davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (TX)

I purchased two dining chairs from Ashley Furniture XXXX on XX/XX/, for a total cost of {$190.00} with the promise that Ashley would deliver the chairs. The chairs were not timely delivered so, before they were delivered, we cancelled the transaction and requested a refund. Ashley continually refused to issue the refund, but they did cancel the delivery of the chairs. Finally, we disputed the {$190.00} charge on our XXXX credit card and won that dispute. We received notice that the dispute was resolved in our favor on XX/XX/. On XX/XX/, I received a letter from Ashley informing me that my account was " overdue '' and that I must " [ a ] rrange payment of this account today to avoid further action. '' I wrote a letter to Ashley reminding them that we never received the chairs and had prevailed in our dispute. They apparently sent an email to my wife on XX/XX/, in which they claimed, for the first time, that their " records indicate that this amount [ {$190.00} ] reimbursed twice to you '' and that " {$190.00} is owed to us. '' I emailed the three Ashley associates listed on the email to my wife asking for verification that the amount was reimbursed to me twice and have not received a response or verification of that fact. Ashley is still threatening to report a false overdue debt to the credit bureaus without confirming the double reimbursement.
Consumer complaint received 2022-07-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (MN)

On XX/XX/XXXX I made a bank account with Wells Fargo. On XX/XX/XXXX XXXX I deposited a check worth {$870.00} into the account. When I tried to take cash right after I deposited the check I was told to come back the next day. Then on the same day I received an e-mail that stated my account would be closing on suspicion of identity theft. The email said the account was expected to close by XX/XX/XXXX. Once I saw this email I went back to the physical branch the next day to ask what happened. They told me I would be able to make a new one but the first one would have to close. I asked about my money and they said as long as I get my money about before the account close everything would be fine. The money never got deposited into my account and then on XX/XX/XXXX I got an email saying my account was officially closed. When I saw this email I went to a branch to find out what happened to my money. I had to wait in line for an hour if not longer only to be told to call the loss prevention phone number. I then had to wait on hold for over an hour before a representative answered and told me to go back to a physical branch and have them call the same number they gave me and then they would co-ordinate what to do to solve the issue. The 3 weeks that followed were me trying desperately to retrieve my money as the bank gave me excuse after excuse like " There's a hold on the account, '' or " we have already mailed the check. '' Finally I decided to go one last time and say I wouldn't leave until I got my money. After waiting in line for almost an hour and a half, I had to beg the teller not to send me home empty handed. She then told me if the money didn't reach the account it probably wasn't deposited and I should go to my employer and ask for a new check. I then went to my employer and was then told the check had been deposited and there was nothing they could do for me. So here I am now over three weeks later being told I have to wait for a letter which I've been told was either never mailed or was mailed 2 weeks ago. I have been stressing over this for three weeks now needing the money to contribute to my rent. It is utterly absurd that this happened in the first place and it is unacceptable how the people at the bank handled it.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2022-07-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCA Collections, Inc. (FL)

The original creditor submitted claim under incorrect insurance member ID. They had 6 months to resubmit under correct member ID but instead sent to SCA Collections to try to collect this debt. XXXX XXXX waited until more than 1 year after date of service ( XX/XX/2021 ) to resubmit claim to XXXX XXXX for payment under correct Member ID. I have attached documents from XXXX XXXXXXXX XXXX my XXXX insurance ) showing the amount of this debt that I am responsible for is XXXX! PLEASE seize all attempts to collect this debt and delete from my credit report IMMEDIATELY!
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!
Consumer complaint received 2023-09-25
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: Experian Information Solutions Inc. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim.
Consumer complaint received 2022-05-22
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. (VA)

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

15 USC 1681 Section 602 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 2022-05-19
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. (NJ)

