davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2022, my husband and I contacted Chase ( we spoke to XXXX  ) to let them know fraudulent charges were made on our savings account ( {$7800.00} in total out of 26 different charges that were reflected as ATM charges, plus three {$5.00} overage fees ) as well as one ATM charge out of our checking account in the amount of {$200.00}. These charges were made from Thursday, XX/XX/2022 to Tuesday, XX/XX/2022. We were told that Chase would investigate and respond back to us in 3-5 business days. 

On XX/XX/2022, we received an electronic letter from Chase saying that our claim was denied. We called Chase back on this day to get more information ( we spoke to XXXX  ) and were told to fax in documentation that would support our claim that fraudulent charges were made on our account ( please see file entitled " Chase Claim '' ). We were told that the back office would look at the documentation and would then contact us within 3-5 business days. 

On XX/XX/2022, I called to get an update and spoke with XXXX. She told me that Chase has received our supporting documents, but was still doing research and had not made a decision. 

On XX/XX/2022, my husband and I called Chase again and spoke to XXXX, who said that Chase was still completing their investigation. He affirmed that the back office did receive our supporting documentation on XX/XX/2022. 

On XX/XX/XXXX, my husband and I called Chase again and spoke to XXXX, who then transferred us to someone whose name we did not get. This Chase representative told us that the claim had been denied as of XX/XX/XXXX. We told him that we did not understand as we had sent in additional supporting documentation, so he reached out to a supervisor to read over our claim. He reported back that Chase had concluded that my husband had actually used his XXXX XXXX to make the withdrawals. We told him that that could not be the case as he had never even added our debit card to his XXXX XXXX. The representative told us to fax in additional documentation which showed my husband 's XXXX XXXX ( see file " XXXX XXXX fax letter '' ). This was the first time we heard any sort of explanation from Chase and have never been contacted by them to get additional information. 

We still have not heard anything back as of today, XX/XX/2022.
Consumer complaint received 2023-08-15
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. (NV)

15 U.S.C 1681 section 602 A. States I have the right to privacy. 
Bankruptcy XXXX XXXX was dis charged XX/XX/2014. Docket identifier # XXXX
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

On XX/XX/2024, I wrote to you, seeking an investigation into material that I felt to be fraudulent, erroneous, or improperly reported. To date, the only response I have received is a computer-generated letter claiming that you have discontinued review of my credit reports because you believe I employed a third-party credit repair firm. Not only do I believe this is a stall tactic on your behalf to allow you an extra 30 days to comply with my original request, but I also believe it is a clear violation of the FCRA.
Consumer complaint received 2022-03-30
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. (TX)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2019-04-09
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MO)

My main issue is this loan was taken out when I was XXXX old. I'm now XXXX years old in XXXX. I just paid off my original loan amount of {$10000.00} last year. When I paid this loan off in XXXX, I still had a balance of {$7000.00}. I would still be paying for this loan if it were not for obtaining some financial help. It's just sad how long I paid for a loan that the school ended up closing because it was basically a scam school. So not only do I have an Accounting Certificate from XXXX XXXX XXXX that means nothing but I also wasted a lot of money in interest and principle paying for an invalid school. I did not know better when I signed up for this school. It's too late to take back what happened. I'm a person that pays their bills so I was never late on a payment. It's good that the school can not do this any longer, but I could finally have a sense of relief when that loan was paid in full.
Consumer complaint received 2018-09-05
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: CITIBANK, N.A. (WA)

XXXX XXXX client XXXX XXXX is a victim of identity theft ; his information was used wihtout his consent to apply for accounts and services. Applications for XXXX XXXX XXXX XX/XX/XXXX and CBNA/Best Buy XX/XX/XXXX were submitted using his information. While no accounts were established the applications left fraudulent related inquiries on his credit reports with XXXX  and XXXX. Official disputes were sent to both of these offices XX/XX/XXXX in an effort to remove these items from our client 's credit reports however as of this data neither organization has followed up with a reply ; this is a violation of the FCRA and my client 's consumer rights.
Consumer complaint received 2023-08-14
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: EQUIFAX, INC. (PA)

I am writing because I have noticed a variety of fraudulent accounts and fraudulent charges reported on my credit. I am a victim of identity theft and need these accounts and charges deleted to correct my credit report. I have reported the identity theft as well as the fraudulent charges and accounts that were found on my credit report to the Federal Trade Commissions Identity Theft Affidavit. Please have the following charges and accounts removed as soon as possible.
Consumer complaint received 2024-02-10
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. (CA)

I am writing to file a formal complaint and request an investigation regarding a collection account inaccurately reported on my credit file by XXXX XXXX XXXX XXXX. This erroneous reporting has caused significant harm to my credit score and financial well-being. 

Despite repeated attempts to resolve this issue directly with XXXX XXXX XXXX XXXX, they have refused to acknowledge the error or remove the incorrect collection account from my credit file. The account in question does not belong to me, and its inclusion on my credit report is unjust and damaging. 

I am requesting that the Consumer Financial Protection Bureau intervene and investigate this matter promptly. I urge you to take appropriate action against XXXX XXXX XXXX XXXX for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and for the harm caused by their refusal to remove the inaccurate information from my credit file. 

