davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

I was applying for an apartment and there was an issue with pull my report for Equifax. After calling multiple times they just tried to tell me I have no exsisting credit and that I would need to submit my documentation to prove I am who I say I am which I did, I follow up a month later and they do not have any of my information on file still. After speaking to my creditors XXXXXXXX XXXX was able to verify that Equifax had deleted my information due to an error that may have acured. I kept asking Equifax why is that all other Credit Bureaus are able to pull my information and yet you guys are not but they were not able/willing to do the work to figure this out. I then advised Equifax of the new information given by XXXX and contact the consumer affairs department I submitted my documentions and was told this would be resolved. This began in XXXX XXXX and I am now following up in XXXX XXXX  they advised me that the agent had submitted my information wrong and that I would have to wait another 30 days to get this resolved I asked how can I know this will be resolved I was not given any further description besides a claim number. I have spent over XXXX XXXX in application fees for apartments. Im not able to move due to this issue which is causes me extreme stress and nothing seems to be done about this. Where did my information go why did no one call me why cant I speak to a supervisor, and why can I make no complaints about the the service at Equifax
Consumer complaint received 2023-02-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NC)

I don't know the dates I was informed 2017 and that the debt was with XXXX XXXX XXXX XXXX and managed by a " XXXX XXXX '' who I have learned is retired from XXXX XXXX and the hospital was acquired by XXXX XXXX. I was informed when calling XXXX XXXX XXXX XXXX billing that the debt does not exist.
Consumer complaint received 2023-08-10
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: EQUIFAX, INC. (AL)

XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXX XXXX XX/XX/2023, XXXX XXXX XX/XX/2023 on XX/XX/2023 i lost my wallet thats its showing hard Inquiry
Consumer complaint received 2023-12-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have been with Capital One since 2017, I am a good client. I had to go over seas and thought I had no balance however I have now XXXX late payments which killed my credit scores. I have worked hard to have perfect credit for many years. Is there anything that can be done?
Consumer complaint received 2023-12-06
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. (OH)

On XX/XX/23 I attempted to book a hotel room at XXXX XXXX in XXXX XXXX, Utah online. I thought I was on the XXXX website but was actually on a third party website. The room was supposed to cost approximately {$190.00} and that was the price I was shown at checkout. However, once the transaction went through, it showed that I was charged an additional {$100.00}. 

I immediately called the number on the receipt to dispute the charge. That is when I learned that I was dealing with a third party. The person on the phone said the additional {$100.00} was for fees that were listed in the fine print and said the transaction was non-refundable be ause the room was alrwady booked. I canceled the transaction anyway and then called the hotel to make sure the booking was cancelled. 

I called Chase, my bank and credit card company, to dispute the charge. I told them that I was charged a higher amount than what was shown to me. While it took a few days for Chase to act, they did suspend the charge and opened a dispute. However, on XX/XX/23, I received notice from Chase that they considered the transaction legitimate and I was responsible for paying it. 

I am filling this complaint with the CFPB because the transaction was clearly fraudulent. I was shown one price but charged another higher price. I acted immediately to attempt to cancel this charge and bring it to my bank 's attention. Chase did nothing to advocate for me or protect me and is now saying that I have to pay {$290.00}. I hope the CFPB can help.
Consumer complaint received 2023-12-06
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CO)

XXXX XXXX, XXXX Invoice received from my XXXX XXXX XXXX Service showing a charge of : {$90.00} and {$11.00} for CREDIT CARD FEE ASSESSED This is not a problem with my XXXX service, it is with the fee that Chase charged them to process my purchase. 
Chase Bank.comXXXX You have my name and contact information. 

As you probably are aware : " In XXXX, credit card companies in the U.S. earned {$120.00} XXXX from processing fees charged to merchants. The money they made from these fees increased at a faster rate than the actual money spent on purchases -- and recent reporting suggests that XXXX and XXXX intend to raise fees further in XXXX and early XXXX. '' ( XXXX XXXX )
Consumer complaint received 2023-10-31
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. (GA)

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 XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2020-06-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

Hi there, I was at the XXXX XXXX XXXX and was stopped by someone claiming to be a psychic healer. She requested {$260.00} in exchange for a professional healing that she would do for me at a pre-determined date. I sent this woman {$260.00} via Cash App and never heard back from her. Her handle is : XXXX  XXXX I feel very emotionally and financially violated by this. Please help me.
Consumer complaint received 2023-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (CA)

