davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-12
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK (SC)

Months ago i was made aware that someone opened a credit card with discover in my name. i have never opened an account or gotten a physical card. there are charges in XXXX. i have never been to XXXX. money has also been sent through XXXX to other countries. i have called and called and called discover trying to get it resolved and they wont recognize it as ID theft. they are still sending me bills saying I owe them money and its ruining my credit score. Its even affecting my XXXX  and XXXX XXXX tremendously from dealing with all of this.
Consumer complaint received 2024-01-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (TX)

Chase bank has unlawfully denied me and extension of my own credit which is clear discrimination as the law states It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction chase has not returned the application nor honored the approval as Ive been anticipating correspondence from an internal investigation by employee XXXX. Attached is proof of adverse actions taken in contrary to the law which backs the defense against discrimination when credit is the only means since no lawful money exists per HJR 192. Chase has practiced unfair and deceptive practices and this is my second attempt to find an amicable be resolution. Because the reasoning left in the correspondence of why I was denied simply explain nothing that substantiates the defamation of character employer XXXX stated she was denying me because I owed XXXX in child support which I have rec as well as recorded on their monitored and recorded line relief sought as follows :
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-08
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: Fidelity National Information Services, Inc. (FNIS) (MN)

Heres the police report case number : XXXX I received in regards to the following fraudulent and unauthorized inquiries viewed by others and only by me currently listed and showing on my Chex Systems Consumer Report ID : XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023, XXXX XXXX A Part Of XXXX XXXX XXXXXX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023, XXXX XXXX XXXX XXXX XXXX, XX/XX/2023 XXXX and XXXX XXXX XXXX XXXX XXXX, XX/XX/2023
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-02-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Paypal Holdings, Inc (NY)

This complaint is in regards to : Transaction ID : XXXX, XXXX We DEMAND TO SEE THE EVIDENCE THAT MAKES THESE CHARGES VALID IMMEDIATELY ***Since this is a matter that may involve discrimination this complaint is to bring to your awareness and also as a contemporaneous record because we are unable to oppose this decision in the resolution dispute center of PayPal or file another dispute to demand the evidence that this charge is valid. We had to provide evidence of a charge we were disputing why shouldn't they? In addition, what court room do you go into besides maybe the local media and judge things without any evidence whatsoever? Isn't this called pre- judging which is where the word prejudice comes from?
Consumer complaint received 2018-10-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I made a transaction for a World Series ticket on Friday XX/XX/XXXX at about XXXX using XXXX which is a checking account to checking account money payment/ transfer. The amount was {$450.00}. I got scammed and never received the ticket. I contacted my bank and XXXX and told them this. They both stated it was a service meant to use between friends and family. Essentially telling me I am XXXX out of the money. I had never used XXXX but felt safe as it was on Bank of Americas mobile application. The fact it was on Bank of Americas site makes one feel safe. My complaint is against Bank of America. Reading numerous complaints and people feeling safe because it is on Bank of Americas site. They have no business having this service on their website. It is without a doubt misleading a person to believe it is safe.I did report this within 15 min of transfer. I expressed to them it is very wrong for them to mislead people. Again, numerous people felt secure because it was on Bank of Americas app. They got burned like I did. I ask for a refund or demand Bank of America to remove XXXX from their mobile app. Thank you for looking into this Sincerely, XXXX XXXX
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance to the Fair Credit Report Act, the following accounts has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602 states I have the right to privacy. 

15 U.S.C. 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2023-11-22
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2023-11-22
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. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under U.S. Code 1681. 

XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX 15 USC 1681 Section 602 ( A ). States I have right to privacy.

15 USC 1681 Section 604 ( A ). States a consumer reporting agency can not furnish a account without my written instructions.

I have not furnished consent via 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.

The accounts listed are adverse items of information and are not convictions or crimes.

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.

The account listed all also have inaccuracies and different information on all 3 major credit bureaus from open date, to ammount owed, and also monthly payments.
Consumer complaint received 2022-11-26
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. (CA)

This is my 4th 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, CA XXXX XX/XX/2017 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX ; XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-03-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (TN)

I requested a refund of student loan payments made during a forbearance period in the fall. This would be payments of {$450.00} in XXXX and XXXX, total sum of {$910.00}. Per the Biden administration, I am legally entitled to the money I paid. I called in early XXXX, and Mohela confirmed that they would refund the money. I have yet to receive the money. I have called at least XXXX times ( for a total of eight+ hours on the phone ). They stated the refund was sent to my bank in early XXXX. I confirmed with my bank that no such payment was received. When they have attempted to transfer me to somebody to help solve this issue, I have been disconnected twice. I am wasting my precious time dealing with these incompetent fools. Please, help me force them to refund the money I am legally entitled to. If it will help, I can execute an affidavit attesting to the fact I never received the money owed. Thanks.
Consumer complaint received 2023-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Hi, so Bank of America froze my account that I had several XXXX dollars in it and I was also using it to get my taxes deposited to and they kept my tax return also and that was several XXXX also. This was from XXXXXXXX  on my personal checking account.
Consumer complaint received 2018-10-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (NJ)

XXXX rep called me to set up payment for debt that was already paid in FULL, as such they were not authorized to act on the note. I made 3 payments before realizing it was already paid in full. Currently trying to get my money back and it has not been easy. These are professional scam artists!
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO. (OH)

On my credit report chase bank had repprted my account as past due in XXXX of XXXX back in XXXX they told me i qualified for debt forgivness and told me i qualied for hardship and forgave my debt. Than a year latter they come back trying to report to my credit buro.
Consumer complaint received 2018-10-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NV)

I went to XXXX XXXX XXXX in XXXX NV, and they promised to be able to have a job for me by when I graduated. It's now been over 10 years and XXXX XXXX XXXX is now closed. I have been there multiple times even after graduation up to 2 months before the school closing down. I still work as a security guard and navient is threatening myself and my mother to pay a ridiculously amount of money. My mother is on social security and I make very little money to support my family. I explained to them all my bills also letting them know I have child support being taken out of my check, and naviant stated to me, " that is not my problem, you should not have gone to school if you can't afford it. They should stop having poor people go to school ''. and they continue to threaten with ridiculous amount of money and saying if I don't pay they will ruin my life/credit and my mother 's. I am afraid to answer my phone Everytime it rings. My wife and I are talking about divorce due to not being able to repay this. I do not know what I can do and I feel I was defrauded by not only XXXX XXXX XXXX but also by naviant.
Consumer complaint received 2023-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

Opened XX/XX/XXXX Balance XXXX Account is showing late payments for XX/XX/XXXX and XX/XX/XXXX. The account was never late and the vehicle was totaled on XX/XX/XXXX. Insurance submitted payment to them shortly after and they still marked the account as late payment. Account is current and the next payment is not due until XX/XX/XXXX.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

XX/XX/2024, an identity thief attempted to open a credit card with XXXX XXXX XXXX using my information except the correct middle name. The card issuer requested additional information and sent a letter requesting more background data. The letter was sent to the home address at XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX. Upon discovery of the attempted fraud, XXXX XXXX XXXXXXXX was notified and asked to remove the credit inquiry from my credit report XX/XX/2024. The representative I spoke with gave his first name as XXXX.
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

someone stole my personal information and have been opening accounts under my name without my permission I made a FTC report and contacted the credit bureaus they didn't remove the account off my credit report after the investigation after i been a victim of identity theft. 

XXXX Report XXXX XXXXXXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$490.00} XX/XX/XXXX XXXX  XXXX XXXX {$580.00} XX/XX/XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX A ) XXXX XX/XX/XXXX {$800.00} XXXX Report XXXX XXXX  XXXX XX/XX/XXXX {$360.00} XXXX XXXX XXXX XX/XX/XXXX {$22.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$490.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$800.00} XXXX XXXX XXXX XX/XX/XXXX {$580.00} Inquiries XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I filed a complaint against Transunion for the fact that they are not allowing me to view or access my credit report, and that this problem has been ongoing for close to 18 months now. Transunion deliberately takes XXXX and then does nothing. That report with the CFPB was filed recently. This was complaint ID XXXX. Right after I filed my report, Transunion dropped my XXXX XXXX by XXXX points in clear retaliation. I am requesting help from the CFPB against this predatory and unlawful company, these issues can not continue any longer. This is in addition to the issues I have faced from them. This is clear retaliation for the fact that I raised concerns against this company, and at this point I am asking the CFPB to assist me directly. They are now taking adverse actions against citizens credit reports in retaliation for any complaints or concerns raised. I noticed that the CFPB has brought several lawsuits against this company for their unethical and illegal behavior. They are now retaliating against XXXX citizens who raise concerns against them with the CFPB. Their retaliatory behavior must be looked into. This illegal and unethical behavior can not be allowed to continue.
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Certegy Holdings, LLC (IA)

Certegy won't cash my check because of a credit report. 

XXXX XXXX XXXX in XXXX XXXX Iowa uses CERTEGY for what purpose? I want asking for a loan. So why does my credit report have any involvement,?
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Subject : Unauthorized Credit Inquiries Reported by TransUnion To Whom It May Concern, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding unauthorized credit inquiries that have been reported by TransUnion on my credit report. I have recently obtained a copy of my credit report on XX/XX/XXXX and was alarmed to find inquiries that I did not authorize. 

Details of the unauthorized credit inquiries are as follows : XXXX. XXXX 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 These unauthorized inquiries are severely impacting my credit score I have taken the following steps to address the issue : Contact with TransUnion : I have contacted TransUnion to dispute the unauthorized inquiries, but they said they acknowledge that these inquiries are unauthorized but can remove them until a CFPB report is filed. 

I am requesting the CFPB to investigate this matter and take appropriate action to rectify the unauthorized inquiries on my credit report. I also request that TransUnion be held accountable for any negligence in reporting accurate and up-to-date information. 

I appreciate your prompt attention to this matter and look forward.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The purpose of this complaint is to have XXXX unauthorized XXXX XXXX inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2022-08-16
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: EQUIFAX, INC. (PR)

ON XX/XX/XXXX I SEND A LETTER TO THE CREDIT BUREAUS TO FIX SOME ISSUES ON MY CREDIT REPORT, THEY DON'T FIX THE PROBLEM. 

ON XX/XX/XXXX I SEND A SECOND ROUND DISPUTING THE ERRORS ON MY CREDIT REPORT, THEY DON'T FIX IT. 

AND ON XX/XX/XXXX XXXX SEND A CERTIFIED LETTER, TRYING TO FIX A ACCOUNT THAT ITS STILL REPORTING OPEN, WHEN THIS ACCOUNT IS CLOSED SINCE 2018. 
AND OTHER ISSUES ON THE LETTER. 
ATTACHED I INCLUDE THE LETTERS TO CREDIT BUREAUS AND THE CERTIFIED LETTER RECEIPT
Consumer complaint received 2018-10-26
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: AMERICAN EXPRESS COMPANY (MA)

I have 6 unknown inquiries that are appearing on my credit report that I didn't authorize. I'm a victim of identity theft. I did not know of any of these inquiries. I've included my identity theft affidavit. I've also sent a copy to my police department. I've listed them below. 
XXXX  XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 amex  XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XXXX   XX/XX/2018