davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

I had fraudulent charges made on my debit card. It is a joint account from Chase that I have with my husband who I am separated with. I had not yet closed the account and he had his card information stolen. The card had several fraudulent transactions made adding up to {$1000.00}. The charges were made between XX/XX/XXXX and XX/XX/2018. When I realized the transactions were not from him I went to the bank and had his card canceled. The bank made a dispute and I was refunded for the transactions on XX/XX/XXXX. Then on XX/XX/XXXX I was shocked to see that they denied the claim and charged me again for all XXXX transactions. I tried calling to figure out what happened and they said I had not reported it soon enough and there was nothing I could do to get my money back. Then I went into the bank and talked to a banker who gave me a number to escalate the claim. I went through this process and in the end they wanted to call him and ask him some questions. That never happened. Then I went into another Chase and stayed there while a banker tried to help my figure out what happened. I said clearly it is fraud. All of these transactions were made in XXXX XXXX and the actual card is with him in Texas where he is making transactions on the exact same days. How can he be in two places at once. They said he would need proof of him being in Texas those days and that the transactions made were not enough proof. So we sent in his school enrollment. They said that was not sufficient proof of where he was and that they would need a time stamp in order to reopen the case. His school does not have time stamps and he is not working there. They also said a cell phone bill with locations of his whereabouts would not be sufficient proof. I am sick of getting the run around and just want to get my own money back as Chase bank states they refund under fraud protection. I have been trying to close this bank account with my soon to be ex husband but I cant close it until this case has rightfully been refunded. 
I am making this complaint by myself because it was my personal money that was stolen out of the account and even though the fraud was from my ex husbands debit card, he is not helpful in helping it get refunded.
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (ME)

I have two items on my Experian credit report that are entirely incorrect and need to be removed. I have disputed these two items MULTIPLE times and have provided documentation as solid proof that these items should NOT be on my credit report. The first one is from XXXX XXXX, claiming that I owe {$2700.00} from XXXX. I DO NOT owe XXXX XXXX a single dime. I had opened an account with them in early XXXX, but ended up CLOSING the account THE VERY NEXT DAY due to a complete lack of cell coverage in my area and I immediately went back to my previous carrier. I had problems with XXXX continuing to bill me after I closed the account, but I dealt with their executive relations office, who wiped out the balance and assured me that the account was closed, that the balance owed was ZERO, and that there would not be any future bills. However, about months later, they hit my credit report with this entirely false, slanderous information. I have attached a copy of this email from XXXX 's executive relations that clearly proves that I DO NOT owe this balance and that this credit reporting is blatantly FALSE. 

The second item is from XXXX XXXX XXXX. This was from an auto loan that belonged to my LATE HUSBAND, and had NOTHING to do with me. My name was NOT on this account. My husband passed away on XX/XX/XXXX, and I have uploaded a copy of his death certificate. This item needs to be immediately deleted from my Experian report as it is NOT my account and I have no idea how it ended up on MY credit report. 

I now can not even file any disputes on either the Experian website or mobile app. I receive an error message every single time I try, and I've been trying for the past two weeks. If these twXXXX inaccurate items are immediately deleted from my Experian credit report, I will have no choice but to take legal action in a court of law and seek monetary damages against Experian for false credit reporting and slander of my consumer credit file. See attached documents with this complaint.
Consumer complaint received 2022-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In accordance with the Fair Credit Recoding Act. The List of account i have provided below has violated my Federally Protected Consumer Rights to privacy and confidentiality under { 15 USC 1681 } XXXX XXXX XXXX XXXX : Account # XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 
XXXX & XXXX : Acct # XXXX, XXXX has violated my rights. 
XXXX XXXX : ACCOUNT # XXXX, XXXX, XXXX has violated my rights. 

{ 15 U.S.C. 1681 } Section 602 A. States : I have the rights to privacy.

{ 15 U.S.C. 1681 } Section 604 A. Section 2. 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 Items '' 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 ) States 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 2022-08-31
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (IN)

Midland Credit Management ( according to my caller ID ) has been calling me non-stop since XXXX. After receiving the first call on XX/XX/XXXX at XXXX PM, I sent Midland Credit Management a cease and desist letter specifically asking them to stop the phone calls. I mailed that letter to their address which I found on XXXX. Since then, I have received countless calls from them which are in direct violation of the FCRA - especially the call I received while I was in CHURCH on SUNDAY, XX/XX/XXXX at XXXX. This is pure harassment at this point. I have retained all phone calls and am weighing legal options.
Consumer complaint received 2017-09-02
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates (MI)

Dear Consumer Financial Protection Bureau, XXXX XXXX, writing to clarify that this debt in dispute, may be illegal in his collection process.

According to FDCPA ( Fair Debt Collection Practices Act ) 809. Validation of debts ( a ) Notice of debt ; contents ( b ) Disputed debts, firstly, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt so If the company does not provide verification within 30 days, the FDCPA prohibits them from continuing to contact you or reporting the debt. And the company didnt provide itemized bill statement as I requested. But they suddenly report to credit bureaus after one year of the initial communication. 
I doubt the amount is not correct. The company did n't provide itemized bill to validate this amount, but they still report to all the 3 credit bureaus. 
Secondly, the company fails to provide the validation response in 30 days, but they continue their collection activities suddenly after one year. 
Thirdly, in the coming notice letter, they did n't mark the steps how to dispute and legal rights that I can dispute. I was only told I owe the money, and they assume it is valid. 
Therefore, I think this collection report is illegal. Please help me how to appeal to this collection case?
Consumer complaint received 2022-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE (TX)

My husband and I took a flight on XXXX XXXX and we were given a promotional brochure for a BarclaysXXXX XXXXXXXX XXXX credit card ( see attached ). The brochure clearly states that the introductory fee is {$0.00} for the first year and then {$99.00}. We opened an account in XXXX using the promo code on the back of the brochure. When we received our first month 's bill we were charged {$99.00}. I called ( XXXX ) to dispute this charge and spent several hours on the phone with them. They insisted that the card was not free even though I had the documentation to prove it. I spoke to several customer service reps and managers after the initial call ( 4 - 5 different reps from XXXX - XXXX ) and they claim that they could not waive the fee that they charged me. In XXXX, a XXXX opened up a case to investigate this. I sent them all of my documentation and still have not gotten the {$99.00} returned to me. This is clearly false advertising. We have researched this and it seems to be a common problem with other consumers. Barclays is not honoring their offer. This is false advertising and they should stop handing out these brochures on XXXX XXXX flights.
Consumer complaint received 2020-02-23
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)

hippa and ftc violations they have been sent police reports and ftc will not fix them Equifax and XXXX  XXXX XXXX XXXX XX/XX/2020 Source XXXX  Company XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone XXXX Activity XXXX XXXX XXXX ( Collections ) Balance Date XX/XX/2020 Balance {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 Source XXXX Date Submitted XX/XX/2020 Estimated Resolution Date XX/XX/2020 Report Number XXXX Account Number XXXX Company XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2020 Source Equifax Company XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, GA XXXX Activity UNPAID ( D ) Balance {$1600.00}
Consumer complaint received 2022-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

For the past 4 months ( i.e., XXXX, XXXX, XXXX and XX/XX/2022 ) my credit report has incurred random inquiries that I did not authorize or initiate. They appear across all XXXX credit reporting agencies ( i.e., Trans Union, XXXX and XXXX ) none of which I initiated. Examples of these institutions include XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX Bank just to name a few. These inquiries have happened multiple times over the course of months. In XXXX my credit score declined XXXX points alone from these fraudulent inquires. All of the aforementioned institutions appeared on my credit report as inquiries in XXXX alone. This is detrimental to my credit score and a targeted attack against me. My credit score in XXXX was XXXX ; I have since put a freeze into place with the reporting agencies, but these inquiries need to be removed and blocked from future occurrences.
Consumer complaint received 2022-02-24
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA (GA)

My husband ( now deceased ) and were leasing a XXXX XXXX and XXXX. I moved from XXXX XXXX to XXXX  and am trying to register my car, the XXXX. Because my husband 's name is on the lease, The XXXX Registry can not register the car until it is removed. I started contacting Hyundai Motor Finance on XXXX first with a letter mailed to them stating that I needed my husband 's name removed and the address changed on the lease. This is per the Registry. Hyundai Motor Finance does have a copy of the Death Certificate which I had sent them after he passed away. They did close out the Lease on the XXXX but did not remove his name from the XXXX. I called Hyundai Motor Finance multiple times and never received a callback. On XX/XX/XXXX, I went on their website and sent chat messages to them as well. They did not respond back. I have a more accurate telephone number now and have talked to 3 different people that have written down everything and forwarded to the Back Office Team. I was supposed to get a call back withing 5 to 7 business days but never did. I called again yesterday, XX/XX/XXXX, and spoke to XXXX and she assured me that she was submitting the paperwork again and to call back either today or next Tuesday which is XX/XX/XXXX. I called back today and she checked and still nothing has been done. She said that I can call every day to see if the changes have been made and if paperwork had been submitted to the Registry. My car needs to registered before the end of this month which is next Monday. After that I could get stopped for not having it registered properly. I need my car to do grocery shopping and doctor 's appointments. Each time I talked to a person, I asked what they needed from me and did exactly as they asked.
Consumer complaint received 2022-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have never had a credit card or any other credit account ever and no such account has ever existed in my name .Transunion has put multiple fraudulent accounts that do not belong to me and were not created by me on my consumer report. This has made it hard for me to receive credit or get approved for apartments which is very stressful and XXXX. I have notified them of the accounts resulting from identity theft and requested they be removed within 4 business days as described in 15 usc 1681c-2. I have not given them any reason to decline my request and they have not provided any contract or other evidence that gave them the right to furnish my consumer report with this fraudulent information to begin with .the fair credit report requires the maximum amount of accuracy at all time.
Consumer complaint received 2022-02-24
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: Experian Information Solutions Inc. (TX)

My updated credit report from Experian was reporting a lot of inquiries that are not connected to me. The inquiries posted should not be on my report because I have neither inquired nor reached out to anyone of them. If XXXX has made an extensive investigation about this, they should have removed all these inquiries. However, they have not their duties of either confirming the items and/or reaching out to me to notify. Here is the list of the unauthorized inquiries : XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-08-31
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: I.C. System, Inc. (FL)

I have never had a credit card or any other credit account ever and no such account has ever existed in my name XXXX has put multiple fraudulent accounts that do not belong to me and were not created by me on my consumer report. This has made it hard for me to receive credit or get approved for apartments which is very stressful and XXXX. I have notified them of the accounts resulting from identity theft and requested they be removed within 4 business days as described in 15 usc 1681c-2. I have not given them any reason to decline my request and they have not provided any contract or other evidence that gave them the right to furnish my consumer report with this fraudulent information to begin with .the fair credit report requires the maximum amount of accuracy at all time.
Consumer complaint received 2022-08-31
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have never had a credit card or any other credit account ever and no such account has ever existed in my name XXXX has put multiple fraudulent accounts that do not belong to me and were not created by me on my consumer report. This has made it hard for me to receive credit or get approved for apartments which is very stressful and XXXX. I have notified them of the accounts resulting from identity theft and requested they be removed within 4 business days as described in 15 usc 1681c-2. I have not given them any reason to decline my request and they have not provided any contract or other evidence that gave them the right to furnish my consumer report with this fraudulent information to begin with .the fair credit report requires the maximum amount of accuracy at all time.
Consumer complaint received 2017-08-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

i have been trying to get a hold of someone at coinbase about my account access for 4 days now, i have used their self serve password reset tool and each time it tells me i 'm trying to reset from an unverified device which is not true but whatever and it says for my security i have to wait XXXX hours to access my account, it 's be 4 days and i have tried repeatedly to reset the account and no email, no tech support, no response. it 's as if this company is dead. I have over XXXX dollars in coins in there and im unable to access my account. I just want my password reset, it could all be so simple but not with this company. I 'm ready XXXX XXXX up to san francisco and walkin to their office to get this fixed.
Consumer complaint received 2022-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX continues to negatively pull my credit for something I did not do in XXXX. I tried to deal with the issue on numerous occasions but to no avail. I submitted a fraud report through the federal fraud department, because now the police department in my city doesn't physically accept fraud reports. I was incarcerated during the time in question, but XXXX says they can not remove the negative items although I submitted proof of XXXX  from the XXXX  XXXX XXXX XXXX and XXXX. I was incarcerated from XX/XX/XXXX until I was released XX/XX/XXXX
Consumer complaint received 2017-09-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO. (IA)

Previously submitted a complaint. Company 's response was unacceptable. Originally tried to pay off the loan in XX/XX/XXXX using the bank account I have used to make monthly payments for XXXX years. XXXX weeks later, I noticed Chase never processed the payment. I contacted them and Chase indicated no concerns. XXXX days later they reinstated the loan. I immediately called them and they submitted the payment. Again, no payment was deducted and they reinstated the loan. 

After filing an initial complaint with the CFPB, Chase wrote a response blaming me for providing them with a savings account number. They claim they can not process payments over the phone with a savings account. At no time did any Chase representative tell me this when I made multiple attempts to payoff the loan. The letter notes I could make suc a payment online, but my account had been locked by Chase. I have no ability to pay! 

I contacted Chase 's executive office on XX/XX/XXXX. They placed me on hold several times, and untimely routed me back to basic customer service ( the same customer service unable to process my payoff earlier ). 


The account I provided them is my only bank account - it has a checking account attached to it. Chase has withdrawn every monthly payment previously from this checking account - both auto and crefit card. 

They have provided me no way to payoff the loan. They continue to blame me for giving them a savings account number. Finally, they have reported me as missing a payment, which negatively affects my credit score.
Consumer complaint received 2022-02-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

The credit bureaus are still reporting that I owe XXXX XXXX XXXX XXXX. I contacted XXXX XXXX XXXX. The information they have about where they sent the loan isnt even mine. So I would ask to remove XXXX XXXX XXXX XXXX from my credit report. My father has the same name as me and we have lived at the same address at times. So not sure if this is his or not. I shouldnt have to suffer bad credit for something that doesnt even belong to me.
Consumer complaint received 2022-02-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (NC)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2024-02-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (IL)

Chime does not do a credit check before opening online checking accounts. Anyone can go online and open an account if they have enough pieces of information. Luckily, there were not any financial transactions completed. I did go on to Chime to reset the password that the thief or thieves had created the online profile with, unable to reset the password. The idea was to lock the thief or thieves out while I was trying to get a hold of Chime on the phone. Chime closed the account, and said something about how they hope that I will come back and give them a try again. I never even opened the account to begin with and have no need to do that!