davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

After reviewing my credit report I must inform you that I am NOT responsible for these fraudulent accounts and inquiries. Someone stole my identity and opened up fraudulent accounts in my name.

15 U.S. Code and 1681c-2 a consumer reporting agency shall block the reporting of 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. It has been 30 days and you violate this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts and inquiries listed IMMEDIATELY!
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally dispute inaccurate information on my credit report that I reported to TransUnion on XX/XX/XXXX. Despite my initial contact, TransUnion has not responded to date. I am seeking resolution in accordance with the Fair Credit Reporting Act ( FCRA ). 
The erroneous information is as follows : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$260.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account does not belong to me. Kindly remove it from my credit report. 

XXXX Date Opened : XX/XX/XXXX Balance : {$370.00} Original Creditor : XXXX XXXX XXXX XXXX This account is not mine. I request its removal from my credit report.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX repeatedly ignored requests to remove the inaccurate remark for my account in Descriptor # 1 that states " Consumer disputes after resolution ''. I am not have not disputed anything after investigation and have requested that the remark be removed but no one responds. The credit bureaus removed it only for the mortgage company to repeatedly report it each month even though this is false information. It should be removed immediately.
Consumer complaint received 2023-12-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC (TX)

This has been an ongoing struggle with Flagship Credit Acceptance for a long time to get this straightened out and interest etc has been piling up while attempting to resolve several issues that I am having and have had with this company. I have made several attempts to talk with an accounts manager but have been given the run around ever single time!!!! I ask them to review recordings of past conversations but they somehow are not to be found or no record of the conversation. This company refuses to correct their mistakes and I bear the punishment via interest, fees, etc.
Consumer complaint received 2024-01-04
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (LA)

I have two AMEX gift cards for {$100.00} each, and can't use them anywhere. I have tried in store, gas stations, and online, and looked at their website for help. They are supposed to be active and ready to use. I followed all the suggestions, and found a list of retailers on their website that they say work online, and tried several of them as well, and still can't spend my money. I even tried small purchases of {$25.00} to see if that would help but no luck. I just want my money back. The number listed on their card just goes to an automated system, and is unhelpful. This feels like a scam. 
**The form is only letting me list one card number, so I will have to give the other later**
Consumer complaint received 2024-01-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (CA)

The Mohela website says that processing of PSLF counts may take up to 30 days. I submitted this year 's form from my employer digitally, marked as received on XX/XX/XXXXXXXX I called customer service at 30 days and 60 days, last call on XX/XX/XXXX. Still no update no estimate of when this will be processed. I was just told to keep waiting.
Consumer complaint received 2023-12-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC (PA)

Upon acquiring my residence on XXXX  Guaranteed Rate served as our mortgage broker, providing a 30-year fixed-rate mortgage at 2.75 %, amounting to {$2100.00}. Subsequently, on XXXX our loan transitioned to Carrington, adjusting my payments to {$2400.00}, comprising Principal & Interest ( {$1600.00} ), Escrow Payment ( {$600.00} ), and a concerning Shortage Payment ( {$170.00} ). 

The unexpected increase of {$280.00} to my mortgage, prompts suspicion. In XX/XX/XXXX, notification of a XXXX XXXX surplus refund arrived, altering the mortgage breakdown to Principal & Interest ( {$1600.00} ) and Escrow Payment ( {$390.00} ), totaling {$2000.00}. This structure persisted until our XXXX XXXX XXXX  statement, which billed {$2400.00}. 

Despite possessing a ten-year tax abatement, efforts to rectify discrepancies have proven futile. Visits to the tax office yielded no filing errors. I seek expeditious resolution and clarity amidst a poor experience of being transferred and encountering evasive responses. If needed I can provide all the escrow analysis statements.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-11
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. (NY)

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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-11
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)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-12-11
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: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.
Consumer complaint received 2023-12-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

In 2018 I left the States and moved ( temporarily ) to XXXX. Been here eversince! The day before I left, to be prcised, on XX/XX/2018 I showed up at my local Chase Bank branch in XXXX Georgia and wanted to withdraw my money. I had {$1100.00} in my business account. I was told that due to a client 's check I deposited 2 days prior, which looked peculiar to them, they cant issue me any of my funds. That did not make any sense to me but I did not have a choice but to accept their decision. These funds WERE NOT in any shape or form part of or related to the check in question that was deposited 2 days ago. These {$1100.00} was leftover money that was deposited cash in my account, weeks before. 
Time passed by and I forgot about it, but recently I came across my bank statements from Chase ( saved on an external hard drive ) and realized I never collected my own funds from Chase Bank. I just called them an hour ago, at XXXX and talked to a " XXXX '' who after keeping me on hold for 5 minutes, came back and told me a check was issued to me in that amount. " Even if it was, it would have been in my business account name ( XXXX XXXX XXXX XXXX ) and nobody would have been able to cash it '' - that's what I replied back to her! 
About that time I told her the conversation is being recorded and then asked her if the check was cashed and if it was cashed, by whom? When she heard I'm recording to phone conversation, she hung up on me. 

I'm appealing to your authority to help me get back my money. 
Please help me, XXXX XXXX. 

