davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (PA)

XXXX around XXXX - XXXX was stolen ( Some one asked my son to watch social media, then took son 's phone away and ran off. The phone was unlocked, and all son 's login IDs and passwords were stored in XXXX ) XXXX around XXXX - called bank to report the lost debit card and request to freeze the account. 

XXXX around XXXX - claim the XXXX unauthorized XXXX transactions with the bank ( I asked not to complete it because I could see that it was processing. ) XXXX around XXXX - I tried to get the details from bank, The bank claim support representative denied providing the result and asked us to go to the branch to verify my son 's ID-authentication due to lost a phone. 
( since receiving the claim closure notice. The notice letter says that it was not considered fraud. ) XXXX - visited bank. Bank Rep told we dont have anyone available to help us right now, so Ill call you on Friday. Please make a reservation then. We still havent received a return call. 

I want to dispute the claim.
Consumer complaint received 2024-07-12
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

15usc 1692 ( c ) n- if a consumer has notified the debt collector that the consumer refuses to pay a debt, the debt collector must cease all communications.
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XX/XX/year> Transunion led me to believe i had the right to freeze and unfreeze my credit profile at anytime. 
While trying to unfreeze my profile i was informed my identity couldnt be verified so they forward my cal to a rep while speaking with a rep at Transunion i was told i was to answer a couple of security questions which was generated by the computer after the questions they stated i failed and locked me out of my credit profile. 
Transunion now have my credit profile locked where lenders can not extend me the credit i apply for causing a hardship because i am being denied credit due to the freeze on my credit profile.
Consumer complaint received 2024-07-20
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: United PanAm Financial Corp. (IN)

On XX/XX/year> this company illegally reposed a vehicle from one of my properties that they legally have no rights to the vehicle was taken from me via mechanics lien for work I could not afford to pay for. This company accessed my credit report illegally to obtain the address where the vehicle was repossed from. They are not the rightful owners of this vehicle and refuse to return it to the current owner who Im currently having issues with about the vehicle. This state of limitation for this company to collect on this debt has also expired
Consumer complaint received 2024-07-20
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (SC)

To Whom It May Concern, I am writing to formally dispute the debt associated with Affirm that has been attributed to me by Jefferson Capital Systems. I categorically deny any liability for this debt, as I have no contractual agreement with Jefferson Capital Systems. 

Despite my previous request for verification, I have not been provided with the original contract that purportedly binds me to this debt. Until such documentation is presented, I maintain that this debt is invalid. 

I expect an immediate cessation of any collection activities related to this matter and the removal of this debt from my records. Should this issue not be resolved promptly, I will have no choice but to escalate this matter to the appropriate regulatory authorities.
Consumer complaint received 2023-07-03
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 act XXXX Account XXXX  XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. - Account number XXXX Name XXXX XXXX XXXX. Address XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2024-07-20
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (IL)

American Express wrongfully denied my credit card per the deceptive " you canceled too many bank card accounts '' which does not reflect my good credit history and deceptively tries to involve not only credit card history but as if my checking 's and savings are not showing a positive review. 

I was wrongfully denied a credit card where my credit history is good and closing of promotional credit cards with a XXXX balance with other banks is a good thing and not a bad thing. I should be allowed the credit card with this bank where this promotional credit card denial is just a form of a monopoly as if it is the fault of the consumer as to deceptively entice customers as if they should not be shopping for credit cards with competitors after finishing a promotional program with another competitor, but in this case it is the fault of their screening process as to try to discredit the consumer inappropriately for no good reason.
Consumer complaint received 2024-04-17
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. (TX)

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.

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.
Consumer complaint received 2023-11-17
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. (OH)

These bureaus has over 50 hard inquiries to my consumer credit report. These inquires are not tied to any open accounts that I have and I do not recollect any of them. XXXX will not remove any of the inquiries and they are causing me hardship and severe damage to my personal and business life. My home life is grossly effected and causing a great deal of harm to me and my family. This is identity theft and per 15 U.S. Code 1681c-2 they have to be removed. Pursuant to 15 U.S. Code 1681b this is not a permissible
Consumer complaint received 2024-05-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

I am XXXX XXXX XXXX and have had a Citibank credit cards for a very long time. I XXXX  became aware of fraudulent charges and financial elder abuse in the Fall of XXXX when my daughter began helping to manage my finances. When fraud charges were brought to their attention, Citibank fairly quickly investigated the previous XXXX  years of disputed charges and issued temporary, then permanent, credits to my account. 

After doing more online research of my accounts and requesting years of statements dating back to XXXX, in XXXX of XXXX my daughter ( who has Power of Attorney and Administrative Access to my Citibank account ), notified XXXX XXXX via phone and sent individual emails detailing each of the remaining XXXX  years worth of disputed charges including statements and line items of the fraud charges. 

After more than XXXX phone calls spanning XXXX  months, with weeks of patiently waiting in between calls, speaking with dozens of service reps and supervisors, being strung along, waiting another XXXX  months, AND having been given what turned out to be false updates on progress, NOTHING has been done. Nothing. 

As directed, she emailed complete credit card statements with specific lines items and amounts of every disputed charge to XXXX. Then after waiting for weeks and making multiple follow up calls, she was told shed have to send all of the information in email again. Still when she called to follow up, Citibank said they didn't have the emails. 

In XXXX of XXXX, as directed by Citibank, my daughter sent a letter of explanation along with the XXXX  page of each email she sent to XXXX that detailed the disputed charges and requested that a Manager be assigned to help her. ( She included all related complete bank statements with the emails she previously sent. ) To date there has been no response. 

She and I have spend countless hours and over a year and a half trying to get this resolved and Citibank has made us jump through hoops, all of which we have done, and there has been XXXX progress.
Consumer complaint received 2022-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NC)

I hope all is well All three credit bureaus are saying I made heavy use of available revolving credit and this is no longer correct it needs to be taken off and fixed. Im not making heavy use of available revolving credit my debit to income ratio is 13 percent. The remaining balance on non mortgage or installment loans are to high and this is incorrect I dont have a mortgage or no installment loans this needs to be removed as well and reflect correctly.
Consumer complaint received 2024-06-20
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. (NY)

On XX/XX/XXXX I was contacted by XXXX at XXXXXXXX XXXX XXXX asking if I had applied for a car loan. I had not done so. XXXX suggested that I put a credit freeze on all three of the credit bureaus, which I did. I requested information from TransUnion on who had looked up my credit information and found the following attempted fraud on my account ; XXXX XXXX XXXXXXXX XXXX called me XXXX XXXXXXXX No answer, no mailbox XXXX XXXX XXXXXXXX My carrier, XXXX can not complete the call XXXX XXXX XXXXXXXX I dont have an account, so the auto attendant hung up on me XXXX XXXX  XXXX XXXX My carrier XXXX XXXX can not complete the call XXXX XXXX Worked with XXXX and XXXX XXXX deny the attempted fraud. 

XXXX XXXX Talked to XXXX about how the caller who claimed to be me had an apparent XXXX accent. 

It seems to me that this may be an attempt to wire down payment money to a dealer, ask for a refund, and then the dealer finds out later that the wire transfer was not properly funded.
Consumer complaint received 2024-06-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (PR)

This company is reported to the credit agencies XXXX  and XXXX and tried to collect an XXXX XXXX XXXX debt, violating my rights and the fair credit law .under the fair credit reporting act, agencies can not report a debt that is more than XXXX XXXX XXXX
Consumer complaint received 2024-07-18
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: OneMain Finance Corporation (NY)

I am writing to dispute the following information in my credit file. The items I am disputing have been circled on my enclosed credit report. 

I have never applied for XXXX. It is inaccurate because I have never had XXXX filed. I am requesting that this item be deleted to correct my file-15 U.S. Code 1602 ( p ).

Please investigate these matters and delete the disputed item as soon as possible. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-19
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: JPMORGAN CHASE & CO. (GA)

I am formally requesting the deletion of these unauthorized items from my credit report. It is imperative that these inaccuracies are rectified as soon as possible, as they are having a detrimental effect on my creditworthiness. Please consider this letter as my third attempt to resolve this matter. I urge you to take immediate action to investigate and remove these discrepancies from my credit report. I am willing to cooperate fully with any investigation conducted by your organization or by the Federal Trade Commission ( FTC ) to resolve this issue promptly. I trust that you will handle this matter with the urgency it deserves and provide me with confirmation of the actions taken to rectify these errors.
Consumer complaint received 2023-11-06
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. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NJ)

