davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE (IL)

Hello. Someone stole my debit card information somehow. On XX/XX/XXXX, someone made several purchases for XXXX XXXX and XXXX XXXX from my debit card. The total amount stolen was {$1300.00}. As soon as it happened, I called Huntington Bank to close the debit cards and report the fraud. I called them when the transactions were still " pending ''. They told me that they would look into my case and update me later. 

Two weeks later I got a notice saying that my fraud case was denied because I confirmed the purchases via a text message. However, I never confirmed those purchases. I did send Huntington the screenshot as proof that I did not confirm the purchases.

I called many times about this and even went into a local bank to talk about this issue. I spend so much time and effort into resolving this, but Huntington just does not want to help.

I have been a loyal customer for a long time and never had any issues with the bank. It makes me feel very upset that Huntington would " reject '' my fraud case because they are basically saying that I am making stuff up. It's not fair. I lost {$1300.00} and I will fight for my money.

Some things to prove that I did not make nor confirm the purchase : 1. I called THE SAME DAY to report the purchases ( while they still were pending ) 2. I canceled my debit card THE SAME DAY 3. I called Huntington a lot since then and asked them multiple times to reopen my case 4. I went in person to the bank to try and resolve my issue 5. I NEVER make purchases from a debit card. Those XXXX XXXX and XXXX XXXX purchases were THE ONLY purchases made from my debit card. Therefore, this should show the bank that the activity is suspicious and not done by me. 
6. I emailed the company multiple times 7. I was a long-time customer and NEVER tried to file a dispute before.

8. I do not have XXXX XXXX or XXXX XXXX accounts. 

Please, help me get my money back.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (VA)

I have disputed a bankruptcy with the three bureaus in the past few months. 

XXXX has deleted it. XXXX and Experian continue to report the bankruptcy. I have disputed with XXXX and Experian numerous times. XXXX will not let me dispute the bankruptcy again. 

I reached out to XXXX XXXX and they don't have a bankruptcy listed. The bankruptcy is currently in dispute with Experian. XXXX continues to reject my disputes as of Sunday. 

This should not be on my reports because it isn't mine. 

Thanks, XXXX XXXX
Consumer complaint received 2021-01-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (WI)

On XXXX XXXX, I sent money to a person for a product that I was scammed for and never received the item. I was sent an invalid/fake tracking number but CashApp declined my claim and my bank is saying that I used a P2P merchant service even though I claimed item not received
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

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 2023-12-05
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)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-12-05
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. (VA)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (NJ)

I am writing to formally demand the immediate removal of the erroneously reporting trade-line listed on my consumer credit report by Wells Fargo , as they are infringing on federally protected trademark rights. It has come to my attention that the negatively impacting account your company is erroneously reporting is being reported without proper authorization, consent, or licensing. The name on the account is a federally protected trademark, protected under the United States Patent and Trademark Office ( USPTO ), under the serial number XXXX. The presence of this name on my credit report, associated with negatively impacting items, constitutes a misuse of this trademark. Such actions are not only misleading but also illegal as they violate federal trademark laws including the Lanham Act, which prohibits unauthorized use of a federal trademark in a manner likely to cause confusion, deception, or mistake ( 15 U.S.C. 1114 ). Please be advised that the continued use of this trademark or any similar markings without explicit permission from the trademark holder constitutes an infringement of trademark rights. Failure to remove the inaccuracies from my credit report will compel me to pursue all legal remedies available under the law. This may include, but is not limited to, seeking monetary damages for defamation and further misuse of the trademark as per established precedents like XXXX XXXX v. XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ), where unauthorized use of a trademark was held as grounds for trademark infringement and associated damages. I trust that you will treat this matter with the urgency and seriousness it warrants. Please ensure that these items are removed from my credit report within 30 days from the date of this notice, as prescribed by the Fair Credit Reporting Act ( FCRA ). Should this matter not be resolved promptly and according to the legal stipulations mentioned, I will have no option but to seek legal recourse to protect my rights and recover damages for any harm caused by this infringement. I expect to receive a written confirmation from your agency within fifteen ( 15 ) business days regarding the initiation of the items ' removal. Thank you for your immediate attention to this grave matter of concern.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KY)

