davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-30
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. (TX)

FCRA VIOLATIONS ; NOT MY INFORMATION PLEASE REMOVE INCORRECT ACCOUNTS SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXs Account charged off. {$6800.00} written off. {$6800.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$6800.00} Highest balance {$6800.00} Monthly payment - Last payment date XX/XX/XXXX Contact info Address XXXX XXXX XXXX XXXX, MN XXXX Phone number ( XXXX ) XXXX XXXX XXXX Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Contact info Address XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX number XXXX XXXX ) XXXX
Consumer complaint received 2024-09-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc. (TX)

On or near XX/XX/year>, a pop up tent for a gym called XXXX XXXX took down my personal information to include name and general contact info. I did not hear anything further from this company. 

In XXXX of 2024 I was alerted to a negative tradeline reported to XXXX regarding a debt owed to XXXX XXXX. I attempted to get information on this debt from XXXX XXXX first, they not only refused to give evidence of consent to open an account bearing any signatures, but they also refused to let me see " my own '' credit card information on file, only that the card was a XXXX card ending in four numbers. 

The negative tradeline was submitted by a debt collector First Credit services, an agency known for this exact problem, but using several different gyms. 

I checked all three XXXX agencies, no evidence of a card bearing those numbers was found under my name. I disputed the XXXX XXXX as fraud, and requested that the debt collector cease all further contact. 

The whole ordeal seems like one large scam, a debt collector or gym fabricates a debt in my name to pay, and then demands that I prove it is a false debt. Right now there are over XXXX XXXX XXXX complaints over similar situations and the debt collector only seems to back down when FDCPA or CFPB is mentioned. 

Any guidance your organization can provide on how to deal with this would be greatly appreciated.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL (GA)

Pursuant to 15 USC 1605a the finance charge included the sum of all charges so therefore this late payment is illegal and not valid please delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (FL)

Frontier charged my Frontier Mastercard {$590.00} on XX/XX/2024. I disputed the charge with Mastercard, having no idea what it was for. Mastercard temporarily credited the {$590.00} but was unable to tell me what the charge was for. Mastercard subsequently placed the charge back on my credit card and closed my dispute, allegedly because I failed to return two ( 2 ) phone calls. ( I have no record of any voicemail messages from Mastercard. ). Mastercard referred me to Frontier for resolution. Frontier now refuses to remove the {$590.00} charge for a XXXX Pass that I did not authorize and do not have on my account because I filed a dispute with Mastercard. I informed Frontier that the dispute is closed ; I never authorized this charge ; and I do not have access to this XXXX pass. Frontier advised today that they also consider the matter closed. I have been charged {$590.00} for something I do not want - never authorized - and do not have. Sounds like an illegal scheme between Frontier and Frontier Mastercard to cheat people out of {$590.00} plus interest.
Consumer complaint received 2024-08-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

To Whom It May Concern, I am writing to file a formal complaint against TransUnion for its failure to accurately report and properly investigate disputed information on my credit report. The following accounts are being reported inaccurately : XXXXXXXX XXXX - Account Number : XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX - Account Numbers : XXXX and XXXX I have disputed these accounts multiple times with TransUnion, requesting that a thorough investigation be conducted and that these inaccuracies be corrected or removed from my credit report. However, despite my repeated efforts, TransUnion has refused to conduct a complete and proper investigation, and the inaccurate information remains on my report. 

This negligence not only violates my rights under the Fair Credit Reporting Act ( FCRA ) but also has the potential to cause significant harm to my creditworthiness and financial standing. 

I am requesting that the CFPB intervene in this matter and ensure that TransUnion conducts a full and accurate investigation of these disputed accounts. If the accounts can not be verified or corrected, they should be promptly removed from my credit report. 

