davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (AZ)

So, this is my second complaint about Chase Bank in 2 months. Same issue, same mistake on their end. Last time I was nice, was able to resolve myself with Social Security and I let Chase off hook, today I am livid. My 2nd stimulus was due. Now the IRS website did not become functional until XX/XX/2021. I checked, saw my stimulus check was sent to Chase XX/XX/2021 to a closed account. I immediately called Chase claims however they were closed and it was not even XXXX MST. I called first thing on the XXXX, XXXX sharp. I told the woman right up front in XXXX I opened a similar claim for a Social Security check and the claim was filed incorrectly. No worries she told me, she knew what to do. She saw the transaction, told me {$1200.00}, she got the trace number, it was rejecting, no problem opened the claim noted what account it would be deposited into, said give it a day, if any questions I would be called. I checked all day, nothing ever showed pending. On XXXX/2021/not seeing it in my account, I called Chase to see what happened. Well, they screwed up again and returned the {$1200.00} to the IRS. I could not believe this happened AGAIN. Im no stranger to banking, I worked for Chase for 26-1/2 years. I work for another financial institution now. I know the funds reject morning after and thats when the money needs moved to the other account. I called the Executive office, spoke with XXXX, what a joke, patronizing as XXXX. THEN I get an email alert with a letter advising as discussed nothing was done with the claim, funds returned to the IRS are you kidding me? As discussed my XXXX. Now maybe {$1200.00} isnt much to someone like XXXX XXXX but to me it was a lot. I am the sole provider right now for XXXX of us. My daughter lost her job due to COVID and her and my XXXX grandchildren came home to live with me. My oldest son has been quarantined 3 times, thats 30 days due to COVID exposure at his work. My youngest son is currently quarantined. We have experienced XXXX 4 times within my own family, brother, his wife, kids. You get the point. I contacted the IRS and maybe I will get a check, depends they need all this done by XX/XX/XXXX otherwise I can take as tax credit. A lot of good that will due. I divorced this year taxes are iffy and which one can claim it even though only I worked but he could beat me to it then I am SOL. So in the meantime I have {$200.00} in NSF fees, Big Bad Chase needs that money. Heck they probably got PPL. The rich get richer, the middle class is hanging by a thread. In addition to this complaint I am taking this to the news station. Once I can overlook, twice is incompetence. Time to clean house, maybe start with the head and go down, bit XXXX XXXX is too busy on XXXX XXXX to care about the peons..
Consumer complaint received 2022-06-04
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: Experian Information Solutions Inc. (TX)

looks like someone was trying to use my information to purchase a car. There are 15 hard inquires for XXXX. 13 with XXXX and 34 with Experian. I have filed police report and put a fraud alert with all XXXX reporting agencies. XXXX is giving me a hard time to remove. I have contacted the companies to whom the hard inquires belong to and was told since I don't have a vehicle that they can't do anything. That was specifically said by XXXX today.
Consumer complaint received 2022-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

looks like someone was trying to use my information to purchase a car. There are 15 hard inquires for XXXX. 13 with Transunion and 34 with XXXX. I have filed police report and put a fraud alert with all XXXX reporting agencies. XXXX is giving me a hard time to remove. I have contacted the companies to whom the hard inquires belong to and was told since I don't have a vehicle that they can't do anything. That was specifically said by XXXX today.
Consumer complaint received 2022-06-04
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX and XXXX  Account # XXXX, has 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 a account without my written instructions
Consumer complaint received 2022-06-04
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. (WA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX has 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 a account without my written instructions.
Consumer complaint received 2023-02-21
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. (NC)

In accordance with the Fair Credit Reporting Act : XXXX and XXXX, account number # # # # # XXXX, date XX/XX/2020 has violated my rights. 15 U.S.C. 1681 section 602 A- states that I have the right to privacy. 15 U.S.C. 1681 Section 604 A section 2 -- also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-02-18
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. (OH)

Re : Identity Theft Recovery To whom it may concern I am writing you to correct my consumer reporting personal information with the following name if you don't have it already as " XXXX XXXX XXXX ''. I have enclosed my government issued ID, social security card and court order along with an affidavit of identity for verification purposes.please update immediately.
Consumer complaint received 2022-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Phoenix Recovery Group (TX)

XXXX XXXX provided a closing balance of XXXX for move out. It was sent to collections with a balance of XXXX. Creditor is saying I owe XXXX. I spoke with the manager at the location she advised me to dispute so they could work with me directly. The creditor has refused to remove this or update the correct balance amount.
Consumer complaint received 2022-05-14
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. (AZ)

In accordance with the Fair Credit Reporting act XXXX  Account : # XXXX, of XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  has 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 a account without my written instructions Plus The dates of the Creditor for These Accounts are incorrect on all three Credit reporting agencies.
Consumer complaint received 2022-12-18
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. (CA)

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. 
The following : 1. Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has 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 a 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 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 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

Ive just reviewed my credit report and noticed the following inaccurate item ( s ) : XXXX XXXX with account number XXXX This account is listed as being 30 days late. I recently contacted that company regarding this matter and was informed by representative that I was automatically signed up for security card protection which was an extra {$160.00} in top of monthly payment. This was causing my monthly payments to increase and adding interest. However, I did not agree to enroll in the program nor did have any knowledge that i was enrolled into the program. I agreed to pay the full balance within 12 months with no interest. This my first time using XXXX XXXX. I am requesting a goodwill adjustment to remove this late payment from my XXXX, Experian, and XXXX credit reports. 

I truly believe that it doesn't reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment. Thank you for your consideration, and I hope you'll approve my request.
Consumer complaint received 2022-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (IA)

I discovered fraud on my American Express platinum card in early 2022 at which point I made American Express aware of the situation. They at that time informed me they would respond to me with a resolution letter within 30 days at latest 90 days, its now been close to 10 months. I havent received a resolution letter, and I have proof from the vendor acknowledging the charges were fraudulent. American Express has not been getting back to me, even though I have had agents say they sided with me but fail to have credits post to the account. I even mailed my dispute in under the fcba and they failed to even open the claim. it took me hours on the phone to get them to reopen the claim. My ideal resolution would be for the claim to be reopened and the charges that were fraudulent to be credited back to my account.
Consumer complaint received 2018-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ERC (OH)

I mail letters to the three credit reporting agency 's regarding past due accounts over Seven years old.They send me letters stating the accounts will be remove from my credit report raising my credit score a little.On XX/XX/2018 this company named ERC- REF # XXXX ACCOUNT # XXXX Amount debt # XXXX. I'm disputing the validity of the debt in question. I don't recall any service from XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I HAVE SUBMITTED SEVERAL COMPLAINTS FOR INQUIRIES LISTED ON MY CREDIT FILE THAT ARE NOT MINE, THERE IS A FRAUD ALERT ON MY CREDIT FILE AND TRANS-UNION HAS BEEN ADVISED TO REMOVE THEM AND THEY ARE DOING NOTHING BUT SENDING ME A CANNED MESSAGE SAYING THAT THEY ARE FACTUAL RECORD OF FILE ACCESS, AND THEY WILL REMAIN, THE FCRA STATES THAT FRAUDULENT OR UNVERIFIABLE INFORMATION NEEDS TO BE REMOVED FROM THE CREDIT FILE. 




XXXX- XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX WHY IS THERE ANOTHER INQUIRY FROM : XXXX XXXX XX/XX/XXXX & XX/XX/XXXX- THIS CARD WAS OPENED 5 YEARS AGO XXXX XX/XX/XXXX- SAME THING THIS CARD WAS OPENED 2 YEARS AGO, SHOULDN'T BE ANY OTHER INQ SINCE MY FILE IS FROZEN. 
XXXX XX/XX/XXXX- CARD IS 6 YEARS OLD, SHOULDN'T BE ANY OTHER INQ
Consumer complaint received 2020-02-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (NC)

On XX/XX/2020, I tried logging onto my Goldman Sachs Marcus app on my phone to check my balance. Upon trying to log in, an error message appeared stating that my account had been temporarily locked and I would not be able to log in or have access to my account until I called Goldman Sachs Marcus to unlock my account. 

I immediately called in. I went through the security questions and was then transferred to an employee named XXXX who works in the Fraud Department. I was informed by XXXX that there had been a security incident on XX/XX/2020 and that a small number of clients accounts had been compromised and that some of my personally identifiable information could have been compromised and therefore my account had been locked. 

I then asked why I wasn't notified via email/phone/mail that my account had been compromised/hacked as I should've been notified immediately so I would be able to update my passwords to all accounts and monitor more closely for any potential fraudulent activities. To my understanding, it is a requirement of Regulation P that there is a certain window of time where I must be notified by the company if a privacy event has occurred and I wasn't notified at all. I had to log into my account and then call in as my account was blocked to learn that my account had been hacked and my non-public personally identifiable information had been compromised. 

I then requested that XXXX, the Fraud Department employee, follow up with his supervisor regarding this privacy matter as he was not available at the time and that his supervisor would need to follow up with me to understand why I wasn't notified and if my NPI had been compromised. I was told that I would be contacted within 24-48 business hours from today, XX/XX/2020. 

It is highly illegal and a regulatory violation to not notify customers of a privacy breach. I am now having to update all of my passwords and closely monitor my credit report to make sure that none of my other accounts were compromised. Banks/Companies need to be held accountable for managing people 's NPI and when something does go wrong there are consequences for their actions/inactions. 

To restate, my Goldman Sachs Marcus Savings account was hacked on XX/XX/2020 and my account was then locked on XX/XX/2020 ( according to XXXX ). I then tried to log into my account on XX/XX/2020 and was not able to as it was locked and then I had to call in to get in unlocked and was alerted by the Fraud Department that my account had been hacked. I wasn't notified at all by Goldman Sachs that my account had been compromised.
Consumer complaint received 2022-06-04
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX5 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 a account without my written instructions The information listed, which appears on my credit report does not relate to any transactions that I have ever made. Also under the Fair Credit Report Act section 604 15 U.S.C. 1681b ( 2 ) states ... Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances they need to show written instructions of the consumer to whom it relates. That right there alone is in violation of the FCRA 604 15 U.S.C. 1681b ( 2 ). I Never gave permissible purpose to even create a report for these fraudulent accounts below, they have to have my written intructions. I will need them to produce a contract in a affidavit form between me and the accounts showing that i granted them permission to furnish these reports in the first place. And if they had that permission I will need a senior executive to produce an affidavit to me. The affidavit also needs to be noterized by a senior executive showing that i granted them permission in the first place.

Enclosed are the following : A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2021-11-19
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)

The accounts that are reporting on my credit report are unverified accounts. These accounts date back as far as XXXX, I have reached out to no avail to the credit bureaus and they cant provide any answers or proof as to why my credit report has these accounts. I have sent in the accounts with the dates these accounts were opened.
Consumer complaint received 2019-05-04
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (TN)

On XX/XX/XXXX, Onemain, without my permission, did a hard inquiry / credit check. While I've done business with them before, no paper or online form / permission was given by me for them to do a hard inquiry.
Consumer complaint received 2022-12-18
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: EQUIFAX, INC. (KY)

XXXX XXXX XXXX XXXX XXXX inquiry date XXXX XXXX business type federal government this is an inquiry not made by me not aware of this inquiry XXXX XXXX inquiry date XX/XX/XXXX business type Jewelers inquiry made not by me not aware of this XXXX XXXX  inquiry date XX/XX/XXXX tenant services inquiry made not by me not aware of this XXXX XXXX inquiry date XX/XX/XXXX inquiry not made by me XXXX XXXX inquiry date XX/XX/XXXX inquiry not made by me
Consumer complaint received 2022-12-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

XXXX XXXX XXXX XXXX XXXX inquiry date XXXX XXXX business type federal government this is an inquiry not made by me not aware of this inquiry XXXX XXXX inquiry date XX/XX/XXXX business type Jewelers inquiry made not by me not aware of this XXXX XXXX inquiry date XX/XX/XXXX tenant services inquiry made not by me not aware of this XXXX XXXX inquiry date XX/XX/XXXX inquiry not made by me XXXX XXXX inquiry date XX/XX/XXXX inquiry not made by me
Consumer complaint received 2022-09-13
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. (IL)

I received a copy of my credit report, and found that your are reporting false information on my credit report. This is causing me extreme distress, and I am doing everything I can to build my credit profile responsibly. seeing that I am looking to purchase a new vehicle thru finance, and this could cause problems doing so. The law says thay everything on my credit report must be accurate! 

I do not recognize these addresses 1. XXXX XXXX XXXX XXXX XXXX, IL XXXX Please Delete This Address From My Report I do not recognize these accounts 1. XXXX XXXX XXXX Please Delete This Account From My Report 2. XXXX XXXX XXXXXXXX Please Delete This Account From My Report 3. XXXX XXXX Please Delete This Account From My Report 4. XXXX XXXX XXXX XXXX Please Delete This Account From My Report 5. XXXX XXXX XXXX XXXX Please Delete This Account From My Report I am also requesting the description of the procedure used to determine the accuracy, and completeness of the information. I have read that this must be provided within 15 days of completion of your investigation. I also read that under federal law, you have 30 days to complete your investigation. 

By the provisions of the consumer protection laws, I demand that these items be investigated, and removed from my credit report. It is my understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must be complete within 30 days of receipt of this letter, or you must remove the incorrect information. 

I have attached 2 different FTC identify theft reports as well.
Consumer complaint received 2020-02-15
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)

XXXX/XXXX  XXXX XXXX/XXXX  XXXX Account # XXXX XXXX   XXXX XXXX  XXXX I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )