davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX I was contacted by a phone number that appeared on my caller ID as CHASE. There was a woman on the other end of the call that stated she was calling on behalf of Chase because there was fraudulent activity on my account and they wanted to verify if it was me. I told her no it was not me, and she informed me that in order for them to issue me a new card they would text me a verification code to verify my identity and once they got that code I would get a new card. I did not know by giving this person this code would grant them access to my account. Once the thieves got the code they conducted ( 30 ) {$100.00} withdrawals from my account which totaled {$3000.00}. Once I caught this I called Chase immediately and turned off my card, and locked all of my accounts down. I have been calling into Chase fraud department almost everyday and even went into the branch to give them a copy of my police report, then today I found out that they denied my claim and stated they felt it was me that did the transactions. When I called the fraud department they told me that due to the proximity to my home and that no other devices were registered to my account it had to be me. I told the agent that I had received an email from Chase the day this happened and it stated that my card had. been added to someone's XXXX so I was not sure how they were saying that the card was not connected to anyone else 's phone, when I had the email that stated otherwise. I also told them that no one ever even bothered to call me to see what happened so I was not sure how they could come to a conclusion about something with no facts. This person too {$100.00} out of my account 30 differenet times, back to back and that is not normal behavior. Had I needed that amount of money I would have went directly to the bank, which is not far from the location this happened at, actually about 3 blocks away. So why would I bypass Chase to go to a XXXX to withdraw cash and do it in small increments if it was actually me. That screams FRAUD. I am not even sure how Chase did not stop the withdrawal after the 3rd attempt to withdraw cash. I have told all of the Chase agents that I have not authorized any of these transactions, I would encourage them to look at any video footage from the camera or trace the IP address of the phone to see that it was in fact not me. I have been a. customer with Chase for almost 20 years and have never had anything like this happen to any of my accounts, this would require a simple common sense objective to analyze to see this is FRAUD. 

I have attached a copy of my bank account that shows all 30 transactions coming out of my account. I also have a police report that I am happy to provide privately.
Consumer complaint received 2017-11-23
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. (AL)

I went car shopping at XXXX XXXX XXXX in XXXX. The sales person collected personal information in which he stated once we found a car we would move forward. Well the car I was looking for was unavailable. So we did not move forward. Well a few days later I got an alert from XXXX alerting me that my credit had been pulled by XXXX XXXX at the behest of XXXX XXXX XXXX. I called the dealership informed them that I had not given consent at which point they directed me to the sales manager who stated he mistakenly ran my credit. He then stated he would provide me a letter stating such so as to ensure I could get those inquiries removed. I provided the letter to each bank in which pulled my credit yet XXXX XXXX Refused to remove their inquiry even after numerous letters sent to them. They have yet to respond to the request in which I submitted at their behest on XXXX XXXX. I provided for a third time a copy of the letter from the dealership stating they pulled my credit in error.
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: EQUIFAX, INC. (FL)

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 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 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 XXXXXXXX, 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 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 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 2021-03-13
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: STATE FARM BANK, FSB (NY)

Our car was bought in 2017, XXXX XXXX State Farm Bank applied for the loan, and it has always been tied to our bank account for automatic payment. I suddenly stopped paying fees in XXXX last year, but my account has always been deposited with wages, so I didnt check it. Until XXXX the night before yesterday, a XXXX XXXX showed up and said that we had not paid the car loan for three months, and we had to drive away, or we would have to be towed away by a trailer. There was no choice. The bank is closed and no one can help us. My husband has to go to work during the day and feels helpless. The next morning we contacted the bank to pay off the car loan, fines, and towing service fees. When I contacted them to get the car at XXXX, the person on the phone said it was closed. But they said before that it was XXXX off work, maybe they want to earn an extra day 's storage expenses. My husband went there at XXXX oclock the next day and waited for an hour. The manager came over to open the door for a fee. It costs US {$220.00} to read the bill. My husband cant believe it. The storage fee is US {$75.00} a day, even for two days. Will charge so much. My husband was in a hurry to go to work. He just wanted to get the car back, so he paid the bill. When he went to pick up the car, he found that everything in the car was gone. The jacket, two cigarettes, the data cable ... were all taken away and kept. The officer denied, saying that he didn't know all the time, saying that it was useless to call the police. You didn't take pictures and there is no evidence. 
The bank did not respond positively to us why the automatic payment was interrupted. Just say sorry. Credit may be reduced and affected.
Consumer complaint received 2020-12-29
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: ERC (OR)

On XX/XX/2020, ENHANCED RECOVERY COMPAN add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA ENHANCED RECOVERY COMPAN has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting Act this creditor has violated my right under 15 USC 1681 section 6 o 2 states I have right to privacy ( 15 USC 181 ( section 6 0 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason. 

This is for my XXXX XXXX Account
Consumer complaint received 2022-12-12
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. (FL)

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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
Consumer complaint received 2023-03-08
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. (AZ)

Transunion has FAILED to conduct a proper investigative report. 
Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

I asked for a copy of the investigation they claim they have conducted three times. They claim the information is accurate when in fact it is a fraudulent account. I have no account with XXXX XXXX XXXX. They have opened up an account in my name. I have disputed the information and requested a verification of debt in accordance to 15 USC 1692 GXXXX Debt collector Failed to produce a statement giving the consumer 30 days to dispute the validity of the debt. 

In all XXXX XXXX XXXX  is attemptting to collect an alleged debt out of compliance with the fair credit reporting act. they have not suppiled a statement, verification of a debt owed or a notice to dispute within 30days.

Transunion is falsely reporting inaccurate information and lying about having done a proper investigation. I have requested the details of the investigation on XX/XX/2023 and the customer service rep hung up on me when i escalated the situation to the manager.
Consumer complaint received 2017-11-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (FL)

From XXXX XXXX, 2017, in three different Certified letters ( Attached ), I have requested for the " VALIDATION '' of debt pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA from Lowes. They refuse to provide the necessary information based on above mentioned letter ( Attached ).
Consumer complaint received 2024-01-09
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. (GA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (NC)

On XX/XX/XXXX my wife was in a car accident that totaled the car. 
We had the auto loan with Truist Bank and also had GAP insurance with XXXX. 

We assumed the car would be paid off in a timely manner but problem arose when the driver that hit my wife, he was underinsured therefore this caused delays in the pay-off process. 

It took 5 months to fix this problem, we had issues with Truist and also with XXXX, they made the process a nightmare instead of assisting ( we had several calls, emails and text history of our communication with them ), our car insurance company was the only one that helped by paying most of the auto loan debt to Truist, ( even though we were not at fault at the accident ) still there was a balance that XXXX ( GAP insurance ) instead of doing what they are supposed to do, they delayed the process and showed no initiative or professionalism to even try to resolve the problem... Ultimately the auto loan ( Truist ) was paid off in XX/XX/XXXX. However, on mine and my wife 's credit report show on XX/XX/XXXX ( as Delinquent ) and on XX/XX/XXXX ( as Derogatory ) affecting our credit. 

Would this be updated next month? or please advise us how can we proceed? 

Thank you.
Consumer complaint received 2023-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

1. I paid Equifax credit monitoring services and a complete disaster.

2. I have tried to resolve this matter since the Data Breach of Equifax either leaked my information with knowledge. There Data was hacked and leaked millions of users and or information with knowledge for a profit. 
XXXX. XX/XX/2019 from Equifax a check {$120.00} would be refunded as I paid for credit monitoring. 
4. I can not obtain my credit report at all for the last last 18 months. I properly called annual credit report.com and receive a notice from Equifax with my name spelled wrong stating I received a credit report in the last 12 months which is false.

5. I never received a refund.

6. I emailed and phoned with zero assistance or responses.

7. Equifax basically leaks millions of credit files and the company XXXX XXXX XXXX basically creates a Class Action Suit and pockets 75 % of Equifax having to pay for there unethical behavior. This is precisely XXXX XXXX XXXX is doing. Took the Data settlement and did not pay consumers. These three Lawyers filled there pockets. I also will be filing a FTC complaint to ensure an Audit is conducted.

8. This is such a vicious circle. I am filing a complaint with the CFPB who does not read the complaints. Only Equifax will read the complaint. What is the point of hiring warm bodies that basically work from home and contracted out with zero experience. The only way this matter which is legitimate will become known is if I email the XXXX of the CFPB. Its sad that so many have legitimate cases and a very high percentage of these banks, creditors, continue to commit fraud. I guess the kick backs are good to turn a blind eye. 
XXXX. SEE ATTACHEMENTS.
Consumer complaint received 2024-01-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IA)

On XX/XX/XXXX we sent an ACH fi le through our bank XXXX XXXX XXXXXXXX XXXX to another company bank and were given bank information to a bank account held at Bank of America. Our bank sent the ACH and XXXX received an email alert that the account was fraudulent the VP at XXXX XXXXXXXX XXXX XXXX XXXX Consumer Complaint Confirmation | Federal Reserve Consumer XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX made several channels to stop payment, ACH reversal, and processing another debiting the Bank of America 's fraudulent account and found the funds were not available. We contacted BofA 's Regulatory Complaints & Resolution Specialist and were told we would get the full amount of {$130000.00} in our account due to the negligence Bank of America had with the fraudulent account that was opened with their bank. In XXXX we received a partial payment of {$20000.00} and have since sent multiple emails & phone calls leaving voicemails to XXXX XXXX at XXXX asking when the {$110000.00} left would be deposited.
Consumer complaint received 2023-04-10
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ALLY FINANCIAL INC. (OH)

My son, XXXX XXXX, is behind on his truck payment with Ally Financial. Since they can not reach him, Ally has been calling me daily even though they was told twice XXXX after several months of constant calls and now twice in XXXX to not call me. I have explained that this is not XXXX number and that I do not wish to be called at this number, asking to please make note of this and remove my number from their system. Even after such request, I have still received calls and want them to stop.
Consumer complaint received 2023-05-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (OH)

I opened a Apple Saving Account which is backed by Goldman Sachs. I deposited a total of XXXX into my account on XX/XX/17. On XXXX ( almost a month later ) I initiated an ACH to my personal banking account ( XXXX XXXX  XXXX XXXX I was told the XXXX would take XXXX business days. After speaking to multiple people I called back in on XXXX and was told my initial funds of XXXX had not been verified and my withdrawal to PNC was being sent back to Goldman. As you can imagine I am very upset with this. This is 100 % legit my money and it shouldn't take a month to verify my funds. Goldman has not been able to provide me when my funds will be verified, even though I see the total savings on my apple savings and have even accrued interested from Goldman.
Consumer complaint received 2023-01-13
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)

Hello, The following accounts listed below do not belong to me. 
Please remove both accounts completely from all three credit bureau 's. 

XXXX XXXX  - Account # XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Thanks in advance for your assistance regarding this request. 

My contact information is as followings : XXXX XXXX XXXX Mobile phone : XXXX
Consumer complaint received 2023-04-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (MA)

Debt collection agency, Hunter Warfield Inc., filed a derogatory collection statement to Credit Report Agencies ( XXXX  and XXXX  ) for a debt that is not mine. 

I received no notice from Hunter Warfield of this. 

The debt was owed by my brother-in-law to his landlord, XXXX XXXX XXXX, in XXXX, XXXX, for unpaid rent. I was a guarantor of the rent for his 1st year, but the unpaid rent was owed after he renewed without my guarantee. 

I received no collection attempt from the Landlord, since I clearly had zero responsibility. 

Hunter Warfield apparently acquired the debt from the Landlord and likewise did not contact me for any collection attempt. Only contact was its filing to the Credit Report Agencies. 

I have filed disputes with each of XXXX and XXXX on this. 

But i would also like to submit this complaint to CFPB against Hunter Warfield directly.