davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO. (NJ)

XX/XX/2022 I call chase for balance transfer. I give all the information regarding 3 accounts that I want paid. Representative and I stayed on phone for almost an hour with her and she took all the information. She claimed only the XXXX 's account could be paid digitally and that she had to send paper checks for XXXX XXXX and XXXX XXXX. She stated that it would take up to 21 days to be processed. Now 37 days later my accounts still aren't paid. My credit report has 2 late payment hits, I owe late fees and the actual Manager from Chase XXXX XXXX tells me it's my problem and for whatever reason, those were her exact words, THAT FOR WHATEVER REASON PAYMENTS DIDN'T GO THROUGH IT'S MY PROBLEM AND THAT THEY HAVE NO RECORDS OF ME REQUESTING THOSE PAYMENTS. But they paid 1 just not the other 2. Now she stated earlier in the conversation that they normally send a letter if the payment gets declined but my payment just wasn't processed so they can't do anything for that. So pretty much I put my trust in a large financial corporation like Chase and it's entities but I have zero guarantee as a customer to be protected or cared for because it's my problem. XXXX or something to that extent was her name. She hung up on my face because I was a little frustrated with the conversation as it was going but the best she could do was just hang up on my face. 
Now I have 2 accounts that I have to figure all out again because I can't trust calling back and getting a representative that actually cares, 2 late payment hits to my account, late fees, a credit card that now I regret opening but I can't close because I'll furthermore damage my credit and im super unhappy.
Consumer complaint received 2022-06-01
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. (GA)

I have received a copy of credit report and noticed several accounts and inquires that were reported without my knowledge, Fraudulent applications have been submitted in my name and my identity has been used without my consent to obtain goods and services.
Consumer complaint received 2022-06-01
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: Maximus Federal Services, Inc. (GA)

I have received a copy of credit report and noticed several accounts and inquires that were reported without my knowledge, Fraudulent applications have been submitted in my name and my identity has been used without my consent to obtain goods and services.
Consumer complaint received 2022-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

XX/XX/2022 I purchased XXXX items at a store called I love XXXX XXXX XXXX XXXX XXXX XXXX Florida. The price tagged on the items totaled XXXX $ however my credit card was charged {$310.00}. The store cashier refused to refund my money or give me a receipt. I called the police to the store and I was told this was a civil matter and nothing they could do but they did give me a case XXXX XXXX XXXX XXXX. Per the officer this store preys on tourist and they are called frequently to the site. I disputed the charge with Bank of America who stated since I did not have a receipt they could not reverse the charge. Despite me submitted the police report, written affidavit, and copies of reviews online from numerous customer have been defrauded in the same way. From what I read according to the Consumer Protection Act Bank of America is supposed to protect me from this type of activity and reverse the charge. The store did not submit any information to Bank of America refuting my dispute.
Consumer complaint received 2022-06-01
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. (MD)

I, XXXX XXXX, sent a dispute letter to Transunion on XX/XX/2022. Upon checking my mail yesterday, on XX/XX/2022, I received a notice from Transunion, dated XX/XX/2022 stating that my letters did not appear to come from an authorized party such as a credit clinic, and are REFUSING to start a reinvestigation on the disputed items that are reporting inaccurately on my credit file. I, the CONSUMER, sent in my own dispute letters and it's a consumer violation to refuse to honor my request for reinvestigation. Not to mention, I have been attempting for several months to remove inaccurate account information from my credit file and to no avail, Transunion has continued to report said inaccurate information. These blatant inaccuracies are causing me to be denied for new lines of credit and is otherwise injurious to my credit worthiness. Transunion has failed to conduct a FULL and COMPLETE reinvestigation and continues to do so. I do understand my rights as a consumer, provided to me by the FCRA and intend to pursuit litigation since Transunion is unable to correct their errors outside of court.
Consumer complaint received 2022-08-02
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)

I have a loan with the XXXX XXXX XXXX Balance : {$2900.00} and I always make my payments on time. Upon checking my updated Credit report I realized that there are late payments reporting on my Credit File. I wrote a letter to Experian Credit Bureau requesting for an investigation and update the payment history of this account and yet Experian had done nothing. This account is only reporting as late in Experian and was never late compared to the other bureaus. There is probably an error in their side. The last letter I sent to Experian was XX/XX/2022 and have awaited for their response. I was just disappointed that Experian have never responded to my letters. Experian must validate this account in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this account as unverified information without providing any proof within the period allowed by law. 
XXXX XXXX XXXX Balance : {$2900.00}
Consumer complaint received 2022-06-01
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. (PA)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, the 3 Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX. I believe it was reporting in error.
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a copy of my driver 's license and social security card to Transunion requesting that addresses be removed that were inaccurate and that the only address that should be reporting is the current address that is on the ID. I received an updated consumer reports dated XX/XX/2022 File number : XXXX continuing to report the incorrect addresses there are XXXX addresses that need to be removed. I also sent in another letter to Transunion concerning disputed accounts with another copy of the ID and a bill showing the correct address prior to XX/XX/2022 and they have yet to correct the information. 

During the investigation process Transunion reported was complete provided them with information that allowed Transunion to verify and update accounts that were under dispute by me. In my initial correspondence with Transunion I asked for all current documentation that allowed them to publish the disputed accounts on my consumer report and any information that was received during the re-verification and no information has been sent to me as of yet to explain how the information was originally verified or re-verified. Please have Transunion mail all of the information obtained to my address that is on file with Transunion at this time. 

The employment information is incorrect as well. XXXX is not an employer of mine. Please have this information removed as well. It shows that I am an " admitions emergenc ''. I am a Registered Nurse and have been for decades. This information is a violation of my privacy and shows multiple XXXX violations. I will be sending over an invoice to Transunion for all of the violations once this is complete. 

Thanks in advance CFBP.
Consumer complaint received 2022-06-01
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act XXXX Account starting with # 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 2022-06-01
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting DP OF EDUC account # 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 2022-06-01
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: Experian Information Solutions Inc. (CA)

XX/XX/22 XXXX and Experian Violated my rights. see codes listed below. I have highlighted on each attachment the inaccuracies 15 USC 1681 e ( b ) accuracy of report ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 USC 1681i Procedure in case of disputed accuracy ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2022-09-19
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. (MO)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$58000.00} XXXX  XXXX XXXX Balance : {$400.00} XXXX  XXXX XXXX : {$22000.00} XXXX XXXX  XXXX Balance : {$11000.00}
Consumer complaint received 2024-12-11
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (GA)

I applied for a Wayfair credit card some time in XX/XX/year> but never received a physical credit card in the mail. I called Wayfair customer Service to cancel my account to which they told me to call Citi Bank instead. I called Citi Bank but they were unable to help cancel my account as well. Wayfair told me that they need me to verify my account but can only do it by sending me a verification document via mail/phone call. However, I never received any mail or phone call from them. I call customer service back and they tell me the same thing, " to wait for a verification from mail/phone call ''. I have called back 4 times and they have me on a loop. I tried to ask them which address they are mailing the verification to and the phone number but they are telling me they can not disclose this information to me. I can not verify since I never receive anything, and they can not cancel my account until I am able to verify my account. Customer service does not offer any more help than " wait for a verification '' that never comes. I no longer want Wayfair/Citi Bank credit card under my credit but have no way of cancelling the card.
Consumer complaint received 2022-05-19
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. (NY)

The following account is on my credit report, it is listed under Accounts with Adverse Information the account from the Transunion website says the account should have been deleted in XXXX, 2019. The account still remains, Transunion says the account is positive which is not correct since it was handled by a XXXX XXXX XXXX. Please see attached screen shot. This account should be removed immediately.
Consumer complaint received 2022-06-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: PNC Bank N.A. (AL)

Pnc refuse to give back my money on my checking account due to fraud because my account wiped the balance of XXXX they refused to give me back my original balance they keep giving me the run around telling me i have to go to a local branch i filed serveral reports with no resolved at all i complain multiples times to the customer service fraud department ever sense XX/XX/2021 this been goin on for months on end i also filed a police with the bank a report at the local branch i also filed a police report still no resolved now the bank saying i owe the bank because i have no proof of fraud i did this around XX/XX/XXXX.
Consumer complaint received 2022-08-14
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. (OH)

In accordance with the Fair Credit Reporting act ( FCRA ) ; XXXX has violated my rights. On XX/XX/2021 there was an unauthorized inqui

ry. 1 5 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 an account without my written instructions 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 an account without my written instructions.
Consumer complaint received 2024-11-22
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. (NJ)

I am submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2022-06-01
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. (GA)

PLEASE DELETE THESE ACCOUNTS God Bless ... these accounts ( 1 ) XXXX  Account # XXXX ( 2 ) XXXX XXXX XXXX  Account # XXXX Have been Reinvestigated 4 times an they still are inaccurate. according to the law 15 U.S CODE 1681i ( Procedure in case of disputed accuracy ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer. DO NOT REINVESTIGATE PLEASE DELETE THESE ACCOUNTS ACCORDING TO LAW.
Consumer complaint received 2022-10-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc (FL)

On XX/XX/2022 I was admitted as an indigent patient ( at night ) to the Behavioral unit of XXXX XXXX XXXX in XXXX XXXX XXXX Florida. I was released on the morning of the XXXX. I received a bill for services from XXXX XXXX associates in the amount of {$710.00} which I paid in full online on XX/XX/XXXX. On XX/XX/XXXX, I received a voicemail from a debt collection agency, Medicredit that I owe, for the same service, total of {$2600.00}. I called them on XX/XX/XXXX, for an explanation and they simply told me I owe the debt. I explained that I never received a debt collection letter in the mail and needed to see how this debt originated. I verified my address and they assured me that one would be in the mail. On XX/XX/XXXX, they left me another voicemail about the debt. I called Medicredit on XX/XX/XXXX and explained that I still have not received the debt collection letter in the mail and it's been over XXXX days. Because I believe I had to protect my rights I sent a validation of debt request to Medicredit.
Consumer complaint received 2022-06-01
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXXt ( XXXX ) {$4000.00}, XXXX XXXX ( XXXX ) {$1700.00}, XXXXXXXX XXXX XXXXXXXX ( XXXX ) {$1600.00}, XXXX XXXX XXXX XXXX {$590.00}, The Bureaus ( XXXX ) {$330.00}, XXXX XXXX XXXX {$130.00}, XXXX XXXX, XXXX XXXX ( XXXX ) {$140.00}, XXXX XXXX, XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ) {$360.00}, 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 an account without my written instructions.
Consumer complaint received 2022-06-01
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: Experian Information Solutions Inc. (AK)

After reviewing my credit report, My credit report still contains items that supposed to not be there the federal laws states that if I sent you dispute to correct my file and you must comply.
Consumer complaint received 2022-06-01
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. (AK)

After reviewing my credit report, My credit report still contains items that supposed to not be there the federal laws states that if I sent you dispute to correct my file and you must comply.
Consumer complaint received 2022-06-01
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. (WI)

In accordance with the Fair Credit reporting Act XXXX Account # 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 604A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX : XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$760.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$870.00} XXXX : XXXX XXXX Balance : {$1000.00} XXXX  XXXX Balance XXXX {$1000.00} XXXX XXXX Balance : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$760.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$870.00} TransUnion : XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$760.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$870.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft , not later than 4 business days after the date of receipt