davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/year> I received a notification from Chase bank asking me to confirm if I made a purchase of {$200.00} via XXXX XXXX. I replied no and preceded to follow the instructions in the email to order a new card. I called Chase when I got home from work and the automated system stated that a {$490.00} charge was attempted that was declined as well as {$50.00} that was also declined all via XXXX XXXX. When I spoke with a representative I was told that my XXXX XXXX account was compromised and advised me to delete the app and disconnect my card. I alerted the representative that a {$50.00} unauthorized charge was successful on XX/XX/XXXX ( the same day as the other unsuccessful attempts ) as well as {$100.00} and {$75.00}. I was assured that I would not be liable for those charges and received a temporary credit. I asked the representative why I didnt receive a notification for the other charges and was told that it was no need to alert me since they intercepted it as fraud and declined the charges. I received notification in the mail from Chase bank a few weeks later stating that the credits would be reversed because they were credible charges. I called immediately and was told that they charges were legit. I explained the situation that happened on the XXXX of XXXX and further explained that after my card was disabled the same user attempted a {$50.00} debit from my account. I asked for proof of the evidence because this was indeed fraud and I didnt purchase anything it was fraud. They told me to take it up with the merchant if I wasnt happy with my purchase and again I stated what merchant and purchase this was fraud. She didnt want to hear it. I called and spoke with three representatives and they all refused to reopen the investigation. No one wants to help find a resolve to this situation. Now my account is overdrawn because of these debits to my account.
Consumer complaint received 2024-10-04
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. (PA)

The financial institution disclosed my nonpublic personal information to a nonaffiliated third party without providing me with the required disclosures regarding the sharing of my nonpublic personal information, which would have allowed me to exercise my right to opt out of the disclosure.
Consumer complaint received 2024-10-04
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. (SC)

XXXX, XXXX ), ( XX/XX/XXXX ). This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) that you the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days you receiving this complaint. This fraudulent, inaccurate, and false information consists of an automobile account opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) This account has resulted in several fraudulent hard inquiries and fraudulent collections that is " written off '' meaning paid with a XXXX C and company did not provide any documentation to consumer. Every month fraudulent company is reporting on consumer report which is illegal and has no permissible purpose. Fraudulent collection ( s ) appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and XXXX XXXX : EXPERIAN FRAUDULENT ACCOUNTS THAT ARE REPORTING ON CONSUMER REPORT : XXXX XXXX AND XXXX XXXX XXXX. ACCOUNTS DO NOT BEAR A WET INK SIGNATURE. EXPERIAN IS OBLIGATED BY THE FCRA TO REPORT ACCURATE ACCOUNTING CONSUMER HAS ADVISED ALL INQUIRIES REPORTED WAS FRAUD.COMPANY HAD 4 DAYS ACCORDING TO THE LAW TO REMOVE SUCH ITEMS. FTC FRAUD REPORT WAS FILED ON BEHALF OF THE CONSUMER, CONSUMER IS NOW REQUESTING EXPERIAN TO PROVIDE THE DOCUMENTATION USED TO DETERMINE INQUIRY AND OR ACCOUNT WAS INDEED AUTHORIZED BY THE CONSUMER. EXPERIAN HAS 15 DAYS TO PROVIDE ME WITH THE NAME OF THE PERSON ( XXXX ) SPOKEN TO, DOCUMENTATION USED, SIGNED APPLICATION WITH CONSUMER WET INK SIGNATURE. CONSUMER IS NOT ASKING FOR E-OSCAR REPORT. BOTH XXXX XXXX AND XXXX HAVE REMOVED ALL FRAUDULENT ACCOUNTS FROM CONSUMER REPORT. IF EXPERIAN DOES NOT HAVE DOCUMENTATION TO SHOW THESE WERE IN FACT AUTHORIZED IT MUST BE REMOVED ASAP. SAID COMPANY IS LIABLE UNDER THE SEC TO FOLLOW CERTAIN RULES. EXPERIAN FILE NUMBER XXXX. EXPERIAN IS DOING BUSINESS AS ANOTHER NAME WHICH IS XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Florida XXXX. Registration Rights Agreement. XXXX XXXX entered into a registration rights agreement with Experian XXXX XXXX XXXX XXXX Experian is a member of XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( FARES ), which in turn is a stockholder of XXXX XXXX XXXX XXXX the XXXX  XXXX XXXX that owns the shares of. I WILL BE FILING FORM 211 TREASURY OMB FORMS TO AUDIT CONSUMERS ACCOUNT. EXPERIAN IS SECURITIZING CONSUMERS DATA YET REFUSE TO PROVIDE CONSUMER A COPY OF THEIR CONSUMER FILE NOT CONSUMER REPORT.
Consumer complaint received 2024-10-04
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. (SC)

XXXX, XXXX ), ( XX/XX/XXXX ). This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) that you the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days you receiving this complaint. This fraudulent, inaccurate, and false information consists of an automobile account opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) This account has resulted in several fraudulent hard inquiries and fraudulent collections that is " written off '' meaning paid with a XXXX C and company did not provide any documentation to consumer. Every month fraudulent company is reporting on consumer report which is illegal and has no permissible purpose. Fraudulent collection ( s ) appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.XXXX XXXX : EXPERIAN FRAUDULENT ACCOUNTS THAT ARE REPORTING ON CONSUMER REPORT : XXXX XXXX AND XXXX FEDERAL CREDIT. ACCOUNTS DO NOT BEAR A WET INK SIGNATURE. EXPERIAN IS OBLIGATED BY THE FCRA TO REPORT ACCURATE ACCOUNTING CONSUMER HAS ADVISED ALL INQUIRIES REPORTED WAS FRAUD.COMPANY HAD 4 DAYS ACCORDING TO THE LAW TO REMOVE SUCH ITEMS. FTC FRAUD REPORT WAS FILED ON BEHALF OF THE CONSUMER, CONSUMER IS NOW REQUESTING EXPERIAN TO PROVIDE THE DOCUMENTATION USED TO DETERMINE INQUIRY AND OR ACCOUNT WAS INDEED AUTHORIZED BY THE CONSUMER. EXPERIAN HAS 15 DAYS TO PROVIDE ME WITH THE NAME OF THE PERSON ( S ) SPOKEN TO, DOCUMENTATION USED, SIGNED APPLICATION WITH CONSUMER WET INK SIGNATURE. CONSUMER IS NOT ASKING FOR E-OSCAR REPORT. BOTH XXXX XXXX AND XXXX HAVE REMOVED ALL FRAUDULENT ACCOUNTS FROM CONSUMER REPORT. IF EXPERIAN DOES NOT HAVE DOCUMENTATION TO SHOW THESE WERE IN FACT AUTHORIZED IT MUST BE REMOVED ASAP. SAID COMPANY IS LIABLE UNDER THE SEC TO FOLLOW CERTAIN RULES. EXPERIAN FILE NUMBER XXXX. EXPERIAN IS DOING BUSINESS AS ANOTHER NAME WHICH IS XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Florida XXXX. XXXX Rights XXXX. XXXX XXXX entered into a registration rights agreement with Experian XXXX XXXX XXXX XXXX Experian is a member of First XXXX XXXX XXXX XXXX XXXX XXXX ( FARES ), which in turn is a stockholder of XXXX XXXX XXXX XXXX tXXXX XXXX XXXX subsidiary that owns the shares of. I WILL BE FILING FORM XXXX TREASURY XXXX FORMS TO AUDIT CONSUMERS ACCOUNT. EXPERIAN IS SECURITIZING CONSUMERS DATA YET REFUSE TO PROVIDE CONSUMER A COPY OF THEIR CONSUMER FILE NOT CONSUMER REPORT.
Consumer complaint received 2024-09-18
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: California Business Bureau, Inc. (CA)

Company contacted me at my place of business and continued to call until they got me to agree to debt and agree to payment plan. They then reverted from no interest to interest on debt. Afterwards they have no served me for a lawsuit. They have been also verbally abusive at times on the phone and very rude.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (SC)

Dear CFPB, I am writing to formally file a dispute regarding an account in collections that is listed on my credit report. The account in question is with Jefferson Capital. I cant remember who they said the original creditor was, I think XXXX or XXXX. I have XXXX XXXX though. 

