davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-21
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. (VA)

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Upgrade, Inc. (GA)

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX  -Acct # XXXX XXXX and XX/XX/XXXX,, XXXX XX/XX/XXXX, XXXX XXXXXXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dept of Education ( This was deferred and I was on XXXX XXXX XXXXXXXX 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on an account under an open-end consumer plan as late for any purpose. 


Thank You.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LendingPoint Holdings LLC (GA)

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX  -Acct # XXXX XXXX and XX/XX/XXXX,, XXXX XX/XX/XXXX, XXXX XXXX Acct # XXXX Lending Point- XXXX XXXX XXXXXXXX Dept of Education ( This was deferred and I was on XXXX XXXX XXXXXXXX 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on an account under an open-end consumer plan as late for any purpose.

Thank You.
Consumer complaint received 2023-11-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (SC)

On three occasions within the last thirty days, Chase Bank has sent me letters to my Chase online portal account to call a credit agency and release a " FREEZE '' on my credit scores so they can process a credit card application for approval These were all fraudulent applications.

I notfied Chase of the first two and they assured me they would put " notes '' on my account to prevent this from happening again.

It happened for the third time again today.

I hole one credit card with Chase and have no other relationships. 

I tried to notify Chase again today, but have been given no less than 4 different telephone numbers to contact.

I've spoke to three Chase agents today, one asked for my full social security number and date of birth ( not ), the second said they could not help me and the hold time for the fraud department was over 30 minutes and they provided me a number to call back, which was the basic main number for Chase Credit Cards.

I tried to use online chat, but it kept asking me for which existing credit card was I asking for help with and sent me back to the main menu for credit card.

Chase DOES NOT have a FRAUD flag attached to their Credit Card accounts which rejects online applications outright. This is XXXX! 

My only venue for relief is to close my Chase account at this point, but I can't be the only customer having this issue. 

There are NO OTHER fraudulent applications coming in from other institutions, as such, I believe this is also a CHASE DATA breach. 

Please advise.
Consumer complaint received 2023-10-28
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: Bread Financial Holdings, Inc. (LA)

This account is a charged off account on my credit report. I do not have any knowledge of these accounts.

According to : 15 U.S.C 1681 ( e ) ( b ) Accuracy of report 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.

15 U.S.C 1681s ( a ) ( 1 ) ( a ) Reporting information with actual knowledge of errors 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 2024-04-25
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. (GA)

I was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XX/XX/2024 XXXX : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!!

Im not happy with the way your company is handling my consumer report. I was a part of a XXXX breach and your company is still not securing my information. I have already filed complaints with the Attorney XXXX XXXX in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer.

Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : Account Number : Reason XXXX XXXX XXXX. XXXX FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXXXXXX FRAUDULENT ACCOUNT Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : FTC, XXXX, CFPB Client name XXXX XXXX
Consumer complaint received 2023-08-04
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: Experian Information Solutions Inc. (NY)

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. XXXX  XXXX XXXX. Please delete.
Consumer complaint received 2024-04-25
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. (IN)

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 informationisinaccurate.
Consumer complaint received 2024-06-12
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: Experian Information Solutions Inc. (NJ)

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (MN)

Can XXXXXXXX XXXX  XXXX Legally Launch Nuclear Missiles at Planets and Put The Corona Virus in the XXXX XXXX Because XXXX XXXX XXXX XXXX XXXX XXXXs XXXX all my money and XXXX Bank lawyers say its imposable to comprehend Chase Bank 5 times this Week Lock XXXX out of online banking so all credit XXXX XXXX XXXX Chase Bank Block 100 % all ACH Transfers to XXXX XXXXXXXX XXXX XXXX XXXX. 

Chase Bank XXXX XXXX ( XXXX ) to XXXX XXXX XXXX XXXX so XXXX said to remove the XXXX  from name and would work ////// XXXX Chase bank worked while XXXX XXXX Chase Bank transfer XXXX XXXX XXXX XXXX could not Verify XXXX and Maliciously Chase Lock XXXX Accounts and say walk into a Chase Bank with XXXX forms ID XXXX XXXX Would have to Take and Airplane or Buss to Chase Bank //////////// Chase Fraud departments give zero help with transferring money out of the Bank /////////////////////////////////////// Calling Chase Bank executive office said XXXX XXXX XXXX XXXX XXXX and XXXX XXXX where handling my Compliant so i called them 5 Days with zero response nobody told me there where Handling the Consumer Finance Compliant so I should have 100 % never called them //////// Purchase {$1800.00} as XXXX XXXX and XXXX XXXX wanted me to Call the bank to Approve Transaction was approved then my next XXXX online Credit Card Purchase all declined everyone suspect me of Fraud
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I am writing to formally dispute the fraudulent account that is still appearing on my credit report. Despite my previous attempts to rectify this matter, the erroneous account continues to negatively impact my creditworthiness. Furthermore, I believe that there have been violations of the Fair Credit Reporting Act ( FCRA ) in the handling of this dispute.
Consumer complaint received 2024-04-25
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.

