davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-26
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. (TX)

I have tried multiple times to have fraudulent information removed. It has been to no avail. I have submitted the identity theft affidavit and an APPROVED police report and the bureau refuses to follow the FCRA. I fee like they are trying to make the call that the police report isn't accurate when that his not what they are required to do by law. The police authorities deemed is valid and APPROVED it therefore the bureaus needs to comply with the FCRA instead of blatantly break the FCRA laws.
Consumer complaint received 2023-07-19
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: BOK FINANCIAL CORP ()

Date XX/XX/2023 {$1500.00} actions : tried to contact Bank of Texas, BOKF, NA On mentioned date I did transaction of {$1500.00}, on that exchange rate was XXXX but on paper before wiring the amount they have pre fixed exchange rate XXXX and by loosing {$63.00} approximately over and above of transfer fees {$20.00}
Consumer complaint received 2023-04-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-07
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. (TX)

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX.
Consumer complaint received 2019-06-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

this debit of is result of identity theft thruogh XXXX XXXX. I contacted the collection agency and I told them i have letter from the XXXX i dont owe the money and to fax to them but they wont let me and they sent a letter i still i owe the money.
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2024-03-04
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. (TX)

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 2023-07-20
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: JPMORGAN CHASE & CO. (TX)

On my XXXX  credit report i have 2 hard inquiries on XX/XX/2023 and XX/XX/2023 from XXXX XXXX XXXX I also have 5 soft inquiries from XXXX XXXX for the same days. 

On XX/XX/2023 i have a hard inquiry from JPMCB Card along with 1 soft inquiry on the same day. 

I also have 1 hard inquire from XXXX XXXX XXXX and 2 soft inquiries for the same day of XX/XX/2023. 

All these are duplicates and are not accurate. These companies ran my credit multiple times without my permission resulting in multiple inquiries on my account. These applications were for pre approvals which they assured me would be a soft inquire and not a hard one. However, weeks later, the inquires say they're hard. This is not accurate representation of my account and i want the hard inquiries removed because these were suppose to be soft inquiries, hence why we have so many soft inquiries from the same companies on the same dates. I believe this was a mistake on their part and id appreciate it if they removed the duplicates.
Consumer complaint received 2021-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (AZ)

I AM DEMANDING THAT SAGESTREAM AND LEXIS NEXIS AND INNOVIS REMOVE SECURITY FREEZES AND THEN TO SUBMIT A FULL CONSUMER DISCLOSURE REPORT FROM ALL DATABASES! PLEASE SUBMIT IN USB IF NECESSARY TO XXXX XXXX XXXX XXXX # XXXX XXXX AZ XXXX
Consumer complaint received 2021-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (AZ)

I AM DEMANDING THAT XXXX AND LEXIS NEXIS AND XXXX REMOVE SECURITY FREEZES AND THEN TO SUBMIT A FULL CONSUMER DISCLOSURE REPORT FROM ALL DATABASES! PLEASE SUBMIT IN USB IF NECESSARY TO XXXX XXXX XXXX XXXX # XXXX XXXX AZ XXXX
Consumer complaint received 2018-04-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (FL)

XXXX XXXX is a company I never signed a contract with. They are trying to collect a debt that I never had with them. The company charge off a debt and it has ruin my credit and I don't know who they are. Can you please help me because this is stopping my process in buying a house.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to dispute the accuracy of information on my credit report. After a thorough review, I have identified fraudulent accounts that have been incorrectly reported. Please investigate and rectify this matter promptly. I attached the letter with the FTC.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXXXXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2021-10-19
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)

I HAVE SUBMITTED COUNTLESS DISPUTES REGARDING FRAUDULENT AND INACCURATE INFORMATION. 

XXXX XXXX XXXX  XXXX, I WAS NEVER LATE, I AM DEMANDING THAT THIS LATE PAYMENT IS REMOVED IMMEDIATLEY!
Consumer complaint received 2018-04-19
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. (SC)

I have asked all three credit bureau 's to remove the public record from all my credit reports because it is a clear violation of the Fair Credit Reporting Act and they are claiming to get information from the Bankruptcy Court. They claim to get information directly from the courts. I have attached documentation from the court and from all three credit bureau 's. XXXX had removed the public record then they re-inserted it causing my fico score to suffer.
Consumer complaint received 2023-05-07
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. (NY)

I recently submitted a claim with a credit reporting agency about the accuracy of a debt that states the account is in past due. The account shows a charge off status in XXXX of XXXX on XXXX bureau but continues to report as a charge off in the current months. I have not ever received a 1099c for debt cancellation. Why is this account being reported with XXXX different dates of last activity? Delete account for inaccurate reporting. 
Date of last activity on this account shows current, which is inaccurate. The past due balance is inaccurate since a charge off account can not have a past due balance
Consumer complaint received 2021-04-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

On the evening of XX/XX/2021, purchase of XXXX  Coins to add to my existing Bitcoins portfolio including cash. 

When I checked my portfolio balance in the morning of XX/XX/XXXX my account / Portfolio balance was {$0.00} had a zero balance. 

No Coins. No money left in my account. No transaction history to show where the money went. 

I have proof of previous balance and purchase ( s ). 

Where did my assets go?
Consumer complaint received 2021-10-19
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. (PA)

I submitted a complaint against TransUnion on XX/XX/2021 and I still to this day have not received a response and I am completely outraged! 

1. Unauthorized use of my credit report. 
2. The credit reporting agency took well OVER 60 DAYS to respond to me and I still have not received a response. ( 100 % Failure to uphold FCRA laws! ). I sent my letter on XX/XX/2021, I filed a complaint on XX/XX/2021 with the CFPB, and it is now XX/XX/2021 and still no response from TransUnion or changes to my credit report. 

This company is absolutely according to the FCRA in violation!
Consumer complaint received 2023-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (AZ)

I called Chase Bank after i realized they were charging me interest on balances for daily purchases even though these purchases were being paid off in full each month. However i received a loan from my credit card the year prior for 0 % interest and 0 payment for 1 year ending XX/XX/2023. Instead of applying my payments to my daily purchases chase bank was choosing to apply it to the loan on my account. This resulted in me being charged {$80.00} a month interest over the 12 months for my daily purchases. I explained that these monthly payments should be applied to my daily purchases and not the loan as it is not yet due. The customer service rep hung up on me.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (FL)

In accordance with XXXX compliance standards, I kindly request that you provide me with the XXXX compliance disclosure governing the reporting of transactions to a consumer reporting agency. 
Furthermore, I insist on the immediate removal of the transactions reported in XXXX and XXXX from my consumer reports, as they are in clear violation of federal law. 
Before you consider responding with a request for validation, please understand that my query does not pertain to validation or verification. I expect no further delay in addressing these pressing concerns. 
Additionally, I draw your attention to 15 USC 1666b ( a ), which explicitly states that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Given this provision, I reiterate my demand for the deletion of the above-mentioned transactions from my consumer reports.
Consumer complaint received 2023-07-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I am writing to lodge a formal complaint against Bank of America regarding an incident that has caused severe inconvenience and financial hardship. As a valued client of Bank of America for the past 20 years, I am disheartened by the treatment I have received in light of this situation. 

In XXXX, my Bank of America account experienced a sudden and unexpected reversal of funds from a claim that was filed in XXXX of the same year. This reversal led to my account balance being deemed insufficient, which has had significant repercussions on my financial stability. 

I wish to highlight that over the course of my two-decade relationship with Bank of America , I have filed only three claims, reflecting my responsible and diligent use of their services. Despite this long-standing association and my infrequent need for claims, the bank 's decision to reverse the credited funds in XXXX came as an unexpected blow. 

The claim in question was related to transactions made with an online casino, whose information was stored in my memory and also conveniently saved in the credit card details on my phone app 's wallet. As an experienced and loyal customer, I believed that Bank of America 's robust security measures would safeguard against unauthorized transactions. Moreover, I had taken measures to protect my credit card information through secure means. 

Given my extensive tenure with Bank of America, I genuinely expected a more proactive and supportive approach from the bank in handling this matter. The reversal of the funds has caused me immense stress and financial strain, as it left my account in an insufficient state, resulting in additional charges and fees. 

I urge the Consumer Financial Protection Bureau to intervene in this matter and ensure that Bank of America thoroughly investigates the circumstances surrounding the reversal of funds from my account. Additionally, I seek fair compensation for the distress caused, as well as reimbursement for any associated fees or penalties incurred due to the insufficient account balance. 

I trust that the CFPB will address this complaint with the utmost diligence and attention it deserves. As a long-standing client of Bank of America , I hope to see a resolution that not only rectifies the immediate situation but also reinforces my faith in the bank 's commitment to customer satisfaction.
Consumer complaint received 2017-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (OK)

This is the 4th time in the past year that someone has attempted to open an AMAZON.COM Visa Signature Card in my name with my old address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Each time I get a letter from Chase back with their letterhead. I contacted Chase and they said without a credit card or account they can not help me. I also contacted Amazon and they said they do not handle credit cards. Each time the letter says that they need more information to process the card. Since it has happened 4 times, I am very worried. The most recent Chase letter has the reference number : XXXX.
Consumer complaint received 2016-11-30
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

My BOA debit card was lost/stolen. When I realized I called BOA who froze the card and issued a new XXXX. The thief was using it around town. I disputed the charges but today BOA said no fraud occurred and I am liable for the charges. I am upset that the card I had was able to be used with out a PIN and that they do not believe me that the card as stolen.
Consumer complaint received 2016-01-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Capital Management Services, LP (GA)

My name is XXXX XXXX. I became a victim of identity theft. My health insurance company, XXXX notified me that my personal information was compromised. Since then, somebody tried to get my tax refund and opened several credit cards with using my personal information. I had filed a police report and even asked for investigation to FBI. As such, XXXX provided me free credit monitoring services and I had been monitoring closely any suspicious activities. The original creditor, XXXX XXXX XXXX Bank opened a credit card without even checking correct spellings of my name. The identity thief used incorrect spellings of my name like " XXXX XXXX '' and that account was opened in out of state while I was residing in XXXX XXXX XXXX XXXX Bank should had hired a private investigator to catch the identity thief with the same money have spent on hiring a debt collect, " Capital Management Services , LP '' to harass the victim of the identity theft.
Consumer complaint received 2023-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (SC)

On XX/XX/2023 several accounts were detected by equifax and my a credit report was updated as such. 
On XX/XX/2023 Equifax reported 24 changes to my equifax credit report bringing my credit score down to XXXX. Sharing that 24 accounts were closed becoming consumer deceased. I am XXXX  not deceased. I called and the issue seemed to be corrected. 
On XX/XX/2023 I applied for a timeshare, and my credit report appeared to be locked, I contacted the three major credit reporting agencies and after some time I was able to confirm that my report was not locked, nor where there any alerts or anything that should keep me from obtaining what I applied for. 
However equifax was now reporting an inaccurate ssn, a ssn that was not mine and not correct for my report. I opened a dispute to have it resolved and provided my ssn card as proof, on XX/XX/XXXX the dispute was resolved but the inaccurate ssn was still reporting on my report causing adverse effects causing me to be denied serveral opportunities to advance my credit and my quality of life. I opened another dispute and provided all necessary information on XX/XX/2023 the dispute was then again closed with the inaccurate information still reporting. Now Equifax is not providing my credit report at all it is providing information on the inaccurate ssn. so when i apply for things im being denied because my information does not match what is on their report which is inaccurate to this day. whenever i try to dispute on equifax i get and error when i call nothing gets fixed.
Consumer complaint received 2022-10-16
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. (FL)

I signed up for a credit card a few months ago because I was trying to develop a credit history and few a positive credit lines on my report when I checked my credit report I saw a number of hard inquiries from credit card companies running my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-19
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Citizens Bank sold me a CD product several years ago. The CD came due in XXXX, 2022. It has yet to be redeemed because Citizens Bank placed the CD in an annuity with Colorado XXXX XXXX. Colorado XXXX XXXX is involved in complicated legal suit with its CEO. Citizens Bank has communicated very little and it is now 7 months past the redemption date. I am earning no interest on my funds, {$350000.00}, and have no idea when or if I will receive the face value of the CD. Citizens is acting as if they have no responsibility for the CD.