davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-03
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (FL)

" I am disputing the debt they are attempting to collect, as it is a result of identity theft. I have filed a report with law enforcement and have a case number. Please cease collection activities and provide me with the necessary information for your records. Thank you Unfortunately I dont have any account numbers but I can see a open balance with Jefferson Capital system for the amount of {$3900.00} from original account XXXX backed a few years ago in which the account was opened fraudulently.
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (KY)

Account has been closed for 13 years and school closed down its still reappearing on my credit and impacting my credit score. They keep sending it to different collections and its supposed to be removed of my account
Consumer complaint received 2023-10-01
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Dave Operating, LLC (OK)

I am in a roommate situation. I believe a roommate to have gotten in my purse and stolen things such as cards or account information in order to steal money from my accounts. About the same time my phone was hacked and the XXXX play app to this company " XXXX '' as well as my government XXXX XXXX card used to get XXXX payments were stolen and a large amount of money taken. When I called who I thought was customer service and requested simple info like where the transaction history in the app was or to dispute the irronius charges they refused to do so. Claimed I was not verifying my identity because I had changed addresses. I was and still am able to open the app. But somehow unable to do simple things like change my address. See purchase history. Actually get any logical answers from " live chat. Etc. 
Clearly the person 's are not legitimate business people and are diverting my attempting to get stolen money back. Please help.
Consumer complaint received 2023-10-03
Product: Checking or savings account — Other banking product or service
Issue: Improper use of your report — Reporting company used your report improperly
Company: NORTHWEST BANCSHARES INC (PA)

I received a text from supposedly northwest bank. 

NorthwestBank A transfer of {$650.00} was debited from your account. To check status click the link XXXX/Northwest To review or Decline immediately. 

The phone number it came from is XXXX ( XXXX ) XXXX. 

I do not even have a northwest bank account to begin with. This is defiantly someone phishing for information. I did not click the link because I should not have to if I do not even have a northwest account. I will be monitoring my regularly used accounts for suspicious activity.
Consumer complaint received 2023-10-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

A fake bank that does not say what type of account sent a random charge of {$560.00} was processed and sending a random link to see if it wasn't me to make changes to my supposed account. The number came from a random text message with an unknown phone number. The phone number was replaced with the supposed bank that I never made an account to. It leads to an address of XXXX which is not a phone number and probably not a real bank. I received the message on Sunday XX/XX/2023 at XXXX mountain time. I also have the message they sent to me and I'll post this below ( Alerts ) A deduction of {$560.00} was made from your account? Not you, click XXXX to cancel. 

No way am I clicking that link they sent. I was going to file the report to FTC but they brought me here. And they left no traces of a phone number. I'm going to screen shot the message and block the number from whatever number it came from
Consumer complaint received 2023-10-03
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)

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 2023-10-01
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)

I am writing to bring to your attention a matter of great concern, one that touches upon both my rights as a consumer and the unique challenges I've faced as a XXXX single mother in America. This issue pertains to the accounts listed below that have infringed upon my federally protected consumer rights under 15 USC 1681 : The accounts in question are as follows : XXXX. Account name : XXXX XXXX Bankruptcy # XXXX XXXX. Account name : XXXX XXXX  Bankruptcy # XXXX XXXX. Account name XXXX XXXX XXXX Bankruptcy # XXXX XXXX XXXX Account name : XXXX XXXX Bankruptcy # XXXX XXXX. Account name : XXXX XXXX Bankruptcy # XXXX The Fair Credit Reporting Act ( FCRA ) safeguards my right to privacy, as outlined in 15 U.S.C 1681, section 602 A. I believe that this privacy is not just a legal right but also crucial for my personal well-being, given the challenges I face as a single mother.

Furthermore, 15 U.S.C 1681, Section 604 A, Section 2, emphasizes that a consumer reporting agency can not furnish an account without my written instructions. This requirement is especially important to me as it ensures that I have control over my financial information, which is essential for providing a better future for my children.

Additionally, 15 U.S.C 1681c ( a ) ( 5 ) restricts consumer reporting agencies from including certain adverse information in my consumer report beyond a specified time frame. Inaccurate or outdated information can be particularly damaging to someone in my circumstances, as it affects my ability to secure a stable living environment for my family.

Lastly, in accordance with 15 U.S.C. 1681s-2 ( A ) ( 1 ), it is fundamental that the information furnished to consumer reporting agencies must be accurate. Inaccuracies in my credit report not only harm my financial standing but also create additional hurdles for me as a single mother striving to provide the best for my children.

I would like to stress that these errors and inaccuracies have compounded the challenges I face as a XXXX single mother in a country that still grapples with issues of XXXX equality. The difficulties I've encountered in obtaining suitable living conditions for my family have been exacerbated by these inaccuracies. 

I kindly request that you review these accounts, taking into consideration not only the legal violations but also the personal struggles that these inaccuracies have brought into my life. Your support in addressing these issues is not only important to me but also to countless others who may be facing similar challenges.
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: Experian Information Solutions Inc. (TX)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2023-10-03
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: Experian Information Solutions Inc. (NY)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX  XXXX XXXX : {$780.00} XXXX  XXXX XXXX  Balance : {$290.00} XXXX  XXXX XXXX  Balance : {$0.00}
Consumer complaint received 2023-10-03
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)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and to give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove the accounts which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned about : 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 2024-10-28
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. (CA)

I never consented any line of communication.

This account wasn't on my credit report and appeared out of nowhere!

Decreasing my score an extreme financial hardship took place after!

15 U.S Code 1692c Communication with debt!

1 - U.S. Code - Unannotated Title 15. Commerce and Trade 1. Trusts, etc., in restraint of trade illegal ; penalty. Every contract, combination in the form of trust or otherwise, or conspiracy, in restraint of trade or commerce among the several States, or with foreign nations, is declared to be illegal.
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Equifax is reporting false information. XXXX XXXX XXXX is a creditor for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-01
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

I am filing a complaint to you about the negligence that I was subjected to by the Bank " Chase '', which caused me XXXX  and XXXX damage to me and my family due to a lack of sense of security for ourselves, especially as we are a XXXX XXXX family of XXXX XXXX and we are not sufficiently aware of our rights in this country, but we are sure of the rule of law and respect for our constitutional rights and we are sure that the law will give us consideration and we demand the bank compensation. 
As I received a phone call with a number XXXX ( XXXX ) XXXX from a lady named XXXX and she stated that she works at Chase Bank and asked me if I had gone to the bank 's located at the following address XXXX XXXX XXXX XXXX and Asked me if I withdrew money from my account by submitting a bank check bearing my name for XXXX dollars and my answer was no, since on the same day I was present at the bank 's pumpkin located in XXXX XXXX with a bank employee named XXXX.To open an account for my wife, so XXXX XXXX told me that someone has the same identification card with my name and with a check in my name and presented it to the bank employee and received an amount of XXXX dollars from my account and she told me to go the next morning at the same branch where the problem occurred and submitted a the police report someone had a fake ID card with my name, and he withdrew a sum of money from my account, and I changed my bank account number after that on the morning of XXXX XXXXXX/XX/XXXX, I made a deposit in My account is in the amount of XXXX dollars and I was surprised on XXXX morning that the amount of XXXX dollars was debited by the bank. 
When I called the bank 's customer service by phone to complain about what happened, the response was that your account would be permanently closed and this amount of XXXX dollars frozen until the matter is investigated, and until today, XX/XX/XXXX, the amount stolen from my account has not been refunded, causing me to delay paying the rent of the house that my family and I live in .I was surprised to find a mail from the bank demanding me to pay XXXX checks, XXXX for XXXX dollars and the other for XXXX dollars, as they are checks that do not have a balance, and the signature of them was not my bank signature so that not my mistake so that I attached with the complaint are copies of the police report and checks, and the matter is now referred to you to help me in the damage that happened to me and my family It is clear that anyone who goes to the bank with a fake identity card and takes money goes in peace and security and the one who is blamed and closes his account is the bank customer.
Consumer complaint received 2023-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (SC)

I called my bank on Friday, XX/XX/XXXX to inquire about an issue I was having. Instead of getting the bank, a scammer answered. My bank is Chime. The scammer had all of the bank 's processes to help me and after all, I had called my bank 's phone number so why would I doubt the person that answered being anything other than a Chime representative. I gave him the information he asked for and he stole all of my money. I am XXXX XXXX XXXX  and have no other money.
Consumer complaint received 2024-03-22
Product: Credit 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: Chime Financial Inc (NJ)

CFPB : YOUR FINAL WARNING FALSELY MARK MY COMPLAINT AS A DUPLICATE ONE MORE TIME AND I WILL BE TAKING SCREENSHOTS OF MY COMPLAINTS AND WHAT YOU DID WITH THEM AND FILING A COMPLAINT TO THE OFFICE OF INSPECTOR GENERAL ( OIG ). SO GO AHEAD, DO IT ONE MORE TIME ATTENTION CFPB : THIS IS NOT A DUPLICATE COMPLAINT. XXXX has absolutely nothing to do with XXXX. First of all, these are claim numbers that Ive never reported to the CFPB before. Notice the XXXX at the end of each one?? XXXX XXXX, and XXXX XXXX. These are only from last month, so theres no possible way this can be a duplicate complaint. Pay attention. Also look at the documentation I attached to the complaint Completely different than the documentation from the initial complaint. Again, pay attention Secondly, theres a reason why theyre the same claim numbers but have XXXX  with a dash and numbers after them. Because the reason for dispute is completely different than what it was before, which is Paid for by other means, whereas before it was Defective merchandise. Hence, New Claims. So again.. Pay attention!!! Now thanks to your negligence, nothing was done with my complaint for more than XXXX weeks and now I have to start all over again!!! 

Chime has once again disgracefully mishandled and denied my disputes Claims XXXX XXXX, and XXXX XXXX. Both were filed under Paid for by other means, and I sent them a clear bank statement for all charges in question, which show and prove that the merchant charged both of my credit cards for all three transactions, hence why I filed the disputes and under Paid for by other means. I also just wasted a whopping XXXX minutes on the phone with them arguing with a supervisor that wasnt making any sense, saying that the merchant provided them with so-called compelling evidence for both disputes, which was why they denied them. XXXX, thats what that is. There is literally nothing they can respond with that can argue statements from my other bank showing the same exact charges from them on the same exact day. Bank statements overrule everything. There is only XXXX reasonable explanation to Chime denying my disputes, and that is because they are afraid of getting sued by a big corporation So thats nice. Cardholders can never dispute a charge against a big company just because Chime is afraid of them. That is not my problem. They can take the funds out of their own pockets then. If I do not get these transactions posted back to my account, this complaint will remain on file, and I WILL sue Chime for the funds, after being negligent with my disputes!!!
Consumer complaint received 2023-10-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: McCarthy, Burgess & Wolff, Inc. (WA)

McCharthy, Burgers & Wolff sent me a letter with a. Total amount of debt of XXXX when I called they wouldnt give me any info other that they said I stayed at the XXXX XXXX XXXX and I owe that money. I just had an XXXX account number that was provided to me from the letter they sent. I contacted XXXX they found out someone did a reservation online for dates XX/XX/XXXX to XXXX with an XXXX XXXX card and using my info address to open an account with them and email address different than mine. So I explained them that I got my driving license and XXXX XXXX card stolen on XX/XX/XXXX and that card that they used to do reservation was already cancelled same day. 
I didnt do any reservation and I was in XXXX XXXX XX/XX/XXXX to the XXXX. I tried to contact collection company by email attaching police report, credit card email solving problem and agreement of disputing the charges in my XXXX card, issuing me a new card, and my new driving license issued date But just the email they provided doesnt work and my emails got refused to send.
Consumer complaint received 2023-10-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CO)

I set up auto payments on the website. The first payment was due XX/XX/XXXX and wasnt pulled. The website showed I was late on my payment on XX/XX/XXXX. I tried making a manual payment on the website and it wouldnt go through as the website was broken per usual. Finally got someone on the phone and they submitted the payment for me. They reassured me that I wouldnt get charged twice but I ended up getting charged twice. I want a refund for my 2nd payment
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. (FL)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 2023-10-03
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: AMERICAN EXPRESS COMPANY (FL)

To whom it may concern, I am writing to dispute an unauthorized inquiry on my credit report. On XX/XX/XXXX American Express pulled my credit report and noticed a credit inquiry that I did not authorize. I contacted American Express regarding the unauthorized inquiry and requested that they remove the inquiry from my credit profile. At this time, I am requesting that you launch an investigation into the inquiry by American Express Name to determine who authorized it. I never authorized this company to pull my credit profile. I am requesting that it be removed from my credit report and an updated copy of my credit report be sent to the address listed above upon resolution of the investigation. please send me proof along with a description of your investigation procedures within 15 days of the closure of this dispute. 
Thanks in advance for your assistance with this matter.
Consumer complaint received 2023-10-03
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. (IL)

Over a year ago i I pulled my credit so that I could prepare to buy a home for me and my children and noticed that there were inquiries on my reports that I did not recognize. I immediately contacted all 3 bureaus to notify them that I had been a victim of identity theft. In XXXX  my car with all my things were stolen and in XXXX my purse was stolen with valuable information in it. I noticed addresses attempted bank accounts and inquiries and disputed them all several times. Trans Union has yet to removed the inquiries and this is really hurting my reputation and my family. I recently disputed them again with the frauds department after my fraud alert had been in place more than a year and they are still giving me a hard time.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was out of the country for 5 years prior to that I was also XXXX overseas XXXX / XXXX. upon my return I found my identity was stolen. I hope I can get my life back as soon as possible please Sincerely XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: AMERICAN HONDA FINANCE CORP (AL)

I applied for an auto loan with the company and was told that the my report could not be pulled because I dont not have any credit and then that my credit report had negative items on it that would prevent me from getting the vehicle. According to the Federal Reserve Act, the application is the collateral security and I did not receive anything for my application.