davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (SC)

I have about XXXX XXXX points missing from my Chase XXXX XXXX card. I have been told by Chase that the points I see on my account ( screenshot attached )- which clearly shows I have XXXX points - represents the points I have earned over the life of the account and that I only have about XXXX points that I can use. However I have never redeemed points and have not been given an explanation for where the XXXX points have gone. I have included XXXX screenshots showing I clearly have XXXX points and XXXX screenshot showing that I only have XXXX when I go to use them. The remaining attachments are my secure messages with chase where they tell me nothing is wrong and never provide an explanation for where the points have gone. You can see on the fourth attached secure message to chase that they said they will " no longer respond to this specific inquiry '' so without explaining where the points have gone they have also told me they wont respond to me any further about this matter. My only recourse at this point for an explanation is a CFPB complaint.
Consumer complaint received 2023-08-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: DApps Platform, Inc. ()

Commencing on or around XX/XX/2023, I fell victim to two multi-layered scam operations run by XXXX XXXX which involved me making deposits for a total amount of XXXXXXXX XXXX from my Trust Wallet account to a fraudulent investment firm ( s ).
Consumer complaint received 2023-09-21
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

During the repossession of the car the dealer kept the car, then I got a ticket from XXXX because the someone from the dealer drove my car there, and was going at a very high speed in a 25mph max speed, also I got tickets from the tolls, and 3 parking tickets, when the bank called me to ask me for the car I told them it was a repo and to go and get the car at the dealership and they told me that they cant go to the dealership and pick up the car there because its a 3rd party or something like that, so I went back to the dealership after that to go and get the car, but the car wasnt there anymore, so the angent that took my keys was there and I asked him, he told me the bank took the car and if it wasnt the case maybe the city took the car, so he told me to call the city and check for the car, I did and the city didnt have the car, neither the police or sanitation, and then he told me that I had to call the police and make a report saying that it was stolen, witch I did and then when the police arrived they told me that the dealer is responsible for making the report and since XX/XX/2023 that was the day they kept my car, they havent make a report I have been there several times, because no one knows where is the car, and I had explained to them that if someone stole the car and do something wrong im going to be the person responsible for that, but they have been very sketchy about this topic, and I really dont know what to do at this point, I got in contact with a consumer lawyer but its tacking time, the dealer is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY , XXXX agents involved in this transaction are XXXX and XXXX, they are the ones that XXXX telling me that they dont want to get involved when they are the responsible for tacking my car and keeping plus driving it without my authorization, I tried several times to get help, but they just refuse to it they have been very irresponsible and unprofessional about all this, they are the 100 % best sellers but the worst when we talk about cleaning their own mess, because they know how everything works the rules and the laws of the process and still took advantage of me knowing that im a beginner of this.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my other Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I have been disputing an account on my credit file, and although multiple FCRA violations have been cleary committed, this file remains on my credit report. I have contacted Experian numerous times, by mail, email, online dispute but they continue to report this inaccurate unverifiable information on my credit report. I have reached out to the credit issuer many times, but with no response. I have created a XX/XX/XXXX case ( XXXX ) against them, and a CFPB case complaint XX/XX/XXXX-XX/XX/XXXX against them as well. I have called them and tried to contact them through email, each time I get no response. This is a clear violation of FCRA. I just recently submitted a complaint and in 30 seconds the system said complaint completed and no information was every updated. It look like an automated response. I understand that repeat static complaints are ignored, but each time I add relevant attachments of new information that the company has not responded or ignored. By law Experian has the obligation to throughly review and update my credit file upon request in a fair and accurate manner. They are ignoring my complaints. If you look at the file on my credit report, the status of this entry has not been updated since XX/XX/2013 ( see screen shot ). I am looking for Experian to remove this entry, the company account find my account and the information they are reporting is incorrect. I have spent several months trying to get this account removed. Experian is in violation of FCRA and I am looking to seek damages. Please remove this erroneous information from my credit file ASAP
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