Explain this XXXX XXXX XXXX  XXXX .... Projected completion date : XX/XX/XXXX  XXXX XXXX XXXX XXXX .... Projected completion date : XX/XX/XXXX  XXXX XXXX XXXX XXXX Projected completion date : XX/XX/ XXXX XXXX XXXX XXXX. 
Projected completion date : XX/XX/XXXX  XXXX XXXX XXXX XXXX .... Projected completion date : XX/XX/XXXX  XXXX XXXX XXXX XXXX .... Projected completion date : XX/XX/XXXX  XXXX XXXX XXXX XXXX .... Projected completion date : XX/XX/XXXX  XXXX XXXX XXXX XXXX .... Projected completion date : XX/XX/XXXX  XXXX XXXX XXXX XXXX .... Projected completion date : XX/XX/XXXX   XXXX XXXX XXXX  XXXX .... 
Projected completion date : XX/XX/XXXX  XXXX XXXX XXXX  XXXX .... 
Projected completion date : XX/XX/XXXX  XXXX XXXX XXXX XXXX Projected completion date : XX/XX/XXXX  XXXX XXXX XXXX XXXX .... 
Projected completion date : XX/XX/XXXX  XXXX XXXX XXXX XXXX .... 
Projected completion date : XX/XX/XXXX  XXXX XXXX XXXX XXXX Projected completion date : XX/XX/XXXX  XXXX XXXX XXXX  XXXX .... Projected completion date : XX/XX/ XXXX XXXX XXXX XXXX .... Projected completion date : XX/XX/ XXXX XXXX XXXX XXXX .... 
Projected completion date : XX/XX/XXXX  Do your job you tried to shove this up your XXXX But you need to finish the job on these XXXX  dispute you disgusting piece of how you sleep at night I cant cant sleep because of this XXXX  that have XXXX me the XXXX off Experian refused to remove or comply or follow rules regarding filing a dispute because Im XXXX is discrimination based off my gender is discrimination. What white woman filed to have her student loans removed and they was removed This is an ongoing issue, and somebody need to pay This is the only information I have regarding the prior dispute the law dont require me to keep on Filing disputes on the same credit issue but the law requires Experian to do there XXXX job with out being XXXX or targeting certain minorities, based off their race and gender The CFBP needs to investigate this company. Im going to make sure that this issue was escalated. Im gon na make sure that somebody is fired and unable to hold another position in the credit bureau companies.
Consumer complaint received 2021-01-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (OR)

XX/XX/XXXX there was fraudulent transactions to the amount of {$400.00} and on XX/XX/XXXX another total of {$730.00} was fraudulent transactions made as well with out my permission!
Consumer complaint received 2024-05-19
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. (NY)

I have reviews my consumer report and I notice that I have 2 late payments that I have never late for the consumer agency have assumed a vital role and have responsibility to report consumer information to their best of their ability with maximum accuracy I have never been late on payment for the account that I have had including screen shot of this complaint and of dates of XX/XX/year> and XX/XX/year> please investigate and provide provide of late payment. If prof cant be provided I demand paid on time. Thank you please see screenshot
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (KY)

The only name that should be on my credit report within this printed format is XXXX XXXX XXXX Stop placing my name backwards to commit inside fraud to mislead or misrepresent my personal information false inaccurate name is simply opening the door for fraud to occur and is fraud by employers and managers not verifying addresses before being placed on credit reports CFPD need to fire people of Experian for inside fraud the employee and manager entering in false addresses linked off of real legal property addresses to consumers credit report is fraud I have solid evidence my personal credit report I just disputed the false made up addresses when I filed the dispute in XXXX  Experian also refused to remove one other address XXXX is the beginning of the address on my account linked to an apartment of someone I know and have no contact with As a way to verify my Experian account without the consent of I or the other person this should not be allowed and is forced by Experian against my personal will rules need to be set to stop this usage to identify consumers
Consumer complaint received 2023-12-07
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: JPMORGAN CHASE & CO. (WI)

XXXX XXXX I became a Victim of Identity Theft. I notified Chase on XXXX XXXX, 2023 I was a victim of Identity Theft and I did not authorize a transaction of {$1200.00}. XXXX XXXX, 2023 I completed a police report and final narrative by the reporting officer and submitted to Chase. XXXX XXXX, 2023 I received a fraud alert text from Chase regarding charge and asking me, " Is this you? ' I replied, " NO. '' XXXX XXXX I received an email from Chase stating my credit card was successfully unlocked, per my request. I replied, " I didn't want it unlocked, I want it locked, I am a victim of Identity Theft, I need my account/profile/card Locked. Chase is saying the IP address used to complete the transaction is my IP address. I did a search on the IP address Chase gave me and the message showed : this site can't be reached, ERR-CONNECTION_FAILED. I submitted my IP address, which is NOT the one they said is mine. I provided complete documentation according to dates, transactions, name fraudster used, dates fraudsters attempted transactions, email addresses fraudsters were using to make transactions, phone # 's fraudsters were using, I provided Chase with dates & types of cards fraudsters were opening up in my name, I provided several information with dates fraudsters were using my name to apply for several types of loans, I can not believe this has continued since XXXX, 2023 with all the information/documentation and Police Report I provided. I also, forwarded an email from the Reporting Officer where he said, " I made it clear you are the victim. '' Chase continues to allow this transaction, which is making me more vulnerable and many other people by accepting this transaction from fraudsters.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (GA)

I am writing to file a formal complaint against XXXX XXXX XXXX Bank regarding several discrepancies and issues that have negatively impacted my credit report. The details of my complaint are as follows : XXXX. **Multiple Accounts Reported on Credit Report** : I have discovered a total of XXXX accounts reported on my credit report from different variations of this comapays name or affiliated companied ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX etc ). Some these accounts appear to have been initiated by XXXX XXXX XXXXXXXX XXXX without my consent . 

