davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

Prior to the date of this transaction that was XXXX at XXXX XXXX I received A phone call from the number XXXX and they told me they worked for Chase bank and they asked for my card number. A couple days after the phone call all these transactions happened I got robbed of all the money. They clearly made another card with my information to take my money after this person that said worked at Chase bank got my information.. Now realizing that Chase never calls you only sends notifications now realizing It was a scammer. I just got off the phone with a claim advisor and they told me that the transaction was chip to chip. I clearly got scammed by this caller. 
On the day of XX/XX/2023 I still had the position of my own debit card ending in XXXX. On the current date and time of all the transactions from the atm of XXXX XXXX and also this transaction of {$470.00} of jewel I was at XXXX XXXX  with my mom mom ( XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX ) from XXXX XXXX  to XXXX XXXX  waiting for my car to get finished serviced. I was waiting for them to put all XXXX new tires on. After I left XXXX XXXX I headed to XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX ) my car got taken in to get an alignment at XXXX XXXX  the car was then finished until XXXX XXXX. At the time I had no other car so I was patiently waiting for my car to be finished at the shops. 
I am a XXXX XXXX that lives with my parents and has to pay college loans. I as an XXXX XXXX XXXX would not spend {$470.00}. You can look prior to that my latest purchases at XXXX were nothing close to that the most was XXXX on XX/XX/2023. I also have a High School Checking Account and I should be able to take out all that money or even purchase all those permission.
Consumer complaint received 2022-06-25
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America has taken over 180 days to complete my claim. My identity was stolen and my unemployment card was sent to an unknown address. Upon learning about the fraud, I immediately report the fraud to Bank of America and filed a claim. This was in XXXX of XXXX, it is now XX/XX/XXXX. I have not received my unemployment. I tried to file my taxes and the IRS is saying I owe them money for unemployment that I have not yet received. I've called to check on the status of my claim almost every week and nothing has changed. Bank of America did send me a letter in XX/XX/XXXX saying they will issue me a temporary credit and that I will see that credit within 48 hours. I never received that credit either. I called about that and no one in the claims department seems to have any answers for me besides, it's still pending..I need my unemployment.
Consumer complaint received 2022-07-18
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. (GA)

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent information from my Credit file. The items I need deleted are listed in the ID THEFT REPORT. I am a victim of identity theft and did not make the charge nor accounts. I have been infroming the Credit Bureuas regarding my situation through written letters with complete attahments of my personal information. But despite all my efforts to have the fraudulent items removed, the Credit Bureuas have failed to comply with tmy requests and the FCRA section 605b. I am frustrated to see that the Credit Bureau have done nothing in order to correct my Credit File. The Experian and XXXX Credit Bureaus clearly violated the FCRA regulation and I am tempted to pursue legal action against the Credit Bureaus. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the Fair Credit Reporting Act Section XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$14000.00} XXXX XXXX XXXX XXXX Balance Owed : {$9000.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$6200.00} XXXX CARD XXXX Balance Owed : {$5600.00} XXXX XXXX XXXX XXXX Balance Owed : {$14000.00}.
Consumer complaint received 2022-06-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

A relative opened a Credit card and Made me a Beneficiary Or another Recipient of this account. A purchase of {$440.00} was made on my behalf in 2018. I was called and harassed numerous of times to the point of having to change my number, i was receiving threat 's of debt collections and a decreased credit score. I've emailed called and written letters To get this removed from my credit report to no avail. They have claimed to resolve the problem and i the consumer just Disagrees
Consumer complaint received 2022-06-25
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. (SC)

In accordance with fair credit reporting act XXXX account XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 
Creditor Information XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Balance {$1400.00} Highest Balance {$1400.00} Opened XXXX XXXX, XXXX ( XXXX yr, XXXX mos ) Account status Open Type Unpaid Responsibility Individual Account. 
Remarks Medical Original Creditor Name XXXX XXXX XXXX XXXX Closed No Info
Consumer complaint received 2024-12-18
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to turn you in to immigration or deport you
Company: Aargon Agency, Inc. (VA)

