davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NJ)

I have submitted this matter last month, but I realized I had more proper transaction history of Chase. And I found out another claim record submitted by the doctor in question toward XXXX. 
Dear sir, I would like you to investigate the following issue regarding my treatment at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had made an appointment with this office by phone following the advice of my friend, because of the XXXX XXXX issue. I went to the office on the date on XXXX XXXX XXXX, and probably I met XXXX XXXX XXXX because of the gender, female. I only met one doctor and received some instruction regarding XXXX XXXX XXXX XXXX. I had the regular XXXX  tests twice using two different devises in two separate rooms with assistants. At the record of XXXX, which was used to be our family insurance until this XXXX, I made the visits to two doctors, XXXX XXXX and XXXX XXXX XXXX. I am not sure who was XXXX XXXX, since I only met female doctor, assistants, and office ladies. The records of XXXX say that XXXX XXXX has claimed office visit and charged {$200.00}, even though I met a female doctor. And they say I had these tests ; XXXX XXXX  examination ( {$65.00} ), XXXX  test ( {$63.00} ), and comprehensive XXXX  ( {$130.00} ). And today, I found out this XXXX XXXX refiled and denied the same claim to XXXX. I paid my visit in-person on that day. I enclose the record of Chase transaction with a closed credit card ending XXXX by illegal transactions at several merchants. Later, I received two bills from XXXX XXXX stated on XX/XX/ ; even though the contents of the bills were same. I attach the copy of one of these bills. Since I was at loss and my husband mentioned to pay at that time, I paid by that same closed credit card ending XXXX. I attach the statement of Chase bank with this letter. In short, I paid {$35.00} twice for one visit to one medical office. I insist the payment processed on XX/XX/XXXX is a fraud. 

Sincerely,
Consumer complaint received 2024-04-22
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. (ME)

this is the XXXX  or XXXX  dispute i have done on this XXXX  reporting company. I spoke to the XXXX XXXX  and this company is in violation. I mailed them a couple disputes with proof on the XXXX of XXXX this is the XXXX  one the first was mailed back. So I got proof this time. Make them do their job because I am told I can file a civil suit. I have proof of all my contacts.The XXXXXXXX XXXX XXXX is also taking the info that neither XXXX of you will do anything
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Aargon Agency, Inc. (NJ)

On XX/XX/XXXX i contacted Aargon Agency regarding a collection on my report for XXXX in the amount of XXXX. I spoke with the collector and was assured if I paid XXXX ( 50 % ) that they would DELETE the item from my credit report. I paid on the same day. I looked at my report at the end of XXXX and saw it was still reporting but the balance had updated and showed XXXX due at that point. I figured it just needed more time to delete. Its now XX/XX/XXXX and the item is showing as a closed collection chargeoff with a XXXX balance AND on Aargons ' system they are showing an OUTSTANDING balance of XXXX as if i just randomly called in and made a payment for 50 % for no reason at all and decided to just leave the rest there! 

This remaining XXXX I was told on their " monitored and recorded lines " would be deleted from my XXXX report. I have a letter to that effect that I am attaching.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The company made false reports of my account being delinquent during COVID19. The account is also being false reported as XXXX accounts when is actually only XXXX that the XXXX XXXX XXXX XXXX is responsible for as agreed in mitigation back in 2013 for collecting tutition against the tuition expempt and making unsafe/ unsound scrutiny against orphans/wards of the court against Florida and Federal Law.
Consumer complaint received 2024-04-22
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. (CA)

im a victim of identity theft, i have a unauthorized fraudulent inquiry listed on my report, i never gave anyone permission to run my credit.please help me to remove this fraudulent inquiry XXXX XX/XX/XXXX XXXXi have attached my ftc affadavit see encloed
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

Note : New found information is being submitted. This is not a duplicate complaint. 

Subject : Formal Dispute and Complaint Regarding Equifax Credit Report Dear Equifax Dispute Resolution Team, I am writing to bring to your attention a matter of great concern regarding inaccuracies in my Equifax credit report. As of XX/XX/XXXX, I have identified fraudulent reporting of creditors and accounts that are not associated with me. 

