davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (PA)

I joined Amazon XXXX in XXXX and then acquired an Amazon XXXX Visa card because of the advertised reward program that gives one 5 % on purchases from XXXX XXXX and Amazon.com. When I noticed that I was not receiving the 5 % benefit at XXXX XXXX and Amazon.com I called Chase Visa in early XXXX. I was informed that because I did not use the Visa card to pay for the Amazon XXXX membership, I was not eligible for said benefit. The representative assured me that when I renew the next time I would definitely start receiving the benefits that I had expected from the beginning. On XX/XX/XXXX I made sure that my Amazon membership was paid by the Chase Amazon Visa credit card. After noticing that I was still not receiving benefits in early XXXX, I asked about the missing benefit and the representative could not give me an answer as to why these benefits were not applied to my account. I finally waited on the phone for some kind of supervisor on XX/XX/XXXX. She assured me, once again, that my card was eligible for the 5 % benefit at XXXX XXXX and at Amazon.com, as was promised since XXXX, and that we were going to see an adjustment in my account within 7 to 10 business days. The following day we received a letter simply stating that they can't do so with my credit card as requested. I never asked to switch anything and every step of the way, I was repeatedly told that my card was eligible for these benefits. No one ever said anything about opening a different account or card. The letter had no explanation whatsoever. We never had a lapse in service or did we ever pause our membership.
Consumer complaint received 2023-02-03
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX
Consumer complaint received 2023-02-03
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)

XXXX XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX ( XXXX ) XXXX XX/XX/2023 Dear XXXX, I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX XXXX XXXX : {$420.00} Account # XXXX Party Owed : XXXX XXXX XXXX  : {$2600.00} Account # XXXX Party Owed : XXXX XXXX XXXX XXXX : {$500.00} Account # XXXX Party Owed : XXXX XXXX XXXX XXXX : {$360.00} Account # XXXX Party Owed : XXXX XXXX Amount : {$240.00} Account # XXXX Party Owed : XXXX XXXX XXXX Amount : {$500.00} Account # XXXX I am disputing this claim due to : I Have No Knowledge Of This Account. It Is Fraudulent And I Am Requesting That It Be Removed Immediately. 
This is my official request to have the aforementioned item to be deleted off my credit report.

Enclosed may be additional evidence to support my claim.
Consumer complaint received 2024-11-19
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION (FL)

Complaint Regarding Secured Credit Card Account and Withheld Refund of $ XXXX Regions Bank XXXX XXXXXXXX XXXX XXXXL Account Closure Request ( XX/XX/year> ) : Regions Bank XXXX XXXX XXXX XXXX I contacted the bank to request the closure of my secured credit card account, which I had maintained for nearly 5 years with timely payments and excellent credit history. 
I specifically requested the release of my {$5000.00} security deposit at the time of closure. 
I was informed that the account would be closed and that I would receive a check for the {$5000.00} within 60 days. 

Partial Refund ( XX/XX/year> ) : On XX/XX/XXXX, I received a check for {$3.00}, which was labeled as an overpayment refund. However, I did not receive the {$5000.00} deposit. 

Follow-Up Call ( XX/XX/year> ) : I called to inquire about the status of my {$5000.00} refund. 
The agent informed me that the initial account closure request from XX/XX/XXXX was denied due to an error by the previous agent, leaving the account open. 
The agent stated that a new closure request would need to be submitted and another refund check requested. 

Frustration and Lack of Resolution : After multiple communications, I remain frustrated and confused as to why the account was not closed and why my {$5000.00} has not been refunded. 
When I requested escalation, a supervisor informed me that I would need to visit a bank branch to resolve the issue. 
I have already visited a branch three times, and each time I was instructed to call the credit card customer service number, leading to a cycle of unhelpful referrals. 

Concerns : The bank is effectively withholding {$5000.00} of my money despite my repeated and clear requests for account closure and refund. 
I feel that my rights as a customer have been violated due to the lack of transparency, accountability, and resolution.
Consumer complaint received 2022-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (PA)

I have 2 Chase credit cards. One of them ( Amazon card ) is being paid automatically from outside checking account ending in XXXX but I will close that checking account. My other Chase credit card is being automatically paid from outside checking account ending in XXXX which is good. I want my Amazon Chase credit card to be automatically paid from my XXXX account like my other Chase card. But when I tried to set up autopay through Chase website, it asked me to log in to my outside bank account which I will NOT do. I messaged through Chase website on XX/XX/22 and asked them to set it up, and XXXX answered on XX/XX/22 " We need to speak with you directly to resolve this issue. Please call us at XXXX XXXX XXXX XXXX. '' So I called that number and, after a time on hold, spoke with XXXX. She refused to help me and instead transferred me to XXXX from tech support who could not help me. Since Chase already has my outside checking account that is paying my other Chase credit card, Chase knows that that is a legitimate account in my name.
Consumer complaint received 2022-08-05
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. (SC)

This complaint is in reference to a previous complaint of inaccuracies on my credit file with XXXX XXXX # XXXX After receiving my Tri merged credit report, I have noticed that there are still extensive inaccuracies still not corrected on my credit file. egregious and erroneous errors on my consumer have led to me being denied being able to access credit. I now know it is my right to have inaccuracies corrected. account type detail, date opened, balance, term, past due amount, payment status, last reported, last active and last payment. All of these are vastly inaccurate, and this is after XXXX XXXX/ XXXX XXXX/ XXXX experian complaint and these still appear on my consumer report.
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2024-10-29
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. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
I have been XXXX XXXX  for the last XXXX years, someone stole my XXXX card. Remove every item, from my three-credit report, at this moment, its pretty hectic just now. Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Carvana Group, LLC (VA)

On XX/XX/2024, I attempted to purchased a vehicle from Carvana. On XX/XX/2024, BEFORE finalizing my application/approval, Carvana withdrew the deposit, which was {$2300.00}, from my bank account. It took 1.5 business days for Carvana to withdraw money from my bank account but it will take Carvana 7-10 business days to return it. Why are they allowed to briefly steal money from consumers BEFORE finalizing approval? Now I can't get a vehicle until Carvana returns my money. That is extremely unacceptable!
Consumer complaint received 2022-08-05
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: EQUIFAX, INC. (SC)

This complaint is in reference to a previous complaint of inaccuracies on my credit file with XXXX XXXX  # XXXX After receiving my XXXX XXXX credit report, I have noticed that there are still extensive inaccuracies still not corrected on my credit file. egregious and erroneous errors on my consumer have led to me being denied being able to access credit. I now know it is my right to have inaccuracies corrected. account type detail, date opened, balance, term, past due amount, payment status, last reported, last active and last payment. All of these are vastly inaccurate, and this is after XXXX XXXX/ XXXX equifax/ XXXX XXXX  complaint and these still appear on my consumer report.
Consumer complaint received 2022-08-05
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I feel like I'm being taken advantage of being ignored of my disputes. It is clearly stated on XXXX that failure to examine an item within 30 days is cause to instantly remove it off my credit report. Since it has been over 60 days, these entries should be deleted immediately.
Consumer complaint received 2023-02-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (TX)

Shellpoint likes to invoke the term that we received similar correspondence as buzz words and Shellpoint knows that CFBP will close the case if they say anything convoluted. XXXX Shellpoint HAS NOT addressed why my XXXX states {$65000.00} at the end of XXXX but the Mortgage Statement at the end of 2XXXX states I owe the outstanding principal is XXXX. My XXXX and Mortgage statement have to be the same at the end of XXXX 

I paid {$10000.00} in interest in XXXX. Shellpoint point maybe able to defer it on their taxes but Shellpoint can not charge it to me and not provide it on the XXXX. Income tax evasion and a scheme to defraud me.
Consumer complaint received 2024-10-29
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)

Subject : Dispute of Verification Results and Request for Full Validation Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Dear CFPB Representative, I am writing to dispute the recent verification results regarding an account with XXXX. Despite my request for validation under the Fair Credit Reporting Act ( FCRA ), the

verification provided lacked the necessary documentation to confirm this account belongs to me. Since I am a XXXX, I demand physical evidence linking me to this account to prevent potential errors. Below are the details of the account in question : Account Information : XXXX Account Number : XXXX ( TransUnion, XXXX ) Credit Bureaus : TransUnion, XXXX XXXX XXXX Account Status : Collection/Charge-off Date Opened : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ) Balance : {$240.00} Credit Limit : {$1100.00} Payment Status : Collection/Charge-off Last Reported : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ) Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the credit grantor Requested Validation : A copy of the original agreement or contract bearing my signature.

Documentation verifying my involvement with this account beyond the basic details listed in the report.

If the creditor can not provide these documents, I request that this account be removed from my credit report immediately.

Personal Information : Name : XXXX XXXX XXXX XXXX. 
Date of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, GA XXXX Please provide a prompt response with the requested information or confirm that this account will be removed from my report. Thank you for your attention to this matter.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-05
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. (MI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-08-05
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 didnt give them permission to share my personal information nor did I authorize them to have my information on display. They have had several security breaches as to where my information was taken and still havent compensated me for and I have yet to receive the {$8000.00} I requested from them. All the old information and incorrect information for me would need to be taken from there data systems immediately. They keep taking stuff off and putting it back on and has violated my rights
Consumer complaint received 2022-08-05
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2024-11-01
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. (MD)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2024-11-01
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. (FL)

To whom this may concern After reviewing my consumer reports, I discover some inaccurate reporting of late payments on an account for which Ive always maintained on time payments. Consumer reporting agencies play a huge role in accurately reporting consumer information. it is imperative that this information be reported with upmost accuracy. Ive never missed a payment on my XXXXXXXX XXXX account ending in # XXXX. I requested through investigation into these descriptions and urge you to provide evidence such a statements demonstrating the lateness of these payments. if unable to furnish such proof, I demand these payment be properly updated as on time payment to reflect its true status is on time. I have consistently upheld my payment, obligations without delay. 

From late payments ( different months ) to wrong information reporting.