davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-10
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. (SC)

I am a victim of identity theft. Someone has access to my personal information and is ruining my credit. I have no knowledge of what or who this could be. I filed an FTC report and sent an Identity Theft Victim 's Complaint and Affidavit, notarized with certified return card. I haven't gotten any mail notifications from the Transunion from my previous complaints filed here and sent through certified mail.
Consumer complaint received 2024-02-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION (GA)

I, XXXX XXXX XXXX XXXX, hereby file a formal complaint in good standing faith with the Consumer Financial Protection Bureau regarding the grave incidences of identity theft, forgery, and fraud perpetrated by former employees of my company, XXXX XXXX XXXX and XXXX XXXX XXXX. Their actions, involving the illicit use of my personal information, have resulted in significant financial losses and emotional distress for me. The betrayal of trust by these individuals, who were entrusted with confidential company data, has had detrimental effects on my personal and professional life. 

**Incident Description : ** Numerous attempts have been made to address this identity theft, forgery, and fraud case, but the response from the banking institution has been lacking in fairness and resolution. Upon discovering unauthorized activities on my consumer file disclosure reporting accounts, investigations revealed that XXXX XXXX XXXX and XXXX XXXX XXXX unlawfully accessed my personal information to open fraudulent accounts, including : 1. **Navy Federal Credit Union** - Account Opened : XX/XX/2014 - Account Closed : Upon my request of calling in to shutdown the fraudulent account with undisclosed funds- Total Amount : Unknown - Navy Federal Credit Union XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX Contact Number : ( XXXX ) XXXX The consequences of their malicious actions extend beyond mere financial losses ; they have inflicted profound disruption on both my personal and professional life. The breach of trust by XXXX XXXX XXXX and XXXX XXXX XXXX has shattered my confidence in financial institutions and compromised my fundamental sense of security. 

**Recent Developments : ** While XXXX XXXX XXXX was apprehended by the XXXX XXXX XXXX XXXX XXXXXXXX, resulting in the recovery of some information, XXXX  XXXX XXXX was apprehended last XXXX, and no pertinent information was retrieved. 

**Request for Action : ** I urge the Consumer Financial Protection Bureau to conduct a thorough investigation into this matter and take decisive action against the individuals responsible for perpetrating this egregious identity theft, forgery, and fraud. Additionally, I seek your assistance in rectifying the fraudulent accounts established in my name and implementing stringent measures to prevent the recurrence of such malicious acts. 

Your prompt attention to this matter is sincerely appreciated. I anticipate a swift resolution to restore my financial security and peace of mind. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

We mailed a check to IRS for {$25000.00} on XX/XX/XXXX. Several days later we have received a call from XXXX  XXXX XXXX informing us that someone tried to deposit a fraudulent check but it was caught. Our check to IRS was intercepted through the mail system, washed and rewritten. XXXX has informed us that the funds were safe and we just need to let XXXX ( our bank ) know to process the request for refund. 
We have notified XXXX immediately and opened a claim. The claim has been mishandled over and over. Initially, submitted documents were not being added to the claim despite two bank branch submissions. After nearly 3 months of followups and revisiting, XXXX closed the case stating that funds were refunded, which was incorrect. So the case has needed to be reopened. It was not until middle of XXXX that XXXX has finally submitted a request to XXXX  for the refund. Upon multiple followups, we were informed that this process can take months as banks take their time in responding. It is not clear why. As of today, we have received a letter stating that if within 90 days, the case would be closed. This is despite the fact that claims respresentative has informed me that we will have to wait, as the case may take time. And apart from not taking proper action for nearly 4 months, XXXX is still not providing us an update It appears that both XXXX and XXXX are being deliberately inattentive so that they do not have to refund the {$25000.00} It would be appreciated if you could help us with this case
Consumer complaint received 2022-12-02
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. (SC)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/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 XXXXXXXX XXXX XXXX 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 2021-06-12
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. (MA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. XXXX feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX 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 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Atlanticus Services Corporation (SC)

According to the FCRA, all information on my credit report must be accurate, complete and verifiable. I believe the reporting of discharge off is in accurate and incomplete, for the following reasons charge is considered as income on the IRS rules a charge of may be considered income for tax purposes when the creditor writes off the debt and issues a form 1099C for the forgiving amount. This implies that the debt has been forgiven and should not continue to Impact my credit report negatively reporting this charge off without indicating that he has been forgiven, creates an incomplete and misleading picture of my credit worthiness. Section 611 of the FCRA, I am requested verification of accuracy of this charge off. Please provide documentation that confirms the legitimacy and accuracy of discharge off, including any form 1099-C issued by the creditor. If you are unable to verify the accuracy, incompleteness of this information, the charge off must be promptly deleted from my credit report.
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX 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 an account without my written instructions.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX  XXXX acct # XXXX, XXXX XXXX # XXXX, XXXX XXXX  acct # XXXX, XXXX XXXX XXXX, XXXX acct # XXXX, XXXXXXXX XXXX  acct # XXXX, XXXX XXXX  acct # XXXX, XXXX acct # XXXX. 
However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. AS WELL AS THE ACCTS DONT BELONG TO ME 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. PLEASE REMOVE FROM MY ACCT
Consumer complaint received 2022-02-23
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)

I have a lot different name on my account.

They wrote

my name in so much different way I would like to delate those names and just have on in the correct way. Also the address if you can delate my old addresses and just leave the recent one. Im working on my mortgage house and, Im having some issues whit it because of that
Consumer complaint received 2021-06-12
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. (MA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-02-23
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. (TX)

all inquiries on my credit reports are fraudulent and the accounts listed on my FTC report is also fradulent. please remove this is a real hassle for me trying to get my credit profile back secure. please delete all fraudulent information
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

1666d - If there is a balance of credit or insurance of the account in connection to a consumer credit transaction with a surplus over XXXX XXXX, this account should be credited in the amount of the credit balance, upon request, the remaining balance of the amount should be refunded to the consumer, by cash, check, or money order. The amount can not be known without knowing the journal and ledger entries of the account from the date of account opening as described in Publication IRS 583.

AFFIDAVIT Notice, it is a fact, affiant has reason to believe and do so believe, pursuant to 15 U.S. Code 1666d if there is a credit of account balance with surplus over XXXX XXXX in accordance to the journal and ledger entries described in IRS Publication 583, the amount balance should be credited and the remaining balance must be directed to I, the consumer by check. The documentary evidence must be provided to clarify this amount as this is a formal instruction in accordance to 15 U.S.Code 1666 ( b ) ( 2 ) to provide the documentary evidence which includes books of account in accordance with 15 U.S.Code 44 to resolve this billing error.
Consumer complaint received 2022-02-23
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. (IL)

In accordance with Fair Credit Reporting act 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 stat
es a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have been dealing with a really bad case of identity theft over 10 years now. Ive been trying to fix my credit and get my score above 750 but it seems like that the credit bureaus dont want to help me out I first the credit bureaus all had my wrong name they had my grandfathers name with my Social Security number my grandfathers name is XXXX XXXX my name is XXXX XXXX XXXXXXXX . I have multiple increase there for multiple banks for multiple loans for multiple vehicles for multiple credit cards all days apart and have no idea where theyre from and I kept trying to contact the bureaus and charge to dispute it with them but they told me to contact each inquiries individually.
Consumer complaint received 2021-03-10
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

On XXXX the XXXX or XXXX I received XXXX XXXX XXXX in the mail that I did not apply for. One of the cards had someone else 's name on it. I called the card company and had them cancel the account. Master Card advised that the account was opened on XX/XX/2021, and no charges had been made on the account. Master card advised that they had my social security number and date of birth. The Master Cards were taken out under the name of XXXX XXXX.
Consumer complaint received 2021-06-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (TX)

I was granted an extension to pay my car payment for XX/XX/2021 and XX/XX/2021. In spite of my regular payment being extended and documented, Chase Auto Finance reported my late for the month of XXXX which caused me to lose 55 points on XXXX, 33 points on XXXX  and 43 points on XXXX. I should not have been reported late if Chase agreed to extend the payment. It is unfair to the consumer for a finance company to agree to defer payments, then still report the consumer late during the agreed upon deferrment period. That is technically breach of their own agreement.
Consumer complaint received 2022-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I have decided to file complaint for myself in hopes that the back and forth ends here. I have already open a case with the XXXX XXXX Courts to assist me with the suffering this has caused. I had to do my own research into the matter and I find that the credit reporting agencies reporting fraudulent accounts to my credit file and listing incorrect payment history ( late payments ) without my permission is a consumer law violation per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX are accounts opened that are either not mine or reporting incorrectly in the negative. There are several unauthorized hard inquiries that I have no knowledge of nor did I give consent for that either.
Consumer complaint received 2022-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (MD)

I was scammed by a company pretending to be a music marketing company ( XXXX page linked to a fake website ( which is now turned off in addition to the contact number ). 

When I discovered the company was not real, I attempted to reach out to the email address and phone numbers I had for the company - with no responses ever being received. I, then, obtained an attorney to send a Demand letter to the company via the contact methods that were listed. Again, no response AND the XXXX XXXX XXXX informed the address the company was using as their was not and NEVER has been affiliated with the company or the person listed as the CEO and was not an entertainment company at all. 

I then contacted XXXX regarding how to initiate the refund/pull back from the transactions, who informed me that would need to be initiated by my financial institutions because the contact number listed for the XXXX account was no longer in service for the merchant. XXXX informed me to contact my financial institutions because they could reverse the transactions via a dispute for the charges. 

When I contacted PNC and XXXXXXXX XXXX  both have refused to reverse the transactions, even with the supporting documentation from the lawyer where it was determined the company was a scam/ponzi scheme. However, PNC approved and refunded the payments that were made from my credit card that were also involved in the scam and paid thru XXXX ( unsure how one account can approve the scam transactions, and the other account with the same financial institution are declined ).
Consumer complaint received 2022-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/2021 I XXXX XXXX sent a letter saying there are wrong and unknown things on my credit report. It has been over 45 days later I have not received a response yet. I feel like i am being wrongly treated and ignored of my disputes. I believe failure to look into these items within 30 to 45 days gives a reason to quickly remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be delete immediately or I will file for a case due to the distress caused to me. I have repeatedly tried resolving this issue and I have already filed an FTC report as well as attached my Identity theft Affidavit as well. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-08-20
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (MS)

We applied for a health credit card. The credit card is CareCredit. The card offered 6 months interest free. The card was used on XXXX date of XX/XX/XXXX. The facility used {$400.00} for XXXX  expenses and {$400.00} for the facility on that day. The promotion was for 6 months interest free, which ends in XXXX. The interest would start in XXXX of XXXX if not paid in full. The interest starts and we continued making the regular monthly payments. When the month of XXXX came two separate interest charges were billed to the card. The monthly charge and a large interest charge of {$120.00}, the came from a second promotion of a twelve month interest free that was placed on one of the {$400.00}, billed on that same day. The representative said it was two separate promotions but it only suppose to be one. We dont understand whats going on.