davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-22
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (CA)

In XXXX, I was overcharged twice in the same month, a week apart. This overdrew my bank account, Discover then flagged my credit, this " mistake '' has cost me my positive credit report, to rent an apartment, XXXX separate times.Its still on my credit report despite asking them to fix their " mistake ''. Its shows, its been " charged off '', since XXXX of XXXX, however, thats due to calling and asking to have it removed. The official closed in XXXX of XXXX. As of this moment, Discover, has owed me XXXX cents, since XX/XX/XXXX! This is completely unprofessional, someone needs to be held accountable for this.
Consumer complaint received 2024-05-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (IL)

I spoke with them in regards to my request for all the information on this account and explain to them that it was not my account they said they would send something in the mail what I receive was not that what I requested I was sent a letter stating that I had agreed to pay {$260.00} when I had never agreed to anything I wanted to have the information for the account so that I can actually go to the police station and filed a report they still have never sent me anything they just sent me a letter saying I have breached the agreement for the credit card payment of {$260.00} which I never agreed
Consumer complaint received 2023-07-13
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: EQUIFAX, 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 items ( A ). It is not permitted to report these items 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 deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$660.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$710.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-03-21
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: EQUIFAX, INC. (CA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance : {$720.00} XXXX  XXXX Balance : {$130.00} XXXX XXXX XXXXXXXX Balance : {$320.00} XXXX XXXXXXXX Balance : {$5400.00} XXXX XXXXXXXX XXXX Balance : {$360.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2024-04-10
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. (FL)

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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 instructions 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. 1681s-2 ( A ) ( 1 ) 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 2021-01-10
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692XXXX. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION.
Consumer complaint received 2018-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (IL)

I have three accounts with PNC and on XX/XX/18 I return from XXXX. We had money in our main joint account when checked on mobile banking app. At no point did it say I was overdrawn. If so we had additional money in another account. At about XXXX and email came to my inbox saying we was overdrawn my husband check account and we had already been charged XXXXfees for ATM FEES WHEN TRAVELING. We get the ATM fees back at end of month. Went in to downtown branch on XX/XX/18 and was told the same thing fees came from ATM charges and was told would be forwarded up to be reviewed. Was called back on XX/XX/18 and was told fees couldnt be refunded. We are never over on our account this is our second vacation and the first time the same thing happened and fees was refunded. We didnt get timeframe to transfer funds before charged. I dont feel like this is fair.
Consumer complaint received 2023-08-02
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: EQUIFAX, INC. (TX)

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 items ( A ). It is not permitted to report these items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-05
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (CA)

Enhanced Recovery is a XXXX party debt collector attempting to collect an alleged debt. I do not have any signed contracts with Enhanced Recovery showing that I owe this company any money nor have I given written permissible purpose for Enhanced Recovery to obtain my personal information and even contact me. Enhanced Recovery is in Federal violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. They have tarnished my consumer report with this false and misleading information, their negative reporting has cause me to be discriminated against when applying for credit due to their illegal practices. Their negligence has cause me undue hardship and is affecting my personal and family life. In addition, Enhanced Recovery is not licensed to operate in the state of California where I currently reside therefore clearly making it illegal to contact me about this alleged debt.
Consumer complaint received 2023-11-06
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (PA)

Chase is refusing to acknowldge the identity theft and holding me liable for fraudulent transcations inspite of repeated explanations I am writing to you to document an issue with identity theft that I have complained to chase about previously. 

To sum up, On XX/XX/, my phone number was hacked. My provider is XXXX XXXX which uses an e-SIM service. The e-SIM was ported out to a different device. Once the hacker got hold of my phone number, he utilized phone based authorization and OTP services to get into my credit card accounts including Chase. 
He opened a new credit line with Chase under number # XXXX now ending XXXX If they check the date of the transaction they will find that this account was opened on the same day - XX/XX/XXXX. Before the physical card was dispatched, the hacker added the virtual card to XXXX XXXX ; and was able to utilize it for two transactions at XXXX totalling {$370.00}. 

Without phone access, I had to go in person to the branch multiple times to explain the situation and request the account be stopped. 
At the same time, the hacker also opened multiple credit lines with other companies. 

I have been a Chase customer for over 5 years and my account has always been well maintained. I have explained this situation multiple times in person ; and providing the same detail via this email as well. 
I want to emphasize my profound frustration and disappointment in the way this matter has been handled so far. I have consistently provided all necessary information, with a detailed chronological account of events from the day it occurred. I have visited my local branch multiple times over the past four weeks, made countless phone calls to your fraud department, and yet, I still find myself in a situation where the investigation officer 's demeanor has been less than accommodating. I have been met with rudeness and disbelief, with inquiries as to why I am reporting this after 60 days of the incident. 