Someone broke in to my XXXX account. There were XXXX different charges that I didnt recognized. I called my bank which is JP Morgan Chase to let them know they were not my charges. They put the money back into my account on XX/XX/XXXX. I went into my checking account on XX/XX/XXXX and saw that they took the money back with no explanation. I personally went to the bank that day to inquire as to why they took the money back. They told me that I had bought from this place before I recall they said it was XXXX it was called XXXX. I said I have no dealings with that company. They gave me that money back and told me to go over all my charges from the beginning of XXXX. I did and that charge and the XXXX other charges which are the following were not my charges XX/XX/XXXX - XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX If I bought off this company why is there XXXX different names. I have never received any merchandise from the above nor do I know who they are. I think it is disgraceful the way people get away with stuff and the bank cant help you. I called the bank again a few days later and told them I want to open the incident up again since then I have not heard or gotten a letter from them. 
XXXX also put a hold on my account for suspicious activity.
Consumer complaint received 2022-12-03
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. (SC)

I received a copy of all three reporting agency and noticed that they are not accurate all three have different information also some collections agency have been calling and violating my right under the act 15 U.S.C Sec. 1681i ( a ) i would like these collections DELETED and all three reporting agency accurate. I have previously requested that you investigate this information, and now my credit is being damaged i also would like all HARD INQURIES DELETED please update info. 
XXXX XXXX XXXX  Original creditor XXXX XXXX. 
Balance {$1700.00} Balance updated XX/XX/2022 XXXX XXXX XXXX  Original creditor XXXX XXXX  Balance {$1900.00} Balance updated XX/XX/2022 2022
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove this fraudulent account from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to REMOVE any account listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00}.
Consumer complaint received 2024-07-09
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MO)

I received an Amex XXXX XXXX. This includes an email You have received an American Express XXXX XXXX from XXXX. And on there I clicked the link to validate and print the card, which loads on XXXX XXXX XXXX XXXX XXXX and shows a balance. I attempt to use this on XXXX ( using {$1.00} less than the face value of the card ). And the transaction is declined. I then tried again with various other amounts less than the full face value. Many people have reported having this problem starting this past year.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2024 Transunion allowed a duplicitous debt collection company named XXXX XXXX XXXX to put a derogatory report on my credit report. XXXX XXXX XXXX are known for being dishonorable and crooked. I don't even know how they got my social security number because I never had any dealings with them. I paid the debt off with the original " XXXX XXXX XXXX XXXX XXXX '' so XXXX XXXX XXXX should not be on my credit report in any way.
Consumer complaint received 2024-06-12
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: FISERV INC. (VA)

On XX/XX/year>, I went to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, VA XXXX to send money through XXXX XXXX XXXX XXXX. The attendant instead of XXXX  XXXX XXXX XXXX used Check free pay to send the money into my XXXX XXXX  XXXX account. After few days of realizing that the payment did not reflect on my Mortgage loan account with XXXX I started calling. I called XXXX XXXX  and I was told the money sent on XX/XX/year> was blocked on XX/XX/year> from being deposited to my mortgage loan account, because XXXX will never receive money from Check free Pay. This has been the situation and many of XXXX customer had fall into this situation which should have caused Check Free Pay to remove XXXX from the list of organizations they transact with. 
XXXX XXXX  did not accept the payment, so I reached out to Check Free Pay for the refund of the money but to my surprise, Check free said the money is not with them. This is putting me in a very serious situation that may affect my credit if the money is not available on time to make the Mortgage payment. According from XXXX, this is not the first time they block transaction from Check free Pay, it has happened to thousands of their customer where Check free would not refund money on time to the customer in order to meet up with their mortgage payment. 
I want Check free to refund the money as soon as possible so that I can make the Mortgage payment. 
I can provide the Transfer #, Amount, and XXXX XXXX account upon request at will. 

Thank you
Consumer complaint received 2024-05-16
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MO)

I received an Amex eGift Card. This includes an email You have received an American Express eGift Card from XXXX. And on there I clicked the link to validate and print the card, which loads on https : //balance.amexgiftcard.com/ # /account and shows a balance. I attempt to use this on XXXX ( using {$1.00} less than the face value of the card ). And the transaction is declined. I then tried again with various other amounts less than the full face value. 

Many people have reported having this problem starting this past year.
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

For the last 6-7 months, I have disputed several accounts on my credit reports that are reporting inaccurately with the credit bureaus and the companies. To date, the following accounts have not been verified or corrected and I have requested proof of how the accounts were verified : 1. XXXX XXXX XXXX Account number XXXX XXXX. XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX  Account number XXXX XXXX. XXXX XXXX Account number. XXXX I have tremendously suffered for the negative adverse actions, which has even included being terminated from my job! Due to the Inaccurate reporting and the accounts never being late, I am requesting they be immediately deleted per 15 USC 1681 # 2 Exclusions.