I would like to emphasize that I do not own a business, have never entered into joint accounts with anyone, and have not authorized the opening of any accounts in my name. On XX/XX/XXXX, I submitted a complaint with the Federal Trade Commission ( FTC ) under complaint number # XXXX. Additionally, on the same day, complaints were lodged with the Consumer Financial Protection Bureau ( CFPB ) regarding Equifax 's false reporting of XXXX  XXXX. 

Regrettably, as of XX/XX/XXXX, my disputes remain unresolved, and Equifax has neither responded to nor acknowledged my complaints. The accounts listed below are erroneously reported on my Equifax credit report and should be promptly removed : XXXX XXXX Accounts : ** - Account Number : XXXX - Account Number : XXXX To substantiate my claims, I have attached a copy of the quick results generated by Equifax XXXX indicating that the dispute was completed between XX/XX/XXXX, and XX/XX/XXXX. Furthermore, the attached report reflects an alarmingly low credit score of XXXX, which I believe is a direct consequence of the inaccuracies being reported. 

I kindly request that you promptly investigate and rectify these discrepancies in my credit report. I believe it is crucial for the accuracy of my credit history and financial standing. Please provide a timely response acknowledging receipt of this dispute and a detailed plan of action to address and correct the reported inaccuracies. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-30
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. (TX)

I have fraud Alert and Credit Freeze on my credit. Still Experian has let unauthorized access to my credit file. 

Incident Happened today XX/XX/2023. Just checked my file .... Since i did not pay for there subscription. They have removed the locked and fraud alert. 

I want to see what the CFPB and FTC will do
Consumer complaint received 2024-04-22
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. (NY)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$800.00} Needs Attention XXXX XXXX Reported : XXXX. XXXX, XXXX + {$300.00} Needs Attention XXXX XXXX Reported : XXXX. XXXX, XXXX + {$530.00} Needs Attention XXXX XXXX Reported : XXXX. XXXX, XXXX + {$1200.00} Needs Attention XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$960.00} Needs Attention XXXX XXXX Reported : XXXX. XXXX, XXXX + {$880.00} Needs Attention Collection accounts XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$800.00} Status Collection account. {$800.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$880.00} Status Collection account. {$880.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$530.00} Status Collection account. {$530.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$300.00} Status Collection account. {$300.00} past due as of XXXX XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$960.00} Status Collection account. XXXX  Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 

Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX which is attached, he following items do not belong to me and is a result of fraud that I did not authorize
Consumer complaint received 2023-12-23
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. (PA)

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 2024-04-22
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. (NC)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-01-04
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: EQUIFAX, INC. (IL)

To Whom It May Concern, I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 
I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 
Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file :
Consumer complaint received 2024-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-01-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I am writing to formally express my concern about the inaccurate and incomplete credit information currently reported by your bureau. It has come to my attention that the information listed below is part of my credit profile, and I believe there have been lapses in maintaining reasonable procedures to ensure the maximum possible accuracy of the credit reports you publish. Credit reporting laws mandate that bureaus report only 100 % accurate credit information, necessitating stringent measures to guarantee the completeness and accuracy of reported information. Therefore, I am requesting proof of the alleged item, including the contract, note, or any other instrument bearing my signature. In the absence of such evidence, I request the prompt removal of the item from my credit report : XXXX XXXX XXXX. The accuracy and completeness of the listed item are seriously questionable. Furthermore, I wish to bring to your attention that other bureaus have already removed these accounts from their records, having identified and rectified errors. I am perplexed about how your bureau has verified this information while others have successfully corrected their records. Consequently, I insist on the removal of these items from my credit file, as they are inaccurate, erroneous, incomplete, or unverifiable.
Consumer complaint received 2023-06-22
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. (FL)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$8400.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Consumer Financial Protection Bureau 1700 G St. NW Washington , DC 20552 XX/XX/XXXX Dear Sir or Madam, I am writing to report an invalid practice or potential fraud by Bank of America ( BOA ) related to the withholding of a {$200.00} reward bonus. 
In accordance with the attached offer letter ( Attachment 1 ), I was informed by BOA that I would be eligible to receive a {$200.00} cash reward upon making at least {$1000.00} in net purchase by XX/XX/XXXX. As per my records, I made a purchase of {$77.00} at XXXX on XX/XX/XXXX ( Attachment 2 ), which contributed to my net purchase amount exceeding the specified threshold at {$1000.00}. This was based on the cumulative total of {$1000.00} before XX/XX/XXXX. XXXX, ( $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX {$1000.00}. 

However, it has come to my attention that BOA has altered the transaction date for this purchase to XX/XX/XXXX, as indicated in a monthly bill from BOA ( Attachment 3 ). This change in transaction date has resulted in my failure to meet the spending requirement for the reward bonus. It is essential to note that the purchase with an expense of {$77.00} took place on XX/XX/XXXX, and the order was received from XXXX on XX/XX/XXXX and XXXX, XXXX. 

I have diligently communicated with BOA on multiple occasions, engaging with representatives at both BOA headquarters in Texas and the local BOA branch at XXXX XXXX, XXXX, NY XXXX. I wanted to provide them with evidence of my purchase ( Attachment 2 ) and expressed my concerns. Unfortunately, my requests have been denied twice, and I have been informed that BOA intends to conduct its own investigation into the matter. However, the responses I have received have been unsatisfactory and have merely stated that I do not qualify for the {$200.00} cash rewards bonus ( Attachment 4 and 5 ). 

I am seeking the assistance of the CFPB to conduct a thorough investigation into BOAs invalid practice or potential fraud. It is my hope that your expertise and intervention can help rectify this matter and ensure that I receive the rightful {$200.00} cash bonus that I am entitled to. 

I am fully committed to cooperating with any inquiries or requests for additional information from your esteemed agency. Please feel free to reach out to me if you need any further details. 

Thanks so much for your attention to this matter, I am looking forward to hearing from you. 

Sincerely, Attachments : 1-5
Consumer complaint received 2024-04-22
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. (GA)

I recently received a copy of my credit report and noticed that I had fraudulent accounts and inquiries on my credit report. Please remove these accounts from my report they are hurting my ability to obtain credit. If not you are opening yourself up to litigation.
Consumer complaint received 2023-12-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (CA)

This complaint submission is in regards to a false credit report by ( CAVALRY PORTFOLIO XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ). I have made attempts to rectify this matter with them directly as they have now been unresponsive. I spoke with a representative who was both uncooperative and uninformative. The representative whose name is XXXX XXXX was extremely aggressive and stated they will not cooperate in a Debt Validation Request. The representative continued to deny my request on information regarding the account. I then made another attempt and I was finally provided with the Fax number and mailing address so I could forward them a Debt Of Validation letter. This Debt Of Validation letter which was sent twice on XX/XX/XXXX of 2023, was confirmed through FAX and CERTIFIED MAIL that the Supervisor had received the files by signature confirmation. At this point it is now XX/XX/2023, and after 30 days of notifying them, neither my Attorney nor I have received any response, or correspondents. I specifically asked for proof of the alleged debt and anything in signature or JUDGEMENT BY LAW stating I was obligated to pay them or falsely report a debt to the three major Credit Bureaus. They failed to return the requested information on the Debt of Validation Letter. I have never made any agreement with them nor the original creditor to pay anything, nor was I properly notified of this false reported debt. I am requesting ( CAVALRY PORTFOLIO XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ) to immediately remove me from their systems and update all 3 major Credit Bureaus specifically ( XXXX, XXXX, & XXXX ) on this action. They have failed to follow the guidelines which were all provided to them in the Debt Of Validation letter that supports the Fair Debt Collections Practice Act. In result, ( CAVALRY PORTFOLIO XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ) are violating my rights and are also causing financial hardship with this debt being reported. This false report by CAVALRY PORTFOLIO has prevented me from gaining access to any lenders due to Derogatory Marks on file. At this point they have failed to provide any competent evidence or any legal obligation and CAVALRY PORTFOLIO is currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g. If this report is not updated immediately to the 3 major Credit Bureaus, I will be taking legal actions and will immediately file a Civil Suit.