davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

XX/XX/2023 I was at work when I received a phone call informing me of fraudulent charges on my account. I did not authorize any charges so I agreed they were fraudulent. I was then asked to repeat the XXXX digit pin text to my phone to secure my account. I did. 

I almost immediately received an email saying that my debit card had been added to XXXX XXXX  and XXXX XXXX  accounts and the perpetrator began using it to withdraw money from an ATM. {$440.00} was stolen from my checking account ( Chase bank reimbursed these funds later ) I immediately ran across the street to the nearest Chase bank facility. Reported the fraudulent charges on my account. My funds were then switched to a new account number As I was sitting in Chase bank the perpetrator started withdrawing money from my savings account ( Im not even sure how thats possible ). A total of {$1000.00} was stolen from my savings account in multiple ATM withdrawals of {$140.00} & {$160.00} amounts. 

Chase bank refuses to refund my stolen money despite filing a police report and immediately reporting the fraudulent withdrawls, despite a Chase bank representative being present when the account was being hacked.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over XXXX  days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX Account number XXXX XXXX XXXX XXXXXXXX bank {$800.00} by 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 account under an open-end consumer credit plan as late for any purpose. Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. --
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

n 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. account : XXXX XXXX XXXXXXXX XXXX XXXXXXXX # XXXX 15 U.S.C 1681 SECTION 602 A. State I have a right to privacy 15 U.S.C 1681 SECTION 602 A It also state 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 items 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 2018-10-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Heritage Financial Group, Inc. (IL)

Hello, We have been contacted multiple times by XXXX XXXX XXXX about a debt owed on a XXXX XXXX XXXX XXXX with a VIN of XXXX Their info is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX The problem is that we've

never owned this car. We've never seen this car. And they told us the last 4 of the Social Security Number of the loan and it is not mine or my wife 's. We told them this and they still continue to harass us. They have come our house to leave notices, emailed my wife, sent multiple letters, and threatened us over the phone with legal action. I sent them a letter asking for proof that I took out the loan ( of which there is none ), or to leave us alone. They replied demanding money for a loan we never took out. They claim {$11000.00} is owed ... not sure who owes it, but it's not us.
Consumer complaint received 2018-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

I don't think my credit score reflects the {$930000.00} I have in stocks & bonds in addition to the value of the house ( XXXX ) and its contents. After 58 years of not missing or being late with a single payment of a single account, the score seems to me to be too low.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-26
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. (IN)

This is my several request to the three Credit Bureaus and it seems it does'nt makes me satisfied of what they conclude to my credit report. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain the highest credit score, I want the three credit bureaus to be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove those items which are frauds from my personal credit file : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-20
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: JPMORGAN CHASE & CO. (AZ)

Edit this section What happened? 
Requested more info on {$39.00} charge I did not recognize. INK escalated to fraud incident. Weeks go by I hear nothing. I ask of matter many times. They obfuscate, harass me with phone calls, interrogate me etc. They just notified me the account is closed. Wise guys, bad news. I just asked a simple question. Below sent to INK XX/XX/18 Never have I dealt with such incompetent malevolent people. KEEP THE ACCOUNT CLOSED AT MY DEMAND. The {$40.00} charge for which I requested information you have turned into a harassing witch hunt. ADVISE WHAT THAT LAST CHARGE WAS FOR OR REFUND THE CHARGE. AGAIN, AT MY DEMAND, CLOSE THIS ACCOUNT PERMANENTLY!! 


I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. 

The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps. 







Edit this section What would be a fair resolution to this issue? 
Tell me what charge is for or refund charge. 
Step 4 Edit this section What company is this complaint about? 
COMPANY INFORMATION CHASE BANK CREDIT CARD CARD NUMBER XXXX Step 5 Edit this section What people are involved? 

