davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/XXXX fraudulent charges included : {$9.00}, {$49.00}, {$49.00} XX/XX/XXXX : I called Chase fraud services and filed a report, they temporarily reimbursed the funds in my checking account and said they would investigate. 

XX/XX/XXXX : I contacted Chase fraud services again because the unauthorized amount was charged back to my account. The person working for Chase stated they couldnt find evidence of a fraud charge as it came from an authorized digital account. I asked for more info and they simply stated they couldnt re-open the case in their system and it was considered closed. They advised me to take up the fraud charges with the merchant to reclaim the money.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

The retailers are reporting inaccurate/erroneous data on the consumer ( my ) report. The law clearly states retailers have an obligation to report to the perfection the accuracy of their data/information on the consumer report. 

If there any inaccurate/erroneous data information reported that I can identify, show evidence thereof ; I consumer demand for immediate deletion as such data. 

I will forward the document to the complaint to support my claim. 

However, I want to put the CEO of the CFPB on notice of my dissatisfaction of past complaints for noncompliance, no thorough investigation and possible bias towards consumers.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This is my XXXX 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 an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXXXXXX, MI XXXX XXXX XXXXXXXX XXXX  XXXX, MI XXXX XXXX XXXX Balance : {$880.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$750.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$9000.00} XXXX XXXX Balance : {$880.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$9000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX  XXXX, MI XXXX XXXX XXXX Balance : {$880.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$9000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MCS CLAIMS SERVICES, INC (NY)

I received a collection letter on XX/XX/XXXX. I called the hospital where the debt originated. They confirmed to me that I had no debt and the mistake was on their end. I emailed the collection company on XX/XX/XXXX disputing the debt. I didn't receive a response to that email. 

On XX/XX/XXXX I received a letter stating that I have not " disputed the account as stated. '' That is not true. I DID dispute the account. I have email proof. 

This company illegally contacted me.
Consumer complaint received 2023-10-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (FL)

I was dold a car that was not proper working conditions and after only 2 wks of having the car I was told there was engine problems and the problems went on from there now I've learned that the company has closed the business and is being sued for illegal practices on many levels but I'm lost to who my property contract is with they've passed the payment part to another company leaving no contact person.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-04-07
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)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I never went to college, but I have 2 opened accounts, from the same loan company, but different amounts of what's owed. The consumer reporting agencies need to report all information with complete accuracy. This account is not mine. Ive attached a copy of my report to this complaint on the following dates XX/XX/07 for each one. I'm now requesting you investigate and provide verifiable proof with records showing that I had these loans. If this information can not be verified. I demand these loans be updated and removed immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2023-10-09
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)

I hope this message finds you well. I am writing to express my deep concern regarding what I believe to be a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I am referring to the accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C. 1681 Section 602 A of the FCRA, I have the fundamental right to privacy, which has been compromised in this situation. Additionally, 15 U.S.C. 1681 Section 604 A Section 2 of the FCRA clearly stipulates that a consumer reporting agency can not furnish an account without my explicit written instructions. 

I have diligently attempted to address this issue by reaching out to credit reporting agencies, including XXXX, XXXX, TransUnion, and XXXX XXXX. I have submitted multiple letters expressing my concerns, yet regrettably, I have received no meaningful response. Instead, I have been met with a frustrating cycle of vague explanations, such as " The accounts came back Verified '' or " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. '' To further illustrate my concerns, I have taken the liberty of highlighting discrepancies within my credit report and have attached copies of the letters I have previously sent for your reference. 

I sincerely request your urgent attention to this matter. My rights under the FCRA are of utmost importance to me, and I believe that addressing this issue promptly is essential to ensure the accuracy and integrity of my credit report. 

I kindly request that you investigate this matter thoroughly and provide a detailed response outlining the steps taken to rectify the situation. 

Thank you for your prompt attention to this matter. I look forward to your response and a swift resolution to this concern. 

