davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-06
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. (AZ)

I've complained about being a victim of identity theft. You must remove any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 Balance : {$11000.00}
Consumer complaint received 2017-04-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I sent a 609 letter to TransUnion asking that reach out to who is reporting this information and provide me proof of verification that this account belongs to me which. All they responded with was account verified and I know by law they have to send me something in writing that proves it is me. So they updated my report with false information.
Consumer complaint received 2020-09-08
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. (NY)

On XX/XX/XXXX, I complained to Chase Visa about 2 charges on my card. The merchant canceled the services but did not refund the full amount, giving me partial credit. ( See attachment 1 my original complaint ). Chase Visa agreed in writing that the original charges were in dollars, therefore the refund should have been in dollars. The original charges were for {$3400.00} and {$5100.00} respectively and the disputed amounts ( shortfalls ) were {$290.00} and {$290.00} respectively. In respect of the first  claim, Chase Visa wrote to me on XX/XX/XXXX ( Attachment 2 ) stating rather bizarrely that the merchant had agreed to refund the full amount of {$3400.00} and I should see that refund on my card. I presume they meant the disputed amount of {$290.00} - and that has yet to appear. In respect of the second claim, it has been completely ignored by Chase Visa. The Fair Credit Billing Act Section 1666 ( a ) ( 3 ) ( B ) ( also attached ) requires Chase within 2 billing cycles, or at the latest with 90 days, to either 1. make corrections to my account or 2. after conducting thorough investigation, send me a written explanation of why Chase Visa believes the amounts were correct. In the case of services not delivered, Chase VISA can not construe the amount to be correctly shown unless the services were actually delivered. Chase Visa did neither of these things. Quite simply, Chase Visa broke the law.
Consumer complaint received 2024-01-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (MD)

On XX/XX/, Chime Bank indicated to me without warning that my account was being closed. I have had several interactions with Chime, either blocking my card without notice or denying transactions for various reasons after completing and verifying the transaction. They have made the decision to close my account. 

The account will be closed on XX/XX/. The bank also states that I need to submit the origin of funds and identification. Chime received the driver 's license on XX/XX/. They also received the secondary form of identification on XX/XX/. The representative states that she can not see the balance in the account. 

XX/XX/, is when the account was closed, as stated by the representative, XXXX. {$770.00} is the balance in the account, and I am expecting this amount to be returned to me. I want this amount of money to be returned to me and this account to be closed. I do not want anything else from this bank, and I will never do business with them again.
Consumer complaint received 2024-01-09
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: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NY)

During mid XX/XX/2023. I received my annual credit report and came across a debt of a closed account showing as not XXXX account but XXXX lines of XXXX XXXX XXXX  I was immediately in shock. I then called the creditor and they stated someone used my identification to open this account. I then disputed with ALL THREE BUREAUS in XX/XX/2023. Results came back as still allegedly my debt. I then called MIDLAND CREDIT ACCOUNT who XXXX  XXXX back sold the debt to. When I went to my bureaus in late XX/XX/2023 and requested that they provide a validation of debt to me, they said they can not and that all letters go out electronically. However, I went to check my report on XXXX in XX/XX/2023, the debt was deleted. I then checked back every month there after as I usually do and my credit was ok. How we as of this month XX/XX/2023, the MIDLAND CREDIT BUREAU resurfaced back on my XXXX report. I have or ever had any knowledge of this debt then or now. According to the 15 U.S. Code 1692e they are in violation. My life is at a stand still because of this false information.
Consumer complaint received 2024-03-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am writing to dispute the balance and payment record on the XXXX to XXXX statements with Capital One -- account ending in XXXX. 

Capital One Financial Corporation received XXXX payments, in advance of the due date, for XX/XX/2024. 

Both payments were made according to the company 's payment instructions, including the instructions on the back of the statement. 

One payment was made through their online portal ( as usual ) and one payment was made by mail to the address as directed on their documentation on the rear of the statement. 

As I have stated, the company received both payments and returned neither to me or, to the return address on the mailing that I sent, nor to my bank account. 

In addition to disregarding the payment I sent by mail, the company disregarded the payment I applied through their portal, as I have done throughout the life of this account. 

Capital One Financial Corporttion took the payments and closed the account stating that " activity on this, or another account is not consistent with our expectations for account usage and violates the Capital One customer agreement. '' My expectation as a customer of any company worth doing business with is that the communication around perceived violations of the contract be explicit and that payments made to the company be returned if for some reason they do in fact, not align with instructions as directed in the customer agreement. 

