davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2023 XXXX my fiance deposited a check in his name for {$1000.00}. into my account at Chase bank ATM. The ATM receipt informs us of a 10 day hold that has been placed on the check as well as my account. This has NEVER happened before. I call immediately. The representative lied, said this was standard practice. I called back in the morning as I already had a feeling this was not right. Then began the process of many phone calls and failed attempts to fix the situation. Chase says they needed to verify my finances identity to release the funds. Every which way we could do this was somehow not an option for us. Pre pandemic, I had a Chase account for at least a decade, with many transactions proving my history with Chase and proof of transactions just like this one. That account closed while I was in the hospital so I had to open a new one. Chase then said my old account transactions are too old to use as proof. They also changed their policy, where we could no longer go into the bank in person with XXXX forms of ID as proof of identity. Implemented only XXXX weeks prior ( what we we're told ) without any knowledge to us. A notarized letter was not acceptable either. They said the only way to verify his identity would be to call him on a phone number verfied by them. Although Chase had several numbers for my fiance some of them were old and no longer in service. The numbers he has available to call they said could not be verified by their system. I even had our cell provider make sure my finances phone number is public record as his own, which we pay for. Chase still cant verify it. They say that his phone number comes up in their system but with someone elses name. I'm just at a loss at this point. If you XXXX banks that accept XXXX party checks, Chase is listed as one of them. Only that, if not endorsed properly, you can incurre fee. Even the utilities at my address, that chase has on file, are in his name. They said I violated my customer agreement, put a XXXX business day hold, where i couldn't use my account at all, and then closed my account and kept the check, when the matter couldn't be resolve in time. I was told that the check amount is now held in suspense for up to 2 years unless this can be resolved. They couldn't even tell me how a phone number is verified to try and aquire one. Further more, Chase said they did this to protect me from fraud. If they thought the check was fraudulent, why would they let it clear?, in the first place. I've noticed other stories similar to mine have to do with checks of greater amounts. All in the thousands range. Seems like a sleazy way for Chase to steal people 's money.
Consumer complaint received 2024-02-15
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MA)

American Express advertises that the prepaid card can be used anywhere online if amex is accepted. However, all places I have tried ( XXXX, XXXX, etc ) shows that Amex declined the payment request, although the {$0.00} checks go through, as you can see in the attachment. This is a false advertisement from amex that the prepaid card is accepted anywhere online where amex is acceptetd. Amex call center is unable to resolve the issue. 

Gift card order at : amexgiftcard.com Gift card order number : XXXX Order amount : {$320.00} ( order summary attached )
Consumer complaint received 2021-01-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC (NV)

On XX/XX/2021, a customer paid my business using XXXX. XXXX will not give me my money because I don't have a traditional phone number. I would not have known this before the customer paid me via XXXX because I do not typically use XXXX. Regardless, me not having a traditional phonr number does not give XXXX the permission to steal my money. I want my money, and I don't care how they get it to me.
Consumer complaint received 2024-04-15
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)

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I did not authorize these inquiries, and I believe they have been made in error or without my knowledge or consent. As such, I request that you investigate these inquiries and remove them from my credit report if they are found to be unauthorized. Furthermore, I would like to assert that, under the Fair Credit Reporting Act ( FCRA ), I am not required to provide an FTC report or a Police report to dispute inaccuracies on my credit report. The FCRA mandates that credit reporting agencies must conduct a reasonable investigation upon receiving a dispute from a consumer, without placing undue burdens on the consumer. Demanding an FTC report or a Police report as a prerequisite for investigating my dispute is not only unnecessary but also places an undue burden on me as a consumer. I expect you to adhere to the FCRA 's guidelines and conduct a thorough investigation into the unauthorized inquiries without requiring any additional reports from me. Failure to do so may result in further action on my part to ensure my rights under the FCRA are upheld. Please acknowledge receipt of this letter and inform me of the steps you will be taking to address my concerns. I expect a response within 30 days, as stipulated by the FCRA. Thank you for your immediate attention to this mater. I trust that you will handle this dispute with the seriousness and urgency it warrants. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

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 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 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-04-15
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. (CA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XX/XX/2024
Consumer complaint received 2024-04-15
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. (NY)

I Recently reviewed my credit report and noticed an account that was not reporting accurately.I had XXXX late payments on an account that I in fact paid on time.The consumer reporting agencies need to report all information with complete accuracy.this account has not been late on payments ive attached a copy of my credit report to this complaint on the following dates XX/XX/year> and XXXX.Im now requesting you investigate and provide verifiable proof with records showing that I had late payments.If this information can not be verified I demand these payments be updated to paid on time immediately.Thank you for your understanding and prompt action. 
Account Name : XXXX Account Number:XXXX
Consumer complaint received 2023-05-01
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. (OH)

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-15
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. (NY)

I Recently reviewed my credit report and noticed an account that was not reporting accurately.I had XXXX late payments on an account that I in fact paid on time.The consumer reporting agencies need to report all information with complete accuracy.this account has not been late on payments ive attached a copy of my credit report to this complaint on the following dates XX/XX/year> and XXXX.Im now requesting you investigate and provide verifiable proof with records showing that I had late payments.If this information can not be verified I demand these payments be updated to paid on time immediately.Thank you for your understanding and prompt action. 
Account Name : XXXX Account XXXX
Consumer complaint received 2021-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

ll disputed ATM withdrawals are duplicates of earlier transactions and have disparate authorize and post dates, given which I suspect they are not even ATM transactions at all and are rather fraudulent transfers affected online. Review of the ATM camera footage will evidence that none of the withdrawals were made by me and likely also the fact that the debits are not ATM transactions. Review of the daily log from the actual ATM would be helpful as well. 

In terms of the overdraft fees, none of those listed are legitimate because either the referenced transaction did not cause a negative account balance or was unauthorized. Moreover, XXXX payments can not even be made without sufficient funds in the account to cover the transaction making it an impossibility for either listed XXXX payment to have caused an overdraft and therefore fee. 

Date Amount Description XX/XX/XXXX {$50.00} ATM withdrawal authorized on XX/XX/XXXX XX/XX/XXXX {$20.00} ATM withdrawal authorized on XX/XX/XXXX XX/XX/XXXX {$50.00} ATM withdrawal authorized on XX/XX/XXXX XX/XX/XXXX {$250.00} ATM Withdrawal authorized on XX/XX/XXXX XX/XX/XXXX {$35.00} Overdraft Fee for XX/XX/XXXX ATM withdrawal of {$250.00} XX/XX/XXXX {$35.00} Overdraft Fee for XX/XX/XXXX XXXX  to XXXX XXXX XX/XX/XXXX {$35.00} Overdraft Fee for XX/XX/XXXX XXXX  to XXXX XXXX XX/XX/XXXX {$35.00} Overdraft Fee for XX/XX/XXXX ATM Withdrawal of {$250.00} XX/XX/XXXX {$100.00} ATM withdrawal authorized on XX/XX/XXXX XX/XX/XXXX {$50.00} ATM withdrawal authorized on XX/XX/XXXX XX/XX/XXXX {$35.00} Overdraft Fee for XX/XX/XXXX ATM withdrawal of {$50.00} XX/XX/XXXX {$50.00} ATM Withdrawal authorized on XX/XX/XXXX XX/XX/XXXX {$35.00} Overdra
Consumer complaint received 2023-08-11
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Capio Partners, LLC (GA)

Account Name ASSETCARE LLC Account number XXXX Account name XXXX XXXX  XXXX Account number XXXX These accounts was pass to a third party collection agency an have violated my consumer rights In accordance to the fair credit act 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 instruction 15 U.S.C 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a customer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-04-15
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. (GA)

These names and addresses has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to 15 USC 1681eb they are supposed to ensure this 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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. 16815-2 ( AX1 ) 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 2023-08-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC (AL)

Paid for extra gap insurance @ XXXX and paid for extend service warranty @ XXXX To Us Auto Sales , Inc loan was acquired by Westlake portfolio management who said they will not be honoring neither of those services and that they could not refund any payments to date or future payments on that this was on XX/XX/2023 when Us Auto Sale all of a sudden closed their doors with no written documents or warning of closures or distribution of contracts written by them it has not been easy trying to make payments to Westlake portfolio management either I have all of the contract that was signed up on and I am still being charged for that extra gap and warranty to this day and can't use any of it.
Consumer complaint received 2024-04-15
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. (CA)

There is information thats on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer
Consumer complaint received 2023-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Citizens Bank Place A Restriction On my XXXX Profile On My Online Banking Am Not Able To Use XXXX to send money to anyone becuase of Citizens Bank Adding a restriction on XXXX XXXX in the Citizens Bank Mobile App and i contacted Citizens Numerous Time About this Issue and Customer Service they are Unable to Remove the Restriction From XXXX XXXX on the Citizens app i also step into a branch in XXXX XXXX in the XXXX and they also where unable remove this restriction from my account
Consumer complaint received 2022-11-10
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: EQUIFAX, INC. (GA)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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 15 USC 1681. 

FOR EQUIFAX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX FOR XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX FOR XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX A- States I have the right to privacy. 

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-22
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: Experian Information Solutions Inc. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. Please see attached file for these items I am complaining.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I reviewed my consumer reports and I notice accounts in a charged off status that is not accurate. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy.The following accounts are inaccurate XXXX, XXXX and XXXX, they are strictly in violation of U.S Code 1601b verbatim in its entirety. Also, please investigate and provide proof if these companies submitted a 1099-C, if so, they then recieved a tax grace out and still negatively affecting and violating my rights which is also illegal. If proof cant be provided I DEMAND these accounts to be deleted, if not please pay the invoice attached. Even in the screenshots you can see the inaccuracy of the reporting. Thanks! Please see screenshots and invoice attached :
Consumer complaint received 2024-04-15
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. (WI)

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-11
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. (CA)

2 transaction took place on Chase Credit card in the amount of {$320.00}. Purchase was sent back to sender after XXXX  XXXX failed to deliver item due to weight. # XXXX 1st transactions refunded on XXXX XXXX and 2nd transaction action charged and never refunded on XX/XX/2022 # XXXX for {$320.00} never refunded credit card closed account after Chase XXXX out card after lump sum payment of {$2800.00}, even after proof of fraud rejected by Chase Interest for Cash advances paid in 24 hrs still being added to close account. Several payments and refunds has been stolen. Store receipts reflects total, Chase adds extra change to purchases reported for an XXXX XXXX purchase refunded for a never received funds after order was shipped for out of stock goods.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MS)

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 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 2024-04-15
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. (CA)

Upon reviewing my recent credit report, I've noticed some inconsistencies that need immediate attention, particularly concerning the following accounts : XXXX, XXXX. XXXX and XXXX XXXX XXXX. 

The company has assured me that they will adjust the status of these accounts to indicate they are closed and were never late. Other credit bureaus have already made the appropriate corrections after recognizing the inaccuracies.