davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-24
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. (NY)

I am writing to dispute the charge-off listed on my credit report under XXXX  XXXX XXXX XXXX According to my records, this charge-off is inaccurate for the following reasons : The creditor or collector failed to follow proper debt collection laws, such as the Fair Debt Collection Practices Act ( FDCPA ), including harassment or failure to validate the debt The debt does not belong to you, or you have no knowledge of this account I respectfully request that you review the account details and provide any documentation that supports this charge-off. If you are unable to validate the charge-off, I request that the item be removed from my credit report immediately. 

Please inform me of the outcome of your investigation in writing. I expect a response within 30 days, as required by the Fair Credit Reporting Act. 

Thank you for your attention to this matter.
Consumer complaint received 2024-07-21
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. (UT)

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 2024-09-11
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SANTANDER HOLDINGS USA, INC. (OR)

15 U.S Code $ 1681c-2 a consumer reporting agency shall block the reporting of any combination in the file of a consumer 30 days after the debt of receipt.

Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) this account is in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights Pursuant to 15 USC 1681 section 602 A states I have the right to privacy Pursuant to 15 USC 1681 section 604 A Section 2 it also states a consumer reporting agency can not furnish account information.

I am requesting the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of threats above.

You are required to do what I am asking and block above reported to my consumer report WITHIN 4 DAYS from the date above.
Consumer complaint received 2024-10-24
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. (MI)

State of Michigan XXXX of XXXX XXXX XXXX XXXX, being first duly sworn, deposes and says : Identity : I am the individual whose name appears on the credit report issued by on Experian, XXXX and, XXXX XXXX. 
Reinvestigation : I would like a reinvestigation on these account pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( b ) ( iii ). 
Dispute of Inquiries : I dispute the accuracy of the following inquiries listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were made in violation of 15 U.S.C. 1681b and 1681n, as they were not authorized by me or made for legitimate business purposes. 
Dispute of Collections : I dispute the accuracy of the following collections listed on my credit report : XXXX XXXX XXXX. These collections were reported in violation of 15 U.S.C. 1692g and 1692c, as they were not valid debts or were not properly communicated to me. 
Dispute of Charge-Offs : I dispute the accuracy of the following charge-offs listed on my credit report : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. These charge-offs were reported in violation of 15 U.S.C. 1681e and 1681i, as they were not accurate reflections of my creditworthiness or were reported in error. 
Late payments : I dispute the accuracy of the following late payments listed on my credit report XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX and, XXXX XXXX XX/XX/XXXX. These late payments were reported in violation of 15 U.S.C. 1666b and 1637a, as they were not the result of my failure to make timely payments or were reported in error.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Resolution Services Inc. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries :
Consumer complaint received 2024-09-10
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: CLGF Holdco 1, LLC (VA)

I reached out To Milestone Credit Company around XXXX XX/XX/XXXXXXXX  and I havent reached that because of my hardship. I havent been able to to recover fully ever since XXXX I applied for this card to assist in the process of recovery but I was wrongly Mistaken. Interest Rates are extremely high for people with bad credit and they are notoriously known for this. I have been late on this account and Every payment I tried to make never goes through so the account is just incurring interest.
Consumer complaint received 2024-05-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In XX/XX/XXXX I took a trip to the XXXX XXXX for XXXX weekend. I reserved my hotel online through the website and used my debit card at the check-in. This is where I think the credit card terminal was hacked as I did insert my card and used my chip at the check-in. The charges are not from the hotel that I stayed in they are all from XXXX XXXX XXXX and from a XXXX clothing store that I also did not purchase from. I reported this to my bank as soon as I saw the charges pending to my account, and Bank of America reversed them. Later, Bank of America re-instated the charges totaling {$53000.00} and send me a letter dated XX/XX/XXXX. I contacted BOA and they stated that they spoke to someone at XXXX  that said I used my pin and card at the terminal. I requested the name of the person that the BOA representative spoke to and the date and the BOA rep could not give me any details not even the number that they called. So I then wrote a letter dated XX/XX/XXXX back to BOA claims resolution as directed and BOA has not responded back and refuses to return my funds. The charges were all back to back the same day to XXXX and XXXX XXXX XXXX and just small amount of differences in each charge, BOA should know that these charges are fraud just from looking at them.
Consumer complaint received 2024-09-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (TN)