YOUR CONTACT INFORMATION XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX , Arizona XXXX United States AFFILIATIONS Service details Branch : XXXX XXXX XXXX Status : Veteran XXXX : XXXX - XXXX XXXX XXXX / location : XXXX XXXX The information given is true to the best of my knowledge and belief. I understand that the CFPB can not act as my lawyer, a court of law, or a financial advisor. 
You will not be able to attach documents or edit this complaint after you submit it. 
Please make sure everything is accurate and complete before continuing. 

Submit your complaint About us The CFPB is an independent federal agency built to protect consumers. We write and enforce rules that keep banks and other financial companies operating fairly. We also educate and empower consumers, helping them make more informed choices to achieve their financial goals. 

HAVE A QUESTION? XXXX? 
( XXXX ) XXXX LOG INTO YOUR ACCOUNT Want to check the status of a complaint you already submitted? 

Username Password Forgot password? 
Log in Privacy Act Statement OMB # XXXX Have a question? XXXX? 
( XXXX ) XXXX An official website of the United States Government
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Inaccurate Reporting and Violation of Rights under the FCRA Dear Sir/Madam, I am writing to file a formal complaint against XXXX and Equifax for their inaccurate reporting, which violates my rights under the Fair Credit Reporting Act ( FCRA ). Pursuant to 15 USC 1681 ( a ) ( D ) ( 2 ) ( a ) ( I ), the agencies have included transactions between myself and the persons making the report, which is prohibited by law. 

The following accounts have been inaccurately 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 This inclusion of alleged transactions without proper investigation is a violation of my rights under the FCRA. I request a thorough investigation by the Consumer Financial Protection Bureau and appropriate action against XXXX and Equifax. Additionally, I request the removal of the aforementioned accounts from my consumer report. 

Enclosed are relevant documents supporting my claim. Please contact me if you require further information or documentation. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: REGIONS FINANCIAL CORPORATION (NY)

This complaint is referring to the last two times my wife, XXXX XXXX, paid the XXXX XXXX XXXX XXXX XXXX XXXX through the XXXX XXXX XXXX XXXX ( XXXX  XXXX ) online bill pay service to XXXX XXXX XXXX which is operated by XXXX XXXX XXXX XXXX, XXXX. The due dates relevant to this case are XX/XX/2018 and XX/XX/2018. The balance on the statement due XX/XX/2018 was {$200.00}. The balance on the statement due XX/XX/2018 was {$320.00}. The statement balances were paid in full both times. 


For the bill due XX/XX/2018, my wife requested a payment for {$200.00} to be sent through XXXX XXXX online bill pay to be received by XX/XX/2018. The check # XXXX was mailed by XXXX XXXX on XX/XX/2018, and the check was delivered and the money was withdrawn from the account on XX/XX/2018. However, XXXX did not post the payment until XX/XX/2018, five days after the due date. A late fee of {$75.00} plus a {$7.00} default interest charge were charged to the credit card account. 

For the bill due XX/XX/2018, my wife requested a payment for {$320.00} to be sent through XXXX XXXX online bill pay to be received by XX/XX/2018. The check # XXXX was mailed by XXXX XXXX on XX/XX/2018, and the check was delivered and money was withdrawn from the account on XX/XX/2018. However, XXXX did not post the payment until XX/XX/2018, two days after the due date. A late fee of {$75.00} plus a {$7.00} default interest charge were charged to the credit card account.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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

The letters are stated with items and issues.

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 2018-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: GOLDMAN SACHS BANK USA (NY)

On or about XX/XX/2018 I applied online to open a Goldman Sachs XXXX account, and while online, received a " We've declined your application. We apologize for the inconvenience. At the moment, we can't disclose why your application failed. " I called them several times and each time they advised that I should reapply online. I did so with the same results of being denied. I then downloaded copies of my free credit reports and verified all of my information as correct. 

