davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

This morning, I was completely shocked to find inaccurate accounts on my credit report, and I have no idea how they got there. I check my report regularly, but this time, there were random discrepancies that I wasnt expecting at all. I even refreshed my browser hoping it was some sort of glitch, but they still showed up. I am extremely concerned, and I need the documents Ive sent to be reviewed thoroughly, so I dont have to stress about this ever again.
Consumer complaint received 2024-09-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately.

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity.

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

I was very ill and got an text message at XXXX on XX/XX/year> alerting me to a declined charge for something like {$190.00} from XXXX XXXX asking me if this was me that was making the purchase, and to reply yes or no. I responded XXXX immediately and they closed my card because clearky that was a fraudulent charge, so they said they will send out a new card. So I go into my chase account to check for any other fraudulent charges and my checking account was empty and my savings account only had {$42.00} and some change remaining. 5 charges from 5 different XXXX and XXXX charges from XXXX XXXX XXXX XXXX XXXX. When disputed they denied me twice and I brought evidence that one, clearly shows that I don't and has never usted apple pay. I have an XXXX. And XXXX, I use XXXX pay when making my purchases. Either with online purchases, or tap by phone in person. My last purchase using my XXXXXXXX XXXX digital tap with my phone was on XX/XX/year> at XXXX XXXX  These fraudulent purchases were made XXXX online using stores from multiple XXXX. That if matched with my past and present purchase history, during the Banks ' investigation, would clearly show that's a red flag. I was basically robbed, and my money was supposed to be protected. I've been treated very unfairly and their decision is unjust. I want and desreve my money back immediately. It's been XXXX weeks and still no change.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AR)

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 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 2024-10-21
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (FL)

Good evening, I was paid a compensation for participating in the beta testing of a new educational software. 

The payment was in the form of XXXX XXXX Rewards Prepaid cards issued by Incomm Financial Incentives. 

The payment was issued in two ( 2 ) XXXX $ prepaid XXXX XXXX XXXX. 

The advertisement is misleading. The company claims the prepaid cards can be used anywhere online and in-person, also added to online wallets such as XXXX XXXX XXXX XXXX XXXX XXXX a XXXX XXXX , and more. 

They also claim it can be used like a regular credit card anywhere XXXX XXXX is accepted. 

This is not true. 

I have tried unsuccessfully to add my card and use it in many online stores only to be declined because of ZIP code security or the order just being stuck in a processing limbo without confirmation. 

These cards shouldn't be sold if they are not going to satisfy the benefits the company promise and advertise. 

I tried to add it to my XXXX XXXX  : Didn't work I tried to add it to my XXXX : Didn't work I tried to add it to a mobile Wallet XXXX and XXXX : Straight out rejected them. 

I tried adding it to my XXXX account to pay for groceries and rideshares : Didn't work. 

All of these companies accept regular XXXX XXXX cards. 

The company claims the prepaid cards will work in any merchant which accepts XXXX XXXX, which is utterly misleading. 

In the attached documents, I will display all the declined transactions and the prepaid cards information.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) to formally request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that XXXX, block information on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. 

The fraudulent and inaccurate information consists of the following accounts 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/year> These accounts have resulted in multiple fraudulent hard inquiries and collections appearing on my FICO credit report. I have attached a list of the fraudulent hard inquiries as well as a copy of my consumer FICO credit report, which highlights the aforementioned fraudulent items. 

I do not recognize these accounts, collections, or hard inquiries, and I did not authorize their opening. All of these entries are a direct result of identity theft and fraud. Additionally, I have attached a copy of my FTC identity theft complaint ( XXXX XXXXXXXX ) from the U.S. Federal Trade Commission, which serves as proof that these accounts and inquiries are fraudulent. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-09
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)

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 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
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (GA)

They reported wrongful information about dismissed bankruptcy on my credit report and I asked them where they got this wrongful information from? They said the court house provided them the information, but the court house said they never shared any information with any credit report agencies which Im uploading the letter from the court house
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (UT)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Bankruptcy : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX XX/XX/XXXX Court : U.S. Bankruptcy Court XXXX XXXX Bankruptcy XXXX XX/XX/XXXX Court : U.S. Bankruptcy Court Late Payment : XXXX XXXX XXXX XXXX Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX XXXX, UT XXXX Previous Address ( es ) : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX, UT XXXX Employers : XXXX XXXX Employers : RETIRED Employers : XXXX XXXX XXXX Employers : XXXX XXXX XXXX Former : XXXX XXXX XXXX Name : XXXX XXXX XXXX
Consumer complaint received 2024-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (TX)

I open a checking and savings account to sign up for autopay to a credit card I have with the same company. They tried to verify I wasnt a fraudster, and want me to read a code they sent to a phone number that doesnt belong to me. I asked them to send that to my number, but they insist that they can only send it to the phone number provided to them by the credit bureau. As a result of that, they have locked my online account, I can not access my funds. I had previously verified all the information they asked for, and asked them to update my phone number, but they insist that they can only verify my account by sending a verification code to the phone number provided to them by the credit bureau, which is not my true number.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I filed a credit freeze for a minor child with Experian. 

Today, a confirmation letter arrived via postal mail but Experian recorded the wrong address for my child. 

The USPS mail carrier asked me to correct the address. 

I called Experian 's number ( XXXX ) XXXX, which was included in the letter, but could not navigate the automated system to a point where the address could be corrected. 

I also tried their headquarters at ( XXXX ) XXXX without success Experian already has all the information, including the birth certificate and my driver 's license. They can see the error from their records. 

The phone seems a safer choice than mail since they have the wrong address.
Consumer complaint received 2024-10-21
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (FL)

Good evening, I was paid a compensation for participating in the beta testing of a new educational software.

The payment was in the form of XXXX XXXX XXXX Prepaid cards issued by XXXX XXXX XXXX. 

The payment was issued in two ( 2 ) XXXX XXXX prepaid XXXX XXXX XXXX. 

The advertisement is misleading. The company claims the prepaid cards can be used anywhere online and in-person, also added to online wallets such as XXXX XXXX XXXX XXXX XXXX XXXX a XXXX XXXX XXXX and more. 

They also claim it can be used like a regular credit card anywhere XXXX XXXX is accepted. 

This is not true.

I have tried unsuccessfully to add my card and use it in many online stores only to be declined because of ZIP code security or the order just being stuck in a processing limbo without confirmation.

These cards shouldn't be sold if they are not going to satisfy the benefits the company promise and advertise. 

I tried to add it to my XXXX XXXX : Didn't work I tried to add it to my XXXX : Didn't work I tried to add it to a mobile Wallet XXXX and XXXX : Straight out rejected them. 

I tried adding it to my XXXX account to pay for groceries and rideshares : Didn't work. 

All of these companies accept regular XXXX XXXX cards. 

The company claims the prepaid cards will work in any merchant which accepts XXXX XXXX, which is utterly misleading. 

In the attached documents, I will display all the declined transactions and the prepaid cards information.
Consumer complaint received 2024-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (DE)

I received an escrow disbursement check from my mortgage company ( XXXX XXXX XXXX ) for a little over XXXX and deposited it into my J.P Morgan Chase checking account on XX/XX/year>. I was told that they needed to speak to the mortgage company to verify the check before the funds could be released. I provided them with every phone number XXXX XXXX XXXX  has available as well as the phone numbers to XXXX XXXX, which is the servicer/lender for the company. Both XXXX XXXX XXXX and XXXX XXXX are on the check. Every phone number provided Chase claimed was not a " verified '' phone number and they refused any other form of proof from either company. Chase spoke with someone from XXXX XXXX in a three way call and I was told the check had been verified and it would be another 4-5 days before my check was deposited. I called a few days later only to have them tell me that they were not going to be able to deposit the check because speaking to the company that way was not a " verified '' or legitimate way of verifying the check. I told them I was just going to cancel the check and have the company send me another so I could deposit it somewhere else. As soon as I told them that they deposited my check and are holding it in a suspended account. They are saying they can hold the funds for up to two years. I was told by my mortgage company that I should contact an attorney which I am in the process of and to file this complaint. This is not right. We were counting on this check. This should be illegal.
Consumer complaint received 2024-09-09
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. (TX)

Identity theft-related accounts appear on my consumer report without my written authorization or wet signature. Following my recent communication with your organization on this issue, I formally request the immediate blocking and removal of these accounts from my report. Their presence has caused considerable emotional and financial strain by misrepresenting my credit history and obligations. If this matter is not adequately resolved, I am ready to pursue legal action to defend my rights. These fraudulent entries have impeded my ability to achieve crucial financial objectives, including home ownership and meeting my family 's needs.
Consumer complaint received 2024-10-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Fay Servicing, LLC (FL)

I received a letter from my mortgage servicer, Fay Servicing , LLC, on XX/XX/2024 ( dated XX/XX/2024 ) that XXXX updated their flood zone maps on XX/XX/2024, and my home now requires flood insurance. They offered to purchase on my behalf if I did not purchase it. 
I purchased flood insurance the following day XX/XX/2024. 
I found out at that time that XXXX updated their flood zone maps effective XX/XX/2024 - and that despite that Fay Servicing was going to charge me for unnecessary insurance coverage they would purchase on my behalf, without providing me information on who it is with or exact cost, effective XX/XX/XXXX -- almost XXXX full months of unnecessary coverage. 
I called multiple times to try to rectify and was unsuccessful with the various people I spoke with. I would have liked the option to XXXX ) fix the date with XXXX, and if needed XXXX ) purchase my own retroactive insurance coverage so I would have some visibility into the cost. 
Fay Servicing asked me to complete a XXXX application ( Letter of XXXX XXXX ) with XXXX, which XXXX told me is not for this case because I am not trying to dispute my home being in a flood zone, i am disputing the date XXXX mapped me into a flood zone. 
I am complaining about the required purchase of 2 months of insurance that I am not mandated to get based on the flood map update date, and Fay Servicing 's duplicitous handling and billing of extra moneys/purchases of insurance, and lack of transparency despite inquiring on their customer service line multiple times. 
There has also been no information posted to my online portal with Fay Servicing.
Consumer complaint received 2024-10-21
Product: Credit 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: GOLDMAN SACHS BANK USA (TX)

The timeline is listed below. Apples credit card ( Goldman Sachs ) is refusing to credit a transaction from the Apple store, which they have no record of in the Apple store. They refused to investigate, as I had talked to multiple departments. : Apple merchant services, Apple Phone support, Apple Store, Apple subscription services, and a few departments. I do not know what they do. Apple Inc. has no record of my card/Apple ID used in the Apple store. Furthermore, the dispute resolution notes at Apple card service ( Goldman Sachs ) do not have a reason for the decision to favor the merchant ( Apple Store ). Apple 's credit card ( Goldman Sachs ) decided not to give me my credit back for no reason. Please help! Note : Apple cards do not have a number listed on the cards like normal merchant credit cards, and the transaction was made with my Apple ID, XXXX, under a virtual card number I have no access to. There is no way I could have made an Apple store purchase without it being connected to my Apple ID ( XXXX ) Transaction : Apple store purchase : XX/XX/XXXX {$1100.00} Dispute case number : XXXX I contacted Apple card support ( Goldman Sachs ) XXXX XX/XX/XXXX when I noticed the transaction on my account. They submitted a dispute and credited my account {$1100.00}. They requested I call the Apple store. I contacted the Apple store, and they confirmed no transaction connected to my Apple ID or card. I called Apple Card Support ( Goldman Sachs ), and they resubmitted the dispute. 

XX/XX/XXXX : I contacted Apple support ( Goldman Sachs ) because they declined the disputed transaction. They told me to contact Apple Store to see who made the transaction. After speaking with multiple departments, they confirmed they have no record of the card attached to my Apple ID being used to purchase anything in the Apple store. 
XX/XX/XXXX : I received a notification that my dispute was declined. I called Apple support ( Goldman Sachs ), and they submitted another dispute and requested call back.
Consumer complaint received 2024-09-09
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. (MD)

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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.