davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

I found the weird transaction in my checking account ( Chase bank ). I never used my account for XXXX, but there were a lot of transaction in my statement. It started from last XXXX until XXXX. But in XXXX to XXXX, those were small amount of money, so I didn't notice these frauds, but in XXXX, there were several weird transaction with big amount of money. I visited Chase bank right after I noticed these frauds ( XXXX ). I reported the claim for these transactions and I waited for 3 weeks for it. Then they said they could only pay back for 60days transaction from the initial transaction. So they only paid back for XXXX and XXXX 's transactions. It means they knew all of those are frauds, but they want to pay for only initial 60 days ones. The first banker said we could get money back within latest 60 days. But the third banker said, from their regulation E (? ) policy, they can investigate within 60 days issue, however, they can cover only initial 60 days transactions. I think it doesn't make sense, because at first they said they can cover within 60 days transactions and it was because of their security, not my fault. Also I checked with XXXX and they said my account is under different person 's name. But this fraud person can use my checking account and Chase bank allowed this transactions, even they used different name. The bank said they can't do anything, but it doesn't make sense to me. They should cover everything or recent 60 days transactions. 
Thank you for your help.
Consumer complaint received 2022-07-31
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. (FL)

Accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2021-05-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MA)

I have requested a payoff statement for 3 different times with myloancare/XXXX XXXX. I am told to wait 30 mins and to then call back. I provided three different email addresses and a fax number and i have yet to received a payoff statement from them. I really don't know what else to do, this is preventing me from closing my loan.
Consumer complaint received 2022-08-23
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: AMERICAN EXPRESS COMPANY (NY)

For approximately one year I have been billed for Home Delivery Service of XXXX ; I have never received Home delivery of this newspaper. I have repeatedly disputed these monthly charges with my credit card company, American Express. However, only some of the charges have been credited back to me.
Consumer complaint received 2021-09-09
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlas Services, Inc. (IN)

Atlas collection agency XXXX, IN. called me 3 times at XXXX XXXX XXXX XXXX, and again at XXXX XXXX. I answered the final call advising them they are calling too many times during the work day and infringing on my rights, was told they can " call me every hour on the hour legally. ''
Consumer complaint received 2016-08-31
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA (OH)

XXXX sold my loans to AES. I have tried contacting them for months about making payments ( I ca n't log into the website ). They keep sending me bills each month with hundreds of dollars of accrued interest yet I am unable to make payments on their site. I 've payed thousands on the principle with XXXX yet the balance is higher then it was with XXXX, which makes no sense. I have never missed a payment, in fact I have paid YEARS ahead yet I owe more then the original amount.
Consumer complaint received 2022-08-23
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: LEXISNEXIS (MD)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$500.00}, and XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$1500.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2016-01-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (NV)

i have been dealing with Chase modification department for over 5 years. Have been assigned numerous Customer Assistance Specialists and also various supervisors to help resolve issues that have needed assistance. All documentation required had been sent to them over these 5 yrs with no resolution. This has continued with no resolution after 5 long years of frustration. I can not begin to count how many times we have completed all these loan packets that have been sent. Over these last years we have supplied every document chase requested. We keep all this documentation back up. Every time they assign us a new assistant we go thru this same process with no resolve. Please help us get this finally resolved.
Consumer complaint received 2016-09-29
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP (GA)

I have been trying to work with my lender for the past 18 plus month to approve a short sale of my property. I explained to the lender that my income had been reduced as I am a sales person that make commission and I had to take care of my father who had came to live me with me and my wife due to XXXX. My father passed away without life insurance and it was up to me to pay for the funeral arrangements as well as take care of his affairs. Between the reduction in pay as well as taking care of my terminal father I was unable to pay my mortgage as well as mortgage on the house my wife and I were living in. I racked up substantial credit card debt just to take care of everyday living expenses furthering my hardship. Most recently my wife lost her job and I recently had a XXXX. After my wife XXXX she was in the hospital for more than two months furthering our debt and non ability to pay on my property. My realtor has procured several viable buyers over the past year and half but each time Selene Finance prolongs the process by requiring multiple paper work that has been submitted before as well as asking for an increase to the selling price, essentially pricing out the market. This has been an burden to my family as well as to my financial well being. I ruined my credit in order to partake in the short sale process only to find that Selene Finance is not interested in allowing a short sale on the property. I am the sole earner in my family, with a XXXX, medical bills, as well as a mortgage on my wife 's property to pay on. I simply can not afford to pay two mortgages, two HOA fees, two utility billings on any type of salary I currently make. I need any help as possible to get from under this property. Selene Finance is not interested in helping me with this situation as the past almost two years have shown.
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MD)

In accordance with the Fair Credit Reporting act XXXX  Account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 an account without my written instructions.
Consumer complaint received 2022-10-24
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX XXXX XXXX has twice requested TransUnion to update XX/XX/2022 and XX/XX/2022 hard inquires to soft inquiries. TransUnion has not complied.
Consumer complaint received 2018-08-03
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. (VA)

EQUIFAX, Confirmation # XXXX refuses to DELETE THIS ACCOUNT FROM MY REPORT EVEN THOUGH IT IS THE SAME XXXX XXXX that they are already listing as being closed as of XX/XX/XXXX. 

XXXX XXXX, XXXX purchased these bad debts and are deceptively disguising them account as the original creditor being " XXXX. '' This is a disputed account pursuant to XXXX XXXX XXXX  and I am an " affected consumer '' pursuant to this ORDER. The Order states that these accounts are not to be transferred to Collections. Pursuant to the Consent Order I AM NOT LIABLE FOR THIS FRAUDULENT ACCOUNT and I want it deleted from my file. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. 

