davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I just submitted a previous claim for the XXXX data breach in which I was told by XXXX I was a victim of identity theft and my.infromation was misused illegally I also attached a form as seen below I was indeed a part of the data breach I included the items that are on my report which is harming it and was not done by my consent legally these are the hard inquires and items on my report that was fraud Credit acceptance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Hard inquires illegally done follows. 
XXXX XXXX XXXX XXXX al XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I attempt3d too dispute these items send innletters nothing has been done by XXXX during this data breach I made multiple calls and trips too post office and filling out forms they send me and return them included these in attachment from them I was a victim of identity theft and too fill out form Please attach the inquires too my last claim I submitted I'd number XXXX for the cfpb it wouldn't let me upload another attachment
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LCI Acquisition Inc. (AZ)

LCI Consumer Center at needs to be deleted from your records immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account Description : Individual Individual Individual Account Rating : Late30Days Late60Days Late30Days Account Status : Closed Closed Closed Account Type : Revolving Revolving Revolving Balance Owed : {$14000.00} {$15000.00} {$14000.00} Closed Date : -- -- -- Credit Limit : XXXX XXXX XXXX Creditor Remarks : DISPUTE RESOLVED - SUBSCRIBER DISAGREES ACCOUNT DELINQUENT 60 DAYS PAST DUE DATE -- Creditor Type : XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX XXXX Date Reported : XXXX XXXX XXXX Date of Last Activity : XXXX XXXX XXXX Dispute Status : XXXX XXXX XXXX High Balance : {$15000.00} {$15000.00} {$15000.00} Last Payment : -- -- -- Last Verified : XXXX XXXX XXXX Past Due Amount : -- -- -- Payment Amount : {$370.00} {$370.00} {$370.00} Payment Frequency : -- -- -- Payment Status : Late30Days Late60Days Late30Days Term Length : -- -- -- Loan Type : CreditCard CreditCard CreditCard XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX Account Description : JointContractualL iability JointContractualL iability M
Consumer complaint received 2024-05-15
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. (OH)

I, XXXX XXXX assert my rights under the FDCPA and FCRA. My privacy, protected by 15 U.S.C. 1681 ( a ) ( 4 ), has been violated without my authorization as required by 15 U.S.C. 1681b ( 2 ). My credit card, as defined in 15 U.S.C. 1602, was used without consent & no benefit. Under 15 U.S.C. 1681s, your organization must act. Equifax, XXXX, and XXXX have failed to maintain accurate data per 15 U.S.C. 1681i ( b ). Due to erroneous information and the transaction being no benefit to the consumer, I filed an identity theft report. As per 15 U.S.C. 1681c-2 ( e ), these inaccuracies must be removed within XXXX days. Unauthorized use of my credit card, violating 15 U.S.C. 1602, provides me no benefit under 15 U.S.C. 1681s. This letter urgently requests the removal of these accounts from my credit report : XXXX XXXX {$1300.00} XX/XX/XXXX XXXX  XXXX {$8100.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

Hello, my name is XXXX XXXX XXXX. I have viewed my credit report and realized there are accounts that are reporting inaccurate, nor does it belong to me. I have listed in the report information of all accounts that were not authorized by me and need to be removed urgently. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MO)

My XXXX XXXX XXXX account was hacked and my personal data was compromised. XXXX XXXX XXXX is providing free credit monitoring for a year. Also, someone used my personal information to take out a XXXX XXXX XXXX ( XXXX ) loan. I went to the free credit report website XXXX different times and each time I was asked to enter my credit card to charge me {$29.00} per month. I could never get past this page to request a free credit report from XXXX or Equifax. These firms make it too difficult for the consumer and in my opinion are not abiding by the spirit of the law/agreement that they are operating under.
Consumer complaint received 2024-05-15
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: EQUIFAX, INC. (TX)

I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I did not miss any payments, and I urgently require your assistance to address this issue.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WI)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-05-15
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: EQUIFAX, INC. (CA)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial XXXX, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2020-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (VA)

