davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX & Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-12-29
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: NAVY FEDERAL CREDIT UNION (MD)

Navy Federal is denying a fraud claim that I submitted for fraud that occurred on my credit card ending in XXXX. Attached is the letter that I got in the mail letting me know that this {$9000.00} in fraud was actually " no billing error occurred ''. According to them I just did these purchases myself. 

The fraudster made away with {$9000.00} of my money and I'm on the hook for it now. There is no proof of any of this transaction being me. Someone is using my name, my identity, my email and phone number to make this purchase so that it looks like me. They might have fake ID or something in my name, they might have my social security number. I don't know to what extent I'm being taken, but I know this {$9000.00} was fraud, and Navy Fed is not resolving it in my favor. 

I want to see ALL of this proof that shows this transaction being me because it most definitively is not. Just the fact that the order was in my name or someone use my personal information doesn't make it me... seriously it's ridiculous. I need this money back, and if not I'm filing a lawsuit. 

This transaction was not me and can not be proven to be me. I've disputed it as fraud the way I am supposed to with them, but now they want me to pay the {$9000.00}? Absolutely not. Please help me and go after them for my money that was stolen. I will report this again and again and sue Navy Fed if need be for this money. I am not letting a fraudster take tens of thousands of dollars from me. This is ridiculous.
Consumer complaint received 2023-03-26
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. (IN)

I am very concerned because my credit reports are showing discrepancies and misinformation as a consumer. The lack of due diligence the credit bureaus has made truly reflects incorrectly, not only has this been a defamation of character and livelihood but a major violation of consumer rights. 
I have sent all three credit bureaus a letter and they have not corresponded. 

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 that a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I do not understand why accounts are not reflecting true information about my reporting. I have written below all the discrepancies. I would like for all inaccurate information to be removed as this is in violation once remove Please provide with a updated credit report once information has been corrected. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses, email addresses, and telephone numbers to remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION (MD)

Navy Federal is denying a fraud claim that I submitted for fraud that occurred on my credit card ending in XXXX. Attached is the letter that I got in the mail letting me know that this {$9800.00} in fraud was actually " no billing error occurred ''. According to them I just did these purchases myself. 

The fraudster made away with {$9800.00} of my money and I'm on the hook for it now. There is no proof of any of this transaction being me. Someone is using my name, my identity, my email and phone number to make this purchase so that it looks like me. They might have fake ID or something in my name, they might have my social security number. I don't know to what extent I'm being taken, but I know this {$9000.00} was fraud, and Navy Fed is not resolving it in my favor. 

I want to see ALL of this proof that shows this transaction being me because it most definitively is not. Just the fact that the order was in my name or someone use my personal information doesn't make it me... seriously it's ridiculous. I need this money back, and if not I'm filing a lawsuit. 

This transaction was not me and can not be proven to be me. I've disputed it as fraud the way I am supposed to with them, but now they want me to pay the {$9800.00}? Absolutely not. Please help me and go after them for my money that was stolen. I will report this again and again and sue Navy Fed if need be for this money. I am not letting a fraudster take tens of thousands of dollars from me. This is ridiculous. 

Attached is a photo of the letter I received in the mail. I accidently ripped it but you can still make out what it says.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within XXXX days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over XXXX days old.
Consumer complaint received 2023-12-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (IL)

My Wallet and phone were stolen on XX/XX/2023 ( police report number attached ). I have had issues since then with email security and unauthorized charges from my accounts, all of which were to the same merchant - all of which were cleared up and deemed unauthorized transactions by my other banks and card providers EXCEPT Chime, who obviously did not investigate at all because they responded the next day saying their investigation concluded that the activity was valid. XXXX did a REAL investigation on the same merchant " XXXX XXXX  '' and the transaction, and deemed after 10 days of investigation that it was indeed stolen and fraudulent where my information was used twice by the merchant " XXXXXXXX XXXX ''. I requested re-opening of both investigation numbers and both were AGAIN closed within 24 hours. See information about both claims below. The merchant all transactions were charged to was a XXXX XXXX XXXX XXXX, I live in Illinois. They were also not pin transactions, the bottom line is CHIME DOES NOT INVESTIGATE THEIR CLAIMS AT ALL IT IS IMPOSSIBLE TO MAKE A DETERMINATION IN 12 HOURS, this is egregious Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Debit - Unauthorized Transaction Date Error Reported : XXXX Claim Amount : {$1000.00} Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Debit - Unauthorized Transaction Date Error Reported : XXXX Claim Amount : {$310.00}
Consumer complaint received 2023-05-11
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. (NC)

