davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NY)

I added XXXX XXXX as an authorized user on XX/XX/XXXX to my Sapphire Reserve card. On XX/XX/XXXX XXXX XXXX applied for his own Sapphire Reserve card and got approved for it. I was charged {$75.00} for his use of the card on XX/XX/XXXX and {$75.00} again on XX/XX/XXXX. Since I myself wouldnt be allowed to apply for two Sapphire Reserve credit cards at the same time, it was my understanding that once XXXX XXXX applied for his own Sapphire Reserve card that he would automatically be removed as an authorized user on my card but it doesnt seem like he was. There wouldnt have been any way of me knowing I needed to manually remove him from my card as an authorized user as there wasnt any clear messaging to let me know this. I noticed he was still an authorized user on XX/XX/XXXX when reviewing my account activity and immediately sent a message to customer service through the secure message center within my online banking app to remove XXXX as an authorized user and to request a refund of the {$75.00} annual fee I was charged on XX/XX/XXXX. On XX/XX/XXXX when I log into my account and still dont see a refund for the {$75.00} I called into customer service and both a regular representative and a supervisor declined the refund saying the system wouldnt allow them to credit back the fee. It is unfair for me to pay this fee especially when XXXX has had his own Sapphire Reserve card since XX/XX/XXXX and has not used his card under my name since then. I have been a customer with Sapphire Reserve for many years now and never called in to request any annual fees to be waived and have consistently given Chase my business tens of thousands of dollars in business every year. I am very disappointed today to find out that a simple {$75.00} cant be credited back to me. Its a reasonable request back by sound logic. I have choices when it comes to this tier of credit cards and I have consistently stuck with Sapphire Reserve but it doesnt seem like the customer service is there to back up this card as I had hoped. I am seriously considering downgrading this card and moving on over to XXXX XXXX XXXX credit card if this issue cant be resolved. There would be little incentive for me to continue to give my business to Chase.
Consumer complaint received 2022-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

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


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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

At this point you are not allowing me my legal access to the information on my personal credit profile as provided by the FAIR CREDIT REPORTING ACT. I am requesting to you to please release my personal credit report. I have included copies of official documentation confirming my drivers license, date of birth and social security number as required by you to verify my identification.
Consumer complaint received 2022-10-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

This is my NUMEROUS 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 Balance : {$0.00} ; XXXX XXXX XXXX XXXX  Balance : {$970.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$910.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX  XXXX Bankruptcy US XXXXXXXX XXXX XXXX XXXX XXXX Reference XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX Bankruptcy U.S. Bankruptcy XXXX Reference # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-26
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. (TX)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities. 

I'm hoping to seek assistance from the Consumer Financial Protection Bureau ( CFPB ) in investigating these discrepancies and resolving them appropriately. With the CFPB 's expertise and involvement, I believe we can work together to restore the accuracy of my credit report. I would greatly appreciate your support in this matter!
Consumer complaint received 2023-06-23
Product: Credit card or prepaid 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: WELLS FARGO & COMPANY (TX)

Dear CFPB, I am writing to lodge a complaint against Wells Fargo Bank for their unprofessional, unreasonable, and deliberately troublesome approach towards customers, resulting in wasted time and a lack of resolution in handling disputes. 

I recently encountered a dispute with XXXX regarding an order. I have already returned the merchandise, but the XXXX system has not been updated. Despite my numerous attempts to contact them and reach out to USPS to locate the package, which has already been picked up, I have been unsuccessful. 

Therefore, I had no choice but to initiate a dispute through my bank. However, Wells Fargo has been the least competent among the banks I have dealt with when it comes to handling disputes. They lack the necessary expertise and only waste customers time. After waiting for 15 minutes, they transferred my call to the dispute department, where I had to explain everything all over again. This is a deliberate attempt to inconvenience customers and waste their time, ultimately leading them to give up. 

In comparison to the services provided by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, my experience with Wells Fargo has been extremely disappointing. This bank should seriously consider shutting down and declaring bankruptcy. 

I sincerely hope that the authorities will oversee this matter. 

Sincerely, XXXX
Consumer complaint received 2023-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

On XXXX XXXX XXXX  I purchased a dress at a store which unbeknownst to me had a broken zipper. I immediately tried to return it, same day, and the merchant refused to help. 
They are an unscrupulous business. The woman working there do not speak english, and were nasty, and embarrassed me. 

This is in response to Citibank 's resolution of the dispute of {$59.00} at XXXX XXXX which is not in my favor. I have already submitted to Citibank in detail the nature of and reason for my dispute for the charge of {$59.00}, which was for a dress I was sold with a broken zipper. I have already attempted to no avail to return the dress to the business on XXXX XXXX XXXX which was the date of purchase. I will no longer engage in any further communication or interaction of any kind with this business either in person or by phone. Nor will I ever set foot in this business again. Firstly, there is a language barrier. Secondly, I will not lower myself again in an attempt to persuade or prevail upon non-English speaking individuals who see me as a nuisance and a joke at my expense. Individuals who have taunted and humiliated me within earshot and in front of other customers. It is not possible to reason with the unreasonable and unyielding. 

