davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-10
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: JPMORGAN CHASE & CO. (MI)

Yes i got an alert about a hard inquiry for my credit report. From jpmc bank and a XXXX dealership I never gave them permission to run a credit check. 

Im officially disputing these inquiries.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I, XXXX XXXX XXXX, are verifying that I, XXXX XXXX XXXX is mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : 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 about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Consumer complaint received 2024-04-18
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)

Upon reviewing my XXXX, XXXX and Equifax credit reports, I have identified some information that were not authorized. I'm a victim of Identity theft and this information is inaccurate. 

Please see attachments below
Consumer complaint received 2024-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXXXXXX I was reviewing my Chase checking account and noticed a pending charge of {$99.00} ( XXXX ) that I did not recognize. After looking up the city and business name ( XXXXXXXX XXXX XXXXXXXX, California ), I realized that this transaction was fraudulent and immediately called Chase to report it. I was very alarmed when the individual on the phone informed me that a PIN had been used and a card swiped, as my debit card never left my possession. I let him know that I did travel from XXXX XXXX to XXXX, CA on XX/XX/XXXX but only made 2 stops ( XXXX and XXXX XXXX ). He assured me that Chase would investigate thoroughly and, in the meantime, reverse the transaction and send me a new card. I was disturbed but had faith that the fraud would be solved. 

I received an online letter from Chase XX/XX/XXXXXXXX  stating that the fraudulent transaction appeared authorized and thus the {$99.00} would be re-debited from my account. Again, I immediately called Chase. The individual on the phone told me that the only reason given to turn down my report was PIN entered he advised me to submit documentation proving that I could not have made the fraudulent transaction. I did as instructed with a paper trail of where I was that day. I also met with banker XXXX XXXX on XX/XX/XXXX at XXXX at Chase Bank on XXXX XXXX XXXX XXXX XXXX XXXX XXXX to alert him of the situation and confirm that my case would be re-reviewed. 

I received further correspondence via letter on XX/XX/XXXX informing me that the fraudulent charge was ( again ) considered authorized and no changes would be made. I again met with XXXX XXXX on XXXX  at XXXX to find out what further steps could be taken. As I discussed with XXXX XXXX, I used my credit card for gas at XXXX XXXX XXXX in XXXX XXXX, CA 1 hour and 35 minutes after the timestamp of the fraudulent charge. This should be proof enough on my end, as this address and the fraudulent charge address are XXXX miles apart. I also pointed out that I drive a XXXX gallon XXXX so would have had no way of purchasing {$99.00} of gasoline. I offered additional proof of all of these factors via any other avenue ; for example, I have several pictures from that day with location on my phone that prove where I was and was not. XXXX XXXX contacted the fraud department ; after speaking with them, he conveyed that Chases only alleged proof that I made the fraudulent transaction is the fact that a card was swiped and the correct PIN entered on the first try. It seems that they refused to review my evidence of my whereabouts that day and consider the case closed. They refused to provide any further evidence or investigation to support their case and will not acknowledge information I provided, despite the fact that the ( authorized ) subsequent credit card transaction at XXXXXXXX  PST should be enough to refute their claim that the fraudulent charge is authorized. I am left with money stolen from my account and no way of knowing how this happened.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Self Financial Inc. (TX)

According to 15 USC 1681 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. I have reason to that Self financial does not have my accurate personal information. I have ask Self and XXXX to investigate this but it has not resolved the issue.
Consumer complaint received 2024-04-19
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. (IL)

I recently reviewed a copy of my credit report and observed numerous inaccuracies associated with my account. These discrepancies are adversely impacting my creditworthiness and ability to secure credit. I trust that you will conduct an investigation into this account to ensure its accuracy. The specific account I am requesting verification for is the XXXX XXXX, identified by the Account Number : XXXX
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear TransUnion, I am writing to dispute the following information that appears on my TransUnion consumer report : Dispute XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Type of disputed information : Auto Loan Dates associated with item being disputed : XXXX XXXX XXXX  Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 

XXXX XXXX XXXX XXXX XXXX XXXX  Source of dispute information XXXX XXXX XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed : XXXX XXXX XXXX  Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX Source of dispute information : XXXX XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed XXXX XXXX XXXX XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 

INQUIRIES : Inquiry Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of my report with the accounts in question circled. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I recently reviewed a copy of my credit report and observed numerous inaccuracies associated with my account. These discrepancies are adversely impacting my creditworthiness and ability to secure credit. I trust that you will conduct an investigation into this account to ensure its accuracy. The specific account I am requesting verification for is the XXXX XXXX, identified by the Account Number : XXXX
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Please remove these fraudulent accounts from my credit report. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report. I can not recognize any of the following accounts.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I notified the company that is reporting this inaccurate information information that is not mine and the furnisher has not responded. I also contacted the credit reporting agencies reporting this information which is XXXX who sent me a response but it didn't mention anything about a verification, only that they would contact the company reporting this information and TransUnion never responded.
Consumer complaint received 2023-07-12
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. (NV)

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, NV XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$78.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-12-26
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. (CA)

Equifax has violated my federally protected consumer rights under the Fair Credit Reporting Act. They have violated my rights by furnishing transaction details [ 15 U.S.C. 1681a ( 2 ) ( a ) ( i ) between the person ( means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ) and consumer ( me ) without my prior consent, pursuant to Title 15 U.S.C. 1681b ( 2 ). According to Title 15 U.S.C. 1681c ( 5 ), " no consumer reporting agency may report any consumer report containing any adverse item of information, other than records of conviction of crime '', yet they furnished negative item transactions on my report on a disputed debt. By violating 15 U.S.C. 1682b permissible purposes and 15 U.S.C. 1681c information contained in consumer reports, they have violated compliance procedures under 15 U.S.C. 1681e. Equifax has willfully violated my consumer rights and is liable to civil suit under 15 U.S.C. 1681n. They are also liable to civil liability for negligent noncompliance under 15 U.S.C. 1681o.
Consumer complaint received 2023-10-29
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. (OK)

In accordance with the Fair Credit Report Act XXXX Account # XXXX, has violated XXXX 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions
Consumer complaint received 2023-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (VA)

Im an XXXX XXXX servicemember who has a Chase Sapphire Reserve Visa credit card. One of the benefits of that credit card is Auto Rental Collision Damage Waiver, which provides primary insurance coverage and reimbursement for up to {$75000.00} for collision damage for rental cars in the U.S. and abroad. That benefit is administered by Card Benefit Services. 

On or about XX/XX/2022, I initiated an Auto Rental Collision Damage Waiver Benefit claim ( # XXXX ) with Card Benefit Services in the amount of {$2400.00} to be reimbursed for rental car collision damage. To date, I have yet to receive reimbursement despite providing all required and requested documentation. 

Instead of processing and completing my claim, Card Benefit Services continues to request documentation that has already been provided. There has also been a clear, designed pattern of delay. Card Benefit Services state in emails that they will review supplied documentation within 5 business days and review correspondence within 2 days, however that does not occur. Additionally, " necessary '' documents were not initially supplied for completion of requested. It's as though there are different requirements for the claim each time I follow up on the status of the claim. 

My claim shouldve been paid out months ago. Card Benefit Services behavior is unacceptable, especially toward an XXXX XXXX servicemember.
Consumer complaint received 2024-02-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequoia Financial Services (AZ)

I have requested debt validation from this company in XXXX XXXX XXXX XXXX XX/XX/2023 and again in XX/XX/2023. 
I have never received any information from them and the amount has continued to change it started at XXXX and has since changed to the following amounts : {$320.00} {$330.00} {$330.00} {$330.00} {$330.00} {$340.00} {$340.00} It continues to increase and they have never responded to anything from me and I have attempted to dispute on XXXX and XXXX as well as XXXX and it continues to show on my XXXX account despite my disputes.
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, 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)

My Rights Violated Under Fair Credit Act ( 15 U.S.C. 1681 & 1666b ) Account Number XXXX I hope this message finds you well. I am writing to bring to your attention that my rights, as outlined under the Fair Credit Reporting Act ( FCRA ), have been violated. 

Specifically, I believe violations have occurred under the following sections of the FCRA : 15 U.S.C. 1681 Section 602 : This section addresses the requirements for consumer reporting agencies to follow reasonable procedures to ensure the accuracy of the information provided in consumer reports.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : This section pertains to the limitations on the disclosure of consumer reports to authorized parties.

15 U.S.C. 1666b : This section covers the requirements for credit card issuers to provide clear and timely disclosures of important credit card terms to consumers. 

I kindly request your attention to this matter, and I am eager to discuss the details further to resolve the issue promptly and amicably. It is my utmost priority to ensure that my rights are protected under the Fair Credit Reporting Act.
Consumer complaint received 2023-09-06
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)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: BMO Bank, N.A. (CA)

I have 3 mortgages with BMO bank. There is also a checking account at BMO that I transfer external funds to that serves as a settlement account for mortgage payment. The mortgages were transferred to BMO after BMO and Bank of the West merged. Loans were originated with Bank of the West. Payments have always been on-time. 

Last month, XXXX of XXXX, the BMO website suddenly began not recognizing me as a user. This has persisted until today, XXXX. I can not login. When I attempt to login in, it says " Hmm. The information you provided doesn't match our records. Try again? '' The website address is https : //usdigital.bmo.comXXXX XXXX XXXX When I attempt to reset my password by entering my email and correct social security. number, the website responds : " Hmm. That information doesn't match our records. Try again? '' This suggests that my online account has been disabled. I also tried using my husband 's social security number to no avail. 

My email is clearly correct and exists on BMO 's records because I continue to get email confirmations of automatic transfers that were set up months ago. My social security number is also correct. 

I attempted to call BMO 's phone number but it immediately asks for my account numbers after verifying my social security number. However, I need to be able to login to see my account number. Without account numbers, there is no way to progress on the call. There is no option to speak to anyone. Eventually, the automatic call disconnects me because I can not produce an account number. 

I currently have no way to pay my mortgages which are now due for XXXX. Entering a physical branch is not possible at this time.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

US DEPT OF EDXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Duty pursuant to the FCRA, it is EQUIFAXs to be reporting correct and accurate information on my credit report and file, however, they are NOT. EQUIFAX is reporting XXXX inaccurate late payment for the XXXX XXXX XXXX XXXX account WITH NO ACCOUNT NUMBER PROVIDED. This includes a NOT MORE THAN XXXX PAYMENTS PAST DUE with NO POSTED DATE. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in EQUIFAX violating my federally protected consumer rights. To add to this, I did NOT give EQUIFAX written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EQUIFAX has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Southwest Credit Systems, L.P. (AR)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 sw 715, 719, I presume than no proof of the alleged debt, nor therefore any such debt in fact therefore exists.