I just purchased a vehicle literally 2 days ago. XX/XX/2023 is when I walked into a local US Bank to extract my hard earned funds that I was saving for my vehicle purchase. I mean the vehicle only cost me XXXX I withdrew XXXX. Just in case. I also put insurance on my vehicle later after purchasing the vehicle, which I also used my US Bank account for to make that purchase. Then to avoid the service fee I XXXX  myself from my XXXX XXXX bank account money ( XXXX ) to be exact. When I later tried purchasing something for the vehicle that I needed - my card was declined- I used my mobile app to check it. I have money in there to cover everything- then I called the bank and they act as if I am a criminal- my XXXX XXXX account- they have no problems with me there and theyve never even saw my face- everything is done online- the bank is now stating its due to my address verification and they are the ones that sent me an email stating my address verification was successfully received and updated- mind you I opened the account 4 months ago- they are trying the gaslighting bit and all this silly misdirection XXXX  that sometimes they do- I just want my money- I have all evidence to prove this. Also I saw article where US Bank was sued by customers in the past for abuse of power. They stole XXXX from my account for something that I didnt even purchase- they are just stealing my money. Please help me with next steps. I dont recommend this bank to anyone, however, this incident wont detour me from opening up another account at a physical bank. Just because XXXX bank is playing games and committing fraud, doesnt mean that every other bank is the same.
Consumer complaint received 2024-01-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (MI)

I have over {$2000.00} in my savings account with chase. The total amount should be {$2500.00}. I woke up one morning tried to withdraw my money and my accounts were closed. No notice was issued and no one could tell me why my accounts was closed. The money in my saving was for my rent the money I was behind. They have been giving me the run around being rude having me drive 1 hour to the bank for false hope and I cant take it anymore. Im going to lose my house if I cant get the money from my account to pay. I have not been able to buy food or put gas in my car all my money is in my account.
Consumer complaint received 2024-03-31
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. (AZ)

I disputed an account and pulled my report to see the result of the dispute because i received information that it was verified. As i pulled this account, i noticed several inaccuracies that still exists on this account which informs me that it was not a thural investigation into this account. Its my understanding that the Credit Bureau will investigate this account for me and insure maximum accuracy. As i'm looking at this account, im looking at several inaccuracies and none of the inaccuracies has been investigated or corrected and has been deemed validated. Here is the account im asking you to verify as accurate as they NOT seem to realize many inaccuracies. XXXX XXXX XXXX
Consumer complaint received 2024-01-10
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. (GA)

Hello, I just need this one inaccurate account be removed on my credit report from all credit bureaus record because they have reported it incorrectly. A lot of information doesn't connect, match and align with each other, thinking that youre only acquiring this information from one source or creditor. How can that meet the Standards of Accuracy if the reports from each bureaus differ from one another? 

This is the main reason why I have reason to believe that this account was incorrectly reported under my name. I never authorize any individual or entity to add this item on my file. So this must be automatically removed and deleted as promptly as possible. 

While I was scanning through my credit reports. This one particular account named XXXX XXXX with account # : XXXX. All three credit bureaus have different interpretation of each categories and descriptions : 1. Account Type - Detail > XXXX said it was a deposit related but XXXX said it was UNKNOWN and Equifax has no comment 2. Account Status > XXXX XXXX Equifax said Derogatory but XXXX said PAID 3. Date Opened > XXXX said XX/XX/XXXX but XXXX XXXX Equifax declares XX/XX/XXXX. 
4. No. of Months ( terms ) : XXXX says XXXX but XXXX and Equifax says XXXX 5. Date Last Active > in XXXX was on XX/XX/2023, XXXX says XX/XX/2023 and Equifax was XX/XX/2023 XXXX. Date of Last payment : XXXX XXXX XXXX has NO Records, while Equifax declares XX/XX/2023 Thus, I demand that this account must be deleted.
Consumer complaint received 2023-07-31
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. (NY)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

Privacy ACT of 1974ALL Rights Reserved! My non-public information is being reported WITHOUT my consent! Each company on my consumer have been informed several times. Per the CFRs as a federally protected consumer I am now opting out per 15 USC 6802. Please take note this is my final attempt before federal court papers are filed and each credit reporting bureau who is reporting my NON-Public information will be sued to the fullest extent possible dating back 5 years. 

Also transactional history is illegal to report. Please see letter from FTC to see the deceit and fraud that is happening.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to express my profound frustration with the way my multiple attempts to rectify fraudulent items on my credit report have been handled. Despite my persistent efforts to have these fraudulent entries removed, they persist on my credit file, causing severe financial and personal distress. These fraudulent entries have had a profoundly negative impact on my credit score, making it difficult for me to access credit, obtain loans, and even secure employment opportunities. I have followed all the appropriate procedures for disputing these fraudulent items, including submitting supporting documentation and adhering to the regulations outlined in the Fair Credit Reporting Act. Despite my repeated efforts, the fraudulent items persist on my credit report, and no corrective action has been taken. I am deeply concerned about the harm this situation is causing to my financial well-being and overall quality of life. I have attached copies of all my correspondence, dispute letters, and supporting documentation to this complaint for your reference. I expect a thorough and prompt investigation into this matter to remove the fraudulent items from my credit report. I kindly request that you provide me with a written response detailing the results of your investigation and the actions taken to rectify my credit report within 30 days of your receipt of this complaint, as required by the Fair Credit Reporting Act. In addition to the removal of these fraudulent entries, I also request that the credit bureau furnish a written statement detailing measures taken to prevent such fraudulent items from reoccurring in the future. This is crucial to ensure the protection of my credit and to prevent others from experiencing similar hardships. I am fully willing to cooperate and provide any additional information or evidence required during the investigation process. Failure to address this matter in a satisfactory manner will leave me with no choice but to pursue legal action to remove these fraudulent items and seek damages for the financial harm inflicted upon me. I am asking for your assistance to remove the following fraud items in my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (SC)

I received XXXX emails today from Chase Bank stating that i applied for credit cards and they needed more personal information from me. I called and reported it. I did not apply for credit cards and my XXXX XXXX has all of a sudden taken a major hit with Chase Bank when i checked it and also with XXXX XXXX. I froze all my credit card accounts. I'm not sure what else to do at this point.
Consumer complaint received 2023-10-31
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 noticed a student loan account opened in XX/XX/2022 on my credit report by XXXX XXXX XXXX servicer without my permission, validation, authorization, and verification nor does it have my signature to be placed ontheirplatform.
Consumer complaint received 2023-10-31
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. (FL)

I want to inform the TransUnion and XXXX Credit Bureaus XXXX XXXX that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) TransUnion and XXXX CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX BANK XXXX XXXX XXXX BANK XXXX
Consumer complaint received 2023-09-25
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. (IL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I recently reviewed my credit report and I was shocked to learn that I have been a victim of identity theft. I found numerous accounts that weren't opened by me. This is hurting me during my process of purchasing a home for my family. Please delete these fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

**Statement Regarding Unlicensed Debt Collection Activities by XXXX XXXX XXXX in New Jersey** I am submitting this statement to report the unlicensed debt collection activities conducted by XXXX XXXX XXXX within the state of New Jersey . 

- **Company Details : ** XXXX XXXX XXXX has engaged in debt collection activities regarding an account with XXXX XXXX XXXX across XXXX XXXX XXXX, and Equifax , without proper licensing in New Jersey . 

- **Account Information : ** Account Number : XXXX ; Account Type : Collection ; Account Status : Derogatory ; Balance : {$520.00} ; Payment Status : Collection/Chargeoff ; Last Reported : XX/XX/2023 ( XXXX & XXXX ), XX/XX/2023 ( Equifax ). 

- **Unlicensed Operations : ** XXXX XXXX XXXX is not licensed to practice debt collection in New Jersey , yet it has actively pursued collection efforts in violation of state regulations. 

- **Comments & Last Activity : ** Comments associated with the account indicate it's placed for collection and the subject hasn't satisfied the debt. The activity on the account, especially the recent one on XX/XX/2023 reported by XXXX, showcases ongoing collection attempts. 

- **Request for Intervention : ** I respectfully request the CFPB 's intervention to investigate XXXX XXXX XXXX XXXX unlicensed debt collection activities in New Jersey . This action violates consumer protection laws and raises concerns about compliance with state regulations. 

Thank you for your attention to this matter and your prompt action to address this issue and safeguard consumers from unlicensed debt collection practices.
Consumer complaint received 2024-01-05
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)

I am distressed that Equifax has included the information below in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure the maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated and deleted : XXXX XXXX XXXX Balance : {$25000.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX