davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act. The List of the accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX # XXXX, 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 7 years.
Consumer complaint received 2023-05-26
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. (PA)

On XX/XX/2022 I used my credit card to make a deposit for handy work for my house for {$1000.00} on my Chase Marriott Reward Card. I received a fraud alert from Chase Marriott that they did not process the charge. I was instructed to have the vendor resubmit the charge if it was not fraud. Although they instructed me to resubmit the charge, the charge went through three times. I immediately called them to reverse the two charges, which they did on the same day. After Chase did their investigation, they claimed that two of the charges were legitimate and posted back the second charge. The summary is that I was charged three times for {$1000.00} and they only credited {$1000.00}. Therefore I have been over charged by {$1000.00}. The vendor used XXXX and claims that they never received the second or third payment. They rebilled the {$1000.00} on XXXX XXXX. I called Chase to complain, and they instructed me to appeal. On XX/XX/XXXX I faxed them a letter documenting what occurred. On XX/XX/XXXX I received a letter from Chase stating my charge was valid. They ignored all the documentation I sent them in regard to the triple charge, only one reversal. I called them and they instructed me to appeal. On XX/XX/XXXX, I faxed them a second letter to open the dispute. I carefully documented what happened and gave them a copy of their fraud alert which started the whole over charging. On XX/XX/XXXX, I received a letter stating that the charge of {$1000.00} was valid. I just don't understand if you see three charges on the same day for the same amount and you dispute two of them, why they would not reverse two charges. I am looking for relief here as {$1000.00} is not an insignificant amount of money and I am a victim here.
Consumer complaint received 2023-05-26
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. (FL)

I am a victim of identity theft. I am writing to request that you remove the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2023-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Block, Inc. (MO)

I was randomly on my way to the store to purchase some things and I noticed that my card was locked, I went to try and unlock it but it would not unlock little while later I tried to order a new card hoping that it would refresh and I could use my card again.It did not refresh and they took XXXX XXXX for me and I could not get it back even after I texted him on the app multiple times and called even more
Consumer complaint received 2023-04-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MS)

I have 3 promotional balances on my card. One promotional balance expiring on XX/XX/23, XX/XX/23 & XX/XX/23. In order to pay off my promotional balance expiring on XX/XX/23 to avoid interest charges, I have been making additional payments of {$51.00} towards the balance. My payments were made on XX/XX/23 & XX/XX/23. I will also be making the same {$51.00} payments on XX/XX/23, XX/XX/23 & XX/XX/23. Synchrony Bank is applying my additional payments towards the promotional balance expiring on XX/XX/23. By doing this, they can charge me interest on my promotional balance expiring on XXXX contacted them about they payment made on XX/XX/23 and they corrected their error. However, the payment on XX/XX/23 was applied to the promotional balance expiring on XX/XX/23. I should not have to keep calling or messaging them for my payments to be applied correctly.
Consumer complaint received 2023-05-26
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: Experian Information Solutions Inc. (GA)

On XX/XX/2023, I sent in a letter to requesting Experian to verify a Bankruptcy they are reporting on my credit report. As of XX/XX/2023, I have not been notified of any results into this investigation. According to the FCRA, Credit Bureaus have within 15 days to respond to a consumers request for verification on accounts. Experian has definitely violated my rights as a consumer because it has been 45 days passed the required response time. I requested this Bankruptcy to be verified from Experian because I received a signed and sealed letter from the clerk of courts stating they don't report bankruptcies to any credit bureau.
Consumer complaint received 2023-05-26
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

This is about my California edd prepaid debit card. Over XXXX XXXX dollars was siffoned out of my account starting in XXXX of XXXX. The California edd had put my back pay on my edd card unbeknownst to me on XXXX XXXX. I hadn't received benefits since XX/XX/XXXX, it was an issue on my account, which is why I had not been checking my edd card regularly. I did not receive any deposit alerts even though I had them set up. I did not find out about the restart of my benefits until XXXX of XXXX. By that time it was {$1.00} in my account. I immediately called BOA dispute line and they filed 4 separate disputes 1 ) # XXXX for {$8000.00} 2 ) # XXXX for {$4800.00} 3 ) # XXXX for {$5800.00} 4 ) # XXXX for {$1000.00} I explained to them in detail what happened and ordered a new card. Mind you my original card had no chip. All disputes were denied with the exception of dispute # 3 in less than 10 days. I asked for reconsideration that was denied too, with no valid reason why. I gave up. Fast forward to XX/XX/XXXX I get an email from bank of America stating that dispute # 3 listed above had been opened, confused I called BOA at this time. I no longer had an edd card because it was no need so I threw it away years prior. I ordered a new one XXXX XXXX. I was informed by dispute representative that this was an abandoned dispute that BOA reopened and also informed me, 3 other disputes the ones listed above had been reopened XX/XX/XXXX, and there were no updates and no time frame for it to be resolved. I had no knowledge, no one sent mail anything. Well the rep filed complaint for the disputes that were opened since XX/XX/XXXX. I called 5 days later and dispute # 3 was denied as well and filed another complaint and asked for reconsideration. Once again no resolution. I need all of this rectified. I'm aware of the class action lawsuit against BOA and users of CA edd cards an decision. I need these disputes completed immediately and provisional credit to my account while I wait. I am prepared to take this to court will send demand letter to corporate office.
Consumer complaint received 2023-05-26
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX Owed : {$240.00}, XXXX XXXX Balance XXXX : {$0.00}, XXXX XXXX Balance Owed : {$3100.00}, XXXX XXXX Balance Owed : {$4100.00} XXXX XXXX XXXX Balance Owed : {$3700.00}, XXXX XXXX INT XXXX Balance Owed : {$21000.00}, XXXX XXXX  XXXX XXXX XXXX XXXXXXXX Balance Owed : {$100.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-05-26
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: MOHELA (FL)

FedLoan servicing has and continues to report negatively on my credit. I have disputed this issue far too many times and FedLoan Servicing still refuses to address the issue and as well XXXX fails to remove it off the report even though the other two bureaus have. 

Additionally, FedLoan servicing has officially close their doors and XXXX is the new owner of FedLoan. I have been in contact with XXXX and they are not able to find the account and the Department of Education has still proven that the loans are 100 % discharged. If FedLoan is no longer and business and XXXX can not find the account, it must be removed off the credit report as the loan does not exist and on the basis, they have been discharged. 

This is a final notice for the removal of the accounts from the credit report.
Consumer complaint received 2023-05-26
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX  XXXX XXXX Balance  : {$500.00} XXXX XXXX XXXX XXXX  Balance : {$500.00}
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

While checking my personal credit report, which I acquired fromExperian, I noticed an unauthorized inquiry made by your company XXXX XXXX XXXX. I did NOT authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.
Consumer complaint received 2023-04-17
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Mezcal Corporation (CA)

Mega Auto is continuing to illegally report this alleged debt on my consumer reports. I spoke to their company and was told that this vehicle was sold a long time ago yet they are still reflecting this as a debt due with the entire balance. I have requested documents reflecting the original contract and bill of sale, the audit trail of the account as well as any documents supporting the re-sale of the vehicle after repo. Mega Auto has failed to send me any documents that were requested as proof to what is actually owed if anything on this alleged debt. Mega Auto continues to violate my consumer rights with their fraudulent reporting and neglecting my requests for legal documentation.
Consumer complaint received 2023-03-31
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: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Credit Account XXXX XXXX and XXXX XXXX XXXX # XXXX 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.
Consumer complaint received 2023-05-26
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. (CA)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation.
Consumer complaint received 2023-05-08
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. (NY)

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 2023-03-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

received a phone call on XX/XX/2022 from XXXX and stated the operator told me someone was trying to withdraw XXXX from his bank account the chase representative stated I needed to verify security questions account number and pin number user id and password to block the transaction he provided the information to the chase representative to secure my account I started to feel not good about the call and i drove to chase located in XXXX XXXX XXXX passed the phone to a chase representative at the branch and he was trying to verify the person on the call but he could not verify him because all the codes he was providing were expired when they noticed it was a fraud call the individual once the transfer was done hung up my sister drove to XXXX  XXXX in XXXX XXXX. and they were able to put a hold and freeze the scammers account I have tried everything chase started a wire recall XXXX XXXX states they are able to return the money the money is frozen but they need a hold harmless letter i sent the letter to chase but chase has not sent it back to XXXX XXXX I need your assistance to recuperate my money as per XXXX XXXX the individual that did fraud has done numerous frauds and the account is frozen and is waiting for that letter to send the funds back please assist me these are my life savings i have also filed a police report report number XXXX deputy XXXX badge number XXXX I have constantly called chase actively since the beginning of this ordeal and they are not doing anything XXXX XXXX stated they needed a hold harmless letter and they did not provide it they have not done anything to help me in this ordeal I have filed a FBI complaint a federal trade complaint I have also filed a police report and nothing happens XXXX XXXX has the money frozen and they are needing the hold harmless letter from chase its been a night mare and chase has not helped in nothing when XXXX XXXX communicates during the wire recall all they did was send us what XXXX XXXX requested but they did not even reply or make any communication with XXXX XXXX to assist me to get my funds back they have been very negligent in this matter XXXX XXXX has the funds frozen in a jail account and if they don't get a response from chase they will release them to unclaimed money with the government I need assistance to get chase to help me or how do I recuperate the funds
Consumer complaint received 2023-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

After reviewing my credit report and doing some research I noticed that was reporting on my credit report but is in violation of my rights as a consumer in several different ways for one the IRS say After a debt is canceled, the creditor may send you a Form 1099-C, Cancellation of Debt showing the amount of cancellation of debt and the date of cancellation, among other things. 
I never received a 1099c. The IRS also stated the amount of the canceled debt is taxable and you must report the canceled debt on your tax return for the year the cancellation occurs.. If that debt is taxable income to me and charged off from your company why is it still showing on my credit report with a balance of XXXX. This is inaccurate information reporting on my credit report. ACCOUNT # XXXX In violation of FCRA 15 US Code 1681b ( a ) ( 1 ) ( 2 ) permissible purpose In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
In accordance

with the written instructions of the consumer to whom it relates. Violation number # 3 FCRA 15 US Code 1681a ( 2 ) B ) Violation number # 4 FCRA 15 US CODE 1681e ( b ) This Is a violation of the FCRA and Is also in violation of requisite METRO 2 Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CR5A enacted CDIA Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from my report.
I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail.
Consumer complaint received 2023-05-26
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)

After reviewing my consumer report, I have observed erroneous accounts and information that are unrelated to me. I did not provide authorization for any of this information to be included in my credit record, and it is significantly impacting my life.
Consumer complaint received 2023-04-24
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

Its a Macys store credit card. At the beginning of Covid, I called and requested to be put on a forbearance. It was approved and they reported me as late the following two months. I shouldnt have been reported as being late since the forbearance had already been approved, and I was told by the person who handled the approval that I didnt need to make any payments at that time.
Consumer complaint received 2024-10-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (PA)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-10-24
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. (IL)

I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.