davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (FL)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states that " Holding consumer reporting agencies accountable for their responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies and JPMorgan Chase & Co is the furnisher financial institution and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' JPMorgan Chase & Co is a financial institution by definition under title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' JPMorgan Chase & Co the financial institution and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and XXXX, JPMorgan Chase & Co whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' JPMorgan Chase & Co NEVER informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.

JPMorgan Chase & Co, XXXX, XXXX, and XXXX are not maintaining reasonable procedures. I want my consumer report updated to paid as agreed immediately.
Consumer complaint received 2017-01-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc. (SC)

My old landlord is trying to come after me over a debt I do n't owe they sent me papers with my exs name on them and he was listed as a tenet I no longer have them papers but did take pics of them and of the parts that show only his name listed as a tenet and the letter being addressed to him when this debt occurred I was no longer living in the apartment and they told me I was takin off the lease I want this debt removed from my report because I do not owe it and have prof I was living else where when the debt occurred I told them that but no one ever got back to me on it.
Consumer complaint received 2018-05-31
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. (TX)

All accounts with XXXX should be deleted. I have attached the XXXX  forms fro all my XXXX accounts.

By law accounts given XXXX  can not be reported on a credit report negatively.

Account NameXXXX XXXX XXXX Account NumberXXXX Account TypeCredit Card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid, Closed. {$10000.00} written off.

Status Updated XX/XX/XXXX Account NameXXXX XXXX XXXX Account NumberXXXX   Account TypeCredit card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid, Closed. {$7600.00} written off.

Status Updated XX/XX/XXXX Account NameXXXX XXXX XXXX XXXX Account NumberXXXX  Account TypeSecured Loan ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid, Closed. {$3500.00} written off.

Status UpdatedXX/XX/XXXX Account NameXXXX XXXX XXXX XXXX Account NumberXXXX Account TypeAuto Loan ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid, Closed. {$26000.00} written off.

Status Updated 1XX/XX/XXXX Account NameXXXX XXXX XXXX XXXX Account NumberXXXX Account TypeSecured Loan ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid, Closed. {$4900.00} written off.

Status Updated XX/XX/XXXX
Consumer complaint received 2022-08-05
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. (IL)

Equifax have ASSUMED a vital role pursuant to 15 usc 1681 ( 3 ) of my consumer reports and has been violating my privacy without my consent pursuant to 15 usc 1681 ( 4 ) & 15 usc 1681b ( a ) ( 2 ).
Consumer complaint received 2020-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.
Consumer complaint received 2024-02-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX my XXXX daughter went to Chase Bank located on XXXX XXXX XXXXXXXX around XXXXXXXX XXXX  XXXX She was scammed by a guy threatening her he put a {$1000.00} check in her account, I filled a police report on XX/XX/XXXX went to Chase on XX/XX/XXXX filed a report on XX/XX/XXXX We received a call from a Chase employee named XXXX, stating that we got a refund when I check the account the {$540.00} was in the account and she said now the case is closed, a week later we received a letter stating that a refund was disbursed no action will take place. On XX/XX/XXXX we deposited {$190.00} but on XX/XX/XXXX XXXX I noticed the account was negative, the bank deducted {$730.00} and the account with negative. I went to the bank I was told that was a temporary refund which was not said in the letter nor from the lady. after my complaint now they hired security for the ATM section. The police knew about the problem my daughter was not the only victim not nothing was done prior otherwise my child would have not been a victim She is XXXX, I took her to XXXX  after the incident for about a month she was so scared of being outside by herself.
Consumer complaint received 2017-01-20
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC. (CA)

Where do i start. I called ally spoke to XXXX people before actually speaking to a rude supervisor- After asking XXXX XXXX is her employee number she claimed to be a supervisor- When i asked her why her employees put me on a hold for more than 15 mins after advising me they will be back in 1 minute. They are already violating. I will be placing a compliant to the cfpb for poor collection practices. I was on the phone for over 1 hour. One person in the company is saying i am past due on my account. They transfer me to collections i wait another 10 mins i speak with the collections representative she says she ca n't help me my account is 40 days ahead.. CAN SOMEONE GIVE ME AN ANSwer.. I ask to speak with a manager and i tell her what is going on she DIDNT SEEM TO CARE- Her response was Just YEA i asked her what do you mean yea.. NO ONE HELPED ME can some investigate this companies policy on customer service and they way they place people on hold- They had 1 working supervisor for the whole company she said and she was the only one taking calls. How can 1 supervisor run a call center.. They reported my credit late. I want this removed..
Consumer complaint received 2017-01-17
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was refused a copy of my free annual credit report from Trans Union. 

I was refused a refinance on my home from XXXX and XXXX XXXX XXXX. 

I need free copy of my credit report so I can find out why I was refused a mortgage loan.
Consumer complaint received 2024-02-27
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (SC)

On XX/XX/XXXX I intended to purchase appliances at Best Buy after all appliance 's were purchased they could not be delivered until XX/XX/XXXX we could not so Best Buy Associate in store assured me all transactions were deleted. In XX/XX/XXXX I received a bill stating payment was past due I to dispute charges I didnt make and copy of charge and didnt receive any copies was told they would investigate I did not have to pay until completion. I didnt receive answer and continued being billed and reported to Credit Bureau XXXX On XX/XX/XXXX finally was told Best Buy Associate didnt remove and I am responsible to pay for their mistake. Best Buy allegedly is charging for what they are calling a Membership and a Gift Card I didnt purchase.
Consumer complaint received 2024-01-15
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FORD MOTOR CREDIT CO. (ME)

Ford motor credit took me to court and I felt strong armed to concede to the judgment for a bill I do not owe. In any case the document was signed, and a judgment was made even tho the company violated my rights as a consumer which they have ignored and havent taken any responsibility for. Ive disputed the collection through the proper channels ever since it started. I wrote a letter and I didnt hear anything from Ford . They did not send me a single collection notice nor a single collection letter cause I would have disputed it add wrote letters back everytime. Then out of the blue a sheriff shows up at my door handing me a legal documents for a court date. I immediately disputed this vehemently because this matter should have been settled the minute they took possession of the truck as per our agreement. I thought everything was fine even after I called them back a month and half after they took possession and the women I talked to agreed and I stated so Ford owes me money.. she eluded that may be the fact from what she saw.. but I didnt want any money back from Ford. They took the truck and that was supposed to clear up my balance/ Now I want my truck back. If I knew in any second that I would lose the truck and be billed a penny I wouldnt have done it. I didnt have to. 

Now they moved the debt to a collector in NY. I dont live in NY the entire case was handled In Maine and under Maine law. Not NY. 

I recently called Ford cause they dont know how to pick up the phone or do things professionally or right with courtesy to me as a consumer! They told me about this debt collector in NY who has sent me nothing. No calls no nothing They now changed the debt amount from under {$14000.00} to over {$19000.00} on my credit again! Even tho that amount is wrong! 

I sent them 2 letters and I have rights as a consumer.
Consumer complaint received 2017-01-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have been fighting with these people for years, they had me living in a state I have never lived in and reported non payment when I paid off credit cards or loans. Most of this had to do with a construction project that XXXX Bank stole {$150000.00} of my money which I am still trying to recover. Judgements placed because they controlled all the money and lost it. Also illegal services I found on a loan which they would not remove. I also tried to get a loan and had my identity stolen which these people must have tried to use to get more money. I did refuse to pay them and told them I am entitled to my report and their scores are very unbalanced and discriminating. They refused to do anything so I had my score frozen for three months which with their inaccurate reporting made it impossible to get a loan. It if time they stopped the inaccurate reporting and also used XXXX credit card my father had which had a second card in my name I never used. They refused to verify that my signature was on those documents so when he passed I settled for less which hurt me because he was not here. Something must be done with these people and inaccurate reports when it says a soft hit does not affect your score it does. They use everything. Someone needs to come up with some kind of system. There were also credit cards that I myself did not close but did not use so they showed also which should not be reported because I did not use them I guess they close them in a certain amount of time.
Consumer complaint received 2016-08-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (MD)

I disputed an item on my credit report with Equifax. I received an email that I can view the results of my dispute online. this dispute was by mail. I never received the result by mail and the only thing I am able to see is a number XXXX and that it was completed on XXXX/XXXX/2016. A screen shot of this is attached. I have no idea what the results of the dispute are and have gotten nothing. The dispute and attachments are also attached.
Consumer complaint received 2018-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

All accounts with XXXX should be deleted. I have attached the XXXX forms fro all my XXXX accounts. 

By law accounts given XXXX can not be reported on a credit report negatively. 

Account NameXXXX XXXX XXXX Account NumberXXXX Account TypeCredit Card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid, Closed. {$10000.00} written off. 
Status Updated XX/XX/XXXX Account NameXXXX XXXX XXXX  Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid, Closed. {$7600.00} written off. 
Status Updated XX/XX/XXXX Account NameXXXX XXXX XXXX XXXX  Account NumberXXXX Account TypeSecured Loan ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid, Closed. {$3500.00} written off. 
Status Updated XX/XX/XXXX Account NameXXXX XXXX XXXX XXXX Account NumberXXXX Account TypeAuto Loan ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid, Closed. {$26000.00} written off. 
Status Updated XX/XX/XXXX Account NameXXXX XXXX XXXX XXXX Account NumberXXXX Account TypeSecured Loan ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid, Closed. {$4900.00} written off.

