davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (HI)

I requested my report from Clarity Services Inc, on a couple occasions. On one occasion back in early XXXX I had disputed much of the personal information they have on record for me, as it is not mine and never has been mine before. They have over 42 different inquires listed down and of those 42 only 12 of them are actually inquires that I granted permission to, the other 30 of them I never grated those companies permission to review my credit nor have I ever even heard of those companies. Clarity still refuses to remove them and still refuses to validate them to me. Also there are 5 incorrect addresses listed under home addresses those 5 are NOT addresses I ever lived at before. Then they have 16 different phone numbers listed under Home Phone Numbers and I havent had a home phone line in over 12 years, so every single one of them is inaccurate as their reporting only goes back until XXXX. Then they have 12 different cell phone numbers listed under Cell Phone Numbers of which 2 of them are actually mine. Ive never seen those others numbers before, theyre not mine! And then as we get to the section Drivers License Numbers they have a state listed claiming I have DL there and Ive never even stepped foot into this state let alone got a DL there. 2 of the 7 listed are accurate the other 5 are NOT. They have 8 different email addresses listed, only 2 belong to me. They have my employers company name wrong and have it listed as current when its a former employer. The occupations they have listed are wrong. And then in a section titled Net Monthly Income out of 17 different amounts listed only ONE is accurate. Oh and the biggest one is the section titled Banking Information they have 4 different bank accounts listed, only 1 is actually mine the rest Ive never seen before. 
They are serious reporting A LOT of inaccurate made up information on my file and it concerns me greatly. But whats more concerning is their refusal to remove this incorrect info from their file. They have no right furnishing requesters false information, thats lying to them essentially. Its not right theyre getting away with this.
Consumer complaint received 2020-07-05
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. (AZ)

I have a Chase bank Visa card. Chase bank finally did credit my account after nearly two months in the amount of {$130.00} regarding the dispute with XXXX  XXXX XXXX. 

Since than I have been billed inappropriately by Chase bank. First there was some kind of charge from XXXX XXXX XXXX. I have no idea what or where that has come from. Chase bank has cancelled it, and is in the process of sending me a new Visa credit card. 

Now, Chase bank is incorrectly billing me for {$64.00}. As they have billed the amount TWICE. I spoke over the phone with a gentleman from Chase named XXXX who was in XXXX. He told me to contact XXXX XXXX regarding the double charge for the amount of {$64.00}. I have done that and have emails from XXXX XXXX that admit that there was ONLY ONE PURCHASE in the amount of {$64.00}. From reading their ( XXXX  XXXX ) emails, the first charge should of dropped off. Chase bank is at fault. For charging me TWICE for just ONE PURCHASE. 

Added NOTE : I have a New Chase Visa card coming in the email. I only know the last four numbers are : XXXX Sincerely,
Consumer complaint received 2024-12-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX Wells Fargo added {$5000.00} worth of fraudulent cash advances to my account that were supposedly withdrawn from my closed credit card account back in XXXX. They are demanding immediate payment for the fraudulent cash advances. They refuse to identify who made the cash advances, and refuse to admit that they allowed the fraudulent cash advances to be made without verifying them with me.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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. 

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 XXXX 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 2024-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

An unauthorized transmission of fund was made from account via apple pay totaling {$1200.00}. I did not have my phone or provide any credentials for this transaction. I contacted WellsFargo immediately. Their questioning regarding the event was poor and lacked effort. WellsFargo also made multiple errors, they even submitted the claim twice which I immediately knew would complicate the claim process. Additionally their description of the event was that " I don't remember this transaction '' as opposed to the truthful descriptor of fraudulent unauthorized transaction. I contacted WellsFargo to cancel the duplicated claim. Today XX/XX/year> I contacted them to inquire about the decision for denying my claim. The XXXX was less than qualified to provide me a clear and concise reason. I was given a scripted response that generally stated ; after reviewing all the information and details, they concluded there was no fraud. The contradiction to their explanation is that I was never contacted by a XXXX to obtain any details or even asked for any additional information/documents. I was appalled but the lack of effort and ultimately my claim being dismissed so effortlessly. I was informed there is nothing they can do. I requested the supporting documents pertaining to their investigation, they informed me I will receive them in 1 month, but there is nothing else they can do for me. 

