davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-06
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: SOFI TECHNOLOGIES, INC. (SC)

I was charged for {$400.00} on XX/XX/XXXX at a corner store down the street from me. This transaction was in addition to a {$23.00} transaction where I purchased goods. The {$400.00} was not authorized by me, nor were any goods purchased for this transaction. The cashier behind the counter who had my card was stating that there was a 'chip reader error ' occurring for the minutes that I was standing at the counter. 

A week or so later I noticed the charge and tried to dispute it, at which point SoFi ( the bank associated with my credit card ) gave me a credit while they worked on my dispute. They also asked that I go to the store owner to discuss the issue, which I did, and he stated that the charge wasn't valid and I should be credited my money back. 

On XX/XX/XXXX, a month or so after filing the dispute, the charge for {$400.00} was reposted to my card balance. I contacted SoFi about this, to which they stated that the merchant sent receipts with chip readers on them. I asked for the receipts, which they provided to me. The receipts did not have my signature on them, nor were they itemized. SoFi stated that this was now a civil matter and they could no longer help me. Then after calling them again they stated that if I provided a signed statement from the store owner stating that I was wrongly charged the {$400.00} that they should be able to credit my account back. I was able to get a signed statement from the store owner stating just that, but SoFi has not credited my credit card balance back the {$400.00}. 

The store owner has signed a document, the receipts do not show any information regarding a purchase, and after countless calls to customer service and the dispute department at SoFi they seem to be unable to help me in the matter. Currently I am waiting on the company to process my dispute as the statement balance is due rather soon and I should not have to pay this fee.
Consumer complaint received 2024-06-04
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. (MD)

I reviewed a copy of my Credit Report and saw that there was a Fraudulent Collection Account reporting on my Transunion and XXXX XXXX reports. This Collection account is being reported by XXXX XXXX XXXX in the amount of {$1600.00}. I filed an FTC Identity Theft Report in which I attached to this CFPB Report. 

XXXX XXXX XXXX Account Opened on XX/XX/year> Amount : {$1600.00}
Consumer complaint received 2022-06-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (PR)

I received a collection letter from XXXX dated XXXX XXXX that is not mine. It was a fraudulent account. I have previously communicated with Nordstroms that is the owner of the account with out success.
Consumer complaint received 2024-06-03
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. (SC)

I recently viewed a copy of my credit report and noticed I had fraudulent, unauthorized accounts on my credit report and I would like to have them removed immediately as they are hurting my ability to obtain credit. 

I have requested that all parties remove the unauthorized, fraudulent accounts from my credit report. 

I have requested that the company provide me with proof of a signed contract with my wet signature as proof that I am the one who owned and owes a debt to them. 
The company sent me in several letters stating there was an investigation of the account, that they've verified that the accounts belong to me and that I am responsible, but has failed to provide me with PROOF of a CONTRACT WITH MY WET SIGNATURE as I've requested several times along with proof of the individual ( s ) who they verified the accounts with, their license number to collect a debt, I have also provided the company with proof of my identity theft report. I no longer want to go back and forth with the company but to simply have the accounts removed from my credit report as the account was opened fraudulently and not authorized by me. Attached is a copy of my SS card and my identity theft report. Please delete the accounts indefinitely or I will go about everything legally and also be compensated in small claim court for what this has caused me.
Consumer complaint received 2022-06-13
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Genesys National Recovery, Inc. (PR)

Hi. Im contacting you guys because a company is harassing me on phone and calling my Mom, about a GYM membership that i had and because of my injuries I cant go. They are calling me at work and got a warning and last week on Tuesday they call me XXXX times on my work shift and got suspended until my boss make a decision about that. I told them that. I want you to help me with. They even called my Mom and threatening her she is not even a co-signer. 

I will post all the phone call i got on my work hours
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PR)

In accordance with the credit reporting act XXXX  Account # XXXX, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2024-06-04
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. (NJ)

I have items passed on that should be taken out or blocked. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PR)

In accordance with the credit reporting act XXXX Account # XXXX, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (GA)

Fraud alert on file Collection accounts XXXX XXXX XXXX XXXX Late accounts Georgia Own Credit ( paid in full not late ) XXXX ( paid in full / total loss vehicle ) XXXX ( late payment and account ) prior account was paid in full Charge off account XXXX Bank XXXX XXXX back Hard credit inquiries Capital XXXX XX/XX/XXXX - come off XX/XX/XXXX XXXX XXXX XX/XX/XXXX - unauthorized Capital XXXX XX/XX/XXXX - unauthorized Capital XXXX XX/XX/XXXX - unauthorized
Consumer complaint received 2023-08-28
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: JPMORGAN CHASE & CO. (FL)

I reported the unauthorized charges all of them, I did not at any point of my first calls or any other calls I let out any charges to report as fraud as they are saying now, every call that I made chase fraud agents change subjects and history of the " investigation '' and provided weak detailed information about the transactions and the suppose investigation, including the transaction reference numbers and the corresponding amounts. Despite raising this issue and requesting an investigation, I have not received any communication or updates regarding the progress of the investigation, or any steps taken to rectify the situation. all that I received are automatic emails, I send every evidence requested by them when I CALL not when they called, and I do not receive any UPDATE, when I decide to call again their response are NOW : you never send anything, we do not receive any support documentations, we know who send you an email we can't proceed process the request, please send all documents again to this email now, please resend all emails that you received from us, this answer is very clear their lack of knowledge and investigation they are not doing. 

