davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (AZ)

This complaint is against Chase Bank related to a failure to appropriately monitor my account for suspicious activity and an unwillingness to reimburse me for {$2900.00} in fraudulent cash back transactions done in 1 day over XXXX unique transactions at XXXX XXXX XXXX locations and a XXXX station in XXXX ( which is a city I do not live - I live in XXXX  ) plus {$1000.00} in cash withdrawals from an ATM. They are claiming no responsibility on the basis that they were done using my PIN which means in their eyes they are valid, authorized, and unrecoverable. 

I have filed a police report, but Chase is putting the burden of proof on me to demonstrate the transactions were not made by me. I am now reaching out to XXXX to see if I can get help with security footage, but Chase is being uncooperative in claiming they do not have the timestamps of the transactions. I was in XXXX  on vacation and was robbed in downtown XXXX of my debit card and the PIN number by a false XXXX driver who threatened to leave me in downtown XXXX with no phone if I didn't give the driver cash. I was driven to an ATM where my card and PIN number were taken, followed by the fraudulent transactions later that day. I use my debit card maybe 4-6 times per year to pull cash from an ATM. XXXX cashback transactions in a concentrated period at XXXX addresses ( XXXX XXXX XXXX and XXXX XXXX ) is highly irregular activity. I called the card in as being stolen the same day ( XX/XX/2022 ) as the transactions occurred to dispute. Was told I'm never responsible for unauthorized charges on my account and that my account would be credited. Several days later I was told the claim was closed and would not be reimbursed. I have escalated twice including a written complaint on XX/XX/2022. I still have not received satisfaction. 

Chase is not adhering to it's advertised pledge to account holders as quoted from their website below : " XXXX XXXX XXXX : You wont be held responsible for unauthorized charges made with your card or account information. '' Footnote on this claim quoted below and does not apply to this situation as the fraudster is not an authorized user : " XXXX XXXX XXXX does not apply to use of an account by an authorized user without the approval of the primary cardmember. If you think someone used your account without permission, tell us immediately by calling the XXXX Services number on your card or billing statement. '' I am also claiming false advertisement as it pertains to the statement from their website cited below relative to XXXX XXXX : " XXXX XXXX XXXX : Round-the-clock, real-time monitoring for unusual account activity. '' The activity on my account was highly unusual relative to the established usage trends. The activity was unusual based on them taking place in a city I don't live. The activity was further unusual based on the concentration of transactions at XXXX merchants. None of these triggered an attempt at authentication of the activity.
Consumer complaint received 2022-07-22
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: EQUIFAX, INC. (PA)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXX BANK XXXX Balance : {$4400.00} XXXX BANK XXXX Balance : {$5700.00}
Consumer complaint received 2020-07-27
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)

My Experian case number is # XXXX. When my credit report was pulled I had two reports from the Dept. of Education that showed up on the mortgage department 's derogatory statement. They mortgage company agent instructed me to send the document to them and Experian showing that the loan was paid in full and not just a closed account which may lower my score if seen as a derogatory report. I immediately sent a dispute online to Experian and uploaded the letter from the Dept. of Education to make sure it was seen and categorized as two positive reports. Instead of reading the document and verifying that they were placed as positive credit reports Experian deleted them from my report lowering my credit score. I was working hard on my credit score to close on my first  house using my VA Loan and now that has been jeopardized. When I contacted Experian to Monday XX/XX/20 at approximately XXXX they instructed me that they understood my situation and to request that the Dept. of Education submit an re-insertment form so they could correct the error. When asked could I speak to a supervisor I was told that one was not available for 3 hours. I called both agencies twice until a specialist from the Dept. of Education explained to me that it was a serious violation of the fair credit act and I should report Experian because it was their error and they should have went to their data base and corrected the error by reinserting the paid in full reports themselves, This matter is seriously effecting my chances of getting the house that I and my wife worked so hard for. I only ask that they put back my credit history in the proper category and restore my credit score. My contact number is XXXX ( XXXX ) XXXX and I hope this could be rectified as soon as possible.
Consumer complaint received 2022-06-16
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: EQUIFAX, INC. (NY)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 A 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 an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-08-26
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: EQUIFAX, INC. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the lawXXXX XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$840.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$920.00}.
Consumer complaint received 2020-06-05
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: FIFTH THIRD FINANCIAL CORPORATION (IL)

I have acct with fifth third bank opened XXXX XXXX But I see additional hard inquiries prior to opening this acct and past opening this acct. There should only be 1 hard inquiry on my credit report but there are 3. I only authorized " 1 '' hard inquiry within XX/XX/XXXX any other inquiries are fraud which I did not authorize. The inquiries in question are dated for FIFTH THIRD BANK For Dates XX/XX/XXXX & XX/XX/XXXX This accounts and Date XX/XX/XXXX I did not do business with this organization and/or did not authorize my credit file to be pulled. On date XX/XX/XXXX I did not give my permission to pull my credit report. I have contacted fifth third bank by phone on 3 occasions and i have received a letter from fifth third bank XXXX XXXX XXXX XXXX XXXX, XXXX OH XXXX stating they were verified and correct. I do formally request to show proof of signature that I did give authorization and /or permission to perform a hard inquiry on my credit file. I this proof can not be given i demand that they be removed immediately.
Consumer complaint received 2024-03-05
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: EQUIFAX, INC. (FL)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts :
Consumer complaint received 2020-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AZ)

I am submitting a formal complaint against Experian credit bureau. They have completely failed in the public sector on many fronts, and are inaccessible to common people such as myself. I have spent countless hours on 3 different occasions when I needed to contact them, and have been completely unsuccessful on every attempt. Today I am submitting a complaint because I tried to do a very simple credit application to get a new cellphone through XXXX. XXXX pulled a copy of my credit report from Experian, and I have an old fraud alert from 7 years ago, when I had an ID theft. The report said for them to call me at the number on the report to verify my identity, prior to extending credit. I have been through this same routine multiple times over the years since my ID theft occurred. However, today, Experian failed to provide any number on the report to XXXX, and I was not extended credit by XXXX, because of the failure on the part of Experian to provide any phone number at all. I know that they have a number in my report, because I purchased a new car 1 week ago, and went through this same ordeal then, and the vehicle dealer specifically told me they were using Experian. However, today, after 2 hours of trying to contact Experian, I was unable to find any way to solve this problem, after calling several numbers I found online and trying all the prompts. Their entire phone system is extremely useless and elusive, and only trying to sell credit reports or scores. They do not have any care for the people they serve, and they have no one to help. Additionally, I created an account on experian.com, and was unable to find anywhere to list a phone number for myself in their system, which also is mainly geared toward trying to sell overpriced monitoring products. Now I have a new " hit '' on my report from the bank that XXXX uses, but due to the failure of Experian to provide a phone number, I am unable to receive credit for this hit. I need them to remove this from my file, and to give me a way to verify myself online and enter personal data, or speak to a live representative to help fix problems in the report. I feel that their entire agency is a failure, as I alluded above, I had two prior extensive issues where I was eventually unable to solve the problem. PLEASE HELP. PLEASE DO SOMETHING. We need change, we need these agencies to be run differently. I can not live my life when it is controlled by an entity that can not supply the services that are required for simple day-to-day issues.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 XXXXXX/XX/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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

MY NAME IS XXXX XXXX XXXX I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM A 3RD PARTY OR AGENCY. I DO NOT RECOGNIZE THE FOLLOWING INQUIRIES ON MY CREDIT REPORT. THEY ARE UNAUTHORIZED INQUIRIES AND I DID NOT GIIVE PERMISSION TO ADD THESE TO MY FILE THAT IS A FCRA VIOLATION XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2018-05-01
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. (OH)

I would like to make report that someone has opened Credit cards and utilities bills in my name without my permission. I was in the process of buying a home when my credit report came back there was accounts that I didn't recognize a XXXX XXXX #  XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX . 
I never had any documentations of contracts for services with these companies.
Consumer complaint received 2018-05-01
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. (OH)

I would like to make report that someone has opened Credit cards and utilities bills in my name without my permission. I was in the process of buying a home when my credit report came back there was accounts that I didn't recognize a XXXX XXXX #  XXXX, XXXX XXXX XXXX # XXXX, XXXX  XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX . 
I never had any documentations of contracts for services with these companies.
Consumer complaint received 2020-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BARCLAYS BANK DELAWARE (NJ)

On XX/XX/2020, I became aware of fraudulent charges on my account and immediately notified Customer Service, via phone, of this situation. The agent was very helpful, but ultimately, indicated she was not able to complete the claim at that time, due to some issue with her system. She advised that she would complete the process after our call ended, and that someone would contact me to confirm the completion of the dispute process. She very clearly indicated that I would not need to follow-up further, but that I would be contacted. 

On XX/XX/2020, I still had received no calls regarding this matter, but upon logging in to my account observed that the charges had all been appropriately credited. However, on closer review, there were 2 larger charges, in the amounts of {$77.00}, and {$220.00}, that had somehow fallen off the claim, even though I had clearly indicated they were not recognized, and fell within the date range of the fraudulent activity. ( Please feel free to check the call transcript to verify. ) Over the last 10 days, I have been calling frequently to Customer Service to resolve this -- to have those 2 items added to the claim, and to check on their status. I have been advised that they were included, but I have also been advised that the case was closed on XX/XX/2020. So I am quite confused, 1 ) why the first batch of credits occurred within 2 business days of my original claim of XX/XX/XXXX, but these items remain uncredited so many days later ; 2 ) if the case is indeed closed, how can the 2 items ( which I were told *have* now been included ) not have been credited yet in the process of closing the case?
Consumer complaint received 2022-02-16
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Bridgecrest Acceptance Corporation (OK)

Yes on XX/XX/2021 I traded in my XXXX XXXX on a XXXX XXXX XXXX and they decided to not move forward with the sale and told me 5 months later they will be trading me my car back in exchange for that XXXX back I agreed they came took the XXXX months ago and left me rideless because they sold my XXXX instead of not giving it back so they done won more then they bargain for I'm not paying for something I don't have I'd rather have of had my car back as well but no
Consumer complaint received 2018-05-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (TX)

Hello, My name is XXXX XXXX and I have an FHA loan, serviced by Caliber Home Loans, that I need assistance with. The loan, which is referenced as Loan Number XXXX by Caliber Home Loans, is currently in default status and Caliber is attempting to proceed with foreclosure on the home. 

In XX/XX/XXXX, I became unemployed. I did not resume work until XX/XX/XXXX, due to difficulty finding employment caused by unfounded negative references from my former employer. During this time I was approved for an FHA Special Forbearance Plan in regards to my mortgage. I worked with Caliber Home Loans to pay these payments between XX/XX/XXXX andXX/XX/XXXX. Each time I contacted Caliber regarding the payments, I was informed that the payments would be accepted and applied to my forbearance plan even though they were not received by the XX/XX/XXXX day of each month of the plan as long as the payments were made by the last business day of the month. I made all of the required forbearance plan payments from XX/XX/XXXX through XX/XX/XXXX by the last business day of the month, which were accepted and applied to my balance. 

In XXXX and XX/XX/XXXX when I contacted Caliber to make the payments, I inquired as to the need for any additional paperwork or documentation from me for the Forbearance process to be completed and normal payments to resume in XXXX. Each time I was informed that the process to complete the forbearance would automatically update once the last payment was received and no additional documents were necessary. 

In XXXX, I have attempted to make my normal mortgage payment only to be informed that my payment would not be accepted because my home is in foreclosure because I did not submit the required paperwork to process the end of the forbearance plan. In my most recent contact with Caliber Home Loans, on Friday, XX/XX/XXXX, I was informed that I should not attempt to make the XXXX payment because their policy was to return payments that were not made in full during the foreclosure process - meaning that if the payment I was going to make was not equal to the total past due amount ( now approximately {$15000.00} ) my payment would not be accepted. 

I would l like to continue living in my home and eagerly await the opportunity to resume normal monthly payments. Any assistance that you can give me on this matter would be greatly appreciated. 

Sincerely, XXXX XXXX XXXX, Borrower XXXX XXXX XXXX XXXX, TX XXXX XXXX ( cell ) XXXX ( home ) XXXX XXXX XXXX XXXX, Interested Party ( Spouse of Borrower ) XXXX XXXX XXXX XXXX, TX XXXX XXXX ( cell ) XXXX ( home ) XXXX XXXX
Consumer complaint received 2024-03-05
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: EQUIFAX, INC. (OH)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-26
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. (FL)

To Whom it May Concern I notice an Account That is On My Credit That I did Not Authorize. I did Not Give Anyone Consent to Open Any Accounts On my Behalf. This Is fraud I would Like To Have this account Block and removed Off My Credit Thank You
Consumer complaint received 2018-08-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Disputed with the company several occasions ever since I saw this on my credit reports back in 2014. This account is not associated with me. This on my credit report is making it impossible for me to do what i need to credit wise because its negatively reporting.This is not my account! I have reached out to the bureaus regarding this and nothing has been done.