davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (WI)

On XX/XX/XXXX, my wallet was stolen as a result of my car window being smashed. I reported my cards as stolen to Chase and canceled my debit and credit cards. I reported it to the police immediately and filed a police report On XX/XX/XXXX, I went to use my debit card and it was declined. I went onto the Chase app and I had negative funds and my account was frozen. Confident that I was not the cause of an overdrawn account, I called Chase to clarify. 

On XX/XX/XXXX, a check was deposited into my account for {$3800.00}. I did not deposit this check, nor do I know the owner of the check. Then that same day at the XXXX XXXX XXXX Chase branch in XXXX, WI, someone withdrew {$2500.00} out of my account. I am assuming they used my ID as it was in the stolen wallet. The person forged my name and signature on a withdrawal slip. This was all allowed to happen even though I had reported my cards as stolen. A canceled debit card was used at the time of withdrawal. 

On XX/XX/XXXX, I went into the XXXX XXXX XXXX, WI Chase branch to take care of this situation. I provided them with a police report and a fraud claim was filed. 

On XX/XX/XXXX, I opened a new Chase account at the XXXX XXXX XXXX, IL branch. The banker also indicated that all my auto pays would directly default to my new account for one month. At the time of opening my new account, I had no funds because they were stolen from me so I had no money to go into the new account until my fraud claim was settled. 

On XX/XX/XXXX, I was informed that my new Chase account was now frozen because some of my auto pays tried to charge my account but as stated above, I had no funds because XXXX they were stolen from me and 2. I was told not to worry about my auto pays because they would be covered by the new account ( which had no money in it ). I returned to the XXXX XXXX XXXX branch on XX/XX/XXXX to resolve the issue. At this time, I was told that Chase Fraud never received my police report and so no progress had been made by the fraud dept. The very helpful branch manager called to try and resolve the situation but the Chase phone operators told them that my new account is locked and will remain locked because of insufficient funds ( again I have no ability to put in funds because of the fraud claim ). Chase also told me I would have to open a THIRD account because my original account and new account were compromised. 

To this date, XX/XX/2023 I have waited 10 days for Chase settle my fraud claim and return my money. I have also been locked out of my bank account since XX/XX/XXXX. In this situation, I feel that I did everything right. I immediately reported my cards as stolen and canceled all cards. Chase allowed someone to make very large withdrawals, two hours away from my home using a debit card that was reported as stolen. I have spent countless hours trying to resolve this issue and I still remain without my hard earned money.
Consumer complaint received 2024-10-31
Product: Credit reporting 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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : DPT EDXXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-07-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-07-13
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. (MI)

I've disputed with Experian three times regarding XXXX XXXX XXXX account number XXXX regarding payment history. They're reinvestigation remain unchanged from our processing of your dispute in XXXX of XXXXthe company that reported the information has certified to Experian that the information is accurate. Experian mailed me the results and once again the payment history is inaccurate incomplete an unverified. A proper investigation obviously has not been conducted, Experian continues to violate federal law the FCRA is very clear that any inaccurate unverified incomplete information must be removed. I will submit the documentation proving that Experian is still reporting inaccurate unverified information. Which they say is accurate.
Consumer complaint received 2022-12-27
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. (NY)

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXX XXXX Balance Owed : {$1000.00} DEPTEDNELNET XXXX Balance Owed : {$1700.00} XXXX XXXX  XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-09-21
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY (IL)

Complaint XXXX My complaint is intended for WELLS FARGO BANK NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wells Fargo Bank NA shows as a lien holder on my title with Illinois Secretary of State. 
XXXX XXXX is a partner with Wells Fargo and also appears on my registration. 
My vehicle was a lease vehicle. I paid-off the lease & purchased the vehicle over 2-year ago. 
Named parties involved in the transaction were XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Wells Fargo listed above. XXXX XXXX, XXXX XXXX XXXX Wells Fargo are known to be business partners that provide auto financing and leases. 
XXXX XXXX, XXXX XXXX XXXX Wells Fargo do not have any financial interest in my car and should cooperate in clearing my title. 
I have provided the VIN number and car registration information. Title information can be verified on the Illinois Secretary of State web site by searching the VIN. 
I have provided information to confirm I paid off the lien Also provided is a form with contact information for the Illinois Secretary of State that can be used by Wells Fargo to communicate that Wells Fargo has no ownership interest in my car. 
The referenced complaint was filed XX/XX/2022. Since that filing, I have received a call & email from XXXX XXXX XXXX XXXX at Wells Fargo. I also received email and spoof call from XXXX XXXX XXXX caller id shows the phone number used by both XXXX & XXXX as being from XXXX XXXX. 
It is obvious that Wells Fargo representatives do not want to be properly identified as they do not provide last names, employee identification numbers and they share the same phone number which is identified as being their own personal phone extensions. 