I called them several times ( the most recent being XX/XX/2018, speaking with " XXXX '' and a credit specialist named " XXXX '' ) and was told each time that Goldman Sachs/XXXX  uses a third party vendor to verify my information. However, they refuse to provide me with the contact info for the the third party vendor or the credit report they allegedly used, and I therefore have no way of reviewing, and if necessary, correcting any incorrect information.
Consumer complaint received 2018-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

Written 2 validation letters and sent certified mail to XXXX  & Equifax regarding incorrect accounts ( XXXX, XXXX XXXX, XXXX ) reporting on my credit and never received anything back except my credit report. It has been more than 90 days.
Consumer complaint received 2023-07-26
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. (MT)

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 accounts 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 accounts : XXXX XXXX XXXX and XXXX ( Original Creditor : XXXX XXXX  ) XXXX. Please remove these accounts ASAP.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

- XXXX XXXX XXXX XXXX, {$5200.00} - XXXX XXXX XXXX  XXXX, {$4400.00} - XXXX  XXXXXXXX XXXX XXXX XXXX {$810.00} - XXXX XXXX XXXX XXXX, {$420.00} - XXXX XXXX XXXX, {$2500.00} 15 USC 1681 Section 604 " States rights to consumers privacy '' Reporting agencies can not furnish a account WITHOUT my WRITTEN consent!
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
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.

Account Name : XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 2023-07-27
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. (OK)

All three consumer reporting agencies are in violation of the FCRA laws as they have stated per their initial investigation into the accounts listed below that these accounts are valid. Per my investigation, confirmed by my credit report, all three consumer reporting agencies are reporting inaccurate information, even after stating they have validated these accounts. Either the furnisher to whom they are getting their information from is providing inaccurate information or the agencies themselves are knowingly reporting inaccurate information. I demand these accounts be deleted because there are being reported inaccurately and are in violation of the FCRA. 

DELETED the following accounts because of INACCURACY in the following categories : DATE OPENED - DATE LAST ACTIVE - DATE LAST PAYMENT - PAYMENT HISTORY - ACCOUNT STATUS - PAYMENT STATUS - BALANCE - HIGH CREDIT - CREDIT LIMIT XXXX XXXX BANK Account number : XXXX ( In accurate payment history ) XXXX XXXX Account number : XXXX ( Also reporting inaccurate balance on a closed account that shows differently on other credit reports- must be deleted ) XXXX XXXX Account number : XXXX ( Also reporting inaccurate balance on a closed account that shows differently on other credit reports- must be deleted ) XXXX XXXX XXXX Account number : XXXX ( Also reporting a inaccurate balance on a closed, written off account that shows differently on other credit reports- must delete ) XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX ( Also reporting inaccurate balance on a closed account that shows differently on other credit reports- must be deleted ) XXXX XXXX Account number : XXXX ( Payment history missing XX/XX/XXXX yet reporting still active as of months reported as collection ) XXXX  XXXX Account number : XXXX ( 3 months of payment history missing prior to 30 days late report - also reporting active during a month account shows in collection ) XXXX  XXXX Account number : XXXX ( 2 months of payment history missing prior to 30 days late report - also reporting active during a month account shows in collection ) XXXX XXXX Account number : XXXX ( Also reporting a inaccurate balance on a closed, written off account that shows differently on other credit reports- must delete ) XXXX XXXX XXXX XXXX Account number : XXXX ( Also reporting a inaccurate balance on a closed, written off account that shows differently on other credit reports- must delete ) All hard inquiries being reported by XXXX and Equifax must be deleted because they are reporting inaccurate information.
Consumer complaint received 2018-10-20
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation (NC)

On XX/XX/2018 a certified letter was sent to XXXX XXXX XXXX XXXX. The letter asked for validation of the debt. I asked for three documentations. 1. Agreement with your client that authorizes you to collect on this alleged debt. 2. Agreement that bears signature of the alleged debt wherein he promises to pat the creditor/XXXX XXXX XXXX. 3. Complete payment history on this account so as to prove that the amount you wish to collect is correct. XXXX XXXX XXXX failed to provide me with all the documentation that I have the right under the FDCPA to obtain. The letter that they send to me stated that it was Verification of Debt not Validation of the debt. The amount on the letter is different form what it is reporting on my Credit reports. The information that was sent to me dose not have any of the information that was mentioned in the letter with the information.