When I saw it on my XXXX XXXX report, I disputed it and specifically asked for a copy of the original bill or detailed documentation related to the debt. However, the collection agency only responded with a statement claiming that the debt is accurate without providing the documentation I requested. And now on XXXX XXXX it says No Info for Original Creditor name and Type and even Closed Date. 

I feel like I am entitled to validation of the debt, including documentation showing the original details of the bill. I dont know what I own for. Since I have not received the requested documents, I believe the collection agency has not fulfilled its legal obligations to verify the debt. 

I kindly request that you investigate this matter for me. 

I appreciate your attention to this matter and look forward to your prompt resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-07
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. (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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> 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 2024-09-18
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Adler Wallach & Associates, Inc. (CA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-09-18
Product: Credit 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 (MN)

Dispute ID XXXX XXXX XXXX I XXXX XXXX DID NOT AUTHORIZE THESE TRANSCATIONS LISTED HERE WITH THE DISPUTE ID. THESE TRANSACTIONS ARE FRUDUELT, AND AS SOON AS I NOTICED THEM, I REPORTED THEM TO APPLE. YET TODAY APPLE CAME BACK TO ME SAYING I DID AURHTOERIZED THESE TRANSACTIONS, HOW CAN I AUTHORIZE THEM IF I NEVER USE IT? PLEASE CFPB MADE XXXX LOOK INTO THIS SO THEY WILL FIX IT. I DID NOT AUTHORIZE THESE TRANSACTION AND IT IS OVER XXXX IN DOLLARS THAT I DO NOT HAVE! 

I REQUEST THAT XXXX SEND ME ALL THEIR FINDING AND THEIR PAPERWORK THAT IS USED IN THE INVESTIGATION OF THIS CASE.
Consumer complaint received 2024-09-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (IN)

This is XXXX XXXX, I am trying to resolve an issue on my credit report. I am not aware of this debt nor claim ownership of alleged debt. Yet to take care of this matter hastily and repair my credit I would like to offer a settlement and request a PAY FOR DELETION of 30 % of the following accounts with a balance of XXXX And a separate account of balance XXXX
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I since a request 2 years ago. 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. I demanded a deletion of all personal identifiable information from my consumer credit report, only to report what I want to be provided.
Consumer complaint received 2024-09-18
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (ID)

I co-signed for an employee to obtain housing near her employment ( XXXX XXXX XXXX, XXXX, XXXX  ). It was a 12 month lease beginning XX/XX/XXXX to XX/XX/XXXX. She failed to pay the final XXXX  months of her contract ( approx {$1800.00} per mo ). More than 18 months after she moved out, I started receiving calls from the apartments and ultimately from IQ International ( collections ) informing me that I owed {$13000.00}. I had asked for a WRITTEN document to be mailed to my home in mid XXXX as I had NEVER received notification that their tenant ( my former employee ) had missed payments nor did I ever receive written documentation on the fees, penalties, etc associated with her termination or eviction. The employee had been terminated from employment and I lost touch with her in late XXXX. IQ International sent me a single page collections invoice on XX/XX/XXXX... prior to that I had only received harassing calls and voice mails... .never received anything in writing. 
The invoice from IQ International dated XX/XX/XXXX had a statement of " How can you dispute the debt? '' One of the options was " If you write to us by XX/XX/XXXX we must stop collection on any amount you dispute until we send you information that shows you owe the debt. '' On XX/XX/XXXX I sent a XXXX Certified letter to IQ International asking them to send me details of the absurd amount they were trying to collect. They signed for the certified mail on XX/XX/XXXX, so I know they received it. On XX/XX/XXXX, I received multiple alerts from XXXX and other credit agencies that IQ International had submitted the collection account of {$13000.00} as defaulted. Despite the fact that their letter to me dated XX/XX/XXXX informed me that they must stop collections if I responded and disputed the claim before XX/XX/XXXX, they disregarded my dispute and my request for documentation and submitted a default to credit agencies. I have a certified letter with tracking and documentation from XXXX that the letter I sent to them was received XX/XX/XXXX ... ..2 solid weeks before the deadline. Despite my efforts in obtaining a detailed written record and submitting my dispute well within their timeline, they ignored my written request, never sent me any details and submitted the collections as a default which will hurt my credit tremendously.
Consumer complaint received 2016-06-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (DC)

In XXXX 2015, I came across an offer stating that if I applied for a citigold checking account using a promotional code, I would be eligible to receive XXXX AAdvantage Miles if I met the following conditions : a. Spent {$1000.00} of money in the checking account. 
b. Made two qualifying bill payments in consecutive months. 

I decided to call Citibank to confirm that this was not a scam. I called and spoke to a Customer Service Representative who assured me that I was in fact eligible for this promotion and that If I opened an account over the phone, with her, and met the stipulated conditions, I would in fact receive XXXX XXXX Miles. She also told me that there would be a $ 30 monthly fee for the account, and that I should only proceed if I was ok with those terms. I agreed, since I would be receiveing a XXXX XXXX Mile sign up bonus, it would be worth it. I listened to her instructions carefully, and followed them to the letter to meet the conditions stipulated. However, it has been 6 months, and I 've had multiple monthly fees deducted from the account, however I have not received any miles. When I called customer service, I was assured that I had in fact met all of the requirements for the miles with my checking account, however Citibank would not be honoring the terms of the promotion as I had been misled by the customer service agent who spoke to me, and that I was not in fact eligible for the promotion as I was not targeted. This is despite the assurances i took care to get from the customer service agent before opening the account. This is an unfair practice, because as a result of being misled, I opened the account under false pretenses and will incur more than {$60.00} in monthly fees as a result. 
How
Consumer complaint received 2024-09-18
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: JPMORGAN CHASE & CO. (GA)

XXXX XXXX XXXX These are fraudulent accounts About 2.9 billion people may have had their personal financial data compromised, a lawsuit alleges.

" It's not a matter of if, it's a matter of when '' you may be personally affected by a breach, one expert says. 
Experts say there's one best step to take to protect your personal data. Criminals have posted on the dark web a database containing data on 2.9 billion people, offering to sell it for {$3.00} million, according to a lawsuit filed in Florida. And according to the XXXX XXXX XXXX The breach, which includes Social Security numbers and other sensitive data, could power a raft of identity theft, one expert says. ( XXXX XXXX / XXXX XXXX )
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (FL)

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
MY NAME : XXXXXXXX XXXX 
LAST NAME : XXXX. 
DOB : XX/XX/year> NSS : XXXX SECURITY FREEZE
Consumer complaint received 2024-09-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

My account was closed on XX/XX/XXXX due to suspected fraud of a check. The check was not honored and no money was spent or released from the check in question. I had some pending claim disputes still ongoing during the closure of the account, so I was told after the disputes are cleared that a cashiers check would be sent to my address on file & no deposits or withdrawals would be honored. I was told my estimated closing date is XX/XX/XXXX, allowing enough time for merchant to respond to my claims ( I put these claims in late XXXX ) I received a XXXX XXXX XXXX deposit to the should be closed BOA account on XX/XX/XXXX and instead of returning those funds to the creditor as they told me via letter and phone multiple times earlier in the month that they are not honoring any deposits or withdrawals as of XX/XX/XXXX and that funds would be sent back to originator, it was kept honored and posted to the account. My pending disputes were settled as of XX/XX/XXXX and BOA is still holding my funds for an estimated closing date of XX/XX/XXXX that could change at anytime which was contingent on the disputes being processed and handled, which they are all resolved. I am behind on rent and due to get evicted in a few weeks. I have nothing to tell my landlord besides BOA is holding my money. I didnt owe the bank at the time of account closure I actually had funds inside of the account, now I have over XXXX in the account I have not been able to access in well over a month. The XXXX deposit that was kept should have been returned to the creditor and it wasnt, this alone on top of my other funds sitting inside the account has put me in a bad space mentally and financially. The department I am transferred to treats everyone like a criminal and does not care to offer valid answers. I have asked to go inside of a branch to claim funds and was denied. I am in desperate need of my funds as my livelihood depends on it.