davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

In late XXXX {$130.00}, XXXX was removed by FIRST REPUBLIC BANK from my checking account without my authorization and knowledge Personal banker XXXX XXXX and other FIRST REPUBLIK employees I notified stated that someone named XXXX XXXX arranged stealing and that my money will be returned to me. But that never happened. 
After Chase took over XXXX XXXX, XXXX was not returned and my loss is tremendous. I lost hope that I will never recover what XXXX XXXX took since Chase employed her. I am asking that {$130.00}, XXXX be applied to XXXX loan payments
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I was added as an authorized user many years ago to my sisters XXXX thank you preferred card ( acct ending XXXX ) when doing a home remodel project. When I refinanced my home in XX/XX/XXXXXXXX  I called to be removed because a high balance was being reported. I was informed I was removed as an authorized user and the acct would be deleted from my credit file. When I applied for a mortgage on a new home in XX/XX/XXXXXXXX  I was informed that the acct was still on my credit. Both my sister and I called to ensure I was removed again, they informed me I was removed and said they would mail a letter to confirm. We never received a letter. While applying for a HELOC last month XX/XX/XXXXXXXX  my credit report now has derogatory information from this acct as it has since gone delinquent and been charged off. On Thursday XX/XX/XXXX I was told I would need to have the primary account owner call and remove me and it would be removed. My sister, XXXX XXXX, whose account it is called and they said I was removed and would send a letter as confirmation. Today, as part of the closing on my heloc, a 3rd party company called with me on the line to confirm I was removed and have no liability to this account and was informed I was not removed and can not be removed because the accts now closed. Ive disputed with the credit bureaus but it has yet to be completely deleted from my credit profile.
Consumer complaint received 2023-12-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I hope this letter finds you in good health. I am writing to express my deep concern regarding the persistent existence of fraudulent accounts on my credit report despite my repeated attempts to address this matter through your dispute resolution process. 
Account Information : XXXX XXXX XXXX- PLEASE DELETE!!!! 
XXXX XXXX XXXX- PLEASE DELETE!!!! 
XXXXXXXX XXXX XXXXXXXX PLEASE DELETE!!!! 
I have previously reported the presence of these fraudulent accounts and have escalated the matter several times since then. However, to my dismay, these accounts continue to appear on my credit report, negatively impacting my credit score and financial well-being.

Despite providing clear and compelling evidence of the fraudulent activity, the persistent inclusion of these accounts on my credit report calls into question the effectiveness of the bureau 's dispute resolution process. 
I understand the importance of maintaining accurate and reliable credit reports and trust that you share my commitment to rectifying this matter urgently. I kindly request that you conduct a thorough investigation into these fraudulent accounts and take immediate action to remove them from my credit report.
Consumer complaint received 2024-04-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

15 U.S. code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY XXXX REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION
Consumer complaint received 2023-12-12
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-12
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. (KY)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc. (GA)

XXXX XXXXXXXX refund was refunded to Cashapp on XX/XX/2024 and as of today they claim they are not holding it but it is not available in my account as promised. Their own policy states deposits are available two days in advance and it's currently two days AFTER the issues date, sent by XXXX XXXXXXXX. Direct deposits are cleared funds therefore it should be in my account since today marks two business days or at the very least showing as pending but neither is the case. Cashapp representatives refuse to provide me information on this transaction and also claim to not " see it '' but at the same time says it takes 1-3 business days or 5 business days to be available. The school shows a refund issued on XX/XX/2024. Other students have already received their funds with the same issue date but not me. Cashapp claim they have XXXX business days to make the funds available which is not in my best interest. The funds are needed to purchase XXXX supplies and the unnecessary hold and lack of transparency on behalf of Cashapp make it extremely unfair for me to do that. I have contacted Cashapp via phone on a recirded line and through in app support to which I was told contradictory statements made on behalf of their representatives. The supervisor over the phone stated that I would see the funds in my account today XX/XX/2024 after speaking with her yesterday XX/XX/2024. They have not made the funds available to me and continue to be discreet about availability. This is unfair to me as the consumer and legally entitled receipient.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

