davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

i received a notification on my credit report app and i found a new account on my credit it seems like a loan this is improper use of my credit report. in accordance with with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states i have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666B, please remove them off my credit report XXXX XXXX XXXXXX/XX/year> XXXX
Consumer complaint received 2024-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Resurgent Capital Services L.P. (KY)

THIS CREDIT CARD WAS OPENED WITH OUT MY KNOWLEDGE, I HAVE BEEN XXXX  SINCE XX/XX/XXXX. 
LVNV FUNDING LLC STATES IT OPENED IN XXXX THE AMOUNT IS XXXX.
Consumer complaint received 2024-10-28
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 (FL)

On or about XX/XX/year> I noticed 10 charges of {$710.00} and one charge of {$500.00} amounting to a balance of {$7600.00} on my Apple Card/Goldman Sachs US Bank Inc. card . I contacted apple card right away to let them know that it seemed like my Iphone had been hacked and all these charges were on my account. I placed a dispute with them. Since that day they have not been able to resolve the fraud issue. They keep putting the charges back into the card expecting me to pay. I keep disputing the charges. I had another credit card on the wallet app that was also hacked and right away they took care of it. I had to change my passwords on my apple card and Iphone. I asked Goldman Sachs where those charges came from and they mentioned that the merchant was from a game website. I informed them that I'm XXXX XXXX XXXX and do not play games on my phone or any other device. I've spoken to them several times to please resolve this issue and they have not helped me at all. Every 3 months they will add the charges back to the account without notice and I have to keep calling back to file a dispute. I spoke to them today XXXX and still they will not resolve the issue. This is very frustrating that they are not helping me the consumer. Thank you for help.
Consumer complaint received 2024-10-29
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NJ)

I have been with Chase for 10+ years. I had been a loyal and excellent customers. My credit score of XXXX can prove that. 

I had my Chase Freedom credit card, my Chase IHG credit card for 10+ years. I had my checking account, savings account, and my Chase debit card from my checking account for about a year, around the same time when I started talking with Chase financial expert about the possibility of using Chase as my mortgage loaner. 

XX/XX/XXXX, without any alerts, Chase suddenly made a decision to close ALL my mentioned accounts, without immediately notifying me by email or text or Chase mobile app 's notification. Instead, they sent a snail mail to my address. 

XX/XX/XXXX, I got their email, text, app notification regarding this matter, without telling me when I will lose all my accounts. I was shocked. 

XX/XX/XXXX, I got their snail mail, notifying me that all my accounts would be closed on XX/XX/XXXX, and I will NOT be allowed to open any new accounts with Chase in the future. 

I immediately called Chase hotline, even went to the closest Chase branch, got the same answer over and over from multiple staff, that the decision was final, there was no channel for appeal. Based on their experience, even if I send a fax to their corporation, nobody will answer. Also, nobody could provide an answer or even theory about the reason. 

ALL the Chase staff I talked with helped me look into my previous transactions, didn't find ANY red flags. All my recent transactions were grocery shopping near my home ( billing address ), and subway tickets near my home. There was ZERO alerts that notified me about any suspicious transactions. I proved myself clean over and over again, and I got absolutely no extra details or hope to fix the issue. 

XX/XX/XXXX, they closed all my accounts, and stated that they won't allow me to open any new accounts with them in the future.
Consumer complaint received 2024-10-07
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. (DE)

I sent a letter to transunion on XX/XX/XXXX, XXXX in regards of inaccurate information reporting on my credit report. The incorrect information reporting on my account is from XXXX XXXX XXXX  - XX/XX/scrub> XXXX XXXX
Consumer complaint received 2023-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (GA)

I CURRENT, HAVE A CREDIT CARD WITH NAVY FEDERAL, FOR ABOUT 1 YEAR NOW. I HAVE NEVER MISSED ANY PAYMENTS, THE DUE DATE FOR MY PAYMENTS ARE ON THE XXXX OF EVERY MONTH. ON XX/XX/XXXX, I CALLED IN TO THEIR CUSTOMER SERVICE DEPARTMENT TO MAKE A PAYMENT OVER THE PHONE, WHICH THEY ACCEPTED ... FOUR DAYS LATER, I WAS TOLD BY NAVY FEDERAL THAT MY PAYMENT WAS REJECTED BECAUSE I WAS USING AN EXTERNAL BANK ACCOUNT, SO I WOULD NEED TO USE THEIR RECOMMENDED 3RD PARTY ( XXXX  ) TO MAKE THE PAYMENT - WHICH I DID AND THE PAYMENT WAS MADE FOR {$94.00} DOLLARS ON XX/XX/XXXX. 