Claim # XXXX
Consumer complaint received 2020-07-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (WA)

I made a simple call to pay my mortage with my debit card ( from XXXX XXXX ) but they will not process it. Only want your checking acct info. In which i do not have. Just debit card ( / master card. but debit ). Moreover took several calls and long hold time to speak to a rep.. 
New company for me. They purchased my loan from chase. Not even 4 month 's into it they raised my payments up to XXXX from XXXX during the cov19 crisis. 

I asked for one month off. No help. Only told go website ( i dont have or want computer ). 
So paying it hard enuff. Now they want me have do all this extra stuff to make a simple payment wanting extra information on bank information they dont have to have. They just want it. One financial Institutuon should be able to take a debit PAYMENT from another bank or credit union. XXXX XXXX  is also mainstream. Debit cards are checking acct cards. So why is it they wont just process payment ez for simple customer. After auditing loan raising the minimum principle payment by XXXX $ a month.
Consumer complaint received 2024-12-11
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (PA)

On XXXX XX/XX/year>, I got an email alert from XXXX. It was an spending alert in the amount of {$3300.00}. 
Since I didn't make this purchase I immediately called the home depot customer service which transferred me to citi card services. They disabled my cards and issued new cards. Also, they created a dispute for the above transaction and transferred it to their fraud/security team. 
On XXXX XX/XX/year>, I got an email from home depot about due bill amount of {$3300.00}. 
So I immediately called home depot credit card services. The customer representative told me that their security team has left a document on XXXX XXXX in my online home depot credit card account. 
The document states that the home depot credit card security team ha
s rejected the fraudulent/unauthorized charged claim. And I am responsible for those charges.

I am requesting you to please looking into this matter and provide help as this transaction was made by someone else in some other state. I did my due diligence of reporting the fraud immediately.
Consumer complaint received 2024-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (GA)

Macys/CBNA put a hard inquiry on my report without my knowledge or consent. I have opted out of all authorization and the company is still illegally reporting on my credit report. 15 USC 6802b PERMISSABLE PURPOSES
Consumer complaint received 2024-12-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NV)

Bank is closing my account on XX/XX/2024 due to business reasons. I asked repeatedly why this is happening and what I did wrong. Id like to know so I can prevent any problems in the future. Wells Fargo did respond but never gave an answer. Just reiterated it was a business decision.
Consumer complaint received 2019-12-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (TX)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2020-07-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Recovery Systems, Ltd (AR)

On XX/XX/2020 a debt collection of XXXX $ was reported on my credit report. I had never heard of the company and did not know of the debt. I was NEVER notified that someone was attempting to collect a debt. I was NEVER told that I even had a debt. I was NEVER notified and thus never given the chance to pay the debt before it went to collection. 
Therefore, when the collection showed up on my credit report I contacted the company with various questions. I explained that I did not have any knowledge of the debt and would like something verifying the debt was actually mine. I was told I would get something in the mail and I never received anything. I have no explanation of this debt and no proof it is actually something I am responsible for. The company lied about sending me information. I then tried to dispute the impact on my credit report and contacted the company. Again the company never sent me verification or anything I was promised in the mail, although they were given the correct address.
Consumer complaint received 2023-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TRANSUNION is obligated by the Privacy Act of 1974 to balance the need to maintain my information with my rights to be protected against unwarranted invasions of my privacy. On XX/XX/XXXX TRANSUNION shared my personal information to include my transactions and experiences to XXXX, XXXX, XXXX, and XXXX XXXX, which are a third-party companies. This reporting is in direct violation of 15 USC 1681a ( 2 ) ( 1 ) and the Privacy Act of 1974. TRANSUNION are liable under the SEC to follow certain rules. TRANSUNION Commission file number XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ( Trustee ) XXXX XXXX XXXX XXXX, XXXX XXXX, South Dakota. In addition to this complaint, I will be filing a form 211 treasury omb form to have my consumer account audited. I am aware that TRANSUNION is securitizing my consumer data, but continues to break the law by sharing my data illegally.
Consumer complaint received 2020-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

