davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-08
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. (MD)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-01-08
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. (IL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX 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 2023-10-25
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: Experian Information Solutions Inc. (MA)

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 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 2023-02-11
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. (PA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality u Der 15 USC 1681. XXXXXXXX XXXX XXXX  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. It also state 's a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-04-25
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: EQUIFAX, INC. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (MO)

Timeline of events : XXXX. XX/XX/XXXX I, XXXX XXXX XXXX, sent XXXX GBP to my brother 's account in the XXXX. Received a XXXX message confirming that the amount has been deposited into my brother 's account. IT NEVER HAPPENED. 
2. XX/XX/XXXX I created a case on XXXX website. I NEVER RECEIVED ANY RESPONSE FROM XXXX. 
3. Called XXXX  on XX/XX/XXXX. Was told to upload some information. Was promised to get back to me within 24-48 hours regarding the tracing of this transaction. IT DID NOT HAPPEN. 
4. Tried to upload the requested documents to XXXX website. It allows for upload of only one document. 
5. Called on XX/XX/XXXX. Was told to send the documents to the customer service email. Sent the requested documents to prove that XXXX XXXX XXXX  is currently XXXX with the same routing number, and that payment has not been received by the receipient. 
6. On XX/XX/XXXX, received an email from XXXX claiming that they have deposited the money into my brother 's account. 
I was given the following XXXX  for tracking : XXXX XXXX. On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  wrote to XXXX XXXX XXXX stating that I have been in contact with our payments team who can find no trace of the payment into XXXX, or through our intermediary bank.
Consumer complaint received 2024-01-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (AZ)

On XXXX XXXX XXXX XXXX XXXX   someone hacked into my mobile app through Chase and deposited 6 checks into my account four of them only had my first name on them and they were endorsed by a man 's name and this person was not on my bank account Chase went ahead and accepted them never notified me with a fraud alert the same day the hackers went back into my mobile app and disputed four of my car payments Chase went ahead and reversed all four of them never notified me with a fraud alert then the next day the hackers went back into my mobile app and disputed 9 of my XXXX XXXX XXXX XXXX Chase went ahead and reversed all night still no fraud alert that evening I called Chase customer service to ask about my direct deposit through my employer customer service asked me if I was the one that made all those reversal request and deposited those checks I told him no I did not Chase went ahead and froze the account I went in the next day to the branch close the account and opened another account Chase went ahead and told me the account was not closed they restricted it then I received a direct deposit on XXXX XXXX XXXX XXXX XXXX from SSA and a direct deposit with my employer on XXXX XXXX XXXX XXXX Chase went ahead and kept those direct deposits and made me pay for the fraud Chase told me that the deposit done on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was returned they gave me a Trace number to give to my employer she Trace the return my employer went ahead and traced it and told me that it was never returned Chase has not credited that deposit it was deposited on XXXX XXXX XXXX XXXX I was told that all those reversals we're going to be sent back to my car lender company the name is XXXX and XXXX credit card company XXXX at the chase executive office that they were sent back I have been on the phone with both of the companies and they were never sent back Chase went ahead and closed my account once those two direct deposits were made never notified me of closing my account because of them taking my Social Security SSA payment and my direct deposit with my employer I could not pay rent so I got evicted from my apartment she still has not credited my account for that direct deposit for my employer deposited on the on the XXXX XXXX XXXX I have been on the phone with them everyday it has been over 60 days since this has happened it's affected my life because now I'm homeless this stress of talking to them everyday every time I speak to somebody in the claims department at Chase I'm being told different things every time the stress has caused XXXX XXXX  and I want this problem resolved
Consumer complaint received 2024-03-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: WELLS FARGO & COMPANY (TX)

home that was over priced in the market than what it originally cost. We were sold a home from the seller for XXXX XXXX and the mortgage company put us in a {$90000.00} loan in XXXX for a home on XXXX XXXX XXXX XXXX, XXXX XXXX. The purchase price was not equivalent to the house valued price which was XXXX or little under at that time.The mortgage lender company charged us XXXX the seller asked for just XXXX. We want answers! The value of that home in XXXX was below the price of the mortgage that the lender stuck us with. We went with it very blinded just because we we not educated. We were originally purchased the house as a lease to own until we could find a mortgage lender to pay the seller. The seller charged us XXXX for the home wellsfargo put us in a XXXX loan with XXXX mortgages! We want answers We want the house original appraisal documents that was issued during that time from the mortgage lender company
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (TX)

In accordance to Fair Credit Reporting Act, this creditor, Synchrony Care XXXX XXXX has violated my rights under 15USC1681-SECTION 602 which states that I have the right to privacy.

Under 15USC1681-604A SECTION 2, it states that a consumer reporting agency can not furnish an account without my written instructions.

Under 15USC1666B it also states a creditor can not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

For these reasons, I am requesting the late payments be removed from my credit report across all XXXX bureaus.
Consumer complaint received 2021-07-12
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. (LA)

These Accounts must be removed immediately. I am not aware of their origin, and I do not remember any such accounts belonging to me. I demand that if you do not provide proof these accounts be removed within 7 days from the receipt of this notice. By law, and according to the FCRA I have the right to know what information you are using to report this information on my report. The following accounts must be removed NOW!!! 1. XX/XX/XXXXXXXX XX/XX/XXXXXX/XX/XXXX2. XXXX XXXX XX/XX/XXXXXXXX XXXX 3. XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-01-06
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: Incomm Holdings Inc. (UT)

I purchased a XXXX {$220.00} prepaid giftcard on XX/XX/2023 to use some cash online. As I got the card I checked and made sure that I would be able to spend it online and went to their website and verified it would be possible. I went to try and use the card on XXXX and it failed. I called and they said it wouldn't go through to XXXX ( not stated anywhere for anyone to see ). So I tried paying through paypal and it didn't work. I called back and they said it would go through on XXXX, but it would go through on XXXX. I gave it a night and decided to try XXXX as a completely separate merchant. It didn't go through so I called and I was told that the card was only able to be used in store. I got XXXX different answers from XXXX  different reps and they didn't offer XXXX  resoloution on the issue.
Consumer complaint received 2024-01-06
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. (NE)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-25
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. (MD)

Accounts were closed/charged off by original owners of the accounts. Sold to third party collectors who then reported incorrect account amounts and incorrect dates that the accounts were opened. They then list them as derogatory/in collections in addition to the original owners making it look as if there are double the amount of accounts that o have in collections. Instead of two it shows five. I asked the credit bureau 's to investigate and obtain validation of the amounts and date and no changes are made. The information is INCORRECT and fraudulently reported therefore should be removed and they have done nothing. No information has been provided to me to verify the opening date of the accounts or the increased amounts listed because they dont have any validation to support what has been reported.
Consumer complaint received 2024-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/24 I discovered that someone had used a debit card in my wifes name to make approximately {$2300.00} in purchases at 2 different XXXX in towns XXXX miles from my home. The card used had been issued to my wife 2 days prior but was never received by us. Chase was immediately notified and our accounts were frozen. {$1300.00} was also withdrawn from our account using a check, which was refunded. A claim was filed with Chase, XXXX. Chase is refusing to refund the purchases at the XXXX because they stated they can not prove the charges fraudulent, despite being notified by me and my wife immediately
Consumer complaint received 2023-04-29
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)

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 XXXX XXXX XXXX. 

Account name : Dept of Ed/XXXX XXXX Account name : # XXXX ; XXXX ( TransUnion ) Account name : XXXX XXXX XXXX Account name : # XXXX, Account name : US Bankruptcy Court XXXX Account # XXXX ( XXXX ), Account name : US Bankruptcy Court XXXX XXXX XXXX & TransUnion 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. 

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 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Credit Karma (FL)

Credit Karma would always say that I was preapproved for credit cards and auto loans and when submitting my information I was declined a 100 % of the time then my score would go down.
Consumer complaint received 2024-01-06
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (DE)

I have two CDs with Wells Fargo. I received notice that the CD would be renewed at the same term if I did not respond between XX/XX/29 and XXXX. I called prior to XX/XX/29 and on XXXX. I missed the period between XXXX because we were traveling outside of the country. I let them know I would pay a fee since I was outside of the grace period, but they said the only way I could stop the CD from renewing was to mail in a notarized letter ( which is not easy and would potentially cost me money ) or to make an appointment with a banker ( which is only during my work hours and I would have to take off or miss work ). I feel that Wells Fargo is intentionally making it difficult for me to change the terms of this CD. The rate is currently at 1 % and I'm sure they do not want to pay the current fair market rate of 5 %. They are being abusive by not having this ability via phone and making it very difficult for a consumer to complete this action.
Consumer complaint received 2024-01-06
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: CITIBANK, N.A. (NY)

Citi owes me and is wrongfully withholding {$450.00} from a transaction dispute. This dispute is still open TODAY, well after the 90 day limit to resolve disputes, and they dubiously reversed my conditional credit without ever notifying me in an attempt to get me to avoid noticing! This is extremely misleading and unethical!! 

On XX/XX/XXXX, I disputed a transaction totaling {$450.00} that I am still owed. A conditional credit of the full transaction amount was issued to me. 

On XX/XX/XXXX, Citi closed my dispute in the merchants favor without even asking for any evidence. I did not even have the opportunity to upload any proof or evidence pertaining to my dispute before they resolved it. 

On XX/XX/XXXX ( 122 days ago ), I complained and reopened the dispute detailing all my evidence of why I am entitled to a refund. Per law, Citi needs to close the dispute within 90 days. 

Today, on XX/XX/XXXX, my dispute status still says that Citi is reviewing the details of the dispute well beyond the time frame. I also discovered that they quietly reversed the conditional credit even though they reopened my dispute I was never notified that the credit was reversed, and only saw it when checking my monthly statement for XXXX ( it does not even appear in the mobile app ). 

Their mobile app still shows that my dispute is unresolved as of today, and it also doesnt even show the credit reversal in my digital transaction history, which is extremely misleading and it is clear they are trying to be sneaky by reversing the credit hoping that I dont notice. They also emailed me a note this morning with a flat out lie saying they sent a notice on XX/XX/XXXX of my dispute resolution which I never received, and they were not able to actually show me the note or any proof of delivery of that note I was not able to get in touch with anyone on that note even after trying to contact them, and no one from their team is able to look into it or help. DO NOT BANK WITH CITI THEY STOLE MY MONEY
Consumer complaint received 2024-04-16
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. (GA)

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. 
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 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 2024-01-16
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP (TN)

XX/XX/XXXX. Purchased 2 {$100.00} visa gift cards at XXXX. Did not work. Had to call number on back of card. See attached document that details the problems trying to get the cards replaced. I was finally able to get cards replaced on XX/XX/XXXX but they double charged me for the activation fee.
Consumer complaint received 2023-10-25
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated from erroneous reporting in my file are listed on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX