davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (MA)

On XX/XX/XXXX, a fraudulent charge was made to my Chase Saphire card through a food delivery app called XXXX. This is an app that I regularly use and has my credit card stored in it for purchases. On XX/XX/XXXX, my XXXX app was hacked and the fraudster made an order from a restaurant in XXXX, OR for {$140.00}. Once I was made aware of the purchase ( the following day ) I contacted Chase Bank who immediately removed the charge, canceled my current Saphire card and issued a new one with a new number. Then on XX/XX/XXXX, the charge for {$140.00} showed back up on my statement. As a result, I've made several attempts at contacting the Bank and have been placed on hold and ignored. I called on XX/XX/XXXX and never reached anyone - after waiting on hold for an hour and 12 minutes. I then tried to reach them via their XXXX  page, which states a rep will respond shortly - no one ever answered my inquiry despite leaving a detailed overview of my issue and what happened. On XX/XX/XXXX, I did reach a representative, who reviewed my account and stated " the wrong department handled your claim initially - I will have to forward you to the fraud department, the wait till be between 10-20 minutes. I am now going on 87 minutes of waiting and have yet to be helped. This issue should have been resolved on my first phone call on XX/XX/XXXX. This is fraud and the bank 's handling of this is completely unacceptable.
Consumer complaint received 2022-10-03
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX acct # XXXX is falsely reporting a negative account listing on my Experian Experian credit report that is beyond the seven-year reporting period. This company falsely re-aged the account in order to continue reporting it when it should have been removed from my report at the end of last year. XXXX XXXX has removed their false information from my XXXX and XXXX reports last year. When I dispute with Experian it always comes back verified or the date expected to fall off my report keeps changing. Last year it said XX/XX/XXXX, this year it says XX/XX/XXXX. Either XXXX XXXX is responsible for the false reporting or Experian is. Either way, the negative reporting on the account is beyond seven years from the date of last activity ( XXXX, not XXXX as they falsely reported ), is obsolete and needs to be deleted from my Experian report immediately.
Consumer complaint received 2022-12-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: TRUSTMARK CORPORATION (AL)

1. I worked with an individual in XXXX XXXX to purchase a XXXX XXXX. We agreed on price and shipping. I investigated the seller and found no issues. I sought a bank wire transfer. I visited the local branch in XXXX, XXXX. As i was about to talk to an employee, another employee chirped aloud about a " scam '', without any information what so ever. I provided every detail. They ushered in a Security consultant '' whose knowledge about " scams '' is slim and none, a rank amateur, if there was one. This creep blocked the transaction and I missed the sale. 
2. XX/XX/2022. I sought a second secure purchase via XXXX and attempted a second wire transfer, That security creep, had " flagged '' my account! 
3. I was forced, at my expense, to do a " plan B '', send certified check overnight. 
RESULT : This creep caused me deep embarrassment and grossly insulted me, as a XXXX XXXX XXXX XXXX XXXX, it is elder abuse and discrimination. it is my business where I spend my money. With almost {$500000.00} in their bank, I suggest this fool become unemployed and a formal apology issued to me by the bank general manager..
Consumer complaint received 2020-03-26
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: Early Warning Services, LLC (GA)

Are reporting an account that was resolved between me and XXXX XXXX. And as off today ( XX/XX/20 ) I have 2 active accounts with XXXX XXXX. Have tried to dispute negative on account but was rejected!
Consumer complaint received 2020-04-05
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Aargon Agency, Inc. (MO)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
Consumer complaint received 2020-04-05
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. (NJ)

This document is for fraudulent accounts opened in my name, Using my personal information without my authorization or permission. I am a victim of identity theft and did not open these mentioned accounts. I am a victim of the XXXX  data breach. State issued ID have been compromised and my social security has also been obtained. My postal mail was being forwarded out of state to where theft of my personal and confidential information took place. I am not responsible for any of these charges or accounts.
Consumer complaint received 2020-04-04
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. (GA)

EXPERIAN, XXXX  AND XXXX  ARE VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF OF THE FRAUDULENT ACCOUNTS : XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (OH)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions 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.

15 U.S.C 1681 sec

tion 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 2021-03-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIRST CITIZENS BANCSHARES, INC. (NC)

For various reasons I chose to close my First Citizens Business Bank account via mail on XX/XX/2021 in writing. I originally spoke to the home office on the phone about closing the account when I was told that I could not verbally request it and I would have to put it in writing, which I did mail a letter on XX/XX/2021. A few days later, I received the letter back stating that it was not signed by the owner, which is me and so I did sign the letter and place it right back in the mail. In the meantime, the last transaction that took place on the account was a check in the amount of {$410.00} on or around XX/XX/2021 and the debit card, which I had in my possession was placed on my shredder to shred when I received the remaining XXXX from First Citizens by Cashiers Check. 
Moving Forward I had not heard anything from FCB on Friday, XX/XX/2021 and still had online access to my account when I noticed suspicious activity of XXXX for XXXX XXXX XXXX, I immediately called the Fraud department at FCB and notified them of the following, ( 1 ) This is not my charge, I have never been in a XXXX XXXX XXXX nor have I ever ordered anything online from them and further more had no need, where I live we have a Sporting Goods store ( locally Owned ) and they could get me anything I needed or wanted. ( 2 ) Anybody that is in the process of closing an account would not wait and place a charge against the account, considering if the bank had accepted my original letter like they should have, the account would have already been closed. ( 30 now this has messed me up in getting my full XXXX back. I knew what I was supposed to get back from FCB. The account was finally closed on or around XX/XX/2021 because I received a Cashiers check in the amount of {$18.00} and not the original XXXX, so I responded with a letter outlining that they need to go ahead and issue my XXXX to me or face a late fee ( s ) and that letter was dated on XX/XX/2021 and so instead of sending me my money, like I am making it up as I go, they mailed a response that they have issued a provisional credit for XXXX and should have resolved within 90 days. Since then I have invoiced them for the funds that I should have already received and instead has put me to more trouble. It is funny to me that they knew good and well I was closing the account and what was funny there had not been activity on the account for two weeks and they went ahead and paid out the fraudulent charge on XX/XX/2021 and only issued a credit on XX/XX/2021, when they should have issued XXXX.
Consumer complaint received 2020-04-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (MI)

XXXX  as a nominee for XXXX XXXX, XXXX. in the amount of {$62000.00} Dated Date : XX/XX/XXXX Recorded Date : XX/XX/XXXX Loan NO : MIN:XXXX Instrument Number:XXXX Open Ended : YES Mortgagor : XXXX XXXX XXXX and XXXX XXXX , husband and wife . 
Assigned To : XXXX  XXXX  XXXX XXXX  XXXX  XXXX fka XXXX  XXXX  XXXX XXXX  XXXX  as successor Trustee to JPMorgan Chase Bank, N. 
A., as Trustee on behalf of The Certificateholders of The XXXX XXXX, XXXX Revolving Home Equity Loan Trust, Series XXXX
Consumer complaint received 2020-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

ive requested proper debt validation based on section 609 of the fcra with no feedback and its been beyond 30 days ago violating fcra 611 also violating fdcpa policy theses companies continue to say the debt is valid with no physical proof in any way this is illegal and im in definite need of help please thanks
Consumer complaint received 2020-03-26
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: EQUIFAX, INC. (AR)

A unknown suspect has been using my identity. My name and social security without my permission. When I reviewed my credit report I observed two loans ( XXXX XXXX XXXX ) and three credit cards ( XXXX XXXX  and two XXXX  XXXX cards ) that I did not apply for or authorize. Also I observed two other unknown suspicious accounts. The loans, cards and two other unknown accounts were applied approximately a year ago or longer. I have took action and filed a police report with my local police department. Please remove these fraudulent unknown suspicious accounts from my report as soon as possible. 

MEDICAL DEBT XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2020-04-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

I sent a letter to Midland Funding referencing ( Account : XXXX ) and requested a validation of debt. It has been over 30 days and I have not heard from this company, I sent a letter to the company directly at : Midland Funding, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX on XX/XX/2020.
Consumer complaint received 2020-04-04
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. (PA)

A XXXX XXXX account was opened in my name fraudulently. I have contacted the credit bureaus, and sent disputes with a police report. I have requested that this fraudulent account be removed from my credit report and the credit bureaus did not remove the fraudulent account. They left it on my credit report showing the account is paid and closed. This was not opened by me so it should not be on my credit report
Consumer complaint received 2020-04-04
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: EQUIFAX, INC. (PA)

A XXXX XXXX account was opened in my name fraudulently. I have contacted the credit bureaus, and sent disputes with a police report. I have requested that this fraudulent account be removed from my credit report and the credit bureaus did not remove the fraudulent account. They left it on my credit report showing the account is paid and closed. This was not opened by me so it should not be on my credit report
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

ALL and any of my Wells Fargo bank accounts between XXXX and XXXX are closed ETC. Deposit and funds are missing. I reach out to Wells Fargo to see what is going on. With my banks accounts that are closed. And the refuse too take accountability.
Consumer complaint received 2022-11-25
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. (FL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not update these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

From XX/XX/2022 to XX/XX/2022, my Capital One Venture card was fraudulently used without my knowledge or permission for several XXXX purchases totaling {$400.00}. On XX/XX/XXXX I contacted XXXX, who confirmed that my Capital One card was NEVER used in my account or any of my family members. They told me I should file a dispute with my credit card company since this is obviously fraud. On XX/XX/XXXX I filed a dispute claiming fraud with Capital One. They immediately refunded me for these purchases with the stipulation that it would get reversed if they found evidence I benefitted from the transactions. On XX/XX/XXXX, the transactions were all reversed and I got re-charged by Capital One for the fraud purchases. I contacted Capital One, who told me that the case was closed without being able to reopen or appeal the case. I asked if they could provide any reason or evidence that I benefitted from the transactions, which they could not provide. Even though the original fine print said that they would reverse the transactions if they FIND EVIDENCE. I have since submitted additional evidence showing correspondence between myself and XXXX customer service showing that the purchases are fraud confirmed by XXXX. But I still have not heard from them.
Consumer complaint received 2022-11-05
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. (VA)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.