davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX I submitted a letter from XXXX XXXX XXXX to Experian stating the following : RE : Paid in Full on Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Dear XXXX XXXX. XXXX XXXX XXXX : This letter is written confirmation that the above referenced account was paid in full and closed on XX/XX/XXXX. We are in the process of updating this data with the credit reporting agencies which will take approximately 45 to 60 days. 
We value your membership and ifwe can be offurther assistance to you please call us at XXXX or XXXX exlension XXXX, Monday lhrough Saturday XXXXXXXX XXXX. lo XXXX. 
Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX A charge of effecting my report negatively has continued to remain on my credit report since this time and Ive submitted numerous disputes since then. This morning after submitting a complaint through CFPB about this matter, I received yet another dispute response from Experian informing me that the charge off remains as investigation info from XXXX states the info is valid. I just spoke with XXXX and confirmed that they have not provided any such information to Experian and there is NO INFORMATION that indicates I have a charge off or negative account with their institution and will be sending yet another letter for my records. 

THIS IS ILLEGAL TO CONTINUE HINDERING AND HURTING MY CREDIT BY NOT PROPERLY REPORTING ACCURATE INFORMATION!!! My score has dropped a great amount due to this issue!!
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX XXXX {$4600.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$400.00} XX/XX/XXXX XXXX  XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$11000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX
Consumer complaint received 2023-02-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (FL)

Hello, Im contacting the consumer protection financial bureau in regards to Chase Bank. Chase has decided as a business to end their relationship with me their banking relationship I would like for that decision to be reconsidered based off of the fact, my checking account has never been negative. There have never been any fraud claims on my account. There have never been any check fraud claims on my account. The reason why is because I keep my account maintain well I also have 4 credit cards with Chase so having a checking account, would make an extremely easy to pay my credit card. I am a serious customer as Chase can tell which is why I currently have four open credit cards with Chase so I would like my banking relationship with Chase to be reconsidered
Consumer complaint received 2023-02-22
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. (FL)

The below credit inquiries were done without my consent and are unauthorized and try to dispute direct with Equifax and they did not remove. 
XXXX XX/XX/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 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 2023-02-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (TX)

I am a victim of identity theft and someone has opened a fraudulent Chime account using my personal information.I received the card from chime with the account information on XX/XX/23 in the mail to my home address. I immediately called Chime and attempted to mark as fraud and requested that it be closed but I was refused by the Chime person on the phone since I could not verify the fraudulent email address in which the account was opened under. I was told that the call recording would be submitted to their fraud department and I would receive an email ( to an email address I provided ) within 24 hours confirming that the account was closed. Today, XX/XX/23, I have received no correspondence from Chime regarding the closing of this account. 

I called Chime again today, on XX/XX/23. I informed them that I have not received any email from them and would like to mark the account as fraud and request that it is closed out. Chime confirmed my ( actual ) email address and re-sent another email that I never received. 

Chime is very difficult to work with and I feel like as a victim of identity theft I am having to jump through hoops to get help to mark the account as fraud and close out the account.
Consumer complaint received 2023-02-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: URS Holding, LLC (TX)

I have received 7 calls since XX/XX/XXXX to my personal cell for a family member that has been Deceased since XX/XX/XXXX. On XX/XX/XXXX at XXXX and XX/XX/XXXX at XXXX CT I actually answered. They asked for the person to which I informed them they were no longer alive and the date of death and asked politely for them to stop contacting me. Every single time someone calls asking for my mom it brings up all of these horrible emotions ( was a horrible house fire that cause her AND my step father 's death ) and my XXXX XXXXXXXX XXXX XXXX  all day and I keep rehashing what happened. They need to STOP CALLING ME!!
Consumer complaint received 2020-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

FRAUD on my Credit Card account with Capital One, XX/XX/XXXX and XXXX, XXXX for the amount of {$210.00}, XXXX and XXXX total XXXX dollars. Capital One notified me of unusual active within my account. They inform me that they would investigate on XX/XX/XXXX. A refund was credited back on my account in the amount of XXXX. On XX/XX/XXXX the amount was rebilled to my account for the same amount {$750.00}. On XX/XX/XXXX I received a letter from Capital One informing me of the following facts : We incorrectly applied XXXX to your account. We discovered this error, and will fix it and show it on your next monthly statement. That was the total amount of XXXX that took place in XXXX, {$1200.00}. The amount that is still showing is {$750.00}. On XX/XX/XXXX I called once again and they apologized. And again my account was re-credited and rebilled on the same day. On XX/XX/XXXX I placed another call and was told that they did not understand why the error keeps occurring. Capital One admitted that the corrections where not done properly and assured me that it would not happen again. I have attempted to correct this account since XXXX. Because of the fraud and Data Security Breach that took place within this company XXXX, XXXX, it has been problematic to obtain a pay off on this account. This has caused me to pay addition interest on my account.
Consumer complaint received 2023-02-22
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: SYNCHRONY FINANCIAL (NC)