I would like to request that you close this account and waive the charges on this account - while ensuring that this does not affect my credit score and record. 
My credit has also been frozen with all the credit agencies and if you check with them, they can verify the same I have provided them screenshots as documentation of the activities around that time period ; complaint that was provided to XXXX XXXX ; as well as the email that was sent to the Police department in XXXX XXXX XXXXXXXX with the appropriate complaint number already provided them I kindly request that you conduct a thorough investigation into this matter, provide me with updates on the progress, and work with me to resolve this issue promptly. I look forward to a swift and satisfactory resolution, as I believe it is in the best interest of both myself and Chase Bank.
Consumer complaint received 2024-04-10
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: EQUIFAX, INC. (NY)

The Fair Credit Reporting Act states that the only permissible purpose for pulling one 's credit report is for : Firm Offer of Credit , Insurance, Employment, Court Order I have not authorized any of these companies to get a copy of my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX By allowing this inaccurate information to be reported is a clear VIOLATION of the Fair Credit Reporting Act Section 1681b ( c ) : Transactions Not Initiated by Consumer. If the original creditor can not PRODUCE evidence to contradict my suspicion that FCRA 1681b ( e ) was violated then it will clearly indicate that said creditor was not LEGALLY authorized to view my consumer credit file. I am confident that if METRO 2 COMPLIANT EVIDENCE is not produced, that any court as well as the FTC and CFPB will see this violation a just that, a VIOLATION of the Fair Credit Reporting Act.
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

I have called XXXX multiple times in regards to this vehicle on my consumer report. I XXXX XXXX, natural person and consumer has stated that myJeep is paid for free and clear. XXXX company continues to run my credit score into the ground because inaccurate information. XXXX credit union refuses to release my title although they do not have any verifiable documentation to prove they actually loan me money. This issue has caused a big hardship on my family because we can not get a home due this destroying my credit. XXXX has no right to place this information on my consumer reports when I have informed them that it is inaccurate.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/XXXX and XX/XX/XXXX ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.
Consumer complaint received 2024-04-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2024-04-10
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. (IN)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC.
Consumer complaint received 2016-08-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

checking credit My credit has been reported delinquent 30, 60, 90, 120 days and it was supposed to be corrected. It is showing that this is over 10 years old. I spoke with my previous servicer, XXXX, and it was supposed to be corrected before it got moved to Nationstar. Nationstar continued to report delinquent when it was supposed to have been corrected.
Consumer complaint received 2024-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The Fair Credit Reporting Act states that the only permissible purpose for pulling one 's credit report is for : Firm Offer of Credit , Insurance, Employment, Court Order I have not authorized any of these companies to get a copy of my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX By allowing this inaccurate information to be reported is a clear VIOLATION of the Fair Credit Reporting Act Section 1681b ( c ) : Transactions Not Initiated by Consumer. If the original creditor can not PRODUCE evidence to contradict my suspicion that FCRA 1681b ( e ) was violated then it will clearly indicate that said creditor was not LEGALLY authorized to view my consumer credit file. I am confident that if METRO 2 COMPLIANT EVIDENCE is not produced, that any court as well as the FTC and CFPB will see this violation a just that, a VIOLATION of the Fair Credit Reporting Act.
Consumer complaint received 2023-02-20
Product: Credit card or prepaid 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. (NY)

1ST : Companies involved in the fraud are " XXXX '' and JPMorgan " Chase ''. Instrument being weaponized in the theft of my money and/or credit lines is a Chase Mastercard Credit Card with `` Flex '' in its name ending in " XXXX XXXX '' ( in this complaint text, I have censored the 16th digit. ) XXXX has fraudulently charged me {$12.00} without my permission. I obtained a free trial service with XXXX. XXXX is accused - possibly with questionable proof- of not delivering services to me properly or at all during such free trial. Therefore I cancelled my service before a deadline where I'd possibly be charged on a monthly basis and revoked permission to be charged in an email to XXXX prior to a date where XXXX would charge me for continuing beyond a free trial, and also signed in to my XXXX portal in order to cancel. However, XXXX has charged me {$12.00} anyway. 
2ND : I filed a XXXX  complaint ( XXXX  case # XXXX ) against XXXX  over this fraud. XXXX didn't reply. On a XX/XX/XXXX phone call ( which is also the date of writing this CFPB complaint ), Chase claims to have resolved the matter of only the theft of {$12.00} on XX/XX/XXXX, but has essentially stated that anyone, including XXXX, can continue to steal my money in the present or future, and that they can not stop it, despite such credit card being a Chase-issued credit card and me never giving permission to Chase to allow themselves or other companies to steal my money. This is dangerous due to both an implication that XXXX will continue to charge me {$12.00} without my permission every month, and also that anyone could steal unlimited amounts of my money due to Chase 's refusal to stop it.

3RD : Chase claimed, on XX/XX/XXXX they do not have the " option '' to stop merchants from charging an account ( of mine, with Chase ) and that I have to keep disputing charges. Chase then said this is " how it works '' but I did not consent to being party to such a process where XXXX or any merchant can continuously steal my money on a repeating basis. After repeatedly refusing to stop the theft of my money, Chase then stonewalled me with silence in order to waste my time, offend me, and be complicit in the continued theft of my money, most of which could be anticipated to be from XXXX. I demanded Chase should no longer give any of my money to XXXX. Chase once again refused. This is not a full list of the number of times chase repeated offensive phrases at me that threaten being complicit in having my money be stolen on XX/XX/XXXX.