davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 37 days later I have not received a response yet. I feel like Im been taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these within 30 days gives reason to immediately remove those items from my credit report it has been over 37 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the person.
Consumer complaint received 2023-05-26
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. (WY)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC.
Consumer complaint received 2020-10-01
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc. (NC)

Santander is reporting an auto loan on my credit reports with XXXX, XXXX, XXXX  that is erroneous. 

I have disputed the account with XXXX, XXXX, and XXXX  and no on ehas provided validation for the Santander account. 

I demand that this account be removed from the credit reports with XXXX, XXXX, and XXXX. 

SANTANDER Account number : XXXX
Consumer complaint received 2020-09-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

My name is XXXX XXXX, I am a victim of wire fraud through chase business and seeking any type of assistance and help with my claim as chase has denied my case and this wire fraud caused a lost of {$20000.00} USD from my business account and depend on this money to continue operating my XXXX as I've already been struggling through this pandemic and that money was from a sba loan that I've just received. I do not know what else to do at this point as I've tried a whole month of back and forth with chase and even escalated this claim to their executive office and was only told that it was denied. 
I wish to again stated clearly that I did not authorize this wire transfer transaction but it seem that chase is not doing anything to help me with this claim and is only trying to avoid it. I am literally begging everyone at chase to please give me back my money because my XXXX will collapse and I can not take this lost, especially during this pandemic. I've even wrote a email to the CEO of Chase bank Mr. XXXX XXXX in hope and prays that he will shine some lights and overturn this decision. I've been very patience as their claim department had me waiting since XXXX2020. The claim with chase was filed within 2hours of finding out I was hacked into my business account. If someone can please help me with this claim, my number is XXXX or email is XXXX Thank you kindly, XXXX XXXX
Consumer complaint received 2023-03-02
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. (SC)

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXXXXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$460.00} ), XXXX XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX Balance : {$1100.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$560.00}, original creditor XXXX XXXXXXXX XXXX ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1900.00}, original creditor XXXX XXXX XXXX ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$630.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$820.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$620.00}, XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$330.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$430.00} ), XXXX  XXXX ( Date Opened XX/XX/XXXX, Balance : {$1100.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2023-03-02
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. (IN)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2023-07-01
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I was a victim of identity theft. I have been trying to resolve this matter with Equifax for literally a year. I sent my affidavit along with my id and ssn. However, every time I call XXXX they tell me they never recieved any mail from me?! hopefully you can help me with resolving this this is in reference to an alleged account with XXXX acct # XXXX I dont know the dollar amount. I have attached a copy of my affidavit and ssn XXXX and id because for whatever reason the company has told me that they never got it in the mail form me. my most recent letter was sent with a return receipt and signed for on XX/XX/23 and the representative continued to tell me they had no record of a letter in their system please help
Consumer complaint received 2020-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

I financed a vehicle through XXXX XXXX on XX/XX/XXXX. The vehicle was a lemon. Within a year, I had to have the alternator changed 3 times. The alternator went bad again in XXXX of XXXX and the car would not run. The vehicle was towed to XXXX 's XXXX and XXXX XXXX was called and asked to come and get the vehicle. In XXXX of XXXX, there had been no response from XXXX XXXX. XXXX 's XXXX  went to the XXXX to obtain a salvage title and therefore the XXXX sent certified letters to myself and to XXXX XXXX. XXXX XXXX did not respond and XXXX XXXXXXXX  XXXX  was granted the salvage title. XXXX XXXX removed the debt from my credit report but is now reporting the loan as open when in fact it has been five years since the salvaged title was granted. XXXX XXXX failed to secure the vehicle from the voluntary repossession and this is on record with the XXXX  XXXX. The loan needs to be removed from my credit and closed.
Consumer complaint received 2023-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

on XXXX XXXX  5/3 bank transferred XXXX XXXX dollars to a person i did not approve of through a XXXX  account. i never used a XXXX account, was not aware of it. i've tried for a month to retrieve my funds, & was told four times it would be redeposited back to my account. i've contacted the attorney general office, fifth third bank fraud department the comptroller of currency. repeated trips & calls to the bank spoke to twenty seven people at the bank but, my money has not been returned. they simply refuse to return my money. can you help retrieve my money please!! thx
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

