davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

Upon further review of my credit report all of the accounts # 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 has several violations. Ranging from incorrect open dates to incorrect information. This is ground for removal and 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 a account without my written instructions
Consumer complaint received 2022-07-21
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: EQUIFAX, INC. (FL)

writen letters sent requesting that the Credit Bureaus remove the following inquiries from my Credit Report. Nevertheless, the Credit Bureuas consciously denied and neglected the letters I sent which is a clear violation of the FCRA regultions. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling my requests should result in immediate removal of the unauthorized inquiries below : XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

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. 

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 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 seven years. 

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.
Consumer complaint received 2018-12-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (KY)

Remitly promised to deliver money within minutes. 
I paid XXXX $ but no service was provided. 

Company Name : Remitly Receipt Number : XXXX Sub, itted XX/XX/2018 Company is not giving realistic date when money will be available to be picked up. Giving fake promises. This was an family emergency this is why i sent money. 

Please let Remitly know please return the money.
Consumer complaint received 2018-04-19
Product: Credit card or prepaid 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 (SD)

On XX/XX/XXXX and XX/XX/XXXX, 271 transactions went through on my credit card totaling {$12000.00} from XXXX XXXX and I was not notified by the Navy Federal Credit Union fraud alert system for suspicious activity.

I contacted the bank for a refund of all of the charges and a reason why this was not detected by their fraud alert system.
Consumer complaint received 2018-04-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (GA)

In the process of closing on my new home the mortgage broker, XXXX XXXX XXXX, I was using email was hacked on XX/XX/XXXX. I received and an email advising me to wire my closing funds ( {$4900.00} ) to a JP Morgan Chase Bank Account : Account name : XXXX XXXX XXXX.

Routing number : XXXX   Account number : XXXX I walked into my bank XXXX XXXX XXXX XXXX to process the wire request- Wire confirmation number : XXXX XXXX XXXX XXXX OnXX/XX/XXXX I received another email requesting closing funds because the " wire was rejected. '' At that point red flags went off and I contacted my real estate agent who in turn called the mortgage broker and we determined at that time his email was hacked.

I went directly to JP Morgan Chase branch located on XXXX XXXX XXXX. The personal banker advised she could not access the account because the account was frozen. She called in to the customer service/fraud department and they advised the account was frozen for review and no information could be provided to me since it was not my account and I was not a client of theirs ( I expressed that I was a credit card holder with the bank but that did not matter ). I was instructed to get in contact with my bank to request a wire recall.

I then went to XXXX XXXX XXXX XXXX   and processed the wire recall on XX/XX/XXXX inside of the branch. Since then I have heard nothing unless I call in to check the status. I have called XXXX XXXX XXXX XXXX who states they have sent over multiple wire recalls and have only received one response stating the account is being reviewed. XXXX XXXX is telling me to contact Chase to see if I can get it resolved faster because there is nothing they can do until Chase responds. I call Chase and no one will help me because I am not a client/ account holder and advises me to contact XXXX XXXX XXXX XXXX .

Monday was my last and final time calling XXXX XXXX XXXX XXXX after this cycle of calls, back and forth, and ultimately being told this could take 6-12 months to be resolved. I previously worked in the fraud department with a local bank and this time frame is unacceptable.

I am prepared to escalate this to the attorney general and above if this is not resolved. Fraud is never fun for any of the parties or institutions involved but I am not receiving any resolution. Being told to call back in a week or 2, to wait 6-12 months, requesting multiple wire recalls is ridiculous. I am prepared to end all banking relationships with both institutions.

This complaint is for XXXX XXXX XXXX, JP Morgan Chase and XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (WA)

I sent XXXX XXXX XXXX collection a dispute letter on XX/XX/2018 asking for validation of a debt they claim I owe. it's been 3 months I haven't received any response. I sent the letter via certified mail, I have tracking number that prove that the letter was received.
Consumer complaint received 2018-12-07
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: TD BANK US HOLDING COMPANY (TN)

All inquires are from XX/XX/2018 and are fraud XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-07
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: Bread Financial Holdings, Inc. (TN)

All inquires are from XX/XX/2018 and are fraud XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-21
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: Experian Information Solutions Inc. (FL)

I am submitting this complaint to remind the Credit Bureaus of their obbligation to comply with the Fair Credit Reporting Act section 605b. I have read that the Credit Bureaus are required to remove the items that resulted due to identity theft under the FCRA section 605b. But despite all my efforts to dispute the fraudulent information on my Credit Report, the Credit Bureaus have been ignoring my letters and did not comply with the FCRA regulation. I am inclined to pursue legal action against the Credit Bureaus if the Credit Bureaus fail to comply with the FCAR statute. I need the Credit Bureaus to remove the following items completely from my Credit report : XXXXXXXX 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 2018-12-07
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: Experian Information Solutions Inc. (ID)

I am very concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Experian failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan because of this ... 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-07
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. (ID)

I am very concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the account has nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Equifax failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan because of this ... 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
+ 15 USC 1666B : A creditor may not treat a payment on a credit card account under XXXX open end consumer credit plan as late for any purpose
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (IL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
+ 15 USC 1666B : A creditor may not treat a payment on a credit card account under XXXX open end consumer credit plan as late for any purpose
Consumer complaint received 2018-04-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (CT)

SOUTHWEST CREDIT SYSTEMS , L.P . 
Last reported : XX/XX/2018 {$740.00} For some reason South West is trying to charge me {$740.00} i do not own a south west credit card and i have paid for each one of my tickets online with the use of a Debit Card.
Consumer complaint received 2018-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NY)

Approved for Chase XXXX Credit Card. At the time of application promotional materials said they gave a free night after every cardmember anniversary to any XXXX  property. Recently I recieved a letter form chase that effective XX/XX/XXXX that free night is limited to XXXX XXXX with point redemption values of <=40k. My card was opened in Late XX/XX/XXXX, which means that my anniversary will not be until late XX/XX/XXXX. that means that I will not qualify for an unrestricted free night, only for the 'limited free night '. This sudden change is unfair, and its rapid change makes their advertising deceptive.
Consumer complaint received 2018-12-07
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: Experian Information Solutions Inc. (NV)

I am very concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan because of this ... XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : XXXX   XXXX XXXX ) XXXX , XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2018-12-07
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. (NV)

I am very concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan because of this ... XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX  ) XXXX, XXXX XXXX ( Original Creditor :  XXXX XXXX XXXX ) XXXX , XXXX XXXX, XXXX XXXX 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX is reporting on all my credit reports that I had insurance with XXXX insurance which I Did but I called and cancelled my insurance because I moved to New Hampshire were I didn't have to has car insurance. Car insurance is not required in New Hampshire. The are saying I didn't call and cancelled and they just automatically renewed my insurance even though I didn't want them to. I want proof that I didn't call and cancel I cancelled asked for proof under credit section 690 they must provide me proof I didn't call and cancel if the can't prove I didn't call the must delete from credit reports immediately
Consumer complaint received 2019-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Experian Information Solutions Inc. (MI)

I signed up for a membership with www.experian.com to check my credit scores. I canceled the services XXXX months ago. As of today XX/XX/2019 this company has continued to charge my credit card {$30.00} per month.
Consumer complaint received 2018-12-07
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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

In XX/XX/XXXX I certified mailed a dispute letter to Capital One Bank to dispute accounts that were showing up on my credit report. I have attached my initial letter, the copies of the signature card information from where their company had signed for my letter dictating all that I was disputing, and began the clock of 30 days to place disputed remarks of my dispute on my credit reports. There are many violations that I will be submitting in a court of law, as well as laws that the company broke in not upholding the standards set before them from the FCRA, and the FDCPA. I have pulled my credit from all 3 credit bureaus and have attached the proof for you to examine that the credit reports are time stamped 31 days after they signed for my letters, and one of the major violations they totally neglected to do is mark my accounts as disputed on my reports and/ respond with court approved documentation within the time frame with verifyible documents that would hold up in court that the debt was in fact my debt. I demand that they remove the debt reporting to my credit report immediately, and that you as well as the attorneys general offices, and XXXX hold them accountable for the noncompliance of these said violations and laws that have been broken. I want them removed, and it is my rights. My letter clearly explained what I would do if they did not respond accordingly. I have a well documented case and have all intentions of taking care of it legally if they do not comply.
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

On or around XX/XX/2022, I filed a complaint against the credit bureaus credit reporting and improper use of my credit report. The bureaus response to my complaint was that they would " re-investigate my consumer report '' for the accounts that I listed is violating my rights and would respond back within 30-60 days.

According to the FCRA the term " investigate a consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he/she is acquainted or who may have knowledge concerning any such items of information. 

They stated that my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

Acct 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 2018-04-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: HEARTLAND PAYMENT SYSTEMS INC (CA)

I have been paying on time since XX/XX/XXXX. My last payment was accepted XX/XX/XXXX as XXXX was transitioning to XXXX. Now that XXXX is servicing my loan I can not log in, and the system is not recognizing my social security number. I can't access a human being on the phone line because, again, the system isn't recognizing my social. I necer received any email from Conduent after this initial email from XXXX> Here is the last correspondence I received regarding my loan : Dear Borrower, This is to notify you that as of XX/XX/XXXX XXXX XXXX XXXX is no longer servicing your Campus-Based Student account ( s ). You should have received notification from your Lending School and/or the new servicer with your new contact information for this debt. 

If you have not received notification regarding a new servicer for your account, please contact your Lending Institution directly. 

Sincerely, XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

I am writing to inform you that I have been a victim of identity theft. This happened due to numerous data breaches that have occurred in recent years. As a result of this theft, two checking accounts have been opened without my knowledge or permission : one from XXXX XXXX XXXX XXXX and the other from XXXX XXXX XXXX XXXX. 

I have submitted a copy of the FTC Affidavit as supporting evidence of my claim. I am now in the process of filing a police report and taking legal action against the perpetrator.

I am requesting that you investigate this matter as soon as possible and take the necessary steps to remedy this situation. I am also requesting that you inform me of any additional measures that need to be taken to protect my identity. 

Thank you for your time and attention to this matter.
Consumer complaint received 2018-12-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (MI)

I am a previous XXXX customer. I closed my XXXX account ( XX/XX/18 ) and paid the ending balance ( {$140.00} ). The balance was not overdue/delinquent. My final bill was paid in full. XXXX informed me that my account was NOT in collection or sent to collections as delinquent XXXX XXXX XXXX has sent me a collections notice with the exact amount owed to XXXX ( {$140.00} ) when account was closed XX/XX/18. They are preemptively attempting to collect a debt and harm my credit by unscrupulously attempting to extort funds from me not owed to XXXX. 

Again XXXX did not report my account as delinquent and in collections or send my account to XXXX XXXX XXXX for collection