davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CT)

On XXXX XXXX  I was double charged by a company for what shouldve been a single {$350.00} transaction. Despite both charges reflecting on my account, the company only had a single transaction on their end. They mentioned I should reach out to my bank. 

I then called Chase and filed a claim for the duplicate charge. They opened a claim and Id envisioned all was settled. On the sixth of XXXX, I returned the items to the company. Once the return was processed, Chase ended up denying my claim. This was an incorrect move because I filed the claim for the duplicate charge, not the original purchase. I called the Chase Claims department back and reopened the claim. They asked for the proof of purchase/return so I provided it to them as a PDF. This claim was then denied due to lack of sufficient evidence so I also requested a statement from the company explaining the situation from their perspective ; this was then included on a follow up claim. 

A week or XXXX later, after not hearing back about my claim, I call Chase Claims department back to find out more information about its status. I was informed that it was denied again for similar reasoning. I spoke with a supervisor who ended up just relaying the same information and suggesting I submit a print out of a physical receipt. On XX/XX/XXXX, I submitted an image of the physical receipts and called to reopen the claim. 

I called 5 days after submitting that document to check in. They said theyd pass it on and to call back at a later time. I called again about a week later and was told the claim was denied. Unfortunately I had to cut this call short as itd already been a XXXX minute phone call. 

Today, XX/XX/XXXX I tried to call again about my claim. I was told it was denied again for lack of sufficient evidence. When asking what sufficient evidence was required, they said they could give no recommendation on what else to give. How am I as the customer supposed to know what other evidence is required for their investigation? The person on the phone came off very rude and unhelpful, just reading from a script and running me in circles. 

To this day, nearly 100 days since the disputed charge, Chase has been unhelpful in resolving this situation and continues to provide no assistance.
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)

I was completely shocked to see inaccurate accounts suddenly appear on my credit report this morning. I have no idea how this could have happened. I regularly check my report, and everything had been fine until today, but now there are strange discrepancies. I even refreshed my browser thinking it might be a glitch, but the errors persisted. These accounts just wont go away, and Im really concerned. Im requesting a thorough review of the documents Ive submitted, so I dont have to deal with this stress ever again.
Consumer complaint received 2023-04-21
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)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-10-27
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: JPMORGAN CHASE & CO. (LA)

This is a list of companies reporting to my consumer report without my permission and Im requesting to get them deleted asap! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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>
Consumer complaint received 2024-10-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Prince Parker & Associates (CA)

Hello and good day, can't stress enough on how frustrating and debilitating this is, you wake up one day and to your surprise you have a debt you know nothing about, unverified and that simply just isn't yours, receiving harassments from a multitude of communication platforms and with different tactics, I never dreamt of eating threats of legal action for breakfast. This is really insulting to me as a law-abiding citizen, having my rights as a consumer blatantly violated. It's taking a toll on my mental health and having sleepless nights due to XXXX
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (TX)

I am writing to formally dispute the reporting of an account under my credit file, listed as an authorized user account with the partial account number XXXX. Please be advised that I was never added as an authorized user on this or any similar account, and I have no family members or friends whom I personally asked to add me to their credit accounts. This account was opened without my knowledge or consent. 

It is likely that my personal information was compromised as a result of a data breach, which has led to this unauthorized account being inaccurately associated with me. I have attached supporting documents showing the breach incident for your review. 

Since I have no legal or financial responsibility for this account and was never involved in its creation or use, I am requesting that this account be removed from my credit report entirely. The inaccurate reporting of this account is causing harm to my credit profile, and its removal is necessary to restore the accuracy of my report.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-09-09
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. (AZ)

Experian did not respond within 15days of receiving letter i mailed certified XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX  XXXX SSN : XXXX XXXX : XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX  XXXX To Whom It May Concern : This letter is in response to your recent claim that the account ( s ) listed below have been verified and that the information they are reporting under my name is accurate. 

XXXX XXXX with account number XXXX I previously disputed this account. that is being reported on my credit report. I dont agree with the results of your investigation Please mail me the proof of your investigation and proof that this debt collector has a legal right to report or delete this account. 

XXXX XXXX XXXX with account number XXXX I previously disputed this account. that is being reported on my credit report. I dont agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect or delete this account. 

XXXX XXXX XXXX  with account number XXXX I previously disputed this account. that is being reported on my credit report. I dont agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect or delete this account. 

XXXX XXXX XXXX XXXX with account number XXXX I previously disputed this account. that is being reported on my credit report. I dont agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect or delete this account. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information must be provided within fifteen ( 15 ) days of the completion of your investigation. 

I personally signed and sent this letter. 

Sincerely, XXXX XXXX
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. (FL)

XXXX XXXX XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of INQUIRIES XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX FL XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Adler Wallach & Associates, Inc. (CA)

I was receiving calls from a company called AWA collection. They said they are trying to collect money I owe for car insurance from XXXX. I informed them that I don't have XXXX car insurance. They asked what insurance I had and I refuse to give them the information. I told them I did have XXXX but I cancelled my car insurance with them and got insurance from someone else. They told me well you still owe XXXX and they are going to collect. I later called XXXX who stated they I do not have a bill with them and they stated that if you had car insurance and did pay they will immediately stop coverage. The company calls me everyday, at work, while I'm in college and at home. The even put the charge on my credit report which brought my score down. I was guided to do a dispute on XXXX XXXX  and nothing happen. So on XX/XX/XXXX, I wrote a debit validation letter and sent it certified mail. They stop calling for a while but never provided any proof of the debit they are claiming I owe. However, recently they start calling again and more aggressive. Please help me.
Consumer complaint received 2024-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I attempted to make a purchase from XXXX, through my Capital One debit card. This was already an approved purchase and would be taken monthly, due to the account I had set up. I attempted to approve the purchase by contacting Capital One and explaining the issue. I spoke with a person named XXXX who attempted to address the issue. I was presented with an option to lessen the restrictions on my card, or try again later. Ive attempted this transaction multiple times. Ive dealt with fraud and identity in the past, so Im unwilling to lessen the restrictions on my account. I am fearful of the potential risks. The person I spoke with was incredibly rude. She talked over me multiple times, put me on hold for no reason, and insulted my intelligence. Incredibly unprofessional and undeserving of the manager position they have. They can not give me any solace in the fact that any purchase, previously approved or not, is subject to this fraud scan that denies purchases. After being placed on hold for over 3 minutes, the representative hung up before I could speak. I called back and spoke with another representative who attempted to explain the same issue, but could not offer me any explanation on why a previously approved purchase is now being denied. I attempted to pry for more information, but I was, again, disconnected from a manager at Capital One. It is incredibly insulting how multiple managers have now hung up on me after the request for information.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to 3 credit bureaus was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX Inquiry Date XX/XX/XXXX, XXXX  Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XXXX  XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX
Consumer complaint received 2024-10-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Request for Debt Validation Account Number : XXXX Dear NATIONAL CREDIT SYSTEM, I am writing to formally request validation of the debt you claim I owe, as provided under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g, and the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2 ( a ).

It has come to my attention that you have reported an account to the credit agencies that appears on my XXXX report. I am disputing this debt as I believe there has been a violation of consumer protection laws. 
In accordance with 15 USC 1681b ( e ), I request the following : 1. The original signed contract : A copy of the original signed contract that verifies my agreement to the debt in question, including my wet signature.

2. Assignment of Debt : A clear documentation of the assignment of this debt from the original creditor to your agency.

3. Proof of proper reporting : Evidence that you are legally able to collect this debt.

Please be advised that under 15 USC 1692c, you are prohibited from communicating with me in any way until you have validated the debt as requested.

If I do not receive validation of this debt within 30 days, I require that you cease all collection efforts and remove any negative reporting regarding this matter from all credit reporting agencies, including XXXX, XXXX, and XXXX. 
Please send all correspondence regarding this matter to my address listed above. I look forward to your prompt response so we can resolve this matter swiftly. 
Thank you for your attention to this serious issue.
Consumer complaint received 2024-10-12
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (TX)

XXXX XXXX, XXXX, XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an apartment lease account opened at National Credit Systems on XX/XX/XXXX under the account number ending in XXXX with a balance of {$7400.00}, an apartment lease account opened at National Credit Systems on XX/XX/XXXX under the account number ending in XXXX with a balance of {$5400.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. The FTC Identity Theft Criminal Complaint reference # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-12
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: CLGF Holdco 1, LLC (FL)

I did not authorize any of these inquiries and do not know why they are on my report. 
XXXX ( Bank ) XX/XX/XXXX FEB/DESTINY ( Bank ) XX/XX/XXXX FEB/DESTINY ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX FEB/DESTINY ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX
Consumer complaint received 2024-10-21
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Shellpoint Partners, LLC (FL)

To shellpoint Regarding your response dated XX/XX/year> Your correspondence its extremely confusing and I dont understand. 
I have contacted your customer service and they have been unable to answer any questions in regards to it. 
Also have declined to transfer me to the compliance dept. 
they have even said there is not employee with the name on your correspondence. 
I have personally reply to you and ask you to contact me or someone that can explain and you have ignore those requests. 
So once again please have someone reach out to me in regards to the correspondence sent from your company to me on the indicated date. 
Customer service rep XXXX XXXX said she doesnt know anything and can not assist me with that.
Consumer complaint received 2024-10-12
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (TX)

National credit system inc report my information to the credit bureau saying that I owe them {$270.00} And I didnt get no notice from them or the original creditor, and I send a certified letter to national credit system inc for debt validation but the address they have on my credit report was invalid.but usps was unable to deliver the mail to them because their address was invalid, and I believe they validate my rights
Consumer complaint received 2024-10-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

Yesterday at XXXX I got XXXX emails saying USAA XXXX opened a saving and checking in my name and social XXXX XXXX Is a second added on person They have the username password pin and my social Not my phone number but also my email
Consumer complaint received 2024-10-21
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Cashing a Huntington Bank check, drawn on a Huntington Bank account, and was charged {$10.00} by Huntington Bank, because I do not have a Huntington Bank account. 

This is complete XXXX.
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)

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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. (FL)

Please take a look at the attached letters and ID docs for verification that it is I 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.