I am unable o provide account numbers and specific information about these accounts due o the fact that they have limited information listed on my credit profile XXXX. XXXX XXXX XXXX : I am aware of XXXX account, a XXXX XXXX Account XXXX which I opened and have since paid in full and closed. During the tenure of this account, I was offered a secured credit card. 

XXXX. **XXXX XXXX XXXX XXXXXXXX : The secured credit card was funded by pulling money from my XXXX XXXX Account XXXX Over time, as I made payments, I chose to have the funds moved to the XXXX  credit card fund. Upon paying off the XXXX XXXX Account in full, all the funds were transferred to the secured credit card. I was informed by a XXXX XXXX associate that I would not receive a payout because the money would be applied to my XXXX credit card. 

XXXX. **Late Payment Reporting** : Despite the funds being applied to my XXXX credit card and my XXXX XXXX Account being paid in full and closed, I am still receiving late payment notices for this XXXX  card in which i was also told was closed. This is highly confusing and unjust, considering I was led to believe that all payments were up to date and correctly managed. 

I am requesting an immediate investigation into these matters. The incorrect reporting of multiple accounts that I did not open is a serious issue that requires rectification. Additionally, the mishandling of my XXXX credit card funds and the erroneous late payment reports are damaging my credit score and financial reputation. 

Furthermore this company has also violated my rights under the FCRA. 
15 US Code 1681 section 602 15 US Code 1681 section 604 section 2 15 US Code 1666b I would like the late payments removed and account agrees to Paid as agreed, never late
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-07
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A. (NY)

I had a credit account with citi and someone used my card and had a payment on my card. I filed the dispute aganist that payment and it the only payment on my card. The investigation was undergoing and they reported the late payments on to my credit report and marked and it hurted my credit so bad. All my major credit companies are closing my account. My account was paid full by bank after finding out the dispute and they took off all the charges and I had XXXX amount one me but they closed my account and still have the late payments on my credit. I have no idea where to go and fix. I never had any late payments on my credit.
Consumer complaint received 2024-05-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (NY)

I have sent this company cease and desist this company has refused adhered to the federal guidelines by ignoring my request in my attempts to resolve this matter the company has also been found to impose as a collection agency when is listed that this company is not legally bonded and or insured to collect in the state of New York please have this company seize all collection activities this is my last attempt to complain outside of court
Consumer complaint received 2023-09-01
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. (GA)

I am formally request to dispute the accuracy of information on my credit report, specifically regarding the reporting of late open accounts and Bankruptcy. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this dispute within 30 days and inform me of the results. I expect your prompt attention to this matter and a swift resolution. I assume for your immediate assistance to correct or remove the following accounts and Bankruptcy : XXXX XXXX XXXX Balance Owed : {$2100.00} - I do not believe I was late on the dates you are reporting. Please report the payment status positive and update all late from reporting on this account. 

XXXX XXXX XXXX  Balance Owed : {$1000.00} - Evaluate this reporting by revising the information provided. Modify and perform any corrections or update this from my file. 

XXXX XXXX Bankruptcy Reference # : XXXX - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. And it should no longer be reported because it is past the 10 years statute of limitations that a credit bureau can report. Please update the filing date and then remove it.
Consumer complaint received 2024-05-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: JPMORGAN CHASE & CO. (GA)

Chase Mortgage Account # XXXX I reached out to Chase Mortgage bank about a XXXX months ago in reference to them removing late payments on the account since the account had been paid in full, they refused to do so. I have never not paid the mortgage. My ex-wife and I both had to make two separate payments on the mortgage recommended by the courts until it was sold. My ex-wife was late making her payments a few times which ended up counting against me as well. Chase refused to honor the payments made on-time because she was late on her portion. I explained to Chase Bank that I was going through a divorce and informed them that there would be two separate payments made monthly from my ex-wife and myself. I am not allowed to purchase a new home because of these late payments that I had no control over. Please have this account removed asap. Thanks! I put in for a dispute about this some months ago and nothing has yet to be removed. According to 15 USC 1692c ( c ), these late payments must be removed.
Consumer complaint received 2024-05-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P. (KY)

I sent a letter via XXXX, certified with return receipt to this company asking for debt verification/validation/purchase agreement from original debtor. In the letter, I advised this company to only communicate with me via mail. They have been calling and emailing me daily. Over and over. They started emailing and calling me before even verifying any debt owed, which is a violation in itself. Theyve received my letter and still continue to email and call me, after I told them not to. They are in violation of the law and I have records to sue.