davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY (MI)

I asked Wells Fargo for the balance of my debt in XXXX. They have not provided such. I asked Wells Fargo to provide documentation that my previous loan holder, XXXX XXXX turned my account over to them. They have not provided such. They also gave me a false interest statement for my taxes. I pay {$160.00} per month, so my interest should be more than {$190.00}. I make payments every month. They are being malicious. They ask where I work, even though I pay every month.
Consumer complaint received 2023-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Neon Newco Corporation (CA)

I filed a dispute with my bank on XX/XX/2023 for a purchase made on XX/XX/2023 for {$32.00}. I told them the merchant ( XXXX ) never refunded me because I was not happy with their product. The merchant claimed they refunded me but never did and I have emails with prove that I sent to my bank. My conclusion was to do a chargeback with my bank since I never got my refund from the merchant. I received the final determination from my bank XX/XX/2023 and they claimed the merchant refunded me {$25.00}. Upon checking that refund was for another transaction I did with the same merchant. I wanted to do this complaint about my bank because they are not investigating correctly.
Consumer complaint received 2023-06-28
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. (TX)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX : {$0.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXX Balance : {$6000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5500.00} XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Synovus Bank (PA)

2021 I applied for a credit card through XXXX XXXX. A company called First Progress. I sent a {$500.00} deposit. After sometime they requested the same information I had already sent again. I sent it again. Nothing still. Then a second time they requested the same information, again. I contacted a consumer agent with channel XXXX news. Which they never responded to. They dont have clear instructions on how to contact them. There is also no way to contact XXXX XXXX. Time continues to progress and I still dont have a card or the money. I would like to use XXXX XXXX to build my credit, by applying for another card, but I cant do it under these circumstances. I have all correspondence between the company and myself. Including a copy of deposit statement.
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (VA)

My identity was stolen by this company. They are attempting to collect a debt and I have no legal written or binding contract with this company. 

Consumer law code 15 USC 1681 ( Q ) and 15 USC 1681 ( A ) ( 2 ) If any person uses my information without permission that is identity theft. There must be permissible purpose. I did not give permission to report this or any account on my consumer credit report, therefore, this is identity theft as XXXX XXXX XXXX used my information and publicized it.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I legally changed my name from XXXX XXXX to XXXX XXXX and i am unable to update this information with XXXX and experian both accounts have locked me out or given me error messages when attempting to login to my account. I can only access XXXX XXXX but i am unable to update anything as the XXXX  site says to go to the XXXX  site. i am literally just trying to update my name and login to my accounts. I have all the proper documentation and court orders for my updated name and information. I need to know where to send it. XXXX had me file a dispute form and upload the documents but i am unable to do that for the other 2 companies. But i also have not been able to file any disputes with the other 2 companies as my accounts always give error messages. It honestly seems intentional like a way to prevent people from filing disputes. its making my life really difficul because of this error that is showing up with my name change in the SSA and Federal tax systems. Please let me know how to move forward. thank you.
Consumer complaint received 2023-06-28
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. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus but no answer was received. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

XXXX XXXX XXXX XXXX XXXX MOT XX/XX/XXXX XXXX XXXX MO XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of XXXX and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (VA)

On XX/XX/2023, I was charged {$27.00} for XXXX XXXX Guest Visit. This was for the lounge access in XXXX. I brought three guests with me. When I when to check-in with the front desk staff, I asked if there would be additional charge if I brought in three guests and she said no, I could bring them all in without any charge. Had I known later on Chase and XXXX XXXX would charge me {$27.00}, I would bring in only two guests because the lounge service at XXXX was not worth {$27.00} entrance fee at all. This charge was made when I was totally unaware of ( I didn't authorize this charge and was provided with complete and transparent information when this charge was made ). I had to call in two times to get this disputed. The first time, the agent said I would be credited back {$27.00}. I waited for 10 days, nothing showed up on my account. I had to call in a second time. This time, a different agent said a completely contradictory opinion compared to the first one. He said this charge would not be dispute and I would not receive my money back. The fact that I had to call in two times to get it resolved and received two competing solutions is really frustrating to me. I feel like I felt into a scam between XXXX XXXX and Chase Sapphire Reserve because of the in-transparent and unprofessional service.
Consumer complaint received 2023-06-28
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following: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
Consumer complaint received 2023-06-26
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I emailed the ceo of Capital one XX/XX/XXXX regarding late payment removal of on my auto loan from XXXX XXXX also XXXX XX/XX/XXXX. I explained that I had reasonable cause which was the burden of financial hardship during XXXX pandemic and since XXXX I have remained consistent with on time payments on my loan. On XX/XX/XXXX. I received a letter in the mail from COAF credit bureau dispute, advising no changes will be made to my consumer credit file.
Consumer complaint received 2023-06-28
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. (CA)

This is my 16TH endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$2000.00} XXXX XX/XX/XXXX
Consumer complaint received 2023-06-28
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 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
Consumer complaint received 2019-03-15
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. (MO)

XXXX XXXX XXXX has violated my rights under the Fair Credit Reporting Act by fraudulently and illegally placing an outdated account that is not mine into my credit report. The account, from XX/XX/XXXX, was placed into my credit report well over a decade later in XX/XX/XXXX when I discovered it. I have learned the account was charged off in XXXX when XXXX XXXX XXXX filed for and declared Chapter XXXX bankruptcy, going out of business. XXXX XXXX XXXX refuses full transparency as I have asked for and refuses to provide me with the information that I have requested. Instead they told me to contact XXXX XXXX XXXX, which they know does not even exist. XXXX has also told me that they are not responsible for putting this into my credit report, when in fact it is them. Each time I file a dispute with Tran-Union, XXXX provides additional false information to them which I have documented. One example is how XXXX put into my credit report " Last payment made on XX/XX/XXXX '' to make it look like I was making payments. This is a complete fraud, abusive, unfair practice, and misrepresentation of debt by falsifying information to Trans Union. XXXX refuses to supply me with further documentation showing the amount of this payment, method paid, and person responsible for paying it ... because it is an abuse of power which should be stripped away from XXXX XXXX XXXX.
Consumer complaint received 2023-06-26
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: CMRE Financial Services, Inc. (AZ)

My bill was reported to access said they gon na to take care of medical bill, they never did a 3 rd company never told me never address me nothing about they bill they medical company did do nothing about it .I was told this was paid off all ready and my credit is bad and no 3rd company 's don't have my authorization about this only bill on my credit report they are fake and this bill needs off my credit report thank you XXXX XXXX a 3rd company has my bill and is fake, no rights my bill is over 145 days and 2 company 's 3rd party has my bill no rights and this a medical bill was taken care of
Consumer complaint received 2023-06-26
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-06-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2023, an unauthorized {$3000.00} was removed from my Chase primary checking account. Apparently, someone had stolen my debit card information and linked it to a XXXX account, and then used it to process this unauthorized transaction. This unauthorized user also contacted Chase by phone to journal {$200.00} from a secondary account into the primary account to fully satisfy the {$3000.00} charge. 

After reporting the fraud to Chase, they disabled the debit card and issued a new one. However, they then denied my fraud claim, saying that I provided electronic authorization for this activity. I told them that this was not true. They refused to provide me with proof of their findings, and also refused to reopen or re-review the case until I could provide them with more evidence. I am unable to dispute their findings, because they have not provided me with any details. 

I also contacted XXXX to report that an unauthorized account had used my debit card to commit fraud. They agreed and terminated the account, but also opened and closed a case without providing any follow up. I have no idea of the results of their investigation because they have not contacted me or provided any documentation. They did not explain how my debit card was verified on this false account, nor did I see any verification deposits/withdrawals on my checking account that would have certainly flagged this fraud activity. 

At this time, I feel as though Chase and XXXX are giving me the run-around in hopes that I will give up and go away. I believe that all of their security measures have failed to protect my money. I also believe that it should be illegal for them to open and close fraud cases without providing the evidence of their findings in a formal letter or email. 

I have also filed a police report and am waiting for the formal report to be emailed to me from the XXXX, IL police department. 

I appreciate any assistance in holding these parties responsible for their security failures.
Consumer complaint received 2023-06-26
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. (CO)

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 


XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2019-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

I have a security freeze setup with Experian. I can not get a temporary lift applied online or in writing from Experian using the security PIN code they provided or when I mail all the requested materials to them in writing. 

I have been refused loans 4 times in the last 18 months because they could not pull a report from Experian including the most recent with XXXX XXXX on XX/XX/XXXX. 

I have written Experian about the problem three times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and have not received a response or a remedy to the problem. 

Their online credit freeze lift doesn't work. Mailing them the requested materials doesn't work. There is no phone number to reach them ... I am just told to send the request in the mail.
Consumer complaint received 2023-08-14
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have requested I vestigation 3 times already ; see below my most recent : XXXX XXXX XXXX and XXXX XXXX XXXX. 
We need all accounts Verified that are listed on your companies reporting! 
Fair Crediting Reporting Act 609 ( a ) ( 1 ) ( A ) as you are required by law to verify. Through physical verification of the ORIGINAL signed contract. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXU.S. Bankruptcy Court  XXXX XXXX Otherwise anyone could send in a fraudulent claim or report especially if paying for your services. 
Your negative reports without verifying has hurt me and my ability to obtain credit. 
FCRA states unverified accounts must be removed. 
I have asked three ( 3 ) times, now I demand verification in the next 72hrs or I shall report your company. Date XX/XX/2023 ; you have til midnight XX/XX/2023. Without recourse. By : XXXX XXXX, beneficiary and by : XXXX XXXX, beneficiary
Consumer complaint received 2023-06-28
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. (SC)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$470.00} ; XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2023-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.