davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-31
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. (NC)

A couple of moths ago I decided to check into my credit report after watching a show on the television describing how important credit was. Upon checking, I found that there was three ( 3 ) credit items which didnt belong to me and a bunch of inquiries. Instantly I began to freak out, thinking that my whole world had ended before it started! I then contacted XXXX, equifax and XXXX XXXX advising them that the accounts for XXXX XXXX XXXX ( opened XX/XX/XXXX ), XXXX XXXX ( opened XX/XX/XXXX ), and XXXX ( opened XX/XX/XXXX ) were indeed fraudulent accounts. They then advised me that they would investigate the said accounts and let me know the outcome of the dispute. About twenty five ( 25 ) days later, I got a notice from them advising me that the said accounts were verified as indeed mine and there for accurate. I knew at that moment that my identity was indeed compromised!! Ive also tried ( unsuccessfully ) to dispute these accounts with the originator of the accounts. Ive asked the agencies as well as the creditors to supply me with the original signed applications, showing my true blood and bone human signature as proof that Im responsible for those accounts. I have not received those documents, meanwhile my credit is suffering and handicapping me from exercising my right of life, liberty and the pursuit of happiness.
Consumer complaint received 2023-05-08
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. (GA)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX 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 2023-05-08
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)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$880.00}
Consumer complaint received 2023-10-25
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # 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
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)

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-08
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$49.00} XXXX XXXXXXXX Balance : {$13000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : $ {$2100.00} ; XXXX XXXX XXXX Balance XXXX {$120.00}.
Consumer complaint received 2023-07-11
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: Experian Information Solutions Inc. (AL)

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Experian, This letter is a formal complaint that you are reporting inaccurate credit information. The report I received published by your company contains a series of items that should not be on my profile. The accounts in question are listed below. Please send me copies of the documents that you used prior to reporting these items on my credit profile to verify the accuracy and legitimacy of the accounts listed below. 

I called and spoke with a representative of your company last month and questioned these items. The representative told me the items had been verified but could not provide me with any information on what documentation had been submitted by the companies that proved that it was accurate before you reported these accounts. She only repeated that I had to contact the companies directly. The information youre reporting is not what other bureaus are reporting. How do you know your information is correct? It is the responsibility of EXPERIAN to ensure that the information being reported is accurate and factual. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately and all negatives effects that have impacted my credit. As required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my credit worthiness.

Under the FCRA 15 U.S.C. 1681i, ALL UNVERIFIED accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

The following accounts are being reported and must be verified or deleted as soon as possible : XXXX XXXX XXXX XXXX OPENED XXXX {$490.00} ACCT # XXXX XXXX XXXX XXXX OPENED XXXX {$1000.00} ACCT # XXXX Thank you for your cooperation in and prompt response in resolving this matter. 



XXXX XXXX
Consumer complaint received 2023-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (IL)

This communication is in regards to the following transactions on my Wells Fargo Visa credit card account. 

XX/XX/XXXX - {$5.00} INTEREST CHARGE ON CASH ADVANCES XX/XX/XXXX - {$15.00} CASH ADVANCE FEE XX/XX/XXXX - {$310.00} JPay Money Transfer XXXX FL On XX/XX/XXXX a payment was made to XXXX to fund an inmate account. During that transaction, I was asked to accept payment terms with XXXX, which I accepted. In those terms, I agreed to the following term : " 10. OTHER CHARGES. XXXX  is not responsible for any fees or charges that may be imposed by the financial institution associated with your Payment. For example, some credit card issuers may treat the use of your credit card to purchase the Service as a " cash advance '' rather than a purchase transaction, and may impose additional fees and interest rates for the transaction. JPay is not responsible for any non-sufficient funds charges, chargeback fees or other similar charges that might be imposed on you by your bank, credit card issuer or other provider. '' Based on this description, it appears that credit card companies are treating these payments differently, some as purchases, others as cash advances. Wells Cargo Mastercard treated this transaction as a cash advance. I contacted Wells Fargo via Chat and they instructed me to contact the Customer Advocacy Department at ( XXXX ) XXXX. I contacted that phone number and spoke to XXXX. XXXX would not supply a customer ID or any other identifying factors, so I apologize for the vague details on him. XXXX explained multiple times that I accepted the terms of agreement and cash advances are a legitimate charge, along with the interest that was charged. Despite all monthly statements being paid in full and on time every time, cash advances incur their own interest rates. I contested that the transaction was not a cash advance, and felt that it was a purchase with JPay. XXXX continued to express that XXXX was at fault and I should speak to them. To his surprise, I pulled our their transaction statement that indicates that the card issuers are determining what they want the transactions to be and that I had no way of knowing before the transaction that Wells Fargo Visa would be charging this as a purchase or cash advanced. I asked XXXX for details on this transaction that caused Wells Fargo Visa to determine that it was a cash advance. In the call, he stated that he would not share that information. He pointed out to me that the Description in the transaction field on the card says " Money Transfer. '' I explained that any purchase can have any description, but the consumer doesnt control that. The consumer only knows what they agree to during payment, which indicates that the card issuer may be the one to determine that. 

This transaction feels that it could be representative of predatory lending. Fees and interest are being charged to a consumer group that is usually in financial hardship due to being incarcerated.
Consumer complaint received 2024-03-14
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: HYUNDAI CAPITAL AMERICA (NY)

I obtained a new lease with a kia dealership on XX/XX/2024. After that day there were XXXX credit inquiries submitted without my permission. XXXX. HYUNDAI CAPITAL AMERIC on XX/XX/2024. XXXX. KIA FINANCE AMERICA on XX/XX/2024 and XXXX. HYUNDAI CAPITAL AMERIC on XX/XX/2024. All these inquiries submitted without my consent after XX/XX/XXXX is negatively affecting my credit score.
Consumer complaint received 2024-05-05
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (NY)

To anyone reading this, based on my recent experience with Citi, I strongly advise against this bank unless you are fine with a bank with 0 customer service. I was approved for a Citi credit card on XXXX XXXX, in the notice it was mentioned that the card will be sent to me in 7-10 working days. I reached out to Citi on XX/XX/XXXX, mentioning that my card was not received, and I have 2 requests : 1 ) to expedite the process of reissuing my card 2 ) to provide me with a temporary card so that I can start making purchases using the card. The staff decided to pass me to the fraud department, the fraud department tried sending a text code for verification but the system failed, the staff said they would call me back but I never received a call. I tried calling hotline again multiple times the same day and finally got hold of someone ( XXXX ) who told me they are unable to do anything because it hasn't been 10 business days and told me to wait till tomorrow. On XX/XX/XXXX, I did not receive the card and called the hotline again, in my first call, I was passed to the wrong department and was told to wait on the call for 30 mins to have someone from the correct department to call me. I tried calling again, finally got hold of someone, and was passed around 2 times ( XXXX, then XXXX ) and finally got to someone ( XXXX ) who was supposed to be able to help me, but apparently had the wrong story of what I explained to the first two individuals. The attempt to do the text code verification failed twice. I was almost forced to report stolen card by the staff over the phone and when I made my request ( the 2 items above ), she told me that I need to be charged {$60.00} for expedited delivery. I am in shock and dismay of the service I have received from this large bank which I think definitely does not deserve its customers. In total, I have spent more than 2.5 hours in calls speaking with more than 6 different staff from various teams and voice responses and left without a proper resolution. I sincerely hope that the CFPB can assist and support me in this matter.
Consumer complaint received 2023-05-08
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. (FL)

I am requesting again in regard to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts is 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-08
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-08
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. (TX)

This is my fifth request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$170.00} ; XXXX XXXXXXXX Balance XXXX {$2600.00} ; XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MO XXXX ; XXXX XXXX AV XXXX XXXX XXXX MO XXXX.
Consumer complaint received 2023-08-30
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)

There are UNAUTHORIZED and FRAUDULENT inquiries 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 ). I am not the one who initiated these inquiries. I am submitting a complaint regarding these inquiries and for assistance to REMOVE them from my credit report immediately.
Consumer complaint received 2024-05-05
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: LEXISNEXIS (NV)

LexisNexis. XXXX, XXXX and XXXX reported unverified derogatory information to my consumer/credit report ; I carefully investigated my incident, and conculded the XXXX Bankruptcy XXXX never provided any information to the companiess, nor do they ever validate and/or confirm public records ; The public records information is never validated by the Recorder of Deeds nor the XXXX Bankruptcy XXXX system due to the Fair Credit Reporting Agency Privacy Law ; The XXXX Bankruptcy XXXX confirmed that your company has never validated or verified this public record entry on my consumer/credit report, neither will they ever be by them.

They further stated while they are not liable or responsible for any misuse or incorrect publicrecords, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly : LexisNexis. XXXX, XXXX and XXXX failed to provide me with competent and documentary evidence toprove that the disputed information is verified. 

The law is clear : " If the CRA can not validate the information with the information furnisher, CRA must remove said information from the consumer file '', I have the right to an accurate consumer/credit report.
Consumer complaint received 2018-08-31
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliver Beach Mortgage, LLC (AZ)

I am requesting a refund of the appraisal for which I paid {$550.00} on XX/XX/2018, and of the {$44.00} late fee for our XX/XX/XXXX mortgage payment ( total {$590.00} ). Since learning that that we can not get approved for the refi, I contacted my loan specialist 's boss twice to request the refund, but it has been a week and no response. 

We were working on closing with the refi lender since XX/XX/XXXX, and after we provided everything that was asked for, we learned last week that the  refi was not going to close. Earlier correspondence said the appraisal could not be refunded if we chose to not close, but this failure to close was not by our choice, and the company is not responding to our request to refund the appraisal. 

Additionally, I paid the XX/XX/XXXX mortgage payment before receiving the message that I should pay it and that the loan would not close, but the date was still too late to avoid the late charge. It was communicated to us in an earlier email to not make the payment and that the company would pay any late charges. 

Incidentally, the company solicited us by a letter that named the FHA Streamline, during the same month that we initially bought the home. We later learned that we were not home owners of the property long enough to qualify for the Streamlined, and so XXXX XXXX therefore attempted a Simple refi program instead of a Streamlined.
Consumer complaint received 2018-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (MI)

Every three months for the last two years someone tries to open a credit card in my name through chase bank. It's always a XXXX card and I have to call chase they have removed some of them but not the last three there still on my report ... .. please help Dates are XX/XX/2018, XX/XX/2018 and XX/XX/2018
Consumer complaint received 2024-05-05
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (CO)

The Citi Bank COSTCO card was charging me interest when my balance was always paid in full each month. When I called to question I told them to CLOSE this account. I have NEVER had an issue like this with ANY credit card. 

I put a lock on the card, I had to forfeit the cash back I had accumulated, and told them to close the card. 

This. month I got ANOTHER CHARGE for {$120.00} with the card locked. Apparently Costco charged a membership fee without approval. 

This credit card Company needs some serious oversight.
Consumer complaint received 2023-05-08
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. (WA)

The vehicle needing to be insured did not exist, insurance company was aware of this and still proceeded to charge my account. When I did not pay, they sent it to collections. I tried to get them to update several times before but the status never changed. The credit report company TransUnion saw the 2 VINs, one showing a correct VIN from the Washington State Department of Transportation, and the other showing an incorrect VIN from XXXX XXXX ( insurance company ), verified the information as accurate, but did not change the status of the report. I do not believe they addressed the issue or reviewed it. It is harming my credit score and even though I shouldn't have to pay for this, I am tempted to because it will help my credit.
Consumer complaint received 2018-08-31
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. ()

I used to have chase account before I came back to XXXX XXXX. And I closed it and swifted money into my XXXX account at XXXX. But at XXXX, it was delayed, and now it cancelled.