davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I CAN NOT BELIEVE HOW XXXX STUPID PEOPLE AT TRANSUNION CAN BE. 

THE ORIGINAL PROBLEM IS A CHRONIC ONE -- EACH TIME I RETURN TO THEIR SITE MY PASSWORD DOES NOT WORK AND THIS LAST TIME I COULD NOT EVEN CHANGE THE XXXX THING. 

AFTER I MADE A COMPLAINT HERE, THESE BOZOS EMAILED -- YES, EMAILED -- A PASSWORD THEY CREATED TO ME ( I HAVE THE EMAIL ) THEY CREATED THIS, THEY JUST SENT IT BY EMAIL, NO EFFORT TO ENCRYPT IT, DISGUISE IT, NOTHING. 

THIS JUST SHOWS 1 ) HOW THEY FAIL TO TAKE ANY PROBLEM THEY CREATE SERIOUSLY. THESE PEOPLE VIOLATED MY PRIVACY, THEY ENDANGERED MY PRIVACY AND THEY SHOW THEY ARE SO CAVALIER ABOUT THEIR STUPID WEBSITE AND ITS FAILURES. I GUARANTEE YOU, I HAVE MANY PASSWORDS AND EACH TIME I NEED TO USE THEM, THEY WORK UNTIL I UPDATE THEM. 

THESE ARROGANT AND STUPID PEOPLE AT TRANSUNION EITHER THINK I AM STUPID OR THEY ARE STUPID BECAUSE NOBODY WHO HAS ANY COMMON SENSE ABOUT THE INTERNET AND EMAIL WOULD EVER EVER EVER JUST EMAIL A PASSWORD WHICH ANYONE CAN SEE OR GET AND LET 'S BE REAL, IT IS THE MOST INSECURE WAY TO SEND INFORMATION. 
THEN, TO ADD INSULT TO INJURY, THE STUPID TRANSUNION PEOPLE BLEW ME OFF WHEN I TOLD THEM I DID NOT GIVE XXXX  XXXX PERMISSION TO MAKE AN INQUIRY ON MY CREDIT REPORT. YES I DID GIVE XXXX  PERMISSION, YES I DID GIVE XXXX BUT ONLY TWO AND THESE TRANSUNION PEOPLE JUST BLEW ME OFF AND SAID GO TO THE POLICE. WHAT THE XXXX IS WRONG WITH THEM? 
I WANT THAT OFF MY CREDIT REPORT AND ANY PENALTY OR DROP IN SCORES DUE TO THAT BE REVERSED. I DO NOT SEE XXXX XXXX ON ANY OF THE OTHERS. AND IN FACT, THE OTHER TWO ARE SOOOOOOOOOOO MUCH EASIER TO WORK WITH. 
I HAVE MY PASSWORDS I KEEP SAFE, I LIVE ALONE, AND UNLESS MY CAT IS INTERESTED IN MY CREDIT REPORTS, NO ONE HAS ACCESS. 
THIS HAS SO ANGERED ME NOT ONLY THEIR ATTITUDE OF BLOWING OFF PEOPLE, THEIR LAX PROTECTION OF MY CREDIT REPORT BUT TO EMAIL ME EMAIL ME A PASS WORD. THIS SHOWS THEY THINK THIS TO BE OH SO BOTHERSOME TO THEM WHEN THEY SHOULD BE SERIOUSLY CONCERNED ABOUT WHY THEIR XXXX WEBSITE CONSTANTLY HAS A PROBLEM WITH KEEPING THE PASSWORDS OKAY OR WONDER WHY THEY DO NOT WORK. 
EITHER SOMEONE ALWAYS TRIES TO HACK THESE PEOPLE AND THE PASSWORDS STOP WORKING OR SOMETHING ELSE IS WRONG AND SENDING ME A PASSWORD XXXX EMAIL IS BEYOND STUPID. 
WHAT IF I COULD NOT GET TO MY EMAIL FOR A FEW DAYS? 
WHAT IF SOMEONE ELSE SHARED THIS EMAIL OR GOT INTO IT? 
I WANT 1 ) THE HIT ON MY CREDIT REPORT FROM XXXX XXXX REMOVED AS I WOULD NEVER ASK THEM FOR CREDIT IN A MILLION YEARS AND 2 ) TRANSUNION PUNISHED FOR THEIR LAX ATTITUDE TOWARD MY PRIVACY. IF THEY DO IT TO ME, THEY DO IT TO OTHERS.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent ACCOUNT from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any ACCOUNT listed in Identity Theft. Once again HERE ARE THE LIST OF ACCOUNT THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX
Consumer complaint received 2024-01-10
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. (AZ)

I received a copy of my credit report and noticed some hard inquires that I don't recognize XXXX XXXX XXXX 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 2023-05-13
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/2023, I submitted a dispute with XXXX regarding XXXX. However, it has been well over 30 days and I have yet to receive a response from XXXX regarding my dispute. This delay is causing me undue hardship and is hindering my ability to reach my financial goals. As a result of this delay, I have been unable to secure the financing necessary to start my business. This has been a major setback for me and has caused significant stress and frustration. I urge XXXX to comply with the Fair Credit Reporting Act and respond to my dispute in a timely manner. I am requesting that XXXX provide me with a written explanation of the investigation and resolution of my dispute within 15 days of receipt of this letter. Additionally, I request that any inaccuracies be removed from my credit report immediately. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX
Consumer complaint received 2024-04-22
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. (NY)

By the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15U.S.C 1681. 

XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXXXXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX 15 U.S.C. 1681 Section 602A states that I have the right to privacy.

15 U.S.C .1681 Section 2 604A states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. Section ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than records of convictions for crimes that antedate 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 2024-04-24
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Aargon Agency, Inc. ()

It is a medical bill that was not my responsibility to pay, my company I work for had to pay it and didn't. the account is from AARRGON AGENCY INC balance of {$38000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX This is another account that my company had to pay along with the aforementioned. 
XXXX XXXX balance of {$1900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX
Consumer complaint received 2023-04-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ALLY FINANCIAL INC. (FL)

Regarding previous complaint XXXX in regards to your response : An apology is accepted however I was affected by it, by ally banks employees mistakes, I was affected economically directly. 
The informantion about the type of income should have been Disclosed at the begining of the application process, it was ally mistake that didnt get done. 
1 ) What laws did ally bank broke by not disclosing that Info? 
2 ) when was this change on type of income made? And can you provide documentation about your updated policy.? 
Id like to check that I am not being discriminated so that would avoid any time of believe that I was. 
3 ) I believe and most people would that there should be a settlement from ally bank to me regarding this issue, I was affected economically and I believe it is fair. 
I rather have an agreement than having to escalate this issue to an upper authority cause that would save us both time and info that would be public due to having the issue escalated. 
I recently received a phone call from your bank indicating somebody will contact me in regards to this issue. I was contacted because I fill out a survey indicating how I felt about the bank. Thats the reason I was contacted.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I have reviewed my consumer reports and noticed that I had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts I have included a screenshot inside this complaint on the dates of ( XX/XX/XXXX and XX/XX/XXXX for XXXX XXXX ), and ( XX/XX/XXXX for XXXX XXXX ). Please investigate and provide proof with statements showing that these payments were late. if proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see the screenshot attached :
Consumer complaint received 2024-05-17
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. (IL)

I rented a car through XXXX at XXXX XXXX in XXXX, I returned the car as normal in the condition it was rented to me in, it was checked over and all was fine. I received my invoice for the agreed amount plus a fuel surcharge and thought all looked normal ; a while later they tried to charge me nearly {$1000.00} ( XXXX ) for damage they claim I inflicted to an area of the vehicle I never touched ; the storage area of the spare tire which I didnt even know existed. I looked up many XXXX reviews and discovered this is a scam that have been running, as many people had similar experiences. I of course contacted XXXX and XXXX to no avail. So I disputed the charge through Chase bank. I listed it as a fraudulent charge because to me thats what it was, Chase took over 2 months to process this and re-bill me saying it wasnt their version of fraud and I would need to re-submit my dispute. I did exactly as I was prompted by a Chase dispute specialist in the most timely manner allowed by Chases hours, only to be told weeks later it is too late to submit a dispute on this charge and there is nothing they will do to help me. Chases slow processing times are to no fault of my own and I should not be punished for it, they should be protecting me as is their job to do after 15+ years of banking with them.
Consumer complaint received 2024-01-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (NY)

Hi, I had my AAdvantage Aviator credit card ( ending in XXXX ) for a year and I was charged an annual fee of {$99.00} on XX/XX/XXXX. Since I wasn't using the card or XXXX XXXX as much as I thought, I decided to close the card to avoid the annual fee. I called customer service at ( XXXX ) XXXX on XX/XX/XXXX at XXXX to close the account in a call that lasted 9 minutes. However, my account was not closed and {$99.00} was taken from my bank account on XX/XX/XXXX. I noticed this and called the same customer service number on XX/XX/XXXX at XXXX in a call that lasted 5 minutes. I was assured the annual fee would be returned and to be patient. I called in on XX/XX/XXXX to check again and I was told I did not cancel my card until XX/XX/XXXX, which was more than 60 days after the annual fee was charged on XX/XX/XXXX. The customer service representative told me they have no record of my call on XX/XX/XXXX. I have a record of that call on my phone ( screenshot attached ) and there would have been no other reason for me to call customer service except to close the card. Thank you
Consumer complaint received 2023-04-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Foris DAX, Inc. (SC)

On my crypto.com account I converted ada coins to US Dollars. I then attempted to withdraw the money and transfer it to my account at XXXX XXXX. The transfer failed repeatedly stating authentication is incompatible. 

I contacted crypto.com support and was told to open another account at a different bank. I opened another account at XXXX and the new transfer failed again stating another incompatiblity exists. 

It is clear crypto.com has a serious problem and they refuse to address and accept responsibility to fix it. I requested the money to be sent to me by mail and the account closed. They informed ne they are not able to return the funds thar way.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

The following accounts do not belong to me they are fraud. I am a victim of identity theft my info was on the dark web and other breaches. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately.

I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them. I also request that an immediate block be placed on all these fraudulent accounts and blocked from any future reporting i have provided my ftc affidavit for your review.

2. 1. Validation of the debt-that is the actual accounting.

3.

4. Verification of signed Invoice.

5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered.

6. Please provide the original docurse and wet signature if you can't provide these items Delete them. 

Below is the items that need to be blocked from current and future reporting and deleted immediately. 

XXXX XXXX XXXX accnt num XXXX XXXX XXXX XXXX balance XXXX XXXX all other fraud inquiries that are on the report.
Consumer complaint received 2023-05-03
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. (GA)

When I sent a copy of the FTC report, it took some time to learn that the credit bureaus are not obstructing records. Since it is required by FCRA regulation 605b, I'm sending this complaint to help with organizing a legal response. If you choose not to stop the other items listed below that are responding falsely as a result of fraud. The following items need to be deleted from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023.
Consumer complaint received 2024-01-07
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. (AL)

There are several unauthorized inquiries on my credit report, please DELETE the following inquires. I did not authorize these inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-07
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. (AL)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX, XXXX Account # 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 a account without my written instructions
Consumer complaint received 2024-01-07
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. (AL)

There are several inquiries that are unauthorized in my credit report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Per code 15 USC 1681 b & 15 USC 1681s-2 Us 242 You Must follow the law as it has been put in place to protect the consumer which I am. Honor my request this has been my second attempt Ive lost thousands of dollars paid high interest rates aggravating headaches stress and loss time this is my last attempt if this isnt COMPLETED AS SUCH I WILL MOVE TO LITIGATION!!! Also its illegal to freeze a consumer account you have been put on notice
Consumer complaint received 2024-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Holding a deposit for 5 business days is enriching the bank. They have the funds in 24 hours and are sitting on it and are making at least Fed funds at 5.25 % They should pay interest on the use of the funds if they are worried about fraud. 

Why 5 days instead of 2 days versus 30 days seems random and in the banks favor. 

They have held my $ XXXX deposit from my moms estate for 5 days. Seems excessive
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (TX)

On XX/XX/2023 I filed a dispute with the credit bureaus XXXX, Equifax and XXXX for late payments that are showing on my credit report. I stated several consumer laws that I believe to be relevant pertaining to my dispute. Late payments are considered to be a transaction and can not be reported on my consumer report without written consent from myself. I demanded they be removed because transactions can not be reported on a consumer report per FCRA REGULATIONS.
Consumer complaint received 2016-12-01
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Posh RE Mortgage corporation (CA)

I was working with American Quest Home Loans to refinance my home in XXXX XXXX, California. After a lengthy process which involved numerous lock extensions and constant hassle, I expressed my dissatisfaction with the company and informed them that I no longer wished to go through with the loan because the fees were too high for a simple refinance. I was in the process of shopping for another company when I began to receive numerous telephone calls from another loan officer with their company. The man appeared to be friendly and courteous and assured me that he could get the deal done. I was still dissatisfied with how much the loan cost until I received an email from this man promising me that they would pay me {$5500.00} at the close of escrow which was to come out of their commissions. I relied on this representation by this man and signed the loan documents believing that I would receive {$5500.00} after all was said and done. After the close of escrow I received a check for only {$1700.00}. I have made numerous attempts to resolve this matter to no avail. To this day, the outstanding {$3700.00} has not been paid to me.
Consumer complaint received 2024-05-17
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. (VA)

I received a purchase from a restaurant, I did not have any purchasing relationship with them, I made the dispute in XX/XX/2023 and Macy 's took 3 months to make the dispute and they continue to charge me for this purchase and the interest, after those 3 months they have no information They closed the claim and today I opened this claim again and they say that I must wait 3 months again, I have never bought anything in this restaurant XXXXXXXX XXXX XXXX XXXX XXXX XXXX macys XXXX XXXX XXXX {$280.00}
Consumer complaint received 2024-05-17
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: AMERICAN EXPRESS COMPANY (FL)

Below copy of the letter to Amex : American Express XXXX XXXX, XXXX XXXX XXXX XXXX. 
XXXX XXXX, NY United States XXXX To Whom it may concern, dispute XXXX : Hello, Here is my statement regarding dispute XXXX for {$260.00} charged at XXXX Below are the supporting documents that you sent. You can see there are two traffic/parking violation tickets issued by authorized companies, such as XXXX ( page 3 ) and XXXX XXXX XXXX XXXX ( page 6 ). These two tickets and charges are valid, I am not disputing it. These tickets have unique Ref. number, date, and time. Also, it has a photo of the violation. Most importantly, its issued by an authorized company ( not the rental company or debt collection agency as a third charge ). 
Please see page 9 as a supporting document for the third charge. This is not a violation ticket, its a collection letter from XXXX ( XXXX XXXX XXXX ). This company is not authorized to issue parking violation tickets ; its just a collection agency. Until now XXXX does not provide an actual parking violation ticket for this charge as on pages 3 and 6. Their invoice has the same REF number XXXX, same date XX/XX/23 and same address XXXX XXXX XXXX, XXXX as ticket number one on page 3. 
To find all this easier, I marked below by yellow color. 
When XXXX received the first ticket ( page 3 ), they charged me XXXX pounds, but they did not send the payment to XXXX, who issued this ticket. After a few months of not receiving payment, XXXX sold this case to XXXX ( page 9 ). XXXX sent an invoice for the same ticket to XXXX, but a bigger amount ( because of payment delay ), and then XXXX charged me XXXX pounds for the same ticket with REF XXXX. 
All these documents are so obvious ; I dont know why Amex makes decisions without having ACTUAL parking violation tickets, but based on some collection letter. Please ask XXXX to provide an actual parking ticket for a XXXX pounds charge before you close the dispute. 


Best regards, XXXX