Hi i am XXXX XXXX XXXX here.. 
on XX/XX/2020 that my credit crad XXXX XXXX XXXX XXXX was been charged by XXXX XXXX But the problem is i didnt booking any XXXX in XXXX.. 
so i called up hsbc and requested them to investigate ... .but end the end no answer from them ... ... .they already investigated about 2 month plus ... .now everymonth keep on charging me Finance charges..its really unfair to me ... .At the end i have to asked for help from consumer bureau ... .hopefully hear from u soon.thanks
Consumer complaint received 2024-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BARCLAYS BANK DELAWARE (DC)

On XX/XX/year>, I received an email from my credit card issuer, Barclay Bank, informing me that the bank had put a " block '' on my card. They claimed that I was " in violation of the USA Patriot Act. '' ( Despite asserting that they had " tried to reach me many times, this was the first notice I received. ) When I called the issuer, they explained that they wanted me to update my annual income. I told them that I was not applying for a card, requesting a credit limit increase, or seeking any other service or product that would justify such a demand for income information. I also explained that I do not wish to provide my income information, given that such information is frequently sold or otherwise used for marketing or sales purposes. I spoke to both a customer service representative and a manager, both of whom insisted that I had to comply with the income disclosure or I would be unable to use my card. To the extent it matters, I have had this card for many years and have never missed a payment or had any other issues that might prompt a request for income disclosure.
Consumer complaint received 2020-11-14
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. (TX)

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " .. promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you very much!
Consumer complaint received 2023-05-23
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: Experian Information Solutions Inc. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to revalidate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX 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 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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.
Consumer complaint received 2020-07-05
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: Experian Information Solutions Inc. (CO)

I faxed my identification and utility bill and social security card to XXXX on XX/XX/XXXX. I get these alerts from my credit monitoring services please see attached. The fraud department guy I spoke to had updated my address and assured me that it wouldnt change again but I knew it would. He said the mixed files were fixed he saw in the notes. So why am I getting these alerts? I just simply want answers.
Consumer complaint received 2023-05-23
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. (NY)

My name is XXXX 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 personal information. 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.
Consumer complaint received 2020-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

I had a total of 7 checks spent with XXXX XXXX XXXX XXXX in XXXX County Michigan that were returned for insufficient funds. I paid all of this off in full as part of the XXXX XXXX prosecutors bad check diversion program. The checks were issued in XXXX. The payment in full was in XX/XX/XXXX. However, these still show as unpaid on the Equifax credit report and are a delinquent mark that continues to limit my credit score. I have tried to correct this with them but they are unresponsive. I would greatly appreciate it if this was corrected to reflect the actual status.
Consumer complaint received 2022-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX has agreed to remove the late payment and it will reflect on my credit report within 15 days. It was removed immediately the next day from all XXXX credit bureaus after they agreed. But then the late payment reappeared in a few days. This is causing a major dip and confusion on my credit report and goes against terms. Today makes 15 days and the late payment is still on my report.
Consumer complaint received 2022-11-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NY)

XXXX XXXX XXXX XXXX sent a bill for over {$2000.00} with zero explanation, it only says miscellaneous charges. {$88.00} was indicated as the final energy charges. I have requested a full complete itemized receipt of charges including : dates, addresses, energy charges, etc. from 2 collections companies and from XXXX & XXXX themselves, no one will provide this information to me. Over the years I have blindly paid whatever charges XXXX & XXXX arbitrarily alleged that I owed as I needed service and they are the sole energy provider in my area. This time I have chosen to dispute as my bill was not behind nor am I no longer required to utilize their service. The VP from XXXX & XXXX called me last year and promised to provide me with the requested information and I have never heard from them again, until today, when I spoke to XXXX at IC Systems, who also refused to provide me with documentation of debt and refused my request for a manager. I will not be paying this erroneous charge to XXXX & XXXX. I will have this gross error removed from my XXXX, if it means suing XXXX & XXXX is my only option.