davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-15
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. (IL)

Good Afternoon, My daughter was in the process of applying for a home loan when the lender notified her that according to the EXPERIAN credit report, she was an authorized user on my XXXX XXXX XXXX account AND my husband, her step-father 's, XXXX XXXX XXXX credit card account PER EXPERIAN XXXX 

My XXXX XXXX XXXX account and my husband 's XXXX XXXX XXXX XXXX was NOT on my daughter 's XXXX or XXXX credit reports XXXX ONLY EXPERIAN. 

My daughter, my husband and I have talked to XXXX XXXX numerous times who have REPEATEDLY told us that my daughter is NOT an authorized user on my account or on my husband 's account. She was on our XXXX credit card account YEARS ago, when the XXXX card was managed by XXXX XXXX. Those accounts have been CLOSED for years. 

My daughter filed a DISPUTE with Experian to get these accounts off of her credit report and they didn't do any research with XXXX XXXX and have left the CLOSED accounts which she is NOT an authorized user on her credit report. 

I am filing a report to CFPB because my husband 's credit card balance was made an issue on my daughter 's credit report when she is NOT an authorized user on either his account or my account. 

I have been unable to file a DISPUTE with EXPERIAN because it is not my credit report that is being affected nor WILL EXPERIAN let me speak to a LIVE person to get this matter resolved. 

EXPERIAN is a unreliable credit reporting company that should NOT be used by lenders. 

My husband now has to pay his credit card off to a XXXX balance, even though he has has had a XXXX card for MANY years, and the card is in good standing and has always been in good standing but the debt on this credit card is inhibiting my daughter to get a loan because of HER debt / income ratio. 

I am infuriated that my husband 's balance on his credit card was INCLUDED on my daughter 's credit report and EXPERIAN refuses to investigate or get this corrected. This is PRIVATE information that was made available to my daughter because it was incorrectly included on HER EXPERIAN credit report. 

I want this matter resolved IMMEDIATELY and I'm hoping that filing a complaint with CFPB will expediate this matter. 

Sincerely XXXX
Consumer complaint received 2023-05-16
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: Experian Information Solutions Inc. (NJ)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-15
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)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have 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 2023-05-15
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

This complaint is against Capital One on how they handled unauthorized transactions on my account and how callous they are with fraudulent transactions on consumers account simply because they know they can deny your claim for any reason and get away with it. this is not right. who is protecting the consumers again these big corporations. Capital One holds his loyal customers responsible for unauthorized and fraudulent transactions and expect them to pay for charges they did not authorize with their hard earned money. On XX/XX/XXXX, I contacted Capital One about an unauthorized charge of {$44.00} cents by XXXX on my account that was posted on XX/XX/XXXX, XXXX upon further investigation, the agent and i found out it was a recurring transaction that was posted also on XXXX, XXXX, for {$44.00} cents and XX/XX/XXXX for {$44.00} cents. so the agent filed the complaints for all three. Now the fraud operation, although acknowledge the transactions were unauthorized, denied the claim to reimburse me for the charges for XX/XX/XXXX and XX/XX/XXXX by stating I am responsible for the unauthorized charges because it is too late to contact the seller. I believe Capital One should be responsible to protect their customers against unauthorized charges or fraud on their account. I should not be responsible for transactions I did not make. I should have XXXX liability when fraud has been determined and established. 

I Spoke to XXXX, id number XXXX, who identified himself as the manager. he told me my claim was denied because they are older than 60 days therefore I am responsible for these fraudulent charges. How does a credit card company hold his consumers responsible for unauthorized charges on their account. who is protecting the consumers? What is Capital One 's responsibility? 
the goal of my complaint is because I want Capital One to reimburse me for those unauthorized charges and not place the burden or blame on their consumers for fraudulent transactions.
Consumer complaint received 2023-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (UT)

