davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-05
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. (AZ)

JP Morgan  Chase bank reversed fraud on my account. Below is the letter they sent to me. I have never shopped at  XXXX . I had my bag stolen that had multiple credit cards and my passport and DL in it.  XXXX  immediately stoped any charges because they thought there was fra ud. Chase however did not. I am disputing a charge of someone shopping at   XXXX  in North Carolina. Below is what they sent to me.     Dear  XXXX   XXXX   XXXX , Thank you for contacting us about the following transaction (  s )  : Date posted :    XX/XX/2017   A mount : {$260.00} During our research we found that the merchant provided the product or service you were charged for. That means the charge is valid, so we will reverse the temporary credit we issued to your account. We consider this case closed.     Please contact us anytime with questions or concerns. We are here to help and are committed to providing you excellent service.     If you require further assistance, you  may  contact us at  XXXX   International c ustomers please call  XXXX . Our Customer Claims Analysts are availabl e 24  hours a day, 7 days a week.     Thanks for banking with  Chase Customer Claims Specialist  Claims Department Number  XXXX
Consumer complaint received 2023-01-01
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: EQUIFAX, INC. (CA)

In accordance with the fair credit reporting act XXXX  US DEPARTMENT OF EDU XXXX has violated my rights. 

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

- 15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2023-03-14
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

This is my XXXX attempt to dispute the information in my credit file which resulted from alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant to FCRA section 605B ( a ) ( 1 ) ( 2 ), you are required to remove any information in my file that resulted from alleged identity theft, not later than XXXX business days after the date of receipt within ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. 
XXXX XXXX XXXX XXXX : {$11000.00}
Consumer complaint received 2023-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

A customer sent us a check for payment the customers bank was XXXX XXXX Someone intercepted the check, altered it. Bank of America Cashed the forged check. 
We submitted a claim form XXXX Weeks ago. Bank of America still refuses to reimburse our customer so they can reimburse us.
Consumer complaint received 2023-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX and distress, and I am pleading with you to remove them immediately.
Consumer complaint received 2023-05-23
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. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD, XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-06-06
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. (FL)

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.
Consumer complaint received 2022-12-06
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. (VA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed the items below on XX/XX/2022, and XX/XX/2022 but the bureaus did not remove them. 

Sec. 602 I have a right to privacy XXXX  XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  XXXX  Account Number : XXXX
Consumer complaint received 2023-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

After denial of an new home around the beginning of XX/XX/2023 I learned that my credit report had fraudulent accounts and incorrect information all over my credit report It really had me shocked and sad because after my brother recently passed away I wanted to get away and start fresh to many memories in my home town all this incorrect information stopped my XXXX boys and me for being able to obtain housing which left me back in forth in hotels I had to come back and live with my mom with XXXX kids in a 1 bedroom apartment all because the credit buruoes are reporting fraudulent accounts and wrong information after I tried to get this fixed with the credit bureaus on XX/XX/2023 and and they did not help me remove the accounts nor did they do a proper investigation I start doing my research on credit and I found under the ftra it most be deleted out all 3 credit bureous were breaking the law and that 603 - 15 U.S.C. 1681a
Consumer complaint received 2018-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (CO)

I Talked to the department of Education as soon as I noticed this late payment hit my credit report. I was in Forbearance at the time and it should have never showed up as late. Now unfortunately this caused my score to sink! I called Department of Education and they agreed to get it deleted from my credit report. I called to follow up at the beginning of the month and asked for a specific date as to when it would be deleted and they told me they would not delete it! their calls are being recorded. this needs to come off
Consumer complaint received 2023-09-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

On XX/XX/2023, in XXXX XXXX, LA, my phone was stolen by force and accessed without my permission and used to conduct a number of unauthorized transactions using my bank account, mobile payment apps, credit cards, and via wire. I filed a police report as well as fraud reports with all relevant companies, including Citizens Bank for the bank/mobile payment and wire-related transactions. Citizens issued a provisional credit for the bank/mobile payment transactions but refused to credit my account for the 2 unauthorized wire transactions ( totaling {$6000.00} ) which happened at the same time, and were sent to a person who I do not know and whose name is also associated with the other fraudulent transactions. Citizens sent a letter stating that their investigation concludes that this transaction was authorized by me and no credit would be issued- simply because my phone was used- the same phone that was stolen. I have called Citizens multiple times to request a 2nd review, a phone call, and copies of supporting documents, none of which have been provided to me. I have been told twice that I would receive a phone call within 3-5 business days, and that has happened neither time. I can not understand how these could possibly be viewed as authorized transactions when they took place on a stolen device ( reported to the police ), at the same time as other fraudulent transactions ( which Citizens has issued a provisional credit for ). This has caused me a tremendous amount of stress and financial hardship, and I'd like this to be published so that others know about these shameful business practices. Furthermore, this person was able to conduct this wire transfer via the mobile banking app for a very large amount of money ( {$2000.00} and then {$4000.00} ), and NO additional verification was requested from me. This also seems like a significant security flaw. Finally, please note that my XXXX XXXX Police Report XXXX is XXXX.
Consumer complaint received 2020-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WV)

it reports My balance at XXXX. it is only XXXX Paid XXXX and XXXX Both Cleared. Caused my Report to Go down by 43 Points. Called they Say they Cant do anything to Fix.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

