davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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.
Consumer complaint received 2024-09-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (CA)

chime offers a service called mypay. Line of credit given until next t payday. My limitwas XXXX. I used XXXX of it leaving XXXX. When I went to transfer the XXXX over to my checking, it was gone. Im on a fixed income and the credit was acccounted for in paying my bills. When asked many people ( callled many times ) the answers were all over the place. This isnt the first problem i have had with them. They will not answer questions and talk in circles. becaause of their error, bills will not get paid
Consumer complaint received 2023-09-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

I got a notification that my account had been suspended, without any warning. I called Chase to find out the reasoning and what was going on. They refused to give any details, aside from telling me that due to the contract, Chase had the right to close at anytime without any warning or reasoning provided to me. I called multiple times and they kept giving me the same answer. All they kept say is " We understand ''. Not even caring when i said all my funds for bills and rent were through the account. I had bills to pay in the next few days. And without the account, i had no way of paying. And they said we will send a check with the money left over, which would not help me pay the bills on time. Very unhelpful, and unprofessional. I have not done anything to deserve the closure, and they wouldnt even tell me what caused the suspension in the first place.
Consumer complaint received 2023-09-21
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: Experian Information Solutions Inc. (FL)

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 2024-08-10
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. (OH)

I am writing to bring to your attention a pressing matter that has been causing me significant distress and financial inconvenience over the past XXXX months. It has come to my notice that there is a fraudulent credit card account listed on my credit report, which is negatively impacting my credit profile. 

I have been in contact with both [ Credit Bureaus and XXXX XXXX XXXX XXXX multiple times to rectify this issue, providing all necessary documentation and evidence to support my claim of fraudulent activity on this account. Despite my efforts and repeated requests for investigation, the erroneous information continues to be reported on my credit profile. 

This inaccurate listing is damaging my credit score and hindering my ability to access financial services and products that I need. I have taken all necessary steps outlined in the Fair Credit Reporting Act to dispute this fraudulent account, yet the resolution of this matter remains pending.
Consumer complaint received 2023-09-21
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. (CA)

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 2024-09-03
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/year> I contacted JPMC customer service with questions about the upcoming launch of the XXXX XXXX  XXXX. I was specifically assured that as an authorized user of the Chase Sapphire Reserve XXXX XXXX  that I would be able to add the CSR to my XXXX XXXX XXXX. However, when the XXXX XXXX XXXX launched in the past few days I have been unable to add my CSR credit card and now JPMC customer service is walking back their prior comments. This is 1000 % unacceptable ( see supporting documentation )!
Consumer complaint received 2023-09-20
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. (NC)

Reference : XXXX XXXX XXXX  acct # XXXX ; CFPB XXXX ; NC DOJ XXXX XXXX XXXX, XXXX NC DOJ Consumer Protection Specialist XXXX XXXX ; and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Regulatory Resolution Specialists XXXX XXXX and XXXX XXXX. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I notified Transunion, XXXX, XXXX, and XXXX XXXX XXXX that I recognized incomplete and inaccurate information pertaining to my credit report and requested a re-investigation. The results were verified as accurate despite my countless attempts to resolve the concern. XXXX XXXX XXXXXXXX Regulatory Resolution Specialist XXXX XXXX called me on XX/XX/XXXX around XXXX XXXX est to discuss the complaints I filed with the CFPB and NC attorney generals office. She confirmed XX/XX/XXXX payment indeed was not 30 days late, and they were in receipt of payment as of XX/XX/XXXX, which means XXXX XXXX XXXXXXXX, Transunion, XXXX, and XXXX were in violation of 15 USC 1681s-2 ( a ) ( 1 ) ( A ) and 15 USC 1681s-2 ( a ) ( 1 ) ( B ). In fact, she also confirmed the accommodation [ defined by 15 USC 1681s-2 ( a ) ( 1 ) ( F ) ( i ) ( I ) ] I received from XXXX XXXX XXXXXXXX was honored and in effect during the timeframe I was reported 30 days late after they were in receipt of federal/state funds from Crisis and North Carolina Homeowner Assistance Fund ( NCHAF ) in XXXX. The funding was given due to my being affected by Covid-19. According to 15 USC 1681s-2 ( a ) ( 1 ) ( F ) ( i ) ( ( II ) ( ii ) ( I ), XXXX XXXX  XXXX violated my rights by inaccurately reporting this account as 30 days late XX/XX/XXXX and XX/XX/XXXX. Lastly, I previously provided copies of my ID, SS card, and utility bill to each credit reporting agency and requested my personal information be corrected. However, there are still multiple errors, such as variations or misspellings of my name, multiple addresses or errors to my addresses, and my employer information. I contacted each of my creditors, who advised me they had my correct legal name and address. These errors have caused me so much anguish and damage, such as having to pay XXXX of dollars in interest, being denied credit, being denied the ability to refinance, and much more. Had Transunion, XXXX, and XXXX completed a VALID re-investigation, this would not have affected me as greatly.
Consumer complaint received 2024-08-10
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Fraudulent Account XXXX ( Account Number : XXXX ) To Whom It May Concern, I am writing to formally dispute the accuracy and validity of the XXXX account ( Account Number : XXXX ) that appears on my credit report. This account is not mine and was opened as a result of identity theft. 