XXXX SENT IN A CHECK FOR {$20.00} DOLLARS WHICH NAVY FEDERAL USE TO CREDIT MY ACCOUNT, BUT I HAVE NO CLUE WHAT HAPPENED TO THE REMAINING {$74.00} DOLLARS. i JUST CHECKED MY CEDIT REPORT AND NOTICED NAVY FEDERAL REPORTED ME 30 DAYS LATE FOR MISSED PAYMENT FOR THE MONTH OF XXXX, WHICH LOWERED MY CREDIT SCORE BY XXXX POINTS. 

WHEN I CALLED UP TO NAVY FEDERAL AND SPOKE TO SEVERAL REPS, THEY ALL CONFIRMED THEY SAW WHERE I MADE THE PAYMENT ON THE XXXX & ON THE XXXX BUT THEY DON'T UNDERSTAND WHY ONLY {$20.00} DOLLARS WAS CREDITED TO MY ACCOUNT.
Consumer complaint received 2024-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (NY)

On XXXX I depostied a balance transfer check payable to XXXX XXXX from my XXXX XXXX credit card account for {$4000.00}. I deposited this check into my TD checking account. 
XXXX XXXX  sent me a text verification that the check was written by me. I confirmed yes that I wrote and deposited this check.

TD bank held the funds for 3-5 business for fraud review. After this review TD bank had sent me a letter stating they would be closing my checking account due to a fraudlent check and that any funds in the account would be returned via check in the mail. No funds were returned and the account was closed.

I reached out to TD bank asking when the {$4000.00} would be returned and was told that the funds were never received and XXXX XXXX  has the funds. 
I reached out to XXXX XXXX  who claims that the funds were received and are in posession of TD bank. The check has been posted to my XXXX credit card account and being charged to my statement. 
I reached out to XXXX XXXX  fraud services who investiagted the claim and communicated with TD and confirmed that TD has received the funds but are unwilling to return the funds suspecting fraud. 
TD checking account is closed and funds have not been returned. 
XXXX XXXX  confirmed the funds have been received and are in TD bank posession.
Consumer complaint received 2022-02-20
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I WAS TAKEN ADVANTAGE OF DUE TO MALPRACTICE WHILE SEVERAL LAWS WERE BEING BROKEN BY YOUR COMPANY UNDER THE XXXX, THIS HAS CAUSE ME FINANCIAL INJURY AND THIS IS DEFAMATION OF CHARACHTER. I HAVE BEEN DENIED JOBS BECAUSE OF WHATS ON MY CREDIT REPORT. I HAVE BEEN UNABLE TO LEVERAGE MY ASSETS DURING THE PANDEMIC BECAUSE OF WHATS ON MY CREDIT REPORT. I HAVE BEEN DENIED AN XXXX LOAN BECAUSE OF THE NEGATIVE, UNDULY AND ERRONEOUS ITEMS ON MY CREDIT REPORT.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DC)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXXXXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX, XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XXXX 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 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (SC)

I have provided my photo ID along with the other required documents.

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per by LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-10-03
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. (TX)

With Equifax my report has been incorrect for about 3 years. It shows a blank account every time I check. I have called enough times to be declared legally insane. Not only have I been told on countless occasions that they will advance it to their technical team, theyve reverted it and put information that was incorrect on it multiple times over the past 3 years.
Consumer complaint received 2024-10-02
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. (CT)

After reviewing my consumer records, I found instances of late payments listed on an account for which I have consistently made timely payments. Consumer Reporting Agencies play a vital role in accurately reporting consumer information, and it is crucial that this information is represented with the highest accuracy.

