davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2017-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MO)

I have made several phone calls and send several letters disputing inquiries that I did not authorize. For the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX last letter I send they responded back on XXXX XXXX in which they ignored my letter. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and serious breach of my privacy rights. Equifax has failed to validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature an inquiry in the absence of any such documentation bearing my signature I requested the fraudulent inquiries be immediately deleted from the credit file that is maintained under my social security number.
Consumer complaint received 2020-10-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: DISCOVER BANK (FL)

On XX/XX/28 I transferred XXXX from my Discover Bank account to a newly opened XXXX XXXX account, unbeknownst to me XXXX XXXX closed the account because I use my XXXX store as a mail address. On XXXX Discover transferred the money on line. XXXX XXXX says that the money was rejected and Discover says they do not have the money. Neither Says they know where the funds are.
Consumer complaint received 2021-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/2021 I first disputed an unauthorized charge on my Chase Bank credit card ending in XXXX in the amount of XXXX for an unwanted subscription price increase by the XXXX XXXX XXXX. The XXXX XXXX XXXX  accepted my request to immediately cancel my subscription number XXXX on XXXX. 

After 4 months of disputing the charge unsuccessfully Chase executive dispute team advised me to have a new credit card ending in XXXX ( with exactly the same benefits ) issued to block the XXXX from automatically rebilling my existing card. 

After a time consuming process of notifying critical merchants of the card cancellation Chase compromised my financial security by providing the new card number ending in XXXX to the disputed merchant and others.
Consumer complaint received 2017-12-19
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (TX)

I received a pre qualified offer streamline refi offer from chase bank ... I called, applied. They said my application was good. The next day I received overnighted docs.. I signed them, returned them in a prepaid XXXX. A week later my XXXX called said that method of sending docs ( does n't work ) and that I had to fax them directly. I was out of town, so I faxed the docs when I returned on XXXX XXXX. ( App was taken on XXXX XXXX ). I heard nothing. Then on the XXXX of XXXX I emailed to get status. On XXXX I got a reply stating application was withdrawn due to the lack of submitting documents, even though I submitted twice!!!!! XXXX refuses to help me any further, and said I needed to wait for the next offer and reapply again.
Consumer complaint received 2022-08-21
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. (FL)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-09-11
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. (TX)

As stated in the FTC Affidavit that was sent to EQUIFAX and I will attach again to the CFPB Case i am submitting now. I am a victim of ID theft. I am requesting the Accounts be blocked that were placed from EQUIFAX on my credit reports. These accounts are fraudulent and are listed on the FTC Affidavit. You are required by law to follow the FCRA Requirements when someone is a victim of ID theft. I have a right to request actual documentation if you keep trying to be accusatory and saying these fraudulent accounts are mine. These are not my accounts. My identification documents were stolen and these accounts were opened. You have not performed a proper investigation either as you would know these accounts were opened without any signature card online with XXXX XXXX. XXXX XXXX has a policy to not open any accounts or allow accounts to be accessed without a signature card on file. I never received one and I never signed one. These accounts were opened at a fraudulent address. Yet Equifax continues to ignore my attachments and continues to report fraudulent accounts back onto my credit file. I do not authorize you to place fraud on my credit report, You are the only credit bureau whom continues to report fraudulent information. You are the only credit bureau that keeps trying to blame me for fraud committed. I have not opened these accounts. You have not verified any information, You have not submitted any information. Therefore the information you are reporting is inaccurate, Fraudulent and False. You are illegally reporting fraud on my credit bureau report. Once again I am attaching the FTC Affidavit. I am Exercising my right as a victim of Identity theft to have these accounts blocked. You must follow the laws put in place to protect consumers. You have law enforcement documentation you continue to ignore. As a credit reporting company you can not violate the FCRA laws and yet you continue to do so. Nothing has been done to resolve this. I did not apply for any accounts online, and without any further documentation providing proof you can not say you verified anything. What are you verifying? Where is your documentation providing proof of investigation and what the results were? Again you are violating laws put in place. Please review with the FTC if you do not know how to handle victims of identity theft. As a consumer reporting agency you must block the information i provide proof that is fraudulent.
Consumer complaint received 2020-10-21
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$430.00}, {$4600.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on  XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$430.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4600.00} -This is not my account.
Consumer complaint received 2022-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: HCFS Healthcare Financial Services of TeamHealth (NY)

Received letter dated XX/XX/XXXX from HRRG stating " Our client has authorized us to offer you this settlement. '' Account balance {$1700.00}. Don't know this card, never applied. Been totally disabled since XX/XX/XXXX.
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (NY)

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX ) XXXX XXXX Attention : XXXX  XXXX Department XXXX : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my XXXX credit report. My latest credit report shows credit inquirY that I did not authorize. 
I am writing to dispute the following inquiries and ask for their removal from my credit report. 

Please have these unapproved inquiries removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I have an account with XXXX XXXX XXXX XXXX that was awarded to my wife in our divorce on XX/XX/2014. I notified the bank and they were suppose to stop reporting on my credit report as I was no longer responsible for the account. They continue to report this account as a charge off since my ex wife let the account go. She original owed {$7200.00} she paid about {$770.00} because now the balance is {$6400.00}. I have n idea if this balance is accurate as I have no contact with my ex wife.I have written to all three bureau several times asking for the removal of this account and have even provided a copy of my divorce decree for them.
Consumer complaint received 2020-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (TN)

US DEPT ED XXXX USDOE/XXXX  XXXX These accounts are reporting IN ERROR on my credit report and i have requested for an investigation into this matter and there has still been no resolution. Please help me. I am trying to purchase a home and this is a huge problem thats stopping me
Consumer complaint received 2020-09-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (VA)

On XX/XX/XXXX I disputed an account reported by XXXX XXXX ( Original Lender 11 XXXX XXXX XXXX   ) in the file maintained under my Social Security number. I was informed on XX/XX/XXXX that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report under the name Afni Inc on XX/XX/XXXX under two different account numbers for XXXX   and XXXX. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification.
Consumer complaint received 2017-12-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (TX)

I have a student loan with American Education Services ( I used to have it with XXXX XXXX XXXX [ XXXX ] ). The monthly payments are about {$360.00} a month. I could not afford to make the payments and I have called AES numerous times asking them for a compromise. They do not have any alternative payment plans. The operators have told me that it will be reported to my credit report, but they do n't offer any solutions. The loan is over {$9000.00} delinquent. I ca n't afford to pay the delinquent amount, nor can I afford the monthly payment. 

The last phone call with them, on XXXX XXXX, XXXX, I requested the contact information of the lien holder of my loan. The operator told me they were not allowed to give out the lien holder information. She suggested I send a letter to AES and they would forward it to the lien holder. I mailed a letter on XXXX XXXX, XXXX. In the letter I requested the lien holder to roll over my delinquent balance into the loan balance. I also provided pay stubs as well as an XXXX file of monthly expenses. I requested that they lower my monthly payment to something more affordable. It is now XXXX and I have not heard from the lien holder or AES confirming my correspondence. 

I do not think it is appropriate to with hold information about my loan. I also do not think it is proper business practice to continue to charge delinquent fees when I ca n't even pay the monthly payment. I feel as if I 'm in this deep hole and they are making it grow exponentially. I graduated college during the recession, my first jobs were less than 30k a year and it has not improved with the current economy. Now I have a son and growing debt. I am not asking for the loan to disappear, but I am asking for it to become manageable.
Consumer complaint received 2020-10-21
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: EQUIFAX, INC. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report  from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited  to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX
Consumer complaint received 2022-02-01
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: EQUIFAX, INC. (CA)

Last year I discovered a false account with XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXXXXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX refuses to stop reporting. They are removed from XXXX. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine. 


XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX
Consumer complaint received 2020-09-22
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. (FL)

To whom this may concern I am a Victim of identity Theft. the Information Listed On this Report does not Relate to any Transactions that I've made this is Identity Theft. please Block this Information from my credit thank you
Consumer complaint received 2021-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CT)

XX/XX/XXXX Chase Card Service XXXX. XXXX  XXXX XXXX, DE XXXX Acc't Number : XXXX XXXX XXXX XXXX ( Fraudulent Charges Applied ) Dear Sir or Madam : I am writing to dispute a billing error in the amount of {$2100.00} on my account ( XXXX for {$630.00}, XXXX for {$690.00} and XXXX for {$840.00} ) The amount is inaccurate because of fraudulent activity. I did not purchase these items or have any knowledge of these items being purchased from XXXX 's or any other seller. I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. 

Further, the XX/XX/XXXX charge of {$840.00} was in Pending cc transaction when I discovered the Fraud. I called Chase advising them of these three fraudulent charges and ask that my card be canceled. So, Chase had opportunity to stop the Pending {$840.00} charge that day. But, did nothing. 

Chase 's letter dated XX/XX/XXXX stating that these transactions are valid does not answer the more important issue of Fraud. Someone, not myself, used my name and cc number to fraudulently purchase items. Just because my card was used for fraudulent purposes does not obligate me to assume the costs. In fact, that is absurd! Chase 's investigation is less than Best Practices and inviting customer dissatisfaction. Please explain your position of these transactions are valid as it is not very clear. How did Chase come to this conclusion and based on what criteria? Further, I have opened an inquiry with XXXX 's, Incident Report Number XXXX, which could have been requested by the Chase Fraud Dept. through myself. Being proactive! On XX/XX/XXXX, XXXX 's did a preliminary search and could not locate any of these charges against my credit card ending in XXXX or last name, while, labeling them as invalid. XXXX 's has forwarded it on to their internal investigating dept. So, are these charges actually from XXXX 's. These charges are bogus. A Federal Trade Commission ( FTC ) Consumer report was issued # XXXX. A Connecticut XXXX Police incident report was issued # XXXX. 

Enclosed are copies supporting my position. Please thoroughly investigate this matter and correct the billing error as soon as possible. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ct XXXX Home- XXXX Email : XXXX XXXX