davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX I noticed an unauthorized charge on my account an ATM withdrawal for {$260.00} using XXXXXXXX XXXX while I was at work at XXXXXXXX XXXX. This was very suspicious because I didn't even know you could use XXXX XXXX to make ATM withdrawals. I called Chase to file a claim based on this fraudulent charge and they told me they would investigate. 

That weekend XX/XX/XXXX I took the time to comb through my bank statements and noticed more fraudulent charges dating back to XX/XX/year>. These were all charges of the same nature, XXXX XXXX used at an ATM to make a withdrawal. I reported these as unauthorized charges to my bank. The claim XXXXpecialist said that these XXXXXXXX XXXX withdrawal frauds were getting more prevalent and they said they would conduct an investigation. 

Today I got a notice about the initial charge I reported and the claim expert told me they couldn't determine if I had made the transaction or not so my claim had been denied. Shocked, I asked them " What was the process of their investigation? '' They didn't give me that information. I told them that my XXXX ID must have been compromised because, at the time of the fraudulent activity, I was at work. The place where the fraudulent activity occurred is hours away in a town I've never been in. I uploaded my work time stamps to corroborate my story I even uploaded documented tasks and emails I was working on during the time of the unauthorized transaction. I work on-site so there is no way I could simultaneously complete and document tasks while driving to a city XXXX hours away to pull {$260.00} out of an ATM. I also gave them evidence of my schedule and evidence of me having worked that schedule. Tuesday, XX/XX/XXXX I worked XXXX XXXX. I was at work clocked in on-site when the fraudulent activity occurred. I don't know how my claim was investigated and why they don't think it's not suspicious that all the fraudulent activity on my account is the same, XXXX XXXX withdrawal from an ATM. 

Also, these fraudulent ATM XXXX XXXX withdrawals were happening to me pretty frequently and after I had Chase delete and reset my XXXX XXXX  those charges stopped. This is evidence that this activity was not authorized by me.
Consumer complaint received 2024-06-25
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: ALLIANT CREDIT UNION (GA)

Subject : Follow-Up on CFPB Complaint ID # XXXX - Unaddressed Legal Violations Dear Alliant Credit Union, Thank you for your response to my CFPB complaint. However, I must point out that your response does not address the specific legal violations I raised. 

1. **15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ) ** : Late payment information, as transactions solely between myself and Alliant, should be excluded from my consumer report. Your response did not address this exclusion clause. 

2. **15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( ii ) and ( iii ) ** : You did not confirm whether you provided the required disclosures and opt-out options before communicating information among related entities. 

3. **15 U.S.C. 1681a ( d ) ( 2 ) ( B ) and ( C ) ** : The inclusion of unauthorized credit extensions in my report was not addressed. 

4. **15 U.S.C. 6802 ( a ), ( b ) ( 1 ) ( A ), ( B ), and ( C ) ** : Your response lacks confirmation that required notices were provided before disclosing nonpublic personal information. 

5. **15 U.S.C. 1637 ( b ) and ( b ) ( 10 ) ** : You claim periodic statements were available electronically, but you did not provide evidence that these were consistently accessible 21 days in advance as required by law. 

6. **15 U.S.C. 1681s-2 ( a ) and ( b ) ** : The inconsistencies in reported credit limits and late payments were not addressed adequately. 

Your response focused on the accuracy of reported information but failed to address the legal exclusions and specific requirements under the Fair Credit Reporting Act ( FCRA ) and related laws. I request a thorough review and correction of my consumer report in compliance with these legal standards. I also demand compensation for the damages incurred due to these violations. 

I expect a prompt resolution and a detailed response addressing each of these issues to avoid further escalation. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

XXXX XXXX is reporting a collection account on all my credit files that is not mine and is inaccurate. I sent a dispute letter asking for validation information and they did not respond. When I called they said I owe for changing insurance companies which is my right to do as I was not under any contract of any kind and not obligated to stay.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSWORLD SYSTEMS INC (CA)

University Account Services reported a XXXX XXXX XXXX student loan debt to credit reporting agencies, which has greatly diminished my credit score. I have no knowledge of such loan. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I was XXXX XXXX XXXX at the time, I am XXXX XXXX XXXX now. I received a XXXX XXXX XXXX at the time. 

Respectfully, XXXX XXXX
Consumer complaint received 2024-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/year> there was a fraudulent wire transfers were made from my CHASE Accounts. Checking account a fee of {$25.00} and transfer of {$1200.00} was made. I DID NOT DO. 
Same day fraudulent wire transfer of {$1100.00} and a {$25.00} fee. 
I called the bank. Received my savings of {$1100.00} was given back but not my fee of {$25.00} I have called numerous and numerous of times, have been in the bank 3 times, have filed a fraudulent claim with bank, filed a police report, and filed a FBI claim. The bank finally told me that their investigation showed it was fraudulent but could only retrieve {$30.00}. That I can't get my money back. 
I have been put through it with Chase. Nasty things said to me about me making it, when I didn't. 
On my Chase history shows XXXX web attacks, they tried to get the money out 4 times before being successful. Chase never contacted me. 
They have made me feel more like a criminal then then Victim. 
I just want my money back and fees {$1200.00}
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

I am writing to dispute the following inquiries. I did not owe this debt and it does not belong to me. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. s not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

In accordance with the Fair Credit Reporting Act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account Name : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX in XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX However they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reported correctly.

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 2024-05-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

My payments are always made on time ; I'm absolutely sure of this. However, I'm unsure why this company is reporting me as late for certain months, which is incorrect. According to USC 1666b, any billing errors should be rectified, or they'll be liable to pay me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2024-05-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (WV)

Spent hours on the phone only to be sent to Borrower Defense. However Borrower Defense states it should be Aidvantange as the loan was forgiven with out need of application due to actions by XXXX XXXX.
Consumer complaint received 2024-05-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (OK)

I have my bank set to XXXX  pay. I pay my account XXXX a month, somehow, the amount due increased to an additional XXXX. I didn't realize it, I don't use this card except for vet emergencies. I haven't used it in almost XXXX years. I took a look at my account and was shocked at how much I still owed when I have faithfully made my payments. Then I saw I missed the XXXX increase so they have been charging me a late fee of XXXX. I pay XXXX, they charge me XXXX This is ridiculous. I wasn't behind enough to send an alert to me about payment but just behind enough that they have made XXXX off of me for XXXX  and XXXX. This happened a XXXX  years back and I called and this bank refuses to remove ANY type of late fee. I'm sick of the practice and feel it is wrong to gouge a customer like this. My husband lost his job in XX/XX/2023, as I said I only use this card for vet emergencies. I'm going to need it and not only have I paid hardly any of my balance down but Care Credit has made a boat load off of my ignorance. With our finances stretched to the XXXX, I would like XXXX months of late fees be applied to my balance. I will up my XXXX  amount to make sure there is not XXXX somewhere not paid promptly that initiates this sick way of doing business. It's not fair to take advantage of customers in this manner.
Consumer complaint received 2024-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC. (VA)

Citizens closed my debit card and put my account " under review '' while I don't have access to the only money I have, they will not tell me why or how this happened or how I can get my money back. it's caused a lot of stress because money does not fall on trees, and this is why we put our trust in banks to stop people pr scammers from accessing our money. not for them to stop me from accessing MY money.
Consumer complaint received 2024-06-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Tan Oak Financial (KS)

received a voicemail from XXXX from a XXXX XXXX stating I needed to contact him concerning an important matter and when I called the number in the voicemail ( XXXX ) a male with an accent answered stating he was with XXXX and XXXX and so I hung up and called XXXX and XXXX XXXX answered and then stated that I owed XXXX XXXX {$900.00} and it was filed in XXXX XXXX and it was from XXXX. I stated it was taken care of and offered my attorney and he asked what for and being at work I did not want to reveal my XXXX and he stated if it was for a bankruptcy ( which occurred in XXXX and was case XXXX in the state of Nebraska XXXX XXXX ) and that this was a civil matter and that a XXXX wouldn't take care of my debt and then i said it would and he stated that he would refer me to the district attorney and have me prosecuted with criminal charges and then he hung up on me. I called back and he became belligerent and stated this was a civil matter and not to quote the law to him and that he would have me prosecuted. I have contacted my attorney for the XXXX  and given them the information as well. As far as I know not paying a debt is not subject to a prison term so how dare he threaten me accordingly.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

" " I recently reviewed my consumer report and noticed an incorrect late payment record on my ( CB/KAY - XXXX ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. '' '' "
Consumer complaint received 2024-07-14
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. (AZ)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
My primary name is reported wrong, inaccurate and incomplete Account name : XXXX BANK Account number : XXXX XXXXXXXX Account name : XXXX XXXX Account number : XXXX XXXX Account name : XXXX XXXX XXXX XXXX 
Account number : XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account number : XXXX XXXXXXXX Account name : XXXX XXXXXXXX XXXX Account number : XXXX XXXX Account name : XXXX XXXX XXXX. 
Account number : XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account number XXXX XXXXXXXX Account name : XXXX XXXX Account number XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account number XXXX  XXXX Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, 15 USC 1681s-2 ( a ) ( 1 ) reasonable cause to believe that the information is inaccurate, 15 USC & 1681s-2 ( a ) ( 7 ) negative information,15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies,15 USC 1681a ( q ) ( 4 ) Definition : identity theft report,15 U.S. Code 1692k - Civil liability and send the required notifications to all Furnishers of this information.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My account with CAP ONE AUTO was never late! I have had exceptional payment history with CAP ONE AUTO and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to XX/XX/XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


CAP ONE AUTO Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-07-14
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)

Hello, my name is XXXX XXXX. I have viewed my credit report and realized there are accounts that are reporting inaccurate, nor does it belong to me. I have listed in the report below information of all accounts that were not authorized by me and need to be removed urgently. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
I noticed this problem in XX/XX/XXXX Accounts Account Name : XXXX XXXX Account Number : XXXX Account was open : XX/XX/XXXX Account Balance : {$590.00} Account Name : XXXXXXXX XXXX Account Number : XXXX Account was open : XX/XX/XXXX Account Balance : {$1500.00} Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account was open : XX/XX/XXXX Account Balance : {$580.00} Account Name : XXXXXXXX XXXX Account number : XXXX Account was open : XX/XX/XXXX Account Balance : {$1800.00} Hard Inquiries Inquiry Name : XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquiry Date XXXX XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXXXXXX XXXX XXXX Inquiry Date XXXX XX/XX/XXXX Inquiry Name : XXXXXXXX  Inquiry Date : XX/XX/XXXX My current home address is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. The addresses reported in my report are incorrect, do not belong to me and need to be removed from my credit report as soon as possible. 
Addresses Reported : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-06-21
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC (GA)

Well I Had a Mortgage With Greehtree Finance, and When They Sold Out to Consico Finance I Had Trouble With Both Mortgages Companies, and In XX/XX/year> I Sent Them a Payment for my Mortgage, and they Left it in there Post Office Box, and Never Picked UP The Payment, but a BIG FINANCIAL COMPANY Like That I KNOW My Payment Was Not The Only Payment In That Post Office Box So They Repoed My Trailer, and Turned Around, and Sold IT Then Sent Me a Letter about Five Years Ago Making IT Look Like I Worked For Them, and Made About {$45000.00}!!!! They Also Called Me At Work When I Worked at XXXX About There Payment That I Was Behind On, and I Have a Few Witnesses To That!!!!
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. (OH)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2024-05-16
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. (FL)

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 15USC 1681.

The accounts bellow have violated my rights.

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 ) : Except as authorized under subsection ( b ) of this section, 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 ) : 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 2024-05-16
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. (IL)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.