davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-06
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. (CA)

I am writing with the utmost urgency to demand immediate action regarding fraudulent accounts and incorrect information that have been illegally reported on my credit report. I have been a victim of identity theft, and it is imperative that you rectify this situation without delay. 
These accounts were not opened by me, and I am not liable for any transactions or debts associated with them. The presence of these accounts on my credit report is a direct result of identity theft and is causing significant harm to my financial reputation and well-being. The following accounts are fraudulent and must be removed from my credit report immediately : XXXX XXXX XXXX and XXXX XXXX XXXXXXXX.
Consumer complaint received 2024-02-18
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. (CA)

XX/XX/XXXX there are four credit inquiries that I didnt agree to and there are four in one month. I havent done business with JPMC in four years. I havent applied for a loan with XXXX XXXX XXXX  since XXXX, I have no idea who XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 3 JPMC Auto Finance
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 


Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account XXXX  Date XXXX Account Number XXXX Reason for dispute_IDENTITY THEFT_ Account Amount ____ Account Name XXXX XXXX XXXX XXXX Account Number XXXX Reason for dispute IDENTITY XXXX Account XXXX Account Name XXXX XXXX Date XXXX Account XXXX Reason for dispute__IDENTITY XXXX Account Amount Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-06
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. (CA)

I am writing to express my extreme dissatisfaction and to lodge a formal complaint against EXPERIAN, XXXX, and XXXX regarding multiple unauthorized hard inquiries on my credit file. I have not given consent, nor have I authorized any individual or entity to access my credit report. The entities responsible for these unauthorized pulls must be held accountable, and I expect a full explanation as to how my personal information was accessed without my explicit permission. 

XXXX XXXX  : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; Experian XXXX XXXX  XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX Experian XXXX XXXX  XX/XX/XXXX ; XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX Experian XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC. (GA)

Well I lost my wallet back in XXXX, around this time I had just received a deposit from my school, someone used my debit card and got my phone as well and got into my account and made over XXXX dollars worth of purchases, I have filed disputes, Ive been back and forth with this intstution about my funds, they did XXXX provisional credit but took it back within XXXX min, theres no way they had a resolution that quick, I requested the documents they used to make their decision but nothing and they said it would take 3 days to find a resolution and I could keep the funds while they investigate, they clearly lied, this has been a horrible experience with this institution, they claim to be fdic insured, I just want my money back, this has been a XXXX  month process, this bank is unreal.
Consumer complaint received 2024-08-12
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: JPMORGAN CHASE & CO. (CA)

Hello, On XX/XX/year> there was an unauthorized transaction on my credit card for {$89.00} at XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, CA XXXX ). I reported this transaction to Chase Bank as a fraudulent charge. I received a replacement credit card from Chase Bank in the mail and the charge was temporarily removed ( see attachment XXXX for my statement ). There is an additional charge on the statement for {$3.00}, this charge was authorized by me. 

On XX/XX/XXXX, I received a letter from Chase Bank that I " received benefit from this transaction '' and the {$89.00} charge was re-instated on my XXXX credit card statement ( see attachment XXXX for the letter ). 

I contacted XXXX 's ( owner of XXXX XXXX XXXX ) and they were able to provide me with transaction details regarding both the {$3.00} ( authorized ) transaction and {$89.00} ( unauthorized ) transaction ( see attachment XXXX ). The itemized receipt for {$89.00} has a rewards number associated with the charge ( XXXX ). On XX/XX/year> I did not have any account associated with a rewards number. This proves that since the {$89.00} charge was made with a rewards number, I could not have benefitted from the transaction. The charge for {$89.00} needs to be removed from my credit card statement.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (CA)

I signed up for the free trial ( attached ) and canceled ( attached ) the next day ). Several months later I noticed Equifax had been charging my account for XXXX months ( see attached ). 

This cancellation was obviously meant to deceive consumer as I assumed it was canceled but it only canceled another service which I think was free. This is obviously ridiculous and meant to confuse as judge by my experience and numerous others on reddit who had the same experience. 

