davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (PA)

Acct Name : BESTBUY/CBNA Acct # : XXXX To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or XXXX ) credit report, and I noticed some Transactions posted on my credit report that is excluded my federal laws to my consumer reports! 
BESTBUY/CBNA account number XXXX Your company is in violation of the FCRA and XXXX Compliance and reporting violation. 

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

On XX/XX/XXXX and XX/XX/XXXX you reported transactions from account # XXXX to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports!

The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of XXXX compliance! 

Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. 

I need the transactions reported on XX/XX/XXXX and XX/XX/XXXX Deleted from my consumer reports effective immediately. Now before you think to reply with validated, letters be clear I am not asking you to validate or verify anything so dont respond telling me that to waste my time!

Furthermore 15 USC 1666b ( a ) ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2020-06-10
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: Bread Financial Holdings, Inc. (TX)

I had a credit card with Forever 21 since 2018. The card was not required to be used or paid on monthly. I never had a late payment or anything negative associated with that account. I randomly get an email from credit karma informing me I had a change in my credit score. Forever 21 closed the credit card out without as much as a mailed or emailed warning, all the while they are still continuously sending me emails for their clothes they have on sale. This dropped my credit score by 40 points. Forever 21 filed for chapter XXXX bankruptcy and therefore had to close down several stores and have all of their clothes on a very high sale price online. I don't believe my credit score should drop 40 points for something i had no control over. I was currently looking for apartments and now my score went from the 700 's to the 600 's.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (GA)

Chase reported I owe them a balance on of the credit cards that belonged to a C-Corporation. The corporation was shutdown in XXXX  due to financial problems. I explained Chase, I am not responsible for the charges on the credit card. I personally did not use the card. They told me as per their policy, my personal information is tied to this card, hence I have to make the payments. They have declared delinquency several times on my credit report to force me to pay the balance. I eventually agreed to make monthly payments, which they started taking and after two years of payments they have handed over the case to a third-party collections company. 

The collections company harassed me every day, and they appeared on my credit report. XXXX has hurt my credit once again by bringing XXXX collections company. 

Chase failed to explain why corporate card was being charged back to an individual, why they are using consumer 's SSN to collect the money. Why did they declare delinquency while dispute is being investigated? 

Why did they bring a third-party collections when there is an agreement for a monthly payments, they clearly took several months of payments via auto-payment arrangement. 

Today, I settled with the offered balance with the collections company and I want Chase to repair my credit.
Consumer complaint received 2023-10-11
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)

Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to 3 credit bureaus was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15 U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of Accounts and Inquiries that are still reporting on my Credit Reports : Inaccurate Names : XXXX, XXXX, XXXX, XXXX XXXX ; Accounts : XXXX XXXX and XXXX XXXX XXXX XXXX Inquiries : XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, CERTIFIED Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I went through the process to dispute along with letters but nothing was resolved. I am currently trying to buy a home but this debt shows up as active and late. That's incorrect, it's been paid in full and should be removed from my credit report. Not all three credit buearus are reporting the same, especially Experian. Please remove this account completely. 
Thank you, XXXX XXXX.
Consumer complaint received 2023-10-11
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)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (FL)

I am following up with CFPB Complaint Case XXXX. 

I complained that a teller at the XXXX bank provided me false information to delay my dispute submission which took me outside of the 60 day liability window within Regulation E. Truist did not address this item in their response at all and it leads me to believe they find this to be an acceptable practice which ultimately harms consumers such as myself.

I received the response letter that states " the documentation that was requested from Centralized Fraud Claims did not provide specific detailed information such as a receipt or confirmation email from the merchant to move forward with your case. '' Why is my dispute of merchandise not received impacted by the " centralized fraud claims '' team? I don't even know who this group is and how is it my fault that they didn't provide the receipt? That doesn't even make sense. It is the banks responsibility to disprove my claim. Please engage your legal department to ensure you have a proper interpretation of Regulation E as I find this case to be a violation of law. The subsequent letter they sent says that my dispute was denied because the transaction was authorized. Of course it was authorized. I never said it wasn't ... My dispute is that I didn't receive the merchandise. Please review my dispute as submitted and provide a lawful outcome that doesn't violate 1005.11 and the various requirements in that regulation. You have the claim categorized incorrectly and the fraud team is reviewing a dispute that wasn't submitted as fraud.
Consumer complaint received 2023-08-18
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. (LA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-08-18
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: 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. I told the Experian, XXXX, and XXXX to reinvestigate these accounts :
Consumer complaint received 2023-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

I was the victim of identity theft and banking fraud and had over {$12000.00} stolen from my Chase checking accounts and the bank refuses to recredit my accounts concluding that the transactions were authorized. But I have provided detailed evidence to the bank that the transactions were fraudulent and I reported the fraud promptly. I have attached a two-page affidavit detailing what took place and attached evidence showing proof of my assertions.

In summary, I received a call from Chase Bank 's fraud department on XX/XX/2023. The call came from XXXX which is Chase Business Customer Service 's phone number. A person identifying himself as XXXX from Chase 's fraud department told me he was calling to determine if a suspicious transaction was authorized by me. I told him that it was not and that it was fraudulent. He said that Chase would decline the transaction and that my debit card and online access needed to be shut down because they had been compromised. Everything he said was verified by Chase email, the pending charge reflected on my bank account, text messages from Chase, and a message sent using Chase 's mobile app. He asked questions about my account name to verify my identity but not my password or pin number. After the call ended, I received a Chase alert that my account balance had fallen below {$2000.00}, which was strange since I had over {$4500.00} in that account. I immediately called Chase Bank back on the same number XXXX and learned that the individual I was speaking to previously was a scammer and that multiple unauthorized transactions were now pending. I asked Chase to decline all these transactions because they were unauthorized. The next morning I went to the bank and filed a formal complaint.

The bank is now refusing to refund the money claiming that the transactions were " authorized. '' But I disagree. How can they be authorized when the evidence shows I was scammed. I was called by someone from Chase 's number, using Chase 's email letterhead, using Chase 's mobile app for messaging, and a Chase text message. Information clearly obtained by fraud does not make a transaction " authorized. '' Please read the affidavit and look at the evidence provided. This was a very sophisticated scheme and I was not negligent or grossly negligent. Also, I reported the transaction within hours ( 2-3 hours ) and the fraudulent transactions were still pending and Chase did not stop them.
Consumer complaint received 2023-08-21
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. (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.

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 2023-08-18
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. (LA)

Equifax, XXXX, and XXXX is reporting the below referenced alleged accounts on my credit report as a collection account. 
- XXXX XXXX XXXX original creditor is XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX / XXXX creditor is XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor is XXXX XXXX I have disputed these item with the credit reporting agency , and they reported these accounts we're confirmed the account as valid. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports. A bill is not proof of an account ownership. Also, XXXX XXXX XXXX and XXXX XXXX XXXX is in direct violation of the HIPPA Law.
Consumer complaint received 2023-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (MN)

On XX/XX/XXXX, my Chime ( XXXX ) checking account was hacked into and the funds in the account withdrawn without my authorization. When I realized what had happened I immediately called Chime and informed them of this unauthorized access and removal of funds and I also changed the password to my account. The person who accessed the account conducted two transactions which were unauthorized, one in the sum of {$250.00} and another in the sum of {$350.00}. After I changed my password and Chime had reimbursed me the lesser amount, they also went ahead to remove another amount in the sum of {$99.00} those from the account without my permission but Chime reimbursed me this amount as well. 

The problem is that although both unauthorized charges took place on the same day & within minutes of each other, Chime only decided to reimburse me the smaller amount and refused to reimburse the larger amount. I sent multiple emails and spoke to multiple company reps all to no avail as they declined my repeated requests to reimburse me the entirety of what was illegally removed from my account.
Consumer complaint received 2023-08-18
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. (NC)

I called Transunion and spoke with XXXX, the call code is XXXX. I informed XXXX that I did not authorize and have no knowledge of two inquires that are currently being inaccurately reported. Neither inquiries from XXXX XXXX XXXX  or XXXX XXXX XXXX were authorized by me. XXXX informed me that she would flag the inquiries but would not remove them unless a police report is filed. I do not have enough information to file a police report because I do not know who committed the fraud. I do know that Transunion is obligated to follow FCRA regulations when reporting my information and they are currently in violation of multiple FCRA regulations. They are reporting inaccurate information. They have been notified by myself that the information is inaccurate as of XXXX XX/XX/23. When given the opportunity to correct the information they refused multiple requests and continue to illegally report the errors.
Consumer complaint received 2023-05-03
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. (FL)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-28
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. (GA)

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 Account Name : XXXX XXXX AUTO Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or 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.
Consumer complaint received 2023-08-18
Product: Credit card or prepaid 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: Block, Inc. (CA)

I made a purchase XX/XX/2023 of {$100.00} at XXXX in XXXX California. I returned the item on XX/XX/XXXX. And I have not received the money back. I have contacted the merchant and Cashapp. The merchant supplied me with a receipt stating the return was made and cashapp doesnt refund the money. I dont know what else to do
Consumer complaint received 2023-08-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (MI)

On XX/XX/XXXX, two withdrawals were made on my Cash App account from the same merchant, XXXX XXXX XXXX XXXX and XXXX XXXX. The first was an ACH in the amount of {$10.00} that was authorized two days prior. The second charge was for {$25.00} that I had not initiated. When I contacted the merchant, they claimed they had no knowledge of the charge and did not find it in their system. They requested a statement which I provided but it did not offer any additional details to aid in their search. The merchant then requested a transaction ID or merchant reference number. I was first told my Cash App support that they did not have access to such numbers. I later received an email with an 8 digit and 7 digit number listed as " trace number '' and " trace number 2 ''. I forwarded these to the merchant, they informed that it was not the correct information. I was under the impression that an ACH trace number was 15 digits. Is that 15 digits each for the sending and receiving bank, or 15 digits total like I received from Cash App? I just need to know if Cash App does in fact have access to the ACH trace number so that the merchant can find my money. Also, is the bank allowed to share a merchant ID number? Is that somewhat like a tax ID number and typically not shared with customers?
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, and 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