Purchased tickets ( XXXX XXXX ) on XXXX to XXXXXXXX XXXX XXXXXXXX show- for XXXX gift for kids. Order # # XXXX - paid with my Chase Card Show was scheduled for XX/XX/XXXX XX/XX/XXXX we received a notification from XXXX that entry requirement has changed and all attendees to this event must be vaccinated. 
Since we couldn't accommodate, we have requested a refund from XXXX on XX/XX/XXXX. XXXX representative XXXX XXXX replied that she understands and that our tickets are no longer valid for entry and that refund was to be issued within 30 days. 
After multiple attempts ( calls ) to get the refund processed, XXXX is yet to issue one. 
I have filed an online dispute with my credit card company to dispute the charge ( around XX/XX/XXXX ). There was no contact from Chase, asking to provide any additional details. Chase refused the dispute. 
I called Chase to ask for the reasoning and no actual reason was provided, only that the charge is valid. I told them that they should have contacted me for evidence that refund was supposed to be issued. In response I was told to re-open the dispute, by sending a letter to Chase with all the evidence. 
I sent a letter- re-opening the dispute on XX/XX/XXXX and provided the evidence if XXXX own admission that refund should had been processed within 30 day of my initial request. 
I just received a letter from Chase informing me that the dispute was closed and the charge is valid and Im responsible for the charges and all associated interest. 
XXXX is not responding to calls, Chase is ignoring the evidence and not basically finding in favor of XXXX. Im lost and need help to get this resolved. 
Please please please help to get the refund. It's bad enough that I had disappointed kids on XXXX, not getting the gift they wanted, now I'm out of over {$800.00} and no way to recover the money.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (DE)

I recently reviewed a copy of my credit report I was shocked to learn I have been a victim of identity theft I found numerous accounts on my consumer report that wasn't open by me I'm in the process of buying a house for my family in these fraudulent accounts are hurting me. Please remove this from my consumer report as soon as possible.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Accounts are remaining on my report as being verified without proof of verification. 
An FTC report has been sent to remove accounts within 4 business days. Accounts have not been removed due Transition own internal reasons that was not disclose to me of what the internal reason were. Also the XXXX account has been verified as a fraudulent account and documentation was submitted to Transunion on XXXX XXXX. This information was totally ignored by Transunion. The investigation has been completed and does not need to be dithered looked into. Account should be removed immediately. I will be moving forward with a lawsuit with credit bureaus for stress damages and defamation of character.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting Act, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the Fair Credit Reporting Act, 605 Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years I have requested Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX. XXXX  XXXX Bankruptcy - XXXX # : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts if it isn't reporting correctly. Also. 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 2023-09-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NY)

Hi, My loans were transferred over from XXXX XXXX to Mohela because I am under XXXX and also under XXXX. Initially I was told that my payments would return to my pre pandemic payments which were {$73.00} until I have rectify the earliest which would be sometime next year. This was being reflected on my Mohela page as well. Today I logged on to see that my payments would be over {$4000.00} with a date of XX/XX/XXXX. This is extremely frustrating as a consumer and I have been on the phone for over an hour without an answer.I have attached documents of my old statement from XXXX and also what I saw on MOHELA today. Thank You
Consumer complaint received 2023-09-23
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: Experian Information Solutions Inc. (TX)

I submitted a letter to the 3 Credit Bureaus 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, and I'm including it again. 
DEPT OF EDXXXX XXXX Balance : {$0.00} ; DEPT OF ED/XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$12000.00} .
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 
3. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 4. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX XXXX
Consumer complaint received 2022-11-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (OR)

This company continued to charge overdrafts for a total of XXXX $ - They offer no ability to catch us and charge every day. I have tried to reach out to the company to see if they would be willing to negotiate the fees with me due to recently losing my job from the horrendous economy we are in and covid and they were unwilling to budge on any of the fees. I need help desperately. This should be illegal to charge that much money in fees especially in this economy.
Consumer complaint received 2023-09-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account 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, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-25
Product: Credit reporting 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. (GA)

I received my received my credit report on XX/XX/, from Transunion, XXXX, and XXXX. Some information I do not recognize and inquires I didn't not authorize
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.