davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX routinely checked my business account and see wire transfer. I immediately called Chase Fraud Division to report the XXXX that I never wire transfer and not to wire transfer. They ignored my instructions and wire transferred {$9800.00} to XXXX XXXX and then on XXXX once again wired to XXXX XXXX XXXX to a XXXX XXXX {$13000.00}. They fully acknowledged my calling them as they have it recorded. The funds came out of my Chase business account # XXXX. The investigation for the {$9800.00} is XXXX. The investigation into the {$13000.00} us XXXX. Now since this all began I have been told that there is no record of this matter ; no recording ; no claims filed and I have often been brought to tears. Finally I was told that Chase has requested the money from the receiving banks but they refuse to release it because the person who was supposed to get my money won't agree to return it! At this point I withdrew all of my accounts, everything they had of mine. I have repeatedly called and lied to -- they simply don't care. FYI my husband XXXX  on XXXX from XXXX XXXX XXXX XXXX Unbeknownst to me he cancelled everything we had. He left me XXXX  to live on so therefor at XXXX XXXX XXXX soon to be XXXX I work full-time as a realtor ; that is the only way to survive. For sure U can not live on his XXXX  of {$2200.00} a month. The {$23000.00} that Chase has stolen from me us a huge amount. Also in the way they have mistreated me. Every single phone call I am lied to ; and they refuse to take responsibility for what they did when I instructed them not to. Please, please help me.
Consumer complaint received 2024-10-18
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. (FL)

I am writing to dispute an unauthorized inquiry that appears on my credit report. I did not authorize this inquiry and believe it may be a result of identity theft or an error. 

Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NC)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report
Consumer complaint received 2023-09-11
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: AMERICAN EXPRESS COMPANY (TX)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-09-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (FL)

On XX/XX/2023 I attempted to transfer {$7.00} ( as shown as my available balance ) from PayPal to PayPal Credit as a payment. I received a confirmation email shortly afterwards. 

On XX/XX/XXXX, I received an email from PayPal stating that my payment has been " returned '' without any exact reason and said I'd be " charged a return check fee of up to {$27.00}. '' Now the transaction doesn't even appear in my PayPal activities and they have stolen the {$7.00} as it doesn't appear anywhere now. 

When I attempt to resolve the issue with PayPal, their " Customer Service '' is non existent. I waited over *4 HOURSXXXX on hold with no answer. This is an unacceptable way to conduct financial transactions.
Consumer complaint received 2023-06-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (MD)

I received a bill in the amount of {$1500.00}. from a company called ERC stating that they are trying to collect a debt owed to XXXX XXXX XXXX. I have never had any account or accounts with XXXX XXXX XXXX. The reference # XXXX was provided by ERC, XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX.
Consumer complaint received 2023-08-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (CA)

Ally Invest promised to pay me a {$100.00} incentive if I open an account with them and make 3 or more regularly recurring deposits into my new account. I did exactly that, around the beginning of this year. Even though I met all the qualification, and they confirmed that I have met the qualification, after so many chats and emails where they promised " oh your bonus will come soon don't worry '', I still have not received the {$100.00}. I have used so much time and energy on this over the last 3 months and now it's getting ridiculous. They just keep saying the same thing, keep giving me empty promises.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2024-10-18
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. (MI)

I am filing this affidavit to report five fraudulent accounts on my TransUnion credit report that I do not recognize and that are the result of identity theft. The details are as follows : Fraudulent Accounts : Collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand the removal of these fraudulent items from my TransUnion credit report and that all collection activities related to them cease, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

This complaint is also submitted pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), requesting that TransUnion block the information resulting from identity theft within four business days of receiving this complaint.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

A FCRA infringement alludes to an infringement of the Fair Credit Detailing Act ( FCRA ), which is a government regulation that directs the assortment, spread, and utilization of customer credit data. You're supposed to guarantee 100 percent accurate data on my credit reports. I've endured harm because of this FCRA infringement Im entitled to compensation for this violationwhich I would prefer in the form of DELETIONS otherwise I'll have to forward it to my legal counsel. These accounts listed in my letter are not 100 % correct and I demand them to be REMOVED immediately.
Consumer complaint received 2024-09-17
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. (FL)

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. 

XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; These accounts have violated my rights.

15 U.S.C. 1681 section 602 ( a ) ( 4 ) states the consumer has the right to privacy.

15 U.S.C. 1681b section 604 ( a ) ( 2 ) states : a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information of 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 2024-10-18
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. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-09-11
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. (PA)

To Whom It XXXX Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XXXX Date of inquiry XX/XX/XXXX XXXX. XXXX  Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry XX/XX/XXXX XXXX. XXXX  Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX Date Of XXXX XX/XX/XXXX Please remove it from my credit report
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: STATE EMPLOYEES CREDIT UNION (NC)

I XXXX XXXX examined my credit report and found that a late payment dated XX/XX/2023 from State Employees Credit Union. According to law Title 15 U.S. Code 1681 ( 2 ) ( a ) ( i ) ; Rule of Construction, it states a " " consumer report '' does not contain information solely as to transactions or experiences between the consumer and the person making the report ; ''. A credit note or a late payment is considered a transaction ''. 

Account Name : State Employees Credit U Account Number : XXXX Please Remove this Credit note/transaction. It is illegal and it is affecting my credit worthiness. I never signed my wet signature nor gave State Employees Credit Union written instruction to report information to the credit bureaus.
Consumer complaint received 2023-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I request that you eliminate the erroneous late payment from my account. Given my track record of timely payments, it is unjust for me to be penalized for an error that is beyond my control. I respectfully urge you to update my account with the accurate information as soon as possible.
Consumer complaint received 2023-09-11
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. (TX)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-12-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FlexShopper, Inc (MD)

XX/XX/ noticed an entry on my credit report from XXXX XXXX XXXX XXXX for a Flexshopper account in the amount of {$1700.00} XX/XX/ contacted XXXX XXXX XXXX XXXX XXXX phone to request debt validation XX/XX/ mailed a debt validation request to XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/ called XXXX XXXX XXXX XXXX XXXX inquire about letter XX/XX/ still have not received debt validation
Consumer complaint received 2024-04-25
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: TD BANK US HOLDING COMPANY (NJ)

I have been a customer with TD Bank for sometime and keep a relatively sizeable amount of money in my account. On XX/XX/24 I applied via the app for a personal loan and was immediately denied. The reason given was because they could not verify my identity. I called the customer service line and was told I needed to go into a branch and fill out a form and present my ID. I went into my local branch ( XXXX, NJ ) and the representative was unsure of the form and called the XXXX #. I was given the phone and spoke to a different rep who told me the issue was that personal information from XXXX report may not have been matching the info on my application and to call XXXX and go over my personal info. I did that, about a week later I went into a branch to proceed to fill out the same form I was told to fill out before. The rep there was again confused and needed to call the XXXX # to confirm what was needed. I completed the form, the rep document my identification, and told me to wait a few days and check to ensure the form was processed and I should be able to go back on the app and re-apply. I applied today and received the same denial and contacted the customer service line and received the same answer " something on my XXXX report is not matching '' I explained that I spoke with XXXX and cleared any discrepancies per TD 's suggestion and this result is still the same. The rep was pleasant but could not resolve my issue as I have now done EVERYTHING TD has requested. At this point I am getting a run around from an institution I hold several products with. Additionally I applied for this same loan in XXXX and was approved however the application was canceled as I did not upload my documents in time due to being hospitalized for an illness. Nothing from the XXXX report changed from XXXX to XXXX so how is it now that I went from being approved to not being able to verify my identity?
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK (CT)

My purpose in writing is to raise my concern about the genuineness and precision of this specific account mentioned on my credit report. Approximately a month ago, I submitted a request for an investigation since I suspected that a certain item was being inaccurately reported. However, I never received any type of response. I kindly request you to elucidate the process of your investigation and furnish me with details on your method of verification. I need to emphasize that I have been a victim of fraud, as I never had a Discover account. Furthermore, the inaccurate fraudulent and incomplete information you reported has caused me immense emotional distress. 

Please include the following details in your response : Please explain what your representatives uncovered to lead them to believe that the item ( s ) were being reported legally.

What certified documents were reviewed to conclude your investigation?

Please provide a complete copy of all the information that was transmitted to the data furnisher as part of the investigation.

What was the cost incurred by your company to obtain the documents needed to complete your investigation?

Please provide proof of your timely procurement of certified documents.

Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? If yes, please provide details such as the name, position, date, and duration of the conversation, as well as the telephone number called, and the name and position of the employee who spoke directly to the above party.

Provide copies of all correspondence and any conclusive documentation to prove that you have conducted a reasonable investigation of the account in question.

Provide the date of the commencement of delinquency.

Please provide the specific date on which the items will cease to be reported.

I kindly asked for a notarized affidavit to validate the accuracy and truthfulness of the provided information, in accordance with my civil rights protected by various federal laws. It is important to emphasize that a generic response letter will not suffice. If you are unable to promptly provide all the required details as outlined in multiple laws, including but not limited to the Fair Credit Reporting Act, I hereby insist on the immediate and permanent removal of this entry from my credit report.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information must be provided within fifteen ( 15 ) days of the completion of your investigation.
Consumer complaint received 2023-09-11
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. (FL)

{$800.00} balance for XXXX XXXX dated XX/XX/2023. 

I have never had XXXX ever. 
I disputed with credit karma and XXXX, and they say the information reported is correct but that is impossible I have never had XXXX. I asked for proof, and they did not give proof I only wanted to see what they were given that served as enough proof to keep a fraudulent account on my credit report. Please help with this They won't give me any information to use for the court shall the need come. This is the third time I disputed with Credit Karma and once with XXXX XXXX.
Consumer complaint received 2023-09-11
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (MO)

I completely paid off the balance shown and closed the account on XX/XX/XXXX. According to their customer service, a {$2.00} late fee was charged to the account after I already paid off the entire balance shown. Due to paperless statements in order to see this I would have had to logon to the account to see this new charge. Since I closed the account I never thought to go look for charges after the fact. Therefore more late fees got charged on top of the {$2.00}. I did not realize this till now when it is at {$6.00}. They refused to take the charges off the account even though I would have never known this charge was accumulating after I paid off the account and closed it. This is ridiculous. Once an account is paid and closed there should not be more charges added. The {$2.00} late fee should have been included in the balance when I went to pay off the account.