davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (GA)

I opened a new account and subsequently had my brothers XXXX  money into my account... mind you, my brothers, family, same last name. Once funds were received I proceeded to XXXX back {$100.00} back to my brother as well as a XXXX dollars to a friend..reason being I had not received my debit card so I was unable to actual book an XXXX, hence, me sending the funds to people who could facilitate for me... my account was locked after these attempts ... each time I contacted and went through the appropriate security protocols to authorize the transactions. At this point and at every subsequent " lock out '' there after, I was told to resubmit the transaction, which I did. Upon the last attempt my account was closed and my funds were seized and I was told they would no longer be available to me with no recourse for compensation. At the time of incident I had pending financial obligations that were limited to the funds, specifically a dentist appointment that was time sensitive. My account was closed on the basis of actions that were specifically dicated to me by the bank its self i.e. resend transaction. So essentially the same directives that were given to me are the same actions that premised the closure. But then, to ultimately seize my funds as well, is an egregious violation of any common sense under standing of any persons consumer rights. Additionally, I will be filing suit through the SOS states office for punitive damages for lose of monitory funds as well as time and being unconvinced. The attitude that was betrayed by the consumer representives was that they were too big of an institution to be held accountable. I beg to differ.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TD BANK US HOLDING COMPANY (FL)

15 U.S.Code 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) - Unauthorized inquiries AFFIDAVIT Notice, it is a fact, affiant is aware, this inquiry is unauthorized and has been furnished without my consent. There was no permissible purpose and is a violation of 15 U.S.Code 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Remove all unauthorized inquiries as seen on my report.

15 USC 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) 15 U.S.Code 1681n ( a ) ( 1 ) ( A ) 1681n ( a ) ( 1 ) ( A ) - Unauthorized Inquiries hold civil liability up to the amount of {$1000.00} or the actual damage as the cause of this failure, whatever is greater.

Version 2.

AFFIDAVIT Notice, it is a fact, affiant is aware, this unauthorized inquires which allowed third parties to obtain my consumer report under false pretenses has brought damage to my consumer report and reputation in the amount of {$1000.00} dollars per inquiry.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I was absolutely stunned to see inaccurate accounts appear on my credit report this morning, and I have no idea why. I check my report regularly, but this time, there were unexpected discrepancies that seemed to come out of nowhere. I even tried refreshing my browser, thinking it might be a glitch, but the incorrect accounts remained. I'm requesting that the documents Ive sent be thoroughly reviewed to resolve this, so I can stop worrying about my credit report once and for all.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.
Consumer complaint received 2023-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (MA)

I have reached out called and messaged Discover on several occassions asking to remove a 30 day late payment that was not 30 days late. They just tell me it is their obligation to report proper info to the credit breau but what they are reporting is incorrect. I am a long time Discover bank customer they are going to lose if this can not be fixed. 
XX/XX/2021 it was reported I was 30 days late I called and the company refused to correct anything I have made several attempts calling and writing letters
Consumer complaint received 2024-11-01
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. (FL)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-10-30
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)

( XXXX XXXX ), ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A personal loan account opened at XXXX XXXX  on XX/XX/XXXX Account number ( XXXX ) an Loan opened at at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) an loan Opened at XXXX on XX/XX/XXXX Account number ( XXXX  ). Inquires from XXXX XXXX inquiry XXXX XXXX, XXXXXXXX XXXX XXXX XXXX inquiry XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  inquiry XXXX XXXX, XXXXXXXX XXXX XXXX inquiry XXXX XXXX, XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XXXX. XXXX, XXXXXXXX XXXX XXXXXXXX Inquiry XXXX. XXXX, XXXXXXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX  Inquiry XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry XXXX. XXXX, XXXXXXXX XXXX XXXX inquiry XX/XX/XXXX XXXX inquiry XX/XX/XXXX XXXX XXXX inquiry XX/XX/XXXX XXXX inquiry XX/XX/XXXX XXXX XXXX XXXX inquiry XX/XX/XXXX XXXX XXXX inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX inquiry XX/XX/XXXX XXXX XXXX inquiry XX/XX/XXXX XXXX XXXX XXXX inquiry XX/XX/XXXX XXXX inquiry XX/XX/XXXX XXXX XXXX inquiry XX/XX/XXXX XXXX inquiry XX/XX/XXXX XXXX inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX inquiry XX/XX/XXXXXXXX XXXX XXXX inquiry XX/XX/XXXX XXXX XXXX inquiry XX/XX/XXXX XXXX inquiry XX/XX/XXXX XXXX inquiry XX/XX/XXXX XXXX inquiry XX/XX/XXXX XXXX inquiry XX/XX/XXXX XXXX inquiry XX/XX/XXXXXXXX XXXX inquiry XX/XX/XXXX XXXX XXXX XXXX INQUIRY XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections 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.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MicroBilt / PRBC (formerly CL Verify) (MI)

Regarding whom it may concern : The data listed below is what I saw on my credit report and has to be removed right away from your files. Additionally, as the data above shows, your agency is not providing correct information. When a consumer reporting agency creates a consumer report, it must adhere to reasonable processes to ensure the highest level of accuracy possible in the information about the individual to whom the report relates [ 15 USC 1681e ] ( b ).
Consumer complaint received 2023-03-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MI)

I have been contacting a guy on XXXX about car parts, he never had anything I needed in the past so we never did any business. I check in with him last week to see if he had wheels I wanted ( I bought a XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, will send you pictures ), he stated yes. I asked if he would take {$800.00} shipped, he agreed to this. Later he asked about a digital dash, we agreed to {$200.00}. I sent {$1000.00} on the Chase bank website through XXXX. My package was to be here on Saturday. On Saturday I received a text from XXXX XXXX Shipping Logistics ( Now I know this company is fake ) requesting that I pay an additional {$850.00} to insure my package, this money would be fully refunded upon delivery. I told them no and contacted the seller, he said this was all legit and to make the payment. I told him I would absolutely not be paying another dime, I agreed to {$1000.00} shipped. Since then the seller has refused to refund me, he states that its all legal and I need to pay to clear my package. I contacted Chase bank and was flat out told no, they would not reverse the payment.. I pulled up XXXX XXXX XXXX XXXX XXXX XXXX  and noticed it was created and managed from XXXX, XXXX after the fact. Secondly, a couple other people commented on this page about the exact scam re the shipping company which I discovered after as well. 

Any help would be greatly appreciated, Thanks!!! 

XXXX Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX or XXXX XXXX XXXX XXXX XXXX Chase XXXX XXXX  XXXX XXXX : {$800.00} XXXX : {$200.00} XXXX XXXX XXXX XXXX Tracking # : XXXX XXXX XXXX XXXX? XXXX % XXXX % XXXX % XXXX % XXXX % XXXX & XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX & XXXX % XXXX % XXXX & XXXX
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX  marked me from being paid to 90 days late several times throughout. my student loans. I have had government jobs that kept them deferred or in forbearance or in school. the were never. deffaulted or late. i was charged fees and interest on deferred loans as well as the credit reporting being from paid to 60d days late or from paid to 90-120 days late then paid. Now they are paid and they still have not corrected this error.
Consumer complaint received 2023-03-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CITIBANK, N.A. (ME)

About 6 months ago I applied for a personal loan from Citibank. The loan application stated that if payments are made with AutoPay, there would be a 0.5 % APR discount. I have used auto pay since the origination of the loan, and have yet to receive the reduced APR. When I made a complaint to Citi, they said that the loan needs to be paid with a Citi checking account to get the discount. That information was not provided at the time I applied for, or accepted the loan. I find this to be very deceptive marketing. Citi refuses to honor the offer. 

The offer is still advertised on their website : " Fixed rates of 9.49 % - 20.49 % APR. Additionally, there is a 0.5 % APR discount if you enroll in automatic payments at the time you submit your loan application ''
Consumer complaint received 2023-02-27
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: MOHELA (TX)

Hello, Effective XX/XX/XXXX my student loan balance was waived through the MOHELA student loan servicing provider under the Public Service Loan Forgiveness Program.

The problem is MOHELA has not reported that my student loans have been forgiven to all of the credit bureau reporting in the United States including XXXX, XXXX, and XXXX. 

I emailed MOHELA through my online account on XX/XX/XXXX asking when MOHELA was going to report this new financial information to the XXXX, XXXX, and XXXX. 

Their response is they report every 30 days, but I have not seen this change or update on my credit report. 

I would really appreciate it if MOHELA lets XXXX, XXXX, and XXXX know that I no longer have this debt. 

Thank you, XXXX XXXX, XXXX.
Consumer complaint received 2023-01-19
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. (CA)

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-19
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 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-07-06
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: WELLS FARGO & COMPANY (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

Recently, I became aware that child support information has been included in my credit report and/or public records. This information was shared without my consent and is unrelated to any credit inquiries or transactions I have authorized. The disclosure of this information has had a negative impact on my credit profile and potentially exposed sensitive personal data that should have been protected. 

According to 15 U.S.C. 1681b, consumer reporting agencies are only allowed to furnish information for specific and permissible purposes, none of which apply in this situation. Additionally, under 15 U.S.C. 1681s-1, government agencies are responsible for safeguarding consumer information, and I believe this obligation has not been met in my case.
Consumer complaint received 2023-01-19
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. (NC)

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 2023-01-19
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. (MD)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX acct XXXX, XXXX XXXX XXXX acct XXXX, XXXXXXXX XXXX acct XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX ref. XXXX, XXXX XXXX Bank acct XXXX has violated my rights. 

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 an account without my written instructions.
Consumer complaint received 2024-02-16
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: JPMORGAN CHASE & CO. (FL)

There was a fraudulent credit card opened under my name. I have contacted the post office and they have been sending Chase Male back to chase if it is under the wrong address. 

Chase has been sending letters to XXXX XXXX XXXX. 
That is not my address. The letters have been going back to Chase and they are certified. So I know they are getting them but they are denying they have received them.
Consumer complaint received 2024-10-30
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. (TX)

Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

The inquires below are fraud and should be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (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 2017-08-11
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 was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30 days in the month of XXXX. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.