My email got hacked and my SSN was stolen on XX/XX/23. The identity thief set up an experian account in my name. I was able to lock my credit with the other 2 credit bureaus, but when I tried to create an account with experian, it said an account already existed with my SSN. I realized they set it up while they had access to my email, so that I wouldnt be able to lock my credit. I tried to reset the password, but it asked me 2 security questions. Since the thief set up the account, I obviously couldnt answer them. I called customer support and the best they could offer was a 72 hour lock on my account. They said to call back, but I have been unable to get through to a real person. This has allowed the person to open credit cards in my name. I even got an email telling me how easy it is to give XXXX XXXX the identity thief expanded permissions on the card he opened in my name, as he added himself as an authorized user. I am including a screenshot of the experian account creation email and the email from XXXX XXXX I just want to be able to get control of the account or get it shut down so I can create one. I am more than happy to provide whatever proof of identity is required to prove I am who I say I am.
Consumer complaint received 2023-11-08
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)

This is my other Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

I am writing to address the presence of unauthorized transactions in my consumer report, which I did not authorize or instruct. As a result, I formally request the blocking and removal of these accounts without any inaccuracies or misrepresentation of facts. Below, I have listed the specific accounts in question : It appears that your organization may be violating 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from solely containing information about transactions or experiences between the consumer and the entity reporting the information. 

This statute explicitly states that XXXX, as the reporting entity, should not include transactions or experiences associated with the line of credit extended between the consumer and the reporting entity in my consumer report. 

I urge you to promptly update my utilization to 5 % or below within 10 calendar days or remove all utilization from the mentioned accounts. 

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is damaging to my reputation and adversely affecting my creditworthiness. 

Therefore, I demand the removal of these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts.

Additionally, along with the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days. 

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2023-08-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

I called to upgrade my card from Chase Freedom to Chase Sapphire on XX/XX/2021 and the representative did not transfer my points over from Freedom to Sapphire. I was under the impression that the points will automatically transfer since that is what happened the first time when I called to change from Chase Sapphire to Freedom. The representative on the phone never offered to transfer the points to my new account and as a result I lost a total of XXXX. I have not checked on the points balance since we have no need for it during covid. When I checked last week I realized that my points were never transferred over. I reached out to customer service but they did not do anything. We have all our retirement accounts with Chase and in the process of moving another $ XXXX over to Chase. We have been happy with Chase until this incident and losing XXXX is not a small amount. We would like to get our points back and would really appreciate your help on escalating this issue.
Consumer complaint received 2024-04-19
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: EQUIFAX, INC. (FL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-12-21
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. (MO)

In Accordance with Fair Credit Reporting Act(FCRA), Privacy Act of 1974, and Equal Credit Opportunity Act(ECOA), Trans Union is Violation of 15 USC 1681, specifically 15 USC 1681(3)(2), transunion is not to report any information solely based on transactions or experiences the consumer and the persons. 
-violation 15 USC 1681b, Permission purposes of consumer reports, in general only under subpoena shall a consumer reporting agency may complete a consumer report.
- Violation 1031(a) and 1036(a)(1)(B) of the CFPA An act or practice is unfair when it causes or likely to cause substantial injury to a consumer which cannot be reasonably avoided
-Violation 5 USC 552(a) of Privacy Act of 1974 in accordance with 42 USC 408(a)(8) any company or agent of company who willingly and knowingly discloses, uses or sales the sensitive information of a consumer's social security number to any other persons is in violation of the laws of the United States.
Violation Rule 10b5-1(c) of Securities Exchange Act of 1934 This rule requires directors and Section 16 o
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

My consumer rights have been violatedXXXX XXXX XXXX XXXX XXXX XXXX The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 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 According to : 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.