You haveviolated FCRA 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) Duty to provide notice of dispute & ( FDCPA 15 U.S. Code? 1692e.False or misleading representations ) you allowed this debt collector to violate my right. I already disputed these inaccurate items over 35 days ago and you havent notated it as disputed!!.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

My personal information is not correct at all. I have filed a FTC report for Identity theft and would like this information to be removed from all 3 credit agencies. 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 



Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2023-06-05
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. (AR)

On XX/XX/2023 I received an alert from XXXX, Experian and XXXX that ( XXXX ) XXXX credit card accounts was open. I called all XXXX bureaus. I explained to them that Ive never had an XXXX XXXX card. I also explain to them that there was no inquiries indicating that anyone applied for a line of credit. I filed a police report, FTC report and has dispute letters. I am a victim of identity theft. this has really hurt my ability to purchase a home. I have done everything that is asked of me
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (ND)

Sometime after the COVID waivers occurred, Navient started charging me a monthly fee equal to the amount I had been required to pay on my XXXX loans : {$45.00}. At first I thought it was just their way of letting me know what I would pay if the waivers had not occurred. I continued to pay each month during COVID and more when I could. They continued to charge the fee even when my income dropped during COVID and my required payment was {$0.00}. After the COVID waivers were discontinued, they still continued to charge me this amount as a monthly fee. They continue to this day. 

Due to several family crises this past year I have not been able to address this until now. I have not contacted them directly, because they did the same thing to me when they were doing business as XXXX XXXX. To get them to stop at that time I had to contact my Senator for assistance. Other people must have filed complaints on the same thing, because shortly after that they were penalized and forced to move business to Navient. I am especially concerned since I was notified 3 days ago that they are transferring my loans to XXXX this fall.
Consumer complaint received 2024-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/year> I initiated two external ACH transfers ( these are free of charge ) from a Chase checking account to a XXXX XXXXXXXX XXXX account, one for {$10000.00} and another for {$4300.00}. These transfers were scheduled to occur two ( 2 ) business days apart. The transfers were cancelled on XX/XX/year>. I contacted Chase on XX/XX/year> to inquire about the transfers, and was informed that XXXX was unable to verify ownership of the external ( XXXX XXXX ) account, and lack of transfer history between the accounts. The agent reviewed the activity and confirmed 4+ years of transfers exceeding {$100000.00} between the two accounts, and informed me she was noting the account for back office review, reversal of the cancellation, confirmation of transfer history ( which would also raise the transfer limit between the accounts from {$10000.00} to {$100000.00} ). I was instructed to go ahead and re-initiate the transfers. 

To my surprise, Chase deleted external account from my profile, and I am not able to re-add the account, nor make any transfers. 

I recontacted Chase on XX/XX/year> and was informed that this is automated system function, and the external account is blocked from all activity with Chase. I was also informed that this decision can not be appealed or reversed and is permanent. I was further informed that the external account was flagged for suspicious activity but never investigated, but Chase could not explain what the suspicious activity was, or how 4+ years and $ XXXX of transactions could have occurred. 

Chase has informed me that I may wire money to this external account, for a sizable fee each time. Chase also informed me that I can move the money using XXXX, except Chase only allows one account connected to XXXX at any given time. 

Chase has unfairly blocked transactions between a long established external account and a Chase account, effectively freezing my assets and allowing me to access them as desired, and refusing instructions on how to handle said assets. 