My request should be very simple for a Lender. I want a release of lien or a certificate of error and/or anything appropriate document to clear my title. Wells Fargo, XXXX XXXX XXXX XXXX XXXX do not seem well informed on what happens when a lease is paid-off early and the car is purchased by the consumer.
Consumer complaint received 2023-06-30
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, and Account name : 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 states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( A ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2022-07-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

It was a capital one account and I guess it got written off so who ever bought it and trying to collect Ive tried numerous times to dispute this because it was fraud my mother has put stuff in my name and was in jail recently for tax fraud. Ive been working on fixing my credit from what my mother has messed up there is a XXXX XXXX and a capital one that she has opened. No matter how many time Ive tried to fix it, it just gets disregarded. And I shouldnt be threatened about something Ive tried to fix what should have been caught the moment it was happening with my name on the account being XXXX like of a red flag
Consumer complaint received 2022-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

In XX/XX/2022, I reported scam/fraud to my bank ( USAA ) for someone getting my login information who then deposited fake checks and wired money out of my account and resulted in the bank ( USAA ) making me reliable for the {$10000.00} that was stolen. As of XXXX XXXX, they have frozen my bank accounts and stated that I am no longer eligible to bank with them ( USAA ). They also will be sending the case to collections if I do not pay them back within 60 days which will severely impact my credit. I have been a long time customer ( over 10 years ) with no issues and the bank ( USAA ) is unwilling to help me with the scam/fraud and has created a huge problem for me and my family. I can not pay my bills since they are withholding my money, bills that were paid are bouncing and resulting in even more fees, and the bank ( USAA ) has turned me into the bad guy since my login information was compromised. I thought I was a member of a customer loyal company but they ( USAA ) have completely turned their back on me. It is hurtful and has caused extreme stress and pressure on my family. This is shameful coming from a company that states they are there for their customers who are part of the military family and community.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I checked my credit report this morning, I was horrified to find incorrect accounts listed that weren't there before, and Im at a loss as to how this happened. I check my credit report often, and this was completely unexpected. I even tried refreshing the page, hoping it was just an error, but the wrong accounts still showed up. This has left me really upset, and I would appreciate it if you could carefully verify the documents I've sent to prevent this from happening again.
Consumer complaint received 2023-06-30
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. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

When looking over my recent credit reports I came across some accounts XXXX XXXX XXXX amount {$6800.00}, XXXX XXXX amount {$3000.00} that i dont recognize. Ive tried disputing the account because im currently trying to purchase a home and nothing has been sent back to me as far debt validation or updated credit report. This Agency is in violation of This agency is in violation of 15 USC 1692g section 3. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor only i can validate this debt. i do not validate this debt. My information was also involved in a data breach.
Consumer complaint received 2023-10-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

My name is XXXX XXXX XXXX, I am in the transportation business and I purchase vehicles from various dealerships in and near the southeast region. Multiple times I advised and strongly suggested the financial managers of these dealerships not to run my credit with all these financial institutions. These hard inquiries regarding credit and the auto loans associated with my credit report were not authorized by me. According to Fair Credit Act laws enacted by Congress, these financial institutions are in direct violation of my privacy rights. I gave no written consent for or authorization for any of these hard inquiries to be on my credit report. As I strive to grow my business that has been a hindrance to scale my business as they are a detriment to future lenders.

Please Remove All of these Hard inquiries from my credit report as they are harmful to me and my family 's forward progress. 


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Consumer complaint received 2022-12-26
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. (KY)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 

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 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  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.

15 U.S.C 1681c. ( a ) ( 5 ) SECTION STATES : 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.

15 U.S.C 1681s-2 ( A ) ( 1 ) 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.