davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-06
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: JPMORGAN CHASE & CO. (MD)

Chase Bank / Southwest Airlines Card Fraudulent charges on XX/XX/2023 XXXX for {$550.00} and XX/XX/2023 XXXX for {$800.00} both from the XXXX XXXX XXXX XXXX 

On Monday, XX/XX/XXXX, I immediately called Chase Bank and reported the fraud. Cards were cancelled, new cards were shipped second-day, charges were taken off my account. 

On XX/XX/2023, my account shows a charge from that same hotel in the amount of {$600.00}. When I contacted Chase again about fraudulent charges, the representative told me that charge was " from the old card. '' When I asked how that was possible since Chase allegedly closed my original card, I was transferred to another person. That person told me I would need to contact the fraud investigation department, but they wouldn't be in until Monday. Looking at my statement, it shows an " adjustment '' type on the {$600.00} charge which leads me to believe they somehow feel those were legitimate charges, which they can't be because I was nowhere near XXXX or XXXX XXXX on those dates, in fact was in XXXX XXXX at a concert and then XXXX XXXX for a birthday celebration.
Consumer complaint received 2023-08-05
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. (PA)

I am writing to delete the following information in my credit file. The items I need deleted are in the report. I am a Victim of identity and did not make these charges to such accounts. These items are reporting inaccurate to all three reports. I ask that these items be deleted from my credit file. I have enclosed copies of the Federal Trade Commission Identity theft affidavit.
Consumer complaint received 2023-08-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (CO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX You are in direct violation of the Fair Credit Reporting Act ( American Express account numbers XXXX & XXXX. XXXX XXXX account number XXXX, XXXX XXXX ), has violated several of my rights. 

15 U.S.C. 1681 SECTION 602 A. CLEARLY states that I have the right to Privacy.

15 U.S.C. 1681 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C.1666B : A Creditor may not treat a payment on a credit card under an open-ended consumer credit plan as late for any purpose.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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.

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 2023-10-03
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (OH)

XXXX XXXX " continues '' to collect a fraud debt and after much effort and communications as outlined in my previous CFPB complanit XXXX. XXXX not continues to insist XXXX of the XXXX formentioned fraud debts are due and has posted them on XXXX XXXX, XXXX, and XXXX. I spoke with thier collection agency who still insist on my lack of a police report to as reason to continue the collection for a fraud event taking place XX/XX/2018. XXXX XXXX still wants me to pay the Identity theft debt. The amounts in question are : XXXX XXXX XXXX, VA XXXX XX/XX/2018 XX/XX/2018 {$74.00} XXXX and XXXX XXXX XXXX, VA XXXX XX/XX/2018 XX/XX/2018 {$1400.00}. 

I have been harmed by XXXX in that I have applied for and been denied credit for an auto loan.
Consumer complaint received 2023-10-04
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: EQUIFAX, INC. (OH)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2023-10-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (OH)

Subject : Unauthorized Transactions and Request for Temporary Credit Dear Consumer Financial Protection Bureau Representatives, My name is XXXX XXXX, residing at XXXX XXXX XXXX, XXXX XXXX, OH XXXX. I am writing to report a serious concern with my account with Chime, where two unauthorized transactions have been made that I emphatically deny. 

I have approached Chime regarding this matter, but a response or resolution is yet to follow. In accordance with the Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ), I requested a provisional credit during the investigation of these transactions, but this has not been granted. 

Hence, I insist on an immediate refund of the funds unauthorizedly withdrawn from my account, as well as the issuance of temporary credit, which is my right by law during the investigation of this incident. 

I am seeking your assistance in resolving this situation as I am a victim of financial fraud and my legal rights are at risk. I request your intervention to regulate this situation and ensure the adherence to my rights as per applicable laws and standards. 

Thank you for attending to my concern. I stand ready to provide all necessary documents and information for further investigation into this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IN)

LVNV FUNDING LLC
c/o Resurgent Capital Services
XXXX XXXX XXXX XXXX XXXX XXXX  
ARE SHOWING ACCOUNT VERY ODD ON MY CREDIT REPORT TWICE!
RUNING MY CREDIT WORTHINESS WITH IS A VIOLATION TO MY RIGHTS! 

THIS ACCOUNT DOES NOT BELONG TO ME 
SEND VALID DEBT VALIDATION WITH WET INK SIGNATURE AND FULL CONTRACT

I DID NOT GIVE CONSENT TO PURCHASE ANY OF MY PERSONAL INFORMATION 
ACCORDING TO 15USC 1681 1(A)(5)(A)(I)
Consumer complaint received 2023-10-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. DPT EDXXXX XXXX Balance Owed : {$1400.00} ; DPT EDXXXX XXXX Balance Owed : {$920.00} ; DPT EDXXXX XXXX Balance Owed : {$4200.00} ; DPT EDXXXX XXXX Balance Owed : {$9100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$19000.00}.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IN)

The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.
Consumer complaint received 2020-04-27
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. (GA)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately. 

DPT EDXXXX XXXX {$430.00} DPT EDXXXX XXXX {$7100.00} XXXX XXXX XXXX {$470.00} XXXX   XXXX {$0.00} XXXX XXXX XXXX {$470.00} XXXX   XXXX {$1400.00} XXXX XXXX {$770.00} XXXX XXXX {$1400.00} XXXX  XXXX {$2600.00} XXXX XXXX  XXXX {$58.00} XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$6700.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$730.00} XXXX XXXX {$0.00} XXXX XXXX {$360.00} XXXX XXXX  XXXX {$170.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1300.00}
Consumer complaint received 2023-08-05
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: UNITED BANKSHARES, INC. (MA)

See Prior Complaint XXXX, to which said bank was a party and is aware of all details. Subsequent to their response, on XX/XX/XXXX, I emailed the following to which I did not receive a response : Emailed the following recipients at the bank : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX, I am writing to you in response to the second complaint I filed with the CFPB regarding well over {$100000.00} in CD funds that have gone missing. I have attached the complaint response from you. I called the generic number listed on the complaint and obtained your email address as I would like the process well documented. 

I have already sent all the information to XXXX XXXX, cc 'd on this email. She will have copies of the CDs, the bank slip deposits, account numbers, and social security information as it relates to my name as well as my sister 's ( whom I have also cc 'd on this email ). Please have XXXX send you the information as I do not want to forward this highly confidential information yet again. You can begin with a search on my name ; however, I assure you that if you find nothing for me, my sister will authorize that you conduct the same search on her. Note, my name is often spelled without the hypen so all searches should be done under XXXX XXXX and XXXX XXXX. 

I want to make something very clear. This has been a very stressful process, which I have repeated over and over and over again to so many banks and representatives that my head is spinning. This has endured for one year. If this matter is not resolved with an understanding of where these funds went, I will touch base with an attorney that has assisted my family in the past, and consider filing suit for not only the lost funds, but to recuperate any fees involved with legal action and the stress this matter has had on myself and my family. There are no words for how frustrated and angry I have become over this matter and I am at the point that I have decided this is my very last ditch effort to be civil in this matter. 

Please let me know if you have any questions and I will be awaiting your response. 

XXXX XXXX ********* This complaint serves to advise that XXXX XXXX nor XXXX XXXX responded in anyway to this email, and therefore his invitation in his attached response to contact him from the last complaint was baseless and not in good faith. His offering of a general bank number also suggests this. This complaint serves to advise I am contacting legal council as a result of this, as per my above email.
Consumer complaint received 2023-11-21
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. (CA)

I was offered I didn't reprotection for 2 years because it was a data breach. My identification was Leak on the dark web. I tried everything I can to fix the problem. 3 credit freezing services etc..
Consumer complaint received 2020-05-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CARD Corporation (FL)

I paid for transcations by other means and my prepaid card with Card.com was still charged. I orginally contacted the companies and was told I needed to file a dispute with my bank. I filed the dispute with card.com and even provided proof that I paid by other means. The company didn't look at the receipts or properly investigate, they just denied the claim. I know they didn't contact the companies because I was advised by the companies that they were never contacted. They do this every time and this time I'm contacting a lawyer. I've attached the receipts showing I paid by other means. My card.com ends in XXXX and the card that was used for the transactions which were also charged on the Card.com car do not.
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

XXXX is reporting this account inaccurately. This debt has been paid in full. Any remaining balance is due to me the consumer. I am requesting XXXX to refund the full balance of my account. 

Under the Family Educational and Privacy act my financial information should not be shared with anyone. 

I am now opting out of any consent you may think you have.
Consumer complaint received 2023-08-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Avant Holding Company, Inc. (NY)

I applied for a credit card with Avant around XXXX XXXX. The card was activated if XX/XX/23 without me having ever received the card. I alerted the credit card company and was issued a new card. I activated the second card on XX/XX/23 and to my surprise the credit card account was already maxed out. There were purchases made at XXXX on XX/XX/23 which would have been impossible for me to do considering I hadnt ever received the first card. Plus the charges say they were made in XXXXXXXX XXXX. I can account for my whereabouts on XX/XX/23 my timesheets at my job can show that I was in fact at work and I have no means of transportation to get to NJ, thus it wouldve been physically impossible for me to make those charges. I contacted Avant numerous times here are some of the following dates of when I reached out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, etc. I also contacted each credit bureau to report the fraud and alert them that the card although it was in my name it was in-fact not my card considering I never received it and that there were fraud charges. The company refused to refund the charges on the account and had continued to tarnish my credit via reporting that I have not paid the minimum and in addition to that, that the card is over the limit. I have worked tirelessly over the years to repair my credit and can not understand how they can be allowed to get away with such fraud. In addition to all of this, they began verbally harassing me, calling me multiple times a day demanding I set up a payment and refusing to acknowledge that I have been robbed of my credit card and that there is fraud on my account. I have gotten into multiple verbal altercations with them, and will be filing a police report today ( XX/XX/23 ). This company is extremely unreasonable and I will sue them if I have to. These charges are fraudulent that are on the card, and it seems like they have something to do with it considering they did not find any evidence of fraud after I called and made several allegations.
Consumer complaint received 2019-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (GA)

I have mailed a letter to American Express asking to close the credit card account ending in XXXX. For one there are outrageous late fees being applied to the account and I dont even know what the exact charges are. I have even had a balance transfer to try and resolve an issue with American Express. The balance transfer doesn't show any charges what so ever. I have also asked for a payment plan and sent monthly payments however those payments have not been acknowledge and they have went as far as to post this on my credit. I also have reason to believe that someone other than me is trying to access this credit card account. A man at XXXX XXXX XXXX ( manager ) in XXXX, GA even thought the credit card was maxed out which was very strange as to why would someone automatically assume they know about someones financial situation. A letter had already been written to close the account and was no longer being used. American Express continues to double to the fee by XXXX every month and they act as if the account is still open. It is getting out of hand. I have reason to believe that someone is still trying to add charges to the account. I have also had an issue with payments not being posted to the account after being sent. I also had problems with the account balance not being updated after payment has been sent.
Consumer complaint received 2023-10-02
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. (NY)

This hard inquiry is fraudulent I didnt authorize it XXXX XXXX XXXX XXXXXX/XX/2023 please delete it from credit report.
Consumer complaint received 2023-07-31
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. (FL)

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX IN XXXX Balance : - XXXX XXXX XXXX, XXXX. XXXX Balance :- XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - JXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy discharged Date filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX 2023
Consumer complaint received 2023-10-04
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.