This account is not mine and has been opened fraudulently. DELETE THIS FRAUDULENT ACCOUNT FROM MY CREDIT REPORT.
Consumer complaint received 2023-08-29
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: WELLS FARGO & COMPANY (NY)

I ordered a credit card from Wells Fargo bank by regular mail and never received it Meaning someone retrieved it and used it and made purchases I asked for another card so they would fedex to make sure I get it this time and I activated it They are accusing me of activating it with my phone but I activated the second card with my phone not the first one that I didnt receive The fraud transaction was on XX/XX/2023 but I received my card after that date The bank refuses to overturn their decision to reverse the charges
Consumer complaint received 2024-04-19
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 and disappointment with the ongoing issue regarding the removal of fraudulent items from my record, despite my XXXX attempt to rectify the situation. Despite providing exhaustive evidence and diligently following the prescribed procedures, it is deeply disheartening that the problem persists without any resolution. 

I implore you to prioritize this matter with the utmost urgency and take immediate, decisive action to remove the fraudulent items from my record. Furthermore, I expect to be kept fully informed of the steps being taken to address this issue and seek appropriate compensation for the significant damages and losses I have incurred due to this egregious error. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXXXXXX Balance Owed : XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXXXXXX Balance Owed : XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXXXXXX XXXX XXXX Balance Owed : XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : XXXX XXXXXXXX XX/XX/2023.
Consumer complaint received 2023-08-29
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. (AL)

My identity was used to open accounts and after reporting this issue the bureaus seem to not have removed these collections and other inquiries off my credit report. 
They are in violation of 15 US Code 1681c-2 and 1681b. My information was sold to third parties without consent by consumers who seem to not be able to provide signature verification on consent.
Consumer complaint received 2023-08-29
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. (CA)

15 U.S CODE 1692g - VALIDATION OF DEBTS. 
15 U.S CODE 1681I PROCEDURE IN CASE OF DESPUTE ACCURACY. 
XXXX & EQUIFAX XXXX XXXX DID VIOLATE MY CONSUMER RIGHTS BASE ON 611 FCRA DECLINING TO RESPOND TO ME REGARDING THE VALIDATION OF THE DEBTS AND INACCURATE REPORTING FOR THE FOLLOWING ACCOUNTS. 
1 ) XXXX XXXXXXXX XXXX ACCOUNT XXXX XXXXXXXX THIS ACCOUNT SOLD TO A THIRD PARTY COLLECTION AGENCY AND REPORTED AS OPEN / PAST DUE AMMOUNT THIS IS INACCURATE REPORTING AND MUST BE DELETED IMMEDIATLY. 

2 ) XXXX XXXX  ACCOUNT XXXX XXXXXXXX THIS ACCOUNT SOLD TO A THIRD PARTY COLLECTION AGENCY AND REPORTED AS OPEN / PAST DUE AMMOUNT THIS IS INACCURATE REPORTING AND MUST BE DELETED IMMEDIATLY. 
3 ) XXXX XXXX ACCOUNT XXXX XXXXXXXX THIS ACCOUNT SOLD TO A THIRD PARTY COLLECTION AGENCY AND REPORTED AS OPEN / PAST DUE AMMOUNT THIS IS INACCURATE REPORTING AND MUST BE DELETED IMMEDIATLY. 
4 ) XXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX THIS ACCOUNT SOLD TO A THIRD PARTY COLLECTION AGENCY AND REPORTED AS OPEN / PAST DUE AMMOUNT THIS IS INACCURATE REPORTING AND MUST BE DELETED IMMEDIATLY. 
5 ) XXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX THIS ACCOUNT SOLD TO A THIRD PARTY COLLECTION AGENCY AND REPORTED AS OPEN / PAST DUE AMMOUNT THIS IS INACCURATE REPORTING AND MUST BE DELETED IMMEDIATLY. 
6 ) XXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX THIS ACCOUNT SOLD TO A THIRD PARTY COLLECTION AGENCY AND REPORTED AS OPEN / PAST DUE AMMOUNT THIS IS INACCURATE REPORTING AND MUST BE DELETED IMMEDIATLY. 