I tried to resolve with the company and was met with having to call by phone and navigated an endless tree of options, entering in everything but the name of my first pet to meet an operator who said they couldn't help.
Consumer complaint received 2024-08-26
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. (OK)

TransUnion failed to investigate properly, I have asked them to remove Oklahoma XXXX XXXX over XXXX different times. They refuse to remove the false information these criminal people continue to report. This is not over I will expose the crimes that have been perpetrated against me. All of these people are criminal people.
Consumer complaint received 2024-09-08
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Harpeth Financial Services, LLC (TN)

I have contacted the XXXX XXXX XXXX repeatedly over time to try and settled my alleged debt with them. My calls and proposals continuously go unanswered, until suddenly, Im being served paperwork for a lawsuit. I was served once ; and contacted them immediately to resolve this. They do not keep up with clients at all, they do not have autopay for payment plans, they do not send monthly bills or payment reminders, they do not send monthly statements, therefore keeping tracking of payments and due dates is impossible due to the lack of infrastructure on their website. The second time I found out they were suing me, they had gotten a judgement against me to levy my bank account- I was not notified of any delinquent payments on my plan, I was not notified of the new lawsuit, I was not notified of the bank levy, I was only made aware by a law firm offering their legal services to me with the public record from the local courthouse. I notified them immediately that they did not have the right to levy my account as it is shared with a third party, and has protected funds in it. They instead opted to pursue another payment plan. I have repeatedly proposed and called and sent letters about settling the debt- with no answer. They have not properly notified me of my debts in the amount or status of the debt and have also failed to notify me of pursuing legal action. They are unresponsive to most requests and this seems to be a common complaint amongst their XXXX reviews. 
The photo below shows XXXX occasions I was supposedly served on- XXXX of which ( XX/XX/year> ) which is incorrect. I was never served or notified of a bank levy.
Consumer complaint received 2024-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC. (ND)

I have several disputes I have done with Sofi bank from my card and online access information being stolen to falling victim of a scam to fraudulent activity on my account and being denied every single transaction that was disputed and their reasoning is no error occurred even though I was extremely clear about everything I told them on whats happened. All transactions are as fallowed : XX/XX/XXXX {$25.00} ; XX/XX/XXXX {$120.00} ; XX/XX/XXXX {$50.00} ; XX/XX/XXXX {$45.00} ; XX/XX/XXXX {$45.00} ; XX/XX/XXXX {$22.00} {$25.00} ; XXXX {$65.00} ; XXXX {$36.00} XX/XX/XXXX {$5.00}, {$30.00}, {$40.00}, {$40.00} ; XX/XX/XXXX {$15.00}, {$10.00}, {$10.00}, XX/XX/XXXX {$35.00} XXXX XXXX scam and unauthorized transactions XXXX XXXX XXXX {$43.00}, XX/XX/XXXX {$5.00}, {$15.00}, {$2.00}, {$15.00} {$12.00} ; XX/XX/XXXX {$15.00}, {$10.00}, {$10.00}, {$4.00}, $ XXXX {$4.00}, {$10.00}, {$15.00} XX/XX/XXXX fraudulent transactions and access to my account internal transfer {$450.00} & {$10.00}. 
Sofi dispute department has denied all transactions which I did not authorize, do or was a victim of a scam to and theyre allowing these scammer and theft steal my sons SSI check money and my business money Ive worked hard for.
Consumer complaint received 2024-07-10
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: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX  XXXX XXXX
Consumer complaint received 2024-09-10
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. (IL)

Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligir or a credit issued to the obligor.
Consumer complaint received 2024-07-25
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (NY)

My account with Chime was closed almost 3 months ago. I was never notified but noticed when I tried to log in to my account. I then contacted them via email and was told. I inquired about my funds in the account and was told that I would get them mailed out in 2 weeks and receive them in 4 weeks ( this is only after I asked ). After a month and no check, I emailed them again and they said they would send me a check, as if my account had just closed and I had never spoken to them. weeks go by and no check. I call them and finally 2 weeks later I get a check for {$150.00} which is the amount that was in my checking account, but not the {$500.00} plus that I had deposited into my credit builder pre paid debit card, and {$9.00} in a savings account. I called again and was first told that I had no further funds with them, and then spoke to a supervisor, who said he was expediting the check and I would have it in 3-5 business days, That was 9 business days ago. I called again today and after 1.5 hours on the phone with multiple people including 3 supervisors, nobody could tell me why my check was never sent out, only that it wasn't, and only the very last person would finally agree to mail it out to me. It was absolutely like pulling teeth and stressful. I mentioned this case multiple times to them also- the final supervisor who agreed to send the check was the only one who seemed familiar with it.
Consumer complaint received 2024-09-10
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. (IL)

I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX AND I WON'T ALOW IT.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (TX)

Checking my credit report a few months ago, I discovered errors regarding the account of JPMCB CARD ( XXXX ). This is violating my rights. I disputed these errors directly with the three credit bureaus and the creditor itself ; however, I only received generic responses regarding this matter. Therefore, I am filing this complaint based on my research. The company in question is violating the sections of 15 USC : 15 USC 1681 section 604 ( a ) section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy of information.

15 USC 1681i ( 5 ) : Failure to investigate and correct inaccurate information.

15 USC 1681s ( 602 ) ( a ) : Failure to provide clear and accurate information to consumer reporting agencies.

15 USC 1681s ( 604 ) ( a ) : Failure to permit access to all information about the consumer 's credit file. Reform Act related to accuracy and fairness in credit reporting.
Consumer complaint received 2024-07-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: DHI Mortgage Company (NC)

I started my loan application with DHI mortgage in XX/XX/year> for a new build by XXXX XXXX that was scheduled for completion around XX/XX/year>. DHI mortgage was the builders preferred lender and the builder was offering money towards closing if I went with their preferred lender and closing agent. I was pre-approved through DHI mortgage and my loan officer was XXXX XXXX ( XXXX # XXXX ). DHI mortgage utilizes a document portal for uploading documents for your loan. All of my outstanding loan items where complete and my loan was sent to underwriting for review. As my closing date became closer I tried reaching out to my loan officer numerous times to request an updated loan estimate with the current market rate and information on when I would be able to lock in my rate. XXXX XXXX generated a loan estimate for me in the online system on XX/XX/XXXX. As rates started to decrease, I contacted XXXX XXXX via phone on Thursday XX/XX/XXXX. He did not answer so I left a message regarding my request for the loan estimate. XXXX XXXX returned my call Monday XX/XX/XXXX and stated that he would send the updated loan estimate over. I did not receive this estimate so I emailed XXXX XXXX on Tues, XX/XX/XXXX to formally request the loan estimate. With less than 30 days out I have never heard a lender not being able to lock in your rate. However, XXXX XXXX said he was waiting on the builder to advise on closing dates on the new homes before I could lock anything in. 

On XX/XX/XXXX, the builder notified me of my upcoming new home orientation scheduled for XX/XX/XXXX. At this time, i'm thinking as their preferred lender he is aware of the upcoming home closing as he mentioned since he advise me he was waiting on this list from the builder before being able to lock me into a rate. On Monday, XX/XX/XXXX at XXXX XXXX  I give XXXX XXXX another call since the builder has advised that my closing date has moved up to XX/XX/XXXX. At this time, i left another message with XXXX. The closing email was sent by the builder on XX/XX/XXXX, around XXXXXXXX XXXX ; where XXXX XXXX was also cc 'd. 

As of today XXXX XXXX I have not received any communication from XXXX XXXX since XX/XX/XXXX and still had not received the loan estimate I request. Due to the lack of communication and the new closing date I had to choose another lender to try to be prepared to close on time. And go through regathering all the documents I had previously supplied to DHI mortgage. Additionally, since I am now choosing to go with a different lender than the preferred lender I no longer qualify for the builder credit. Lastly, me going with only about 14 days til closing my lender may cause a delay in closing if they can not get the information they are requesting from the title company and DHI mortgage regarding the appraisal in time. If closing is delayed then I will further be penalized XXXX.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I am disputing the accuracy of the late/missed payment entries on my credit report maintained by your reporting agencies. Despite my efforts to ensure timely payments, there are inaccuracies in the reporting that negatively impact my credit score. According to my understanding, credit bureaus are required to complete a thorough XXXX inspection before adding any late or missed payments to a consumer 's credit report. This inspection process is crucial to ensure that the information reported is accurate and corresponds to the date of receipt of payments or letters from consumers. 

In my case, the necessary XXXX inspection seems to have been overlooked, resulting in the incorrect reporting of late/missed payments. This has caused unjustified harm to my credit profile. I have not received any confirmation that these reporting agencies conducted this comprehensive inspection prior to reporting these late payments. Therefore, I am requesting verification and validation of these entries.
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My account with XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, and XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports