davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (FL)

My wife and I were XXXX XXXX XXXX on a street in XXXX, XXXX while on vacation there the night of XX/XX/XXXX, at approximately XXXX. Both our cell phones were stolen, and the thieves hacked my cell phone, and were somehow able to get into my account. They proceeded to do a series of transactions that night and during the morning of the XXXX, while I had no way to reach Chase to block the accounts. 

I filed a police report that night and was able to logon with my laptop once a returned to the hotel room after midnight. I was able to cancel a large number of zelle payments they were doing. I was not able to cancel the one payment for {$500.00}. I finally reached the Chase XXXX number on the afternoon of XX/XX/XXXX and blocked the account. 

The thieves also performed several fraudulent transactions on my Chase XXXX credit card and on my XXXX account. I was able to have all those reversed. 

I'm attaching documentation that corroborates my assertion : 1. The list of messages from Chase showing my cancellation of the zelle transactions that were attempted on that same day.

2. The Chase Statement showing the fraudulent transaction ( on page 3 ) and the Chase credit card statement showing other fraudulent transactions on that same day. 
3. The XXXX statement showing fraudulent transactions on that same day. 
4. The police report ; it's in XXXX because this happened in XXXX, XXXX. 

I called Chase immediately when I saw the {$500.00} zelle transaction and filed a claim which they later denied on XX/XX/XXXX. I called them a few days later and was told to submit any additional information I had. I sent a letter on XX/XX/XXXX including the details above and they denied that as well. I followed up with XXXX separate phone calls, the last on XX/XX/XXXX, to try and get answers as to why they refused the claim. I was told it was denied because my device was used to do the transactions and there was no evidence of failed attempts or password changes from the device.
Consumer complaint received 2023-04-16
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. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FAUD ACCOUNTS ON MY CREDIT REPORT Original balance- {$720.00} Account number-XXXX Open/closed-Closed Date opened-XXXX XXXX XXXXXXXX Account type-Secured Loan Status-Paid, Closed. 
Status updated-XXXX XXXX Original balance- XXXX XXXX  Monthly payment -- Last payment date-XXXX XXXX, XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX INCOMPLETE ACCOUNT 3 IS GROUND FOR REMOVAL AND DELETION OF THIS ACCOUNT 15 U.S. CODE 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NOT LATER 4 BUSINESS DAYS AFTER DATE OF RECEIPT.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have been disputing the accuracies of the XXXX funding for the last XXXX year to the three major credit reporting agencies. each time they say it meets the FCRA requirements. How can this be if all three credit reports report something different on the account. This is unsatisfactory to me as the consumer who has to put trust and confidence these agencies to do the right thing. it is a must that XXXX XXXX removed from my report from the three credit reporting agencies immediately due to in accurate reporting practices and procedures. it is time that these report agencies are help accountability for the lack of due diligence thats has been show on multiple occasion to multiple consumers. I have submitted multiple reports showing the inaccurate reporting only for those report to fall to XXXX eyes. It is my right to have this inaccurate reporting rectified.
Consumer complaint received 2023-04-16
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. (NC)

According to fair credit act reporting act. The list accounts below has violation my federally protection consumer rights to privacy and confidentiality under 15USC 1681. 
XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXXXXXXXXXX XXXX XXXX. 

15 USC 168/c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer of the following other than records of conviction of crimes. Which antendates report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) should not furnish any information relating to consumer to any consumer reporting agency if this person knows or have reasonable causes to believe the information is incorrect.

15 USC 1681 section 604 A Consumer can not furnish account without writting structions.

15 U.S.C section 602 A. states I have rights to privacy
Consumer complaint received 2023-04-16
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. (NY)

AS OF XX/XX/2023 I HAVE FRAUD ACCOUNT ON MY CREDIT REPORT ACCOUNT NAME- XXXX XXXX  ACCOUNT # - XXXX BALANCE UPDATED- XXXX ACCOUNT TYPE- SECURED CARD STATUS- Account charged off. {$280.00} written off. {$280.00} past due as of XX/XX/2023 STATUS UPDATED- XXXX LAST PAYMENT- XXXX PAST DUE XXXX $ HIGHEST BALANCE- XXXX $ Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number- ( XXXX ) XXXX INCOMPLETE ACCOUNT # IS GROUND FOR REMOVAL " FAIRS CARE ACT '' 15 U.S. CODE 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NOT LATER 4 BUSINESS DAYS AFTER DATE OF RECEIPT.
Consumer complaint received 2023-04-16
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. (NY)

as of XX/XX/XXXX i have noticed fraud account ACCOUNT NAME- XXXX XXXX  ACCOUNT # XXXX XXXX DATE OPENED- XXXX ACCOUNT TYPE- CHARGE CARD STATUS-Account charged off. {$540.00} written off. {$540.00} past due as of XX/XX/XXXX. 
STATUS UPDATED-XXXX XXXX XXXX $ Contact info Address XXXX XXXX XXXX XXXX, XXXX XXXX Phone number-None provided INCOMPLETE ACCOUNT # IS GROUNDS FOR THIS FRAUD ACCOUNT TO BE REMOVED AND DELETED! 
15 U.S. CODE 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NOT LATER 4 BUSINESS DAYS AFTER DATE OF RECEIPT.
Consumer complaint received 2023-04-16
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. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED THIS FRAUD ACCOUNT ON MY CREDIT REPORT.INVESTIGATE FRAUD ACCOUNT AND DELETE! 
ACCOUNT NAME- XXXX XXXX XXXX DATE OPENED- XXXX STATUS UPDATED- XXXX ACCOUNT # XXXX LAST PAYMENT DATE- XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX INCOMPLETE ACCOUNT # IS GROUNDS FOR REMOVAL OF THIS ACCOUNT " FAIR CARES ACT '' 15 U.S. CODE 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NOT LATER 4 BUSINESS DAYS AFTER DATE OF RECEIPT.
Consumer complaint received 2023-04-16
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (KY)