On XX/XX/XXXX I received a call from XXXX, I XXXX  the number and saw that it was a call from Chase Bank Customer Service. I answered the call and the person on the phone informed me that there was a fraud attempt on my account. She knew my name address and the email associated with my bank account. She told me that she was going to turn on the fraud alerts to my account and that it isn't a real charge but it was only to test out if the alerts were working. Almost instantly I received a text from the official Chase bank number notifying me of a fraud alert she told me to reply yes since it was a fake one just to make sure it worked. To which I did. She then told me to turn on my notifications for email and sure enough I received a real email from chase bank on time to which she told me to respond to yes to turn on the fraud alerts. She informed me that I would not have access to my online bank due to security reasons. Which checked out. A week later I received the same call with the same process apologizing for the delay as they were trying to secure my account. 
I did not provide any personal information to this person but she was able to transfer money from my savings account into my checking account and used XXXX XXXX to steal all the money in my account. My bank failed to notify me that someone from an unrecognized device managed to get into my account and change the password to my bank account. Normally I would receive a notification of both instances. My bank has since then denied my fraud claim and the appeal I submitted.
Consumer complaint received 2023-05-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (GA)

Commencing on or around XX/XX/2022, I fell victim to a multi-layered scam operation run by fake XXXX customer support which involved me making deposits for a total amount of XXXX USD from my Wells Fargo account to the fraudsters.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

On XX/XX/XXXX  I sent a letter in regard to unknown and inaccurate items on my credit report. I have yet to receive a response and it has been well over 30 days. I cant help but to feel done wrong because my attempts of reaching out to dispute these items are being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Again, it has been well over 30 days since I have sent in my dispute with no response. I demand that these accounts be deleted immediately, or I will be forced to file for litigation due to the disruption of my everyday living caused by the companies involved. My information was affected by the Experian data breach and could have been used by a random person with ill intentions. They are violation my consumer rights via Inaccurate Information 15USC 1681 ( B ), 15USC 1692 ( g ) ( a ) ( a ) Notice of debt ; contents, In accordance with the Fair Credit Reporting Act this creditor has violated my consumer rights under 15 USC 1681 sec 602 states I have a right to privacy. 
15 USC 1681 Sec 604 ( A ) Sec ( 2 ) it also states a consumer reporting agency can not furnish my accounts without my written instructions.

15 USC 1666 ( B ) a creditor my not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.

15USC 1602 ( J ) ( K ) ( J ) The terms open end credit plan and open end consumer credit plan mean a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. Attachments : Letter to Experian and my identification.
Consumer complaint received 2023-05-15
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. (IL)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2018-04-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

I received notice that Navient had purchased my student loan from XXXX. I created a profile on the Navient website and set up my account with them as directed. I made my first payment of {$1.00} as a test payment ( bank verified ) and then set up Auto-pay for my first regular installment to be debited on XX/XX/XXXX. 

The first installment payment was not taken, but their website showed it was. On XX/XX/XXXX I  contacted my bank ( XXXX XXXX XXXX XXXX ) to verify and have documentation as a 3rd party regarding this issue with Navient. XXXX verified the {$1.00} test payment I made, but said Navient has not tried to debit my regular installment payment. When I contacted Navient by phone they said they couldn't view this information and that maybe I have provided the wrong banking information. They said if the bank information is wrong then it could take up to 10 days for a payment to be completed. They had no other explanation when I informed them that I had already spoken with my bank and and gave them the details. The phone rep told me to wait for the payment to be taken. 

On XX/XX/XXXX, I sent a written complaint for follow up through the Navient portal because the problem is still not fixed and no one has gotten back with me as I requested. Navient 's website shows the first installment payment received on XX/XX/XXXX, but now shows a late payment on XX/XX/XXXX.

On XX/XX/XXXX, XXXX XXXX from Navient replied that they are " still working '' on my account and need to " research '' my account. I followed up with via email with XXXX on XX/XX/XXXX and again yesterday evening XX/XX/XXXX and my account is still not fixed and I have nor received an update as requested. 

I have also request documents to show proof that they actually do own this loan, which has not been addressed.
Consumer complaint received 2023-05-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: GOLDMAN SACHS BANK USA (CA)

When XXXX XXXX XXXX  closed, I quickly transferred all of my money to my only other open bank account at Marcus by Goldman Sachs. My Marcus account was my emergency fund, so I needed to set up a new checking/savings account elsewhere for direct deposit of paychecks, paying bills, and paying rent. I set up a free checking and savings account with XXXX. When I went to online transfer or wire transfer my funds from Marcus to XXXX, I was hit with error messages. 

An online chat with a Marcus representative told me that they do not support Marcus, and that they could mail me a check or I would need to open another checking/savings account. They could not provide me with a list of banks that they do or do not support. They instead told me to choose Bank XXXX XXXX, XXXX, or XXXX XXXX and compared XXXX to a XXXX account. They said that they do not support online banks. Then they said that they support XXXX XXXX, which is an online bank. 

I am so frustrated and confused at this situation. Why can't a financial institution wire money to another financial institution? I don't want to miss paying my bills or rent, but I don't know what to do. My next step is to transfer my money out of Marcus and close that account permanently.
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (FL)

XX/XX/XXXX I attempted to change auto insurance providers and was informed that I was going to be charged extra every month because LexisNexis Consumer Report is reporting that I have a comprehensive insurance claim on my report from XXXX. I reached out to my insurance company from XXXX XXXX XXXX who confirmed with me that I had no insurance claim against me during the timeframe. I have attempted to get me consumer report from LexisNexis, which failed, I have submitted questions to LexisNexis online, which failed. I have called LexisNexis and discovered that there is no way to speak to a company representative unless you select an the option to become a business partner with LexisNexis. As soon as the representative determines that you are not trying to form a partnership with LexisNexis, you are transferred to the on hold queue and nobody ever answers the phone. This incorrect consumer report is costing me money every month and there is no way for me to get the data updated. LexisNexis appears to be a government sponsored scam. 

LexisNexis XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-15
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: EQUIFAX, INC. (IL)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under XXXX5 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-05-15
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: EQUIFAX, INC. (IL)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-09-17
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. (CA)

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. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEEDS TO BE REMOVED IMMEDIATELY 15 U.S.C. 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 section 604 A. Section2 : 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 items 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.

These inaccuracies are hindering me from securing my dream home, applying for new personal and business credit and also requesting higher limits on the credit cards already in my posession.
Consumer complaint received 2018-04-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (FL)

Due to extended illness and hospitalization duringXX/XX/XXXX, I missed the payment. In XX/XX/XXXX, I contacted Citi to get back on track. I paid {$37.00} on XX/XX/XXXX, and {$37.00} on XX/XX/XXXX. I was informed that my next payment was {$28.00}. 

I thought all was well until I logged on to Citi on XX/XX/XXXX to pay the XX/XX/XXXX payment, and found out the account was still behind and I owed more than {$28.00}. I was upset and called up. When I realized what was going on, I asked for the tapes that recorded those prior phone calls to be pulled because I said I was given misinformation. I was told someone would call me within 48 hours. I did not receive a call. I called Citi again and was told that they tried to call me twice but I did not answer. I did not have any calls on my Caller ID from either Sears or Citi. 

On XX/XX/XXXX, my payment is due and so far I am still in limbo with this account, so I called Citi. It was over an hour of my time going from one department to another with more excuses. Finally, the collection 's department said I did get misinformation, however, they can not change the account. I was transferred to customer service so they could " honor the adjustment '' and they did : nothing.

I was told to pay {$28.00} today and some vague talk about someone from Citi will call to straighten out the account. I was not told when. So I am still behind with all then extra late fees being added to my account. 

This is like a hole that you fall in that you can never recover. I missed just one {$37.00} payment and it is this mess. Talking to Citi is even more frustrating ; nothing gets fixed. It seems intentional and this practice has to be stopped. Thank you.
Consumer complaint received 2023-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (PA)

On XX/XX/XXXX I filed a dispute totaling $ XXXX charges that weren't mine. 3 days later I received an email stating that the dispute was denied and with absolutely no reasoning. I contacted customer service and asked why the claim was denied and the lady couldn't tell me because there was no reasoning provided. Chime claims that they put in a rebuttal for that claim and the very next day I received another email stating that the rebuttal was denied as well with no reasoning! Again today XX/XX/XXXX I received an email stating my card was denied and I didn't know why because I didn't try to use it! I went onto my chime account to see once again the same company drained my chime account! So k contacted customer service again and spoke to someone who claimed she was a supervisor, she told me she filed another rebuttal for the first claim I filed that was {$2200.00} and another claim for the newer charges totaling {$1000.00}! This is twice now my account has been freaking drained and I am left with absolutely no money nor can I get a straight answer from these people.
Consumer complaint received 2023-09-15
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)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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