davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (TX)

I contacted Chase Bank back in XX/XX/year> about Checking/Savings account 's that Chase bank had allowed to be opened without my consent, due to identity theft. These accounts were opened a few years back, I believe. I never received any account opening documents. I have never lived at any of the addresses they have listed on those accounts. I did not sign any account applications, and I never received any debit cards. I also did not apply for any credit cards with Chase bank. I did not apply for any checking or savings account 's either. First of all Chase Bank confirmed they closed most of the checking and savings accounts with exception of the following accounts One ending in XXXX. On the XXXX It says you denied my claim, and when I called to ask why I was told to send a police report in that shows the Chase Bank account 's opened fraudulently. I was also told it was because some payment made to a XXXX XXXX XXXX XXXX  XXXX XXXX account. Neither of which have I ever done business with. So any transfers that would have occurred would of course be Fraudulent. These account 's were opened as Identity Fraud. I sent an identity theft affidavit. I am reattaching the affidavit. Along with a Police Report submitted on behalf of the Chase Bank accounts. It is also worth noting that Chase Bank had allowed another email address to be registered also ( XXXX ) This is not my email address. Lastly the letters that they supposedly sent regarding the credit cards were sent to some XXXX XXXX address in XXXX, I don't know whos address that is but it makes sense why I never received those letters. Regardless Chase bank has an obligation to remove my liability from ALL Checking and Savings accounts. I should not be responsible for accounts that were opened by an Identity Thief, and Chase Bank should take my claim more seriously as opposed to just denying the claim and then telling me you verified it to public sources? What Public sources? If it was any address you verified in the past most likely it's been removed from my profile because I did not live at those addresses and I have updated my credit files with Extended Fraud Alerts. I want to confirm that Chase Bank does remove and close the fraudulent checking and savings accounts. Chase Bank should not have me flagged for Accounts I never opened nor conducted business on. I have no monetary ties to any of the said accounts, and Chase Bank has these accounts linked to my social and should not. These Accounts are and were fraudulent. An Identity Thief/Fraudster opened these accounts, and I want to confirm Chase Bank Identity theft department has resolved this issue. IF I ever happen to want to open a Chase Bank account in the future I should be allowed because I never opened the previous accounts to begin with. I have never been a chase customer. Please correct your information and close the fraudulent accounts. Every bank should have an identity theft department and should properly investigate my claim.
Consumer complaint received 2024-08-07
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

My account was closed on XX/XX/year> with no notice, and no cause. Account was current, and paid per the terms and conditions of the account. Capital One elected to cash out my points at the best value for them, and not give me a chance to use points I had legitimately earned through use of the card, which is deceptive giving me just long enough to earn the bonus, pay the fee, and then cancel the card. 

I had approximately XXXX points in the account at time of closure, and they liquidated them for approximately {$530.00}, as a cash credit, when I had numerous travel charges they could have been redeemed against at a higher value.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Dear Consumer Financial Protection Bureau, I am writing to lodge a formal complaint against Experian for their refusal to remove fraudulent accounts from my credit report, despite multiple attempts to resolve this matter. 
I am a victim of identity theft and XXXX XXXX, which has resulted in several unauthorized accounts being opened in my name. Specifically, there are four fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that are still listed on my credit report. 
Experian is in clear violation of Section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, section 605B of the Fair Credit Reporting Act, and section 605C of the Fair Credit Reporting Act Despite providing Experian with all necessary documentation and repeatedly requesting the removal of these accounts, they have failed to take any action. This inaction is severely impacting my financial stability and causing undue stress. I would like your help in making sure that Experian meets its legal obligations and removes these fraudulent accounts from my credit report as soon as possible. 
Thank you for taking a look at this urgent matter. 

Enclosed are : A copy of my Police report, Identity Theft Report, proof of my identity, and address. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-17
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: EQUIFAX, INC. (CA)

It is my personal statement that the inquiries that I have listed were not created by me and need to be deleted on grounds of identity theft pursuant to 15 USC 168c-2. Also, please update my personal information pursuant to 15 USC 1681e ( b ). Please DELETE ADDED INQUIRIES : XX/XX/XXXX. ADD CURRENT EMPLOYER : XXXX XXXX XXXX. 

PLEASE SEE ATTACHED IDENTITY THEFT REPORT.
Consumer complaint received 2023-07-31
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Duvera Billing Services, LLC (OH)

XX/XX/2023 was my first payment to XXXX XXXX for the purchase of animals from XXXX XXXX in XXXX Ohio ( ferrets ). The total loan amount was {$720.00} with an APR of 133.97 %. At the time of signing this agreement, I was XXXX XXXX XXXX and did not know the meaning of interest rates. I was rushed to sign the papers and make the purchase by the company, XXXX XXXX. I have come to learn that this APR would be considered a " predatory loan ''. I did not realize this until early XX/XX/2023 when I found that I still owed {$750.00} on my loan. I had made payments of {$42.00} biweekly up to that point, which would have been around 15 payments. Logically I should have only owed about {$91.00}, yet my balance was still {$750.00}.
Consumer complaint received 2024-07-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (IL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-07-17
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. (MI)

According to 15. U.S.C. 1681 i-5 by law you are obligated to reinvestigate this inaccurate account XXXX XXXX XXXX XXXX Account # XXXX : Please DELETE from Credit Report Please remove this inaccurate information from Credit Report. Thank You.
Consumer complaint received 2024-08-02
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)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-06-25
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. (FL)

This is my second-time requesting 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-06-01
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. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-08-21
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: AMERICAN EXPRESS COMPANY (TX)

Hello, I reserved a place on XXXX between XX/XX/XXXX - XX/XX/XXXX for XXXX XXXX XXXX weeks prior in XXXX. 
A few days after I made the reservation, I contacted the host and asked what his policy was if I brought my XXXX son. He wanted an additional {$800.00} for him to tag along which I felt was price gouging. 
I asked the renter if I could cancel my reservation, and he can rent his property to someone else and he made the following promise to me : ( see attached ) " You will need to cancel the booking, and I need you to do so immediately, to give the most amount of time for others to book the space ... My existing refund policy will remain in effect until they do - at which point I will refund you here through the app. '' Translating that the host had made a promise outside of XXXX 's refund policy. 