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 informationisinaccurate.
Consumer complaint received 2023-09-15
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. ()

I've diligently pursued resolutions for the inclusion of these accounts on my credit report, which are entirely unrelated to me. Unfortunately, my multiple dispute submissions have not led to the removal of these erroneous accounts from my credit history. In addition, I've taken the initiative to file numerous reports with the FTC regarding these accounts, which do not have any rightful connection to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VI)

I had a loan with XXXX XXXX, XXXX XXXX which was opened on XXXX of XX/XX/XXXX and closed on XXXX. I had written the bank a letter as I was instructed to do by a bank officer, informing them that I was going to be admitted to the hospital in XXXX thru XXXX of XXXX to begin a operation on XXXX XXXX then the second one will be done on may thru XXXX of XXXX. I felt that the bank would had honored their commitment since that they were informed in writing but to my surprise I was sadly mistaken that the missed payments show up on my credit report for the times that I was hospitalized. I have been asking the bank to be responsible and correct the mistake or have it remove from my credit report altogether but instead they removed the account with the perfect payment history and left the derivative one that they should have fixed. I am very sad and heartbroken that a banking institution of this magnitude would not do what is right. I am hereby asking the bank to correct its mistake so that I can move forward.
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: EQUIFAX, INC. (TN)

The Following Accounts are fraudulent XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX ) XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX
Consumer complaint received 2023-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I am filing another complaint, as a follow up to # XXXX XXXX which I filed with CFPB on XX/XX/2023 about Citizens Bank. This complaint was closed after a letter was sent by XXXX XXXX from the office of the Chairman at Citizens Bank. 

As I indicated in the feedback I provided on the CFPB site and in XXXX voice mails to and an email to XXXX XXXX ( last week and again yesterday ) -- the issue from the original complaint has not been resolved. It has now been XXXX weeks since I first made the claim ( XXXX ) to Citizens that a check had been fraudulently cashed on my account and they have provided no indication of when a final determination would be made. 

While I appreciate that Citizens finally offered a provisional credit ( reference number : XXXX ) to my account for the {$5000.00} that was fraudulently taken from my account, this credit is only provisional, and even at that, was not provided until almost XXXX months after I filed my original complaint with Citizens. It should also be noted that the XXXX Citizens employees I spoke with prior to filing my complaint with the CFPB all agreed that you could clearly see the outline of the name of the original payee on the check that was fraudulently cashed. The letter from XXXX XXXX indicates that Citizens takes the matter of fraud seriously and that it takes XXXX weeks to investigate and resolve a claim. It has been XXXX weeks since I filed this claim and the letter states that this claim is still under investigation. There is no indication of when a final determination will be made and when ( if? ) the provisional credit will become an actual credit. In addition, Citizens does not have a clear and transparent process in place, and as my original complaint stated, I received different messages from XXXX different Citizens employees about the time line and the question of a provisional credit. Until my account receives a full credit of the funds fraudulently taken from my account, my complaint stands.
Consumer complaint received 2023-12-21
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Payfare International Inc. (MO)

I work for XXXX from time to time and use their XXXX XXXX ( XXXX ) to receive my payments. I've been noticing that funds where not adding up correctly. My wife informed me to check my transaction and I found out that I had several charges being deducted from my account from " The XXXX XXXX ''. I've never heard of them in my life. I called customer service on XXXX to inform them that my account has been hacked and to dispute all of the charges. They had me change my password, deactivated my card and charged me for a new replacement card. They informed me to fill out a dispute form and they will investigate with XXXX business days. 

I continue to XXXX and keeping the funds in my account. I have yet to receive my replacement card and I noticed that my funds was taken again on XXXX. I called customer service again asking them " How can they continue to take money from me when I do not have a card? I believe this is someone that works within the company that is hacking my account. '' They continue to ask me to change my password and transfer my remaining funds to another card and they will investigate. 

I just received an response today ( XXXX ) informing me that it is my fault that my account was hacked and I would not be refunded for the funds taken from me since I did not reach out to them in XXXX, XXXX  when it first happened. I informed them that I just now looked at my transactions and noticed that they have been taking small amounts from me until now. How is that possible for me to be held accountable for my account being hacked. I have attached all communication and charges taken from me.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am filing this complaint against Experian and XXXX XXXX. I just filed one with XXXX XXXX because I thought they weren't updating their files or the account on my credit report since I paid them off in XXXX of XXXX, but I noticed XXXX XXXX has been showing as settled with a {$0.00} on XXXX since XXXX of XXXX. I can't be sure if XXXX XXXX only updated my XXXX report, or if XXXX XXXX and Experian were notified and they just didn't update their records. But since I am noticing another one of my debts which shows as {$0.00} and paid off on XXXX since XXXX as well which would be the XXXX XXXX XXXX XXXX, and not on Experian and XXXX XXXX, then I believe its Experian and XXXX XXXX which are not doing their job. I need them to remove these accounts from my credit report now since they are clearly sabotaging my credit report. It is unlikely 2 different creditors only updated their info with XXXX. It is more likely that Experian and XXXX XXXX are simply not doing their job and correcting my report like they should be. Even more so since I called XXXX XXXX on XX/XX/XXXX and I let them know they needed to fix this. 

I now need them to remove these accounts from my credit report since they have been wronging me since XXXX of XXXX.