davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-22
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

In XXXX of last year, I received a sales commission from XXXX XXXX. This commission was earned by successfully promoting the XXXX XXXX brand rights to a local butcher shop, resulting in a transaction worth {$60000.00}. My commission was 10 % of this amount. I have already paid the relevant personal taxes on this income after receiving the 1099, and I have obtained documentation from XXXX XXXX as proof of this payment. 

In XXXX of last year, I received a letter from Chase stating their intention to close all of my accounts, without providing any reasons. This year, I opened a Chase XXXX XXXX XXXX credit card for my personal business endeavors. However, it was also closed three months later. I sincerely request your consideration of my reinstatement application. I appreciate your time and understanding and am thankful for your attention to this matter.
Consumer complaint received 2024-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc. (FL)

I disputed a couple of unauthorized charges and won the dispute. But they froze my account until i can get a written letter releasing the deposit into my account from the third party and a copy of thier id card. Which is XXXX XXXX?!? How am i supposed to get this information? Theres no way i can. Ive call more than a hand ful of times trying to get more informatoin but they just reapeat this same stuff over and over. I dont know what else to do but email you guys. The amount is a little over {$250.00} plus a referal bonus i had gotten while the accounts been frozen
Consumer complaint received 2024-08-26
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. (TN)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Unauthorized inquiries XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Per attached screenshots, this is in regards to DEPT OF ED/XXXX  as reporting on my credit reports. Please delete this account from my report due to inaccuracy and inconsistencies in reporting because the 120 days past due shows XXXX on XXXX, XXXX on TransUnion, XXXX on XXXX. Kindly see screenshots for proof. 

This inaccuracy is keeping a negative account on my report, substantially hurting my credit score and preventing me from receiving much lower lending rates. 

Per CUSHMAN v. TRANS UNION CORPORATION ( XXXX  ), " the statute places the burden of reinvestigation on the consumer reporting agency '' Per 15 U.S. Code 1681s2, " 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. '' Much Obliged, XXXX XXXX
Consumer complaint received 2023-12-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I HAVE TRIED SEVERAL ATTEMPTS TO CONTACT TRANSUNION ASKING THEM TO VERIFY THE ACCOUNTS THEY HAVE LISTED AS LATE. THE COMPANY HAS FAILED TO COMPLY. THIS IS A BREECH IN MY PRIVACY RIGHTS. 

I AM PROMISED ACCURACY IN MY REPORT BASED ON FEDERAL LAW. I AM MAKING THIS CALL AS ANOTHER ATTEMPT TO HAVE THESE ERRORS CORRECTED ON MY CONSUMER REPORT UNDER 15 USC 1681. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, XXXX HAS VIOLATED MY RIGHTS : 1. ) 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 

2. ) 15 USC 1681 SECTION 604 A SECTION 2 : STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

3. ) 15 USC 1666B : STATES A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR PURPOSE. 

AS YOU CAN SEE IN YOUR SYSTEM, AND TRANSUNION SYSTEM THE COMPANY HAS NOT VERIFIED THE ACCURACY OF THIS INFORMATION OR VALIDATED IT.
Consumer complaint received 2023-09-22
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. (MD)

My name is 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 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 2023-06-25
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. (OR)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  ACCT # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT XXXX N/A, has violated my rights 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 an 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 then records of convictions of crimes which antedates the report by more then 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 2023-09-22
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. (MD)

My name is 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 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 2024-04-03
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Solar Mosaic LLC (GA)

Purchased solar system in XXXX, received instant approval to pay over time - lein was placed against our home and was not disclosed to us. The system never worked properly and we made payments on it for over a year. XXXX XXXX never came out to correct issues and it has taken us over a year to get the system up and running as of XX/XX/XXXX. 

We are trying to get a firm confirmation to pay off in the amount of {$35000.00} which was the first Target payoff instead of the full interest and loan amount over time of {$47000.00}. We can not reach anyone, nor will anyone call us back about settling the account.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-06-15
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. (MD)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXXXXXX, MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MD XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$500.00}, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX 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.
Consumer complaint received 2023-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NY)

{$190.00} was stolen from my checking account because my wallet was lost, and I provided screenshots to the bank for reimbursement with GPS location at the time of fraudulent charges made to my checking account. These funds were from my SSDI and Im dealing with food insecurity. The bank refuses to refund my stolen funds. I provided screenshots demonstrating the other denied charges the individual made. The dispute # XXXX image proof has been ignored, and I have not received my funds back. This bank used terms such as, if eligible for stolen fund reimbursement my money was my protected by an FDIC bank.
Consumer complaint received 2024-08-26
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. (IL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-08-27
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. (WI)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX # XXXX -BALANCE {$2300.00} Unauthorized inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (MO)

The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).
Consumer complaint received 2023-08-30
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. (IL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-22
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: Chime Financial Inc (IL)

On XX/XX/2023 I received an email from chime telling me Your card is on the way! 
Your Chime XXXX XXXX XXXX has been shipped to you. A bright green envelope should arrive in about XXXX weeks. it then asked me to confirm my home address and had an address several years out of date. 