Furthermore, I am prepared to seek legal representation if XXXX XXXX XXXX XXXX does not immediately remove the incorrect collection account from all three major credit bureaus. This erroneous reporting has had severe consequences for my financial reputation and has unfairly impacted my ability to access credit and financial services. 

Thank you for your attention to this urgent issue. I look forward to your prompt response and resolution.
Consumer complaint received 2023-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

Please take into consideration my delayed payments during the pandemic period. I was unable to pay on time as I was without work during that time. I earnestly request your understanding and request to settle this matter.
Consumer complaint received 2020-02-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (VA)

I have asked for the company to send me something showing the services, as well as to verify the debt. Nothing has been received or validating debt. I called them today to get a date of service, I had successfully disputed this to 2 out of the 3 agencies and it was removed. The lady try to tell me in VA the creditor doesnt have to provide it so it stays valid on my credit report. She also tried to tell me its on my other reports ( as mentioned it was disputed and removed years ago ). On my credit report with XXXX  it shows a date of XX/XX/XXXX the lady claims the date of service was XX/XX/XXXX, so dates arent lining up and who even knows if this is valid ( which it isnt ) they cant even provide any information to prove the account is valid! Its a federal law not by state!
Consumer complaint received 2023-08-15
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)

I would like to bring to your attention that the reported charge-off status and the manner in which it has been presented on my consumer report are inconsistent with the guidelines outlined in 15 USC 1681eb . According to the Internal Revenue Service ( IRS ), a charge-off is classified as ordinary income and should not be reported on a consumer report. Additionally, I have not received a 1099-C form, which further indicates an inaccuracy in the reporting and constitutes a violation of 15 USC 1681eb .
Consumer complaint received 2019-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

This is the response to case # XXXX, requested info : STATUS Company responded on XX/XX/2019 RESPONSE TYPE Closed with explanation Company 's Response " Thank you for submitting your complaint on XX/XX/2019 through the CFPB Complaint Portal. Unfortunately, we are unable to proceed with an investigation of the concerns raised in your complaint because we need additional information. Please provide us with the following information : Please be specific with your concerns by listing the account names, numbers, and nature of the dispute. Please provide the requested information to Equifax Office of Consumer & Agency Assistance, XXXX. XXXX XXXX XXXX, GA XXXX. If you have any questions or require additional information, you may contact by calling a Customer Service Representative at XXXX. '' Here are the names, numbers, and nature of the disputes : ACCOUNTS XXXX XXXX XXXX XXXX paid in full/inaccurate XXXX XXXX XXXX XXXX paid in full/inaccurate XXXX XXXX never late/inaccurate XXXX XXXX paid in full/inaccurate XXXX XXXX XXXX paid in full/inaccurate XXXX XXXX XXXX XXXX XXXX {$340.00} not mine XXXX XXXX {$830.00} not mine
Consumer complaint received 2019-04-09
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. (VA)

The student loan was cancelled by XXXX college in XXXX MD for non attendance due to student XXXX  XXXX with online classes. And has billed the student for the loan amount. 

The college has returned the loan amount to the department of education for non attendance due to XXXX XXXX with online courses. 

XXXX is reporting that loan debt on credit report which is inaccurate information due to the fact that the loan amount was return by the college.
Consumer complaint received 2023-08-11
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: EQUIFAX, INC. (PA)

I have filed numerous disputes concerning these accounts, which do not belong to me, yet they continue to appear on my credit report. Additionally, I've submitted several FTC Reports regarding these erroneous accounts. Surprisingly, these companies have chosen to ignore their legal obligation to investigate the disputes, refusing to take appropriate action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-09
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

On XX/XX/2019 I purchased baby apparel for {$38.00} from Kohl 's in XXXX TN, located at XXXX XXXX XXXX XXXX XXXX. The sales representative asked me if I had any coupons and I said no. Then she asked me if I wanted to use my Kohl 's card and I said no. I told her I would like to use my credit card. And, she proceeded to tell me if I use my debit card, I can pay for the merchandise now and that will keep me from paying interest. Mind you when paying with a debit card, there is no interest. So, I said will I can go on and pay with my debit card and not worry about putting the cost on my credit card. Therefore, I gave her my debit card and she asked for my drivers license. At that time, I thought she was checking my identification. But, she proceeds to enter my license information into the register to start a credit card application and the merchant machine was asking for my credentials such as for me to verify my information and it asked for my social security number. At that time she that was the way the system could verify me. I told her to stop and give me my card and license because she was trying to trick me into opening an in store credit card. I told her that was unfair consumer practices and she wouldn't look at me. I don't know if that's the store practice but it can't be right. It is pure deception because they are trying to trick the customer into opening an account. I would like to see something done because this is very inappropriate and in my mind, criminal. Can you assist?
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (TX)

I purchased a vehicle through XXXX and they sold the contract to Bridgecrest. Bridgecrest then proceeded to unlawfully share my personal information with XXXX, XXXX and XXXX. I reached out to Bridgecrest in an attempt to resolve this situation by opting out of them reporting my information without my permission via 15 USC 6802 B, but I was told that they indeed had this right and would continue to report it. I urged to them that they were violating 15 USC 6801 ( Protection of non-public information ), 16 CFR 313.1 ( purpose and scope of non-public info ) and The privacy Act of 1974. They admitted to me over the phone that the account is charged off, which makes it a certificate of indebtedness, which is illegal to have on credit reports via the IRS. Despite all of this, they have refused to remove this from my credit report and opt me out of them reporting to the credit agencies concerning my private information. I informed them that I intend to take this manner to federal court if it is not resolved swiftly and amicably.
Consumer complaint received 2023-02-15
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: EQUIFAX, INC. (TN)

After recently reviewing my credit report, I noticed several unauthorized credit inquiries. I suspect that I am a victim of BLATANT identity theft and have contacted the appropriate authorities including the FTC and my local police department. I did NOT authorize the following inquiries listed below. These fraudulent credit checks were not obtained with my consent. Please delete immediately and send me an updated credit report confirming the removals. 
XXXX XXXX -XXXXequifax XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXequifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX/equifax XXXX XXXX XXXX XXXX XXXX XXXXequifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX/equifax XXXX XXXX XXXX XXXX XXXX XXXXequifax XXXX XXXX XXXX XXXX XXXX XXXXequifax XXXX XXXX XXXX XXXX XXXX/equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXXequifax XXXX XXXX XXXX XXXX XXXX/equifax XXXX XXXX XXXX XXXX XXXXXXXXequifax XXXX XXXX XXXX XXXX XXXX XXXX/equifax XX/XX/XXXX XXXX XXXX/equifax XXXX XXXX XXXX XXXX XXXX XXXX/equifax XXXX XXXX XXXX XXXX XXXX/equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXXequifax XXXX XXXX XXXX XXXX XXXX XXXXequifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX/equifax XXXX XXXX XXXX XXXX XXXXequifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX/equifax XXXX XXXX XXXX XXXX XXXX/equifax XXXX XXXX XXXX XXXX XXXX XXXXequifax XXXX XXXX XXXX XXXX XXXXXXXXequifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/equifax XXXX XXXX XXXX XXXX XXXX/equifax XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/equifax XXXX XXXX XXXX XXXX XXXX XXXX/equifax XX/XX/XXXX XXXX XXXXequifax XXXX XXXX XXXX XXXX XXXX XXXXequifax XXXX XXXX XXXX XXXX XXXXXXXXequifax XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXequifax XXXX XXXX XXXX XXXX XXXX/equifax XXXX XXXX XXXX XXXX XXXX XXXX/equifax XXXX XXXX XXXX XXXX XXXX/equifax XXXX XXXX XXXX XXXX XXXX/equifax XXXX XXXX XXXX XXXX XXXX XXXX/equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX/equifax XXXX XXXX XXXX XXXX XXXXXXXXequifax XXXX XXXX XXXX XXXX XXXX XXXX/equifax XXXX XXXX XXXX XXXX XXXX XXXX/equifax XXXX XXXX XXXX XXXX XXXX XXXXequifax XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-11
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: EQUIFAX, INC. (CA)

Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXXXXXX
Consumer complaint received 2018-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Over the past several months I have submitted requests via certified mail requesting proof of validation or removal of several accounts noted on my credit report. The responses I keep receiving are updated credit reports that simply state, Verified As Accurate, without proof of validation for the following accountsXXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX  # XXXX, XXXX # XXXX and XXXX XXXX # XXXX.
Consumer complaint received 2019-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (VA)

The student loan was cancelled by XXXX college in XXXX XXXX for non attendance due to student XXXX  XXXX with online classes. And has billed the student for the loan amount.

The college has returned the loan amount to the department of education for non attendance due to XXXX XXXX with online courses.

Navinet is reporting that loan debt on credit report which is inaccurate information due to the fact that the loan amount was return by the college.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN EXPRESS COMPANY (AR)

American Express keeps reporting a closed account as a charge-off! When it was paid as agreed in XXXX, I have reported this to them previously on XXXX but they continue report inaccurate information resulting in loss of opportunities for a mortgage I applied for and was u successful
Consumer complaint received 2022-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma (FL)

On XX/XX/XXXX around XXXXXXXX XXXX. I had outstanding odds on Credit Karma for a XXXX credit card. And it has already dropped my score down. Credit Karma Knows when it says excellent and outstanding it's usually approved I was immediately denied.
Consumer complaint received 2019-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Karma (NJ)

I got a report from credit karma stating I have a recent hard inquiry from a company called XXXX XXXX on XX/XX/2019. I have never heard of the company and I did not contact that company for any business or whatsoever.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Santander Consumer USA Holdings Inc. (CA)

My car stolen and I informed Santander police and Santander would not retrieve auto the Lawyer Stated insurance refund was lower than XXXX and didnt contact tow yard or me the XXXX lost keys and I paid only XXXX XXXX Santander refuses insurance and my offer of payments. Would not negotiate or communicate with me. This credit reporting leaves these facts and tells me that there is No police report for theft or that the XXXX XXXX stopped in Ca and drove thief back to Nevada border Thief reckless driving,