davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-21
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/2022, I deposited a check of {$1000.00} in my chase account. After 3 days I checked my account and the funds wasnt available to use. I reached out to chase ( my bank ) to find out whats going on and I was told that, there was a hold on my account for verification purposes of the check. A week later, the funds was still unavailable to use. I reached out to chase again and I was told that they havent verified the check yet. 3 weeks later after talking to plenty of representatives with different stories, I was told my account had been closed. Chase told me that theyre not obligated to tell me why they close my account. They locked me out of my account and everything. During that time my, account was - {$270.00} but because I deposited the check, my remaining balance was {$680.00}. It is now XX/XX/2022 and chase is holding my funds. because chase is being negligent with the situation, I am unable to pay my light bills and some leftover rent I have to pay. I can not express the amount of stress this situation has caused me for me for the past 5 weeks and ongoing. I havent been able to find a resolution to this stressful issue. Ive talked to at least 20 representatives, from associates to supervisors. Please help!
Consumer complaint received 2022-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Georgia Student Finance Authority (GA)

I have contacted Georgia Student finance authority on several occasions through out the year. beginning in on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.I have been given the run around and the inaccuracies still remain on my credit report.
Consumer complaint received 2022-11-21
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

I did not want my XXXX account to be closed, and was locked out of the card. I made numerous attempts to access the card and use it before the card was shut down, and Synchrony bank was not accessible for help. I would like for my Amazon store card to be reinstated. There is no reason that the bank closed this card on me rather than helping me access it. This hurts my credit score because it is one of my oldest cards, and this is not right. I have been trying to recover my account from some issues and was locked out of this account. Please assist in reinstating my XXXX credit card.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I recently received a copy of my credit report from one of the credit agencies. XXXX, XXXX or TransUnion. Upon reviewing it I noticed some discrepancies that I would like to address. 

There seems to be a record of payments and inaccurate accounts associated with my profile specifically concerning the account under ( XXXX, XXXX ). I want to clarify that I have never been late in making payments for this account. Kindly provide documentation supporting any alleged payments so that we can rectify this error. If you are unable to provide evidence, I request that these inaccuracies, be promptly removed from my credit report as per 15 USC 1681b.

It appears that there may have been a misunderstanding or oversight on your end regarding the reporting of information related to my account. According to the law outlined in 15 USC 1681b concerning purposes of consumer reports it is crucial to adhere to guidelines when furnishing consumer reports. 

As per the statute mentioned above consumer reporting agencies are only permitted to furnish consumer reports based on written instructions from the individual. Therefore, I urge you to verify whether I explicitly authorized the inclusion of this information in my credit report. 
Thank you for your attention and cooperation, in resolving this matter efficiently. 
Additionally, the FAIR CREDIT REPORTING ACT, under section 15 USC 1681 ( 2 ) ( a ) ( i ) specifies exclusions regarding information in consumer credit reports.

( 2 ) EXCLUSIONS. With the exception outlined in paragraph ( 3 ) a " consumer report '' does not encompass Within the provisions of section 1681s 3 of this title any ( i ) report that solely contains details about interactions or transactions between the consumer and the reporting entity. Kindly remove the payments from my consumer report as it violates 15 USC 1681. 

Failure to adequately respond by deleting the specified account from my report and providing a complimentary copy post adjustments will lead to action against your organization. I intend to seek {$1000.00} per violation for. 

1. Defamation of Character 2. Negligent Enablement of Identity Fraud 3. Violations under Fair Debt Collections Practices Act specified in 15 USC 1692g 4. Willful noncompliance with Fair Credit Reporting Act outlined in 15 USC 1681. Liability, for noncompliance [ IS U.S.C. 168 In ] Two year payment history is erroneous and incomplete with all three credit agencies. 

TransUnion : 30 days late XX/XX/2022 & XXXX XXXX  60 days late. 

XXXX : 30 days late XX/XX/2022 and XXXX XXXX 60 days late. 