I have never signed up for chime I have never investigated signing up for chime, and I would never do business with chime. 

I called chimes published support number and was out in contact with an agent. I explained that I did not open an account and wanted to know if that was just an incredibly deceptive marketing email or if someone had opened an account. The representative said I understand this is frustrating for you. When did you open your account? And they did not seem capable of understanding that I did not open an account. 

I believe this to be deceptive on their part.
Consumer complaint received 2023-09-22
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. (GA)

Someone opened a credit card under my name at XXXX on XX/XX/XXXX. Also, several other hard inquiries were made, which I do not recognize. I contacted the company and they agreed to close the account. So that account/card is not on my XXXX report. But these hard inquiries are showing on my reports. XXXX has removed them. Equifax and XXXX have not removed them. 

XXXXXXXX XXXX XXXX XXXX XXXX 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 2023-10-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo contacted me about XXXX checks that were deposited and were verified as fraud. I contacted the bank to let them know that I found out that I was scammed. The bank made a decision to close the account without my permission. The bank took {$300.00} out of the account to cover the {$400.00} the bank made available. The account is now showing overdrawn {$100.00}. 15 USC 1643 ( a ) Limits on Liability ( 1 ) ( B ) the liability is not in excess of {$50.00}. 

The company has continued to charge me XXXX XXXX monthly maintenance fees when I did not give authorization to electronically take {$14.00} out of the account. Violation of 15 USC 1692e ( 2 ) ( 10 ).
Consumer complaint received 2024-04-20
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. (GA)

I recently review a copy of my credit report and noticed an account that was not reporting accurately. I had XXXX account that i was in fact paid on time .The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments to paid i've attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) I'm now requesting you to investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2023-11-08
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: TD BANK US HOLDING COMPANY (MA)

After having a checking account with TD Bank for several years, I opened a credit card in XXXX of XXXX. I received the credit card ending in the mail in XX/XX/2023. 

Using the mobile banking app, I added identified myself as an " authorized user '' on the credit card account in XX/XX/2023. Without my knowledge, this triggered the bank to issue a second credit card, which was sent to my address without notification. Because I was not expecting a second card, I threw the envelope away, and it was stolen. I do not know the full number of the stolen card. 

Throughout XX/XX/2023, this second credit card ending in was used in a series of unauthorized purchases for a total amount of {$3500.00}. 

I continued making payments on my card and only became aware of the unauthorized charges in late XXXX after realizing that my balance was significantly higher than expected. On my banking site & app, there is no way to distinguish purchases by the card that was used. I saw the fraudulent card when I downloaded PDF statement. I initiated a fraud investigation with TD Bank on XX/XX/XXXX. 
At the time, TD Bank informed me that the investigation could take up to two billing cycles. Instead, the investigation was complete in only two weeks, and I received a rebill on XX/XX/XXXX. The rebill identified a combination of charges on both credit cards as fraudulent, despite the fact that all charges on the first card were authorized. 

I contacted TD Bank Customer Service but was informed that they did not have sufficient information to answer my questions. Customer Service escalated my questions to the Investigations Team and told me they would call within 5 days. 

Since then, I have called Customer Service weekly and have sent a fax to the Investigations Team to provide them with more information, but I did not receive any form of communication from the Investigations Team for over three weeks. The Customer Support team then filed a complaint with the chairman of the board on XX/XX/XXXX. 

On XX/XX/XXXX, I received a call from the chairman of the board 's team. I was informed that the decision ( the rebill ) stands, and I am responsible for paying all charges to my account, from both cards. 

On XX/XX/XXXX, I received a call from the Investigations agent, who informed me that she was not even aware that there were two cards associated with the account. The agent informed me that I should have been directed to the Credit Card Team to begin with. 

Late fees continue to accumulate on my credit account, but as of today, I have already paid {$4000.00}. During the month of XXXX, I was only responsible for {$810.00} in authorized charges made using the first credit card. I have therefore paid almost {$3500.00} toward unauthorized charges made using the second card. On XX/XX/XXXX, I received my first call from Collections at TD Bank.
Consumer complaint received 2023-09-22
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. (NC)

My name is 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 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.