Purchase made online via XXXX on or about XX/XX/XXXX, in the amount of {$39.00} and I never received the product. On my bill it shows the charge was made in XXXX by XXXX, however the ad indicated the company was in California. In or about XX/XX/XXXX, I filed a dispute with Syncrony Bank ( Verizon Visa ), the charge was taken off, a new card was unilaterally issued by the bank as a result of fraud. Surprisingly, on or about XX/XX/XXXX, the company charged my account for the {$39.00} that they already verified to be fraudulent. I made three inquires ( 2 via telephone & 1 via online message ), and all these " fast speaking and XXXX  '' agents keep saying is that " I accepted responsibility for the charge. '' I asked them to provide me with the proof they have of this and they are unwilling to do so. The next excuse the agent gave me was the I " filed the dispute incorrectly '' ... some nonsense about a billing dispute and fraud dispute. Not matter what, I filed a dispute to a charge that was a scam and fraudulant. I have no idea what this company is doing and all I've received from them since XXXX, is sneaky business practices. Their investigators didn't investigate this matter since all they had to do is XXXX the name of the company and the results show as " SCAM ''. See attachments. Synchrony Bank is allowing this scam to continue and they are placing the consumers at risk with not doing their complete job! Suffice it say, I bought something online and never received the product, nor did I " accept responsibility '' of the charge as the agents both claim, but they won't provide me with proof of my acceptance. By using my Visa, I have protection ( or they claim I do ), for such circumstances.
Consumer complaint received 2020-05-29
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. (VA)

I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX  XXXX opened in XX/XX/2007 in amount XXXX should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, XXXX, and Experian, even after attempts of removal with credit repair company on my behalf.
Consumer complaint received 2023-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TD BANK US HOLDING COMPANY (NY)

on XX/XX/XXXX i deposited a check on the mobile app for {$1600.00}. I started using the app because in person the checks were depositing slower, then i started to deposit in the ATM and the same thing happened so now I used the mobile deposit and the official check from XXXX was on hold for 1 business day which turned to three and then my account went under review which they told me i had to go into a branch to find out why on XX/XX/XXXX. I came in on XX/XX/XXXX at XXXX XXXX XXXXXXXX XXXX NY XXXX. Branch manager said that they are closing my account because i endorsed the check. I was furious. I had no idea how this could of happened. He said because XXXX never made the check. My account will be closed and they rarely reopen it then he continued to inform me how to prepare myself to get money if money will be wired. He said I can try to come back in on Monday to talk to the fraud dept. I came in Monday and he wasnt there. I spoke to XXXX XXXX and said was able to get it reviewed again and ill find out by friday if TD Bank will reopen my account that's dated to almost a decade. I came in monday with a bank statement that my check was in a batch of two others that were made at the same time my boss passed out. The other two were deposited to other banks other than XXXX and TD Bank and did it instantly since its an official check but unfortunately for me its a fraudulent check and my bank is now closed after nearly a decade with no fraudulent check activities.
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P. (IL)

I filed a complaint against XXXX about some fraudulent accounts and address on my personal credit report. XXXX would not even investigate the claims of fraud based off whatever they have on file from the company. It's my credit report and I have proof that the accounts was open fraudulently by someone else. I sent in all documentation requested from me. Police report, letter of XXXX  at the time the accounts was opened, utility bill of where I stay and been staying. Look over the computer its easy commit fraud and you can get fraudulent documents from anywhere online nowadays. But the disturbing part of this process is XXXX not even putting no efforts to help consumers. They not sending no type of proof that will confirm I opened these accounts. They just don't investigate it and send a response saying they not gone investigate the matter because the company said its valid. Thats not fair to the consumer who credit this is affecting. It's my credit report that they suppose to be protecting, but they taking the company words over mines. Of course the company gone keep trying to collect on a account, but the account was opened fraudulently. I can see a huge class action lawsuit coming XXXX way because this is unfair to people to just look the other way when someone proving that they have been a victim of fraud.
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX {$200.00} XX/XX/XXXXXXXX XXXX  XXXX XXXX {$990.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$1300.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX $ XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX {$1400.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$1500.00} XX/XX/XXXX
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2020-05-29
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: Experian Information Solutions Inc. (TX)

The below listed INQUIRIES and COLLECTIONS by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 
XXXX XXXX  XXXX  XXXX Mortgage Reporters Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX Equipment Leasing Inquiry date : XXXX XXXX, XXXX XXXX XXXX  XXXX  XXXX  Mortgage Reporters Inquiry date : XXXX XXXX, XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX XXXX XXXX Sales Financing Company Inquiry date : XX/XX/XXXX XXXX Complete Department Stores Inquiry date : XXXX XXXX, XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXXomplete Department Stores Inquiry date : XX/XX/XXXX Collections Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$640.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$1400.00} Balance updated XXXX XXXX, XXXX XXXX  XXXX  XXXX  Original creditor : XXXX XXXX XXXX XXXX {$0.00} Balance updated XX/XX/XXXX XXXX
Consumer complaint received 2023-02-22
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I recentlt reviewed a copy of my credit report and noticed the following information regards inquiries to be an error. According the the fair credit reporting act states what instiutions are allowed to pull credit. 
The following inquiries are not related one of the allowable purposes as i have reiterated from the fair credit act ; XXXX ) XXXX XXXX XXXX ) .Capital one auto financial 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 XXXX ) .XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) .XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I filed a complaint against Experian about some fraudulent accounts and address on my personal credit report. Experian would not even investigate the claims of fraud based off whatever they have on file from the company. It's my credit report and I have proof that the accounts was open fraudulently by someone else. I sent in all documentation requested from me. Police report, letter of XXXX at the time the accounts was opened, utility bill of where I stay and been staying. Look over the computer its easy commit fraud and you can get fraudulent documents from anywhere online nowadays. But the disturbing part of this process is EXPERIAN not even putting no efforts to help consumers. They not sending no type of proof that will confirm I opened these accounts. They just don't investigate it and send a response saying they not gone investigate the matter because the company said its valid. Thats not fair to the consumer who credit this is affecting. It's my credit report that they suppose to be protecting, but they taking the company words over mines. Of course the company gone keep trying to collect on a account, but the account was opened fraudulently. I can see a huge class action lawsuit coming Experian way because this is unfair to people to just look the other way when someone proving that they have been a victim of fraud.
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I have identified items on my consumer report that are a result of identity theft. These items listed are all 2nd paid transactions that do not have my written or verbal consent to report all items listed ( documents attached/ enclosed ). According to 15 USC 1681 C-2 I am filing this complaint. The items listed are also a violation of 15 USC 1681 ( a ), ( 2 ), exclusions, 15 USC 6802 ( b ) opt out. Some of creditors were warned by USPS mail about my rights as a consumer by ignored my correspondence and continued to violate my rights as a consumer.
Consumer complaint received 2023-02-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/XXXX, someone withdrew XXXX XXXX from an ATM. As soon as I saw this I told my bank that it was fraud because I didnt have my card in my possession. They issued me a credit on XX/XX/XXXX for the full amount. Then as time go on they came to the decision that my claim couldnt be paid. So they ended up reversing the credit which put my account in the negatives. I reached out to my bank yet again trying to figure out whats going on and why wouldnt my claim be valid. As we were discussing we over the phone they said that I didnt provide certain information like not having my card in my possession and how they tracked my account to see if the person who withdrew that money was still trying to keep doing it. I kindly informed the lady over the phone that I indeed did let the claims department know that my debit card wasnt in my possession and it was missing for a couple of days but I didnt pay it any mind because I thought I lost it in my room. So I had the claim/case reopened with more information provided. Days pass and still said my claim cant be paid.
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

We fileXXXX XXXX XXXX XXXX on XX/XX/2022. We notified Experian of a XXXX account currently showing open that should be reporting as closed, zero balance and included in the XXXX. After multiple dispute submissions they have not corrected the report. We would like the Consumer Financial Protection Bureau to investigate Experian.
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (KS)

Despite numerous attempts to rectify this issue experian willfully continues to violate the law they refuse to remove invalid information and refuse to comply with the requirements of the FCRA. Experian received my letter highlighting the violations of my rights and invoice for payment on XX/XX/2023 by XXXX certified mail XXXX XXXXXXXX cfpb report XXXX XXXX was met with a Generic Pre populated message that doesnt address any of the issues discussed.