15 USC 1681C-2 STATES *EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION, A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIED INFORMATION THAT RESULTED FROM AN " ALLEGED IDENTITY THEFT '' PLEASE REMOVE THESE ACCOUNTS AS IT IS A VIOLATION TO MY CONSUMER RIGHTS.
Consumer complaint received 2023-03-24
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: AMERICAN EXPRESS COMPANY (FL)

My complaint and this narrative does not fit into any one of your categories. I am the XXXX XXXX in a business in XXXX, Florida, XXXX XXXX XXXX XXXX, with 3 other partners. Our business checking account with XXXX XXXX was hacked and 4 separate fraudulent debits were made on XX/XX/XXXX  and XX/XX/XXXX  through an automated clearinghouse. I became aware of this on XX/XX/XXXX  and notified our bank immediately. The funds from 2 of the four criminal withdrawals were used to e-pay credit cards-XXXX  Credit in the amount of {$7000.00} and American Express in the amount of {$6500.00}. Three of the four withdrawals were returned immediately including XXXX XXXX. 
XXXX XXXX contacted American Express on XX/XX/XXXX  and were rebuffed. My bank was told I would need to call. I did so immediately and American Express would not speak with me. 
I filed a report with the XXXX County Sheriff 's Department, case # XXXX. American Express is in receipt of stolen funds and is complicit in this fraud.
Consumer complaint received 2023-01-21
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: JPMORGAN CHASE & CO. (CA)

I have been a victim of identity theft, I was XXXX from XX/XX/22 to XX/XX/22 My bank account at Chase bank along with XXXX, XXXX, XXXX, and XXXX are gone. Accounts were opened with my credentials at different banks. 
Charged all my cards. 
I gave proof of XXXX and filed a police report, I have provided all the documents and they are still giving me a hard time. 
Chase bank XXXX XXXX card XXXX XXXX card XXXX XXXX XXXX to name a few
Consumer complaint received 2017-12-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

On XX/XX/XXXX I did transfer to XXXX LTC now worth over $ 180K from coinbase to my Ledger wallet, Coinbase time frame is 3 business days, today is the XX/XX/XXXX and trx still showing pending. I tried to contact their support 5 times but of course for scam company no one responds! I think this company does n't have the coins it claims to have on their platform, they use consumer money to make money then who knows if they file bankruptcy and XXXX the consumer in the XXXX! 
Case ID : XXXX Created : XX/XX/XXXX XXXX PSTTransfer ID : XXXX Sent to address : XXXX
Consumer complaint received 2024-03-15
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

I have unauthorized inquiries that need to be removed from my equifax report. They have already been removed from my XXXX and XXXX reports. 

Here are the inquiries Equifax Mortgage Ser - XX/XX/year> XXXX XXXX - XX/XX/year> XXXX XXXX - XX/XX/year> XXXX XXXX - XX/XX/year> XXXX XXXX - XX/XX/year> XXXX XXXX XXXX - XX/XX/year>
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I have been repeatedly disputed a account on my experian credit report for 1.5 years now and everytime Experian has came back and said the " XXXX XXXX '' account was verified as accurate but they never sent me the information they use to verify that it was accurate as I have repeatedly told Experian there is no such account on my XXXX or XXXX credit report that alone is a violation under 15 USC 1681 ( A ) AND ( B ) because information is not being reported accurately Then I went to Experian to opt out of them reporting any information about this account at all according to 16 CFR 313.7 AND 15 USC 6802 but this XXXX ACCOUNT # XXXX still remains on my credit report Experian has violated my rights under the privacy act of 1974 which has caused me great harm
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX  Account XXXX : XXXX Account name : XXXX Account number : XXXX Account name XXXX XXXX Account number : XXXX Account XXXX : XXXX XXXX XXXX XXXX Account number XXXX N/A Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX. 
Account number : XXXX Account name : XXXX XXXX XXXX. 
Account number : XXXX
Consumer complaint received 2023-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (MO)

Discover, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has different notations on each of my XXXX and XXXX credit reports. 

Under 15USC 1681 ( a ) ( i ) I believe I am allowed to verify and correct any erroneous, inaccurate items on my credit profiles! 

XXXX has " collection/charge-off '' and XXXX states " 120 days late ''!!! 

I need these items deleted as they are harming my credit status and the purchase of a home!
Consumer complaint received 2022-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

On XX/XX/XXXX around XXXX EST I set up a funds transfer from my outside bank to my USAA checking account in the amount of {$2000.00}. To date this transfer has not been completed. I attempted to access my account on XX/XX/XXXX and was denied access stating that I was required to complete a W9 before being allowed access to my checking account. I was transferred to an electronic W9 form that did not work with an error message that instructed to call USAA for assistance. I attempted to gain access to my checking account for a while longer before reaching out to USAA XXXX. I spoke to XXXX XXXX XXXX. She told me that it was required that I complete a W9 yearly despite my having no products for my business at USAA and USAA sending all of my investment products over to other companies several years ago. 
I asked to have my account unblocked immediately. My request was denied. I was told that I would have to complete the form that was not accessible on the web before my account could be released. 
I asked to have the form sent to my account so that my account could be released. XXXX refused to send the form to my documents. 
XXXX also refused to transfer my call to the department that handled the block and W9 forms.

I have also signed W9 's previously. 

XXXX was unable to provide a reason as to why the bank needed a W9 or as to why the bank allowed me access to my accounts on XX/XX/XXXX but blocked my access on XX/XX/XXXX and did not completed my transfer from XX/XX/XXXX.
Consumer complaint received 2019-12-02
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: CITIBANK, N.A. (FL)

On XX/XX/2019, several fraudulent charges were billed to my account. 2 were picked up by the credit card company. Payment was refused and the charges removed. 3 of the charges to the same company in XXXX XXXX remained on the account along with associated foreign transaction fees. I have talked to supervisors 3 times about removing the charges. In each case I was told they are still investigating the charges but refused to credit the account.
Consumer complaint received 2018-11-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PENTAGON FEDERAL CREDIT UNION (TX)

I received a letter from a debt collector, XXXX XXXX XXXX, on XX/XX/XXXX, stating I owe money on an account I do not recognize and threatening to take me to court. The original creditor on the debt collection notice is listed as XXXX XXXX XXXX. I've contacted XXXX XXXX XXXX at least twice by phone and both times my contact information was taken and I was told I'd be contacted by their fraud department but I have not received any call back to resolve this matter. 

I have responded to XXXX XXXX XXXX via fax on XX/XX/XXXX informing them the account is not mine and is a result of identity fraud but have not received a response from them.
Consumer complaint received 2023-05-11
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. (NY)

My name is 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.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I will upload the information. I have Equifax " statements of factual proof '' I noticed I had inquiries I didnt notice. I told them many times and they claimed to look into it which was untrue. I got an alert from my bank on XXXX that I was all over the dark web with all of my information in multiple spots. They found a minimum of XXXX hits. I tried to tell Equifax, but they just say that it is mine and I now have proof that my information has been breeched again. 

I was also apart of the Equifax XXXX and this seems to be still apart of that.
Consumer complaint received 2023-03-20
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: JPMORGAN CHASE & CO. (CA)

My name is XXXX XXXX, this complaint is not made in error nor 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. Please delete the account below from my report : JPMCB - CARD SERVICE XXXX Open Date XXXX XXXX XXXX Balance : {$2500.00}, JPMCB - CARD SERVICE XXXX Open Date XX/XX/ Balance : {$2700.00}