There are no such clearly defined parameters detailing expectations for account usage as applies to this accounts situation as the payments are the only activity in recent months.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS) (MA)

Since this is my second request, I will also XXXX provided the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX  ) to seek their assistance in resolving this issue. Please find below my reasons for dispute : XXXXXXXX XXXX XXXX XXXX  and the following inquirires XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-24
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

to the three credit bureaus, XXXX, XXXX, and Equifax you can find the tracking numbers listed on the documents I submitted. However, it's been more than 30 days and the credit bureaus have failed to provide me my investigation back. This is not making any sense to me, and this is hindering me for improper use of my credit scores in report. 

According to the law 15 U.S. Code 1681i- Procedure In case of disputed accuracy. If the completeness or accuracy of any item or information contained in a consumers file at a consumer reporting agency, is disputed by the consumer and the consumer notifies the agency, directly or indirectly through a reseller of such dispute the agency shall, free of charge conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete the item from the file in accordance with paragraph five before the end of the 30 day period beginning on the date on which the agency receives the notice of dispute from the consumer or reseller.
Consumer complaint received 2023-05-04
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. (NC)

An item of public record has previously been contested on numerous occasions. The courthouse where the credit bureaus claim to have confirmed the account was contacted, and I was told that they had not provided the information requested. The credit bureaus were informed of the information I had obtained from the court, and it is still listed on my report without regard to how it would influence my ability to use credit.
Consumer complaint received 2021-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (HI)

Venmo won't give me my money back. I need a refund for these items On the XX/XX/21 {$3.00} {$5.00} {$29.00} {$2.00} {$34.00} {$4.00} XX/XX/21 {$8.00} {$2.00} {$55.00} {$2.00} {$12.00} {$80.00} XX/XX/21 {$78.00} XX/XX/21 {$78.00} XX/XX/21 {$90.00} XX/XX/21 {$100.00} XX/XX/21 {$200.00} XX/XX/21 {$100.00} XX/XX/21 {$9.00} XX/XX/21 {$73.00} {$54.00} XXXX XXXX account XX/XX/21 {$100.00} XX/XX/21 {$83.00} I want the all the refund sent to me in a check sent to my address.been asking for it they been putting it off. I want the refund I am asking for asap
Consumer complaint received 2023-05-03
Product: Credit card or prepaid 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: BARCLAYS BANK DELAWARE (NV)

XX/XX/XXXX, I was called by Banana Republic  to inquire about a potentially fraudulent charge on my account. Approx {$230.00} in fraudulent charges were committed. I confirmed the charges to be fraudulent and the card was cancelled and a new card was issued approx XX/XX/XXXX. XX/XX/XXXX, I was notified by my credit monitoring service that I had exceeded the limit on my Banana Republic card and that my credit score plunged XXXX points. Upon investigation, I found that over {$1900.00} in fraudulent charges were charged from XXXX XXXX XXXX. The fraud department never contacted me about these fraudulent charges. Barclaycard ( the parent company for Banana Republic ) eventually confirmed the charges to be fraudulent and, at my request, closed the account. In XXXX, I got a bill for over {$900.00} in fraudulent charges on my account ( which was supposed to have been closed ). Again, when I contacted Barclaycard, they eventually found the charges to be fraudulent and closed the account ( again ). In XXXX of XXXX, Barclaycard issued a refund check to me in the amount of {$150.00}. I informed them that I would not cash that check because that was not money that was owed to me. I again reiterated that I just wanted to make sure my account was closed and that I no longer had any account with Barclaycard. XXXX XXXX  XXXX, I received a statement from Banana Republic stating that I owed {$150.00} on my card. I called the company to inform them I did not owe them, had never cashed the check, and I just wanted my account closed. Now I have been charged a late fee for the {$150.00}. Barclaycard has been so frustrating to work with. At no point have they taken steps to protect my credit, nor have they treated my account with the respect it deserves. I have been a customer for over 20 years, but will never shop in Banana Republic again nor will I ever have another Barclay Card. Please help me resolve this situation, as they clearly dont care to close my account or resolve this issue.
Consumer complaint received 2023-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (NY)

I am writing today in regards to my account with SYNCB/Paypal Account XXXX XXXX It seems that in XX/XX/2023 a late pay is reporting on my credit report. I have tried to maintain good credit I somehow missed this payment but as soon as I was made aware of this I quickly got the account caught up.
Consumer complaint received 2023-03-16
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: DISCOVER BANK (TX)

On XX/XX/XXXX, I initiated a return with XXXX for an article of clothing. The item was delivered according to the tracking information. I talked to XXXX over 10 times and they did not give me my refund. I then initiated a dispute with Discover. It has been over 3 months since and they are uncooperative and extremely slow. I talked to many of their agents and none of them were able to help me. In fact they were rude, did not listen to what I had to say, and could not provide me solutions and give me confidence in their service. I just want my money back.
Consumer complaint received 2023-03-16
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. (NY)

Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will XXXX XXXX XXXX XXXX and autograph as the agent, attorney in fact, so be it ; 1. It is a Fact that afant is the only natural person with rsthand competent knowledge of the facts of this transaction. 2. It is a Fact that afant is a consumer as dened in the Fair Debt Collection Practices Act specically, Title 15 USC 1692a ( 3 ) because afant is a natural person. I am writing in regards to the XXXX data breach & the subsequent compromise of my personal information. Pursuant to Title 15 USC 1681 ( a ) ( 4 ) your company failed to ensure that the information on my consumer report was accurate failed to exercise their responsibility with fairness & impartiality. Upon reviewing my report, I discovered fraudulent account opened using my personal information which is a result of the data breach any legal means, including power of attorney fraud. I demand immediate action to secure my information & prevent further identity theft in accordance with the FDCPA is protection of my privacy I demand that all fraudulent information be removed from my report within four business days, per FCRA section 605B & title 15 USC 1681 C2. I do not give consent for any information to be furnished without my authorization per title 15 USC 1681 604 ( A ) ( 2 ). I expect any violations on my consumer rights to be a dress with fairness and impartiality. With all these violations listed and fraud found I may start the administrative process. However, I will give your company the ability to settle out of court or you will be held liable for all damages. Conduct yourselves accordingly. XXXX
Consumer complaint received 2023-03-16
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. (NC)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$550.00} ; XXXX XXXX XX/XX/ XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-16
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. (DC)

The account was opened on XX/XX/XXXX, On XX/XX/XXXX I mailed letters of violation of code 15 USC 1681a ( e ) notifying them of my wrights.
Consumer complaint received 2018-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OH)

I issued a certified letter to Equifax on XX/XX/2018 in regards to a bankruptcy incorrectly reporting, Under the Fair Credit Reporting Act, a credit reporting agency has to review and respond to every dispute it receives within 30 days. I have yet to have a response in regards to this dispute
Consumer complaint received 2023-02-17
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)

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt {$400.00} 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 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 2023-02-15
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC. (NJ)

I was a cosigner on an account with Ally Financial account # XXXX. This account was paid every month on time. When the lease was up the borrower returned the vehicle to XXXX XXXX on XX/XX/2021 ( see attached ). For some reason I am showing a balance owed on this account and that the account is currently in charge off status. I have tried to resolve this matter. I am not getting anywhere I hope you can help.
Consumer complaint received 2021-01-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (PA)

I XXXX XXXX XXXX opened a bank account to begin receiving social security in XXXX XXXX at Wells Fargo XXXX XXXX XXXX, XXXX XXXX, CA. I used the very first deposit to move to the XXXX XXXX to look for housing. I spent quite some time in XXXX homeless and used the branch on XXXX and XXXX XXXX, ( across the street from the library ) My payment was there on east coast time. However, when I got housing and moved to XXXX PA, My money would bounce to California first and I could not use the funds until noon or later on some paydays. The Wells Fargo has been using two different account numbers for my money. I am poor and only opened one account. The XXXX stimulus check hit a different account number than I have in PA, but I could use the funds late. But now, Wells Fargo notified me of closing my account several months ago, because I disagreed with them, I changed my direct deposit to XXXX XXXX. Now social security has been paying me through XXXX XXXX. But Get My Payment from the IRS shows that the second stimulus check of {$600.00}. went to the same account of Wells Fargo as the first one. An account number that is not the account number I had in PA. I have no bank statements from this account number ending in XXXX. Also I do not know of any monies in that account or activity of that account. My phone no. is XXXX. 
I would appreciate all attention given to this matter. Wells Fargo is often in the news for fraudulent accounts and activities. My back pay from Social Security according to the Administrative Law Judge may have been compromised or stolen.