davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMIsSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXXXXXX 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 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 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 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 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 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 


According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-07-07
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. (NC)

In accordance to the fair credit reporting act. Then account listed below, have violated my federally protected customer rights to privacy and confidentiality under 15 USC 1681. 
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 Has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without a written instruction.

15 USC 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 items of information other than records of conviction of crimes which antedated the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) a person may not furnish any information related 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 2023-07-07
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: Credence Resource Management, LLC (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are in direct violation of the fair credit reporting act Credence Resource Management. XXXX, has violated servals of my right. 

15 U.S.C 1681 Section 602 A. Clearly states that 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 consents or instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open -and consumer credit plan as late for any purpose.
Consumer complaint received 2024-04-29
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I went through a financially tragic moment and as a result, I missed several payments. I would like to tell my story, I am XXXX and I started my life here in the United States almost XXXX years ago and I had no idea how everything worked here, after a while living here I opened some bank accounts and XXXX credit cards, at the time of my late payment I had a XXXX XXXX XXXXXXXX credit card, a capital one card and another one I opened a business credit card with capital one too but each card works differently and I didn't know that, so when my business card arrived, I was moving from XXXX to XXXX, that's where I spent a little more than I should have on my card and I thought I could just pay the minimum the next month, but when the invoice arrived I needed to pay the full amount of the invoice, so no I had money at that moment to pay in full, so I started making payments as best I could until I could bring some money from XXXX to pay the amount in full, as I was changing address I had a problem with my account in XXXX at the same time, so it took a while for me to get organized and I ended up with late payments on my credit report. I only have late payments with this company and I am a great payer. My wife and I are looking to buy our first own house but with low credit we are having problems. 
According to the law I have my right to dispute what I consider unfair, even though there are errors in my information. I'm still not recognizing my last XXXX social security number and I consider it unfair that I tried to communicate with banking institution representatives on several occasions by phone, email and certified mail, I would have my payments made on time if this had never happened, now reflecting an unfair credit report from me, and this is affecting my reputation. 

Late payments : 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 2023-07-07
Product: Credit reporting, credit repair services, 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. (NH)

On XX/XX/2023, XXXX XXXX XXXX checked my Experian credit file for an installment loan or new bank account. 

I do not have anything to do with this company. I have not applied for a new credit card, nor an installment loan, and have not tried to open a new bank account. I suspect fraud. 

I tried to contact XXXX, but the phone number just rings busy. I tried calling many times. 

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. 
XXXX, NH XXXX XXXX
Consumer complaint received 2023-05-28
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: Experian Information Solutions Inc. (NJ)

XX/XX/2023 Ive called ( experien ) credit reporting agency.. well as ( XXXX ) credit reporting agency well as ( XXXX  ) credit reporting agency Ive sent my drivers license social security card a bill from my home.. I cant see my credit score at all I been paying ( Experian ) for there services..they didnt update my credit score at all..Im trying to get ( apartment )..
Consumer complaint received 2023-10-03
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. (MN)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-05-05
Product: Credit card or prepaid 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: Bread Financial Holdings, Inc. (NY)

I used my brand new credit card from bread cash back American Express to rent a vehicle with XXXX rent a car everything went fine i was billed from XXXX on That card with no problem. A few weeks later in XXXX I get an additional charge of almost {$1100.00} on my Bread cashback card from XXXX I immediately called XXXX they didnt have any record or even understand why I had an additional charge on my card I had to send them info to prove the charge was on my card I then called back bread cash back American Express to tell them this was a fraudulent charge and they said they would look into it I even got a few letters from American Express telling me to be patient they are working on it but as of today XX/XX/2023 and it is still on my account this fraudulent charge occurred on XX/XX/2023 I alerted both companies it was fraudulent charge within a weeks time of that fraudulent charge I dont understand why I am not being helped in this matter by American Express for a fraudulent charge against my account please help Ive spent well over 3 hours on the phone with American Express to no avail. I need help!
Consumer complaint received 2020-07-31
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: United Collection Bureau, Inc. (LA)

To Whom It XXXX Concern : The reason I am filing this complaint with your agency is due to the United Collection Bureau for alleged violations of the Federal Telephone Consumer Protection Act. United Collection Bureau negligently, knowingly, and/or willfully placed multiple calls per week to my personal cell phone for the wrong person. I do not have any business relationship with this company, for them to continue to harass each day and not leave any message just hang-up, spoofing the number. 

Furthermore, I greatly appreciate it very much if someone from the Consumer Financial Protection Agency could lodge an investigation into the violations stated in my complaint against United Collection Bureau. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (TX)

Complaint Citi bank double transferred money due to a " internal error ''. I opened a ticket with them asking for an letter to provide my bank and a refund on my overdraft and late fees. Citi has told me to go to a branch because they are unable to accomplish either of these things. The branch tells me to call customer service. This issue happened on XX/XX/2023. I was in the woods hunting for the first 10 days of the month. When I got back into phone signal I noticed all of this and contacted CITI right away. I opened a ticket with the back office and called weekly for a resolution - there was none. They continue to tell me to go into a branch. 

How can your complaint be satisfactorily addressed? 
I would at least like my late fees and overdraft fees refunded but I would really like a letter or some kind of acknowledgement that I can send to my bank that this was not my fault. I have NEVER missed a payment until now and it wasn't my fault. I didn't double transfer the money.
Consumer complaint received 2023-04-16
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: Experian Information Solutions Inc. (GA)

USC 1681 the accounts on my credit is defamation of my character & i am trying to buy a house. Below i attached a few of the companies that have my information and that has charged to my credit report. My identity was stolen and the companies listed were the ones charged to my credit.
Consumer complaint received 2024-04-29
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. ()

My situation dates back to XX/XX/year>. I am now at 72 days since they defrauded me out of {$800.00} in XXXX cards. Every time I have called them in the last 10 weeks after being transferred and hung up on multiple times I am told that my Case Number was closed and they issue another one. The staff consistently act shocked that it was closed and can not provide why it was closed and/or how it was resolved. I am then told within 1-2 business days Ill be contacted but a supervisor which has never once occurred. So I call again and cycle repeats itself. Currently on case number 3 and counting. I am frustrated to say the least and have expressed to Vanilla XXXX on multiple occasions that these cards were purchased specifically to pay my local utility bills and we have been in a bad position wit the power company unable to pay. 

I have attached photos below to show just some of the communications. I even went to the extent of advising them I have no money to see if they would care but it made no difference to them.
Consumer complaint received 2023-07-07
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: Experian Information Solutions Inc. (PA)

Hello, I have a business credit card account on my personal credit report with balance of {$19000.00} and I have no knowledge of this account. I discovered it on XXXX XXXX have a fraud alert on my credit report so I don't understand how they approved this credit card. When I tried contacting them they stated that it's under a company name so I don't understand how it's appear on my personal credit report. It never showed up on my XXXX or XXXX only shows on my Experian credit report. I tried to dispute it twice and the result came back as accurate. How it's accurate and I have a fraud alert on my credit that no one can open any account under my name without asking me security questions. Please help me remove this negative account from my Experian credit report. 
Report # XXXX regarding Account name XXXX XXXX XXXX Account Number is XXXX thank you I really appreciate it all your help!
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (KY)

I have filed disputes with Equifax, supplied support documents, written letter to them explaining the situation and no resolution. 

The problem is that a mortgage amount of $ XXXX is showing on my credit report that I do not have with a company that is no longer in business and the owner is deceased. I have provided a letter from the sole trustee of the deceased verifying that information. Equifax states I need to contact the mortgage company to have the mortgage amount removed from my report and I keep telling them I have no one to contact. I never had a mortgage with that company to begin with and I've supplied the support documents as well. I also wrote a letter asking who reported the information in the first place and I have never received a response. This amount on this report is impacting my credit FICO score. It is not accurate and unfair practices. I need help to resolve this situation.
Consumer complaint received 2022-11-01
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: EQUIFAX, INC. (MN)

I have repeatedly submitted complaints and disputes with Equifax. I have submitted the necessary documents for my complaints and disputes. The response was the the information was " deleted '' this is FALSE. THE COMPANY HAS LIED. This has been going on for months.
Consumer complaint received 2024-08-10
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. (SC)

I am writing to address an error in the balance reflected on my account. The balance appears to be incorrect, as it suggests a past due amount that does not accurately reflect my payment history. 

I want to clarify that all of my payments have been made on time, and at no point have I missed a payment deadline. I have consistently adhered to the payment schedule, and my records show that each payment was made in full and within the required timeframe. 

I kindly request that you review my account history and correct the balance to accurately reflect the payments I have made. Please provide an updated statement that shows the corrected balance. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NJ)

Disputes filed with chase that were closed. 

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 Disputes filed with chase that are open 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 2024-04-29
Product: Credit card — Store credit 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. (NY)

I am an authorized user of my father 's Home Depot credit card. However, the card is used primarily by me to purchase building supplies for my business in XXXX Michigan. 
The card expired around the summer of XXXX  and new cards were requested. However, in late XXXX or early XXXX of XXXX, several of our mail was stolen/missing, which included the Home Depot replacement cards, a check for {$17000.00}, and other important pieces of mail. 
We immediately noticed the post office, Home Depot, and the bank that issued the check. 
In XX/XX/year> Home Depot sent out a monthly bill. I immediately noticed several charges that were unfamiliar to me and were done at the local XXXXXXXX XXXX XXXX Home Depot. These purchases were done on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>, totaling {$1400.00}, all on the cards that were stolen. 
I have tried on several occasions to clear these charges with Home Depot but to no avail. I also pointed out that I do not use this card for purchases in any other state but Michigan, yet several months later I am unable to resolve this issue.
Consumer complaint received 2023-05-05
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. (MS)

HI 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 2023-12-02
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: Bread Financial Holdings, Inc. (OH)

missed a flight due to weather delay. XXXX XXXX told me to repurchase a ticket and i would receive a refund. After speaking with XXXX I was told to dispute with credit card company. I did that. Credit Card company told me I did not send enough info. I submitted XXXX refund policy along with flight details, the rebooking, and new flight details. I also submitted the emails between me and XXXX. They refunded me for the missed flight when they were supposed to refund the rescheduled flight. which is why they told me dispute with card company. All information and a detailed account of the events was mailed and emailed to card company.
Consumer complaint received 2023-11-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. ()

My company is an electronic part company XXXX XXXX XXXX in XXXX, XXXX ( I am the owner ) and would like to purchase XXXX XXXX XXXXXXXX. they told me they can provide the brand new parts ( XXXX XXXX XXXXXXXX but this part number is phased out in XXXX, which I did not know that, ) And they can do the delivery after full payment right away. I wired the money to their bank account in New York. Account name : XXXX XXXX XXXX Account Number : 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 After the full payment wire, they delivered the counterfeit parts of XXXX  to us, the label and box are all fake. Please help me to get back the money and punish this company. JPMorgan Chase Bank also can not help me.
Consumer complaint received 2024-01-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY (NJ)

On XX/XX/XXXX, there was a charge to my td checking account XXXX for XXXX for merchandise I have never received. I have disputed this charge with td XXXX different times and however the chargeback was reversed. On XX/XX/XXXX, the merchant has refunded the amount to my account however, the account was closed on XXXX XXXX. XXXX td bank apply the credit to my bank account and reinstate the charge? The account should not have a negative balance as I have attempted several times to dispute the charge and was working with merchant on a resolution for merchandise, I have never received.