To Whom It XXXX Concern, I am writing in response to a collection notice I received from your agency on XX/XX/year>. Please be advised that this is not a refusal to pay ; however, I am requesting validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Debt Verification Request : XXXX. Proof of Debt : Please provide a detailed account statement, including the original amount of debt, all payments made on the debt, any fees or interest added to the debt, and the current balance. XXXX. Assignment Contract : Kindly provide a copy of the original assignment contract or any other documentation that clearly indicates that your agency is legally authorized to collect this debt on behalf of the original creditor. This document must show that the debt has been assigned to you and detail the terms of the assignment. XXXX. Permissible Purpose : I am requesting verification of the permissible purpose under which you are attempting to collect this debt. Please provide documentation demonstrating your legal right to contact me regarding this matter. XXXX. Cease and Desist : Until the requested validation information has been provided to me, I am formally requesting that you cease and desist any further contact with me, including phone calls and letters, except as specifically required by law. Please be advised that failure to provide the requested validation documentation within 30 days from the receipt of this letter will result in the filing of complaints with the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ). I am also prepared to pursue further legal remedies as necessary. I also request that any negative information related to this account be removed from my credit report until the debt is validated, as reporting unverifiable debt violates the Fair Credit Reporting Act ( FCRA ). I look forward to your prompt response. Please note that all future communications with me regarding this debt must be in writing and sent to the address noted above. Thank you for your immediate attention to this matter.
Consumer complaint received 2022-06-25
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)

Someone else name appears on my credit report and an unknown address. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ma XXXX I would like to press charges against this individual for fraud
Consumer complaint received 2022-06-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Someone else name appears on my credit report and an unknown address. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ma XXXX I would like to press charges against this individual for fraud
Consumer complaint received 2022-02-07
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: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately
Consumer complaint received 2022-08-02
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. (FL)

This is XXXX XXXX, and I appreciate you taking the time to repair and update some information from my credit report ; however, there's still this certain account that needed to be deleted. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion Credit Bureaus to validate this account ( A ). I hope these disputed accounts are removed : XXXX XXXX Balance : {$2300.00}
Consumer complaint received 2023-08-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (AZ)

Citibank is lying saying that theres no funds owed to me from an account that they closed but I have all my statements and proof that money was transferred from my account ending in XXXX to XXXX on XX/XX/XXXX for the total of {$270.00}. Additionally at this time I had no access to funds so I transferred money to my XXXX account that was completed but later reversed leaving me account negative since I already spent some of the money. All this reflects on my statements from citi bank and XXXX but yet they continue to say no money is owed to me. I just want my money and interest since my check was supposed to be sent XXXX and its now XX/XX/XXXX. What they are doing seems illegal and reading online reviews they are stealing from customers left and right. The customer service agents are outsourced and its impossible to talk to someone who can actually resolve the issue its like playing a game of telephone and just waiting around. They are playing with peoples lives and its not ok!
Consumer complaint received 2023-12-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

illegal accounts on credit report due to Equifax Data Breach. I went to https : //www.equifaxbreachsettlement.com to see if my information was impacted and It stated that I was. Please see attached documents.
Consumer complaint received 2022-09-19
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. (CA)

De

spite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or UPDATE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are wilful non-complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A )
& I will be seeking a legal remedy. 

XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Consumer complaint received 2022-06-25
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. (TX)

Transunion has been denying my request to remove items included in identity theft off of my credit report. these accounts were opened online using my ssn. i have disputed this since XX/XX/2022 and transunion has been verifying fraudulent items without submitting to proper investigation and verification of accounts. Transunion has not acknowledged my federal document that was given to me by the Federal Trade Commission, and has continuously reported items noted to be deleted. These accounts appear as open accounts on my report which is relecting bad on my credit profile. Transunion has also violated my privacy right according to the fair credit reporting act. 