As supporting evidence, I am including the following documentation : 1. XXXX XXXX XXXX XXXX A letter from XXXX XXXX XXXX dated XX/XX/XXXX, confirms that the XXXX account , which is currently owned by XXXX XXXX XXXX XXXX was found to be fraudulent. As a result, the account has been closed, and a request to delete the tradeline from my credit report has been submitted to the credit bureaus. This letter serves as proof that the account was fraudulent and should be permanently removed from my credit report. 
2. FTC Identity Theft Report I have filed an FTC Identity Theft Affidavit ( FTC Report Number : XXXX ), detailing the fraudulent accounts, including the XXXX account . This report confirms that I am a victim of identity theft and supports the removal of these fraudulent accounts from my credit report. 
3. Identity Verification Documents I have included a copy of my California ID and Social Security card to verify my identity. 
XXXX. XXXX XXXX XXXX A document from XXXX XXXX, which bought the account from XXXX, stating that the account is fraudulent and should be removed from my credit report. 

In light of this evidence, I request that you immediately delete the XXXX account ( Account Number : XXXX ) from my credit report. This account was opened without my authorization, and its presence on my credit file is severely impacting my creditworthiness. 

Please confirm in writing that this account has been removed from my credit report. I appreciate your prompt attention to this matter. 

I will be including in this letter, these attachments XXXX. XXXX - Experian - XXXX XXXX. California XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX. XXXX XXXX ( XXXX XXXX ) XXXX. Social Security XXXX ( XXXX XXXX ) XXXX. XXXX - XXXX XXXX These files include documents related to your dispute with Experian, your identity verification ( California drivers license and Social Security card ), a letter from XXXX, and additional supporting documents. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-18
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. (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. 

XXXX  XXXX : XXXX XXXX  : XXXX XXXX  XXXX : XXXX 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

I have been a victim of Identity Theft. My information has been exposed in the XXXX data breach. The following items are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

I recently received a copy of my 3 Bureaus consumer report and I noticed inaccurate information posted on my consumer report : XXXX  XXXX XXXX Balance Owed : {$8100.00}
Consumer complaint received 2023-09-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NY)

XXXX XXXX XXXX charged {$1000.00} on my Citibank debit card. 
XX/XX/23 XXXX charged {$2000.00} on my Citibank debit card ( {$1000.00} of this was credited back the next day ). 
Citibank owes me {$2000.00}. 
I was a victim of identity fraud. I have spent the last 9 months trying to get my money back from Citibank. They keep opening and closing cases. They won't speak with me directly. I've followed all the requirements and hoops that Citibank has had me jump through. I have filed a report with XXXX Police Dept as well. 
Most recently, Citibank has told me it's too late to get my money back. I have been fighting this as soon as I found out about it.

The Citibank fraud dept is set up so that you can never talk to the person making the decision and then they mail you a letter to say your case is closed. It says you can request documents for why they made this decision, but I never received them after I requested them.
Consumer complaint received 2023-09-21
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. (CA)

I am respectfully asking the XXXX, XXXX and TransUnion Credit Bureaus, to kindly please REMOVE these items listed in this complaint. I am sending this complaint as a follow up in making sure that these items listed below are removed from my credit reports. I am asking that the XXXX Credit Bureaus to please see the these items below and remove them in my credit reports : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-10
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. (MA)

In accordance with the fair credit reporting act accounting # XXXX has violated my right. 
15 U.S.C1681Section 602A.State i have the right to privacy.

15 U.S.C1681Section section 604 A Section 2. It also State a consumer reporting agency can not furnish a account without my written instruccin. In addition to this account, you have different account numbers : XXXX for Experian and XXXX, and XXXX for XXXX, as well as several errors in dates and comments.
Consumer complaint received 2023-07-27
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)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, NYXXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXXXXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$10.00}.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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 than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Update to paid as aggree 4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove this inquiry from my credit report 10. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX  XXXX, XXXX, XXXX XXXX
Consumer complaint received 2023-09-21
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. (NV)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2016-04-08
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (PA)

I am unable to make teh required payment on my private student loans from Navient. I have requested that they only contact me via mail on this matter and that they no longer contact third parties ( friends and family members ). They continue to do so however, and are claiming in their most recent letter that tehy can do so. I 'm attaching that letter and my response. 

Thanks you.
Consumer complaint received 2023-09-21
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)

Credit Reporting agency was updated by me and sent certified letter on XX/XX/ of blocking of account due to account not mine and illegally reporting actions. Company failed to update personal consumer report within four days as required by law. Proof provided that account in question is owned by entity and not by me personally in which this account is being reported
Consumer complaint received 2023-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (WI)

As stated earlier I went to US Bank to see why my social security check had not been received.The teller checked and told me she did not see a direct deposit today from social security. I left the bank and went to the local social security office. The person who assisted me ran a print out that verified with a trace # XXXX that showed that the bank and received the check and it had been processed. I went back to the bank and asked to speak with a banker and someone came out to assist me After speaking with a banker I was told that a hard hold was put on my account because I filed a XXXX  XXXX. I have a debit card with US Bank located at XXXX XXXX XXXX XXXX, XXXX, Wisconsin, not a credit card. I am trying to find out why would it be necessary to put a hard hold on my account. I am the owner of that checking account. This too can be verified. XXXX XXXX XXXX
Consumer complaint received 2024-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: VYSTAR CREDIT UNION (FL)

My institution, XXXX XXXX was bought by vystar. The account migration was supposed to happen yesterday. It didn't work. So I had no access to my accounts, no access to my funds and no way to contact anyone. I have been waiting on hold for over an hour already this morning and still no response. 
Totally unnacceptable.