davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-17
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: AMERICAN EXPRESS COMPANY (NY)

On XXXX XXXX XXXX Charges were made to my American Express account as a result of a scam. I was being coerced to purchase XXXX XXXX XXXX using my Amex credit card. In addition, Amex XXXX cards were purchased online that I did not authorize. The total purchases that I am being held accountable for is {$6500.00}. No services or funds were received. 
On XX/XX/2024 a deposition was filed with XXXX XXXX XXXX Police XXXXXXXX XXXX and a formal complaint was filed with the Federal trade Commission. The American Express card was cancelled and a certified letter was sent to American Express outlining the the formal complaints that were initiated. 
I contacted the American Express fraud department and was told that i would not be responsible for the charges until further investigation. On XX/XX/2024 Amex sent an email stating that the total charge of {$6500.00} would go back on my account. I contacted the fraud department again. No reference or acknowledgement was made by the Amex fraud department to insure that the steps that I took to report fraudulent activity would be of any consequence. 
XXXX  XXXX XXXX kept me informed of the status of my account, that had a similar situation, by mail and email. AlXXXX XXXX XXXX XXXXXXXX XXXX charges were resolved and there was no impact on my account.
Consumer complaint received 2018-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (CA)

I filled a claim related to my lost luggage during travel in XX/XX/2017. The claim was filed with the XXXX a Chase claims provider. This insurance was provided on my Chase XXXX XXXX card that I had at the time. 

I filed the case for my lost phone, as it was stolen out of my check-in bag during travel.After sending them numerous calls and emails I haven't been able to get them to understand that it is practically impossible for me to report this loss to the airline immediately after I come out of plane. Also as this was international travel and the phone was in check-in luggage, I did not get the bag for around 1.5 hours after coming out of plane, and I did not open the bag until I reached home. 

My claims keeps on getting rejected on the basis that I did not inform the airline in time, whereas I have provided proofs to them with my flight tickets and also my communication with the airline. 

Claim number with eclaimsline : XXXX Last four digits of my credit card : XXXX
Consumer complaint received 2023-08-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Consumer complaint received 2023-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

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 2022-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the accounts : XXXX XXXX : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2019-11-29
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: PNC Bank N.A. (PA)

On XX/XX/2019, XX/XX/2019 and XX/XX/2019 PNC Bank run a credit check more than once after issuing me a secured credit card. I followed through promptly with the bank but nobody issued me a solution or try fix this.
Consumer complaint received 2022-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I started a dispute with XXXX and Equifax. Equifax mailed a prove of identity, for th4 name XXXX XXXX XXXX. I am XXXX XXXX no middle initial, I don't have a XXXX for middle initial. I received dispute results from XXXX with information that I have no knowledge of, that does not belong to me.
Consumer complaint received 2023-11-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL (MI)

Informed Collection Company that since I am XXXX and on only Social Security XXXX that I am no longer collectable. 
Collection account is continuing to be " Sold '' to other companies after being informed of my collection status. XXXX XXXX, XXXX account information, same amount!
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Certified mailed of dispute to Transunion in XXXX to remove incorrect name and incorrect employment and information under status of employment ( XXXX ). When a received copy of report all the incorrect information was not removed as requested.
Consumer complaint received 2023-06-19
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. (NY)

In accordance with the Fair Credit Reporting act 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 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (NC)

On XXXX XXXX, 2024 my husband and I were victims of XXXX. A Navy Federal Credit Union " impersonator '' spoke with me regarding " XXXX XXXX '' on my account. They told me someone in XXXX tried to take out a loan in the amount of {$4900.00}. I told this person that was not me so they canceled my debit card and started working on stopping that transfer. I stayed on the phone with this person for over an hour, I did NOT give out any of my personal information to this person. They verified information with me but again, i did not give them any information. They provided the information and I simply answered yes. This person added themselves as a member to our online banking account then transferred {$4900.00} out of our account. I immediately called NFCU to report this as XXXX On the phone, the representative for NFCU told me this person XXXX my personal email, found all of my log in information there then signed in to our account. She told me my funds would be credited back to our account within XXXX days. Within XXXX days, our money was returned and we thought things were fine. Now, XXXX months later, NFCU has decided it wasn't XXXX and took that {$4900.00} back from our account. Ultimately this overdrafted our account and we had to use half of our savings to get our checking account back to XXXX. NFCU took our overdraft protection to pay themselves back after taking those funds back. We never received an email, letter in the mail or message through their secured portal regarding this denial. When my husband called, we were told our paper claim was denied. We didn't file a paper claim. I decided I would file an appeal that was also denied. I requested information regarding the XXXX investigation and all I have received is step by step instructions on how to view our monthly statements. I was told I couldn't have other documenation due to company policy and " personal '' information. None of this makes sense. We did not give this person permission to add themselves to our account and NFCU never flagged this activity at all. My husband is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. He is currently XXXX in the XXXX XXXX so as you can imagine, this is not an easy sitation to deal with. Please help us get our funds back.
Consumer complaint received 2022-11-25
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: EQUIFAX, INC. (OH)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2023-10-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Stewart Information Services (LA)

I recently went over amounts of different fees on mortgage statement ; by hand. What I discovered was deliberate fraud, misleading information, accounts added claiming we signed for other loans and amounts ( these same accounts were paid off by us before we went to closing ). 
The discrepancies that are on the loan are very deliberate and there is no way for these amounts to have been mistaken. 
We were charged XXXX  of dollars more than what we should have been. 
I have contacted the title company ( that originally did our loan paperwork and have been given the run around by this company as well.
Consumer complaint received 2022-12-11
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. (OK)

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 : # XXXXXXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-11
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. (OK)

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 XXXX XXXX # XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX  : # XXXX XXXX : # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-10-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (VA)

On XX/XX/2022 I called to request the funds I payed toward by student loan during the pandemic relief period be refunded. I was not given a confirmation number, though I did receive an email saying the request was received. I was also not given a timeline as to expect the request to be processed. I'm trying to get the refund so that I can apply for relief before my next payment due at the end of XXXX.
Consumer complaint received 2022-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc. (MI)

XX/XX/2022 ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] [ XXXX ] SSN : [ XXXX ] | XXXX : [ XXXX ] PHONE NUMBER ( XXXX [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX ] Account Number : [ XXXX ] Reason : [ NEED UNWANTED INFORMATION FROM CREDIT PROFILE PLEASE HELP ASAP ]
Consumer complaint received 2022-12-10
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. (NJ)

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. 

Account name : # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

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 ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Please remove these items immediately : XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/ XXXX - XXXX XXXX  Inquired on XX/XX/ XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX  XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

On XX/XX/2005 there was an account open in my name and social security number due to identity theft by someone who stole and sold my identity. This account doesnt belong to me and is on my Equifax credit report. The account number is XXXX, the amount is {$780.00}. 
I have called this company numerous times to get this resolved and they just put me on hold and never come back to the phone. Ive tried to get this resolved with Equifax as well. 

The company name is XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX
Consumer complaint received 2022-12-10
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. (CO)

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, XXXX, XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc. (MI)

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX Account Number : [ XXXX Reason : [ NEED 90 DAY LATE PAYMENTS REMOVED HAVE NO IDEA OF THIS ACCOUNT NEED REMOVED ASAP PLEASE. ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 10 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX ]
Consumer complaint received 2021-01-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OneMain Finance Corporation (TX)

I have tried numerous times since XX/XX/XXXX to get a loan ( using my XXXX XXXX XXXX XXXX as collateral ). All 3-4 times were initiated by XXXX XXXX stating that my loan was guaranteed Pre-Approved and even 100 % approved for even more than I had requested. Each time I went through the entire application process being told by One Main that my loan was guaranteed and each time I was denied at the last minute including this week! I am completely baffled and dumbfounded by the false advertisement and lack of professionalism & competency of this business and how they continue to exercise business this way!! I have proof of each time of going through this process including email communications and screenshots of guaranteed approval.