Sincerely,
Consumer complaint received 2023-09-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (PA)

I went to make a payment of {$24000.00} on XX/XX/23 and got a confirmation email from my company AidVantage. The payment was posted on my account and then a few days later there was a payment reversal from the company and the balance was added back to my loan. All of my bank account information was correct this is an issue a lot of people are having.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

DELETE FRAUD ALERT AND EXTENDED FRAUD ALERT Experian XXXX XXXX  XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING XXXX.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

I XXXX XXXX received a copy of my report, I have recently disputed XXXX XXXX XXXX through CFPB Acc number XXXX. XXXX deleted the inaccurate information on my report. XXXX  and Equifax is still reporting this inaccuracy.
Consumer complaint received 2023-12-10
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (SD)

Discover credit card, Says I can only do write in letters? My behavior, how's Discover behavior been last 3 years. Blaming, accusing, won't take calls, blocked my number on XXXX XXXX, it's now XXXX and they still saying no calls. Told Me make a XXXX minimum payment, and charging off My account of end of XX/XX/2023! Back and forth, no results, and transferred around and around. Told my case was reopened on XX/XX/2023, no information from Discover at all. I won't send in a letter anymore, they don't tell they received anything or emails
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.
Consumer complaint received 2023-02-15
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)

My name is 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.
Consumer complaint received 2024-01-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (OH)

I had an offer presented to me while reviewing my existing Chase Credit Card account for a new checking account with a bonus if conditions were met of " an Employer direct deposit within 90 days of account opening ''. ( Attached screenshots of the offer and the online presentation ). 
They said they would pay the {$300.00} within 15days of the condition being met, which would have been the XXXX ( XXXX XXXX ) or XXXX ( XXXX business day after XXXX day ). I contacted them on XXXX  and they said my coupon code wasn't applied when I opened the account. 1 of the screenshot provided said " Coupon code applied when you choose " open an account '' '' ( screenshot provided ). 
I met the condition of not being a current customer and not having an account closed in XXXX with a negative balance. ( terms provided in screenshot ).
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-04-07
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. (PA)

I HAVE DISPUTED THIS ON THIS DATE, AND SENT THEM THIS LETTER ON XX/XX/2024. UNFORTUNATELY, THE INCORRECT INFORMATION AND ACCOUNT IS STILL SHOWING IN MY CONSUMER REPORT.. 


BELOW IS THE SUMMARY OF DISPUTED ITEM/S : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I recently reviewed a copy of my credit reports and noticed I had a fraudulent accusation on XXXX XXXX and Equifax. Please remove the accounts from the 2 credit bureaus mentioned they are hurting my ability to obtain credit
Consumer complaint received 2023-10-09
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: DISCOVER BANK (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-10-09
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. (FL)

Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.
Consumer complaint received 2024-04-07
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. (FL)

It is illegal to report transaction history. Reports containing solely information related to transactions are to be excluded from a consumer report and undermine my privacy rights and withdrawn consent. The mailed and unaddressed letter listing the offending accounts is attached. No action has been taken by the CRAs in spite of the duties provided by the FCRA.
Consumer complaint received 2023-09-22
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. (DE)

My consumer rights are being ignored and violated. I have tried to resolve with the company but to no luck. I am attaching how I feel my rights have been violated with the dates and verifications to have this resolved. Thank you
Consumer complaint received 2024-04-07
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: EQUIFAX, INC. (MD)

hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. who's studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2023-10-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IN)

My loan was put into administrative forbearance against my wishes. Anytime I tried to call Mohela in the past few weeks, I was never able to speak to a person nor given the chance to have them call me back.
Consumer complaint received 2021-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX CARD - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2022-11-28
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. (PA)

My name is 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.
Consumer complaint received 2023-01-13
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: Bread Financial Holdings, Inc. (IN)

This small account was opened under my name and information by a minor. It was brought to my attention through a credit monitor service and I paid it off and the account was closed. It doesnt look good on my credit. Ii have attempted to get it removed and have received no help. Its handled I just would like it removed.
Consumer complaint received 2023-11-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (MD)

I applied for a credit card on XX/XX/23 and got denied. The credit card was Apple Card. A consumer credit transaction in 15 USC 1691 defines the Equal Credit Opportunity Act. This prohibits creditors from discriminating against credit applicants. I have the right to credit.
Consumer complaint received 2023-01-23
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. (LA)

Fed loan services is reporting XXXX confidential non public personal information. XXXX XXXX is dependent on privacy. XXXX in XXXX does not Include Transactions and Experiences between consumer and person making the report
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (FL)

I signed up for 2 month deferral and they granted it to me mid XX/XX/2023 after i lost my job but they did not complete the paper work in their system ... so around mid XXXX they sent me a letter i was in default and in a few days would repo mycar ... so they approved me again for the 2 month deferral and I saved my car from being taken and they still ruined my credit in 2 areas on my XXXX XXXX for all bureaus .. and will not fix it.. i took a huge dip in my scores because of them and this one area still says i was late in hte 30 to 60 day area and that is ruining my good name of years of on time good payments with all creditors and i am trying ot buy a house very soon.. I demand they fix all areas that show any thing negative about me and reverse the comments back to never late etc..