On Tuesday, XX/XX/XXXX I purchased two tickets through the Chase Travel portal to travel on XXXX XXXX to XXXX, XXXX for XXXX points, equivalent to {$990.00} ( per Chase conversion ). My account was credited immediately. During late XXXX, XXXX, the nation of XXXX effectively closed its borders to international travel. During the same time period, XXXX cancelled my itinerary. On XX/XX/XXXX I used Chase 's COVID-19 cancellation form to submit a request for a refund due to the cancellation. The refund due was for the XXXX points. On XX/XX/XXXX I received an email suggesting that I would receive an airline credit, not a refund. On XX/XX/XXXX, I contacted Chase Travel through their phone system and they rejected my call because I wasn't travelling within 72 hours. On XX/XX/XXXX, I contacted a representative through the Chase online representative tool. I was told that " Based on the policy of the airline, they are offering a future travel credit wherein the new travel must be complete by XX/XX/XXXX. '' I rejected that offer and cited the XXXX policy that states that " If you decide to end your trip as a result of a canceled flight, you're entitled to a refund of the cost of your unused flight ticket. If you booked through a travel agency, please contact them for a refund. ''XX/XX/XXXX /XX/XX/XXXX. I also referenced the U.S. Department of Transportation Enforcement Notice issued XX/XX/XXXX that states that " passengers should be refunded promptly when their scheduled flights are cancelled or significantly delayed. '' The representative ( going by the name " XXXX XXXX '' ) stated that " I already check the policy of the ticket and I understand that you are dissatisfied with receiving a credit with an airline vs. a full refund. Weve worked incredibly hard to push our partners to provide travelers with as much flexibility as possible due to COVID-19, particularly for flights that are ordinarily non-refundable or limited any changes. We recognize that an airline credit may not be what you were looking for, but know that these are extraordinary circumstances that travel partners are trying to work through. We are still bound by the terms and conditions of airlines and this is the only option that they are providing at this time. '' I continued to reiterate that per XXXX policy and the DoT enforcement action, I would like to submit a claim for a full refund of my points. The Chase Representative continued to state that the airline credit was the only option. The Chase Representative said that they could not be contacted directly and that I was placed in a queue to be contacted by a supervisor. I continued to state that my issue was not resolved and that the representative continue to help me resolve the issue. The Representative ended our chat without resolution. At the time of this complaint, I have not been contacted by a supervisor and the points have not be refunded.
Consumer complaint received 2024-03-03
Product: Credit 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. (CO)

My wife visited the XXXX XXXX in XXXX from XX/XX/XXXX through XX/XX/2023. All of the receipts that were signed were signed in XXXX XXXX ; however, the resort decided at the end of the trip to convert and charge the amount in US dollars. All other foreign transaction charges through Chase are charged in the country 's currency and then converted on the Chase statement at the then prevailing exchange rate. Chase, however, allowed a foreign company to charge in US dollars even though all the receipts are signed in XXXX 

While at the resort she requested the charges to be charged in XXXX ; however, we were told they couldn't do that, which we learned later was not accurate. When she returned to the States, we contacted the company again and were told that if we went back to XXXX they would charge the transaction in XXXX 

My wife has XXXXXXXX XXXX and has a difficult time with computing numbers and handling certain situations. I believe the company took advantage of her XXXX when refusing to honor the transactions in XXXX  as she requested. 

We have reached out to Chase on numerous occasions, providing them with copies of the receipts as well as other Chase statements showing foreign charges being charged in the country 's currency, yet they refuse to do the right thing. 

I believe the charge to be a fraudulent charge since it was not charged accurately according to the receipts signed. Initially, I was seeking just to the difference of {$150.00} in foreign exchange fees. However, I have determined that the entire transaction is fraudulent based on the signed receipts. I am attaching documentation showing the charges in XXXX on the company 's statement, copies of some of the signed receipts in XXXX ( more receipts are available ), and other Chase statements showing foreign transactions in the country 's currency. 

The invoice from the company was for {$32000.00} XXXX  ( attached below ). XXXX XXXX rate on XX/XX/2023, according to XXXX was XXXX. The amount I should have been charged is {$1800.00} ; however, I was charged {$1900.00}. A difference of {$150.00}. When I first reached out to Chase via phone, their representative agreed that I was overcharged.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2024-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (GA)

i paid for services ( painting and ceiling repair ) from a company/contractor. the deposit was paid through XXXX  the remainder payments were paid through XXXX  which came through my debit card at navy fed. the work was not completed, there was damage done to my home and things were broken. i initally tried to work things out with the contractor directly ( of course ) before getting the institution involved. when that failed i called my bank. explained in detail the situation and started the dispute process. 
i submitted TONS of photos, text message conversations, invoices, even included a letter from myself detailing the timeline of events. i received an email stating my claim was DENIED and they will be taking back their provisional credit due to not receiving documentation. each time i call my bank ( navy fed ) regarding the reason documented for denial, i'm unable to speak to their specialist/investigators. someone is always relaying a message " from '' them. Each time i've called i was given a different answer/response as to why my claim was denied ; something different from not receiving documentation because that is/WAS NOT THE Case. i was even told to send in an invoice showing that i paid to get the work done and that would show that i paid for it " Twice ''. my confusion comes in as i've already paid for it and it wasn't done. i cant make heads of tails of navy fed and what their " back office '' is doing. perhaps their playing on their phone but assisting customers they are NOT. no one has given me a consistent answer. each time i call, i get a different answer. and we are talking about {$5000.00} ; not {$20.00}
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I appreciate your time to REMOVE some of the inaccurate items in my file that resulted from problems caused by inaccurate credit information, but I still have ITEMS left that needed to be removed. This is my new attempt to dispute an inquiry in my credit file which resulted from an incorrect credit report details. Again, Im sending over an Identity Theft Report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. 
XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX -- -- -- -- TRANSUNION XXXX XXXX XXXX WY XXXX XXXX, CA XXXX. 
XXXXXXXX XXXX  XX/XX/XXXX. Please note that you have XXXX business days to remove the reporting of any items in my credit file that resulted from an incorrect credit report details. I do not consent to XXXX or any means of automated verification.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

I checked my credit report and noticed I had unauthorized fraudulent inquiries from Equifax on my report that had been removed but were reinserted on my credit. I did not consent to, authorize nor benefit from the following inquiries. I have attached my dispute letter and FTC report that I mailed out today as well. Please remove them immediately. Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

about XXXX weeks ago I called repeatedly to request to modify my information, my name, address, phone number and work information is totally incorrect, they claim that it can not be modified because someone reported them, the reality is that I only have one address, one name, phone number and employment.
Consumer complaint received 2024-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (TX)

Yesterday, one made contact with Navy Federal Credit Union XXXX XXXX XXXX XXXX and had a conversation with XXXX. This discussion was in regards to a potential scam or terroristic threat made by an agency called, " XXXX XXXX. '' Initially, intuition told me XXXX failed at possessing the capability, to fulfill my request. This is because XXXX was able to distinguish his XXXX preferences over the phone. Unfortunately, " XXXX XXXX '' and XXXX, share a common denominator in offering service to men. Most of the time when one comes in contact with an individual like XXXX, who has a tendency of targeting men for fun, I keep my distance because their antics are very offensive. Yet, the severity of a matter allowed me to overlook my personal bias and attempt to move forward with the issue. 

Throughout the consultation yesterday morning, XXXX acted extremely peculiar. He was constantly placing me on hold as if, he was searching for a resolution with another team member and intentionally violated my right, to file a dispute with Navy Federal Credit Union. 

Following our conversation yesterday, I stood by for a formal acknowledgment from NFCU pertaining this dispute. Which I never received via electronic mail. It placed me under the impression that XXXX was acting facetious and completely ignordered my request for support from NFCU. 

Consequently, another representative from XXXX XXXX confirmed that XXXX never submitted any dispute, related to my plea for processing. That being said, I do not appreciate how XXXX flagrantly lied to me via phone stating, " Although it XXXX not end in your favor, we are going to process your dispute. '' Seeing that he was so comfortable in verbalizing lies, to an NFCU XXXXXXXX XXXX will the Consumer Financial Protection Bureau please, investigate both XXXX 's intentions and a possible domestic threat against " XXXX XXXX  ''? 

United States XXXX, XXXX XXXX
Consumer complaint received 2024-05-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2019-04-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: STANDARD MORTGAGE CORPORATION (LA)

On XX/XX/XXXX at XXXX I paid my mortgage online. I was charge a late mortgage ans it hit my credit for being late past 30 days, hurting my credit score by 30 points. When I called Standard mortgage company I was told it should have been paid by online THEIR close of business at XXXX. In most instances close of business is XXXX and I had no idea their close of business was XXXX. They stated that it was not drafted from my checking account until the XXXX and that's why they would not fix my credit report.