davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-23
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. (GA)

SOMEONE STOLE MY ID AND SOCIAL SECURITY NUMBER AND USED IT WITHOUT MY CONSENT AND KNOWLEDGE. THEY ALSO USED MY ID TO OPEN AN APARTMENT LEASE IN MY NAME. THEY ALSO OPENED UP A CABLE SERVICE ACCOUNT IN MY NAME AS WELL. I AM WRITING TO REQUEST AND INITIATE A FORMAL COMPLAINT AGAINST EQUIFAX, XXXX, AND XXXX XXXX  & # XXXX 's. ON XX/XX/2021 I MAILED EQUIFAX, XXXX, AND XXXX TO BLOCK FRAUDULENT INFORMATION BEING REPORTED, ACCOUNTS FOR WHICH I AM A VICTIM OF IDENTITY THEFT ( ATTACHED ). THEY HAVE BEEN UNWILLING AND/OR UNABLE TO CONDUCT AN ADEQUATE INVESTIGATION AND/OR FAILED OR REFUSED TO BLOCK USUSAGE OF THESE FRAUDULENT ACCOUNTS BEING REPORTED. PLEASE CONTACT THESE AGENCIES AND INITIATE A FORMAL INVESTIGATION INTO POSSIBLE VILOATIONS OF THE FAIR CREDIT REPORTING ACT AND/OR FAIR DEBT COLLECTIONS PRACTICES ACT. I WILL ALSO BE CONTACTING THE ATTORNEY GENERAL AND POSTAL INSPECTION SERVICE FOR OTHER POSSIBLE VIOLATIONS OF THE LAW.
Consumer complaint received 2020-12-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IL)

Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!
Consumer complaint received 2022-04-24
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. (TX)

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 ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX 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 2022-04-23
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. (LA)

On XXXX XXXX, XXXX  a fraudulent charge of {$2200.00} was made on our Chase XXXX XXXX account ending in XXXX. The charge was for XXXX XXXX. 
My wife and I became aware of the charge several days later and contacted Chase. 
Chase cancelled the card and issued a new one ending in XXXX. 
Chase opened a fraud investigation into the matter. 
All seemed well until XX/XX/XXXX when the fraudulent charge was reinstated by Chase on the new account for the XXXX 
This was very alarming as we did not make the purchase nor have we used XXXX XXXX in recent years. 
When contacted, Chase guided us to Fraud Recovery and the employee indicated that the investigation did indeed show I made the purchase. When asked for proof they could or would NOT produce it. I took the matter up to management level and they reopened the investigation whereupon we were informed that they reinstated the charge a second time as I did make it. 
I confronted them again and they have been evasive and uncooperative and again failed to produce any evidence of the charge saying they couldn't reach XXXX. Surprising as I did relatively easily and XXXX opened a fraud investigation and could not find evidence that I made the purchase. 
On XX/XX/XXXX after heated discussions, a representative contacted me saying that we would be credited for the amount but a two search search of our statement shows the charge is still there. 
We are angered and dismayed as we did NOT make the purchase and further have no evidence of any kind on our end that we ever purchased anything from XXXX in the last few years. How can I prove a negative? 
Per FTC guidance we did send a certified letter to Chase demanding their proof. We await their response.
Consumer complaint received 2020-12-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (IN)

Today XX/XX/14 I applied online for a refinance and received this response : LET 'S GET YOU APPROVED Congratulations! 
You're Approved Eligible* Powered by XXXX XXXX, it was that easy. 
Property : Your property has been approved. No appraisal needed. 

Now, Let 's get you fully approved! 
We'll call you shortly to review the loan and get you fully approved. 
We will be calling you from XXXX *Based on the information we have obtained so far and subject to verification of information as required by underwriting guidelines. 

footer logo AmeriSave Mortgage Corporation, XXXX ID # XXXX, ( www.nmlsconsumeraccess.org ) ; Corporate Office : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX - XXXX XXXX, XXXX, GA XXXX. Additional disclosures and licensing information may be found by clicking here on this " Disclosures & Licensing '' link. For questions regarding state licensing, please contact ( XXXX XXXX XXXX. Not all products and options are available in all states. Terms are subject to change without notice. Some people portrayed are professional models. 

However, when I talked on the phone with an agent at XXXX the woman said there would be an appraisal fee and she hung up.
Consumer complaint received 2024-12-04
Product: Prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP (GA)

On XX/XX/XXXX us bank focus transferred my money from one us bank focus pay card to another us bank focus pay card, both were in my name both were from my job at XXXX. They assured me this transfer would effect my account and they deactivated the card I transferred the money from, then my job kept depositing my payroll on the deactivated card. After learning I couldnt spend my money I called, they said it would cost me {$50.00} to over night new card ( even though I never requested my card be deactivated ) I informed the company that I had new address, that I had already changed address with both my job and on my us bank app. They still required either a five day from call to automatically verify address or I could fax in my driver license and mail with my name on it, so I did. This was on the XXXX of XXXX. I call next day, now they say my change of address mail from post office wasnt enough to to verify, so I resubmitted license and a signed lease. Called back they now having trouble locating my account and telling me to contact my employer, which I did. They said all they can do is remove card and add my direct deposit but as far as money in account that was my problem, called bank back, now they can find my account can see my documents but the signature page was missing from lease agreement, which I know it wasnt. Still us bank said after five days it would verify itself.. today surpasses the five days.. I call and still they refuse to send me another card now they are telling me that because they tried to verify on Saturday my five days starts over. And each time I call my five days starts over! The company is fraud. Ive done everything they ask of me and each time give me another excuse to why they refuse to give me my money my job has made three deposits since I requested new card. They say my account isnt good, yet money goes on card, I just cant use any of it. Im getting kicked out my house because I cant pay my rent.
Consumer complaint received 2022-04-23
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: CITIBANK, N.A. (CA)

I purchased a coffee table from XXXX XXXX. It was delivered to me defective. I called them on XX/XX/22. We spoke for 20+ mins. They didn't know what they wanted to do. So the guy said he'd have someone call me back. No one did. So I disputed the purchase. 

XXXX XXXX told Citibank that I didn't call them on XX/XX/22. I provided proof to Citibank I did. Then I provided to Citibank pix of the defective coffee table. 

Citibank ultimately denied it saying I didn't provide a complete response. They said I didn't provide what I expected to get vs. what I actually got even though I provided pix from the website AND pix of the defective furniture. 

I got a bad piece of furniture. I did everything properly. I provided overwhelming proof of the issue. XXXX XXXX was proven to be dishonest. 

To have Citibank tell me I didn't provide enough is lunacy. I provided everything Citibank asked for and more.
Consumer complaint received 2020-12-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CONGRESS COLLECTION CORP (MI)

Congress Collection placed a {$3700.00} collection on my credit file from XXXX XXXX after a yr of requesting they verify the debt, They are also reporting the incorrect amount I owe which is substantially different than the amount they were awarded by the court. I have asked that they remove the inaccuracies from my report but the manager at this collection has refused to update information with an accurate amount. She has treated me very unkindly and been extremely rude hanging up the phone in my face. She told me to stop calling their offices about this debt because she wasn't removing anything. I offered to provide proof that the amount is inaccurate but she refuses to accept any documentation regarding this matter. I sent this lady proof over 4 years ago which she completely disregarded. She has not even verified this debt as accurate.
Consumer complaint received 2020-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

This is my second complaint against Chase. My original has been closed, the case # for reference is XXXX. In their response which I have attached below, they claimed again that we have not been in communication with them. Which as we proved in that case as untrue. Prior to filing the first complaint, we emailed, mailed and faxed ( from a Chase bank service location ) all of the documentation that said we never provided. That documentation was also in the original complaint which they clearly did not read. Since that original case was closed on XXXX we have called the phone number they provided in the letter twice a week, every week. No one has ever picked up, and no one has ever returned our call. These are DECEPTIVE practices and we want to speak to someone immediately and acknowledge the receipt of the documentation we submitted SIX times ( three times by email, twice by fax, and once by mail )
Consumer complaint received 2022-06-19
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. (IL)

Accordance with Fair Credit Reporting Act XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX 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 account without my written instructions.
Consumer complaint received 2022-04-23
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. (VA)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF INQURIES BELOW VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS AND CONFIDENTIALITY UNDER 15 USC 1681. 15 USC 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 USC1681. 604 A SECTION2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITH MY WRITTEN CONSENT. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-07
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. (MI)

Hello, To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report.
Consumer complaint received 2020-12-14
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: CITIBANK, N.A. (TX)

Citi refuses to issue a chargeback to a merchant that didn't delivery the service that I paid for. I purchased tickets on XXXX XXXX and they cancelled the flights. United States Federal Aviation Administration regulations require that airlines issue a refund when a flight is cancelled and the customer doesn't travel, which is the case here. 

XXXX is being unresponsive, so I have turned to Citi to issues a chargeback because I charged the tickets on their credit card. They refuse to issued the chargeback and also refuse to show where I agreed to terms and conditions that say the flight is non-refundable even if the flight is cancelled. 

My most recent contact with Citi was XX/XX/2020 and they said they considered the matter closed.
Consumer complaint received 2020-11-20
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: CAPITAL ONE FINANCIAL CORPORATION (IN)

It was at the beginning of covid things were shutting down. I thought I had found a job but had to interview first. So the person said to talk on XXXX XXXX. It seemed legitimate he paid off my credit card or so I thought. The next day he had me go get a gift card from XXXX for XXXX $ and send him pictures of the card. I did as asked when I realized it was a fraud I had looked into the card online and saw charges for XXXX XXXX. I called capital one and they said they cant do anything about it that even though I was scammed it was my fault.
Consumer complaint received 2022-01-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Affirm Holdings, Inc (IL)

It's saying the account is still opened. It shouldn't be. I paid my loans off within 2-3 months when it was supposed to be a year loan! I've tried to dispute and that doesn't work. It did tell me it would stay on my credit for 10 years. Then I also figured out this kind of loan is actually a bad loan to have on your credit report. Makes other creditors think you're risky. I don't know why it can't be removed! They got their money!
Consumer complaint received 2022-04-24
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MS)

Please investigate the following claims versus me of which I've contested the reporter 's privilege to do so and launched challenges of the evidence supporting their claim of reportability! The information I suspect is in deviation from reporting requirements include but likely is not limited to the following so please require removal or evidence of reporting adequacy : XXXX XXXX  Account # XXXX Reporter making unverified accusations of injurious derogatoriness and or allegations of delinquencies elsewise does so without satisfying their requisite criteria to have even utilized the PRIVILEGE to report and further failed to substantiate claim 's report-ability upon my rightful challenges to demonstrate confirmed certifiably compliant reporting processes and practices such as provable absolute adherence to the mandates of reporting laws and standards including but not limited to that of the FCBA, FCRA, ECOA, applicable state regulatory requirements and or even that of the mandatorily utilized XXXX Data-filled field formatted reporting standards. Per XXXX 'S own XXXX manual, " ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA '' alleged, thereby bringing into question reality of reporter 's actual obeyance of laws. Federal reporting regulatory requirements include a minimal compliance of reporting to a degree no lesser than that of a MAXIMUM POSSIBILE ACCURACY AND MAXIMUM POSSIBILITY OF COMPLETENESS. YET, the reporter still reports deficiently despite my notifications of such and calls for them to vet their own processes and practices and abiding by the very standards deliberately designed to aid adequacy in lawful reporting. 

I can only assume the reporter was willfully noncompliant in their injurious unfair reporting or at best recklessly negligent in ignorance or purposeful disregard of consumer rights much less it's own reporting requisites to satisfy the very conditional criteria for their obviously assumed privilege to report. 
I request you to force the deviant reporting bodies involved to cease reporting at least until data alleged is certifiably compliant to mandates or else eradicate the allegations in permanence altogether!
Consumer complaint received 2020-08-26
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. (LA)

Someone has stolen my identity. Back in 2011 someone got a hold of my wallet at local bar for the last 9 years I have had bank accounts, credit cards, etc in my name that I did not agree with nor known anything about
Consumer complaint received 2021-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have attached an account that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have this account deleted due to not following the FCRA and reporting 100 % accurate to all three of the credit bureaus. I have attached highlighted pictures of the accounts with the inaccuracies.
Consumer complaint received 2020-11-20
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. (TX)

I have disputed an account on my credit file back in XX/XX/2020 that is showing up on Transunion only, and Transunion has failed to removed this fraudulent account off my credit report. As I have stated to them that is account is not mines and I didn't open this account. This account was apparently open without my consent. If Transunion can not provide me with the evidence from the creditor- XXXX XXXX XXXX XXXX XXXX That I Ms. XXXX XXXX willingly and knowingly authorize to open up this account, then Transunion need to remove this from my credit file. Why will I open up an account that gave me a {$13000.00} credit line and then close it 2 days later if I had indeed legally authorized this account to be open? ....
Consumer complaint received 2020-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I signed up for a two year subscription with TransUnion 's myIdentity credit monitoring service on XX/XX/XXXX. I used this service regularly and received monthly credit monitoring reports to my email address. In XX/XX/XXXX I received multiple credit alerts while I was in hospital. When I tried to login to my account I was unable to access it. After discussing the matter with their customer service department they helped me reset my password. When I logged in, I no longer had access to the services I had purchased. When I called back they informed me that my account had been created on XX/XX/XXXX and they had no purchase history and no other accounts on record and told me that since I was not a customer they would not help me any further and hung up on me. I tried to reach them via other channels such as social media without success. To date I have not been reimbursed or had my services restored, there has been no direct acknowledgment of my issue. I have records of our email correspondence from present day going back to my initial purchase on XX/XX/XXXX. I have attached my initial membership as well as my most recent credit report notification ( XX/XX/XXXX ).