davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

What happened : {$1500.00} was withdrawn from my checking account through ATM in person without my permission. Chase initially accepted my claim but they denied it about 2 weeks later. My current account balance is currently negative.

Reason : Chase denied my claim as a fraud because it looks like those transactions were made by me.

Story : 1. Friday, XX/XX/XXXX at XXXX XXXX. I got an email from Chase, Email Address Change Confirmation. However, I didnt change my email address on Chase. [ XXXX ] 2. I called Chase right away and explained this situation. They removed that fake email not owned by me.

3. Saturday, XX/XX/XXXX at XXXX XXXX. I got an alert from Chase App on my XXXX and from an email from Chase. My balance of {$20.00} was below the {$50.00} limit you set. I checked my checking account. I was shocked. 3 times ATM withdrawal of {$500.00}, a total of {$1500.00}, happened and it was described as XX/XX/XXXX XXXX XXXX XXXX NY XXXX XXXX. It was the Chase branch near my home and my card number. [ XXXX & XXXX ] 4. I called Chase during business hours in the morning. I explained my issue and those ATM withdrawals were not made by me. I didnt withdraw money, didnt go there, didnt use ATM, didnt give my card or anything related to Chase to anyone, and I was home at that time.

5. During the investigation, we found somebody used XXXXXXXX XXXX XXXX ( Chase XXXX XXXX ) and XXXX XXXX  like Contactless to withdraw my money. I found its phone was active in the Device History on the Chase website. Somebody accessed my Chase data using its phone on XX/XX/XXXX at XXXX XXXX. its only 2 minutes gap between updating my email and accessing my Chase data using its phone. I have never owned and used XXXX XXXX XXXX. So, I deactivated its phone as soon as I found this unrecognized access. [ XXXX & XXXX ] XXXX. I got money back from Chase at this time. [ XXXX ] XXXX. Friday, XX/XX/XXXX at XXXX XXXX. I got an alert again from XXXX. My balance was $ XXXX. I checked my account. I found 3 times transactions of {$500.00}, a total of {$1500.00}, for REVERSAL : ATM WITHDRAWAL. I was shocked again. [ XXXX & XXXX ] 8. I called Chase during business hours in the morning. I wanted to know why the reversal of my claim happened. They said it was not fraud according to their investigation. The reason is that those transactions were used by my own information so it looked like I, myself, made those transactions. They asked me again if I gave my debit card, my phone, or anything relevant to somebody. I talked to Chase again that I have never given my card, phone, personal information, and any important data to anyone. They asked me again and I explained again. It was endless.

9. I called Chase to get help to solve the issue that unrealized transactions happened without my permission. However, I couldn't figure it out with Chase.
Consumer complaint received 2022-12-29
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. (GA)

There are three accounts that show closed on my account that should be removed. Accounts show closed yet the balance of two of the closed are still included with my report. A Closed accounts balance should not be included and should be removed from my credit, since it hasnt been removed nor balance removed my credit score is significantly lower than the other two agencys. I tried submitting a dispute in regards to this but system will not allow me to.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-02-27
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: SUN LOAN COMPANY INC. (AL)

Complaint number XXXX. 

Thank you for providing the original contract, but the original contract does not answer nor fix the issue I complain. 

I want to make this as simple as possible to understand. 

Sun Loan Company claims On XX/XX/2019, XXXX XXXX refinanced his loan for {$480.00}. No payments were received. 

Additionally, Sun Loan Company states As to XXXX XXXX statement that XXXX XXXX reported OK on his XX/XX/2019 credit report, he would need to contact them at ( XXXX ) XXXX for clarification on what information they reported. ( Attached ) XXXX XXXX XXXX is borderline pointless. I am contacting you, the furnisher. 

In hopes you will do the right thing as I have tagged the CFPB in this stressful matter. 

Below I have attached a copy of how Sun Loan Company is reporting onto my XXXX XXXX report. The attached consumer report was mailed to my address via : The credit bureau. ( XXXX XXXX ) I have underlined the rating for XX/XX/2019. 

I want to restate that XX/XX/2019 shows a rating of OK The rating key provided by XXXX details that OK means Current, paying or paid as agreed. 

If it was true that NO payments were received, and I refinanced XX/XX/2019, then XX/XX/2019 would reflect 30 days late and not OK. Why does it show a payment made if no payments were ever made? 

I have detailed to you how this account is not accurate. 

Now, I want to remind you ( The Furnisher, SUN LOAN COMPANY ) of : Prohibition on Reporting Inaccurate Information. 

Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. The standards for the prohibition differ, depending on whether the person specifies an address for receipt of notices from consumers concerning inaccurate information. If the person specifies such an address, it may not furnish information relating to a consumer to any CRA, if ( a ) the consumer notified the person, at the specified address, that the information is inaccurate, and ( b ) the information is, in fact, inaccurate.

In addition, Furnishers Duty to Investigate. If the furnisher finds that the information reported was inaccurate, the furnisher must promptly notify each CRA to which it provided the inaccurate information of the determination and provide the changes necessary to make the information accurate.

Finally, 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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.2
Consumer complaint received 2022-12-29
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)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo XXXX regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes XXXXXXXX XXXX ( which states ) ( a ) Block A consumer reporting agency should 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 XXXX XXXX XXXX after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as equifax 's XXXX XXXX XXXX. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over XXXX XXXX. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : {$0.00} ; XXXX XXXXXXXX Balance : {$19000.00} ; XXXX XXXXXXXX Balance : {$410.00}
Consumer complaint received 2022-06-03
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. (CA)

In accordance with the fair credit reporting act XXXX  XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXXXXXX XXXX XXXX  and XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX. have/ 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 Also states a consumer reporting agency can not furnish my account without my written instructions
Consumer complaint received 2022-06-03
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

There are several things on my consumer report that were the result of identity theft. I sent the consumer reporting agency Transunion and identity theft affidavit. According to 15 U.S. Code 1681c2, these accounts and inquiries should have been blocked from my consumer report. However, they were not. Transunion sent a letter stating this block was an error. It was not. Transunion has violated my consumer rights. According to 15 U.S. Code 1681i Transunion is supposed to delete the disputed items during a full and complete investigation. Transunion violated this federal law. Transunion is still furnishing information without my consent. That is a violation of 15 U.S. Code 1681b. I have never given Transunion to furnish anything on my consumer report. 15 U.S. Code 1681n lets me know that any person who willfully fails to comply will be responsible for actual damages up to {$1000.00} per violation. Please note that I will not hesitate to file a suit against Transunion for willfully and knowingly violating my consumer rights if this is not rectified within 15 days.
Consumer complaint received 2021-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CT)

XXXX XXXX XXXX XXXX XXXX, FL XXXX Address ID # XXXX is not my present address nor is it my previous address i have requested that experian delete XXXX XXXX XXXX XXXX XXXX, FL XXXX Address ID # XXXX from my credit report but XXXX  is adamant on violating my rights under the FCRA guidelines by refusal to delete this address even after numerous requests to have it deleted. 

attached is my credit report with demonstrating evidence
Consumer complaint received 2020-04-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hello, My Transunion credit bureau reflects a debt from XXXX XXXX XXXX XXXX XXXX {$1300.00}, listing the original creditor as XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX I sent my third letter to XXXX XXXX XXXX XXXX and a copy of this letter certified tr # XXXX to Transunion requesting a verification of this debt. As of XX/XX/XXXX I have still not received any verification, yet they continue to report this debt. Under FCRA Section 616 and 617 this is willful and negligent noncompliance. Under section 611 they are required to delete all information which can not be verified. 

I ask that you please cite my complaint for non compliance by both Transunion and XXXX XXXX. 

Thank you
Consumer complaint received 2022-06-03
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

We started a XXXX XXXX  XXXX in XXXX in hopes to save our home. After trying to make the large payment on the XXXX we came to terms that we just couldnt afford it, so all the debt that was Included in the bankruptcy was now back on our credit except now they are showing the bankruptcy as well, but we never went through with the bankruptcy so how can my credit show all of the debt and the bankruptcy when we never got the benefit of the bankruptcy.
Consumer complaint received 2020-04-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

THE XXXX XXXX XXXX XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Consumer complaint received 2016-03-07
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (FL)

My boyfriends father over 10 years ago got a new car and put me on his car loan that I did n't know. He passed away so I tried to pay it off which I did after the car was wrecked by his son and then paid off from the insurance company which paid late. The credit reporting company shows it unpaid and closed in 2015 which is wrong it 's been over ten years and I never signed paper work about owning the car? But it 's on my credit report. The loan company is Santander consumer. Please help me it 's been ruining my credit.
Consumer complaint received 2020-08-03
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (VA)

I was charged twice by a company I purchased goods from. 1 of the charges was listed as " pending '' on the day I made the purchase XXXX. The other charge that was shown as " completed '' was dated XXXX. Both were from the same amount XXXX Both amounts were deducted from my card account. The company I purchased from told me they only charged and collected 1 time. The pending charged stayed on my ledger for nearly a month. I attempted to call the card company XXXX at XXXX. Could never get though to file a fraud claim or resolve the issue. No automated option would get me a person. All options eventually lead to me being disconnected. 
Now the pending charge is gone. But the 2nd XXXX amount has not been credited back. 
I called the Parent company of Way2Go / XXXX which is Conduent. At XXXX and the person that answered ( XXXX ) would not help. Asked XXXX for her supervisor. Was told she was in a meeting and couldn't be disturbed.
Consumer complaint received 2020-04-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Army and Air Force Exchange Service (MI)

Received from the first attempt to be repaid for the amount in excess to the amount owed. Notice of overpayment received. Referred to XXXX at XXXX XXXX XXXX to leave voicemail requesting my refund. No voicemail no email nor check received for the amount extra taken. 

XXXX in excess my income taxes military pay indicates a different amount owed on the bottom of XX/XX/XXXX. 
XXXX from my military pay on XX/XX/XXXX XXXX refund on notice XX/XX/XXXX
Consumer complaint received 2020-04-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Bread Financial Holdings, Inc. (TX)

Went to XXXX XXXX for days and plan some work. I did not know I had signed a credit agreement. I did not have the work done as I ended in the hospital. I have been getting bills from a company called XXXX XXXX for {$3700.00} work I never got done.
Consumer complaint received 2022-12-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (MD)

I've repeatedly contacted IC Systems ( ICS ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MN XXXX to ask that they remove an account previously with XXXX XXXX for Cable and internet services in the amount {$130.00}. 

The company has been report this account as in a collection status since XX/XX/2020. The account in fact was over-paid closed. XXXX actually issues a {$250.00} credit for the overpayment. 

I reached out to IC Systems several times starting in XX/XX/2020 to ask that they contact XXXX XXXX to confirm the status of the account and I was told that they would not contact XXXX XXXX  to confirm the account. 

I also provided a copy of my receipt of the final payment made in XX/XX/2020 along with a letter asking that IC Systems delete to account. At the time I was just retiring from the military and trying to complete the purchase of a home. 

Due to the erroneous debt my credit score dropped over XXXX points over the course of 6mos and forthmore impacting my ability to secure a mortgage. 

I'm currently consulting an attorney to possibly file a lawsuit for damage as result of IC System 's erroneous reporting of this account. 

I'm also considering pursuing a class action suit again the company for it's practice. 

Please help.. 

Respectfully,
Consumer complaint received 2022-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (FL)

In XX/XX/XXXX {$240.00} was taken out my account through an atm without my approval or knowledge. I was at work from XXXX till XXXX, this transaction was done at XXXX. I have attached my timesheet address proof. The debit card was in my possession when this fraudulent activity was done without my permission. When I filed a dispute with chime on XX/XX/XXXX at XXXX pm they only took XXXX min to investigate it Didnt bother to look at my time sheet. Their company has history of doing this, they refuse to refund me and didnt bother to look at evidence given to them. They refuse to provide legal department information too.
Consumer complaint received 2020-04-06
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC. (MO)

Received a collection letter from CashNetUSA mailed to my home with my name and address. I have never done business with them nor would I ever take a payday loan. When I called to inquire, they pressed for my personal information, which I refused to answer. They would not provide any details unless I gave them my personal information, which I refused. They claim I owe them {$2800.00}.
Consumer complaint received 2022-12-29
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. (LA)

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. 
I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Accounts XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX  Date Updated : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX # XXXX XXXX, LA XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Account Number : XXXX XXXX. The following personal information is incorrect Account Number : XXXX  : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX # XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : XXXX  : XXXX
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Equifax has made it so you can not submit a dispute as their system isnt working. It has been over a month that Equifax was supposed to remove the collection from XXXX. Also they are now reporting missed payments on a card that hasnt been open in years.
Consumer complaint received 2020-04-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MD)

THE XXXX  XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.