I've reached out to Experian by certified mail and here in the CFPB several times regarding my credit report. Each time I have sent a letter or complaint Experian responds that they can't locate my credit profile. This is unacceptable. I've included My drivers license. A current Utility bill, the last XXXX of my social and the necessary information required by the FCRA, and the FTC. However Experian is saying they either can't find me or can't verify me or I don't have a credit profile. It seems that Experian is trying to deviate from having to do a complete investigation which is a shame. The FCRA allows companies 30 days to investigate a dispute the CFPB gives companies a max of 60 days to respond and Experian is closing out my disputes and complaints so they can buy time or escape from doing their job this is unacceptable. I will be including the same information again attached with this complaint as well as PDF files of my former complaints and ask that Experian stop using stall tactics. It is very unprofessional and I am determined to use my right to have a credit report that is 100 % accurate and dispute any and all information that is inaccurate.
Consumer complaint received 2023-06-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (CA)

Hello. I received a text from MRS BPO saying I have an outstanding debt with XXXX. I'm current on my bills with XXXX XXXX. They verified I am current and said it must be spam. 
I called MRS BPO, but they asked for my zip code and birth date. I gave them zip, but not birth date in case is it spam. B/c I didn't give them my birth date they said they can't help me. 
the text didn't include any account info and XXXX verified I am current. 

I'm assuming this is spam, but not sure. I can't verify their text or whether I have an outstanding bill somewhere.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

I haven't had a checking account with chase since I was XXXX XXXX XXXX XXXX ( XXXX ). Their was some problems with an account where it was closed down due to overdraft from a dispute. I paid then off within the next couple months XX/XX/XXXX. The account was settled, then I received a check a couple months later stating i overpaid, then all of a sudden i owe them again and have to repay them possibly a year later? 
Chase is reporting checking account fraud when that was never the case. My first chase account was closed due to an unauthorized charge and my second was closed due to the dispute disagreement which led to overdraft. 
I do not appreciate being lied on and having my report tarnished where it affects my other banking business going forward. I would appreciate to have that report removed before considering legal pursuits. 
This is clearly not appropriate banking procedures and this corporation needs to be shut down.
Consumer complaint received 2023-06-22
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: FC HoldCo LLC (PA)

I have inquiries that I dont recognize and I call the company and when I speak to a customer service they said someone is going to get back to me and they never do Name of the company is XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All this company run my credit the same day I dont recognize them and the day was XX/XX/2021
Consumer complaint received 2020-09-26
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 had asked for reduced payments with XXXX so I did not miss any payments since I had lost my job in XXXX 2020. XXXX granted the XXXX  plan and I was allowed to make interest only payments for 3 months. I had a written agreement from XXXX. I paid as agreed within the grace period, but collection calls began immediately. I was told that I was only making partial payments. I was reported as 30 days past due several times to the credit bureaus despite me explaining to each collection agent that I was on a XXXX  plan. I had to explain it to each caller several times a month during the period of the XXXX  plan. My credit score dropped and I was denied a lease and mortgage due to XXXX falsely reporting that I was delinquent. Despite disputes with the credit bureaus, calls to managers and a finally a XXXX  complaint, no one is helping me. I am being harmed by XXXX still reporting those hardship payments as delinquent. I need help!!!
Consumer complaint received 2023-03-02
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. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing this letter to dispute the following late payment accounts that have been reported on my credit report : XXXX. XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXX Late Payment Account XXXX. XXXX XXXX XXXX Late Payment Account XXXX. XXXX XXXX XXXX Late Payment Account XXXXXXXX XXXX XXXX XXXX XXXXXXXX Late Payment Account I believe that these accounts have been reported in violation of the Fair Credit Reporting Act ( FCRA ). According to the FCRA, credit reporting agencies are required to report only accurate and complete information about an individual 's credit history. In my case, the information reported is not accurate, as I have made all my payments on time and have not missed any payments. 

In addition, these late payment accounts violate the Fair Debt Collection Practices Act ( FDCPA ) as well as the Fair and Accurate Credit Transactions Act ( FACTA ). The FDCPA protects consumers from abusive debt collection practices, and the FACTA requires that consumers be given accurate information about their credit history.

Furthermore, these late payment accounts are in violation of the Truth in Lending Act ( TILA ), the Real Estate Settlement Procedures Act ( RESPA ), the Equal Credit Opportunity Act ( ECOA ), and the Fair Credit Billing Act ( FCBA ). These laws protect consumers from unfair lending practices, ensure that consumers are given clear and accurate information about their loans, and give consumers the right to dispute billing errors.

I am emotionally distressed and concerned about the impact that these late payment accounts will have on my credit score and my ability to obtain credit in the future. Therefore, I request that you investigate these accounts and remove them from my credit report if they are found to be inaccurate.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Flagstar Bank, N.A. (IN)

This has happened multiple times. I'll use today ( XX/XX/2020 ) as the basis for this complaint. This bank routinely pushes checks I have written through my account without ever showing them pend. My paycheck however begins to pend on Wednesdays, however it is not released to me until Friday morning. I monitor my account closely, my wife is always able to go deposit money if something comes through, but I'm never given the opportunity because they run checks through overnight without ever showing them pend during the day. Yesterday and last night ( XX/XX/2020 ) I was closely watching because I knew there was a check in the amount of {$200.00} out, but it never showed up in my online banking until this morning ( XX/XX/2020 ). However, this check has now been dated for XX/XX/2020 and rejected before my paycheck stopped pending and was labeled a deposit. I have filed a complaint with a XXXX at their corporate office who told me this practice is illegal and has previously reimbursed me for the times it has happened. She instructed me to call back if it happens again, this morning when I called and requested to speak to a manger my request was denied.
Consumer complaint received 2024-02-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I am filing this CFPB complaint as the only recourse to hold Chase accountable for in effect ignoring my fraud claim. I have still not received my {$2500.00} stolen ( two separate transactions ) from me on XX/XX/24 ( shows up as XX/XX/24 because they were closed on the new years ) despite reporting the theft and requesting them to shut down all my accounts before it happened very quickly after I was robbed. Chase first denied my claim on XX/XX/24 by removing the {$2500.00} in credit applied after I reported the fraud then I appealed on XX/XX/24 and sent a lot of documentation clearly showing I did not authorize these transactions whatsoever ( never made a XXXX transfer on chase, no idea who " XXXX XXXX '' is, etc. ) and the bank still denied it on XX/XX/24 saying I authorized it?? I have no way to track any of this other than filing this complaint. They have no in person fraud dept service, no email, no one will give me their contact info to follow up or even give me their last name. Each time I call their fraud line I get a different story ( the fraud rejection letter only included one of the transactions when I very clearly stated there were 2 ) and I'm very worried Chase is not actually looking at my paperwork sent in ( because if they did they would clearly see I did not authorize these transactions whatsoever ) or trying to run out the clock on paying me back or hoping I give up. Their fraud claim operations system is totally rigged against consumers by having no ability to document any correspondence or acknowledge actions taken and I'm hoping this CFPB complaint can help me provide some recourse because I have zero faith they actually investigate anything I tell them, then deny my claim without any acknowledgment they looked at the docs I faxed in with the police report, etc. I don't know what else to do as I have literally tried everything else and to make matters worse, I only have 60 days from XX/XX/24 under the Electronic Fund Transfers Act to file a claim as a victim of electronic/digital fraud and time is running out
Consumer complaint received 2023-06-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Synerprise Consulting Services, Inc. (TX)

In review of my XXXX and XXXX credit reports I noticed a collection account for some type of medical claim on there. I do not know who this company is nor have I had any medical treatment. 

I contacted both XXXX and XXXX and reported identity theft on my credit files and placed a " fraud alert '' on my credit files. 

There are things still being reported that I have not clue about. 

Furthermore, I know about the new Fair Debt Collection Practice Act Regulation F law about reporting collections without notifying the consumer. No one has ever contacted me, nor have I received any communications in regards to this matter.
Consumer complaint received 2023-05-26
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. (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 U.S.C 1681. ACCT Name : XXXX XXXX  XXXX & XXXX XXXX  XXXX 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 2023-03-02
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. (OH)

Im accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to a confidentiality under 15 U.S.C. 1681. 

OHIO XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX BANK XXXX, XXXX XXXX XXXX  XXXX XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 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 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 2023-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NY)

Care Credit charges me a late fee of {$41.00}. 
I owed Care Credit a balance of over {$4100.00} and always made beyond my minimum payment because I want to finish paying this card. I never missed any of my payments. 

In my last statement care card charged me a late fee {$41.00} due to not receiving their statement on time to pay my bill. I call to explain to Care Credit but they refuse to assist or waive the {$41.00}. I am XXXX and on a fixed income. Wavie this fee will help. 

Care Credit doesn't care about helping their customer.