davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION (NV)

Company keeps giving I a void form. Than Company refused to enter name correctly. Company entered an invalid name in credit application. Company does not have option online to update name information where there is an error on display. Company abbreviated name against English language rules. company is mailing denial letter to home address which is intimidating to XXXX I asked for online support and they referenced me to fill another non english rule form that is void by the states federal holiday XXXX XXXX  given name. I request staff to follow english rule and enter name correct as written on ID. I keep getting XXXX forms or the staff keeps converting name into XXXX from XXXX. Than Staff also stealing US citizens creed units victory always and trying to apply from XXXX to XXXX to result in abbreviating name. It's every man for their self.
Consumer complaint received 2018-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TX)

A friend with financial problems asked me to make 2 payments on her credit card which was a Chase card and I had a Chase bank account. I made 2 authorized telephone transfers, supposedly recorded by Chase, on XX/XX/XXXX and XX/XX/XXXX from my bank account to her credit card. In XXXX, XXXX, I discovered that without my consent or approval, {$25000.00} was transferred from my account to her credit card from XX/XX/XXXX to XX/XX/XXXX. I immediately called Chase to report a fraud. Chase determined that these transactions were valid even without my authorization, and without any of my personal information which I never shared with her, because I had made the 2 previous valid transfers to her account. I have asked Chase to provide evidence for the initiation and approval of the unauthorized transfers but they will not provide any such evidence. The problem here is that Chase 's system allows anyone to transfer money from someone else 's account to their own account without any proof that the account they are transferring from belongs to them. I have reported it to the police, the FCC, and XXXX investigates..I first spoke to my private banker on XXXX. She told me I was protected by Chase 's zero liability policy. She filed a fraud claim with Chase which was rejected by mail. I followed up myself with Chase 's fraud department on XX/XX/XXXX but was told there nothing more Chase could do.
Consumer complaint received 2024-02-03
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. (CA)

I have given instructions to XXXX XXXX in the past to opt me out from Sharing my information unfortunately for some reason this information continues being Update it on my TransUnion consumer credit report this information is a fraudulent information that I have disputed with the CFPB in the past, XXXX XXXX has been sending me an Incomplete Promissory note without the Wet signature contract, so, I am writing to exercise my right to opt out of the sharing of my nonpublic personal information with nonaffiliated third parties. Please take note of the following instructions regarding this information sharing and sales policies. Under 16 CFR 433.3 - Exemption of sellers taking or receiving open end consumer credit contracts before XX/XX/1977, from requirements of 433.2 ( a ) Also. I'm asking for the Opt-Out Request I hereby request that XXXX XXXX do not disclose or reserve the right to disclose my nonpublic personal information to any nonaffiliated third-party Categories of Information Please identify all the categories of nonpublic personal information that you currently disclose or reserve the right to disclose, as described in 1016.6 ( a ) ( 2 ) and ( 3 ) of Regulation P. Additionally, specify all the categories of nonaffiliated third parties to which this information is disclosed
Consumer complaint received 2023-04-14
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. (GA)

In accordance with the fair credit reporting act XXXX XXXX, has violated my rights a. 15 U.s.c 1681 section 602 A. States I have the right to privacy b. 15 U.S.C. 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-03-25
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. (PA)

This company is sharing non public personal information about my relationship with non affiliates in particular they are sharing my credit utilization percentage with non affiliates to which it is in conflict with the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ) exclusion from a consumee credit report clearly states ( A ) EXCLUSIOS- Except as provided in a paragraph ( 3 ), the term consumer report does not include - ( A ) Subject to section 1681s-3 of this title, any - ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report and in has been well established that credit utilization percentage is a transaction and experience to which should be excluded.
Consumer complaint received 2023-12-26
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: DISCOVER BANK (SC)

In XXXX, my discover credit card was used from my old XXXX via XXXX XXXX to fraudulently purchase over {$1100.00} worth of things from XXXX, including XXXX XXXX XXXX XXXX. This was very irregular activity, and my credit card was not paused and I was not notified when this first happened. I had to go into my account a few days later and pause the credit card to stop the charges, and Discover did not help me at all. After disputing the charges with evidence from XXXX, fbi complaints and more, they still did not resolve my dispute. I have began the process of filing a police report with the XXXX XXXX store where I left my XXXX XXXX, where the charges occurred from according to XXXX. In the mean time, I need these fraudelent charges cleared from my Discover bill.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (TX)