Status Updated XX/XX/XXXX
Consumer complaint received 2024-01-04
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: BROKER SOLUTIONS, INC. (OH)

We started our application in XXXX of 2023 and were told it looked like mid to end of XXXX for a closing date. Sellers agreed to that time frame. As time drew closer we were told they needed more time. The seller agreed to XX/XX/XXXX with a written contract which we signed. By XXXX the mortgage company asked for more time. So we asked the seller for more time, they agreed to XX/XX/XXXX but said after that they were moving on to other buyers. The mortgage company did reach out to the seller and explain why things were dragging out to show that we as buyers were 100 % committed and not wasting the sellers time. Today is XX/XX/XXXX and the mortgage company has now told us XX/XX/XXXX is NOT an option and expect XXXX more days till this renovation department would have things done for us to purchase the home. So weve wasted all this time with a company that did not care about our end of things, upset the seller to move one with buyers ( which at this point I cant blame them ), and weve lost out on nice property that in the current market we will not find again for the foreseeable future. Our time and hopes were completely disregarded and now we are back to square one. I would never recommend this company despair their reviews online.
Consumer complaint received 2024-01-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC (NY)

I paid {$3600.00} on XX/XX/XXXXXXXX  via debit card with XXXX over the phone. I had been speaking with XXXX XXXX about making a full payment in this loan. They did not give me any confirmation number nor did they send an email confirming they had taken the payment. On XX/XX/XXXX, i received a debt due notice from Credit-Control LLC for the amount I had already paid. I am unable to reach them by phone, i sent 2 emails with proof of payment to XXXX. They placed a negative mark on my credit reports. I am disputing this negative mark now with XXXX.
Consumer complaint received 2024-01-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (IL)

On XX/XX/2023 I transfered {$30000.00} from my bank to Citi Bank on line to open a new account for a 3 month promotion to get a {$600.00} bonus. During the next three months this unknown person continued to transfer money out of my account in the amount of {$20000.00}. When I went to withdray the money they told me that the account balance was XXXX. Someone had stolen my personal information. On the XX/XX/XXXX. I received a letter from Citi Bank that my fraud claim had been approved and honored. I contacted their consumer fraud dept. on XX/XX/XXXX. and was told that they needed documentation for the claim at which time I contacted the vice president branch bank manager and I am still waiting for my funds. Please Help.
Consumer complaint received 2018-05-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: URS Holding, LLC (HI)

I owed a credit from XXXX. A few months after miscommunication, the account transfered to XXXX XXXX XXXX XXXX. First week of XX/XX/XXXX, i called XXXX XXXX to pay all my remaining balances. I double checked if everything was all paid and they said yes. But a few months after, XXXX XXXX still sending me statements and balances on my credit report. I called XXXX XXXX again to confirm i already paid everything and they said yes, and eventually XXXX will stop collecting debts. Yet, the balance still showing and showed that i've been missing payments which led my credit score to go down.
Consumer complaint received 2024-01-05
Product: Credit card — Store credit 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: CITIBANK, N.A. (CA)

On XX/XX/XXXX, I noticed activity on my Best Buy citi bank credit card. It was a near {$2000.00} in store transaction at Best Buy that I did not make. In fact I was at home studying for the XXXX when it occurred. I contacted the bank immediately and requested the charge be disputed. I assumed after that that the issue would be handled and I would be contacted by the bank. In XXXX, I noticed that no action had been taken in the matter. I contacted the bank again and was told that the charge was not disputed. They accepted that it was an internal error in their system and initiated the dispute. I received no letters of rebuttal or request for my statement or information. On XX/XX/XXXX, I received a letter from Best Buy explaining nothing more than the fact that I had lost the dispute. Best Buy citi bank has been egregious every step of this situation. It is unjust for me to pay for a {$2000.00} purchase that was made while my card was stolen.
Consumer complaint received 2024-01-03
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Premier Auto Credit (CA)

In accordance with the fair credit Reporting act PREMIER AUTO CREDIT Account XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Kikoff Inc. (ID)

I have disputed this debt with XXXX 3 times, I sent the documentation showing that account had been paid and the check had been cashed by the creditor. The account needs to be updated as paid on my credit report. They keep verifying the account as not paid, I've tried to contact the creditor but they are no longer in business. XXXX is not doing doing their due diligence.
Consumer complaint received 2018-12-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (OK)

I received a letter stating that I had an owed balance with XXXX. I contacted the company and was told that my balance was {$29.00}. I have not utilized there business since XX/XX/2013. I paid the amount owed, in full. Now, I have a derogatory item on my credit report about some bogus charge that XXXX has turned over to a collection agency in the amount of {$220.00}. This is a zombie debt that is of no value and it is hurting my credit score.
Consumer complaint received 2016-04-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NY)

I attempted to file a dispute about an inquiry on my Equifax credit report. They referred me back to the company that made the inquiry, XXXX credit. I disputed the inquiry with them and they sent me a letter stating they could not remove the inquiry and referred me back to Equifax. XXXX claims it 's for some type of credit I applied and was approved for, {$1500.00}, but provided me no proof of such application. XXXX states the lender for pay pal credit accounts is XXXX XXXX XXXX. I never received information from them about the alleged account. This account was opened without my knowledge and not by me. I want the alleged account closed and the inquiry removed. XXXX and Equifax have the date of the inquiry.