I have been a cardholder with Citibank for 12 years. I do not have a history of opening frivolous disputes over purchases using this card. With that all being said, I do expect my credit card company to support and protect me from unscrupulous business and their senseless policies. My dispute is about being sold a damaged item where the damage wasn't visible or obvious until after I purchased it. I simply wouldn't have made this purchase had I clearly seen the damage beforehand. The dress is unwearable as it is, unless I invest more money to have it repaired by a tailor. At my discretion and preference, I will not pay additional money to have the dress made wearable. This dispute should have been resolved in my favor weeks ago and Citibank has allowed it to continue.
Consumer complaint received 2022-11-13
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. (GA)

Please be advised that this is my SECOND WRITTEN REQUEST asking Experian to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. Experian is required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of Experians first re-investigation, Experian stated in writing that theyve verified that these items are being reported correctly. Where are the documents that Experian used to verify these accounts? What is the name of the person who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. What this means is that Experian must be willing and able to produce a document in their files that proves the accounts in dispute belong to me and the information being reported is accurate and they must be able to do this in a court of law if I file a lawsuit against them. Someone in Experian must authenticate the documents in their files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged accounts and all that has ever transpired for the alleged accounts, under oath and under the penalty of perjury. As I am sure that Experian is well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on, and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). Experian have ignored request to provided me with the documents that they have in their files that were used to verify the disputed accounts which means that Experian have NOT verified or can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA Experian is required to promptly DELETE all information which can not be verified. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-01
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

From XX/XX/2023 through XX/XX/2023 my credit report has been accessed by XXXX XXXXXXXX XXXX. XXXX XXXX XXXX   XXXX, XXXX XXXX and several inquires from Capital One credit. I did not authorize any of these inquires. I have authorized Capital One to access my credit report only once and I now have ( XXXX ) inquires affecting my credit score. I want all these inquires removed immediately. I had a preauthorization/preapproval with Capital One bank only and authorized for my credit to be pulled once. Please see the attached documentation.
Consumer complaint received 2023-06-23
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: TOYOTA MOTOR CREDIT CORPORATION (FL)

The account in question is reported to have a derogatory rating, which is greatly concerning to me. I am worried about the impact it may have on my credit, as I have recently been denied a loan and my existing credit accounts have experienced increased interest rates. I want to emphasize that this negative rating has caused significant financial distress for me, and if left unresolved, it will continue to affect me both financially and emotionally.
Consumer complaint received 2023-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: DOLLAR MUTUAL BANCORP (PA)

Hello, I'm reaching out because of Dollar Bank and charging me overdraft fee too many times multiple times a month. I dont understand how I got overdraft when I get my paycheck for example today XX/XX/2023 and they charge me {$72.00} for XXXX different transactions.
Consumer complaint received 2017-08-28
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. (MD)

In XXXX of 2017 I wrote to Equifax, XXXX and XXXX asking them to verify several accounts that were unbeknownst to me and I have yet to see a response nor a change in my report. The accounts are as follows : XXXX -XXXX XXXX XXXX -XXXX -XXXX -XXXX -XXXX XXXX -XXXX XXXX XXXX XXXX XXXX -XXXX -XXXX XXXX XXXX XXXX -XXXX XXXX XXXX -XXXX -XXXX Equifax -XXXX XXXX XXXX XXXX -XXXX XXXX XXXX -XXXX
Consumer complaint received 2024-09-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Subject : Complaint Against Transunion for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Transunion for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXXXXXX XXXX Account Number : Date of Charge Off : XX/XX/year> Amount : {$3400.00} I have previously disputed the accuracy of this charge off account with Transunion and provided evidence that the information is inaccurate. However, Transunion has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Transunion refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Transunion for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Transunion upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-06-23
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 — Was not notified of investigation status or results
Company: CITIBANK, N.A. (FL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-06-23
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 — Was not notified of investigation status or results
Company: MoneyLion Inc. (FL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The Fair Credit Reporting Act gives me the right to contest any information on my credit report that I believe is inaccurate. The data included in it must be documented and validated before its shown to anyone else, because if not then there 'll just have been one person who wasn't doing their job - which means more mistakes! I challenge the reportability of the allegations within my credit report. 
They simply are not true! My credit report is riddled with errors. I will not accept or recognize the allegations and claims within the report as true without further evidence, which meets both federal AND state requirements for reporting! Please remedy the situation immediatelyNon-compliance with regulations and the law is never acceptable! The
Consumer complaint received 2024-03-26
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)

I sent this complaint to dispute certain information in my file resulting from items that i did not consent to authorize nor benefit from I recently became aware of. Please REMOVE this information no more than 4 days after receiving this letter as required from the law in the FCRA. 

I have no knowledge regarding the circumstances of this theft, and I possess no information concerning any suspects involved. It's crucial to highlight that I did not receive any funds, merchandise, or services as a consequence of this identity theft. Immediate steps are being taken to address this issue and prevent further damage to my credit record. 

Attached are supporting documents, including a copy of my identity theft report and any pertinent affidavits, to aid in the investigation and resolution of this issue. I respectfully urge you to conduct a thorough examination of these fraudulent accounts and promptly eliminate them from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-15
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: Experian Information Solutions Inc. (AZ)

On XX/XX/24 I sent Experian, XXXX, and XXXX a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. They have not even attempted to let me know this matter is being worked on.
Consumer complaint received 2024-10-15
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. (CA)

My consumer report shows identity theft-linked accounts I never approved. I recently informed you about this and now demand these accounts be blocked and removed from my report immediately. These false entries are causing me serious stress and misrepresent my credit. I'll take legal action if not fixed quickly. These fake items have prevented me from reaching key financial goals like buying a home and supporting my family.
Consumer complaint received 2024-10-15
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: EQUIFAX, INC. (AZ)

On XX/XX/24 I sent XXXX, Equifax, and XXXX a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. They have not even attempted to let me know this matter is being worked on.
Consumer complaint received 2024-10-16
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. (OH)

Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> My information may have been impacted by the Equifax, XXXX and XXXX XXXX XXXX and may have got into the hands of the wrong person
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.