Credit File states for this account that " XXXX '' was closed on XX/XX/XXXX. So how is it an opened account as of XX/XX/XXXX?
Consumer complaint received 2022-10-24
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, 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 produce the contract used to verify these accounts because I have none with them and the information you have is inaccurate. Additionally, I called the furnishers and they don't have any proof the accounts belong to me. They realized they reported the wrong information to my file and agreed to remove it. Please remove them instantly! 

XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2022-10-24
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions 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 produce the contract used to verify these accounts because I have none with them and the information you have is inaccurate. Additionally, I called the furnishers and they don't have any proof the accounts belong to me. They realized they reported the wrong information to my file and agreed to remove it. Please remove them instantly! 

XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2022-06-09
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)

Credit Reporting agencies improperly reported information on my consumer report. The information was disputed and the results came back from the agencies as " Verified '' but still showing incorrect information and shows they did not conduction a " Resonable '' investigation as required by the FCRA. The account is a collection yet showing a past due, also payment grid showing incorrectly.

This is a violation of : 15 USC 1681e ( B ) - Maximum Reporting Accuracy 15 USC 1681i ( a ) ( 1 ) ( A ) - Procedure in case of disputed accuracy I have uploaded the Investigation results as proof of the poor investigation and inaccurate reporting.
Consumer complaint received 2022-08-23
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2018-08-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP (IL)

I have tried multiple times the past year to close my account with US bank. I originally created an account so that our mortgage rates through them would be cheaper. This was back in XX/XX/2017. I was told that after this, and all our closing funds were in the account and closing and the closing was completed ( in XX/XX/2017 ) that I could close the account. 
Immediately after the closing, I had {$100.00} in my account. I was told to wait for the notice that the closing was completed and I could close the account. In XX/XX/2017, I received a bill because I had less than {$10000.00} in my account. I called and was told they would cut the fee back and I could close the account. The next month, XX/XX/XXXX, I receive another bill. I called and complained and so on and so forth every month ever since. 
I had gone in the close the account in XX/XX/2017. The bank refused to close the account because they had continued to bill me and I was told Id have to pay {$120.00} in their fees to have the account closed. This was not a fee for closing the account, but because I had been under {$10000.00} since after our XX/XX/XXXX closing in the account. 
Theyve taken {$100.00} that was left in the account and have been trying to add to the bill every month. 
This month, today, I sent a letter informing them, as I have over the phone in XX/XX/2017, that I was CLOSING THE ACCOUNT. I refuse to pay this bill as I was never notified about being charged for my account being less than {$10000.00} initially when the account was opened. 
Ive called and spoken with the managers of branches and all in between. 
I will not pay them a dime. They have {$100.00} of my money and keep trying to charge me more.
Consumer complaint received 2022-08-23
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. (GA)

Any of the business credit cards I have are only reported with XXXX XXXX XXXX and other business reports NOT PERSONAL REPORTS. 
I ALWAYS WONDERED WHY XXXX XXXX IS REPORTING ON XXXX AND WHY THEY ARE ALLOWING IT TO BE REPORTED. PLEASE HAVE XXXX XXXX AND XXXX REMOVE THESE REPORTINGS AND PUT ON CORRECT BUSINESS REPORTS.
Consumer complaint received 2022-07-31
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. (AL)

I have requested for XXXX XXXX  and dept of education to change the balances on the loans I have a XXXX XXXX. The company promise to remove the balances to XXXX. The lender are not requesting for the loans that I have that are transferred/closed account. 
They are still sitting on my credit report appearing as double loans. They have the same account numbers, I really would like for the lenders to remove the closed loan accounts.
Consumer complaint received 2019-03-29
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: EQUIFAX, INC. (GA)

I was advised to contact this agency regarding items on my credit that are not mine. The first time I noticed something weird is when I applied for a XXXX account and was not approved. I then went to my bank who I have bank with for the past 6 years which I also have car loans with and they did not approve me for a personal loan. Please take these items off my credit. I have contacted my local police and the FTC. XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX. I am doing this on my own behalf.
Consumer complaint received 2022-07-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC (WI)

Sent This Letter & did NOT compile or respond - still on all three ( 3 ) CRA 's Mailed XXXX Credit Management Company XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Re : Acct # xxxxxxxx {$180.00} To Whom It May Concern : This letter is being sent to you in response to your recent letter. This is not a refusal to pay, but a notice that your claim is disputed. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. 
Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. XXXX. 
APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. 
The term 'breach of security ' means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 
Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. 
Please also attach : copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. 
Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting ; or verifying this account on my credit reports. 
I require compliance with the terms and conditions of this letter within 30 days. or a complete withdrawal, in writing, of any claim. 
In the event of noncompliance, I reserve the right to le charges and/? or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB , XXXX  and State Bar associations for violations of the FDCPA, FCRA XXXX and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as in violation of Wisconsin medical privacy rules. 
I also hereby reserve my right to take private civil action against you to recover damages.
Consumer complaint received 2022-04-25
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 had a roommate who lived in my home for several years. I was not aware that they illegally acquired my information and over the course of these last several years used my information in an attempt to acquire credit with various credit companies. 
I contacted by phone XXXX and they were very helpful and removed the inquiries in question but then about a month later-reinserted those inquiries without any notification to me whatsoever. I also called Equifax and XXXX and was told that hard inquiries were not allowed to be deleted. That is not an accurate statement and the FTC has provided me with a letter acknowledging that I am the victim of identity fraud. I would like to have any inquiries that I did not personally make and or sign for removed as soon as possible. Since different credit bureaus have different inquiries I would like to have a dispute opened for me with a representative so I can accurately and fairly get my information updated. Thank you