davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-04
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. (FL)

Upon checking on my credit reports, I spotted some unauthorized and fraudulent inquiries that needs reporting and correction through your company. I've never authorized anyone to open these inquiries and I have not initiated any transactions to these companies.
Consumer complaint received 2023-08-19
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: CITIBANK, N.A. (MA)

Over 2 days I had 2 hard inquiries on my credit report from Thd/Cbna that were made, that weren't me, and I gave no permission, and am no co signer of any kind! 1 hard inquiry was XXXX, 1 XXXX. The company is located in XXXX Tennessee, I've called repeatedly, but theres no custom service, and no live agent to speak with! I fear this may be identity theft, or possibly a debt collector making illegal hard inquiries on my credit report! The dates of these instances were around XX/XX/XXXX of XXXX separate hard inquiries
Consumer complaint received 2022-08-27
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. (AZ)

The credit bureaus stated my account is as properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-10-17
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. (CA)

Unauthorized charges that were made on my account. The following charges were not authorized, and the company just took the funds out of my account : XX/XX/23 : XXXX XX/XX/23 : XXXX XX/XX/23 : XXXX XX/XX/23 : XXXX
Consumer complaint received 2020-02-05
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. (TX)

Equifax ; XXXX  and XXXX  are reporting incorrectly a balance due of {$4700.00} as well as the account having been late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was deemed a total loss. I have attached a copy of the TOTAL LOSS CONFIRMATION LETTER dated XXXX from XXXX XXXX XXXX Companies. This letter declares that the vehicle has been deemed a total loss due to a collision and that the lien has been paid off. This incorrect reporting of a balance due and lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-08-01
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. (CT)

This is my second 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 alleged fraud or extortion XXXX XXXX XXXXXXXX Balance Owed : {$910.00} XXXX  XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$8100.00} XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX
Consumer complaint received 2022-08-27
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)

On XX/XX/2022 I received an alert from my credit monitoring service in reference to a new account. I opened my report and found a new account that was open on XX/XX/2022 for a company called XXXX dropping my score XXXX points, I am in the process trying to buy a home and this just may have destroyed it for the time being. I called the the number listed on the credit report of ( XXXX ) XXXX that directed me to a recorded sales pitch for a medical alert bracelet. I researched XXXX XXXX XXXX ( XXXX ) XXXX when calling this number it states it is XXXX but they are closed despite being a Saturday at XXXX. I sent an email to the company, I found on the XXXX site this is an ongoing issue with this company allowing fraudulent cards to be opened. This also states it is a " secured '' card.
Consumer complaint received 2022-09-15
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

On XX/XX/XXXX, I was contacted by an individual named XXXX XXXX who was posing as a recruiter at XXXX XXXX, a sportswear retail company, and he said he was impressed with my work on XXXX and wanted to conduct an interview with me for a job opening via XXXX. On XX/XX/XXXX, I was ready on XXXX which I tried to call the person, no response, I then tried a video call, the call was rejected, then I texted him which he responded that he will begin the interview which was entirely text-based. He brought up the overview of the company, culture & diversity, job brief, responsibilities, requirements and benefits, and he even asked questions that would be used in an job interview which I answered the best of my ability. After answering the interview questions, he said that he will bring the results to the team and follow up the next day which on XX/XX/XXXX, he said that I got the job and he sent me documents to sign, XXXX of the company and the job position to sign in accepting the job and the other being a W-4 for me to fill out which contained personal details such as my address, SSN and more. Then on XX/XX/XXXX, he emailed me XXXX checks of large sums, XXXX being {$9500.00} and the other being {$6300.00}, that he said I would need to deposit via XXXX XXXX and transfer to a " accredited vendor '' of the company to get the work materials. After depositing the the first check which was {$9500.00}, the individual wanted me to transfer the money through Cashapp or XXXX which neither worked so he had me do a domestic wire transfer of {$9500.00} of my checking account to the recipient " XXXX XXXX '' at the XXXX XXXX XXXX. It was also at this moment that I reached out to XXXX XXXX on XXXX to ask him about the situation. On XX/XX/XXXX, the real XXXX XXXX on XXXX reached out to me that I need to call the bank and report to federal agencies to stop the transfer. So I called the bank to do a wire transfer recall that was sent to XXXX XXXX XXXX and then filed a report to the local police authorities. I also filed a IC3 report to the FBI and the another report to the FTC. Unfortunately the wire transfer recall didn't make through, but they said they had an investigation into the fraud/scam.
Consumer complaint received 2023-08-23
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: DISCOVER BANK (FL)

Hello, This is the third complaint that I am filing against Discover it card. It has not been solved. I was not in the country and my card was being charged, I provided them proof that I was in XXXX and not in the USA, but they continued charging me and did not reimburse me for these charges. The charges were equal to {$17000.00}, and I saw this when I returned to the US. I provided everything to them about the charges and how it was not made from me but they are no help. It has been almost a whole year since I have been disputing this and nobody has helped. {$17000.00} is not a small amount, so I need to be reimbursed!
Consumer complaint received 2018-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

The names of XXXX XXXX XXXX or anything XXXX related are not mine and are of the woman who stole my identity. I have been trying for 2 years to get this corrected. This included several certified letters with social security card, drivers license, police records etc. Also any hard inquiries from XXXX and XX/XX/2016( e.g., XXXX, XXXX XXXX, XXXX etc ) need to be taken off report.
Consumer complaint received 2021-05-09
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Date : Thu, XX/XX/XXXX at XXXXXXXX XXXX Subject : Inoperative Alarm w/ over 20 messages from ( XXXX ) To : XXXX XXXX XXXX To whom it may concern : To Ms. XXXX XXXX, I'm exercising my right from the last paragraph from the back of the payment coupon statement : Your rights If You Are Dissatisfied With Your Credit Card Purchases ... by not to continue to make payments for the rendering services of XXXX XXXX/ ( XXXX XXXX ). For the inoperable security system that was placed in my home on XX/XX/XXXX. We have constantly requested for reinstall are security XXXX XXXX/ ( XXXX XXXX since XX/XX/XXXX ) from XX/XX/XXXX to present, and now are bedroom window and the back door since XX/XX/XXXX to Ms.  XXXX XXXX XXXX ( XXXX ). My wife had expounded why she had great concerning for the safety of her grandson in bedroom 2. On XX/XX/XXXX the front door had set off a Pending Alarm ... and there was not one call from either XXXX XXXX XXXX / the Sheriff Office investigating the Pending Alarm. Attaching documental supportive evidences
Consumer complaint received 2021-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, CT XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX, IN XXXX XXXX  XXXX XXXX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, CT XXXX
Consumer complaint received 2020-02-05
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: Experian Information Solutions Inc. (TX)

XXXX  ; Experian and XXXX  are reporting incorrectly a balance due of {$4700.00} as well as the account having been late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was deemed a total loss. I have attached a copy of the TOTAL LOSS CONFIRMATION LETTER dated XXXX from XXXX XXXX XXXX Companies. This letter declares that the vehicle has been deemed a total loss due to a collision and that the lien has been paid off. This incorrect reporting of a balance due and lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-08-01
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. (NJ)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-08-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Grain Technology, Inc. (MS)

This has been ongoing since XX/XX/2021 and current. Grain has lost connectivity mysteriously upon several occasions and indeed timely also to even create this entire long drawn out experience. Grain has also charged a 10 % fee before the small payment was reflected current. Which increased to an extra {$2.00} of inaccurate fee on a date that the new policy wasnt in effect. There has been numerous emails in correspondence with Grain yet at this present time would like to request an asking of forgiveness or relief of the inaccurate reporting of late delinquent derroragatory remarks prior and after the account was brought to positive good standing. Also a return of the security deposit in the amount of or equal to < {$200.00} returned to the linked checking account. The account password be reset and working properly and the updated information corrected with a reporting of closure of the account within and no later than 30 days from the date of this submission or whichever comes first. Thank you and I look forward to a favorable outcome.
Consumer complaint received 2024-03-04
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: EQUIFAX, INC. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer
Consumer complaint received 2019-01-03
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. (CA)

I notified Chase on XX/XX/XXXX that I wanted to block all charges from XXXX XXXX and I disputed a charge for {$490.00} due to false advertising, failure to deliver according to the terms of an agreement, misrepresentation of services. 

Chase initiated the dispute and blocked XXXX from charging my account. On XX/XX/XXXX, XXXX charged my account {$500.00} and I disputed it with Chase. Chase informed me the credit card company would not intervene with any disputes with XXXX and validated all charges on my account including the {$500.00} charge. 

I notified the credit card company that I no longer agree to pay any charges to XXXX on XX/XX/XXXX and Chase still authorized and validated charges. The dispute customer service agent said that I should've changed my account number when I called in for the initial dispute because XXXX could change its address or name and rebill because the company has my card number. This was never advised during my initial call to dispute the {$490.00} charge. Chase sent me a copy of the XXXX agreement and stated it would not intervene with a service agreement which contradicts Chase 's financial services agreement with me. XXXX misrepresented itself and lied to me. I disputed the {$500.00} Further, Chase has communicated in an aggressive and unprofessional manner as if I am not its financial customer. It has stopped sending me statements, altered my online statements and email addresses ; has refused to send statements to me ( I was assessed a late fee but Chase never mailed me a statement ) because my attorney sent a demand letter. I paid everything but the XXXX charges which left a {$990.00} balance on my card. I do not use the card for anything but a monthly membership of {$24.00} and no my balance is over {$1500.00}. My online statements do not go beyond XX/XX/XXXX. I have paper statements in a file box which I will retrieve soon. 

Chase needs to handle the dispute fairly. I have proof that XXXX lied and misrepresented the terms of our agreement. I have emails and screenshots that Chase refuses to acknowledge. I feel like Chase is representing XXXX or they have a crony relationship that is being protected and served.
Consumer complaint received 2021-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (CT)

I applied for a Chase Freedom credit card from Chase Bank ( ref number XXXX ) in XXXX. I have a fraud block on my account. On XX/XX/XXXX, I received correspondence Chase requesting that I release my credit report and contact the bank. I succesffully did so, resulting in a hard inquiry on my credit. Then, on XX/XX/XXXX, I received further correspondence from the bank indicating that I had 14 days to call them to further confirm my identity. I called the phone number provided ( for Chase Fraud Services @ XXXX XXXX more than 25 times in the ensuing two weeks. Each time, I was met with a recording indicating that the wait time to speak with a representative was " greater than 50 minutes. '' On three of these occasions I waited on the line for more than 70 minutes and never got through. 

Note : I eventually went to a branch to see if they could help. I spoke with Ms. XXXX at the XXXX CT branch. She confirmed my identity and then helped me to get through on an internal ( different ) number. After a 30-minute wait and further validation of my identity, I was informed that I would have to re-apply! My application had expired because I had been unsuccessfull in reaching the bank during a 14-day window after I received the second letter.

It seems patently unfair that Chase should accept my application, check my credit ( negatively impacting it ), and then set conditions that are impossible to meet to complete the application process - namely to contact a group within the bank that is so inadequatly staffed as to make contacting them impossible within the time frame provided. I believe Chase has acted in bad faith in this transaction.
Consumer complaint received 2022-08-27
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)

This is NOT a Duplicate report and this is not filed by a 3rd Party. 

In accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX XXXXXXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX ) Account XXXX XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX
Consumer complaint received 2021-08-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (PA)

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedback about this concern. Please investigate and remove it from my personal credit file. Thank you.