Did not mark my account as disputed within 30 days. 
Also, has NOT validated this account with a signature. This is the letter I sent them on XXXX/XXXX/XXXX : This letter is in response to your recent claim that XXXX XXXX, has verified that the account they are reporting under my name is accurate. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response, or XXXX verification is unacceptable. I am requesting a re-investigation AND your method of verification. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance. 
I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.
Consumer complaint received 2023-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

I have had my credit card with XXXX XXXX credit card for the past four or five years in which i have paid my payments to them without any problems, but i live on the westcoast and every so often the due date falls on a non banking weekend saturday or sunday, but other customers like my self are being charged a late fee if the payment are not received on eastcoast time regardless if its a weekend non banking day, I shouldnt be penalize with a late fee, because XXXX XXXXsynchrony bank wants to make millions of dollars on late fees.
Consumer complaint received 2023-04-18
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. (CA)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2023-04-18
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. (CA)

in accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 2024-10-05
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)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2024-10-02
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. (AL)

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 XXXX XXXX XXXX. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 informationisinaccurate.
Consumer complaint received 2023-04-18
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. (MD)

I sent a letter to Experian, XXXX and XXXX to REMOVE inaccurate information and fraudulent reporting from my credit profile. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information no later than 4 business days. Collections Account # XXXX, Account Name : XXXX XXXX XXXXXXXX XXXX Date Reporting : XX/XX/XXXX XXXX According to the fair credit report act, my rights are being violated and this is causing personal harm and defamation of my character.
Consumer complaint received 2023-04-18
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. (MD)

I sent a letter to XXXX, Equifax and XXXX to REMOVE inaccurate information and fraudulent reporting from my credit profile. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information no later than 4 business days. Collections Account # XXXX, Account Name : XXXX XXXX XXXX XXXX Date Reporting : XX/XX/XXXX XXXX  According to the fair credit report act, my rights are being violated and this is causing personal harm and defamation of my character.
Consumer complaint received 2023-04-18
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (LA)

XX/XX/XXXX I received a letter stating that my monthly payment will increase above {$1800.00} amount due to insurance escrow shortage of {$6000.00}. XX/XX/XXXX I called to see how we can work something out cause I don't have that kind of income to pay such a large amount with other bill being shorted to survive. They informed me of programs that are available such as modification and refinancing for an additional 30 years. I asked for lowing my interest rate due to the fact I made payments on time and always made a way with the insurance, which is the lowest in can get due to company 's leaving the state and living close to a lake of water does not help in anyway. So I asked about the XXXX and XXXX area homeowner rate and they could not give me an answer. My wife and I applied with many companies, but Wells Fargo were the only one that gave use a loan on XX/XX/XXXX. We signed a loan agreement for {$150000.00} at APR of XXXX with monthly payments at {$1500.00}, my credit rating score at the time was XXXX, hers was XXXX. Was told that we would be able to get it lower once our credit improved and when it did in XXXX they refused us due to late payments and not creditable worthy enough. Over the 26 years I would find lower insurance and payment with to {$1400.00} or they added escrow differance to the end of loan end date extending the years of payout. I have been doing my best to improve credit to XXXX to get better APR but all they do is try and get me to do 30 more years loan or other programs. More sacrifices I don't have in me at my age.
Consumer complaint received 2023-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have contacted XXXX many many times and each time they state the problem will be taken care of. I have been using them for years and never had any problems. I had placed and removed a fraud/freeze alert on my account and even received the notifications from the bureaus of it being removed, yet anytime I attempt to purchase anything through XXXX  it denies me stating I have a freeze on my account. I like using them to avoid credit cards, and it is really terrible the customer service can not correct the problem, and no one responds via online even though it is always confirmed they have fixed the problem.
Consumer complaint received 2024-08-17
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: Experian Information Solutions Inc. (CA)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo transferred servicing of my loan to XXXX XXXX XXXX as of XX/XX/XXXX. They claim to have sent an " information packet '' to XXXX on XX/XX/XXXX which would show me as the authorized user ( the loan is in the name of an estate I am the XXXX of ). As of XX/XX/18, XXXX has no record of me and therefore will not discuss the mortgage with me. Despite WF 's claim that the loan would be transferred exactly as it was, XXXX does not show the COVID forbearance in place and therefore has the loan as 6 months past due. XXXX has also issued payment for taxes that were already paid. WF refuses to provide any information as to what was sent to XXXX, thereby shielding themselves from any claim of failure to exercise proper care in executing the transfer. I assume both companies are to blame, but I have no way of getting anywhere, instead simply being batted back and forth between them.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2023-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Experian Information Solutions Inc. (FL)

Since my divorce in XX/XX/2022 I have not been able to update my own personal yearly income as a newly single person. 
I suspect that this is the reason for being rejected from all my applications for new credit cards Kindly update info. I need to establish my own personal credit history. Plus I need a credit card that offers a high credit limit.