davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-01
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. (IN)

I hope this letter finds you well. I am reaching out to challenge an inconsistency found under the " XXXX XXXX '' section in my credit report. This relates specifically to the account listed below which has been categorized as charged off : XXXX XXXX XXXX : XXXX is showing my last payment date was XX/XX/XXXX and I've never been XX/XX/XXXX days late if that's true then why did my car get reposssesed because of late payments? 

XXXX XXXX XXXX : XXXX is showing my last payment date was XX/XX/XXXX and I've never been XX/XX/XXXX days late if that's true then why is this charged off as bad debt still on here? 

Upon thorough review of my credit report, I noticed that this charged-off account is persistently reported as maintaining an active XXXX payment history. This is not accurate and consequently, in violation of the Fair Credit Reporting Act ( FCRA ), as it erroneously influences the statute of limitations. 

Under the stipulations of the FCRA, the Fair Debt Collection Practices Act ( FDCPA ), and XXXX XXXX compliance guidelines, I am entitled as a consumer to have accurate representation of all details in my credit report. With these consumer protection laws in mind, I respectfully request that you rectify this mistake by deleting the incorrect data from my credit report. Following the completion of this, kindly supply me with an updated version of my credit report that reflects the required corrections. 

As a consumer, it is my right to have access to precise and current information on my credit report. I anticipate all credit reporting agencies to uphold this obligation, in alignment with the FCRA and other applicable XXXX XXXX Laws. 

In light of this apparent oversight, I implore you to immediately expunge this inaccurate information from my credit report. Upon completion of this correction, please provide an updated version of my credit report for my review. 

I appreciate your prompt attention to this crucial matter.
Consumer complaint received 2023-12-01
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Foris DAX, Inc. (ME)

Crypto.com closed my account back in XXXX XXXX XXXX. I asked them why, they would not tell me. I had a visa card with them that was issued by XXXX XXXX XXXX  and a return that was processing from XXXX to the card. After the money for the return went onto the card, I asked crypto.com how to get my money out of the card, since it's closed. I told them they can send it to my linked bank account, or they can send me a check, or send me crypto. Since then, they have been essentially ignoring my emails and calls. Withholding my {$1200.00} from me.
Consumer complaint received 2023-12-01
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 (IL)

I hope this email finds you well. I am writing to bring your attention to a critical issue regarding a pending chargeback related to a transaction on my account purchased using the Chime debit card. 

The transaction involves a merchant that, unfortunately, engaged in misrepresentation of goods, committed merchant fraud, and mishandled the return process. The gravity of this situation extends beyond a mere financial dispute, as it has severe implications on both consumers and the integrity of your banking service. 

Chime has not looked into the documents, which include the merchant saying I did return the item and services were not rendered. I was within the 14 day period and I was not refunded any amount back on my Chime card and I have reached out and waited since XX/XX/XXXX. I ask Chime to investigate and follow up on errors that that the app has when submitting documents and the lack of customer service and effort in helping me get my money back is beyond disappointing.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: STATE EMPLOYEES CREDIT UNION (NC)

State employees credit union shared my account information with out my consent XXXX opened XX/XX/ XXXX XXXXXXXX opened XX/XX/ XXXX XXXXXXXX opened XX/XX/ XXXX
Consumer complaint received 2023-12-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
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 2023-12-01
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (MN)

I purchased a NetSpend debit card in XX/XX/2022 but never activated it. I tried to activate it today and they told me it had been XXXX  out. They could not tell me what happened to the {$200.00} that I put on it when it had never been turned on. I requested a call back from a supervisor but I haven't heard from anybody and I probably won't.
Consumer complaint received 2023-12-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (VA)

Please see the attached Formal Complaint Against XXXX XXXX XXXX XXXX  ( dba ) XXXX XXXX, and XXXXXXXX XXXX XXXX XXXX XXXX  ( dba ) in Virginia as XXXXXXXX XXXX XXXX XXXX  dated XX/XX/XXXX XXXX
Consumer complaint received 2023-12-04
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. (TX)

I would like my credit report to be cleared of unauthorized credit inquiries. I got a copy of my credit report and saw inquiries on it that I had not authorized. Here is a list of them. 


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 XXXXXX/XX/XXXX
Consumer complaint received 2023-12-04
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. (NJ)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Consumer Adjustment Company Incorporated (GA)

I have been a victim of identity theft and accounts were opened fraudulently by utilizing my personal data. Im highly upset with the level of inaccurate thats being display on my good credit. All I do is work and care of my home, so there was never a need to add any of these consumer accounts to my consumer report. I wish to have this matter resolved and removed immediately. Ive filed a criminal case with the police department regarding this matter. Documents are attached to this complaint.
Consumer complaint received 2023-12-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (MD)

I have been carrying a credit card XXXX XXXX from Wells Fargo. Since I travel Overseas a lot and have sporadic times where I can only use my international credit cards, Wells Fargo banker told me that I can always use my XXXX XXXX rewards and transfer to accounts as needed if I have no or less use of Wells Fargo local ( within XXXX only ) credit card. My card service made no attempt to call me or email me and sent a letter which is non certified and misplaced by my local post office which asked me to use card otherwise it will be cancelled. I was traveling at that time so upon my return I have been communicating with Wells Fargo multiple times. The rewards dept told me around {$250.00} reward is on hold and it can be transferred to another existing credit card or account within Wells Fargo. But when I approached their escalation team through XXXX XXXX XXXX  they have been continuously refusing my request to Retrieve my hard earned reward $ and transfer this to my existing Wells Fargo credit card which I have applied and got immediate access to, during all these futile Communication with Wells Fargo bank so that they can easily transfer my help up rewards point from my closed card to my existing credit card. But the customer service is absolutely heedless to hear my concerns/fails to communicate and unethically forfeited my rewards without any effective electronic communication although they have my email, valid phone numbers on the file!!! Pls help ASAP to help retrieve my rewards funding on hold for transferring to my Existing Wells Fargo rewards card. Most banks issue a check for accumulated rewards but this bank did not honor my banking and card using relationship and unethically closed my card, forcefully forfeiting my well earned rewards! Pls help.
Consumer complaint received 2023-12-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: JPMORGAN CHASE & CO. (NY)

This case involves a mortgage and foreclosure threat, identity theft, credit card fraud, cross border transactions, and financial abuse. It involves Chase, XXXX XXXX, and XXXX, among other institutions. 

1. I own a home - XXXX XXXX XXXX, XXXXXXXX XXXX XXXX - and am on the title and deed. The co owner of this home, XXXX XXXX XXXX, refuses to inform me of the status of his mortgage and several banks have threatened to foreclose on our house. After paying XXXX XXXX to stop the auction of our home, I discovered that XXXX XXXX had been sending XXXX XXXX checks while threatening to foreclose. I do not know the status of XXXX XXXX Mortgage and of the home financing and insurance, and the divorce court in XXXX can not help. Index number is XXXX. I do not know where to turn. 

2. Several trespassers have appeared on the property above stating that they were with the bank or looking at notices on my door, including XXXX XXXX XXXX tonight. 

3. There have been outflows from a marital 401k acount at XXXX XXXX to chase - to XXXX XXXX chase account and then to XXXX XXXX XXXX who resides in the XXXX and XXXX, upon belief. 

4. XXXX XXXX also opened a Chase credit card account under my name and social security number without my knowledge and authorization ( as already reported to the CFPB ) and after this was discovered, Chase refused to provide details to my attorney ( XXXX XXXX XXXX. My credit score has been negatively impacted by both the potential foreclosure of my home and by the fraudulent chase credit card account. 

I am in finance and would like advice on how to resolve these issues, so that my career and reputation are not impacted.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

On XX/XX/2023, Equifax received a notice of dispute to reinvestigate inaccurate accounts that are currently reported on my consumer report. It has been 14 days since Equifax have received my letter and nothing has gone into investigation. Nothing has happened. The accounts in question are hereby disputed. Equifax has violated the Fair Credit reporting Act per 15 USC 1681d ( b ) and 15 USC 1681e ( b ). Equifax is now liable per 15 USC 1681o Civil liability for negligent noncompliance.
Consumer complaint received 2023-12-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( XXXX ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. I am seeking urgent assistance in addressing a critical matter. Upon reviewing my credit report, I observed an inaccurately listed entry under the collections section. I previously sent a letter to XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), seeking validation of the alleged debt associated with account # XXXX. Unfortunately, I have not received sufficient evidence to confirm the legitimacy of the reported debt. While they provided a document indicating the balance, it falls short of establishing my obligation to this amount, as I have no record of such a debt with this company. Despite my efforts to obtain validation from the collection agency, I have faced challenges. Therefore, I kindly request that you thoroughly verify the accuracy of the information pertaining to this account. Additionally, I seek details on the verification procedures you employ, including the identities and contact information of the parties you consulted for verification.
Consumer complaint received 2023-12-04
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. (NJ)

15 US Code 1605 " Definition of a FINANCE CHARGE '' OFF OFF XXXX XXXX Truth in Lending Act Regulation Z 15 US Code 1662 Advising of down payment and installments 15 US Code 1635 Right of Rescission The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.
Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system My information was used without my consent which created accounts that im not aware of. Under 15 us 1681c-2 these items must be remoled.

Remaining Inquires According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2023-12-04
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: General Motors Financial Company, Inc. (CA)

I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. Upon reviewing my credit report, I noticed that the account shows a negative payment status, specifically indicating that it's 30 days late. I would like to formally request that you furnish me with the proof of this late payment. If unable to do so, I kindly ask that you remove the negative payment status associated with the account. Your prompt attention to this matter is appreciated, and I respectfully request that you conduct a thorough investigation in line with the Fair Credit Reporting Act. I would appreciate it if you could provide me with the results of your investigation and an updated credit report reflecting the necessary corrections within 30 days of receiving this letter. GM FINANCIAL XXXX.
Consumer complaint received 2023-12-04
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. (NC)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (IL)

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 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report. Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed below. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK (ID)

I hope this letter finds you well. I am writing to express my concern and disappointment regarding the recent experience I had with your bank. I appreciate the services provided by your esteemed institution, but unfortunately, I encountered a situation that has left me dissatisfied. I believe in the professionalism and competence of your bank, and I understand that errors can occur occasionally. However, it is crucial for customers to receive accurate and comprehensive information, especially when it concerns their financial matters. I kindly request your prompt attention to this matter and a thorough investigation into the misinformation provided. Moreover, I would appreciate it if you could take the necessary steps to ensure that such incidents do not recur in the future. 
DISCOVER BANK XXXX If there are any specific procedures or channels I need to follow to rectify this situation, please provide guidance accordingly. I value my relationship with your bank and hope that we can resolve this matter amicably.