davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

My name is XXXX XXXX. I am a small business owner. I opened my own XXXX XXXX XXXX XXXX XXXX, XXXX this year. We were ecstatic that we were able to accomplish this and wanted to do banking with our current bank that we have been with since XXXX. Chase Bank made today one of our worst days. After being paid on two home sales we just closed one at XXXX XXXX XXXX {$10000.00} and the other was for XXXX XXXX XXXX XXXX {$10000.00} was wired to our new business account. My husband transferred {$9000.00} to our personal account as payment from our business. He did that twice as we closed two files. After the second {$9000.00} transfer request was declined we received a text message letting us know to contact our bank regarding our account. Once my husband called Chase Bank they stated they closed our business account. We were shocked to hear this and asked for a reason. Chase stated they have decided they were no longer doing business with us but could not provide a reason. The customer service representative told us we should stop by a branch to try and correct the matter and collect our funds. Once we were at Chase Bank we received an email stating there were restrictions placed on our personal account as well. We have been in the same line and of business since XXXX and have always been paid this way. Once we were at the branch in XXXX XXXX. We were informed that all of our accounts were being closed including our childrens accounts were closed. They provided us with no access to any of our money and stated we would receive a check after 10 business days. We explained that Chase was our only bank and we have absolutely no access to any other funds. Our family of XXXX is now without any money due to this closure. We have bills to pay including personal and business. We have no access to get food, diapers or other necessities for our XXXX children. I am deeply saddened that this has occurred. I am mad that I have no control over a decision that was made by a person not caring about my familys livelihood. Your company is terrible to treat their clients this way. If I handled my business like this I wouldn't have one.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-05-21
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (OK)

They are refusing to acknowledge my written verification letter sent on XX/XX/2024. No valid or competent proof of obligation to pay on this alleged debt that I do not acknowledge. How much was the debt purchased for? How was information that's illegal to sale provided?
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (IL)

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 2024-05-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX, I received phone notifcation from Citi credit card indicate there were 3 suspicious purchase in the amount of {$100.00}, {$100.00} and {$210.00} for purchase in total of XXXX " XXXX XXXX XXXX XXXX '' XXXX XXXX XXXX XXXX XXXX '' on my account. I immediately replied no and contact Citi bank to report fraud purchase. I was told by Citibank that I don't need to worry further and they will take care of it. I contact the merchant " XXXX '' to report fraud purchase since the purchase was made on my XXXX account. I was told that scammer changed my account address to California. I freezed my XXXX account right away to prevent scammer to access to my account. Citi bank then offered temperary credits on my account but did not stop the purchase. The purchase went through. On XX/XX/XXXX, I received messages from citibank that they had contact XXXX and was told the purchase were made, they couldn't stop the purchase and it was verified. I continoulsy contacted Citi bank and told them I did not make those purchase and called XXXX myself. XXXX send me a email indicated they noted those transaction are fraud and they flag the transactions. I contacted Citi bank again to provide them addtional information. However, the investigation from Citi bank is taking a such unreasonable amount of time and I had not receive any update about the investigation. I have never received those products and my last contact with XXXX indicated that the tracking number provided by the seller are untrackable. XXXX do not have proof that products were delievered to my address, that means the scammer who created the fraud transaction and the seller who initiate the fraud can be the same person. I need your attention and help as my financial institution is not making any effective measure to protect my account when there was fraud on my credit card account. Citi bank case # XXXX, XXXX, XXXX
Consumer complaint received 2023-12-20
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. (CT)

I have tried multiple times to get the fraudulent address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX off of my credit report to no avail. Please remove it ASAP. Thank you.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Getting unauthorized hard credit inquiries deleted from my credit report is the goal of this complaint. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX 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  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-12-21
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. (MO)

I am writing to express my dissatisfaction and frustration regarding the numerous unsuccessful attempts to remove fraudulent items from my credit file. Despite my consistent efforts to rectify this issue, the inaccurate information persists, adversely affecting my credit score and causing significant distress. 

There are several items on my credit report that are the result of identity theft or fraud. I have submitted multiple dispute requests, along with supporting documentation proving the fraudulent nature of these items. 

I have made numerous attempts to resolve this matter by submitting the required documentation and following the proper dispute procedures outlined by your organization. However, these efforts have been met with limited success, and the fraudulent items remain on my credit report. 

The presence of these fraudulent items has a severe negative impact on my creditworthiness. It hinders my ability to obtain credit, secure favorable interest rates, and negatively influences my financial well-being. 

I kindly request that you conduct a thorough and expedited investigation into these fraudulent items and take immediate action to remove them from my credit report. I have attached copies of the supporting documentation for your reference. 

Furthermore, I expect timely communication and a written confirmation of the resolution once the investigation is complete. It is crucial for me to receive assurance that these fraudulent items will no longer be a part of my credit history. 

If this matter is not addressed satisfactorily within the specified timeframe from the date of this letter, I will have no choice but to escalate this complaint to regulatory authorities and seek legal counsel to protect my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/2022 XXXX XXXX XXXX .
Consumer complaint received 2024-05-22
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC. (NH)

I've been a customer with Exeter Finance for XXXX years I was making my payments on time up till about XXXX months ago when they ( Exeter ) started making it difficult to get into their app. I called them several times finally got thru and they told me " you have to have a computer to login ". I explained to them that I didn't have one just my cell, that was the 1st problem. Found a way to pay my carpayment. So couple of months go by with no issues then I get ready to go back into their app ( Exeter ) and BAM!!!! couldn't get in tried for that whole month then I went to XXXX to see if they could help ( where I bought car ) and they tell me that they no longer deal with them!!!! I was told that I could refinance or sell car I have bad credit now that I cant pay I gave the XXXX a complaint also.They have had a lot of consumers complain about them and I also have read a lot of articles about Exeter. So please can you help I'll send all screen shots too. 
Thank you XXXX XXXX
Consumer complaint received 2023-09-06
Product: Credit card — Store credit 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: CITIBANK, N.A. (PA)

The accounts below are reporting incorrectly please investigate these : 1. THD/CBNA Reason for Dispute : I have been of Identity Theft / victim of fraud. This account is not mine, I did not authorize this credit line request, this was requested from an OHIO address, I have lived in Pennsylvania for more than 15 years and never lived in Ohio. 

INCORRECT CREDIT INQUIRIES I am disputing the following inquiries which I did not authorize : 1. CITIBANK NA/THD Reported : XX/XX/202XXXX XXXX
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

I am writing to formally dispute several errors, discrepancies, and unrecognizable accounts that are currently appearing on my credit report. 

-- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- -- -Experian -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-20
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. (CT)

I went to XXXX XXXX to buy a car, the agent asked if they could run my credit to see if I qualified for a loan. That agent went on to multiple banks and pullled the credit report and that I did not approve I was concerned that it would impact my credit scores. As it turned out it did impact my score. We ended not buying the the vehicle from them. 
About a week or two we went to XXXX of XXXX looked we were interested and they ran my credit report and they also contacted several banks to get me financing I was not aware that they also used multiple lenders. I finally got approval from XXXX XXXX XXXX XXXX and bought the vehicle. 

My bank XXXX XXXX XXXX XXXX sent me notice that my credit score was lowered this week and I contacted XXXX XXXX they recommended that I start a case with your company so I can get a copy from your company and forward it to all three credit bureaus. 

Please contact me asap sincerely XXXX
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (CA)

I have a real huge problem ok I'm a victim of identity theft an my credit report is horrible from what I see I can't even apply for credit because I have so many unauthorized things that people using my name my social security number to get things that I wasn't aware of now I been trying to settle this situation for a long time ok I don't even have a credit score now because of all these hard inquiries please help me how can I get a claim started from being a victim of identity theft is there anything that you can help me out with immediately I need these inquiries disputed off my credit report ASAP
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

XXXX XXXX- is paid but is negatively affecting my account as well as open sky credit. 

XXXX  consumer is reporting false statements and balances. it is paid off as of today XXXX XXXX XXXX XXXX loan servicing ned to report off. that account should not be on my report.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-09-20
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (IL)

Symphony Bank has improperly used my report. First the payments wasn't going through, they said that they see that I submitted the payment and it was returned due to problems when processing. In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 U.S.C. 1681 section 602 states I have the right to privacy. 15 U.S.C. 1666B, A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-12-20
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)

The company has reported erroneously to the credit bureaus that I was late back in XXXX of 2022. I have provided proof to the company of my on time payments and they refuse to remove the entry. Please have this issue rectified as it is the only late payment entry in my credit report with this company.
Consumer complaint received 2023-04-22
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. (PA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$2200.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$450.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$630.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-21
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. (MA)

I opened a letter on XXXX which contained a new Chase Bank, Freedom Unlimited Credit Card along with all legal information, disclosures and pamphlets. 

I never applied for this card or had knowledge of this account being opened. I was apparently hacked. 

I had to call Chase and I had to call XXXX to get my credit cleared and locked. 

I do not know if my other assets are in danger.
Consumer complaint received 2023-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance to Fair Credit Reporting act Company, MY rights have been violated my rights. 15 U.S.C 1681 sect 602 A ( right to privacy ) & 604 A- consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose ALSO REPORTING INFO INACCURATELY WITH DIFFERENT AGENCIES..LATE PAYMENTS DONT MATCH UP.
Consumer complaint received 2023-09-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (NC)

I was getting emails from Chime a couple weeks ago about having created a new account with them when I never took such action. XXXX of the emails notified me that I had changed my phone number. This is the number that it was changed to : ( XXXX ) XXXX. 

I have no idea whose number that is, but I think that should provide some clue about who attempted this fraudulent activity. 

I emailed Chime last week ( XX/XX/XXXX ) to request that the account be closed as it was created under fraudulent pretenses. Soon thereafter I got an email informing me that they were closing the account. 

I just received a Debit card from them today ( XX/XX/XXXX ). I called them to assure that the account was closed. They assured me that it was.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Self Financial Inc. (FL)

I have already reported this information and it has been deemed inaccurate but they keep putting it back on my credit report the information is false Ive already submitted a claim once before I need this information to be removed once again. I emailed this company multiple times to close my account before the due date that I didnt want to continue and they wouldnt cancel it
Consumer complaint received 2023-12-20
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. (NC)

I mailed SEVERAL letters to resolve the FOLLOWING ISSUES to ALL CREDIT BUREAUS. All bureaus FAILED to resolve these issues. 

XXXXReporting the wrong information my EXACT NAME & ADDRESS that appears on my driver 's license. any other names and address are non-mailable & or do Not exist. 
XXXX  Reporting Employer information that i Clearly wrote a letter to inform that i DO NOT want my employment information exposed on my credit reports. Credit Bureaus still have it exposed. 
* Reporting over 100 inaccurate discrepancies ALL OVER MY REPORTS. ALL Credit Scores are different. ALL Balances and overpayments or different. 
*Reporting Student Loans information without mu knowledge and consent. Violating the Family Educational Act *Reporting 2 Bankruptcies that i have a letter from the XXXX XXXX House stating that the DID NOT give ANY BUREAUS consent nor I GAVE any Consent or no knowledge or sign any consent from Bankruptcy to report on my reports. VIOLATING LAWS AND MY RIGHTS AS A CONSUMER *Reporting 4 charge offs that violating laws. these companies knowingly and willingly reporting charge offs that HAD BEEN PAID AND DO NOT EXSIST according to the laws i attached below. 

THIS HAS CAUSED ME TO BECOME XXXX STRESSED LOST MONEY HIGH INTREST RATES THAT IS NOT NECESSARY. I CAN NOT GET ANY TYPE OF REMEDY TO PUSH FORWARD IN LIFE. IT HAS NOT BEEN FAIR TO ME AND MY FAMILY. AND AGAIN, VIOLATING LAWS AND MY RIGHTS! 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore exists. 

I ATTACH A NOTE ON THE LAWS THA ARE BEING VIOLATED.
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX