belongto me or were opened without my permission. XXXX XXXX ; XXXX XXXX ; XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX Balance XXXX : {$0.00} ; XXXX  XXXX Balance Owed : {$150.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Owed : {$470.00} ; XXXX  XXXX Balance Owed : {$3500.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$570.00} ; XXXX XXXXXXXX Balance Owed : {$200.00} ; XXXX XXXXXXXX Balance Owed : {$680.00} ; XXXX XXXX ; XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX.
Consumer complaint received 2022-02-04
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 (MN)

I made a purchase for XXXX hockey tickets. The game was for XX/XX/21. The game was moved, other ticket companies have offered refunds and other options to compensate the issue. The company will not give me a refund, I have been asking Wells Fargo to dispute this transaction to work to get my refund. I am out {$1700.00}. It is a very large amount of money to continue taking this long to resolve my dispute.
Consumer complaint received 2022-02-04
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC (NY)

It is understood on XX/XX/2021, the Debt Collection Rule became effective clarifying how debt collectors can communicate with me, Attached National Recovery Agency XXXX dated XXXX XXXX XXXX received XXXX XXXX XXXX, intentionally ignored my 20+ communications to XXXX  XXXX that the ONLY/SOLE communication be to XXXX. National Recovery Agency clear intention was to violate Debt Collection Rule anticipating that its attached communication would be lost by USPS so that it could inflict harm on my credit score. Each of these 20+ communications stated : " ... please provide by return email to XXXX all evidence of validity of this debt; including but certainly not limited to, all copies of all billings to XXXX XXXX XXXX all insurance billings, all medical records of all alleged service ( s ), all insurance denials and the name and address of collectors you have used. ''
Consumer complaint received 2022-02-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CO)

The credit bureaus XXXX, and Equifax are in clear violation of the FCRA where it states that bureau 's can not report while a dispute is under investigation
Consumer complaint received 2022-02-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.
Consumer complaint received 2022-02-04
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. (FL)

I am coming to you to talk about an account listed under my name and social that I noticed is not mine. I have sent several letters to the company XXXX XXXX XXXX and credit reporting agencies. There seems to be a confusion on the accounts being association to me and I do not take responsibility for something that is not mine. I have mailed letters to Equifax, XXXX, and XXXX several different times. It is my understanding that per 15 USC 1692 ( g ) Validation of Debts that once the consumer states the account is not theirs it is to be removed. Also valid proof of the account ownership is to be given as well. A 3rd party company can not speak for a person or consumer so responding with a automated response is violating the law. I noticed some added addresses not associated with me that popped up on my credit report and a late payment that surely never happened on my XXXX account.
Consumer complaint received 2022-02-04
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. (UT)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2022-02-04
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. (FL)

I had my credit report pulled today. I realized its still fraudulent accounts on my report. Ive sent in multiple dispute letters and ftc reports. It seems I must make a report to XXXX Attorney General office and FCRA or someone. Maybe I may need to reach out to the news. Please see attached Notarized FTC report and Identification. 

Following Accounts XXXX XXXX {$1600.00} XXXX XXXX XXXXXXXX {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Department stores {$310.00} XXXX XXXX {$1000.00}