Fair Collections & Outsourcing has an account with my name, without my knowledge or consent, and they are reporting an eviction to the credit bureau agencies ( XXXX, XXXX and XXXX ) for a place I never lived in. My information was used fraudulently to obtain a home which I had no knowledge of until the debt collection showed on my credit report from Fair Collections & Outsourcing in the amount of {$1500.00}. I have not, nor ever given consent to this company to have an account in my name or to send out my information to anyone. According to my credit report this account opened in 2017.
Consumer complaint received 2023-06-01
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I submitted disputes with all three credit reporting agency in XX/XX/2023 and XX/XX/2023, I never received a response regarding the investigation of the inaccurate information reporting on my credit file.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : Please see attached file for these items I am complaining.
Consumer complaint received 2023-08-19
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: Experian Information Solutions Inc. (IN)

It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.
Consumer complaint received 2017-05-14
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. (DE)

I mailed a Multipl e Inquiry Remo val Letter to EXPERIAN on on (   X/XX/2017  )  by certified mail in order to dispute information, in regards to (  XXXX   ) in quires, that is being reported on my credit report. They received the letter on (   X/XX/2017     ) and they completed the request on (   X/XX/2017     ). The request that I submitted included Inquiries that were NOT factual and I received the same responses for ALL inquires, which was Inquires are a factual record of file access. If you believe this was unauthorized, please contact the creditor. According to the FCRA Rules, FCRA  623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it  states that any information can be disputed and MUST be investigated and if you do not investigate and respond, the CRA must delete the disputed information from its files. The fact that I received a respon se ( 4 ) da ys after the receipt of my certified, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquires on my credit report display a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquires that does not belong to me, I did not sign anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Consumer complaint received 2021-03-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Remitly, Inc. (CA)

I'm writing to report a fraudulent transaction that happen to my Passbook ( by remitly ) an online banking service from USA, I have given all my effort to report this to them this but it seems no one is really given their equal effort to help, I'm putting here the transaction details for you to review. 

Firstly after it was happened I already informed them, but all they can do is to pretend helping but showing any evidence that they really communicate to the company that charge me. 

Security and trust is the one they promise, now that it happens to me and there is seems no help coming my way. 

a total of XXXX was charge on my account by this company in the XXXX, and XXXX ( remitly ) was in no way really wanted to help but instead pass it on to their virtual agent to response to me with repeated and automated reply. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-12-06
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: BARCLAYS BANK DELAWARE (NY)

I am writing in merit to an issue I have been experiencing with Barclays Bank who erroneously closed my dispute XXXX XXXX with merchant XXXX in the amount of {$2800.00}. The issues began when speaking to a disputes agent to discuss the matter. I explained that the lost package had been located and the merchandise was returned to the merchant via the provided return label and we were awaiting a refund. I had never claimed that the matter was resolved. I gave the agent the return tracking number and assumed that the investigation would proceed. A few days later I received a letter stating that the dispute was closed claiming that I stated the charge was valid. The charge was valid in that it was not fraud, not the the matter was resolved. After speaking with the disputes department I discovered that the agent closed the dispute instead of waiting for the resolution from Barclay 's investigation XXXX from the merchant issuing a refund. The dispute was originally opened as a package from the merchant was not received. I confirmed that the lost package was finally located by XXXX. Once we received the missing package, we contacted the merchant ( XXXX  ) and a XXXX return label was sent to us and we returned the package back to the merchant. When the agent ( Barclays ) called to discuss the dispute she misunderstood as I stated we still had not been refunded by the merchant and she just closed the dispute. Since this occurred it has been weeks of trying to reopen this dispute with Barclays who has not been accommodating. I have provided the merchant and Barclay 's a copy of the police report which states that the package was lost in addition to live chat conversations with the merchant ( XXXX  ) where agents confirmed that the package was finally returned and delivered back to their warehouse but since I opened a dispute ( which was suggested by the merchant when the package was lost ) the merchant is unwilling to issue a refund although I do not have the merchandise nor have I been refunded for the order. This is stated in XXXX live chat sessions for which I am providing you copies of the transcript for XXXX dated XX/XX/2022 and XXXX dated XX/XX/2022. 

I am also providing a proof of delivery from XXXX  ( merchants provided prepaid return label ) with tracking number XXXX which confirms delivery on XX/XX/2022 to the merchants warehouse in XXXX XXXX XXXX at XXXX and signed for by XXXX XXXX 

Neither the merchant nor Barclays have been helpful in resolving this issue from the moment the package was lost to its recovery by XXXX and returned to the merchant. I am expecting a full refund as the merchandise is no longer in my possession and the return receipt has been confirmed by XXXX. 

If Barclays is unwilling to assist in my dispute I am exercising my rights under the XXXX Credit Billing Act that this dispute be sent to chargeback arbitration.
Consumer complaint received 2024-04-02
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Demand to Comply with 15 USC 1692g ( a ) in Regards to Collections Dear [ XXXX XXXX XXXX ], I am writing to express my concerns and demand compliance with the provisions outlined in the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g ( a ). As a consumer, I am well aware of my rights under this statute, and I am exercising my right to request validation of the alleged debt you are attempting to collect. 

Under 15 USC 1692g ( a ), a debt collector is required to provide me with written validation of the debt within XXXX days of their initial communication regarding the debt. This validation should include : XXXX. The amount of the debt XXXX. The name of the original creditor XXXX. A statement that if I dispute the debt within XXXX days, the debt collector will provide me with verification of the debt XXXX. A statement that if I request the name and address of the original creditor within XXXX days, the debt collector will provide me with such information I am formally requesting that you provide me with the aforementioned information within the time frame stipulated by law. Failure to comply with this request XXXX result in legal action to protect my rights under the FDCPA. 

Please communicate with me exclusively in writing moving forward, and I kindly request that you cease any and all communication regarding this alleged debt until the required validation is provided. 

I expect full cooperation and prompt action in accordance with the law. If I do not receive the requested information within the stipulated time frame, I will have no choice but to take appropriate legal steps to ensure my rights are upheld. 

Sincerely, [ XXXX XXXX ]