Thank you for your attention to this serious issue.
Consumer complaint received 2024-08-15
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV INC. (CA)

I had a total of XXXX ATM withdrawal totaling XXXX dollars of unauthorized transactions/ withdrawals from a ATM. I with up load a pic with dates, location and amounts of transactions. I disputed and even appeal it and was denied cause they stated I didnt send in additional information besides the dispute but I did send in the police report which was additional information and had my local department investigate the fraud done to me. They refused to refund me after they did tell me my account was compromised. They also made some errors on there end on the dispute.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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 XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX and 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.

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 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: AMERICAN EXPRESS COMPANY (NE)

I am writing to file a formal complaint against AMERICAN EXPRESS for unauthorized and inaccurate reporting on my credit report. Specifically, a charge-off amount of {$4900.00} was reported by AMERICAN EXPRESS XXXX XX/XX/XXXX XXXXXXXX XXXX, which is not only erroneous but also violates several federal laws designed to protect consumer rights. Violations of the Fair Credit Reporting Act and Related Regulations 1. Violation of 15 U.S. Code 1681c-2 : As a victim of identity theft, I have informed the credit bureaus of this issue and requested the removal of the fraudulent information. According to this statute, a consumer reporting agency is required to block the reporting of any information resulting from identity theft no later than 4 business days after receiving such notification. It has now been 30 days since my notification, and this information remains on my report. This delay is a direct violation of my rights under this provision. I demand that these items be deleted from my credit report IMMEDIATELY. 2. Violation of 15 U.S.C. 1681a ( 2 ) ( A ) ( 1 ) : This statute specifies that no income, transactions, or experiences should be reported on consumer credit reports. The entry by AMERICAN EXPRESS includes information related to income and transactions that are unauthorized and not permissible under the FCRA. 3. Violation of 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports : Under this section, a consumer report may only be furnished under certain specific circumstances, such as in accordance with the written instructions of the consumer. I have never provided written consent to any consumer reporting agency to report the information in question. Reporting without my consent constitutes identity theft and a violation of my rights as a federally protected consumer. 4. Violation of 15 U.S. Code 1602 ( p ) : This provision defines the terms related to credit and associated transactions. The reporting of a charge-off amount does not meet the criteria for reportable information under this statute, and therefore, it should not be included in my consumer credit report.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

There are some obvious errors in some of my accounts. Please delete these items immediately. It looks like someone literally started a life using my information. I have always paid things in cash and was astounded when I had someone look at my credit. I had previously hired a credit repair company to handle this for me a couple months ago. However, I think they are used to dealing with clients who are ACTUALLY GUILTY. So, I am trying to handle this myself. At the very least please delete these items below until a thorough investigation has taken place. I can barely purchase a bottle of water with what my credit looks like now. I have attached my passport and ID to verify my identity. I assure you none of these accounts will have MY SIGNATURE. Any signatures you may have is due to the person mentioned in the IDENTITY THEFT REPORT stealing my identity and literally starting a life with my information. This is not a Dispute Letter but a Letter of Suppression of the items stated below due to identity theft. 
Account XXXX with XXXX XXXX XXXX Account # XXXX with XXXX  XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX Account ID : XXXX XXXX XXXX XXXX Account ID : XXXX XXXX XXXX  Account ID : XXXX XXXX Account ID : XXXX XXXX  Account ID : XXXX XXXX XXXX Account ID : XXXX XXXX XXXX  Account ID : XXXX XXXX  XXXX  XXXX  Account ID : XXXX XXXX XXXX Account ID : XXXX XXXX XXXX XXXX Account ID : XXXX
Consumer complaint received 2024-09-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (MN)

On XX/XX/year>, I called Chase customer service to close my Chase XXXX account. During the call, I requested to have a check for the remaining account balance sent to my personal address. In early XXXX, I received a statement showing that my account had been closed as of XX/XX/year>, and that the remaining funds had been withdrawn. However, I had not received a check. 

Subsequently, I called Chase 's customer service helpline on multiple dates, including XX/XX/XXXX. Each time, I was told that the company would assign someone to look into the issue and follow up with me. However, no one reached out to me. 