Prior to the rental I looked at XXXX and noticed the property was not available for others to rent and appeared to be reserved for all XXXX nights as the days were stricken from the calendar and it said unavailable when I clicked on those days. 

On the final day I contacted the host asking him for a full refund as he had the place occupied all XXXX nights per the app calendar and he told me he only had the place reserved XXXX of the XXXX nights. I asked him why the other XXXX nights were not available for others to rent and he told me he can do whatever he wants with his property. 

This was a broken promise by him as he promised to rent it to others and with him removing the listing it was a breach of our agreement. 

I contacted XXXX customer support and they told me they abide by their refund policy and acknowledged that he broke his promise and that was okay with them, they offered me a XXXX night refund which I declined. 

I then contacted my credit card AMEX, I have been a customer for nearly XXXX years. I filed a dispute and sent them everything. They said they do not disposition outside of XXXX 's cancellation policy, but they acknowledged that the host had broken a promise with me and it wasn't right. 

I contacted AMEX again today and filed a complaint as they didn't properly disposition my case and would ask the CFPB for assistance with this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (NJ)

Navy Federal Credit Union does not have a nearby location so most of my deposits are made in cash at co- op atm and I have never had a XXXX hold placed on a cash deposit. I deposited cash at a co op atm location where i got the info from the navy federal credit union website because I was travelling, and it gave me the location of XXXX XXXX XXXX. I proceeded there and made a cash deposit of XXXX and it never showed up in my account. I called XXXX XXXX XXXX and they confirmed my cash deposit. I called my bank Navy FCU and spoke with XXXX and was told there's a XXXX hold on cash. This is unacceptable. I think Navy FCU is placing unnecessary hold on my deposits intentionally. My accounts with them have always been in good standing. The deposit amounts are small. So because i filed a complaint about my previous deposit now everything i deposit moving forward will be place on extended hold including cash??? If you review all my cash deposit at different co-op atm i have never had a XXXX hold placed on cash. I spoke with XXXX the supervisor and she said even though the Navy FCU has this location on their website if they don't receive a image from the bank of deposit the transaction from XXXX XXXX XXXX its subjective to a XXXX hold i informed her again it was cash. No one can justify placing a 5 day hold on. XXXX XXXX the manager from XXXX XXXX XXXX phone number XXXX ext XXXX call me back to verify everything went through ok on their and even though Navy FCU doesn't have the image they claim they needed to justify the hold XXXX is willing to fax them a copy of the image they need to confirm it was cash and she said they never had an issue like this before especially since its cash. So, what's the real issue here XXXXavy Fed CU? This is intentional.
Consumer complaint received 2024-05-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: EQUIFAX, INC. (GA)

Reported companies and affiliates Equifax, XXXX XXXX XXXX  XXXX  al are in possession of my stolen credit card ( social security ) 15 usc 1602, absent knowledge, consent or agreement. 15 usc 1692c ; 15 usc 6802. Companies refuse to cease and desist usage of identified theft accounts which I have identified in the attached identity theft report. 15 usc 1681 c-2, 4 day block. I have demanded block of usage of these identity theft accounts
Consumer complaint received 2023-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-25
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-20
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION (NJ)

I applied for a Navy Federal Credit Union platinum credit card. Which is known to be a consumer credit transaction in which I received no benefit. That is considered fraud. As mentioned in the Equal Credit Opportunity Act, any application is to be accept. This institution denied me due to my income. That is discrimination which makes it 2 violations of my right to credit. Stated in the act listed above, as well as the Truth In Lending Act. I reached out multiple times via phone, mail, and email. To request an approval for the credit card I applied for. In return I was told that they wasnt going to approve my request for extension of credit applied for. This has been very detrimental to my household. I have knot in my stomach. I lack sleep. My children were expecting what I promise they would have. I feel that my family has lost respect for me. I cant get my car fixed and because of that my child have to walk and sometimes catch a bus to and from school, in and thru a rough part of my community. This issue has gone on since XX/XX/year>, the day applied. Im hoping to hear from someone soon to get this matter resolved as quickly as possible. Thank you.
Consumer complaint received 2024-08-22
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: CITIBANK, N.A. (NC)

I disputed a charge in the amount of {$160.00} transaction date XX/XX/year>. I received one letter from them saying they was investigating my claim and are working to resolve it as quickly as possible. Then I get another letting from them saying they completed the investigation and they credited the {$160.00} back to my acct. Now they are putting the charge back on my account again. I have sent them a copy of the letter they mailed to me saying they completed the investigation and credited my account. They are trying to come up now and say the company provided them with docs about the cancellation policy. This should have been provided to them before they closed the investigation on this dispute. Since they have already said they investigated and had put the credit on my account and it was ruled in my favor they should not be able to put this back on my account
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (WY)

I looked at most recent credit report on XX/XX/year> and noticed I have XXXX addresses I've never lived at and don't receive mail to on my experian credit report I called and sent letters on XX/XX/XXXX to remove these addresses and they refused saying that they are attached to inaccurate negative accounts on my report.i asked them to remove them and sent a copy of my most recent bank statement and driver 's license and they still won't remove the inaccurate addresses.i don't know what else to do can you look into this matter and have the following addresses removed from my experian report 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 2023-03-11
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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.