I have never missed a payment on the following account : [ XXXX XXXX XXXX ], [ XXXX ]. I request a comprehensive investigation into these discrepancies and ask that you provide evidence, such as statements, to support the claims of late payments. If you are unable to furnish such proof, I request that these payments be promptly updated to reflect their correct status as on-time, as I have consistently met my payment obligations without delay. 

Additionally, when I first obtained my mortgage with this company, I was informed that they did not report to credit agencies and was never notified of any policy changes regarding this matter.
Consumer complaint received 2024-10-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc. (CT)

I was notified through my monthly credit monitoring on XX/XX/XXXX that a collection account appeared on my credit report with XXXX and XXXX XXXX in the amount of {$1400.00} dollars. 

I informed the representative who I spoke with that the account did not ring a bell and asked for a validation of debt letter. I asked if the letter would be going out yesterday and was informed maybe in a week or 2 weeks but he could not say for certain when I would get the validation letter. 

I was informed this account was from XXXX and that is when I remembered I had an initial case of fraud on my credit which resulted in a fraud alert being placed in my credit file for all three credit bureaus. I called the representative back from the collection company and left a message that I was in possession of a letter from my bank in XXXX concerning fraudulent activity.
Consumer complaint received 2023-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

ITS FRAUD. I tried to contact the Credit Bureau but they didnt fix it. My name, address are incorrect, its a violation of he FCRA. Its unsafe to have wrong information about me like this. 
The report has a lot of variations that doesnt exists. 

My name is XXXX XXXX XXXX XXXX Address is XXXX XXXX XXXX XXXX, XXXX, XXXX. 
Phone number XXXX. 

I am sending proofs. 

Its unsafe for me and its a violation.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: World Acceptance Corporation (SC)

I have provided my photo ID along with the other required documents.

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the acceptable items which only 2 are required per the LAW. Which I have provided my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (FL)

Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ).

1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent.

2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements.

3. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action.

I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-28
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION (NY)

I have reached out to the company Credit Acceptance several times since XXXX of 2023 that loan was not taken out with my consent and was harassed by company with 8-10 calls a day even on holidays and weekends and late night calls despite me providing a police report and FTC identity theft report company still is reporting on my credit report and will not delete. This company has continued to violate my rights and laws provided to protect consumers in the Fair Credit Reporting Act as well as local and state laws. also after researching this company and the hundreds of complaints about Credit Acceptance they should not be in business any longer.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION (MI)

The debt collector in question has been involved in prohibited practices outlined by the FDCPA, which include abusive, deceptive, and unfair actions. They provided information about an account that I never agreed upon or signed any agreement for. A legal contract requires the participation of both parties, but I was not involved whatsoever. Furthermore, they failed to adhere to the proper five-step validation procedure, which constitutes unfair practices. As stated by the FDCPA, I am entitled to compensation of {$1000.00} per violation, and it is evident that my rights have been violated by their actions.
Consumer complaint received 2024-10-03
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. (MI)

I looked at my credit reports, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate. 
And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my consumer rights according to WHAT THE LAW CLEARLY STATES : 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. 
( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. 

( XXXX ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

Delete this inaccurate account from my credit report.
Consumer complaint received 2024-10-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC (CA)

Called many many times to request information for proof of LeinHolder status to the warranty company on file with them, to the warranty company XXXX XXXX XXXX XXXX ). They refuse to provide any information so that the warranty company can send the check for the vehicle from the proration of the cancellation. I have filed 3+ email requests across the departments Ive been told to email them too. Ive had workers straight up lie and say they will send the information. Ive been hung-up, disconnected, redirected, and have spent an exhaustive amount of time attempting to simply get proof they are the Leinaholder and an address to send payment so they can receive the money.
Consumer complaint received 2024-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Fidelity National Information Services, Inc. (FNIS) (MD)

( XXXX XXXX XXXX ), ( XXXX ), ( 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 Chex System consumer reporting agency, block intormation appearing on my consumer 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 a personal checking account opened at XXXX XXXX XXXX on XXXX. XXXX.I am writing to request an investigation of the following fraudulent accounts and inquires I have NEVERED opened or usd the accounts listed below I'm requesting the following information to be deleted from Chex Systems consumer report immediately I attached a copy of my report to this request The accounts consist of an bank account opened at XXXX XXXX XXXX Routing XXXX Account XXXX. Inquiries XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

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