To Whom It May Concern : I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Account Name & Account Number : Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( XXXX ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( XXXX  v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract ( XXXX XXXX XXXX XXXX. XXXX ) & ( XXXX XXXX  XXXX XXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.
Consumer complaint received 2023-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I deposited a {$40000.00} check at Chase, and they immediately restricted my account and my access to all of my funds, not just the check. After a month of exhaustive attempts at getting Chase to verify the check, they closed my account. They refuse to return the money to the funding bank, they have made us jump through every hoop imaginable, just to say no again. We are fairly confident that Chase is committing fraud against me. Even after closing my account, they are still holding onto the funds despite XXXX requesting them back.
Consumer complaint received 2024-09-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/year>, an unauthorized payment of {$580.00} was made from my bank account to a XXXX XXXX credit card. This payment was mistakenly made by my mother, who does not have access to my banking information. The payment information had been saved in the XXXX XXXX system from previous payments I made, and the error occurred when she attempted to make a payment without verifying the details.

As a result of this unauthorized transaction, my account balance became negative by - {$260.00}. In addition, my {$300.00} payment to another credit card company ( XXXX  XXXX ) was rejected, and I was charged two NSF ( Non-Sufficient Funds ) fees of {$35.00} each, further compounding the financial impact.

On the same day, XX/XX/year>, I contacted my bank to dispute the unauthorized payment. They opened a case to investigate the matter. However, on XX/XX/year>, the case was closed, with the bank stating that the transaction was legitimate because I had not disputed previous payments. This reasoning was irrelevant to the issue, as the prior payments had no connection to this unauthorized transaction.

I escalated the dispute by speaking with a representative named XXXX on the same day, who was dismissive and unprofessional. She accused me of allowing my mother to obtain my banking information. I explained that the information was saved in XXXX XXXX  system, and my mother did not have direct access to my bank details. Despite my explanation, the representative refused to reconsider the bank 's decision.

I then escalated the issue to the banks executive office, providing detailed documentation, including a declaration, a notice of intent to sue, and a draft civil complaint. On XX/XX/year>, the executive office notified me that they would resolve the case by XX/XX/year>. However, on XX/XX/year>, the bank once again denied my claim with the same unfounded reasoning and closed the case.

The bank has consistently failed to address the core issuethe unauthorized {$580.00} paymentand has relied on irrelevant arguments to avoid resolving the matter. I am seeking a reversal of the unauthorized payment, a refund of the two {$35.00} NSF fees, and compensation for the rejected {$300.00} payment to XXXX XXXX.
Consumer complaint received 2024-09-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (NC)

We refinanced our home. part of the refinancing used some funds to pay off open credit accounts. We mailed a 3rd party check to American Express made payable only to American express for {$11000.00}. After several week our account had not been paid off so i opened a dispute with American Express. Case # XXXX. 
A copy of the cleared check was provided b the mortgage company and i uploaded it to American Express.

after several days they came back and said the check had been cashed by someone at a XXXX XXXX XXXX. 
I went to XXXX XXXX, and was told that American Express had to contact XXXX XXXX to open an investigation on the stolen check since it was a 3rd party drafted check made payable to American Express. Me and my wife are not allowed to open a dispute or investigation with XXXX XXXX, they will only do that with American Express, since our name is not on the check.

I have been back and forth with American Express and they are refusing to contact XXXX XXXX since they did not cash the check. So currently i have a missing check for {$11000.00}. that full balance is on my American Express Card still, plus i have that amount lumped into my new mortgage payment. so currently i am being charged double interest on 1 balance, and am unable to get either American Express or XXXX XXXX to try to fix the situation.
Consumer complaint received 2024-09-10
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: CITIZENS FINANCIAL GROUP, INC. (NY)

Citizen one auto finance did a hard inquiry on my credit profile without my knowledge. I never gave my consent to the this bank to perform the inquiry. This happened on XX/XX/XXXX. 2023. Please remove this item from my credit profile. Thanks.
Consumer complaint received 2024-09-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (FL)

I am a XXXX XXXX XXXX XXXX, and as a result, my credit report contains fraudulent accounts and information. These accounts were opened without my knowledge or consent during a time when I was being exploited. I have been working to dispute these inaccuracies with XXXX, XXXX, and XXXX, providing police reports and supporting documentation. Despite these efforts, the inaccurate information remains, which has caused significant harm to my credit score and financial reputation. 

The incorrect information includes, but is not limited to, accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), along with wrong personal details such as addresses, employers, and even my name. I am requesting a full investigation into these fraudulent items and demand that they be removed from my credit report under the protections provided by the Fair Credit Reporting Act ( FCRA ) and the XXXX  Victims Protection Act ( TVPA ).
Consumer complaint received 2024-09-10
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (WA)

In XX/XX/2024, I applied for the American Express XXXX XXXX, which came with a welcome offer of XXXX Membership Rewards points after spending {$8000.00}. After I had spent approximately {$9000.00}, American Express denied the welcome offer, claiming that a popup notification at the time of application had informed me of my ineligibility for the offer. 

Im confident that no such popup appeared, as I did encounter the popup when applying for a different Amex card in XX/XX/2024. 

It seems this issue isnt unique to meothers have also applied for Amex cards without receiving a notification of ineligibility for the welcome offer, although such cases are rare. Discussions on the matter can be found in the following threads : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (IL)

I deposited {$400.00} into atm at usbank branch on XXXX XXXX XXXX I'll XXXX after I inserted money into the machine I got a receipt saying they are unable to credit my account or return the money I attempted to deposit. I don't have the luxury of being able to wait around for this money my money is needed immediately
Consumer complaint received 2024-09-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

In XX/XX/XXXX, I opened up new checking and savings accounts with Chase Bank after moving to California. On XX/XX/XXXX, I went in person to cash a check with a teller from XXXX, XXXX for a security deposit refund for {$2000.00}. On the same day, I also deposited XXXX smaller checks from XXXX XXXX XXXX for {$980.00} and {$490.00} via mobile deposit for insurance refunds. I also did a direct transfer of {$500.00} from an external bank ( Truist ) from my own personal account into the Chase account. Chase Bank locked my account shortly after these transactions, as the businesses " could not be verified '' as legitimate business through their verification system. I spoke with Chase customer support on the phone numerous times in an attempt to help verify these businesses, none of which helped get the funds released. These businesses were unable to put stop orders on their checks, as Chase Bank already cashed the checks. Furthermore, the businesses themselves are unable to assist in verifying their legitimacy, as they can not contact anyone from Chase 's verification system directly.

The first executive complaint was placed through one of these customer service phone calls with one of the representatives. I went in person to a Chase branch on XX/XX/XXXX, at which point separate complaints were filed and escalated to the executive level. Nothing has come of these complaints. It has been one year almost to the day. I visited another Chase branch today ( XX/XX/XXXX ), during which another complaint was filed and escalated. They at some point in this past year shut down my Chase account and have been holding these funds, including the personal transfer ( {$3900.00} total ), in a separate DDA account since that time. I am unable to access my money and no successful attempts to help me retrieve the money have been made.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Resolution Services Inc. (NY)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-10
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: EQUIFAX, INC. (TX)

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 

XXXX XXXX Balance : {$26000.00}.
Consumer complaint received 2024-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO Bank, N.A. (CA)

Paid on line for services on XXXX XXXX 2023, for {$48.00} which I didn't receive. Disputed the charge with my bank after I couldn't resolve the issue with merchant. Somehow my written dispute got lost and mishandled by BMO, I never received any response, I send it again, they claimed that BMO never received it until XXXX of this year, BMO accepted the my dispute by given a reference number. BMO continued to sit on my dispute until I send my complain letter to CEO +BOARD of Directors. Finally they closed my dispute, merchant can not to be found! Asking me to " go and deal with merchant ''
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Consumer complaint received 2024-09-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Navient Solutions, LLC. (NC)

XXXX XXXX and Navient are fraudulently using SSN and saying I owe debts that are not mine. They are using my SSN without my authorization and turning around and saying I owe them. This is considered Identity theft. I was part of the data breach back in XXXX of XX/XX/XXXX. I was notified by XXXX about their wrongdoings. I also was notified recently that my Social Security Number was part of a data breach. I have ongoing correspondence with XXXX XXXX that I do not owe the debts that are alleged on my consumer credit profile. Acct # XXXX XXXX XXXX and XXXX ( XXXX XXXX ). Both accounts are paid for and XXXX does not have evidence that I owe a debt. I asked XXXX to send proof via the ledger on the account and a sworn statement under the penalty of perjury saying I owe them the alleged amount. I'm also asking Navient to do the same as I do not owe this company. I did not sign any contracts with Navient. I want to see the ledger showing I took out a loan. Then a signed statement under the penalty of perjury saying the debt belongs to me. XXXX XXXX and Navient using my private information with third parties and that was not authorized. Attached is the identity report I filed with the FTC.