Finally, on XX/XX/year>, I went to my local Chase branch to meet with a representative in person. The representative informed me that the check had not been mailed because, per Chase policy, accounts with a balance of over {$1000.00} could not be closed over the phone. ( I was not informed of this during the XX/XX/year> call, even though my account balance was in excess of this. ) The representative asked me to sign an affidavit declaring that I had not received a check and told me that I should expect to receive a check with my account balance by XXXX XXXX. However, I still have not received a check.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-15
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. (TX)

I submitted in writing for the three credit bureaus XXXX XXXX and XXXX to be removed off my credit report. The U S Bankruptcy verified they do report to the credit bureaus. They refused to removed the bankruptcy.
Consumer complaint received 2024-08-15
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: EQUIFAX, INC. (MO)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX # XXXX XXXXXXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am personally filing this complaint regarding late payments on my credit record. After inspecting my credit report, I found these late payment entries. I sent correspondence over a month ago but have received no reply, nor has adequate validation been provided. I am now seeking your help to address this issue.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I OBTAINED ANOTHER COPY OF MY CREDIT REPORT AFTER BEING ADVISED MY INFO HAS BEEN INVOLVED IN A DATA BREACH, I NOTICED ANOTHER ACCOUNT THAT I HAVE NO KNOWLEDGE OF HAS BEEN ADDED TO MY ACCOUNT. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND CERTIFIED MAIL. I REQUESTED THAT THE ACCOUNT BE VERIFIED, AND THIS ACCOUNT IS UNVERIFIABLE BUT STILL BEING REPORTED TO MY CONSUMER PROFILE. 

I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681.

FURTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2.

REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB
Consumer complaint received 2024-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MO)

I applied for a loan for XXXX dollars thru XXXX XXXX on XXXX XX/XX/XXXX. Multiple deposits were made to my checking account in the amounts of XXXX, XXXX, and XXXX. I was instructed to go to XXXX and return the XXXX their money transfer service. I was notified by my bank, USAA, Dispute Resolution, that the merchant had not received payment. I assume, since these deposits ( XXXX, XXXX, and XXXX ) were temporary credits, when the time came to settle the transfers through XXXX, the funds were no longer available, which left me responsible for responsible to XXXX and or USAA for XXXX. On XXXX XX/XX/XXXX, USAA satisfied the obligation to XXXX, leaving my account over XXXX in arrears. My mortgage is due on XXXX XX/XX/XXXX and will be late, it I'm able to pay it at all.
Consumer complaint received 2024-08-15
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: EQUIFAX, INC. (TX)

My repeated efforts to resolve the issue of false, incorrect, and misleading data on my consumer report have been unsuccessful. These inaccuracies continue to severely disrupt my life, causing substantial distress. I must emphasize that I never approved or agreed to have this information linked to my identity, as I have been a victim of identity theft.
Consumer complaint received 2024-08-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Coinbase, Inc. (TX)

I have been trying to close my account and transfer funds to my XXXX account. They have been verifying XXXX account for months.They continue to take money out of my XXXX account and are not returning. Since XX/XX/year>, they have taken XXXX dollars and only returned XXXX. I have not received my balance in my XXXX account. They are not only holding on to my cash balance for months but are taking more money from my XXXX account. I have asked when my verification money will be returned and they keep pushing the date farther out.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NY)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries.
Consumer complaint received 2024-09-14
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: CORELOGIC INC (MS)

There are several inquiries on my credit report that I did not authorize. I did not authorize XXXX XXXX XXXX, nor XXXX XXXX  to run my credit. XXXX and XXXX inquired on XXXX XXXX XXXX XXXX  inquired on XX/XX/XXXX and XXXX XXXX inquired several different times, some back to back ; XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX, per my credit report.
Consumer complaint received 2024-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (VA)

i have XXXX accounts with citi bank never missed a payment never have been late wake up found XXXX accounts closed without no response no customer service wanted to give me an answer thats unacceptable for them to close my account since i have been a loyal customer for years and now i cant even access the accounts to make a payment