I emphasize that these fraudulent charges not only compromise the security of my account but also erode the trust I have in CHASE 's ability to address such matters promptly and effectively. As a loyal customer of CHASE, I expect a swift and thorough investigation into these unauthorized transactions. 
I kindly request the following actions to be taken immediately : Providing me with regular or daily updates on the progress and findings. 
Temporarily freeze the affected funds to prevent further unauthorized transactions while the investigation is ongoing. 
Provide me with a clear timeline for the resolution of this matter, outlining the steps that will be taken to reverse the fraudulent charges and restore the security of my account. 
I urge to treat this matter with the utmost urgency and prioritize the investigation process to restore my confidence in the security of my account. Failure to address this issue promptly will not only have financial implications for me but will also reflect poorly on the bank 's commitment to its customers. 

I request an acknowledgement of this claim immediately, along with a commitment to the investigation and provide regular updates on its progress for any further communication or clarification.
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

In accordance with the credit reporting act XXXX  Account # XXXX, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2024-06-06
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (MI)

I submitted a complaint due to US Bank closing my account for excessive disputes. Despite being told when I submitted the disputes that this wasn't a possibility, XXXX separate agents told me that was the reason, and I was mailed a letter yesterday. The second, a supervisor, read directly from the letter. This was a recorded phone call. I asked her why they would make this decision over a month after I submitted the disputes and was told that my account being negatively affected because of it wasn't an option. I have submitted no further complaints since then. The only answer she could come up with was she wouldn't have expected it. I requested they fax the letter to me, as they have previously agreed to do with all correspondence due to technical difficulties with their online portal and my routinely not receiving letters they claim to have sent. I also sent a fax with the same request. This all occurred the morning of XX/XX/year>. While they have failed to live up to this commitment, I did received a fax back, with a letter dated XX/XX/year>, that does not include excessive disputes as a reason. As stated in a previous complaint, they have removed my access to account details. I believe the entire purpose of this is so they can settle disputes without me having any ability to correct the numerous errors they make in real time. If denying me access to proper notifications isn't effective, they will deny my access to my entire account. I have had Credit Cards closed in the past. In each case, my online account continued to work. In this case, I can login, but not view transactions, statements, or any other account details. They apparently just plan to steal my remaining balance and are using a fraudulent account closure, done for fraudulent and fictitious changing reasons, as cover to do so.
Consumer complaint received 2024-06-04
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. (AL)

I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I respectfully request to be provided proof of these alleged late payments, and payment history. Per my records I have always paid these accounts on time and never paid late. The following late payment information therefore needs to be reinvestigated as it is inaccurate, and then removed from my credit file as it is falsely reporting. 
15 U.S. Code 1681i. Procedure in case of disputed accuracy ; ( a ) REINVESTIGATIONS OF DISPUTED INFORMATION ( 1 ) REINVESTIGATION REQUIRED ( A ) In general 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. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( XXXX  XXXX XXXX ), you XXXX be liable for your willful non-compliance if the validation of debt request isn't completed. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Please have the creditor provide the validation documents to the CFPB as well as certified mail to me. It's extremely important that the creditor provide the documents to CFPB to ensure fairness and that they are not brushing me off. Thank you for your assistance.
Consumer complaint received 2024-06-04
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. (GA)

XXXX XXXX XXXX XXXX Debt Contract Request I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account.
Consumer complaint received 2024-07-04
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)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX
Consumer complaint received 2024-06-04
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. (TX)

I sent certified mail, A request to remove account, it was a removal letter and a FTC report a copy of my driver license and ssn card for XXXX XXXX XXXX XXXX balance : {$0.00} Date Opened : XX/XX/year>. I disputed the same account with XXXX and XXXX they fixed the problem. I believe TransUnion and XXXX are acting in bad faith, and have not complied with the Fair Credit Reporting Act because they are hiding information that has been sent in. I have maintained careful records of their actions.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation
Consumer complaint received 2024-08-02
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)

XXXX XXXX Social Security Number : ( XXXX ), Date of Birth : ( 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 TransUnion 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 a personal credit card 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that appears related to the aforementioned These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a maintained by you which shows the aforementioned fraudulent items 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. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) 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 2024-06-03
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. (FL)

My information was compromised and my identity was stolen since then I have too many reviews in my report which I do not recognize since they are fraudulent. And trying to solve this problem with the companies and they don't give me an answer even in writing. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-04
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 blocked. 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>