davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Momnt Technologies, Inc. (AZ)

This is a fraudulent charge from Momnt to XXXX XXXX XXXX XXXXXXXX. On XX/XX/23, I informed Momnt that the services for the {$29000.00} sent to the dental office ( where I am not a patient ) were never provided. Despite not signing the XXXXXXXX XXXX XXXX XXXX XXXX Receipt attached to the Inactive Treatment Plan, the company has refused to refund the full amount of {$29000.00}. This transaction originated when my mother requested that I co-sign for her dental work at XXXX XXXX XXXX XXXXXXXX. During my conversation with financial consultant XXXX, I was misled to believe that the loan application link sent to me was solely for co-signing purposes. However, upon receiving the completed loan documents, it became evident that I was the primary and sole borrower for the line of credit. Consequently, I declined to sign the XXXX XXXX XXXX XXXXXXXX XXXX Receipt as I was misled during the financing process. 

I am not and have never been a patient of XXXX XXXX XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXX ), and I have no financial obligations to this establishment. All financial obligations should be directed towards the patient only. 

Despite me NEVER signing the merchant 's contract, XXXX XXXX XXXX XXXXXXXX refused to refund the funds, and Momnt did not take any action to retrieve the funds from the dental office. I did not directly nor indirectly benefit from any funds dispursed.
Consumer complaint received 2024-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NY)

On XX/XX/2023 I received an email from Chime XXXX stating they had conducted a review of my account and found that my account was not in compliance with their deposit account agreement. They stated that they therefore, decided to close my account and that I was ineligible for a refund. I had {$4100.00} in that account that was escrow for my rent. I didn't even so much as have a debit card with them and only used the account for escrow yet they closed my account and could not give an explanation or proof of wrongdoing. I have reached out multiple times in multiple avenues and have always gotten the same generic response word for word. They never gave me a response. I can no longer access my online profile and I am now out of rent money. I have provided a screenshot of another post on the XXXX  site ( one of many ) that have also dealt with this issue. Who is going to protect the consumers from these thieves?
Consumer complaint received 2023-05-02
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. (GA)

I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete for Violation
Consumer complaint received 2024-06-26
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)

I have made multiple efforts to resolve the issue of false, incorrect, and deceptive information on my consumer report, but the problem persists. These erroneous entries have severely affected my wellbeing, causing considerable distress. I must emphasize that I never gave permission for this information to be linked to my identity, as I have been a target of identity theft.
Consumer complaint received 2024-05-23
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (MA)

On XX/XX/XXXX I received through XXXX XXXX a check from my father of XXXX USD. Same day I deposited the check through a Chase ATM which accepted the check and has given me a receipt. My funds were on hold a an amount of time as I was accused of fraud by chase and since the check was deposited at a faulty ATM of theirs they weren't even able to see the image of the check. After I provided them with the receipts which contained an image of the check they told me the check was good and would be sent to me. On XX/XX/XXXX I received a letter from them saying the ATM was at fault and I should have deposited the check with a teller. Since it was an ATM deposit I also didn't sign the back of the check as I was told it was not required because the check payee was on my name. I called them a day later and I was told the check was non negotiable because there was no signature on the back and the payee was written by hand by the cashier. Mind you they were only able to confirm the image of the check after I provided them the receipt. After some talking when I requested to be connected to the representatives supervisor I was put on hold for XXXX minutes until the representative told me that they were going to make an " exception '' on my case and the check should be on my hands by at most XXXX business days. He later asked if I still wanted to connect to the supervisor which I answered no because that was my issue dealt with. I waited for the check which I will use to pay of my tuition for a week and after that I contacted them today XX/XX/XXXX to see if they can track the check as it was past a week. The representative I talked told me the check was non negotiable and they couldn't send the check to me and that I was misinformed. I later connected to a supervisor which told me the same thing. I was contacting XXXX XXXX through all of this and they have confirmed the check is still good and negotiable. Chase 's consumer support not only lies to its customers but they have taken my money hostage for a month now just because their ATM 's can't read a check and they can't be bothered to contact XXXX XXXX to confirm that check is indeed negotiable. My school is pressuring me to pay and my status in the XXXX as an international student is at stake if Chase doesn't gives me back my check.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-20
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. (NY)

I am known victim of identity theft. I have reported this information to the credit bureaus already but they do not respond to my correspondence at all. The accounts on the report attached here were not authorized by me as a consumer and are the result of fraud. Please assist me in this matter.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX
Consumer complaint received 2024-05-26
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (MO)

I purchased a XXXX XXXX XXXX from XXXX in XX/XX/year> and applied for the store credit card to receive the promotion of 0 % for 12 months. The purchase total was just under {$1800.00}. I recently received a statement this month with an interest charge of {$590.00} because I was informed this balance was not paid in full by the time the promotion expired. When I called customer service to inquire about the interest charge I was informed if I wanted any of the payments I submitted over the last 12 months to be applied to the promotional balance I needed to call them after submitting a payment to tell them I wanted the payment applied to the promotional balance. I was told I could avoid the interest charge if I paid the promotional balance in full ( {$1000.00} ). I was then informed when a payment is received the payment is applied how they deem fit. I was under the impression the payments I was making over the last 12 months were being applied to the promotional balance since that was the very first purchase made with this card and the reason this card was opened. I have done this with other store credit offers and have never had this experience.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

According to Fair Credit Reporting Act 15 USC 1681 section ( a ) 602 it states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. " XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 ( a ) section 2 states the " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent Any and all consent to XXXX and XXXX and XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked, 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. " XXXX XXXX Never informed me of my right to exercise my nondisclosure option Not only that 15 USC 1681 C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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 " This account is an adverse item they are reporting again without my permission which is again the LAW. 15 U.S Code 1681 s-2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 US Code 1681 e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 c of this title and to limit the furnishing of consumer reports to the purpose listed under section 1681 b of this title. " XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. " I am opting out of your reporting services. ''
Consumer complaint received 2024-05-23
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NC)

I was contacted by Discover in regards to verifying my personal information for their records in XXXX of 2024. I received a call in regards tot his matter, and was unsure of whether the call was a scam or not so I said Id call back. Upon calling Discover, I was advised it was a call from Discover and they did need to verify me. I then completed the verification process. 
Without my knowledge, Discover then was unable to verify my information, and sent an email in regards to me needing to submit more information. I didnt see the email, and Discover later closed the account. I am a XXXX XXXX and my preferred method of contact with anything business related is phone calls due to me not being as active with checking emails due to my multiple XXXX XXXX, XXXX XXXX I never received another call from Discover informing me of their decision like they did with the initial outreach, and after not receiving a call they didnt try a different method of contact. 
I called Discover XX/XX/XXXX after noticing my available balance wasnt reflecting the payments I was making on the account. That was when I was informed of their decision to close my account in XXXX. I asked if it could be reinstated due to me not knowing, they said no. I didnt ignore their request due to lack of proof or documents needed, I just honestly am unable to keep up with emails.
Consumer complaint received 2024-05-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Comerica (VA)

Attempted to make a purchase for {$39.00} and was charged {$260.00}. Immediately called canceled the card and initiated dispute. Was given provisional credit that was taken days later without explanation.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MN)

Hi, I'm reaching out today because it has recently come to my attention that I currently have multiple non-Mailable addresses,3 inaccurate names and multiple inaccurate phone numbers reporting on all 3 of my consumer reports. This is problematic because I no longer associate or receive mail at any of these addresses or use any variation of these names or numbers. This is a direct violation of the Fair Credit Reporting act since the credit reporting agencies XXXX, XXXX, and Experian all have a duty to report accurately in accordance with 15 USC 1681e and are to maintain effective compliance procedures. I am hereby requesting all 3 credit reporting agencies remove the following addresses and names from my consumer report immediately. XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MN 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 2018-09-05
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (AZ)

I have been recently diagnosed with XXXX XXXX, I called XXXX XXXX customer service explaining to them that I will have XXXX and XXXX. I asked if there was anyway if we can lower my payments, since my cosigner is already paying all the household bills. I asked to speak with a manager when customer service said they couldn't help me, they then replied that they couldn't find a manager on hand and that I will receive a call. I still haven't received a call from anyone. I cried twice, first when I was diagnosed and when XXXX XXXX said they couldn't do anything for me.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: A&D Mortgage LLC (MD)

I have a late payment on my credit report from Ad Mortgage after I was told that this wouldn't be reported on my credit report. I also have the voicemail of the representative stating that the information was correct that I provided. I would like for this to be fixed on my credit report.
Consumer complaint received 2024-05-23
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Affirm Holdings, Inc (PA)

XX/XX/XXXXXX/XX/XXXXXXXX keeps sending me emails and that was over XXXX XXXX XXXX. XX/XX/XXXXXXXX keeps sending me mail and it was over XXXX XXXX XXXX. Affirm keeps sending me emails and that was over XXXX XXXX XXXX ; XXXXXX/XX/XXXX was a credit repair card and it still charging me {$70.00} I sent them a dispute XXXX times they never reported to my credit bureau that I sent them a dispute.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

Hi my issue is someone applied for several unauthorized accounts in my name XXXX being one of them rather then treating me like a customer ( victim of identity theft ) /consumer they had sarcasm because I didnt catch it sooner even after I explained what happened with my loosing my mobility and filed all the proper paperwork I just want the issue resolved and off my credit report now because this happened to prevent any in the future I have credit monitoring and put a fraud alert on my credit profile
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCT of the consumer to whom it relates. I NEVER gave any consumer reporting agency the permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the ACCOUNTS, listed IMMEDIATELY!