This is an attempt by Chase bank to hold customer assets and earn interest with little to no interest returned to the customer.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-12
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. (LA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TD BANK US HOLDING COMPANY (LA)

15 U.S.C.1692C IF A CONSUMER NOTIFIES A DEBT COLLECTOR THAT THE CUNSUMER REFUSES TO PAY A DEBT THE DEBT COLLECTOR MUST CEASE ALL COMMUNICATIONS.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed in the document attached. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
Consumer complaint received 2024-07-14
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I requested an Installment loan with USAA Loan number XXXX. I am a retired XXXXXXXX XXXX  ; I have been a customer with USAA for over XXXX years. I am not denying that I signed the contract agreement, but with my credit score over XXXX at the time, I just assume, without a doubt, that USAA would not give me such a high interest rate of over XXXX XXXX. My original loan dated XX/XX/XXXX is {$32000.00}, since then I have made payments on time, and even made principal only payments. My balance on the loan as of today is {$31000.00}. There's no way I can pay this loan off, when each month I make a payment of {$680.00}, and USAA pays {$600.00} toward the interest, and {$80.00} toward the principal, and charge {$14.00} daily, and at certain times USAA charge extra daily fees toward the loan that don't suppose to be charge, XXXX occasions, XX/XX/XXXX ( {$44.00} ) XXXX ( {$59.00} ), and XX/XX/XXXX. ( {$44.00} ). I trusted USAA in my financial needs, because they promote that USAA represent the veterans, so I signed the contract agreement with confidence in USAA. This is no way representing veterans, this is a continuous benefit for the USAA, with no way of paying off a loan. It's sad to think of the many veterans that have such a loan as this with USAA.
Consumer complaint received 2024-07-10
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (NY)

I ordered items from Victoria Secrets online Sale using my XXXX credit card in the amount of {$240.00}. 

Yet Victoria Secret billing department erroneously billed my Victoria Secret credit card the FULL amount of those sale items.

I havent used my VS card or PPC in months. My statements are sent all electronic. So I didnt catch the error until today, when I was compiling all my bills for XXXX. 

I called Victoria Secret credit card services @ XXXX and spoke with ( XXXX XXXX supervisor XXXX XXXX, Ma XXXX XXXX XXXX, XXXX XXXX sent me to a non-working number. All who refused to open a dispute! Finally, I called back and spoke with XXXX XXXX ( very helpful ). She transferred my call to supervisor XXXX @ XXXX. Each time I spoke with an agent or supervisor I had to ( XXXX ) identify myself and explain the entire dispute. Each person refused to open a dispute claiming I was beyond the 60 day limit for opening a dispute. 

I explained that I understood the 60 day window, but today is XX/XX/XXXX. Therefore, I am within that window of the 60 day time frame. 

They still would not open a dispute, even when XXXX said he saw the discrepancy, and how I should not have been charged. 

I immediately asked for a manager. I was transferred to XXXX @ Comenity bank. 

I was told I would receive a letter in the mail next week. Please help me as I am a senior. Id like to thank you in advance for your support in this matter.

I am hereby disputing the Victoria secret charge of {$560.00} plus my XXXX payment of {$61.00} for a total of {$620.00} plus all interest accrued on this account. 

XXXX XXXX is attempting to fraudulently collect payment for items charged to my XXXX credit account.
Consumer complaint received 2023-12-12
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. (CO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Monday, XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Follow-Up Consumer Opt-Out Dispute - Urgent Action Required Dear Consumer Financial Protection Bureau , I am writing to follow up on opt-out letters dated both XX/XX/XXXX and XX/XX/2023, in which I formally exercised my right to opt out of any and all authorizations, whether written or unwritten, verbal or non-verbal, that I may have given to Experian, XXXX, and XXXX XXXX This opt-out request is made in accordance with my rights as a Federally protected consumer under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 

Regrettably, Experian, XXXX, and XXXX have chosen to ignore both of my opt-out letters entirely, and my consumer information continues to be furnished without my consent. This persistent violation of my rights under the FCRA is unacceptable. 

I am now submitting a formal dispute with the following requests : XXXXImmediate Removal of All Furnished Accounts : XXXX  I request that Experian, XXXX XXXX and XXXX take immediate action to remove all furnished accounts listed within this dispute from my consumer report. This request is in accordance with my explicit opt-out directive, which covers both written and unwritten, verbal and non-verbal authorizations, as per 15 U.S. Code 6802.