davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-07
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: EQUIFAX, INC. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXXXXXX XXXX, DC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX, XXXX XXXX XXXX Balance : {$1700.00}, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX DC XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$24000.00}, ( Original Creditor : XXXX XXXX XXXX  ) Balance : {$10000.00}, XXXX XXXX XXXX Balance : {$1700.00}, XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2016-05-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NV)

I sent a method of validation letter to Experian regarding an account that is listed on my credit report. The letter that I sent to Experian is attached. Experian did not answer the questions in my letter and has n't removed the account from my credit report. Experian sent me a copy of my credit report. If they are unable to properly respond to my letter the account should be immediately removed from my credit report.
Consumer complaint received 2023-08-01
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. (FL)

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

Date Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

old information has remained on my report after requesting it be updated and i submitted my new information to all 3 and now i am getting multiple emails from the places they sold my personal info to.

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 XXXX XXXX DEPARTMENT OF EDUCATION ( CLOSED ) XXXX XXXX  XXXX XXXX XXXX ( CLOSED ) XXXX XXXX XXXX XXXX ( CLOSED ) XXXX XXXX XXXX XXXX ( CLOSED ) i did not give them any written instructions saying that they could publish collections from an old acct that was charged off years ago and i have requested a copy of any contracts that i have signed with the collection agency and they did not supply me with that information, but its still on my report. 

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.

they all are reporting inaccurate addresses, employment, accounts, late payments etc. i have not given written permission for any of these things to be published or shared.

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 2023-08-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (KY)

Someone made fraudulent transfers of money from my debit card using Moneygram. I contacted the debit card issuer and the police to report the fraud. I was instructed by the police officer investigating the case to get a phone number so he could reach Moneygram to discuss the fraud so criminal charges could be made against the person responsible. I was told by representatives of the company including a fraud department supervisor that I would need a subpoena to get any information regarding the transactions made that totaled over XXXX dollars on my card. I asked for a number that the law enforcement officer to call so that the subpoenas could be sent and they told me to have him call the main number. He called the number and was told that he couldnt get any information without my consent which I had already given on a recording. They refused to even give me an address to send the subpoena. I spent well over an hour on the phone with them and asked them if they were documenting this and if this fraud complaint would be documented and was told it was not. I am so frustrated with this whole process when all I am trying to do is get those responsible for the fraud prosecuted.
Consumer complaint received 2023-08-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (TN)

I have been a victim of a scam, I was offered investment services, but they turned out to be fake. I transferred the funds from my bank ( XXXX XXXX, XXXX XXXX  ) to the crypto platform ( crypto.com ) and then they were supposed to go to my trading account ( XXXX  ) but in reality, they were stolen from me. I did try to approach my bank and crypto platform but they never replied to me in satisfactorily. I provided them proof that the funds were transferred to shady wallets which could have been avoided if they acted promptly. 

I can provide all the letters I have sent and emails I got in return. 

Thank you and Regards P.S. 

All money wire is transferred from my banks to Crypto.com directly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is part of a scam organization as the external wallet reflect multiple transactions.
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (NV)

I was unlawfully denied my own credit under 15 USC 1611, 12 CFR section 1002.4, 15 USC 1681 ( a ) & ( b ). 

Not only were my consumer rights violated on XX/XX/XXXX, I was unlawfully denied on XX/XX/XXXX & my credit was impacted for over two years due to a derogatory report on my credit. 

I would like to receive written notice from CARECREDIT underwriter listing of all the factors that were involved in this consumer transaction.
Consumer complaint received 2023-08-01
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX  XXXX XXXX {$410.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX - {$0.00} XX/XX/XXXX XXXX XXXX XXXX IL XXXX XXXXXXXX XXXX XXXX XXXX IL XXXX XXXX
Consumer complaint received 2023-08-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: M&T BANK CORPORATION (NY)

My checking account at M & T Bank had unauthorized transactions on XX/XX/2023. The bank notified me of suspicious activity on that day and I immediately contacted the branch to dispute the charges and cancel the card that presumably caused the hack. The total unauthorized charges were {$150.00}. On XX/XX/2023, {$35.00} of those charges were refunded by the vendor. On the same day, the bank issued a provisional credit of {$110.00}. At that point, the account was made whole for the unauthorized charges. However, on XX/XX/2023 the bank reversed {$35.00} of the provisional credits, leaving the account short in that amount. 

I have called the bank and visited the branch several times, most recently today, to attempt to have the credits restored but there has been no explanation or action. I have received no further correspondence from the bank. 