15 U.S.C states that i have the right to privacy U.S.C 1681 section 604A section 2 states that a consumer reporting agency can not furnish an account or my personal information without my written or verbal instruction. 

Transunion has never got instruction from myself to report these erroneous items. 
the following accounts are included in this dispute : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  credit card and 12 inquires that is listed in federal trade commission identity theft report my i.d, proof of address, ssn, and copy of ftc report was mailed to transunion and recieved on XX/XX/2022 via certified mail
Consumer complaint received 2022-06-25
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. (SC)

In accordance with fair credit reporting act XXXX  account XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 
Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Balance {$2900.00} Highest Balance {$2900.00} Opened XXXX. XXXX, XXXX  ( XXXX yr, XXXX mos ) Account status Open Type No Info Responsibility Individual Account. 
Remarks Collection account Original Creditor Name No Info Closed No Info
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX XXXX XXXX ( Capital One Bank ) - {$730.00} Date Opened - XX/XX/2020 In accordance with the Fair Credit Reporting Act my rights have been violated as a consumer Pursuant to USC 15 1681a ( 1 ) Congress makes it clear that the banking system is dependent on accurate and fair consumer file reporting. My file is in fact not accurate nor fair. Without consulting with me first, your company received false information from alleged creditors and debt collectors and furnished my consumer report before confirming if such information is valid. This is indeed unfair credit reporting. 
It is the purpose of the subchapter USC! 5 1681 ( a ) ( b ) that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit in which a manor that is fair and equitable to the consumer. This information is not relevant, fair, or accurate and was improperly used. There were no reasonable procedures meet I wasnt even contacted about this manner.
Consumer complaint received 2023-02-24
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America prepaid debit card division has been blatantly violating federal and state laws that protect consumers such as myself for over the past year by summarily denying legitimate claims all without an investigation. I have filed numerous claims, some fraud related and some due to issues with overseas ATM machines whilst I was travelling. Customer service, when contacted on the telephone, has claimed that there were thorough investigations, but I am positive that this was a lie. When I asked customer service to send me proof and the results of the investigations, they have been unable to i provide a single piece of evidence. I have received numerous 1 page form letters that state that the documentation used to deny my claims were included with said letter, but none were actually ever included, leading me to believe with certainty that Bank of America were denying claims without thought or investigation, and denying me the due process afforded by state banking laws in California and federal laws under regulation E. When I call challenging their contention that no evidence for investigation was sent me, agents literally have no idea what to do, can not confirm anything other than form cover letters were sent me, and they state that they will file a complaint, which they have done many times, but they are never followed up on by any representatives of the bank. I believe that Bank of America is breaking the law, not investigating, and they or their computer systems are denying legitimate claims intentionally in an effort to save money, with the end result being they are stealing money that should have been refunded me. I have all the evidence I need now to file suit in civil court, with evidence of blank letters with no investigative evidence sent me ( attached below ) and I plan on making claim through the courts if I do not receive my refunds or an explanation within 30 days.
Consumer complaint received 2022-06-25
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. (SC)

In accordance with fair credit reporting act XXXX account XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 


Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Overview Balance {$990.00} Highest Balance {$990.00} Opened XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX Closed No Info
Consumer complaint received 2022-06-25
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. (NY)

In accordance with the Fair Credit Reporting act the XXXX Account names and numbers listed, has violated my rights. 
Account Name : XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  account # : XXXX Account Name : XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX  account # : XXXX Account Name : XXXX XXXX XXXX Original creditor XXXX XXXX XXXXXXXX BANK XXXX. 
account # : XXXX Account Name : XXXXXXXX XXXX Original creditor : XXXX XXXXXXXX BANK XXXX 
account # XXXX Account Name : XXXX XXXX XXXX Original creditor : XXXX XXXX BANK USA XXXX XXXX 
account # XXXX Account Name : XXXX XXXX XXXX  Original creditor : XXXX XXXX BANK USA XXXX XXXX 
account # XXXX 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