davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-09
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. (NC)

This is my fourth 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-02
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. (FL)

I recently viewed my personal credit and without my authorization or me benefiting from these acts of knowingly and willingly proceeding without my written consent I found that there has been multiple violations of 15 usc 6802 15 usc 6802b 15 usc 1692 c ( c )
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

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 2024-02-14
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

Received egift card from work for {$300.00}. Card initially worked and was able to order from XXXX. Currently have {$38.00} left and can not spend any of it at any store nor put it on my XXXX wallet. Have tried contacting company after waiting for a half an hour they said I need to keep trying. I have tried at XXXX, XXXX, XXXX online, and even in person stores and every time it is canceled. I don't have time to continue trying and failing. Company offered no help and now I can not get anyone on the line. American Express is very disappointing. I think they might be trying to get people to give up and hoping that they forget about their balances on gift cards. I don't want to do business with them anymore, nor would I consider ever getting their credit cards when there are better options.
Consumer complaint received 2024-02-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

Date of Transaction Amount Merchant Name or Transaction Description Reason XX/XX/XXXX XXXXXXXX XXXX Reason from Chase : You confirmed through our investigation that this transaction is valid. 

I called them a bunch of times about this fraudulent charge that occurred 2 months ago. Someone stole my credit card info and was able to purchase XXXXXXXX XXXX and then XXXXXXXX XXXX + later and fortunately I was able to call chase and tell them this wasn't me that purchased it at all. I already contacted the company called XXXX that is a merchant for virtual gaming goods and told them about the issue. Back to chase I literally stated that I created an account months ago on the site itself to show that I WAS the person that got their info stolen. Chase fraud department doesn't seem to understand at all and they reissued the charged back onto my credit card??? That literally makes no sense and I've been calling them for more than 2 weeks now and they told me recently they have sent a review investigation and would contact me today at XX/XX/XXXX, but they never did? They even told me they were gon na place the charge on hold, but it's still on my chase account and it's gon na take money out of my bank like what? 

Statement from XXXX XXXX : Hello! My name is XXXX. I'm a customer care manager of the XXXX XXXX. Me and XXXX talked to you about that 2 months ago as I can see, at that time I have notified the XXXX and the only thing we can do from our side is tell you to do a chargeback since technically it was used from your account here. We don't really ask for billing addresses but XXXX gets checked by your bank if it is enabled really. Again I never once CONFIRMED or Validated the purchase made they automatically assumed it was me just cause of my card?? This is the worst security breach I've ever witness and seen how it was handled like really chase? 

Now when he said " used from my account '' he is stating that I made one prior to the investigation so I can be in contact with them. Apparently this is too hard for CHASE to figure out who is using my card. Also why is it that someone can just take your card number, exp, and 3 digit code in the back and be able to buy without problem? My XXXX XXXX has a fraud check before XXXXXXXX XXXX or whatever is accepted or denied? Chase doesn't have that and they sent my money through like anyone can use it? I've been waiting for over 2 months now and this is ridiculous.
Consumer complaint received 2024-02-14
Product: Vehicle loan or lease — Loan
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (VA)

I had XXXX credit score and was never ever late on anything. Nissan Finance on my new car did not use my auto pay on my checking accounts linked in XXXX  2023. I had 2 checking accounts linked. Both should have worked. I did not see that it was taken after a month and called them. They already blocked my account and I had to pay from my bank now directly. they were rude, and not helping at all. immediately I lost XXXX points on my credit report. They are horrible people. I disputed it but did not get any results. Still waiting to increase my score day by they and now creditors are looking at more than 16 months to get back to where I was. It is impacting my life. These people are horrible, please help on my dispute. I am never late on anything and I want my credit score back on XXXX where it has always been. Please help! 
Thanks XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-14
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (MD)

