davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-31
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)

Around XX/XX/2017 an unauthorized transaction hit my Chase checking account in the amount of approximately {$6000.00}. Upon learning of this transaction, I called the bank and was told to go to a branch. I went to a branch, filed a claim, and signed an affidavit stating that I had nothing to do with this transaction. They closed my account and opened a new account for me. They denied my claim stating that my debit card was swiped in front of a Chase Manager who personally knows me. The Chase Manager who personally knows me is my ex-wife 's friend and ex-co-worker. My ex-wife was a Chase Manager for several years and she worked with the Chase Manager who I was later told by Chase Bank was the one who overrode a tax check made out to another person, to be taken out of my checking account, which made my account negative for approximately {$6000.00}. After they denied my claim, they then approved my claim. I sent countless e-mails and spent countless hours on the telephone trying to get this situation cleared up and their end result was to deposit the money into the new account they had opened for me. This is what Chase telephone representatives told me was the correct action and the action that they carried out. I have had only 2 banks ( Washington Mutual which was bought out by Chase ) in my lifetime and I am XXXX years old. I am also a United States XXXX Veteran who completed an 8 year contract with an XXXX XXXX. I have never been arrested and I have no tickets or warrants. I am as clean as they come. I have lost and requested documentation regarding everything I am stating above from Chase and they do not send me any documents that I request. From my personal experience with my ex-wife and her friends/co-workers, I know that fraud was committed on my account. Chase initially told me that my ex-wife 's friend/ex-co-worker committed fraud on my account and after I told them that I was going to seek assistance from CFPB, they changed their tune and just stated to me that all they did was commit multiple errors to my account, which now results in me not having an account and them wanting me to pay them back for them committing fraud and multiple errors to my account. All of this coming out of the blue after being with Washington Mutual and Chase for decades without one single incident. Absolutely ridiculous. Inside Job. Cover up.
Consumer complaint received 2023-07-15
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 XXXX  New Inquiries on my credit report ( XXXX, TransUnion ) that are fraudulent. The companies making the inquiries are XXXX ( XXXX times ), XXXX XXXX, and XXXX XXXX XXXX. The fraudulent inquiries were made XXXX  XXXXXXXX XXXX XXXX
Consumer complaint received 2023-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 2021-04-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NC)

Today is XX/XX/21. For at least 3 weeks, I have been trying to sell my XXXX held with Coinbase. Coinbase has my account restricted and will not initiate the transaction. I had gone through their ID verification steps 3 times before it even let me back into my account, including one where I had to take a picture of me holding a sign saying " for coinbase ID verification ''. Now, they are holding my funds XXXX, and after numerous submissions to their customer service letting them know my account was still locked and I could not sell my XXXX, they have not responded a single time! Every day, I try to sell, I can't, then I send another message to Coinbase. Coinbase is ILLEGALLY withholding my funds. I have XXXX XXXX, which as of today is worth around {$12000.00}. I have screenshots for every day proving all of this ( todays ' is attached ).
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

I have been disputing this debt with XXXX XXXX for years. The negative item is reporting on my credit report ( s ) impacting my credit. XXXX XXXX  sent me an agreement with look like computer generated initials and a signature, which is not my actual signature and is a violation.
Consumer complaint received 2022-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In accordance with the Fair Credit Reporting ActXXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

1 ) 15 U.S.C 1681 Section 602 A : States I have the right to privacy 2 ) 15 U.S.C 1681 Section 604 A : It also states a consumer reporting agency can not furnish
Consumer complaint received 2022-08-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (CO)

My mortgage was recently acquired by Fifth Third Bank. 
I set up my online account to make mortgage payments. 
The online system showed my next payment due XX/XX/2022. 
On XX/XX/XXXX I made a payment of {$2600.00} ( {$850.00} principal, {$1300.00} interest, {$400.00} escrow ) and it was designated a " regular monthly payment '' on the Fifth Third website. 
I also made an additional principal payment of {$380.00}. 
On XX/XX/XXXX I logged in to see the " system '' applied my entire payment to principal, and I still have a payment due XX/XX/2022. 
I contacted customer service via chat who said " The trouble is because your payment is already paid for XXXX, so there is no bill due at this time, since XXXX 's due date isn't anywhere close. '' I paid a payment 4 weeks in advance. 4 weeks. This bank is clearly fraudulently applying payments to their benefit if customers can't apply simple payments 4 weeks in advance! Not only that, but their " system '' I used designated this a " regular monthly payment '' - so why didn't the " system '' apply this correctly? 

I am not going to argue with them each month when I make a payment. Some of us stay on top of our bills. We should not be punished for it.
Consumer complaint received 2022-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights. 

1 ) 15 U.S.C 1681 Section 602 A : States I have the right to privacy 2 ) 15 U.S.C 1681 Section 604 A : It also states a consumer reporting agency can not furnish
Consumer complaint received 2020-08-03
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. (IN)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2022-08-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (SC)

XX/XX/2022 I monitored my credit and see a derogatory collection account appear from nowhere... 

Collection account listed as XXXX XXXX XXXX XXXX .... 
XX/XX/2022, I called XXXX XXXX XXXX  and they stated that this debt was purchased from XXXX XXXX XXXX ( who originally purchased from Citibank N A  ) I have never had an account with Citibank NA as you can plainly see on my credit history.
Consumer complaint received 2022-03-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

On XX/XX/XXXX my account was hacked by a spam call. Bank of America closed the account to investigate and gave me a new account. In XX/XX/XXXX they forced closed my account and charged me with the fraud on my account. On XX/XX/XXXX they withdrawal {$350.00} without my knowledge and didnt explain the reason.
Consumer complaint received 2020-09-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NC)

I ordered a dresser from Ashley furniture with my Ashley furniture credit card. The delivery drivers ruined my walls going up the stairs and the corners of the dresser which will cost more than the dresser to fix. As of today, XX/XX/2020 it has been 94 days. I have called several times and they said that theyre still working on it. They have also reduced my credit limit for no reason. No one can help me when I call and its very frustrating.
Consumer complaint received 2021-08-16
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

I am filing this complaint because the company XXXX loan servicing has been falsely reporting on my credit report. We entered into a modification agreement a year ago. Since then XXXX has continued to report that we are 120+ days behind on our mortgage. I also, started preparing for a loan under my company that I own. When my financial consultant noticed XXXX flagged my credit report for deed in lieu. Which is basically stating we lost our home or was about to under foreclosure. This never happened. We worked out the modification and have never missed a payment since. I have contacted the company to have the remove this information. XXXX did the research and said in a letter they did not do this and if I had evidence supporting my claim ; to forward it to them. I did so through certified letter. I reached out after 35 days later after no response. XXXX customer service people advised they did not see anything in the system receiving it or correspondence further than the original denial letter regarding the Deed in lieu false reporting. This is hurting my personal credit and hurting my business from moving forward. I would just like to have this corrected immediately. This just appears that they are attempting to keep customers held to them because my destroying their credit they can no longer go any where else. 
I have tried to fix this issue with experian credit reporting. However, XXXX says they did nothing wrong and experian goes along with them. Denying my claim and failing to fix the issue.
Consumer complaint received 2023-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. Thank you. 
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 2022-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NJ)

Hello, My name is XXXX XXXX. I am residing at XXXX XXXX XXXX XXXX XXXX NJ XXXX. I went one day to pep boys for car service where I was told to open up pep boys credit card and get discount on services. Now the pep boys credit card is run by synchrony bank XXXX XXXX XXXX, XXXX, FL XXXX. This bank is such a fraud and wrong doing they have charged me ridcouoous amount of late fees. I called them today that is XX/XX/XXXX and they told me late fees have rounded total for XXXX XXXX Now I have been Keeping up all my accounts till now except synchrony because no matter how many times I tried I was not able to log in online on their mobile app or website. Every time I called their customer care they had ridiculous long wait times and then getting transfer to technical person through which even my account was not getting setup. They closed my account without my knowledge. Which I got to know today on XX/XX/XXXX. I am told today that my account was closed on XX/XX/XXXX. Since starting of XX/XX/XXXX they have fined me late fees as due to lack of online account I was not able to keep up with this bank payments. I have 2 other credit account which I have been keeping up in very good standard. And I have read in the customer protection a bank can not charge after closing the account this ridiculous late fees 1026.52 ( b ) 2 ) i ) ( A ). Few agents were helping me out to get rid of few late fees, other than that nothing. 
Please help me out with this issue find the following details XXXX XXXX Account number XXXX Contact number XXXX
Consumer complaint received 2024-03-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

Ensuring punctual payments has always been my practice with this account, never allowing any payments to lapse into overdue status. I'm puzzled by the existence of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, necessary corrections should be made.
Consumer complaint received 2023-09-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TX)

I was doing some investing on the CASH APP platform.and suddenly they stopped 4 payments of mine equal to the amount of a Lil over XXXX dollars.with no reason they did not give me my money back I have called numerous times have talked to so many workers of cash app. But they can not tell me nothing other then it's under investigation. And as soon as I start asking questions they hang up on me.i have all this documented.going on over 2 months now and nobody can tell me nothing.now I am in debt because they stopped payments with out my authorization so now I owe the company to which the money was sapose to go to.they should have never stopped my payments and since they did they should ha e returned my money to my account.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act ; XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXX account # XXXX 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 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act ; XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX  XXXX XXXX XXXX account # XXXX 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 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am requesting assistance regarding my consumer file that is being held by XXXX XXXX XXXX, which is a credit reporting company that falls under the Fair Credit Reporting Act. On XX/XX/2022 I requested a full file disclosure pursuant to 15 USC 1681g ( a ) ( 1 ) ; in the correspondence I requested all information in my consumer file in which they failed to disclose the file pursuant to my request and refused to provide me the requested information in their files. Yet they are providing information to third party credit reporting agencies unauthorized without written consent. XXXX XXXX XXXX is continuing to violate my following rights under 15 USC 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 
They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes. 
They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( 1 ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer. 
I am requesting that XXXX XXXX XXXX provide me the complete file and disclose who they disseminated my credit report to and for what reason and with what written consent.
Consumer complaint received 2018-01-31
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: Experian Information Solutions Inc. (AZ)

On XX/XX/XXXX I was in email contact with XXXX XXXX at XXXX XXXX XXXX   (XXXX & XXXX) in regard to financing a used vehicle through that dealership.  After discussing financing options, I informed XXXX  by email on XX/XX/XXXX that we decided against purchasing through XXXX XXXX XXXX XXXX. In XX/XX/XXXX, after receiving multiple credit denials from multiple finance companies for both my husband & I that we did not authorize, I check our credit reports, and learned that on XX/XX/XXXX multiple inquiries were made to our credit report on behalf of XXXX XXXX XXXX XXXX.  My husband contacted XXXX XXXX XXXX finance dept & informed them of these unauthorized inquiries & he was told (did not get persons name) that they would take care of it. On XX/XX/XXXX, we received yet another credit denial letter for both my husband & I.  This time it was from XXXX XXXX on behalf of XXXX XXXX XXXX.  So I again, checked our credit reports to find another unauthorized credit inquiry on XX/XX/XXXX
Consumer complaint received 2018-01-31
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: JPMORGAN CHASE & CO. (AZ)

On XX/XX/XXXX I was in email contact with XXXX XXXX at XXXX XXXX XXXX   (XXXX & XXXX) in regard to financing a used vehicle through that dealership.  After discussing financing options, I informed XXXX by email on XX/XX/XXXX that we decided against purchasing through XXXX XXXX XXXX XXXX. In XX/XX/XXXX, after receiving multiple credit denials from multiple finance companies for both my husband & I that we did not authorize, I check our credit reports, and learned that on XX/XX/XXXX multiple inquiries were made to our credit report on behalf of XXXX XXXX XXXX XXXX.  My husband contacted XXXX XXXX XXXX finance dept & informed them of these unauthorized inquiries & he was told (did not get persons name) that they would take care of it. On XX/XX/XXXX, we received yet another credit denial letter for both my husband & I.  This time it was from XXXX XXXX  on behalf of XXXX XXXX XXXX.  So I again, checked our credit reports to find another unauthorized credit inquiry on XX/XX/XXXX.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.