davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-11
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: Experian Information Solutions Inc. (PA)

A XXXX  ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated this thing in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or amend this account : XXXX XXXX
Consumer complaint received 2023-03-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (FL)

Cavalry portfolio services , LLC, has failed to provide any supportive documentation according to ; the Florida standard jury instructions of the state oXXXX XXXX XXXX XXXX XXXX XXXX  of such debt. There is two accounts currently reporting on my credit report that I do not recognize. An FTC has been filed.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 2023-07-31
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

One day I log on my account and I saw a charge in my account that I wasnt aware of and I called my bank they open up a claim and they credited it to my account and I want to sue Bank of America for false information they said I could keep the credit it wasnt gon na get take back but since whoever did fraud my account they send it back to them and now Bank of America owe me XXXX for not releasing my social security benefits to me for taking it they said I have to pay off the negative the put in my account for no reason I didnt ask for no one to do fraud in my account why I have to pay XXXX back Bank of America never informed me they was done with the claim they never reach out thru email or phone call I wasnt aware they was gon na take the credit and put me in a negative Im a XXXX mother and Im on XXXX and Bank of America been taking my check I get XXXX each month it been two months they took XXXX from me how do I get that back I need help
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, 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. (CT)

I am submitting this CFPB complaint for the fourth time to follow the dispute of the remaining fraudulent inquiries that are currently reporting in my Experian and XXXX credit files. Despite my 1st and 2nd attempts to have these errors corrected over the past several months, the fraudulent inquiries still remain. As a consumer protected under the FCRA, I have the right to accurate and up-to-date credit information, and I request to the Experian and XXXX Credit Bureaus that my rights be respected. It is unacceptable that these fraudulent inquiries continue to appear on my Experian and XXXX credit reports. Once again, it is obligatory that these fraudulent inquiries are fully removed immediately from my credit reports. I request the following inquiries to be promptly removed from my credit report : EXPERIAN : XXXX XXXX XXXX XXXX XX/XX/2022 XXXX : XXXX XX/XX/2022. I will again remind Experian and XXXX, that credit bureaus are required to investigate and respond to consumer disputes within 30 days under the FCRA. However, it has been over several months since I initially reported these issues, and I have not received a satisfactory resolution. This delay has resulted in significant financial harm to me.
Consumer complaint received 2022-11-03
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I looked up my name on the Internet, I found that some of my personal data was being used without my consent, and I filed a complaint. My information was obtained by an aggregation website, which instructed me to first read the website 's FAQ section before contacting roughly XXXX different websites to have my information removed. I felt violated because I respect my privacy, and I also felt ashamed since I had to ask to have my items taken. I want those accounts to be terminated and fixed since I found unapproved, fraudulent accounts on my report. Remove any false and derogatory accounts from my credit report. My capacity to get credit has suffered as a result of this. I'm taking all the necessary steps.
Consumer complaint received 2023-01-17
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. (NC)

I do not recognize this account. This is purely identity theft. This account damaging my good credit reputation! 

DELETE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

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 will never stop filing complaints against you because I know my rights! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.
Consumer complaint received 2022-12-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (KY)

I had an account thru synchrony bank for a Gap credit card, someone changed my address and charged XXXX worth of fraudulent charges to my card. I have been in contact with synchrony since XXXX 2022. They failed to do anything about the charges. They transferred the portfolio to XXXX XXXX  in XXXX. I have contacted them several times and have been told they cant help me. Synchrony and XXXX both say there is they can do to help. Please help me, this is impacting my life. I have always paid my bills on time and take pride in maintaining a great credit score. Thank you.
Consumer complaint received 2023-06-09
Product: Credit card or prepaid 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 (TX)

XX/XX/2023, XX/XX/2023 My credit card company is not protecting me from recent fraudulent practices by XXXX. 
I had filed several disputes with them indicating that XXXX was not fully refunding me the money I actually paid for the product even though they advertise " Free Returns '' at purchase. I have sent Discover proof that I was not refunded in full and there only response is that " we found the charge to be valid ''. They refuse to acknowledge that is not about a valid charge rather than it is about a refund that is less than what was paid. They have allowed the XXXX to give falsehoods saying merchandise was not returned in spite of me sending XXXX receipts. 
It is fraud to advertise " free returns no questions asked to bait Consumers into purchasing only to find out that the returns are not free. This is deceptive advertising by XXXX but Discover is complicit in the deception. Discover has refused to look at the clear evidence in front of them. Please assist. There are 2 other items that had a " free return '' statement at purchase. I will defer to those at a later date. 
To say that I did not return the merchandise and was not due any credit is absurd and has no merit. XXXX would not have refunded me had they not received the item back. Yet Discover allowed that statement to be used in their decision against me. As the refund clearly shows, I was charged {$99.00} and only refunded {$79.00} for an item that was advertised as " free returns ''. Please assist.
Consumer complaint received 2022-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

Card account was opened on XX/XX/2022 On XX/XX/XXXX, the annual membership fee of {$690.00} was added to my account. 
On XX/XX/2022, I made a payment of {$690.00} to my card account to cover the membership fee. 

My account was open for about only XXXX weeks before amex decided to close it, so I am requesting the full or pro-rated refund of annual fee since I didn't get to use my card for the full year. 

I contacted AMEX customer service, after learning that my account was closed, to request the refund and was told that the request to refund the membership fee has been initiated but no refund has been posted yet to my account Regards, XXXX XXXX
Consumer complaint received 2023-01-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

A gentleman on XX/XX/XXXX contacted my husband. This gentleman was pretending to be somebody from chase bank. Ask my husband if he made a purchase and XXXX  at a XXXX XXXX for over {$XXXX}. Prior to the call he received a text message asking if he authorizes this charge. And he said no the gentleman knew all of my husbands information such as address, phone number the last XXXX of his debit card. my husband has never dealt with fraud before, so not knowing what information to give out or not. When the gentleman asked for his pin number to confirm it to send out a new card my husband did. Shortly after I looked at our checking account, not feeling 100 % about the conversation with this gentleman. And noticed charges at a XXXX and a XXXX  gas station were starting to come out of our account. my husband did not receive XXXX single text message regarding these charges to authorize them. I dont know if this gentleman hacked into my husbands phone as he also hacked into our account to get our address and his last XXXX digits of his debit card. We contacted Chase immediately after being on hold with them for almost XXXX minutes. We finally spoke with a lady who was upset that Chase did not lock our account sooner. as now the charges were racked up over {$XXXX}. We explain to the lady what happened and she said that a temporary refund would be put on the account. When we did not receive the refund XXXX days later, I had called and the lady expedited it to get the refund right away since it was a couple days prior to XXXX and we had no money. we then received a letter on XXXX day saying that the funds were going to be withdrawn from my account because it was found that we authorized these transactions. We made a police report as well. I contacted Chase again gave him the police report number to contact them. We also contacted XXXX the day of the incident on XX/XX/XXXX and they did confirm a XXXX  came into their store and bought items totaling over XXXX}. And he used XXXX XXXX. Since he had my husbands pin number, he was able to do this. He also went to the gas station and made a few purchases there as well. As of today XX/XX/XXXX Chase bank took out all of the money that they refunded us. my husband contacted them and they said they found that we authorized the transactions because they sent us a text message and my husband replied yes. We not once received a text message from Chase. We received a fake test text message from the gentleman that called us to authorize the XXXX XXXX purchase. And when we put no to the response we got a message saying your fraud has expired. 
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
Consumer complaint received 2023-07-31
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: Experian Information Solutions Inc. (CA)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items. Thank you. 
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 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I have sent several letters to Experian to remove inaccurate information from my report. but they refuse to make the adjustments to my report, which is to remove the personal information that I want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. financial institutions arent supposed to share my information with third-partys. 

These are clear violations of my Federally protected consumer rights.
Consumer complaint received 2024-03-11
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: Experian Information Solutions Inc. (GA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. This account must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX  GAXXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$550.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX XXXX Balance Owed : {$640.00} XXXX XXXX Original Creditor : XXXX XXXX Balance Owed : {$110.00} 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  Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$250.00} XXXX XXXX Balance Owed : {$7900.00} Original Creditor XXXX XXXX XXXX XXXX Balance Owed : {$110.00} XXXX XX/XX/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 Balance Owed : {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-31
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: Experian Information Solutions Inc. (WI)

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance Owed : {$16000.00} XXXX XXXX Balance Owed : {$8100.00}
Consumer complaint received 2018-04-24
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY (CA)

Thank u cfpb for ur excellent work without cfpb financial institution will XXXX off the consumers and sadly and disgustingly this administration is doing only that which is allowing the financial industry to go back to cheating and XXXX off government and tax payers for their benefit please dont allow XXXX to distroy what president obama and XXXX XXXX did. 


Now my issues in a month of XXXX and XXXX I made purchase and return and some extra return so those extra returns should offset the remaining balance I have all of my recept and it doesnt make any sense why I still have a balance of {$26.00} I tryed the customer service but as usual the way they calculate is only to their benefit and i have to pay this so when I disagree they keep repeat what is in the statement so the represanative wasnt willing to listen to me kept cutting me off and just repeat the statements so I wasnt getting anything from her I hung up.
Consumer complaint received 2022-12-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

Received a refund in the form of a check for {$13.00} issued by Kohl 's for returned merchandise. Cashed check at my banking institution and later discovered that Kohl 's did not honored the check. It was returned and I was charged {$13.00} and {$10.00} service fee, totalling {$23.00}. I have tried contacting Kohl 's over the phone, in person, and email without any results. Check of {$13.00} was cashed approximately XX/XX/XXXX and returned on XX/XX/XXXX.
Consumer complaint received 2023-07-31
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. (WI)

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, NC XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-01-04
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: EQUIFAX, INC. (GA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-07-31
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: Experian Information Solutions Inc. (CT)

I have carefully reviewed my credit report in Experian. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I have had XXXX different accounts attempted to open under my name. I have been receiving urgent letters in the mail, and several different warnings regarding them. According to TransUnion, someone has attempted to view my credit via TransUnion XXXX on XX/XX/2022 from XXXX XXXX XXXX, CA. Another log in via TransUnion XXXX happened on XX/XX/2022 from XXXX XXXX XXXX, CA. A third account was attempted to be opened from XXXX XXXX XXXX in XX/XX/2022 from XXXX XXXX, WI. None of these were me, and the letters in which I had received in the mail were also from XXXX other separate banks. XXXX Bank, as well as XXXX XXXX. These have not showed up on my credit reports, but there were XXXX checks written from my name for the amounts of XXXX and XXXX dollars to accounts at each bank. I am just very overwhelmed and confused. I have requested a credit freeze and reported identity fraud, but am unsure of what else to do at this point to protect myself. I have no idea if there are more accounts that were opened that I dont know about yet, or what exactly to do.