davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-27
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (CT)

On XX/XX/, I purchased tickets through XXXX XXXX website for {$1000.00} charged to my Chase XXXX credit card. 

Chase declined the charge and sent me an text message to confirm if the charge was legitimate or not. It took me only seconds to confirm it was me by responding to the text that I had made the charge. 

However, on the back end, even before allowing me an opportunity to respond, Chase had already denied the charge. 

I called XXXX XXXX immediately. My reservation, even though, I had already chosen my seats did not exist. XXXX refused to honor my previous price, stating their prices are subject to change : blah, blah, blah and let me know I would need to use a different credit card. 

I immediately purchased the same ( exact ) tickets, using the same credit card. Now, they were {$58.00} dollars higher. The charge to XXXX XXXX XXXXXXXX XXXX XXXX for {$1100.00} is shown on my credit card statement. This is the same vendor that was denied for the {$1000.00} charge. Oddly enough, the original charge that was declined does not show on my credit card at all. 

I reached out to Chase, and they refused to refund the {$58.00} difference. 

Although I appreciate Chase trying to reduce credit card fraud, this is a huge disservice to their customers. I should not be penalized for what they " thought '' was fraud. Chase thought it was fraud and was wrong. It wasn't. They should be responsible for the {$58.00} difference. 

Chase ( and any other companies ) should have to come up with a different policy. Why not give me a moment or two to respond to the text? Why not allow the vendor ( XXXX ) to re-run the credit card in a few minutes? Why not follow-up by an automated phone call, if the customer does not respond to the text/email messages? 

This could have been much worse. In addition to the {$58.00}, when I rebooked, XXXX had not released my seats yet, so I lost the better seats that cost the same price as it was. However, I could have lost the seats altogether if the plane had almost been completely booked, or it could have cost me hundreds for the same tickets. Also, on XXXX 's side, it looked like the reservation went through. If I had not saw a follow-up text from Chase and not realized I didn't get the confirmation email from XXXX, I could have thought I had tickets when I didn't. 

We need to do better. I think there is some easier ways to reduce fraud without at the same time risking to penalize the customer. When I reached out to Chase for a refund, their response was basically this was an abnormal charge for me. Actually, it is not. I just opened this line of credit in XX/XX/, so how would they know whether it is an abnormal charge or not?
Consumer complaint received 2022-09-13
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. (GA)

This is my several 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 an 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
Consumer complaint received 2024-01-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I trust this letter finds you well. I am writing to bring to your attention a matter of urgency concerning inaccuracies on my credit report. Upon a recent review, I have discovered the presence of late payments on my account, and I kindly request your prompt assistance in correcting or removing this information from my credit report. 

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. 

I understand the critical importance of maintaining an accurate credit history, and it has come to my attention that the reported late payments do not accurately reflect my financial responsibility. I am confident that this discrepancy is a result of an error, and I am seeking your immediate intervention to rectify the situation. 

I kindly request that you conduct a thorough investigation into the reported late payments on my account and take the necessary steps to correct or remove this information from my credit report. If there are any supporting documents or information required from my end to expedite this process, please do not hesitate to inform me. 

I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), which stipulates that credit reporting agencies must ensure the accuracy of the information they report. I trust that you will handle this matter with the utmost urgency and adhere to the guidelines set forth by the FCRA. 


Thank you for your cooperation and understanding.
Consumer complaint received 2023-08-31
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. (IA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX  XXXX XXXX XXXX : {$490.00} XXXX XXXX XXXX  XXXX Balance : {$550.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$210.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXXXXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX : {$710.00} XXXX XXXX XXXX XXXX XXXX : {$490.00} XXXX XXXX XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$210.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-25
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remove Hard Inquiries and Fraud Account XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-02
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I have recently discovered that other credit bureaus have already removed this account from their records as they did not provide enough information for me to verify this debt. I was the victim in this situation, and I am perplexed as to why your bureau is not complying with the law, especially when other bureaus have followed suit by addressing and correcting these inaccuracies. Given the lack of information provided to verify this debt, I request that you cease reporting this account immediately. Without proper validation and information, continuing to report this account is not only inaccurate but also incomplete and unverifiable. I want to emphasize that I was the victim of this error, and I am very frustrated by the apparent disregard for compliance with the law exhibited by your bureau. Other bureaus have successfully rectified similar issues, and I expect your bureau to do the same. XXXX XXXX Date opened : XX/XX/2019 XXXX : {$490000.00}. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Consumer complaint received 2024-01-02
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: EQUIFAX, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

On XX/XX/2023, I submitted disputes to the credit bureaus about fraudulent accounts. Till date I still havent received any responses or updates to my credit report.This agency is in violation of 15 USC 15 USC 1681i, in your repose to my dispute you claimed that the account XXXX. XXXX XXXX XXXX XXXX - Account Number : XXXX You have validated inaccurate information and this account is hereby disputed. 
The information on this account being furnished on my consumer report is inaccurate.

15 USC 1681i ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
XXXX. XXXX XXXX XXXX XXXX - Account Number : XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681e ( b ) ( 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.
Consumer complaint received 2024-01-02
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: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 2024-05-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc. (NC)

This is regarding my CFPB dispute/complaint # XXXX against UNITED COLLECTION BUREAU, INC. - UCB reference XXXX XXXX XXXX submitted on XX/XX/year> and updated/closed on XX/XX/year> after the company responded. My original dispute and complaint regarding this matter was thorough and detailed with accompanying documentation. The company 's response was vague, insufficient and lawfully unacceptable. I received NO CORRESPONDENCE or certified proof that correspondence was sent and received to and by me. The company DID NOT provide me with the specific documents I requested in my original dispute/complaint to verify and validate the debt or proof of the company 's lawful authority to enforce an alleged debt claim against me to my detriment. As a consumer, it is my right by law to request and be provided with, in a specific window of time, specific documents to ensure that all account reporting and information concerning my consumer credit report is indeed 100 % accurate. If all the requested documentation can not be provided by the reporting agency/creditor for the accuracy of the account to be proved, then by law it must be removed. Furthermore, THE XXXX ACCOUNT THIS COMPANY IS REPORTING IN AN ATTEMPT TO COLLECT AN ALLEGED DEBT FROM ME HAS ALREADY BEEN DISPUTED AND REMOVED FROM MY XXXX CONSUMER CREDIT REPORT DUE TO NOT BEING ABLE TO 100 % VERIFY THE ACCURACY OF THE INFORMATION BY LAW.
Consumer complaint received 2019-05-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have disputed the XXXX XXXX XXXX account with Transunion and demanded a deletion because they are reporting an inaccurate open date on this account. It is a violation of the FCRA for a credit bureau to not thoroughly investigate an account. It is a violation to continue to report inaccurate information on my credit report. Transunion states that they verified the account but how when the documents I received from XXXX XXXX do not match what it is reporting?
Consumer complaint received 2024-05-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (GA)

I was the victim of a very organized scam involving Crypto currency and Bitcoin, and my Chase Bank. The scammers presented themselves as someone I knew online, when in fact they werent. I wired money thinking I was being helped in learning about Crypto. I lost {$58000.00} to these thieves. Chase Bank never once questioned these transactions. This was all done in the month of XXXX, with the last wired transaction on XX/XX/XXXX, XXXX Letters have been sent on my behalf from XXXX XXXX  , to Chase Bank and XXXX and I have not heard back since.
Consumer complaint received 2024-01-02
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: EQUIFAX, INC. (OH)

I am writing to dispute fraudulent accounts that has appeared on my credit report. It has come to my attention that my identity has been stolen, and this unauthorized account has been opened without my knowledge or consent. 

I have recently reviewed my credit report, and I was shocked to discover the presence of a fraudulent accounts under my name. The accounts in question is with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX I have never had any dealings with this creditors, nor have I ever authorized the opening of these accounts. It is evident that someone has fraudulently used my personal information to establish these accounts I have a disputed these accounts several times with my police report Equifax XXXX and XXXX are not doing a real investigation they are just placing verified these accounts are not mines if they do the real investigation they will see that these three companies needs to be penalized for not doing investigations the automated computer dispute system does not work for me I WANT THESE ITEMS REMOVED IMMEDIATELY I kindly request that you conduct a thorough investigation into this matter and remove the fraudulent accounts from my credit report as soon as possible. I understand that as per the Fair Credit Reporting Act, it is the responsibility of the credit bureau to ensure the accuracy of the information on my credit report. Therefore, I am confident that you will take the necessary steps to rectify this issue promptly. 

To assist with the investigation, I have enclosed the following supporting documents : 1. Identity theft police report 2. Screenshots of accounts In question Please note that I have already contacted the local authorities and filed a police report regarding this fraudulent activity. I am taking all necessary steps to ensure that the responsible party is held accountable I have already contacted Attorney General I appreciate your prompt attention to this matter. It is crucial that this fraudulent account is removed from my credit report so that I can restore my financial standing and protect my creditworthiness. 

Thank you for your understanding and cooperation. I look forward to a favorable resolution to this dispute.
Consumer complaint received 2023-09-22
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: EQUIFAX, 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 2024-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Neon Newco Corporation (CA)

The website and phone systems for https : //www.paypal-prepaid.com/ and customer service for all checking, saving and other accounts are inaccessible today XX/XX/XXXX. 

I contacted them and after receiving a message that there is no access to customer service or my account, I finally got through after XXXX minutes and was told that customers will have XXXX access to their account and money for potentially more than XXXX hours. It has no been over XXXX hours.
Consumer complaint received 2024-05-13
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: CAPITAL ONE FINANCIAL CORPORATION (IN)

Subject : Formal Complaint Regarding Inaccurate Credit Inquiry by Capital One [ XXXX ] [ XXXX ] [ XX/XX/year> ] Dear, Consumer Financial Protection Bureau I am writing to file a formal complaint against Capital One regarding an inaccurate inquiry on my credit report. As a reputable credit repair company, we have diligently worked with our clients to rectify inaccuracies on their credit reports, and it is disheartening to see such negligence from a financial institution like Capital One. 

Upon reviewing my credit report, I noticed an unauthorized inquiry made by Capital One on [ XX/XX/year> ]. This inquiry was not initiated or authorized by me, and therefore, it should not be reflected on my credit report. Such inaccuracies have severe repercussions on my credit score and financial credibility, potentially affecting my ability to secure loans or obtain favorable terms on financial products. 

. It is imperative that this inaccurate information be promptly removed from my credit report to ensure its accuracy and integrity. I have made numerous attempts to resolve this matter directly with Capital One, but they have been uncooperative and have failed to take appropriate action. 

As a consumer, I rely on the accuracy of my credit report to make informed financial decisions, and the presence of inaccurate information undermines this trust. I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and compel Capital One to rectify the error promptly. 

I kindly request your assistance in resolving this issue and ensuring that Capital One complies with the Fair Credit Reporting Act by removing the inaccurate inquiry from my credit report. Your prompt attention to this matter is greatly appreciated. 

Thank you for your time and consideration. 

Sincerely, [ XXXX, XXXX ]