On XX/XX/2024 I received an alert from XXXX that Jefferson Capital is attempting to collect a debt. I did not receive any notice about this debt nor do I owe any debt to Jefferson Capital nor XXXX XXXX. I have disputed several times in the past informing XXXX  that there has been a fraud alert on my credit. I did not have any accounts with XXXX, my identity was stolen. I have submitted several complaints in the past. The false information on my credit report has prevented me from obtaining housing for my children and I. I am now currently homeless and do not have a fix address. I have not given anyone permission to contact me as well but I have also not received any communication from this company about any debts. I have disputed several times with XXXX  that the account was fraudulent and I did not have service with them at all. They have violated my rights and caused so much harm to my credit report. The company failed to disclose any information from the original creditor on why this debt as been owed. I would like this company to be fined for violating my consumer rights.
Consumer complaint received 2024-02-14
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. (CA)

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2023-12-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: HUNTINGTON NATIONAL BANK, THE (OH)

XX/XX/23 XXXX was taken out of my account ending in XXXX i didnt receive in call or mail saying that my account was going to charged for this amount i talk to a representative to see if I can get the funds back and they said couldnt get back the money I want to pay both of the charge off accounts on XX/XX/XXXX I didnt want any money taken out of my account without any call or email/mail saying money was going to be taken out
Consumer complaint received 2024-02-14
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

It Appears That This Item On My Credit Report Has Turned Into A Charge Off But I Noticed You Never Sent Me A 1099 Would You Be So Kind To Send Me A 1099 For A Cancellation Of Debt Of This Item Due To My Financial Hardship I Would Greatly Appreciate It I'Ve Gone Through A Serious Financial Hardship And This Would Help Me With My Credit In The Future Thank You So Much CAPITAL ONE AUTO FINANCE COLLECTION/CHARGEOFF Auto Loans {$9200.00} Account Number XXXX Status Date Reported XX/XX/2023 Payment Status Collection/Chargeoff Account Status Derogatory CAPITAL ONE AUTO FINANCE COLLECTION/CHARGEOFF Auto Loans {$11000.00} Account Number XXXX Status Date Reported XX/XX/2023 Payment Status Collection/Chargeoff Account Status Derogatory
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (GA)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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
Consumer complaint received 2024-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UMB FINANCIAL CORPORATION (TX)

XXXX XXXX XXXX uses UMB as the checking accounts processor. I process a transfer from my XXXX XXXX to XXXXUMB which should be no more than XXXX business days. However, UMB will not release the funds until XX/XX/2024 when XXXX XXXX successfully processed with funds gone. I called XXXX to call UMB to verify funds were transferred and make the funds available. I can not meet my credit obligation without the funds. 
Why are funds being held that went through the Automatic Clearing House? Even if it hadnt a current banking system should make funds available before XXXX business days.
Consumer complaint received 2023-06-09
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. (CA)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (TN)

My mother has an account as well as q safe deposit box with us bank for ID say 20 years or more when she passed she left me the only child with the safe deposit box n it's contents and they will not let me access it my mom 's been dead almost 9 Mos now n I've lost everything because of this.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (DE)

XXXX was charging me for a phone that was stolen and was also charging me monthly service for a phone I didnt not have. Jefferson Capital put derogatory on my credit report for in correct balance thats XXXX gave them. {$510.00}. Which is totally in correct. I switched my cell service back last XXXX and XXXX kept sending me a bill for monthly service on my device the was no long on the network. And for a phone thats was paid off times over. I explained this to XXXX XXXX about last year 2023. And I was told by a representative basically this XXXX was the balance that they gave them and this is what they expected me to pay. I told the rep kindly. Im not paying that cause thats not what I owe them. I have screenshots of every month they were charging me and I had removed my service from the in the beginning off last year. I told the rep I owe the less then {$200.00} dollars. I will pay that but Im not paying them XXXX cause they were charging me for a service I did not have. She goes on to tell me about this device that I had which XXXX knew the device was stolen and not in my possession they said call XXXX XXXX would not pay for the phone because they wanted me to get a new phone. I told them I didnt want a new phone. They need to take care of the issue with XXXX about the phone. Meaning they wanted to get another phone which I didnt so they told me they would not accept my claim. Which also is why XXXX and Jefferson Capital is trying to say I owe {$510.00}. Again Im not paying this especially when they charge me {$300.00} of monthly service for a phone I didnt have in years.
Consumer complaint received 2024-04-12
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. (MI)

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

XXXX XXXX XXXX XXXXXXXX opened XX/XX/year>XXXX XXXX XXXX XXXX XXXX 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any reason.

15 USC 1681 sec 602 states I have the right to privacy 15 USC 1681 sec 604A sec 2 also states a consumer reporting agency can not furnish an account without my written consent.
Consumer complaint received 2024-02-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (OH)

For CareCredit, I got prequalified for {$500.00}. I didn't finish the application because I had a family emergency. Now when I try to get prequalified with the same economic information as before, I get denied. The denial reasons include " too low of a credit score '' and they list my XXXX as being XXXX. According to XXXX, my XXXX score is XXXX.
Consumer complaint received 2024-04-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (PA)

There are XXXX collections on my credit report that I have disputed. There is inaccurate information that has stopped me from buying a house. I disputed the loan terms, ownership, monthly payment and accuracy of the accounts and the company said they were valid. I would like them removed from all XXXX bureaus.
Consumer complaint received 2024-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (IL)

Wells Fargo case number : XXXX and XXXX Account number ending in : XXXX Consumer Financial Protection Bureau, case number : XXXX Consumer Financial Protection Bureau , case number : XXXX Dear, XXXX  Complaints Management Office I hope this message finds you well. I am writing to address the denial of my claim, specifically the assertion that transactional activity does not constitute identity theft. However, this contradicts information provided by reputable sources, including federal law and materials from Wells Fargo and XXXX.

According to federal laws, specifically 18 U.S.C. 1028, which prohibits anyone from misusing someone's identifying information, whether personal or financial. 

XXXX XXXX defines identity theft as : Identity theft is the act of impersonating someone else to gain access to their financial accounts, obtain credit, or make transactions without their knowledge or consent. ( XXXX XXXX XXXXXXXX ) Furthermore, XXXX, a public service provided by Wells Fargo, defines identity theft as : " Identity theft is a type of fraud where someone uses your personal information, such as your Social Security number or bank account number, to open accounts or initiate transactions using your name, without your permission '' ( XXXX, XXXX  Wells Fargo Bank XXXX. ). 

I kindly request a reconsideration of my claim in light of this verifiable information. I am confident that a fair assessment will recognize the validity of my claim. 
Thank you for your attention to this matter. 

Best regards, XXXX XXXX
Consumer complaint received 2023-11-01
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. (NJ)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX 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 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (FL)

A debt collections company named Jefferson Capital Systems has reported some information on both my transunion and experian credit profiles. Earlier today i sent a dispute letter to their office via certified mail. Below i attached a copy of both the pages i sent them. I expect them to respond with the information of validation that i requested in a mannerly time or these negative accounts have to be deleted. Also if they can not validate the alleged debt they reported it must also be taken off my reports. I would like the CFPB to be alongside me down this journey and to also help with holding this collection agency accountable. Thank you.
Consumer complaint received 2024-02-14
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: JPMORGAN CHASE & CO. (AZ)

I disputed a charge on my Chase XXXX XXXX account {$670.00} in XX/XX/2023 and unable to create an account to send supporting documents for my claim # XXXX since my credit account is now closed. Attached are the XXXX supporting documents supporting my claim is valid : XXXX. The email from the company stating a refund would be provided if I purchased the new tickets and sending them the confirmation #. 
XXXX. Email confirmation of new tickets purchased. 

I bough tickets for XXXX XXXX XXXX XXXX weekend however the wrong tickets were sent ( tickets for previous weekend ).
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

This account was paid. Ive contacted XXXX, Equifax and XXXX XXXX on numerous occasions disputing this negative account. I hear nothing back. Another credit reporting agency did a correct investigation found this should not be on my credit file and removed it. I expect the same from XXXX and Equifax.