davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I have been dealing with identity theft that started picking up quickly in XX/XX/year>. Since then, I have repeatedly reached out to Experian to freeze my credit. The thief is able to reset my online account and unfreeze my credit by using the option to reset by answering security questions, which can easily be answered using my credit report. 

I have reached out to Experian numerous times, speaking with numerous departments, asking them to take away the option to unfreeze my credit online. Each time I have been met with resistance or the inability to do anything - instead, Experian reps push their paid services on me or tell me to set a security pin, which can be reset using the online option I mentioned above.
Consumer complaint received 2024-01-02
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. (NJ)

XXXX XXXXXXXX This information is incorrect, I was never late on this account. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Name XXXX XXXX The following personal information is incorrect XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Name : XXXX XXXX XXXX
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-19
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. (SC)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX 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 2024-10-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (UT)

I called Barclays Care department on XX/XX/2024 & spoke with XXXX XXXX the annual fees charged to my account recently posted to my credit card. He said they won't refund the annual fees due XX/XX/2024. See my statement included with this complaint, I just got the info because the payment made by my bank XXXX. XXXX recently made lots of changes to the routes they offer & I no longer can use the benefits they charged my annual fees for.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (KS)

XXXX is in violation of the following USC codes : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX and Experian is in violation of the following USC code ; 15 U.S. Code 1681 - Congressional findings and statement of purpose
Consumer complaint received 2024-06-14
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. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-04-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (NJ)

XX/XX/XXXX Called XX/XX/XXXX Called again-spoke to XXXX XX/XX/XXXX Called again spoke to XXXX XXXX XX/XX/XXXX Called spoke to XXXX XX/XX/XXXX Called again spoke to XXXX XX/XX/XXXX Rep would not give name XX/XX/XXXX Spoke to XXXX XX/XX/XXXX Spoke to XXXX XX/XX/XXXX Rep refused to give name XX/XX/XXXX Called again spoke to XXXX and demanded a manager, XXXX. 
XXXX left me on hold for over 10 minutes until XXXX answered and said she was a supervisor. 
This is unacceptable! I have been dealing with the Loss Draft dept regarding my loan and they have behaved in unacceptable manors. I have been trying for them to disburse funds so my home may be repaired since XXXX XXXX. I have called 9 times and have been lied to each and every time. You have had the insurance company money since XXXX XXXX. This is illegal to hold my money of over {$24000.00} for more than a month collecting interest and not releasing the funds as promised. I have been out of my home due to damage since XX/XX/XXXX and my contractor has not been paid for the remediation since XX/XX/XXXX. 
Freedom Mortgage told me on XX/XX/XXXX that the check for {$6000.00} would be sent out XXXX XXXX XXXX and I called today XX/XX/XXXX for status because it is not here, and they said they sent it on the XXXX regular mail and it would take 10 days to get to me. This is unacceptable behavior. I am still out of my home and no contractor will touch it because they fear they will not be paid. Waiting for 4 months is unacceptable. It is uncomprehensive that I am being put through this aggravation and no gather interest on the money and no resolution is insight. My entire life is on hold because of this red tape. If they had signed the insurance check as promised I would have been in my home by now because I would have got it done immediately. Meanwhile they keep making excuses why the money is not here, and they are making money on MY money and the mortgage has to be paid. VERY UNFAIR!
Consumer complaint received 2024-07-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (TX)

JP MORGAN CHASE is discriminating me by not giving me XXXX XXXX XXXX, I have credit cards of all giant financial companies like XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX and others and Chase Bank is the only company neither they increase my limit of XXXX XXXX, nor they approve any credit card related to Chase Bank, in the past I have tried XXXX XXXX, XXXX but denied, they added in me " BLACKLISTED '' and keep telling me that I have applied card in recent past or many cards, if I have many cards, why other bank are approving me {$9000.00}, {$14000.00}, and {$5000.00}, CHASE is the only company discriminate me several times, I have legitimate evidence. I am XXXX XXXXr of XXXX and wanted to have gift card ( on approval ) bonus of {$200.00} but they keep denying me for last XXXX  years and even I have XXXX XXXX and Car Loan Payments of XXXX left Out of XXXX with XXXX XXXX and Excellent and very good credit history, but JP Morgan Chase BLACKLISTED me and pre-populated information given to all three credit bureaus, they are discriminating me, they admitted that my XXXX credit card was not paid and It was not approved on my SSN back in XXXX and they have blacklisted our XXXX, even my XXXX is not living with me. CFPB must investigate it.
Consumer complaint received 2024-01-02
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)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-02
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, along with the Privacy Act, the list of accounts and inquiries below have violated my federally protected consumer rights to privacy, confidentiality, and accuracy of information under 15 U.S.C. 1681b, 15 U.S.C. 1681, and 15 U.S.C. 1681s-2. 

Account Names & Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I never expressed a written or verbal consensus authorizing TransUnion Credit Reporting Agency to publicly report my personal and financial information per 15 U.S.C. 1681b nor did I receive a request to confirm that the data shown on my credit report is accurate per 15 U.S.C. 1681 and 15 U.S.C. 1681s-2. This is an infringement upon my identity, privacy, protection, and rights.

The Privacy Act of 1974 provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information. 



15 U.S.C. 1681b Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S.C. 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C. 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies.

( a ) Duty of furnishers of i
nformation to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 2023-12-12
Product: Credit reporting 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)

Under the Fair Credit Reporting Act 602, it states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Experian is a consumer reporting agency and I am the consumer. 15 USC 1681b ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Experian, the consumer reporting agency, does not have my written consent to furnish my information in regards to the collections account with account number XXXX as well as the inquiries on my consumer report listed as XXXX XXXX Na dated XX/XX/2023, XXXX XXXX XXXX  dated XX/XX/2023, and XXXX XXXX XXXX dated XX/XX/2023. Any and all consent to Experian, whether it be verbal, non-verbal, implied, written, or by any other means is now revoked. In addition, 15 USC 1681 ( c ) ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This collection account along with the inquiries on my account are adverse items that are reporting without my permission which is against the law. 15 USC 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Experian is not maintaining reasonable procedures.
Consumer complaint received 2023-12-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2023, I requested a credit card payment adjustment of {$1500.00} and {$1700.00} in which I would get both those amounts back to my original payment method and I would have to pay off the XXXX amounts again. 

On XX/XX/2023, the adjustment was accepted and I was charged {$1500.00} and {$1700.00} again on my credit card ( which is what is supposed to happen ). 

The problem is that I did not get that amount back to my original payment method. 

I have contacted Bank of America over and over since then and even visited their branch stores, but they are not able to help me. They even closed my case without a resolution.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WI)

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2023-12-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (TX)

Subject : Formal Complaint Regarding Dismissive Handling of Dispute by Chase Bank Staff Dear Chase Bank Customer Service, I am writing to express my dissatisfaction with the handling of a recent dispute by one of your employees. I believe it is crucial to bring this matter to your attention for appropriate resolution. 

On [ date ], I initiated a dispute regarding [ nature of the dispute ] in the amount of [ amount ]. Despite providing all necessary documentation and details, the Chase Bank employee assigned to my case displayed a dismissive attitude and failed to address my concerns adequately. This experience has left me frustrated and dissatisfied with the level of service provided. 

I expect a higher standard of professionalism and customer care from a reputable institution such as Chase Bank. It is disheartening to encounter such a lack of diligence in resolving customer issues, especially those related to financial matters. 

I kindly request a thorough review of my dispute case and appropriate action to be taken to rectify this situation promptly. I believe in the importance of maintaining customer trust and satisfaction, and I trust that Chase Bank shares these values. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX
Consumer complaint received 2024-07-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Net Pay Advance, Inc. (TX)

Debt collections reached out for accounts that I have no knowledge of. Stating that I owed them money. Once informed of debt, I started looking at credit reports and started finding more accounts that were not opened be myself. XXXX XXXX XXXX Account opened XX/XX/XXXX for a line of credit in the amount of {$500.00}. When I contacted company I gave my name and explained that it was fraudulent and started asking for other names on the account, address on the account and email. The man said that he could not and that I had to provide information. I gave him my ex wife 's phone number/address, he confirmed that those were in fact on the account. When I asked for the email provided he gave it then when asked for the fraud department, he promptly disconnected the call. XXXX XXXX account opened XX/XX/XXXX for a line of credit. Once contacted I explained that it was a fraudulent account. I was supplied with an email/address and phone number from my ex wife. XXXX Credit Card account opened XX/XX/XXXX for a line of credit in the amount of {$650.00}. I reached out to customer service and explained that it was a fraudulent account. I was provided with an email/address and phone number. NetPay Advance account opened XX/XX/XXXX for a loan. I contacted NetPay Advance and explained that it was fraudulent. It was explained to me that I owed {$1400.00} on a {$700.00} loan. I was directed to the fraud department and completed there fraud paperwork. I was given the email and the name of the banking institution that the loan was sent to. I then contacted the XXXX XXXX, Texas Police department & XXXX XXXX, Texas Police department to file charges. With the information given to me by the collections and customer services representatives I believe it to be the work of my ex wife. Using documents from our marriage prior to divorce, she opened multiple lines of credit in my name. I can provide the emails given to me along with the addresses and phone numbers. XXXX XXXX, Texas Police case number : XXXX XXXX XXXX XXXX Texas Police case number : XXXX
Consumer complaint received 2024-07-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (NC)

Received amount from friends to pay a company for help. Requested refund from company because they didn't help. Refund went through but funds are being held. PayPal is saying they won't release funds for 7 days. We need refund now.
Consumer complaint received 2024-07-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (OH)

I had purchased something from XXXX through a finance company and returned it within 30 days. This was in i think XX/XX/XXXX so here it is XXXX and they put this on my credit report. I called the collection company they said they gave it to another collection company. I called the other company and explained to what happened and told them I returned it back to XXXX. So they said they were not gon na try and collect and send it back to Vance & Huffman. I just called Vance & huffman today and lady wan na argue with me telling me I'm gon na pay for something I don't have. No mam I'm not they have their merchandise back. I never paid nothing because I gave it back. The paper work u have reflects that there is no payment history and that's why. This is a known issue with this XXXX  place.
Consumer complaint received 2023-12-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (KS)

After filing two claims through the XXXX XXXX XXXX I am currently being taken to court in an attempt to collect the balance of my Synchrony credit card ( {$3000.00} ). I have requested the Terms and Conditions as well as my enrollment documentation for Synchrony 's XXXX XXXX XXXX and the credit card opened with Synchrony on XX/XX/XXXX. I have attempted to collect this information from both Synchrony and XXXX XXXX XXXX on XX/XX/XXXX. Synchrony responded with not willing to provide the information. XXXX XXXXXXXX XXXX XXXX response was an ask if I wanted to dispute the charge and not to provide me the information requested. I have disputed the debt with XXXX XXXX XXXX on XX/XX/XXXX. The dispute explains how I am not liable for the debt because I used Synchrony 's XXXX XXXX XXXX to file two claims for payment protection due to being laid off during the covid pandemic due to lack of work. Those claims were made XX/XX/XXXX and XX/XX/XXXX.