davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-31
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. (IL)

I am a long time Chase Sapphire Preferred card member with excellent credit. I purchased a trip using XXXX prior to the COVID pandemic for my husband and I. Due to a lack of babysitter, we changed our days of the trip, moving it to 2021. As soon as COVID hit, I was contacted that all trips were canceled automatically and XXXX had shut down. I was advised to go through my credit card for a refund. I have now tried this XXXX times and I keep getting denied- told the charge is valid. I expect my credit card to help protect against nonsense like this. My business is worth it. I was never offered an alternative, like taking a train check out credit in the future. I also checked with the resort, XXXX XXXX XXXX XXXX, and they were not paid. We will never be able to take this trip and our money was stolen! 
I have an email that states that XXXX  refunded the money. Not sure if this is true or not, but if they did, where is it? Please help me. All documents with dates, proof and prices attached. 

Thank you!
Consumer complaint received 2022-09-20
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: Bread Financial Holdings, Inc. (FL)

XXXX XXXX Received YOUR response on my complaint. I still to this day have not received anything stating they denied the claim. I was told when I called in the complaint that not to pay the item and disregard the late fees and interest. I was confused on their reply, they did not even investigate the complaint. I called XXXX XXXX and was told they had not call on the charge. I have been as customer for more than 25 years on this card. It is great until you have a problem I had to mail in XXXX letters to XXXX different address and was told they never got them. on my XXXX call to the customer care ( a joke ) one person told me I need to do this on line. Which I did, I believe a total of 5 times and sent in all the information along with the reservation print out that states it is a free cancellation. They did not even call rXXXX  or XXXX to find out why both charged a fee of XXXX. Within XXXX minutes of my booking I called rXXXX and was told to late so sorry. I then called COMENITY BANK and told them not to pay this amount, was told can't do this until it hits your bill. Call back in a few days ... which I did. This is when this bank turned XXXX and XXXX. I would like the information they received when they investigated this and the people they spoke with. This is not a BANK it's a loansharking operation. Their reviews should have already shut them down. Who will investigate them?? This amount needs to be removed from my closed account. The only call I received from the COMENITY BANK WAS FROM THEIR COLLECTION DEPT. HE HAD NO CLUE ABOUT THE PROBLEM AND COULD CARE LESS.
Consumer complaint received 2022-07-20
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. (MO)

I sent a complaint on XX/XX/XXXX to remove inaccurate items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # 's XXXX, XXXX, XXXX. I am including it again. 
XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX : {$XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-10-31
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. (TN)

I have 3 mortgage hard inquiries on all three credit bureaus I didnt not authorized or have any knowledge of. As they should see, I have no open mortgage accounts. Also, I have 1 extra hard inquiries on equifax from a car dealership that I have no knowledge of. I have called the credit bureaus to dispute the hard inquiries but no help.
Consumer complaint received 2024-11-29
Product: Credit 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: Atlanticus Services Corporation (GA)

My cc was stolen and persons made charges on my account, reported the stolen card and requested a new one a put a claim on the charges, I was told they dud an investigation and I made the charges, these cc companies nowadays are just not investigating the charges period, our the card was literally stolen and charges were made online during the time I explained I didn't have the card in my possession and it was used, they closed the account and put on my credit report and expect me to pay for a fraudulent actions, mindful I always paid my bill on time and I'm trying to build credit, when I asked for a copy of the report they supposedly did they wouldn't send it, these cc companies are robbing people blind this is the aspire credit card company
Consumer complaint received 2022-09-11
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. (AZ)

I have tried to fix this situation with all 3 credit bureaus. I have been a victim of identity fraud my identity has been found on the dark web and Equifax data breach. This has affected me from purchasing a home for my kids and providing a better life.

According to the ( section code 15 U.S. Code 1681 b Permissible purpose of consumer reports ), violation of consumer privacy act. the law prohibits any fraudulent accounts from being reported on my account I demand immediate removal.

failure to do so i will execute my ( consumer rights code 12 U.S. Code 5533 consumer rights ).

