davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-10
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. (PR)

This is my 7th 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 alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$3400.00} LXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$27.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PR XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX, PR XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PR XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-11
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. (GA)

This is my first 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-11
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

Transunion us reporting incorrect date snd data on a XXXX XXXX XXXX XXXX XXXX XXXX XXXX It took more than 45 days to investigate and dif nothing
Consumer complaint received 2023-05-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (PR)

On XX/XX/XXXX, an unauthorized debit in the amount of {$1300.00} was performed on our checking account. It mentioned online realtime transfer to XXXX XXXX, transaction # XXXX, reference XXXX XX/XX/XXXX. When I noticed such transaction that same day, I contacted Chase immediately. They mentioned that it showed as a transaction paying a XXXX XXXX account. I mentioned that the transaction doesn't belong to us and request opening an investigation. Claim number assigned by Chase was XXXX. 

On XX/XX/XXXX, Chase responds that the claim doesn't proceed because it allegedly was done with my wife 's login credentials. We proceeded to change and suspend login credentials for my wife and I changed password on my credentials. I again insist that the transaction was done incorrectly and in XX/XX/XXXX, my wife and I submit a letter where we state that we've never had a relationship with XXXX XXXX and that funds should be credited as soon as possible. On XX/XX/XXXX we receive another letter stating that our claim was denied. I contacted XXXX once again and they stated they were going to forward all available information for our review. This never happened.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (PR)

Furthermore, as you can see from the information above, this agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), 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 to whom the report relates.

They are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. 
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
I, therefore, request that they immediately delete the items specified above from my consumer file with their agency. Failure to do so will require that I take appropriate legal action. 
All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). They knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. 
For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; XXXX. Permissible purpose {$1000.00} XXXX. Defamation of character {$1000.00} XXXX. Damaged reputation {$1000.00} XXXX. Damaged credit worthiness {$1000.00} XXXX. Damaged mode of living {$1000.00} XXXX. Infringed on right to privacy {$1000.00} I demand them to Cease the reporting of this erroneous and deceptive information on my consumer report and delete the specified accounts from my consumer report and all their systems.
Consumer complaint received 2020-02-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (FL)

As of XX/XX/XXXX my account was locked once again because of square cash false accusations of suspicious activity a friend of mine was sending money she owed and me and cash app rejected my funds and locked my account for no reason at all I will seek legal help if this problem persists in the future
Consumer complaint received 2024-04-11
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. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  # XXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX, has violated my rights. 


XXXX XXXX XXXX # XXXX 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 an account without my written instructions.
Consumer complaint received 2023-05-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica (PR)

I have requested various transfers to my bank account and I have been declined the transfer ; as to their investigation my id were invalid ; therefore the transfers were declined. Starting on XX/XX/2023 until XX/XX/2023 ; I submitted seven transfers for {$200000.00} and all the transfers were declined. After many calls to Customer Service, I was told my ID Drivers License Real Id was invalid. That I needed a USA Id. On XX/XX/2023 ; Isent out an email with my Drivers Lic from PR, XXXX bank notification, voided check showing my owner holder of the account. on XX/XX/XXXX, the XXXX attempt I sent the documentation required. On XX/XX/2023, I sent the front and back of my Military retired ID, SS Card with my complete name, XXXX Consolidated Statement, Drivers LIc., and XXXX XXXX Account Verification . As of today, I have not been able to contact DirectExpress. XX/XX/2023 XXXXXXXX XXXX., I called XX/XX/XXXX ( 7 times ) XX/XX/XXXX ( XXXX times ). The automated system says to call at another time due to high heavy volume. I am pursuing with this complaint because I need someone to assist me and to provide information that is of value for all other disable veterans who might be facing similar situation receiving their money w/Direct express. How can you report a lost card if noone answers ; or address any issue.
Consumer complaint received 2023-06-15
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capitolone has been negligent and uncooperative in investigating these fraudalant charges.Presently they reversed the last of two charges that I did not make.A {$400.00} cash advance from an ATM. Recieved today through cfpb that they are " still investigating '' .I am requesting their security team access the CCTV to show who made the cash withdrawal.Safeguards at the ATM were compromised and Capitolone not only did not protect me from the fraud but attempted to make me liable for the fraud.This has cost me time, money and stress.Lastly, Capitolone has compromised user information in the past, as in 2019 with almost one hundred million users.
Consumer complaint received 2024-01-14
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. (MA)

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXXXXXX XX/XX/2024. 


I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2023-11-09
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. (TX)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (PR)

More than 7 years ago I submitted police complaint documents and police report showing as a victim of identity theft to the American Express company, and they continued to charge me, they filed a lawsuit with the court and never validated the information submitted on that occasion. Now in this past month they froze my bank account for an amount of {$4200.00} money that I have in the bank of my children who give them to me monthly to collect their money to buy their house. This is something unfair and an outrage against people who are victims of fraud and open accounts in our name and then banks issue cards to anyone without verifying their identity, I need your help urgently because this bank is violating my rights after more than 7 years without knowing about them appear now to freeze the money that is in the bank of my children who are also with me in the account Bank. Unfortunately I do not have the documents I sent you back then since so many years have passed since it has been so many years of disputes over identity theft which opened not only that account, but about 4 more thankfully verified everything that was indeed identity theft except American Express. Never in my life had account with that bank, please help me I am very desperate with this situation even the number of DOCKET is XXXX XXXX XXXX XXXX WITH A MARSHAL called XXXX XXXX, with phone XXXX and email : XXXX I have difficulty communicating because I do not speak XXXX and I currently use XXXX translate to write to you to intercede with this harassment of the bank that does not belong to me.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANCO POPULAR DE PUERTO RICO (PR)

Unauthorized credit inquires and fraudulent accounts opened without my consent. 

Inquires 1 XXXX XXXX XXXX XXXX XXXX 2 ) XXXXXXXX XXXX XXXX XXXX XXXX 3 ) Popular Auto XXXX XXXX 4 ) Popular Auto XXXX XXXX XXXX 5 ) XXXX XXXX XXXX XXXX 6 ) XXXX XXXX XXXX XXXX XXXX XXXX  Accounts 1 ) XXXX XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXX XXXX 3 ) Banco Popular PR XXXX XXXX XXXX
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

My name and addresses are in correct on all three larger Credit bureaus XXXX XXXX and Equifax My name is : XXXX XXXX address is : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX last XXXX social : XXXX
Consumer complaint received 2023-07-13
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: Experian Information Solutions Inc. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service representative.
Consumer complaint received 2023-05-04
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: Experian Information Solutions Inc. (PR)

By this means I resort to the help of your agency to solve what to my best understanding the credit agency Expirian to erroneous in my credit report. In my credit report there are several accounts which are XXXX  years old and continue to affect my credit and affect my quality of life and good living in union with my family. These accounts are as follows : XXXX, XXXX XXXX, XXXX where they are closed. 
Expanding this request I inform you that for the date of XX/XX/XXXX my car was repossessed by the XXXX XXXX that this vehicle was never recovered by me. In XX/XX/XXXX the car changed the code to XXXX which stands for Change Of. In XX/XX/XXXX until XX/XX/XXXX it had a code of N-D that means, No data for this period. In XX/XX/XXXX until XX/XX/XXXX I had a XXXX / XXXX code. That the XXXX car was repossessed by the XXXX XXXX in XX/XX/XXXX, that said company disposed of the car and processed it from that date under its responsibility. That all those retracted arrears and code changes were not under my control. Apparently that account was acquired by a second person and the Expirian credit agency seeing their code could not amend their errors where it affects me.
Consumer complaint received 2023-05-03
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: EQUIFAX, INC. (PR)

The Equifax credit agency on the aforementioned dates from XX/XX/ I presented XXXX ( XXXX ) disputes with an age of more than 7 years related to credit cards and I requested that they be deleted from my credit and they do not proceed to carry out my request where according to my best understanding they did not remove it from my history. 
At the time of filing the disputes, the aforementioned credit agency lowered my rating, understanding that they were abusive and arbitrary since the same complaints improved my score. 
These accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
In the dispute presented to XXXX XXXX I do not agree with the classification they selected since the account was settled. In addition, I request that any other account with more than 7 years be removed from my credit history and my score that they lowered me be restored and updated as established by law, if I have rights in relation. 
This action on the part of the Equifax Agency has caused me a lot of suffering due to its attitude and arrogance. I request on behalf of this subscriber to be right in my claims that my claims can be resolved. Since to my best understanding based on the law I make this claim before your consideration.
Consumer complaint received 2023-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (PR)

In XX/XX/23 ( 14 days elapsed today ) I paid the total balance of my card, my money was debited from my bank account, but my credit limit, 2 weeks later, still doesn't reflects the payment. Synchrony has been using my cash for two weeks, without reflecting the payment in the available credit. 

Bear in mind that my payment was a money transfer from a bank account to Synchrony, we are not talking here about waiting for the clearing of the fund, which is the excuse that Synchrony use. " Since it is a significant amount we put a hold in the application of the payment ''. The funds must be cleared at least 10 days ago. In the meantime, Synchrony is withholding a debt that does not exist to charge interests eventually. 

I think that the CFPB should consider this ilegal appropiation of funds, not just to receive a superficial, non valid answer as to the waiting period to apply a payment. In summary this should be considered as appropiation
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"