davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-06
Product: Credit card — Store credit 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: BARCLAYS BANK DELAWARE (KY)

I purchased over XXXX of costume jewelry from XXXX using the Gap Barclay card. They had sent me an email initially to get me to shop w/them for XXXX off the order. The promo code did not work, I emailed them and they refunded the XXXX honoring the promo code so the total then was XXXX ... .then the jewelry came and half of it was not what the listings had shown ... ..I did not like it and they said no we will not provide a shipping label we dont do refunds, sorry about our listing, but no refund. Contacted Barclay to do a dispute, they put it in over the phone and yesterday they called and said well you got a XXXX refund from them ... .i explained what that was from which had nothing to do with the dispute and the Barclay Manager informed me that the dispute was starting from XX/XX/XXXX and it would be another 45 days and they are waiting on the XXXX  to decide what will take place and that after all they had given me XXXX ... ..no matter what I reexplained over and over again she just kept making sound like it was up to the XXXX  ( which has already made it clear that they were not refunding and dont want the jewelry back, which is why I even filed a dispute in the first place! ) to get back with them and it would be another 45 days. I filed the dispute on XX/XX/XXXX
Consumer complaint received 2023-12-26
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 would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-26
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to dispute and request corrections to the inaccurate information on my credit report. It has come to my attention that there are errors in the reporting of certain accounts, and I kindly request a thorough investigation and rectification of these issues XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I was the victim in this situation, and I am perplexed as to why this credit bureau is not complying with the law, especially considering that other bureaus have followed suit in correcting these inaccuracies. I expect a thorough investigation into these matters and prompt corrective actions. Please provide me with written confirmation of the results of your investigation.
Consumer complaint received 2023-12-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to express my extreme frustration and concern regarding a critical matter that demands your immediate attention. It has come to my notice that there are instances of identity theft on my credit report, and I demand that you take swift action to rectify this situation without any further delay. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 

Upon recent scrutiny of my credit report, I discovered fraudulent entries that are severely impacting my credit score. It is absolutely unacceptable that such inaccuracies persist on my credit profile, jeopardizing my financial well-being. I have attached a copy of my credit report highlighting the fraudulent items for your reference. 

Identity theft is a serious violation, and I expect TransUnion, as a reputable credit bureau, to address this matter with the urgency and severity it deserves. The fraudulent entries include : XXXX XXXX XXXX XXXXXXXX - XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXXXXXX XXXX - XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I demand the immediate removal and deletion of these fraudulent entries from my credit report. This is not only a breach of my financial security but also a violation of the trust I place in TransUnion to maintain accurate and secure credit information. I have taken steps to report this identity theft to the relevant authorities, and I expect your full cooperation in expediting the investigation and resolution of this matter. 

Failure to comply with this request will leave me with no choice but to explore legal avenues to protect my rights.
Consumer complaint received 2024-03-27
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Experian Information Solutions Inc. (MI)

I did a legal name change. 

My name was XXXX XXXX XXXX. It has been legally updated to XXXX XXXX XXXX XXXX I've been trying to get this updated with no luck.
Consumer complaint received 2023-04-28
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: EQUIFAX, INC. (MD)

My XXXX Credit Card shows twicw on my Equifax credt report. It shows for XXXX, XXXX and for XXXX, XXXX.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (GA)

I have disputed these accounts with this company and told them I was deemed XXXX and my accounts were supposed to be zeroed out because I was paying an additional fee each both on my accounts to protect me if I loss y job or became XXXX. I told this company I am I litigation with the company and the insurance and those accounts with the are not valid. This company, MCM, stated they were processing a dispute and the accounts are still on my credit and they are fraudulently posing as lawyers and threatening me.
Consumer complaint received 2023-08-06
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. (FL)

In accordance with the Fair Credit Reporting everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigated but how is that possible if the account numbers are inaccurate. This ground for removal theyve 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 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions Bankruptcy shows different on all XXXX credit reports : Please see screenshots attached XXXX : XXXX BANKRUPTCY COURT-XXXX XXXX Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts Previously Disputed via XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX Also, the Credit Bureaus took more than 30 days to complete my investigation and also update my personal information such as my last name due to getting married, mailing address and employer. Here are the tracking XXXX tracking numbers. XXXX XXXX, Experian XXXX, XXXX XXXX My name changed from XXXX XXXX XXXX to XXXX XXXX XXXX. Ive attached my marriage license. In my dispute to have the information updated the credit bureaus has yet to update my name and still have my previous last name XXXX XXXX of which my maiden name XXXX was restored by the XXXX XX/XX/2009. XXXX is still showing on my credit report. Lastly my only address should be XXXX XXXX XXXX XXXX, Florida XXXX and not all of the others of which I sent in a written dispute to have my current address updated and all outdated/unknown address removed. Since my dispute the credit bureaus has added XXXX additional address and have failed to update my address. Please see the attached screenshots showing proof of delivery of disputes via US Mail.
Consumer complaint received 2024-05-09
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am writing to dispute the late payment entries on my Bank of America credit card account, as reported on my credit report. The details of the account in question are as follows : Creditor : Bank of America Account XXXX : XXXX XXXX XXXX XXXX : Account Type : Revolving account Account Status : Open Monthly Payment : {$120.00} Date Opened : XX/XX/XXXX Balance : {$2600.00} High Credit : {$3000.00} Credit Limit : {$2800.00} Payment Status : Paid or paying as agreed Last Reported : XX/XX/XXXX XXXX : Account Type : Credit Card Account Status : Open Monthly Payment : {$120.00} Date Opened : XX/XX/XXXX Balance : {$2600.00} High Credit : {$3000.00} XXXX XXXX : {$2800.00} Payment Status : Current, was past due 60 days Last Reported : XX/XX/XXXX XXXX : Account Type : Revolving Account Status : Open Monthly Payment : {$120.00} Date Opened : XX/XX/XXXX Balance : {$2600.00} High Credit : {$3000.00} XXXX XXXX : {$2800.00} Payment Status : Pays account as agreed Last Reported : XX/XX/XXXX I acknowledge that there were late payments on my Bank of America credit card account in the past. However, I want to bring to your attention that I have since caught up on all payments and have not missed any payments thereafter. 

I take my financial responsibilities seriously, and I have made significant efforts to rectify any past delinquencies. I have established a consistent payment schedule and have been diligently making payments on time to maintain a positive credit history. 

Please investigate this dispute and provide me with written documentation of the results. I appreciate your attention to this request and look forward to a prompt resolution.
Consumer complaint received 2023-12-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite my efforts and the escalation of this matter, the erroneous account remains on my credit report. This situation has caused significant distress and financial harm. Furthermore, I recently discovered the sudden appearance of Fraudulent Account on my credit report, which was not reported by other credit bureaus. I am puzzled as to how such unverified information has stained my credit report when other bureaus have not reported the same account. This inconsistency raises questions about the accuracy and reliability of the information on my credit report under your supervision. I was the victim and XXXX not sure why the XXXX is not complying with the law. The other bureaus have followed suit. XXXX very confused why this one seems to ignore my requests. Despite repeated attempts to rectify this situation, I continue to encounter challenges, and I urgently seek your assistance in resolving these issues. 
XXXX XXXX XXXX PLEASE DELETE!!!! XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
I demand that you conduct a thorough and expedited investigation into Fraudulent Account. Given the seriousness of these matters and the potential harm to my financial standing, I request the immediate deletion of these fraudulent accounts from my credit report.
Consumer complaint received 2023-12-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (WV)

We have filed complaint after complaints with the Cfpb. I have sent documentation after documentations. Every time I show that Wells Fargo has lied and still is lying. I sent in XXXX XXXX recites One in 2007 literally I had already said I paid. 
The simple fact is from time we started payments they were already stealing r them. They have been fined for exactly what I have sent in as proof! When will the cfpb actually hold wells Fargo responsible for the years and years of blatant fraud? I have shown payments from my bank and XXXX XXXX. Every complaint has stated they only can go back 7 year!!! 
Now shes telling me she needs bank statements from 2007?? Literally the XXXX XXXX recorrds as to where our ez payments where. To be told wrong number. Its XXXX XXXX and white! When do we Wv get any help from the cfpb?
Consumer complaint received 2024-03-29
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: Experian Information Solutions Inc. (IL)

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. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN.
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

10 POTENTIALLY NEGATIVE MONTHS Balance details 0 % paid off Balance {$58000.00} Balance updated XXXX XXXX, XXXX Original balance {$47000.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX Account type Auto Loan Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAYMENT HISTORY LEGEND Status Repossession. {$57000.00} written off. {$10000.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Past due amount {$10000.00} Original balance {$47000.00} Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 72 Months
Consumer complaint received 2023-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (CA)

Hi I have issues with XXXX  XXXX XXXX XXXX XXXX  and Chase i tried to apply for credit cards but found out there were fraudulent debit cards or attempts of opening cards under my name and now they dont approve me credit cards because it looked bad under my name I never ever had anything to do with these companies if they had previous applications under my name it was due to fraud
Consumer complaint received 2023-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (DC)

I was affected by the XX/XX/23 ACH error that caused direct deposits not to post. I reached out to the bank on XX/XX/23 and XX/XX/23. Both days I was told that there was nothing that needed to be done on my or my employer 's part and they expected to have the issue resolved by the end of the business day on XX/XX/23. I asked if they were XXXX percent sure there was nothing my employer needed to do, and they responded, " Yes. '' I called this morning ( XX/XX/23 ) and was told my employer would need to resubmit the payment, after being told otherwise the previous two days. I insisted that they credit my account for the amount of the deposit which I was willing to verify with a digital paystub. They refused. 

Throughout this entire process, I haven't receive one email, phone call, or notification in my account portal regarding the issue. I had to reach out proactively, and they gave me incorrect information about what needed to be done to resolve the issue. I still haven't received my payment, and due to the bank holiday on XX/XX/23, I have no reason to expect my deposit will post before Monday, XX/XX/23. 

JPMorganChase has spent more energy evading accountability for the human error at XXXX ( which they partially own ) than working to resolve this disruption to consumers ' lives. If I had been contacted or, at the very least, received accurate information when I contacted them on XX/XX/23 and XX/XX/23, this could have been resolved by now. 

The ACH error is unacceptable, but it is not my primary complaint. JPMorganChase 's response to issue has been completely inept, flat-footed, and dismissive. They have been sure to highlight that *only* 1 % of deposits were affected. Since this was such an inconsequential number of customers, they should've had a process ready to temporarily credit customers during this extended and ongoing failure to meet their obligations. They should also have fund available to compensate consumers, like me, who have had their ability to meet their obligations undermined by this error and the inept response in the days following. 

If nothing else, I hope the CFPB can put in place policies to prevent consumers from experiencing what I have and hold banks and clearing houses accountable in they same way they hold consumers accountable for late payments.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (MI)

There was an alleged check that was returned. There was no check written by me nor authorized by me. There was no duplicate copy of a check what was allegedly returned.There are three different accounts numbers with my name on them, yet the Company claims that can't find them. The Company since sent my account to a Debt Collection Company as well as the Three Credit Bureaus stating the I've been delinquent in my payments. I have copies of their statement showing proof of all items that I actually purchased which doesn't come close to what they reported. I did file a Fraud Police Report.
Consumer complaint received 2023-04-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (KS)

I started a purchase on Paypal and tried to cancel it, as I became concerned that the site was fraudulent. Even though I tried to cancel, it went through. I tried to contact the seller with no success. I did not receive an invoice or receipt showing that I had actually ordered my item, but the money was set to come out anyway. I contacted Paypal and informed them immediately so they could stop the transaction but they said they had to wait XXXXdays. I then submitted a dispute and they said it could be up to XX/XX/XXXX before I would have an answer. I just checked recently and found out they immediately closed the dispute saying the money was paid to the seller. I am no longer able to open this claim or ask for it to be reopened. I tried clicking on the message seller button and it says " you're unable to send this user a message ''. This user is a scammer and they took the money but didn't send anything. Paypal didn't even give me a chance to really dispute it before saying the seller got the money as requested and closing the case.
Consumer complaint received 2023-04-28
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Harley Davidson Financial Services Inc (NM)

I am 3 days late on my loan and harley Davidson financial had called me over 15 times in the past three days. H I have requested all contact to be written and mailed to me and they refuse and continue to call.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account number XXXX, XXXX XXXX XXXX I Account number XXXX, XXXX XXXX XXXX I Account number XXXX XXXX Account number XXXX, XXXX, Account number XXXX, XXXX XXXX XXXX XXXX Account number Account number XXXX. 
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 seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) 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.