The following account are fraudulent accounts I demand immediate removal. 
XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Following Inquires were not authorized by me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2020-10-30
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: DISCOVER BANK (DE)

I've written XXXX concerning act # XXXX on XX/XX/2019, XXXX XX/XX/2019 and XXXX XX/XX/2019 the this act did not belong to me. XXXX has refused to respond back and is continues to cause me from getting loans, job promotion etc. 

Pursuant to section XXXX XXXX a ) of the FAIR CREDIT REPORTING ACT ( FCRA ) I, The XXXX XXXX is respectfully demanded and/or or request that I be furnished with a copy of any and all applications, contracts, documentation and/or information within XXXX XXXX XXXX file used to determine verification of each account being reported and that pursuant to 609 ( c ) ( 1 ) ( A ) OF THE FAIR CREDIT REPORTING ACT ( FCRA ) a summary of rights to be included with your disclosure for inspection and examination of the above referenced account. Please note : that Consumer is in compliance with 610 ( a ) ( 1 ) of the FAIR CREDIT REPORTING ACT ( FCRA ). XXXX XXXX as the rightful occupant of the XXXX XXXX of the aforementioned Estate, which is a beneficial estate for XXXX XXXX, Estate [ XXXX ] Please remove unauthorized act from my private/personal credit file.
Consumer complaint received 2020-10-30
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. (CA)

Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Milliman, Inc. (CA)

Subject : Request for Security Freeze on Credit File I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). I attempted to make this request through your agencys online portal but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. Below is the information needed to process this request : Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-20
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. (MO)

I sent a letter on XX/XX/22 to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX XXXX XXXX & I am including it again., XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$500.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$730.00} ; XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$740.00} ; XXXX XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$770.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX
Consumer complaint received 2020-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On Wednesday XX/XX/2020 at approximately XXXX a charge was posted to my account from TU*Transunion for {$19.00}. I was asleep at the time of the posting of this transaction. I didn't discover I had money missing until around XXXX that evening. I looked on my account debits and saw this, then, not knowing who or what Transunion was, I looked them up online and called their number to explain they had taken money from me for a service I did not authorize, they then asked for my entire social security number, which I declined to give because no one should ever ask for the entire number. They tried to insist that I set something up with them back in XXXX. They asked for my name and address to verify that way, I gave that information, but then they told me they still needed my entire social security number. They told me I'd need to call another number to cancel and they'd still need my ssn. I got upset and hung up and called my bank to dispute the charge and get a new card issued to try and prevent these charges from recurring as this is fraudulent activity. Then, on Friday XX/XX/2020 they have sent me an email trying to get me to use a service they are charging me for that I didn't ask for. This is the first email I've ever received from them and the first charge I believe I've received from them. Who are these people? This is such a scam!
Consumer complaint received 2022-06-10
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In 2019, I bounced a personal check from Credit Union in my BofA account. The reason I wrote it was cause my CU ATM was broken and I needed cash. 

I accidentally miscalculated and my check of {$200.00} bounced. I paid the debt and check systems shows as paid in full. 

BofA reported to XXXX as fraud activity! This has prevented me from opening a bank account ANYWHERE! 

It was an accident and not an act of fraudulent malice on my part. 

When I tried to deal with BofA they initially assured me that it will be take care and removed since it was paid in full. of etc. But ultimately refuse to remove it and respond with " we don't have to ''. 

I tried to dispute via XXXX but they state that BofA investigated and find it to be accurate. I don't understand what investigation of {$200.00} accidental bounced check that was paid in full was initiated, or how or what??? It makes no sense to me. 

Please help me BofA RTN # XXXX {$200.00} Paid in full
Consumer complaint received 2022-06-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Benuck & Rainey, Inc. (AZ)

Debt was a result of a Workers comp claim. All information was provided to original Creditor XXXX to file under the active workers comp claim after numerous times advising the same information and no results I included in a XXXX XXXX  bankruptcy filed XX/XX/2021 that has been discharged I also provided XXXX with the Case number and I am still getting collection calls and now letters from Benuck & Rainey , Inc they were also advised of the same information via phone call for the debt. At this point i feel it is harassment and they did not take the proper steps to resolve the issue.
Consumer complaint received 2022-07-13
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

This company calls me and my parents. They told my parents that they are an officer of the court and need to file a civil complaint against me. They claim it is regarding a credit card with HSBC that I have no knowledge of. I have called HSBC and they have no record of it either. it is not on my credit report and they call my by my last name that I have not used in over ten years for an address that I have not lived at in over XXXX years. They have threatened to embarrass me at my place of employment and have even cursed at me on the telephone and told me to " pay my XXXX bills ''
Consumer complaint received 2020-10-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: REGIONS FINANCIAL CORPORATION (NC)

Payoff amounts were incorrect on Closing Documents multiple times. Also addressed with the lending officer that lender fees, and other payoff amounts were incorrect. Process was drawn out from XXXX XXXX due to mishandling of secure documents, and incompetency of lending institution. 

Please contact for further details..
Consumer complaint received 2020-10-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (WA)

I have applied for a modification and was denied due to value on home but they did not use the all money owed on mortgage to calculate this claim. I dont believe they are following HAMP guidelines and want a new review done for modification.I also want to know if they used the low value from the appraisal or the high value. They also need to add in all arrearages and lump sums to totals current mortgage before evaluating. Low AVM value was $ XXXX
Consumer complaint received 2020-10-30
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. (IL)

XXXX and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine.
Consumer complaint received 2023-05-01
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: EQUIFAX, INC. (CA)

This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX   XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$1700.00} ; XXXX XXXX XXXX XXXX XXXX : {$6800.00} ; XXXX XXXX XXXX XXXX Balance : {$920.00}.
Consumer complaint received 2020-10-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. (CA)

I have an account with Citibank. On XX/XX/2020 I logged in to Citibank online and submitted an inter-institute-transfer to transfer a large sum ( 90 % of my all of my balance with XXXX XXXX  ) from my linked XXXX XXXX  to my Citibank account. On XX/XX/2020, that sum was deducted from my XXXX XXXX  account and I was left with a small amount ( 10 % ) in that bank account. Not worrying much, as I thought the funds will be in Citibank account the next day or so. But till today, XX/XX/2020, funds never arrived in my Citibank account. I have spent numerous hours with Citibank customer service, filing various complaints, yet absolutely zero response to the date and no credit either. So I am without funds for more than a month.
Consumer complaint received 2022-09-11
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. (AZ)

Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize the following accounts XXXX XXXX, XXXX XXXXXXXX XXXX Following Inquires were not authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Following Accounts were fraudulently opened, were not authorized by me : Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 
Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Sincerely, I have tried to fix this situation with all 3 credit bureaus. I have been a victim of identity fraud my identity has been found on the XXXX web and XXXX data breach. This has affected me from purchasing a home for my kids and providing a better life. 
According to the ( section code 1

5 U.S. Code 1681 b Permissible purpose of consumer reports ), violation of consumer privacy act. the law prohibits any fraudulent accounts from being reported on my account i demand immediate removal.

failure to do so i will execute my ( consumer rights code 12 U.S. Code 5533 consumer rights ).
Consumer complaint received 2022-09-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2022 which was the agreed date to receive the I never got them and the persons involved took my money even after telling me I could get a refund the amount of {$500.00} was sent to a XXXX XXXX using XXXX
Consumer complaint received 2022-09-03
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. (CA)

I have sent dispute letter on XX/XX/2022. I told all three credit bureaus to INVESTIGATE and VERIFY all information on every account but I got the dispute result from XXXX that the disputed item is verified and updated. 

They can not just say verified and updated the account without proving me regarding proper investigation. Also, every information on the accounts are still not reporting 100 % accurate. According to the FCRA 15 USC 1681, all information should be 100 % ACCURATE. I have the credit report to prove the inaccuracies. 

List of accounts XXXXXXXX XXXX XXXX Account Number : XXXX