I have a credit monitoring service that told me I had a hard inquiry for a credit card application from Chase bank on XX/XX/XXXX. I immediately notified Chase to tell them that it was a fraud application and they moved it to the fraud department. At that time I asked they please remove the hard inquiry that was not mine and requested a letter at that time as well so I could dispute the hard inquiry with XXXX. I called back in XXXX of XXXX stating I had not received the letter and I still had the hard inquiry on my credit report costing me XXXX points, they told me it could take up to 60 days to remove. I called back in XX/XX/XXXX and stated I had not received either letters and asked them to resend a copy. I never received that letter and my credit report had not been corrected so I called again in XX/XX/XXXX because it had easily been 90 days with no results. I have been a customer with Chase Bank for over 30 years so I do not know how they could not get the letter to me even though I get a credit card statement from them every month. I then contacted XXXX and filed a complaint because XXXX would not let me dispute the inquiry with no proof from Chase. Within a couple days of the XXXX  report I received a call from Chase " Executive office '' he said he would look into the matter. Today I received a call back and he did verify it was fraud and now tells me It is MY responsibility to get their erroneous reporting off my credit report. The " Executive '' Office said they were unable to change the incorrect information, that I would have to write a letter. I was told the letter would take another 7 days. This has been going on since XXXX of XXXX with no results and I have spent at least 10 hours on the phone with them. When my credit was stolen Chase reported the Inquiry in 1 day, yet unable to remove it 100+ days even though they agree and it sits in their fraud department. I hope I can get this negative hit to my credit off before the 2 year reporting is over.
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. (MD)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-25
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: Experian Information Solutions Inc. (FL)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-02-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Galaxy Capital Acquisitions, LLC (CA)

On XX/XX/XXXX Galaxy International LLC, through their attorney XXXX XXXX, XXXX executed a garnishment ( copy attached ) against my XXXX XXXX  account seizing {$2000.00} from my account for a default judgment of {$9000.00} ( now {$9900.00} with interest accrued ) they received through XXXX XXXX XXXX  XXXX XXXX on XX/XX/XXXX. I moved from XXXX  to XXXX  in XX/XX/XXXX and was not aware of any court case against me. I could not have been properly served as I had not lived at the address the company has for me since before the case was filed. There was no attempt to contact me for 1.5 years by either Galaxy or XXXX, the first indication I had a legal suit against me was the garnishment notice. I filed a formal change of address with the XXXX when I moved and I am not hard to find in public records. I do not know this debt and have no known connection to Galaxy International, LLC. Through research, I discovered XXXX is a foreign-owned debt purchasing company and discovered that the XXXX XXXX XXXX district court docket is loaded with Galaxy lawsuits handled by their attorney XXXX XXXX XXXX XXXX I made contact with XXXX XXXX on XX/XX/XXXX to request additional information. I was told they would be in contact within a week. I have not heard from XXXX and my multiple attempts to contact them led to voicemail with no callback. Whatever debt they may have purchased in my name, and with no details from Galaxy I can not even validate if this debt was ever mine, would have been from 10-15 years ago, and being sued without notice and having my funds garnished is beyond shocking and impactful. This is the most predatory business model out there. Throw out 100 's of lawsuits, with no attempt make contact with unsuspecting consumers who may or may not even owe the original debt purchased.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MN)

I submitted a credit repair request to a company, but they still failed to respond within the XXXXday timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-03-25
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: Experian Information Solutions Inc. (IL)

I am writing to dispute certain inquiries on my credit report that I believe to be inaccurate and unauthorized. Upon reviewing my credit report, I noticed several inquiries that I do not recognize or recall authorizing.
Consumer complaint received 2024-03-25
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. (OH)

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.

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 2024-03-25
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. (MI)

ive recently check my credit report and ive seen damaging inaccurate reporting i have a closed account thats reporting on my XXXX XXXX account and also my Experian account that is incorrect and i want it removed.
Consumer complaint received 2024-03-25
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: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX 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 XXXX  business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. Please see attached file for these items I am complaining.
Consumer complaint received 2023-02-13
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. (IL)

I have previously provided a police report number to Equifax in XXXX  stating that my identify was used by someone else. I have provided everything they have requested and verified me identify multiple times. They still have names listed on my report that are not mine. At this point this is clear that this is willful, and they are being non-compliant. They are not updating my name and refuse to actually make sure someone is verifying the information they place on my credit file, especially due to this delicate situation. My name is XXXX XXXX XXXX. It has never been changed. The name they have on my report Twice ( 2 times ) still shows XXXX XXXX XXXX. My middle name does not start with a XXXX  and never has.
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. (TX)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-03
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. (OR)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. 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
Consumer complaint received 2024-03-25
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I insist on the removal of this late payment from my account as it does not accurately reflect my payment history. I have consistently made on-time payments, and it is unjust to be penalized with this erroneous entry. I urge you to update my account without delay.