P.S. Do not attempt to call me at the number I entered in the registration form ( XXXX ), It is an old number and I could not register unless on your website unless I gave a number. You can contact me via email ( XXXX ) or if you wan na call me, let me know and I'll provide a number for you. 

Thanks again, XXXX XXXX.
Consumer complaint received 2024-01-03
Product: Credit 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. (TX)

On XX/XX/2023, XXXX of my credit cards were stolen from my locker at my local gym. My southwest rapid rewards card was fraudulently charged {$520.00} at XXXX XXXX XXXX and {$370.00} at The XXXX XXXX. I immediately reported it as fraud to Chase when I got the texts asking if they were fraudulent and they had canceled the transactions. Now today, I receive an email from Chase saying I am now responsible for the transactions because I received benefit from this transaction which is complete BS. I have another card that was stolen and used at a XXXX XXXX that same day and I got those funds refunded and canceled and I have no idea why Chase is deciding to be completely terrible about this situation. I should not be responsible for the $ XXXX fraudulently charged to my card.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

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. 

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 2023-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MA)

My accounts were abruptly locked while I was in XXXX, despite being assured that I did not need to report that I was traveling outside the United States, effectively stranding me on another continent. USAA refused to accept any proof of my identity, and every time I would give them what they were asking for, they moved the goalposts and refused to accept exactly what they told me they needed. 4 days later, they are continuing to give me the runaround and refusing to resolve it in a timely manner. They are refusing to give me any information. At this point I have already submitted my passport as proof of identity, and they will not fix the issue. I have zero access to my money until they do.
Consumer complaint received 2024-01-02
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NJ)

I have raised the request to CFPB earlier against the compliant # XXXX. I have submitted a dispute to XXXX  and they have never responded me. XXXX system has an issue. I have ordered the phone and returned within a week. They refunded me the devices and in the system, start charging me the line rent. I received three bills and I kept visiting the service centers to close the lines. As per Service Centers, lines are closed and I dont owe any money because I have never used XXXX lines, it was system 's behavior and they will fix it however, I am getting queries from the debt collection after every XXXX  months. I have recently reached by another debt collector " I.C.Systems Inc '' Phone XXXX and asking for the money. Please help to resolve this issue. Thank you.
Consumer complaint received 2024-01-04
Product: Credit card — Store credit 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. (NC)

XXXX XXXX purchased gas with XXXX credit card in the amount of {$60.00}. We ended up being double charged, same amount, same day. Logged on site XXXX  XXXX each time unsuccessful in any physical contact-all auto answers. Called phone number on card XXXX XXXX, followed prompts and each time hit a dead end and unable to reach live person. Pulled up on line and found different number, after XXXX minutes actually talked with a live person and was told needed to go to the gas XXXXthey would have to correct. I tried to argue that made no sense but got no where. 
Returned to statin and of course there was nothing they could do, t they were very nice and called the credit card number they had. We went thru at least three people and were finally told to fax the disputed charge to them in spite of the fact that they were the ones who sent the statement!

With the help of the station manager we faxed to disputed charge to them on XXXX. 
We received confirmation of receipt on XX/XX/20. nothing since
Consumer complaint received 2023-12-11
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. (CA)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e 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. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

PLEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES TRANSUNION UNAUTHORIZED FRAUDULENT INQUIRIES : XXXX XXXX XXXX XX/XX/2023 XXXX UNAUTHORIZED FRAUDULENT INQUIRIES : XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX UNAUTHORIZED FRAUDULENT INQUIRIES : XXXXXXXX XXXX XXXX XXXXXX/XX/2023
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so.
Consumer complaint received 2023-12-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (AZ)

I have two creditors saying I have student loans with them. One is XXXX who said they sold to XXXX XXXX Both are collecting on my credit reports and bringing m y score down with payments that are not due and accounts that are no longer theirs. One company needs removed my debt is double and it had been disputed multiple times. This is what it looks like on all three credit reporting companies XXXX XXXX XXXX XXXX loans Total balance : {$86000.00} DEPT OF ED/XXXX LATE PAYMENT Balance {$740.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX LATE PAYMENT Balance {$5800.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX LATE PAYMENT Balance {$11000.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX LATE PAYMENT Balance {$500.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX LATE PAYMENT Balance {$5800.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX LATE PAYMENT Balance {$3100.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX LATE PAYMENT Balance {$6000.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX LATE PAYMENT Balance {$2800.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX Balance {$5700.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX Balance {$3700.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX Balance {$3900.00} Balance updated XX/XX/2023 XXXX LATE PAYMENT Balance {$4000.00} Balance updated XX/XX/2023 XXXX LATE PAYMENT Balance {$11000.00} Balance updated XX/XX/XXXX XXXX XXXX LATE PAYMENT Balance {$2700.00} Balance updated XX/XX/XXXX XXXX XXXX LATE PAYMENT Balance {$7400.00} Balance updated XX/XX/XXXX XXXX XXXX LATE PAYMENT Balance {$6300.00} Balance updated XX/XX/XXXX XXXX XXXX LATE PAYMENT Balance {$3800.00} Balance updated XX/XX/XXXX XXXX XXXX