davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Zip Co US Inc. (FL)

I utilized QuadPay to pay for a credit repair service. The credit repair service never returned phone calls and emails. I emailed QuadPay and they agreed to refund my money with 13 days. I am still waiting.
Consumer complaint received 2020-12-29
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Zip Co US Inc. (NY)

I purchased a product from XXXX XXXX on installment payments through QuadPay order # XXXX. QuadPay processed my card for XXXX. The merchant XXXX  never sent me any products nor responded to any contacts Ive made about my order. My bank blocked payments and I notified QuadPay to stop processing my card on XX/XX/2020. Ever since then they have been trying to process my card for a product I already advised them I did not receive. It is now XX/XX/2020 and I still have not receive any claim from the merchant and they still have not contacted me. Today QuadPay have attempted to process my debit card over 30 times and it has been going on every couple minutes for hours and continues to as the night goes on. This is extremely harassing its abusing and absolutely ridiculous. this is my second time notifying the company to stop process payments from my bank because I did not receive product i ordered from XX/XX/2020 and have reached out to merchant multiple times and they still have not contacted me regards any claims. They have sent emails about sending my account to collections and continue to process my card everyday multiple times for hours at a time and here I am XX/XX/2020 with no refund from merchant and the company has done nothing but harassed me and I would like it to stop and furthermore their system does not allow me to delete my card from account. Its emotionally distressing
Consumer complaint received 2024-08-26
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Chrysalis Holdings LLC (GA)

NEW DAY USA ... ..Multiple avoidable delays, lies and outright fabrications on the part of my representative. He also refused to have his supervisor contact me. I had to initiate contact and was often ignored for days. Multiple interactions have been needed to get through this horribly flawed process. Every single step has been fraught with mistakes that I have recorded in text conversations with the lender 's representative. Abysmal treatment of a terminally ill veteran. They did not fund on the date stated in the contract. ZERO accountability.
Consumer complaint received 2023-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Between the week of my XXXX and XX/XX/XXXX I noticed my bank of America account was compromised. I lost my phone in a XXXX this same week and it took me a few days to get into my XXXX account Android banking etc. When I finally got into my accounts I seen that {$6800.00} was took from my account. I've been goin through the claim process for months and they keep dening me. I believe there is some XXXX motivation, I've endured some pain and suffering, bills are due and the holidays left me miserable.
Consumer complaint received 2024-05-21
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)

MY PERSONAL INFORMATION WAS STOLEN XXXX  AND REPORTED. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2024-05-22
Product: Credit card — General-purpose credit card or charge card
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. (DC)

I always make my payments on time and am certain of this. What confuses me is why this company is reporting late payments for certain months, which shouldn't be happening. According to USC 1666b, any billing errors should be corrected, or else the company owes me {$1000.00} for each inaccurately reported account.c
Consumer complaint received 2024-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

I have been a loyal customer of Chase Bank for nearly 15 years. 
A few months ago, Chase Bank 's customer service recommended that I switch to paperless statements. At almost XXXX XXXX XXXX XXXX, I have limited experience with technology, but I followed their advice and stopped receiving physical bank statements at my home address. 
On the afternoon of XXXX XXXX, 2024, I called Chase 's customer service department to inquire about the last ten transactions on my business account. During the review with the customer service representative, I discovered that between XXXX XXXX, 2024, and XXXX XXXX, 2024, a total of fifty-one unauthorized fraudulent charges had been processed on my Business Chase bank account, amounting to {$3700.00}. All these charges were made at a XXXX XXXX gasoline station ( with XXXX XXXX XXXX away from my house ), with more than {$1700.00} fraudulently charged for gasoline in a single month!!

I entrusted Chase Bank with my hard-earned money, and I am now requesting a full refund due to their negligence in safeguarding my account. Despite the fraudulent activity occurring from XX/XX/2024 to XXXX  2024, I never received any fraud alerts. On XXXX XXXX, 2024, I contacted the Chase Fraud Department to initiate an investigation and request a refund. Unfortunately, they denied my claim and would only acknowledge 30 days ' worth of the fraudulent transactions. 
I have proof that I always use XXXX ( a gas station next to my house for the last 15 years, 99 % of the times ). I never use that XXXX XXXX. 
Additionally, on XX/XX/ 2024, I visited the Chase branch near my home and asked the branch manager for an update on my refund and requested a letter acknowledging the fraudulent activity on my account. Unfortunately, the branch manager rudely denied the request, and I also asked the bank for a letter head from chase saying about all the fraud into my account and the manager XXXX XXXX said no. 
I am formally requesting that Chase Bank refund me the {$3700.00} of unauthorized fraudulent charges processed on my account and I need your help with this issue please because they do not want to, they offer me only a low amount less than {$1200.00}. I also filed a police report on XXXX XXXX, 2024 case # XXXX with officer XXXX XXXX - ID # XXXX District XXXX. 
I have the bank statements as proof but has my name, address, account #, etc...

Also the notices from the bank saying no to my all money stoled.

These are the months and amounts when the fraud occurred : XXXX XXXX 2024 through XXXX XXXX 2024 {$140.00} XXXX XXXX, 2024 through XXXX XXXX, 2024 {$1100.00} XXXX XXXX, 2024 through XXXX XXXX, 2024 {$670.00} XXXX XXXX, 2024 through XXXX XXXX, 2024 {$1700.00} A total of {$3700.00} In advance I would like to appreciate all your help on this issue.

Thank you very much.
Consumer complaint received 2024-07-20
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I had to be rude with the woman as she was speaking to me like this situation was my fault. I do no appreciate the way I was talked to nor do I appreciate being told this was my fault. I am not the one whom did not verify information in the XXXX. I do not appreciate being charged for a credit card to be shipped as soon as possible when Im not the one that messed up. Im extremely frustrated as I should have a new credit card and Im being talked to like this is my fault and I have to wait 10 more business days.
Consumer complaint received 2018-05-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IN)

USAA Savings Bank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2024-07-08
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. (NV)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-07-14
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. (FL)

This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ). By law the consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Please delete all other addresses they are not my addresses ; I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.

Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT XXXX XXXX XXXX ( a ) ( XXXX ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of XXXX XXXX XXXX and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX, XXXX, FL, XXXX
Consumer complaint received 2024-07-23
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. (ND)

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

reporting a canceled forgiven debt that was sold is a violation of the FCRA the account has been canceled by 1099c and sold this account has no debt to report under the IRS rules I WILL KEEP FILING COMPLAINTS ON THIS MATTER UNTIL L YOU FIX THIS YOU CAN NOT REPORT A CANCEL SELL IT THE DEBT IS NO MORE REMOVE AT ONCE I WILL KEEP FILING THIS COMPLAINT EVERY DAY TILL THIS IS DELETED THAT WILL BE 7 COMPLAINTS WEEK
Consumer complaint received 2023-04-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

On XX/XX/23 I reported a identity theft fraud issue where someone opened up a checking account in my name the associate closed it out and gave me a fraud claim number XXXX at that point I Froze my check system profile to prevent this issue from happening again but Bank of America allowed another checking account to be open in my name which was again fraud on XX/XX/23 without taking additional steps to block a new account from being open claim number XXXX.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I am writing to address an ongoing issue with fraudulent items on my credit report. Despite my initial dispute, these items persist, and I am making a second attempt to have them removed as they are significantly affecting my financial standing. 

I previously contacted your organization to dispute the presence of fraudulent items on my credit report. These items are not an accurate reflection of my financial history and have caused substantial harm to my credit score, making it challenging to obtain loans, secure favorable interest rates, and achieve my financial goals. 

I have attached the following supporting documentation for your review : Copies of all previous correspondence and dispute letters submitted to your bureau regarding the fraudulent items. 
Evidence substantiating the fraudulent nature of these items, such as police reports, affidavits, or any other relevant documentation. 
Documentation highlighting my responsible financial behavior and positive credit history. 
Despite my initial efforts, the fraudulent items continue to negatively impact my credit report. I am deeply concerned that these inaccuracies may further hinder my ability to secure housing, employment, or access credit services, and they pose a significant threat to my financial well-being.

I formally request a thorough reinvestigation into this matter. I urge you to take prompt action to remove the fraudulent items from my credit report and ensure that my credit history accurately represents my financial responsibility. 

Furthermore, please provide written confirmation of the resolution and the steps taken to rectify the situation. I expect a timely response in accordance with the Fair Credit Reporting Act ( FCRA ) guidelines, which require a response within 30 days of a dispute. 

Failure to address this matter in a satisfactory manner will leave me with no choice but to explore the legal remedies available to me under the FCRA and other applicable laws. I am asking for your immediate assistance to remove these fraud items in my credit file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-08
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. (TX)

My account with XXXX  was never late! I have had exceptional payment history with XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in months that are reported late to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-05-22
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. (FL)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-08
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. (NC)

Why Im still receiving emails for the bureaus saying Im helping by credit repair companies which is definitely NOT TRUE. I'm the one who send out the letters. Please make an action now! or i will sue you. Heres the list of inaccurate accounts and inquiries I want to remove. 

XXXX : XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX, Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Account Number : XXXX {$25000.00} XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX Account Number : XXXX {$25000.00} XX/XX/XXXX TransUnion : XXXX XXXX of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX  Account Number : XXXX {$25000.00} XX/XX/XXXX
Consumer complaint received 2024-07-14
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. (WA)

**Subject : Complaint and Dispute Against Equifax and XXXX XXXX for Unauthorized Furnishing of Consumer Report Data** **To Whom It May Concern : ** I am writing to file a formal complaint against Equifax and XXXX XXXX for violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b regarding permissible purposes for obtaining consumer reports.

**Details of the Complaint : ** 1. **Unauthorized Access and Use of Consumer Report Data : ** - XXXX XXXX furnished my private data to Equifax without my express written consent. This is a direct violation of 15 U.S. Code 1681b, which mandates permissible purposes for accessing and using consumer report information. Neither Equifax nor XXXX XXXX had my express written permission to furnish this data. 

2. **Lack of Due Diligence by XXXX XXXX : ** - XXXX XXXX has failed to demonstrate the detailed steps taken to ensure that my credit report was clear and accurate before furnishing the data to Equifax .

3. **Fraudulent Activities by XXXX XXXX : ** - XXXX XXXX has committed multiple fraudulent activities, including but not limited to : - Falsifying the validation of debt. 
- Falsely claiming that I signed an agreement with them. 
- Falsifying records of sending my statements in a timely manner. 
- Refusing to accept my tender. 
-Reporting my open end credit as late on multiple occaisions with out ensureing my statements came 21 days prior to close according to 15 USC 1681a ( 2 ) ( 1 ) & 15 USC 1666B These actions constitute numerous federal crimes and have caused significant harm and distress.

**Requested Resolution : ** 1. Immediate removal of any data furnished by XXXX XXXX from my consumer report.

2. A thorough investigation into the unauthorized furnishing of my data.

3. Appropriate penalties and corrective measures against Equifax and XXXX XXXX for these violations.

4. Written confirmation of the actions taken in response to this complaint. 

I am asserting my rights under the Fair Credit Reporting Act and demand that these violations be addressed promptly. Please consider this communication as formal notice of my intent to enforce my rights under the law. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX, XXXX
Consumer complaint received 2018-05-15
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: Service Finance Holdings, LLC (MI)

Institution Information Service Fin XXXX XXXX, FL XXXX ( XXXX ) XXXX I applied for Fiance with a window company and they selected this company as my lender. This lender ran 2 hard inquiries on my credit report, which in turn, lowered my credit score.