7 ) XXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX THIS ACCOUNT SOLD TO A THIRD PARTY COLLECTION AGENCY AND REPORTED AS OPEN / PAST DUE AMMOUNT THIS IS INACCURATE REPORTING AND MUST BE DELETED IMMEDIATLY. 
8 ) XXXX XXXX XXXX ACCOUINT XXXX XXXX XXXXHIS ACCOUNT SOLD TO A THIRD PARTY COLLECTION AGENCY AND REPORTED AS OPEN / PAST DUE AMMOUNT THIS IS INACCURATE REPORTING AND MUST BE DELETED IMMEDIATLY. 
9 ) XXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX THIS ACCOUNT SOLD TO A THIRD PARTY COLLECTION AGENCY AND REPORTED AS OPEN / PAST DUE AMMOUNT THIS IS INACCURATE REPORTING AND MUST BE DELETED IMMEDIATLY. 
10 ) XXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX ACCOUNT SOLD TO A THIRD PARTY COLLECTION AGENCY AND REPORTED AS OPEN / PAST DUE AMMOUNT THIS IS INACCURATE REPORTING AND MUST BE DELETED IMMEDIATLY. 

11 ) XXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX THIS ACCOUNT SOLD TO A THIRD PARTY COLLECTION AGENCY AND REPORTED AS OPEN / PAST DUE AMMOUNT THIS IS INACCURATE REPORTING AND MUST BE DELETED IMMEDIATLY.
Consumer complaint received 2024-04-19
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. (CA)

I paid my account balance with XXXX XXXX in full to {$0.00} on XX/XX/XXXX. However, XXXX XXXX has not reported my correct account status as paid in full with a {$0.00} balance to XXXX and Equifax. I have made several contact phone attempts with XXXX and requested this is resolved. I have also submitted multiple disputes with both XXXX and Equifax. I even provided proof of payment in full to {$0.00} to both XXXX and Equifax, but both XXXX and Equifax are not honoring my proof of payment for some illegally reason and responding to my disputes as, " account verified '', despite the paid in full promissory note and settled in full email I received from XXXXXXXX XXXX  regarding payment of {$3000.00} and made on XX/XX/XXXX. Specifically the 1st page of the promissory note at the very bottom in the middle of the page it states the account has been " paid in full XX/XX/XXXX '' with a representative from XXXX name ( XXXX XXXX XXXX ) directly under the line of the " paid in full '' stamp. 

Improper investigation done by XXXX and Equifax. 
1. ) Account Name_ XXXX XXXX Account Number : XXXX XXXX and Equifax : INVESTIGATION RESULTS- VERIFIED AS ACCURATE : The disputed item was verified as accurate. 
XXXX XXXX # XXXX ( XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX FL XXXX, ( XXXX ) XXXX ) We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. Here is how this item appears on your credit report following our investigation. Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Installment Account Loan Type : UNSECURED Balance : {$3000.00} ; Wrong, should be {$0.00} Date Updated : XX/XX/XXXX ; Wrong, should be XX/XX/XXXX Payment Received : XX/XX/XXXX ( {$95.00} ) ; Wrong, should be XX/XX/XXXX Last Payment Made : XX/XX/XXXX ; Wrong, should be XX/XX/XXXX High Balance : {$4000.00} Pay Status : Current ; Paid or Paying as Agreed ; Wrong, should be paid as agreed and closed as of XX/XX/XXXX Terms : {$75.00} per month, paid ; Wrong, should be {$95.00} per month Bi-weekly for 24 months XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Rating XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wrong ; Should be rating for XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached to this complaint a copy of my XXXX dispute results ( # XXXX dated XX/XX/XXXX, the paid in full promissory note from XXXX XXXX XX/XX/XXXX, and the thank you email from XXXX that I settled the account.