The 45 day period for resolving the dispute has passed, the provisional credits appear to remain provisional and remain less than the disputed charges with no explanation provided.
Consumer complaint received 2023-08-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (DC)

I purchased a XXXX  XXXX XXXX from XXXX XXXX XXXX in XXXX, PA on XX/XX/XXXX, with {$4100.00} in cash and financing the rest of the amount at a rate or 4.9 %. The contract stated that our first installment would be due on XX/XX/XXXX. 

After weeks of no communication, I reached out on XX/XX/XXXX to Honda Finance to inquire why I had not received any welcome mailer or account information. Honda Finance told me that they never received any paperwork for the car and no loan exited. 

I then called the dealership, XXXX, on the same day to no avail. After calling for another week, a finance rep at the dealership, XXXX XXXX, finally responded on XX/XX/XXXX and told me that the finance rep who had initially handled our account had filled out an expired form -- and apparently never attempted to correct it, send it in or contact us about the issue. XXXX said he would express mail a new contract for us to sign, on the correct paperwork. 

We received the new contract on XX/XX/XXXX and after talking to XXXX about some discrepancies, we signed and returned the contract on XX/XX/XXXX. XXXX tracking indicates that XXXX received the contract on XX/XX/XXXX. I emailed XXXX that day to let him know that the contract had been delivered and received no reply. 

On XX/XX/XXXX, I emailed XXXX again to inform him that 1 ) Honda Finance still did not have an account registered to us and 2 ) the titling company the dealership was using for our registration and tags had informed me that XXXX never sent them payment or paperwork. The dealer plates would expire on XX/XX/XXXX and I asked XXXX to send us new plates and confirm that XXXX had mailed the signed contract to Honda Finance. 

It is now XX/XX/XXXX and I have not heard back from XXXX. Honda Finance indicates that there is no account associated to either the VIN or my or my husband 's SSNs. Our payment, per our contract, is due today supposedly but we are literally unable to pay it because there is no account. 

As I have told XXXX, it is frankly ridiculous that I am the one trying to figure out how pay them.
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I disputed a collection account with Experian from a subscriber XXXX XXXX and the CRA alleges they verify said account as accurate however refuses to provide the requested information per FCRA that I requesting relating to the debt in dispute. This account does not belong to me nor do I have an account with the original creditor listed which is XXXX XXXX. I requested the method of verification, the person contacted to verify, and the documentation provided to verify this debt and Experian refuses to provide this information and continues to violate my consumer rights that require accurate and complete information be reported in my consumer credit report.
Consumer complaint received 2023-08-01
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$410.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX - {$0.00} XX/XX/XXXX XXXX XXXX XXXX IL XXXXXXXX XXXX XXXX XXXX XXXX  IL XXXX XXXX
Consumer complaint received 2023-08-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (OH)

Hello, I am filing this complaint due to Chase unjustifiably and suddenly closing my account and therefore causing me a large number of issues. I would also like to point out this company ( JP Morgan/Chase ) did NOT make any attempt to reach out to me about my checking account being closed. Instead, they locked my online banking account and sent me an email asking me to " sign in '' to check my messages in the online banking account. See the issue with that? Anyhow, the main issue I am currently struggling with is my car payment to XXXX XXXX being reversed after I initiated the payment with funds from my checking account with Chase. This payment was already due on XX/XX/2023 and as I am writing this, it is currently XX/XX/2023. This will affect my credit negatively, and thus, throwing me farther into what seems to be a recurring cycle in America regarding banks taking advantage of American citizens like myself. Upon opening the account, I was also promised {$200.00} USD upon my first direct deposit. I think it is no coincidence that well after I had made my first direct deposit, the account was closed by Chase. I spoke with 6 different agents over the phone ( calling from XXXX ) and I spoke with three employees at two separate branches in XXXX, PA yesterday ( XX/XX/2023 ). At this time, I am considering contacting my lawyer to pursue a settlement for the stress caused and the financial hole I have sunken into all because of Chase deciding to close this account, but I am more than willing to give them a chance to make this right. They are telling me ( after making me go into 2 different branches for absolutely no reason after claiming I would be able to retrieve my funds, wasting gas money and energy ) that they will not be able to provide my funds until XX/XX/2023 and that it can only be mailed to me as a check for the amount. I would like the {$200.00} that I was promised upon opening the account, as I completed all activities that were required to receive this payment, along with the {$780.00} that they owe me from my balance when they closed the account. To clarify, I have spoken to a total of 9 different employees that work for JP Morgan/Chase and they have all told me different things but most of all had come to the conclusion that Chase was unwilling to expedite my check in the mail, despite me possibly losing my vehicle to repossession due to this inconvenience they are causing me, which would then also sink me more into debt and ruin my credit score. Please, help me resolve this. With all of that being said, an expedited check in the mail or the option to retrieve my funds, a total of {$980.00} including the bonus offer of {$200.00} I was supposed to be given, would resolve this for me. If my car is repossessed, I will be forced to take legal action on this bank. Thank you to everyone at the CFPB for all of the help they offer.
Consumer complaint received 2023-08-01
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. (PA)