XXXX : XXXX XXXX 30 days late and XXXX XXXX days late.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (VA)

These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPTARMENT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.
Consumer complaint received 2022-11-21
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: Cascade Capital, LLC (LA)

I pulled my XXXX Credit Report and noticed an inquiry from Cascade Capital , LLC who is a debt collector. They had no permissible purpose to obtain my credit report under FCRA. According to XXXX XXXX XXXX ( r ) ( XXXX ) the term " account '' is defined as having the same meaning as in section XXXX. I have never initiated any credit transaction with Cascade Capital nor had an " account '' with them.
Consumer complaint received 2024-01-22
Product: Credit reporting 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. ()

This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I was not notified in the time frame.

1. Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS Inaccurate across all 3 Bureaus Experian XXXX and XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
2. I previously disputed this account. I don't agree with the results of your investigation. Please mail me proof of your investigation or delete the negative information. 
XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.

3. 15 U.S. Code 1643 ( b ) Burden of proof Liability of holder of credit card XXXXXXXX XXXX  Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
4. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX XXXXXXXX Account Number XXXX XXXX Please correct/update this inaccurate information on my credit report. 
5. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX  VA XXXX XX/XX/XXXX 6. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX XX/XX/XXXX As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation.

Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX
Consumer complaint received 2022-11-21
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. (CA)

1. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 4. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX 5. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 7. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX 8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 9. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 11. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 12. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 13. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX 14. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX 15. Validate Account XXXX 16. Validate Account XXXX XXXX 17. Validate Account XXXX XXXX XXXX  XXXX XXXX Please remove it from my credit report. 

18. Validate Account XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

19. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, XXXX  XXXX 20. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX 21. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, XXXX  XXXX 22. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX 23. The following personal information is incorrect Employers : XXXX EMPLOYEE 24. The following personal information is incorrect Employers : XXXX
Consumer complaint received 2022-07-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (NE)

I acquired home loan through XXXX bank written to XXXX XXXX mortgage in XXXX. I subsequently refinanced in XXXX. Citi Mortgage acquired XXXX XXXX  mortgage and my loan was transferred to Citi Mortgage. I paid off the loan with Citi in XXXX. Citi released the lien on my house for the transferred loan. But they did not release the lien from XXXX loan from XXXX. Even though I paid off my loan in XXXX, I still have the lien on my title from XXXX which Citi Mortgage and XXXX XXXX  should have coordinated to release. 

This is a huge road block to close my house to the buyer even though I paid off my loan in XXXX. I made lot of arrangements in my new location anticipating that we will close the house per our plan. 

Please help to resolve and get me the release documents needed as soon as possible as I am in a time crunch to close the house. 

Appreciate your help! 

Actions : XX/XX/XXXX : Called XXXX Citi Mortgage number and it went to automated message which said there is no customer service, but directed me to send an email to XXXX. 
XX/XX/XXXX : I sent an email to XXXX requesting help to resolve. But there was no acknowledgement or further information request. 
XX/XX/XXXX : XXXX XXXXXXXX XXXX company based in XXXX, XXXX working on my behalf and the buyer 's behalf to close the house to the buyer- sent an email to XXXX attaching the deed of trust, Substitution of trustee and the title insurance details. 
XX/XX/XXXX : I got hold of one of the Loan officers who helped to work with lien release team and resent the deed of reconveyance from XXXX. But we are looking for deed of reconveyance from XXXX. 
XX/XX/XXXX : I am still trying to figure out how to get the document ( s ) needed to sell and close my house to the buyer.
Consumer complaint received 2022-11-21
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. (CT)

on XX/XX/17 XXXX added hard inquiry from XXXX XXXX  to my credit Report as though I was applying for a refinance. XXXX XXXX had no such permission, and I did not ask to refinance my house. I did not even initiate the phone call and the only thing I was asked about was a " soft inquiry ''.
Consumer complaint received 2022-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CT)

on XX/XX/17 XXXX added hard inquiry from XXXX XXXX  to my credit Report as though I was applying for a refinance. XXXX XXXX  had no such permission, and I did not ask to refinance my house. I did not even initiate the phone call and the only thing I was asked about was a " soft inquiry ''.
Consumer complaint received 2021-07-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (GA)

My loan has been sold and transferred from XXXX XXXX XXXX XXXX to Freedom Mortgage Company. I received a notice on XX/XX/XXXX from XXXX that my mortgage has been sold and that all payments should go to Freedom Mortgage Company as of XX/XX/XXXX. Despite multiple calls to Freedom, they have not set up my account, and as of today told me that my account is still not set up and I have no way to make payment. I am very concerned, as due to Freedom Mortgage Company and XXXX XXXX  XXXX 's own incompetence at handling my account sale and transfer, I am at risk of becoming late on my payments and facing penalties or worse. 

It is a unbelievable and wrong that I am trying to pay Freedom Mortgage Company however they are unwilling or unable to accept my payment to keep my account in good standing. I suspect they are trying to not allow me to pay in order to get late payments or illegally foreclose on my home.
Consumer complaint received 2022-07-15
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)

i am writing to delete the following information in my file. The items i need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report I am writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the Affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible.
Consumer complaint received 2022-08-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: SIMMONS FIRST NATIONAL CORPORATION (AR)

transactions have been made an deleted from my account filed dispute still did not get my money back. double charges for items iv purchased. the bank wants me to close the acccount but the bank is the one who is taken my money.
Consumer complaint received 2024-01-22
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: Experian Information Solutions Inc. (AZ)

I filed a dispute in XX/XX/2023 to Experian and advised that I never had an Auto loan with XXXX XXXX. I submitted my theft affidavit and they told me that they were not blocking the account. I told them that it was fraud and they still refused to block it and would not send me verification on how they verified the account. They are in violation and its unfair that they are reporting this information and then Experian responded back saying it was frivolous and wouldnt even tell me how it was frivolous. I should be able to dispute something that is inaccurate. Then on top of the that they removed it and added it back without sending me any notification.
Consumer complaint received 2022-11-21
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: SANTANDER HOLDINGS USA, INC. (MS)

Santander Consumer USA has reported a charge off on my credit report. It is illegal to post income on a consumer report a charge off according to the IRS it is income the company has to file a XXXX and they never sent me a copy of the XXXX
Consumer complaint received 2023-03-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (OH)

I sent XXXX XXXX asking them the verification & validation letter. I only received a verification letter. They didn't send me all the information that I requested. After looking at what they sent I realized the amounts is different on the last statement they sent from XXXX vs what XXXX  has listed. The information don't match & is inaccurate. The last statement say new balance {$480.00} previous balance {$470.00} vs what they say is {$450.00}. I sent them a letter asking for all billing statements & the original contract with my signature. I didn't receive it only one statement. I will include the letter I sent along with what they sent me. The {$450.00} is also being reported on my credit. I want to know how they come up with this amount vs what the statement say. There is no proof of how they came up with this amount im sure that's a violation
Consumer complaint received 2023-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (FL)

JPMCB ... My ex business partners opened this card in my name fraudulently to get funding for XXXX XXXX XXXX. They defaulted on our agreement which makes it fraudulent. I took them to court and they defaulted on the court order! I talked to the creditor and all 3 credit agencies to remove it from my credit reports but they all said it wasn't fraud and it stayed on my reports even with evidence of my court case against them? My ex business partners ruined my credit and this was 1 of 4 credit cards that they opened in my name fraudulently.
Consumer complaint received 2023-06-23
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. (PA)

The XXXX XXXX XXXX XXXX is reporting as a mortgage and is not a mortgage. I d not get to own any of the property after I pay off the mortgage, and will still be required to use my points to reserve my use of the property.
Consumer complaint received 2024-01-22
Product: Credit reporting 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)

This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I was not notified in the time frame. 
1. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. Account was paid XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. 15 U.S. Code 1643 ( b ) Burden of proof Liability of holder of credit card XXXX XXXX XXXX  Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
4. 15 U.S. Code 1643 ( b ) Burden of proof Liability of holder of credit card XXXX  XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
5. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  7. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation. 
Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX