davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: HSBC NORTH AMERICA HOLDINGS INC. (WA)

I have never received this reported Credit Card account nor ever used it. 
This account is not mine at all. 
Therefore Please clear my Record Thank you XXXX XXXX
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

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 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 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 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 2021-10-04
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: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX, I lost my wallet and an unauthorized individual, whom I don't know, used my debit card, and my credit card, to buy thousands of dollars in XXXX merchandise. There were other charges that never made it through because they were declined by both XXXX  XXXX XXXX and Chase, once they recognized that they were not within my normal shopping patterns. 

Hours after the incident, I reached out to the fraud departments of each respective company and filed a fraud claim. XXXX  XXXX XXXX, the bank I have my debit card with, reversed the fraud charge in the amount of {$4900.00} very quickly with no issues after I gave them my statement. 

Chase, however, did not. I called 6+ times to resolve it between XXXX and XXXX, and they just pushed me from department to department, asking me to email documents proving that XXXX reversed the charges. I obliged and sent the documents. No response from Chase. I did it again. Same result. I was getting automated emails saying that they would process the documents, but every time I called, they said I didn't send them and that I would have to try again. In total, I sent the documents twice, on XX/XX/XXXX and XX/XX/XXXX, after I found out that they closed the claim without sending me a letter or notification or anything. 

This is not a small amount of money, and I have had to pay the nearly {$4000.00} bill for the charge ( {$3800.00} to be exact ). I have gotten multiple letters saying that the charge was valid and that they were closing the claim since I sent the emails in. Every time I call, it's the same routine. Now, however, the fraud protection department won't even answer the phone, and whenever I call, it puts me through to someone, we talk for a couple minutes, and then they hang up in the middle. Every. Single. Time. 

This is so ridiculous for a company of Chase 's size, and it feels like they have no care whatsoever for solving my problem. I'm a small business owner and I can't afford to give away {$4000.00} dollars, but they refuse to do the bare minimum. I sick of this.
Consumer complaint received 2021-07-04
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: EQUIFAX, INC. (IL)

On XX/XX/2021, I contacted XXXX XXXX and Equifax to dispute inaccuracies that I noticed in my credit report. The Credit Bureaus are reporting inaccurate information on my credit profile and today is XX/XX/2021 and I have yet to hear a decision from the credit bureaus. It has been well over 60 days now.
Consumer complaint received 2017-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

.On XXXX/XXXX/2017 I used XXXX to retrieve all my credit reports. I was not able to get my annual free report from XXXX and transunion. Transunion also does not allow me to freeze my credit without making an account with them online.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I recently received a copy of my 3 Credit Bureaus consumer report and I noticed inaccurate information posted on my consumer report : 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
Consumer complaint received 2020-07-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (LA)

These accounts are an result of fraud SYNCB/LOWES {$3500.00} XXXX SYNCB/WALMART {$0.00} XXXX SYNCB/PPC {$2000.00} XXXX SYNCB/CARE CREDIT {$2500.00} XXXX
Consumer complaint received 2021-01-24
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: NAVY FEDERAL CREDIT UNION (TX)

I have disputed several items regarding NAVY FEDERAL CREDIT UNION that do not belong to me, however they are reporting to my XXXX  report. I disputed the item with both Navy and XXXX. I have stated that these items belong either to identity theft or placing accounts that belong to my father on mine. XXXX  unlawfully combined my credit report into 2 different reports and I believe this information from Navy Federal Credit Union is part of this. I am attaching a letter sent to XXXX  and XXXX  requesting an investigation into my dispute under Section 609, 611 FCRA and as of the submission of this complaint, XXXX has not responded to my request, they only verified the information as accurate when the information is not accurate as they do not belong to me. XXXX  and Navy have violated The Fair Credit Reporting Act by not conducting a proper investigation into my dispute, by not providing to me, specific documents I have requested regarding my dispute with Navy Federal Credit Union. More than 30 days have elapsed, an investigation in accordance with Section 609, 611 FCRA has not been conducted and I have not been provided any documentation in connection with my dispute regarding Navy Federal Credit Union. Please find the attached dispute letter under Section 609, 611 FCRA as I request any derogatory report from Navy Federal Credit Union be removed from my credit report.
Consumer complaint received 2017-09-30
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. (TX)

ID THEFT VICTIM CRA, HIPPA RIGHTS INACCURATE INFORMATION COSTING CONSUMERS MILLIONS OF DOLLARS POLICE REPORT CASE NUMBER ENCLOSED
Consumer complaint received 2019-11-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (CA)

1. I called several times over more than 6 months regarding the same problem. Each time, a ticket is submitted, but the issue is never addressed and the case closed. The problem : my interest rate reduction was removed. The last time I called ( prior to today ) was XX/XX/XXXX. I had been calling for months prior to this and only during the XX/XX/XXXX phone call was I told that the reason the interest rate reduction was removed was because on XX/XX/XXXX a disaster forbearance was applied to my account. I informed them that I never applied for this. They then told me that I automatically qualified and that they were federally mandated to apply this forbearance to my account without my request or approval. I then told them to provide proof of this, which they could not, so the agent submitted an internal ticket to correct my account on XX/XX/XXXX. On XX/XX/XXXX, the case was closed without any action. They said I would get a letter in the mail regarding the response. I never received a letter. I called today and explained the situation once again. The agent again tried to do what they have been doing, which is to submit an internal ticket and tell me I would get a letter in the mail after the ticket was processed next week. I told them that this was not acceptable. I asked them if a letter had been sent out from the XX/XX/XXXX request. They confirmed a letter had not gone out. I asked why a letter had not been sent and he replied that I had to request it. I asked him if the letter I was supposed to receive for his ticket today would be sent, since that is what he had just told me but I did not ask for the letter because I assumed it was implicit in the statement " you will get a letter in the mail. '' He had not response. So I requested that all letters be sent, the one from the XX/XX/XXXX request and today 's XX/XX/XXXX request. I also explained in detail what I needed in the internal ticket request and had him confirm by telling back to me what I told him, which was the following : ( 1 ) proof of what entity initiated placement of disaster forbearance for which I did not qualify, did not request, did not approve, and was not informed of, ( 2 ) removal of the forbearance, ( 3 ) reinstatement of the 1 % interest rate reduction, ( 4 ) retroactive adjustment of interest/late fees/principal on my account. He confirmed that a letter of this request and its response would be sent to me by mail. 

I also requested on XX/XX/XXXX a ledger of each loan detailing all charges from origination. I let them know that the loans were originally from XXXX prior to being sold to Sallie Mae ie Navient. I informed the supervisor who I had spoken with that day that this information is neither available on my account online nor obtainable through XXXX as their student loan services have been dissolved. I received in the mail only a copy of my loan ledgers that I can pull up myself on my account online.
Consumer complaint received 2019-11-02
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. (GA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX/XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2020-06-23
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. (VA)

I DON`T RECOGNIZE THESE INQUIRIES, I HAVE NEVER APPLIED FOR THIS, I`M NOT RESPONSIBLE FOR THIS DEBT, WITH THESE COMPANIES, I HAVE NO AGREEMENTS OR CONTRACTS WITH MY SIGNATURE.
Consumer complaint received 2022-09-09
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. (PA)

My consumer rights were violated by this credit reporting agency. I didn't give them my written permission to share my information on a consumer report on my behalf, nor did I validate any of the information. Without my validation and verification of this information is a clear violation of my rights. Otherwise anyone could just say I owe them anything and report it and farther ruin my reputation.
Consumer complaint received 2022-09-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

The below compliant has also been registered with the XXXX and NYSDFS. 
I am currently a Platinum Rewards member with BofA and I had the unfortunate experience of having to open an estate account for my deceased father last year. 
When I opened the account last year I was told that I would not be charged a monthly maintenance fee for the account as I was a Platinum Member. Recently I looked at the account and noticed that I had been charged a fee the last few months. I went into a branch and they informed me to contact customer service. 
Customer service refunded the fees, but informed me the only way to avoid the fees in the future is to add money to the account. When I informed them that legally I could not do that unless they were Estate Monies they were confused. The argument BOA makes is that I am not the owner of the account and thus not entitled to the platinum benefit. 
Figuring in person might be better I made an appointment to see the branch manager at the XXXX XXXXXXXX XXXX XXXX XXXX branch in XXXX. During our conversation she also suggested that I add more monies to the account and when I told her that was against the law she seemed confused and backpedaled Furthermore, when I told her it's hard to predict when checks would be coming in she did offer me the option of visiting the branch every month to waive the fees with the caveat that she could not guarantee how long she could continue to waive them. 
After all of this I emailed the Executive Relations team via the CEO 's office on XX/XX/09. They seemed surprised at how poorly trained the agents were in dealing with estate designations and informed me that is possibly because they don't have an actual estate account product only designations. This seems like an area of possible compliance enforcement against BOA. They were unable to resolve my fee issue and state that they would provide " Feedback '' regarding the compliance issue. 

I find this quite unacceptable as first, I find it quite alarming about how poorly trained the staff is about Estate Accounts. It is utterly unacceptable for any bank staff to be suggesting that I co-mingle monies. If I followed that advice it could put me at risk of violating the law as Estate Administrator. Second, being promised a fee waiver and then suddenly having a bank profit off my father 's passing is very unsettling. Finally, there fact that this is considered a personal account with an estate designation makes no sense as it's not a personal account it's property of an entity with it's own EIN.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-07-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (OH)

This letter is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this.

I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2019-03-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RentDebt Automated Collections, LLC (SC)

A paid collection being reported with a balance on my credit report. It should have been removed. I had a debt with an apartment community that went to this collections agency. I've paid the debt and as of now the RentDebt company is still reporting the account with a balance. I also was told by them that the debt would be removed if I requested it. I have had no actual contract or any agreement with Rent Debt that makes me liable to them, nor did I receive any dunning notice before the debt was placed on my credit reports. They are in violation of FCRA. 


They need to remove this paid debt from my credit reports. The representative I spoke to said it could be removed if I requested it to. They can review that call.
Consumer complaint received 2019-03-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Real Time Group, Inc. (UT)

This is a follow up complain on an continuing problem ; prior complain into is .... 
Summary of your complaint Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX I again just received more questionable paperwork from RealTime Resolutions ; they just keep coming up with them but when my Attorney contacted them back in XXXX they didn't respond at all with any paperwork! But, again, as I will swear to again, I have never seen this paperwork nor signed any such authorization. This was a HELOC attached on back of a XXXX XXXX  from XXXX and we all know what happened to them and the mess that created!?! These HELOC 's were stated to have been Illegal and Preditory by the State Department but mine was hidden from the portfolios that XXXX XXXX XXXX provided to the State Department in that it was assigned to ReatTime Resolutions, a Collection Agent for XXXX and so I did not get a required letter from XXXX forgiving mine but it was just like all the other of XXXX and one that I never saw the Loan Documents for and therefore was never provided my Legal Rights of Refusal ; the document in the attachment to this report is dated XX/XX/XXXX and I never saw the first page of these loans until XXXX of XXXX ; as documented in my attached letter to XXXX dated XX/XX/XXXX!
Consumer complaint received 2019-03-07
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. (TX)

XXXX  and Transunion are reporting incorrect information regarding an outstanding balance due on XXXX  - account number XXXX. This account does not belong to me. I have contacted all 3 bureaus and XXXX has removed this item from my credit report, however XXXX and Transunion have not removed this item. This inaccurate reporting is harming my credit score.
Consumer complaint received 2021-07-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (KY)

I simply received a PPP loan from the XXXX and out of nowhere .... based on 0 issues from the people I paid with that money ... my account at Chime was closed. No warning ... .no questions ... and now I lack a checking account, my payroll processor thinks Im shaddy cause it came up closed to them, I'm supposed to be moving in a week but I dont have a checking account ... .or a debit account and I did nothing fraudulent. 

The insult here is that Chime initially rejected my deposit, causing a delay of 25 days before the deposit was accepted. Because of their delay I couldnt get the second draw on the PPP and so they cost me {$18000.00}. Let alone I had to scrap by for 25 days before I got the needed funds ... .and now I dont have a bank account! I get its a personal account, but it was my personal business ... .and no one but me has been harmed by anyone ... .Chime, wish they'd have told me they would XXXX me with out any lube.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I recieve an email in 3 bureaus and they say I'm not the one who send out letters which is wrong becouse im sending all my disputes. No one help me. I'm demanding to delete all the inquiries listed or included in my dispute letter or else i will file a case.