Subject : Request for Removal of Derogatory Accounts Based on XXXX 's Investigation On XX/XX/2023, I received communication from XXXX stating that they conducted an investigation into certain derogatory accounts on my credit report and subsequently removed them from their records. I am kindly requesting TransUnion and XXXX to take the appropriate steps to update my credit report accordingly. 

As per the Fair Credit Reporting Act ( FCRA ) and the rights it affords consumers, it is my understanding that each credit reporting agency must ensure the accuracy and completeness of the information on the credit reports they generate. XXXX 's investigation found errors in the reporting of certain accounts, leading to their removal. Therefore, I believe it is essential for TransUnion and XXXX to reflect this updated and accurate information on my credit report as well. 

To facilitate the process, I have included the following relevant details : Account information as listed on my XXXX report : Account Name XXXX XXXX Account number XXXX Account Name - XXXX XXXXXXXX Account XXXX XXXX Account Name -XXXX XXXX  Account number XXXX Account Name -XXXX XXXX XXXXXXXX Account number XXXX Account XXXX -XXXX Account number XXXX Account Name XXXX, XXXX Account number XXXX Account Name XXXX, XXXX Account number XXXX Account Name XXXXXXXX XXXX ( debt collector is illegally contacting me ) Account number XXXX Account Name -XXXX Account number XXXX, XXXX Please delete these accounts now, or I will have to start the arbitration process through the courts for the multiple violations that has been committed. 


15 U.S.C 1681 section 602 A states, I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 states : a consumer reporting agency can not furnish a accounts without my written instructions. 15 USC 1681 ( 602 ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to PRIVACY.
Consumer complaint received 2023-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (CA)

I was seriously scammed by phone on XX/XX/XXXX with money stolen from my bank account, credit cards, XXXX, XXXX XXXX and Apple. 
They had me install any desk on my phone and were able to see into my accounts and transfer money.. 
I contacted all agencies the following day and filed a fraud report with the FTC. Closed all accounts, set up fraud alerts on all accounts enrolled in credit monitoring etc I lost money through XXXX and the XXXX XXXX but XXXX XXXX XXXX acknowledged it was fraud and returned the money sent to XXXX Other cc reversed the charges. All except Apple which the scammers had me open. They also opened one in husbands name..of course my fault. 
I thought I was working with the FBI fraud unit ( transferred through XXXX..which I thought I had clearly verified with the information they provided me regarding my account ) I gave them information I shouldnt have. 
Since the money was charged in a foreign currency I had no idea how much it was but was told these were small amounts only to see if the individual stealing my identity would accept. I told them repeatedly that I wasnt authorizing ANY money being transferred!!! 

Apple was the only cc that denied it being fraud and said the 5 charges for both my husband and myself for over {$5300.00} would stand we would have to pay. 

I spoke with and contacted the Apple specialists many times to dispute this and they gave me the name and address of the individual I had to write to have the dispute reopened. I did this with a letter and documentation and all 4 disputes were reopened. 
As a senior citizen ( XXXX ) I may be naive but I would never defraud anyone of money I had rightfully authorized. 
Then again my husband and I both received notifications from Apple that they had reviewed the information and that all the charges would stand. 

I again wrote a second letter on XX/XX/XXXX to Goldman Sachs asking them to reconsider. Im attaching both letters I sent Im obviously devastated and disappointed in Apple and Goldman Sachs. I have not heard back from them
Consumer complaint received 2023-07-07
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. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent Items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$10000.00}, XXXX XXXX Balance : {$500.00}, XXXX XXXX Balance : {$0.00} , XXXX XXXX Balance : {$5700.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balan {$1200.00}, XXXX XXXX XXXX XXXXBalance : {$480.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$210.00}, XXXX XXXX XXXX Balance : {$3900.00}, XXXX XXXX XXXX XXXX Balance : {$960.00}, XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX