davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-17
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. (NY)

I am writing on behalf of my mother ( written consent attached ). On XX/XX/2022, my parents got an email from Chase notifying them that there was less than {$50.00} in their checking and savings account. After logging onto their account, they noticed several unauthorized transfers from their checking and savings accounts totaling more than {$23000.00} that occurred on that same day. They called Chase immediately and told them that did not initiate any of those transfers, and requested the bank to put a stop to it. Chase was unable to do so, and stated that the person who made those withdrawals must have had my mother 's personal information because they listed my mother as their co-signer. At the bare minimum, Chase should have flagged those withdrawals and asked my mom for confirmation if it was truly her making those transactions, but Chase allowed those withdrawals to occur without any notification other than their account holding less than {$50.00}. 

They then informed my parents that they can not refund any money until they investigate and that they will mail out the fraud paperwork for my parents to fill out. In the interim, my parents notified the FTC about the fraudulent activity. XXXX week later, my parents ' still haven't received any paper work, but the claims department stated that they mailed it out on XX/XX/XXXX. My parents went to XXXX different local branches asking for assistance and XXXX rep was able to pull up the paper work and fill it out. My parents then filed a police report on that same day ( XX/XX/XXXX ). They then received a letter in the mail from Chase ( which wasn't the fraud paperwork ) stating that the transactions were indeed authorized by my mother since her personal information was used as cosigner, but they neglected to tell us how they came about this conclusion or how they investigated all of this to deem my mother responsible, How this individual obtained her personal information is beyond us, as my parents don't engage in any suspicious calls, emails or texts. 

Under the Electronics Fund Transfers Act, individuals are not held responsible for any unauthorized electronic transfer as long as they notify the bank within 60 days. My parents notified Chase on the same day the incident took place. Chase not only neglected to notify my parents of the fraudulent withdrawals, but they failed to act on it promptly, and refuse to take responsibility for their negligence. My parents have taken all the required actions on their end, notifying the bank promptly, notifying the FTC, filing a police report, and filling out the required fraud paper work that Chase never even managed to mail to them. It is clear that Chase Bank should be held accountable for the funds that were fraudulently stolen from my parents account.
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

CFPB + Experian, On my XX/XX/2022 I see there are items that are inaccurate that I would like fixed - attached to this complaint are : - my drivers license - my social security card - my address - my written complaint - my credit report
Consumer complaint received 2022-09-29
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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 consumers 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. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-02-23
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Carvana Group, LLC (GA)

Hello, My name is XXXX XXXX, and I am writing on behalf of the horrible experience I had with Carvana. I purchased a car on XX/XX/2021. An hour after the car was left, it started to make a very loud screeching sound. I called early the next day to start the exchange process. Every representative I spoke to informed me of something different. They are all " working from home '' so I was never routed to the correct person and was stuck repeating myself over and over for hours. I was informed by each representative that an exchange would be an easy fix but it was anything but easy. Most of the reps I spoke to informed me that the previous rep. kept poor notes ( if any at all ). Each rep told me something different and I was informed that I could not just work with one person. I was waiting hours on the phone, and this is no exaggeration, unfortunately. 

The system registered the swap as a new sale and they wanted to run my credit all over again ( creating another inquiry ). I told them ( them being about 5 different people ) this was an even swap. Finally, after about 2 hours they said they fixed the issue on their end. The following day, I was told that the delivery date for the new car was unclear because the car " got lost '' during transport. By then, my other contract was cancelled so both deals fell through. After days of this back and forth, I then informed the representative that I didnt want to get a car with carvana at all. I was then told that my income verification was questionable although the representative that completed it called my bank from their line ( not my line ) and verified each deposit down to the penny. At this point, this seemed like a way to drag out the return of this vehicle. If there was a question about my income, why was the car not picked up and the whole sale voided then? 
So now months later, this car has never been picked up. My credit was run again last month to make it look like this sale was recent. The car is now being reported to my credit after months of it falling in the cracks. I believe this error on Carvanas part is now being shuffled to make it look like I am not paying for this car ( that I clearly said I did not want ). The idea that there was fraud with the income verification just allowed Carvana to stop taking my calls. I was vehemently calling to ask them to get the car. 

I kept asking for a DIRECT EMAIL OR NUMBER TO A REAL PERSON, but was deflected each time asking me to send a letter. I sent two letters, and still have not heard back. I am asking for someone to look into this to see the obvious failure on Carvanas part to make this right. I am asking for this car to be taken out of my name and for my credit to be restored, upon an investigation. The car is still waiting to be picked up and has not been driven. I am also reaching out to consumer and federal agencies to rectify this as well as this is now costing me time and money. 


Best, XXXX XXXX XXXX
Consumer complaint received 2019-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

On XX/XX/XXXX, I filed a complaint about XXXX XXXX XXXX attempting to collect on XXXX balance account. Since XX/XX/XXXX, I have repeatedly requested an explanation of the debt. After filing a complaint with CFPB, I received validation of the debt. This company provided a XXXX  balance statement. This collection was reported to my Equifax credit report in error, and Equifax has refused to delete the collection. Based on the provided statement from XXXX XXXXXXXX XXXX XXXX XXXX XXXX, I have a XXXX balance. This account has been paid in full by the insurance carrier, and contractual insurance. I have provided Equifax a copy of the XXXX balance statement ( see attached ). They refused to follow the law about reporting incorrect information.
Consumer complaint received 2023-06-27
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: EQUIFAX, INC. (CA)

Equifax won't remove collection on my credit report. XXXX XXXX XXXX ( XXXX ID : XXXX ) won't provide any documentation that this account belongs to me and Per XXXX XXXX XXXX there not even licensed to operate in the state of California. Therefore, it's needs to be removed from my account immediately. 
Thank you.
Consumer complaint received 2023-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have attempted to contact all three major credit bureaus, including TransUnion, XXXX, and XXXX, in order to address errors on my credit report and improve my credit score. Despite these efforts, I have not received a satisfactory response from the bureaus within the required 30-day timeframe, and this failure to respond has had a negative impact on my credit and financial situation. As a frustrated consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to ensure that my rights are protected and that the credit bureaus are held accountable for their lack of response.
Consumer complaint received 2022-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Recently I was analyzing my credit report and noticed some irregularities on some of my accounts. I have contacted the Bureaus verbally and filed a simple dispute to verify theses accounts. Please reinvestigate these accounts. In Accordance with the ( FCRA ) FAIR CREDIT REPORTING ACT I have a right to accurate reporting and some these accounts are not accurate at all. I ask that you remove these accounts immediately.
Consumer complaint received 2024-04-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (NY)

I had reported a fraudulent claim to Cash App for {$550.00} via my debit card on XX/XX/year> which they claimed was legit after investigation. They never even investigated it was automatically denied in 1 day of me opening the dispute. I been a customer of Cash App for almost 2 years, never had any problems until this past weekend. I had try to request information on how my claim was denied and try to reopen the investigation. Denied again. 

This debit card is always used at store vendors I typically shop at like grocery stores. Other than that my card is always locked at all times and I always use my credit card for this type of reason. 

The transaction was made in XXXX for over {$500.00}. That money was going towards my rent and now I dont have it anymore.. Cash Apps customer service can not find any record of me ever making transactions in XXXX. Cash App is not helpful. Their company is ran by a bunch of AI bots and you can never speak to a real person. They refuse to let me talk to the team who actually reviews this information saying they cant help me. So Im submitting this complaint in hopes of getting a REAL person to help me because this is honestly ridiculous.
Consumer complaint received 2024-04-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Adjustment Company Incorporated (NM)

On XX/XX/XXXX I had a loan with XXXX XXXX in the amount of {$1200.00}, I consistently went in to the location on XXXX to make payments but realized that my payments were not being applied to the account. They couldn't explain why my payments were not being recorded which was beyond shady and suspicious. I told them I was not paying anything else until they provided my payment records. They called me in XXXX to offer me a settlement which was still scandalous, They said if I paid half of the original loan amount which was {$600.00} give or take ( which should have been my balance after the payments I made ) then we would be in good standing. I asked for it in writing and they refused to put in detail the promise that was made over the phone. They sold the debt to a creditor that literally told me they were waiting for me in the parking lot of my home to arrest me, they harassed and threatened me for years calling my phone from different numbers all hours of the day and night. I'm exhausted with this completely scandalous situation. They now have sold the debt to another creditor called Consumer Adjustment and they have destroyed my credit by reporting it to all 3 bureaus as a new collection in the amount of {$2100.00}. This is a 7 year old debt that is around {$600.00} and I'm seriously done with being harassed and bullied by these companies. I'm truly contemplating taking legal action against the original creditor for being scandalous and dishonest and every creditor that they sold it too. This is beyond ridiculous because I was paying my loan payments 7 years ago and now here they are claiming I owe {$2.00}, XXXX which is a complete lie
Consumer complaint received 2022-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (GA)

I have contacted Citi Bank XXXX everywhere and also XXXX XXXX  they have constantly harassed me I have to call month after month and I am getting sick from it I have an XXXX  XXXX that I need to avoid stress as much as possible and they keep stressing me out because nothing gets resolved, I pay my bills on time so I dont have to get stressed out about bills.
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act, this creditor, XXXX account number : XXXX has violated my rights under 15 USC 1681 section 602 states i have the right to privacy. 15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666b a creditor may not treat a payment on a credit card account under an open end cosumer credit as late for ANY purpose.
Consumer complaint received 2024-04-08
Product: Credit 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: HUNTINGTON NATIONAL BANK, THE (OH)

I was scammed buying auto parts charged and never received. XXXX XXXX branch manager and I discussed about this for an hour and i left emails and such pertaining to this
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX  Balance ; {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX XXXX  Balance : {$1200.00} XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-17
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. (FL)

File ftc report already on identity theft and fraud to all three credit bureaus they have refused to removed XXXX hard inquiries on my XXXX and TransUnion report
Consumer complaint received 2022-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

The accounts they have on file are incorrect and they are affecting my personal life, my workplace, my access to insurance, and all of these have put me in unsafe and terrible living conditions. My ex wife and child is now being effected by these false items on my report. 

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 2023-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-05-16
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. (FL)

In acordance with the fair credit reporting act.expirian has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681.

according to the 15 U.S.C 1681 section A. states i have the right to privacy. 

These addresses do not belong on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX  XXXX  fl XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  fl XXXX XXXX XXXX XXXX XXXX XXXX  fl XXXX
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX