davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-10
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. (NC)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All these inquiries has been submitted without my consent or knowledge. This is in fact proof of me being a victim of identity theft/fraud. These inquires need to be Removed immediately from all credit reporting agencies. Ive reach out to ever merchant listed above and i hav not got any response so i am reaching out to reportfraud.ftc.gov to provide this report from CFPB to have this fraud issue handled immediately.
Consumer complaint received 2024-04-25
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (WA)

I have an Exxon Mobil personal credit card, since XXXX. I saw on my statement had many ( XXXX to XXXX or more ) small charges from XXXX locations that I assume maybe gas stations. In one day there were over 20 small charges under {$10.00} each at one location in XXXX. Next day over 20 small charges at a XXXX XXXX location. Exxon Mobil will not talk about it, they just send me to virtual locations for help. When I tell the computer what the problem is, it tells me they don't understand my words ( when I say, 'I need help with unauthorized charges ', they hang up. I sent them an email to cancel my card and they stopped my access to the my statements. I paid for many unauthorized charges to stop my bills. I need to get paid back for those charges.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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
Consumer complaint received 2024-03-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

After examining my credit report, I've observed inaccuracies and indications of fraudulent activity within the listed accounts. I am deeply dissatisfied with this finding and demand the immediate removal of these inaccurate accounts.
Consumer complaint received 2023-11-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION (DC)

Im rewriting to express my frustration and disappointment regarding the recent denial of my credit card application. Despite having high income ( XXXX ) having good credit score XXXX and a good customer for over XXXX  years and meetings all the necessary requirements, I was denied credit! The decision seem unjustified and I think it is due to my race. I would appreciate a prompt review of this issue with Navy Federal Credit Union. On top of that no reason was provided as required by fair credit act.
Consumer complaint received 2022-11-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act ( account name and number ) have violated my rights.

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-09-05
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (GA)

I spoke with the Executive Office of Santander on XX/XX/XXXX! @ XXXXXXXX XXXX They reviewed my account XXXX of XXXX XXXX XXXX XXXX XXXX and confirmed payments, and released the title in our 1 hour and 27 min phone call. The check for the full payoff was received in XX/XX/XXXX.
Consumer complaint received 2023-06-15
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: EQUIFAX, INC. (FL)

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2023-07-19
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. (CA)

I'M A VICTIM OF IDENTITY THEFT. THIS IS NOT A DISPUTE! THIS IS MY " 2ND '' REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.
Consumer complaint received 2023-09-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

After reviewing my credit report I realized there were unauthorized hard inquiries on my account. I sent a certified mail with a letter to delete the hard inquiries, the letter was sent with two forms of IDs and an identity theft report. The accounts involved are as follows ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX.
Consumer complaint received 2022-11-08
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. (CA)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Credit bureau 's is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below to be removed. according to 15 USC 1681 : I have the to privacy and did not give EQUIFAX, XXXX, XXXX written permission to furnish these accounts listed below. 


1. The following account is not mine XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The following account is not mine XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The following account is not mine XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The following account is not mine XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The following account is not mine XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The following account is not mine XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The following account is not mine XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The following account is not mine XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The following account is not mine XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The following account is not mine XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The following account is not mine XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. The following account is not mine XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-18
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. (IL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681 section 6028 that states I have the right to privacy.

15 U.S.C 1681 section 604 a section 2 ; it also states, consumer reporting agency can not furnish an account without any written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States no consumer reporting agency, might make any consumer reporting containing any of the following items of information of any other adverse item of information, who it that records or convention of crimes, which attendates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A a person shall not furnish any information relating to a consumer to any consumer agency. If the person knows or has reasonable cost to play, that information is inaccurate.
Consumer complaint received 2024-06-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Block, Inc. (TX)

I randomly received a text from cash app stating my account had been closed. Ive not done anything to violate their terms of service. They need to be fined and charged for abusing a long time customer and closing my account. 

When I reached out to support they did nothing but respond with a generic message and a link to the Terms of Service. I have reviewed the terms of service and have not violated their terms and hardly even use my account. So they need to provide proof to myself and to the CFPB of terms that were broken or reopen my original account. 

Ive never in my life, and I worked in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Im a XXXX  and Im also XXXX XXXX XXXX XXXX so I dont break the law or do things that would be considered illegal. 

This is a form of corporate abuse on consumers.
Consumer complaint received 2023-11-10
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. (PA)

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 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 2023-11-10
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. (LA)

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 2023-12-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (GA)

A wire transfer was made from XXXX XXXX at XXXX XXXX to my Companys account ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX at JP Morgan Chase in the amount of {$17000.00} on XX/XX/2022 the Money was fully transferred. Chase bank refused to give me the money and they never returned the money to the sender. I have called and visited the bank so many times to retrieve the money but they claimed the money has already been sent back and there is nothing they can do. Moreover, the Sender has also tried so many times at his XXXX XXXX branch they still did not release the Money to him. I will be happy if you will help me retrieve this money from Chase Bank.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Porsche Financial Services, Inc. (GA)

I am writing to address a matter of utmost concern to PORSCHE FINANCIAL SRVC regarding my credit report, as documented. It has come to my attention that fraudulent accounts persist on my credit report, and regrettably, no corrective actions have been taken to rectify this erroneous information. Upon reviewing my most recent credit report, it has become apparent that inaccurate accounts continue to be reported, raising serious concerns about the integrity and accuracy of my credit profile. Despite my previous efforts to bring this matter to your attention, there seems to be a lack of resolution. In light of this ongoing issue, I have taken the initiative to file a report with the Federal Trade Commission ( FTC ), and I have attached the relevant documentation for your reference. The FTC report is filed under report number XXXX and serves as both a formal complaint and evidence of the fraudulent accounts impacting my credit history. I kindly request that XXXX conduct a thorough investigation into this matter at your earliest convenience. It is crucial to address and rectify the inaccuracies promptly, ensuring the integrity of my credit report and preventing any further damage to my financial standing.
Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Reporting duplicate that on my credit reports the collection agency purchased this debt from XXXX XXXX XXXX in 2015. They have duplicate items one of my XXXX XXXX and one of my Equifax.
Consumer complaint received 2024-04-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: JPMORGAN CHASE & CO. (NJ)

Per Chase 's request I sent them a comparison loan estimate that I received from another lender on XX/XX/XXXX to their lender XXXX XXXX XXXX via email to see if he can match it. He also mentioned that Chase offers a grant based on our new home address that would allow them to give us an additional {$2500.00}. I informed him that the other lenders I spoke with mentioned I wouldn't be qualified for those grants due to my income, but XXXX reassured me that I would. XXXX then emailed me saying he received approval on XX/XX/XXXX from his director for the rate match. He then called us on a recorded line on XX/XX/XXXX informing us and confirming that the rate match of a 6.375 % rate with ZERO points was approved ( same exact offer we received from the other lender. I then asked about the {$2500.00} grant he mentioned we would receive from chase as that was not on the loan estimate. He then emailed on XX/XX/XXXX stating : " I just got the ADDITIONAL {$2500.00} credit applied and have generated a new loan estimate. '' My wife XXXX XXXX replied after via email and said " Thanks XXXX but the new estimate still does not show the additional credit ''. After that point we were communicating with XXXX on a recorded line where my wife repeatedly shared her concerns on the loan estimate not being accurate. XXXX replied that it is just an estimate and will change so do not be worried. It should be noted that the chase portal is also faulty as it automatically makes you sign documents which is not ok. 

One day before closing on XX/XX/XXXX we received our final disclosure despite asking for them to get things done in advance and being timely. The final disclosure was XXXX more than the disclosure we received two days prior and it was listed that we had to pay for points, which was not what we were informed of ( again we were promised a price match ). The other lender we sent for a price match did not charge anything for points and their fees were actually CHEAPER than Chases. We would have went with them and saved money if we were not deceived by Chase. Chase is incredibly sneaky and has poor business practices meant to deceive customers. They should be held accountable for this.
Consumer complaint received 2023-12-08
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: EQUIFAX, INC. (FL)

Dear Equifax : While checking my most recent credit report, I noticed credit inquiry that I did not authorize and they are a result of identity theft, made by the following companies : XXXX XXXX XXXX XXXX - XX/XX/2023 XXXX XXXXXXXX XXXX - XX/XX/2023 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please remove all the above inquiries from my credit report. 

I would like to request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

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. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2023-07-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (IL)

I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.
Consumer complaint received 2023-07-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Security Credit Services, LLC (MO)

This company continues to violate my consumer rights. I have proof down below in the attachments from the XXXX XXXX XXXX but they are still trying to collected a debt that is not mine. I have disputed this inaccurate account that is damaging my credit and my life. They repot to the credit bureaus that they have verified the debt belongs to me but never sent me a validation letter showing that. I reported them to the XXXX  and they never responded but say i owe a debt.
Consumer complaint received 2023-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (TX)

I have disputed this account with XXXX, XXXX and XXXX. I have sent them proof of address for the time that this account was opened fraudulently in my name yet the account keeps coming back verified. The account address, is linked to an address that I have never lived at before. Although I provided them with an expired Driver License ( obtained ) during that time, a voter 's registration card, and bank statement, all with the correct address during the time the account was created, they will not remove the account. The company did send me an some sort of contract showing that the account was opened online, however the address does not match any address I have ever lived at. 

SECURITY CREDIT SERVICE Original creditor : XXXX XXXX