davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (PA)

I believe that LexisNexis Consumer Center has incorrect information about my driving record, as a result, all insurance agents have raised my rates. Previously in XXXX and XXXX, I was with XXXX insurance. During those years, I was involved in 2 accidents on XX/XX/XXXX and XX/XX/XXXX. Both were not my fault, yet somehow they were registered with LexisNexis as my fault. I did not receive my consumer report yet, but I know they have the incorrect information because I verified with XXXX recently that these accidents were not my fault ( letters are attached ). Moreover, I tried to get an insurance quote and all of them say that I have at-fault accidents in my name for the dates listed above ( example quote is attached ). I believe LexisNexis has the wrong information, and as a result, I can not find affordable car insurance. Please help me correct this record. All of my attempts to contact LexisNexis has just led to forums telling me to report any grievances to the CFPB. Even XXXX, which has on record stated that these accidents are not my fault, are charging me AS IF THESE ACCIDENTS WERE MY FAULT, and this is all because they are getting this information from LexisNexis.
Consumer complaint received 2023-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (FL)

Issues with Chime banking : on Saturday, XX/XX/XXXX a payroll check was deposited via mobile deposit in the amount of {$690.00} - the check was accepted without immediate notification of the funds being held or the option to cancel the deposit due to fund a being held ( for instance - if I had known they were going to hold the funds I could have gone to the bank the store utilizes ). Upon calling Chime I was informed that since they accepted the check it would be held until XXXX to ensure the check doesn't bounce. On XXXX deposited another paper check via mobile deposit for {$930.00} again, the check was accepted without notification of funds being held- until after the check was accepted while waiting for the direct deposit to begin on XX/XX/23. Again, the payroll check is being held. I have called Chime twice now, the first time I was told they hold 30 % of checks deposited via mobile deposit are subject to be held to accept more checks via the app. When I called the second time regarding the second check Chime claimed that the payroll provider did not have the bank name on the check, they do, it is a local bank called XXXX XXXX. Chime is holding nearly {$1700.00} in payroll funds. Chime stated they have accepted my check but claimed it is a system issue and no one can simply call the bank to verify funds. They also told me the only way to access my funds would be to have the owner put a stop payment on both checks and reissue another check that I then could take to another bank. Meanwhile, I can not access the funds.
Consumer complaint received 2023-10-31
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. (NJ)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-25
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. (NJ)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX 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 2023-06-11
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)

I recently pulled a copy of my consumer report, and noticed that there was an account with The XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, I have contacted the company requesting documentation that they sent a notice out to me, requirement of the FDCPA, because I do NOT owe this alleged debt to them. I informed them that they have violated my federally protected consumer rights, violated federal law- FCRA and FDCPA and committed criminal attacks against me. 

As required by the requirements of the FCRA, furnishers and reporting agencies both must use reasonable procedures, which the CRAs did not do prior to placing this fraudulent account on my consumer report. The inaccurate reporting on my consumer report is also a violation of the FCRA 's requirements of accuracy. 

In addition to the violations committed by the company, the CRAs are just as liable because they did not uphold the requirements of federal law in using reasonable procedures in investigating my disputes, ensuring maximum accuracy and confidentiality. The CRAs conspired with the company to cause financial damage to me.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2023, I mailed a notice of inaccurate reporting to JPMCB for furnishing information on my consumer reports that IS FEDERALLY NOT supposed to be visible. 

Specifically, a charge off and negative remark. As outlined in the Fair Credit Reporting Act, specifically 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report DOES NOT include report solely as to transactions or experiences between me and the person making the report. A charge-off is considered income, transaction history, and an experience between me and JPMCB and may not be furnished pursuant to the above mentioned law. 

It is now XX/XX/2023, over 30 calendar days from notice and delivery and I have not received any response from JPMCB or change on my consumer report.
Consumer complaint received 2023-12-06
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Transform Credit Inc. (GA)

My XXXX credit report shows this unauthorized loan that i never received of {$3100.00}. from a Transform Credit Inc., XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX. ( XXXX ) XXXX, XXXX # XXXX opened on XX/XX/XXXX  and closed on XX/XX/. This account is fraudulent and has a fraudulent address of XXXX XXXX XXXX, XXXX GA XXXX in which i never lived at. I have contacted the company by telephone and email to remove this erroneous account from their records and my XXXX credit file.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

This is my 17th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXXXXXX XXXX Please investigate this account, there are several inaccuracies amongst Experian and XXXX which shows this account was not validated through the E-oscar system or bureau agent. How is it possible for one account to show information that is not identical on both bureau accounts?

Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete. This hurting my credit profile and is a violation of my consumer rights. Please delete this account immediately.
Consumer complaint received 2024-01-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: MONEY SOURCE, INC., THE (MO)

Since XX/XX/ i put a compliant with THE MONEY SOURCE INC . I requested a escrow refund via electronic/ACH refund compliant number XXXX and NEVER received a phone call directly from THE MONEY SOURCE INC,
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FactorTrust, Inc. (TX)

I am writing to bring to your attention the serious infractions committed by FactorTrust , Inc regarding the accuracy and privacy of consumer information, as mandated by the Fair Credit Reporting Act ( FCRA ). This issue needs immediate attention and resolution to prevent further harm to consumers. 

Based on the information provided, it is evident that FactorTrust, Inc is not reporting accurate information, a violation of [ 15 USC 1681e ] ( b ). This statute requires consumer reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of information pertaining to individuals in the reports they prepare. 

Furthermore, FactorTrust , Inc is in direct violation of [ 15 USC 1681b ] ( a ) ( 2 ) of the FCRA, which permits consumer reporting agencies to furnish consumer reports only in accordance with written instructions from the consumer whose information is being reported. I would like to emphasize that I have not granted authorization to anyone to access my private and confidential records, including the information that your agency is currently reporting. 

These transgressions directly infringe upon my rights as a consumer, particularly my right to privacy, as outlined in [ 15 USC 1681 ] ( a ) ( 4 ). It is crucial to ensure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for consumer privacy. 

To rectify the aforementioned violations, I humbly request that you take immediate action to delete the erroneous items specified in the attachment from my consumer file within your agency. Failure to comply with this request will leave me with no option but to pursue appropriate legal action. 

I want to draw your attention to the seriousness of these violations. Identity theft is a grave offense, and these actions can be classified as aggravated identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). Knowingly transferring, possessing, and utilizing someone's means of identification without lawful authority is a felony punishable by up to two years of imprisonment, in addition to civil liability.
Consumer complaint received 2023-10-31
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. (NJ)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-21
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report. XXXX XXXX XXXX Balance Owed : {$920.00} ; XXXX XXXX XXXX Balance Owed : {$800.00} ; XXXX  XXXX XXXX Balance Owed : {$490.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$2100.00}.
Consumer complaint received 2024-01-25
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (LA)

XX/XX/2023 I submitted a payment of {$69.00} through my bill pay service on my bank account - XXXX XXXX Bank to XXXX XXXX. 
Funds were debited from my account. 
I provided proof of payment and funds being debited from my account. 
However, they continue to claim they can not find my payment and I am still responsible for this payment. 
I have been contacting them concerning this incident try to resolve it since XX/XX/2023 with no resolution. 
I have provided all documentations they asked for directly from XXXX XXXX Bank. 
They continue to tell me it is under investigation, however I am continually being charged late fees of {$30.00} per month.
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

On XXXX I submitted a dispute letter to Experian stating that this alleged account is not only reported as a opened account but also shows a balance but to also send me proof that the alleged debt is my debt also I know that its illegal for any credit agency to report a closed account as open and show a balance and this is a violation with the fair credit act and is also a violation with the requisite Metri 2 complaint
Consumer complaint received 2024-01-25
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 (NJ)

My phone was stolen and hacked in XX/XX/2023 and used to purchase items at an XXXX XXXX in XXXX XXXX  using the credit cards I had on XXXX XXXX at the time. Discover initially removed the charge from my balance as fraud but ultimately completed an investigation to conclude it was not fraudulent and added the transaction back to my balance. I have spent the last 8 months disputing this charge speaking with several representatives and sending additional support after each interaction in full cooperation with Discovers policies. This support includes ( 1 ) evidence I purchased a new phone, ( 2 ) the email from Discover asking to confirm a separate transaction on the same day with the same merchant but a different amount that they suspected to be fraud to which I confirmed the charge was fraudulent and cancelled my card, they did not send a notification asking if this transaction in question was fraudulent ( 3 ) evidence of my other credit card concluding a similar purchase from the same vendor on the same day was fraudulent ( 4 ) evidence I boarded a flight to XXXX prior to the transaction date and evidence I boarded the return flight after the transaction date ( XXXX ) evidence of my credit fraud reports submitted to XXXX, XXXX and XXXX ( XXXX ) evidence an XXXX XXXX  was opened using my stolen phone without my knowledge and the closing of that account and XXXX and XXXX XXXX XXXX XXXX XXXX. As well as numerous additional forms of evidence requested by the representatives to support my case. 

With each interaction I was assured the additional evidence would prove my case and I should not need to pay the balance as it will swiftly be resolved. Today I was greeted with disrespect and accusations and the representatives bluntly informed me there is nothing I can do and that I am fully responsible for this fraudulent charge regardless of the evidence I have submitted.
Consumer complaint received 2023-09-21
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. (NJ)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (CT)

I checked my credit score XXXX, as I do nearly each day and noticed that there was a balance of {$17000.00} associated with a Barclays Bank credit card that I have never had in my possession. My credit score also dropped significantly because of this. I immediately contacted Barclays Bank. They searched my accounts and showed that there is a XXXX balance, and they didn't see a {$110000.00} charge on the other card associated with them and that which is showing up on XXXX XXXX. The card associated with this fraudulent and suspicious activity is BARCLAYS VIEW MASTERCARD. Barclays suggested that I contact my financial and reporting institutions immediately to report this, which is what I am doing at this moment.
Consumer complaint received 2023-12-06
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (FL)

I leased a car through American Car Care Center. I never received any notice stating American Car Center was going out of business or filing bankruptcy and another company will be taking over. Around XX/XX/XXXX, I started receiving calls from a company name Westlake Financial. Because I have been a victim of someone stealing my identity, people from another country was calling me asking for my bank card/credit card for payment, I refused to provide my personal information mainly my bank account information. I requested written correspondence by mail but I was never sent the information. Also, American Car Center verified my information many times prior to them going out of business and sent me correspondence by mail but no letter regarding them going oit of business. I found out that American Car Center went out of business when XXXX XXXX told me and I called them at XXXX to pay my car note but I got a phone number is no longer in service message. I never heard of Westlake Financial until they started calling requesting payment. They repossessed the car in XX/XX/XXXX, and although I no longer have the car, they still have it in my name the last time I checked ( my licenses where suspended but the State fixed it ) and the State if Florida checked and I tried to get them to resolve the issue but I have been unsuccessful. I believe they are committing fraud.
Consumer complaint received 2024-01-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (NM)

I hope this letter finds you well. I am writing to dispute an account that I believe to be fraudulent and associated with your services, as it has appeared on my credit report. I kindly request that you investigate this matter promptly and take the necessary steps to remove the fraudulent account JPMCB - CARD SERVICE XXXX from my credit report. I am taking immediate action to address this issue by disputing the account 's validity.
Consumer complaint received 2023-07-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

On XX/XX/2023, I received a call from someone claiming to be XXXX  XXXX XXXX and even called from a known XXXX XXXX XXXX number. The person claimed that fraudulent charges were taken out of my account and the way to reverse it was to send " fake amounts of money '' to the bank, who would then reverse the charges. They did this for accounts from XXXX  XXXX XXXX and XXXX through Zelle. Amounts of {$890.00} and {$330.00} were taken from Bank XXXX XXXX Account and {$890.00}, {$490.00}, and {$490.00} were taken from XXXX account. I called XXXX  XXXX XXXX who helped me file a claim but said that there were no guarantees that I would be refunded my money and I XXXX not hear from them until 45 days. I also called XXXX who transferred me to Zelle. Zelle said that they were unable to make a claim on behalf because Zelle 's terms and conditions state that since I authorized it, I can not get my money back. I have made complaints to the FBI internet crime complaint center. Have tried speaking with my financial institutions and contacted my local authorities.