davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KY)

XXXX XXXX  doubled charged me keep it open for 4 years just to ruin me they said it was closed a while ago so where did all that big XXXX come from my credit limit was XXXX and they trying to say i owe XXXX their ant no way if they closed it, and they just put numbers together i even tried to work with them and everything nobody wants to help me.i just don't like people taking advantage of me like this if u closed it why bill for 3 years after u closed it doesn't make since just fee changing XXXX XXXX This account is currently under dispute under dispute Account info Account name XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$740.00} written off. {$740.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$740.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$300.00} Highest balance {$740.00} Terms - On record until XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-03-05
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. (TX)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 2022-11-21
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. (VA)

The unverified accounts indicated below, continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-17
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. (TX)

Please remove the accounts XXXX XXXX XXXX XXXX-XXXX  from my credit report. I sent a dispute letter to the collection agency, and they said they would remove this account, but I am still seeing it on my Experian and XXXX credit report. XXXX has removed this account. Please see the attached dispute letter that was sent to the company on XX/XX/22 which is dated, and time stamped. It has been over 5 months since my letter was sent, remove this account within 15 days of receipt of this complaint.
Consumer complaint received 2020-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX an account from XXXX XXXX was reported to my credit profile. Available data shows the last payment on this account was made on XX/XX/XXXX. According to the State of California, the state I reside in, the statue of limitations for reporting of this type of account is 4 years. Today is XX/XX/XXXX and is past the date the law allows this to be reported.
Consumer complaint received 2022-11-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hello, Once Again Im contacting your office regarding the accounts, I recently sent letter to you all to investigate. I am a victim of Identity theft dating back from 2021. 

Regarding the fraud account reporting on my credit report, I requested that you all provide me all documentation regarding the account and validate the information. You all have not abided by the FCRA laws, and this is because a big issue. 
I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Please see the account below XXXXXXXX XXXX XXXXXXXX Account XXXX The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA Thank You, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (OH)

Chase offered discounts on certain products to purchase using rewards points earned on credit card. Over a month and the order is still not received. Customer Service was rude and unapologetic for the lack of coordination with Chase 's vendor to fulfill orders. Information about the status and communication of the status was not readily available and difficult to ascertain.
Consumer complaint received 2023-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Dave Operating, LLC (WI)

I filed a dispute for charges on my account on XXXX totaling {$480.00}. I did not make this transaction, and it is my belief that my card information was compromised. I submitted the appropriate forms with the bank stating I did not make the transactions listed. I tried reaching out to the merchant to see if they could verify the transactions and attempt to report the transactions. The merchant was unable to verify the transactions. The bank denied my dispute stating they needed additional information for the dispute and stated the decision was final. I am unable to find additional proof that the charge was fraudulent. I lost a lot of money that day and the bank has not been helpful in helping me recover my lost funds. No follow up on their investigation was included and their lack of reasons why my dispute was rejected is frustrating.
Consumer complaint received 2023-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (NC)

This is in regards to my secured credit card I never got refund it was XXXX XXXX and I had several calls and messages they send me a letter that they made a check and was not cashed after that they said that some person name XXXX cashed the check with a bank or check cashing place they said they where going to investigate and call me never resolved and never heard back from them XXXX time trying and they send a proof of a checked cashed for XXXX with someones else name to this day never fix the ploblem I have letters and proof in regards to this matter I would like to know how to go about this matter issued unsolved since XX/XX/XXXX XXXX also got charged with a lot of fees in the pandemic when I called and told the I had XXXX and couldn't work
Consumer complaint received 2023-06-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (GA)

I left Wells Fargo awhile back after 2017 give or take. Numerous overdraft fees every day all because my account went XXXX dollars under. Then I get charged XXXX dollars a day. So before I realize my account is negative by XXXX dollars I owe XXXX dollars. I went on a cruise and my account went negative by cents. And I received a fee every day while I was out of country and they would only compensate me for half of XXXX dollars in one week of overdraft fees. I was wondering if there was any compensation for me through the law suit.
Consumer complaint received 2023-06-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NY)

My student loans are transferring from Great Lakes to Nelnet this month. My account is closed at Great Lakes as of XX/XX/XXXX. As of XX/XX/XXXX, I am still waiting to receive any communication from Nelnet about setting up an account there. I have reached out to Nelnet and not received a response. I have heard terrible things about Nelnet and am suspicious.
Consumer complaint received 2023-06-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TN)

I consumer XXXX XXXX reviewed a copy of my credit report and understand that National Credit Systems is violating my rights by trying to collect an alleged debt that they are trying to defame my character by placing it on my credit report. I will not continue to allow my right as a consumer to be violated. Under 15 USC 1692, I have laws that protect me as a consumer. This company has violated these laws and I am demanding a remedy and deletion of this account. 

15 usc 1692 a ( abusive practices 15 usc 1692b communication by post card 15 usc 1692 c communication 15 sc 1692d harrassment 15 usc 1692e false or misleading representations 15 usc 1692 f unfair practices
Consumer complaint received 2023-04-10
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. (FL)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/XXXX purchase was made from my business credit card with Bank of America at XXXX XXXX XXXX in XXXX XXXX. in the amount of {$460.00} Called BOA Rep to report it. They said there was no phone # associated with that entity. 
They said that the card was " swiped '' at a terminal and a PIN was used. 
This card has never left my possession and I have never been to this location. 
I also have never used a PIN # BOA Rep said they would start a thorough investigation and that it could take up to 90 days. Not too long after that I received a letter from them saying they had thoroughly investigated the fraudulent charge and that they could not help me as a scan was made at the purchase. Which duh! we had already determined. 
However, I repeat : the card never leaves my person or place of residence, which is XXXX XXXX in XXXX XXXX. 
Note : this had happened once before at a terminal in XXXX. Same story, it wasn't me. And BOA did dismiss the charge. Of course I always immediately cancel card and request a new one. 
Our business has been a customer of this credit card company since XXXX. There are 5 of us issued cards with them. Monthly statement balances are always paid in full and on time.
Consumer complaint received 2022-11-14
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. (NY)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which 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 are not relating to any transaction by the consumer. 
XXXX* Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00}.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-28
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: Experian Information Solutions Inc. (FL)

I have contacted Experian in regards to a XXXX account this isn't accurate on my credit report. Experian has violation my rights as a consumer and failed to provide me any validation in regards to the account. They are also reporting a po box on my credit file that I was never affiliated with. I have mailed them a letter certified mail with a tracking number and they are stating that they never received my letter for this dispute which is another violation of my consumer rights. I can provide my tracking number which is through USPS XXXX
Consumer complaint received 2022-11-14
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items : 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-06-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA (TX)

Marcus ran a promo in XXXX for {$100.00}. I met the conditions and received an email acknowledging. {$100.00} should have been paid out in XX/XX/XXXX. Called two times and Marcus both times agreed I should be paid. 1st call, agent said case would be open. On 2nd call, agent said no case existed. 2 call agent said that Marcus will manually review and pay whenever. They have no ETA which is unfair given the XXXX XXXX XXXX XXXX Online Savings Account {$100.00} Cash Bonus Offer Terms Offer valid from XXXX XXXX XXXX ( the Offer Period ). 

To qualify for the {$100.00} Cash Bonus ( the Offer ), you must enroll a Marcus Online Savings Account in this offer at https : //www.marcus.comXXXX or by calling Marcus at XXXX ( XXXX ) by XXXXXXXX XXXX  ET on XXXX Upon successful enrollment you will receive a confirmation of your enrollment via email or U.S. mail. 

After enrolling, you must deposit {$10000.00} or more in new funds from an external account into your Marcus Online Savings Account within 10 calendar days of enrollment ( the Funding Period ). The account balance plus a minimum of {$10000.00} in new funds ( the Required Dollar Amount ), must be maintained in your Marcus Online Savings Account for 90 consecutive days from the date of reaching the Required Dollar Amount. The account balance is based on the starting current balance reflected on your account at XXXX XXXX. ET the day you enroll. Once the Funding Period has ended, your Marcus Online Savings Account balance may not drop below the Required Dollar Amount at any point until after the 90 consecutive days have passed. You may make multiple deposits within the Funding Period to reach the Required Dollar Amount. Internal transfers do not count for the purposes of this Offer. 

If you choose to enroll a different Marcus Online Savings Account, you must deposit {$10000.00} or more in new funds from an external account into the newly enrolled account within 10 calendar days of enrollment, even if you have reached the Required Dollar Amount in a previously enrolled account. 

The {$100.00} bonus will be deposited into your Marcus Online Savings Account within 14 calendar days after fulfilling the above requirements. To receive your bonus, your account must be open and in good standing at the time the bonus is deposited in your account. The bonus will be treated as interest for tax reporting purposes. 

Offer available to new and existing customers. Each customer is limited to one cash bonus offer. This Offer can only be applied once to an account. If an account has multiple owners, the account is limited to being enrolled for this Offer under one account owner and receiving one cash bonus. Remaining account owners may be eligible to use another eligible account to enroll in this offer. This Offer may be combined with other promotional offers available to Marcus Online Savings Account customers.
Consumer complaint received 2023-03-04
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. (CA)

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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-07-20
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (CA)

For quite some time now, I've been entangled in an ongoing dispute with JPMCB Auto. Their contact information is as follows : XXXX XXXX XXXX, XXXX XXXX, TX XXXX. They have been providing erroneous information to the credit bureau, which has had a detrimental impact on my credit standing for years. The account in question should have been closed and fully paid off, and there should be no reporting of any monthly payment. However, they persistently report a monthly payment of {$6100.00}, significantly damaging the Debt-to-Income ratio on my credit file.
Consumer complaint received 2023-06-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: PENTAGON FEDERAL CREDIT UNION (VA)

Hi- I went to Penfed CU on XX/XX/2023 to apply for an auto loan with my XXXX. The banker helping XXXX named XXXX asked a colleague named XXXX to help her. XXXX took my drivers license and made comments about my age multiple times in-front of my XXXX  and XXXX. She stated multiple times because I am young there may be a chance I will be denied. I am over XXXX. Unfortunately, I was denied and XXXX proceeded to state it is because of my age. I was discriminated against due to my age by XXXX at Penfed Credit Union.
Consumer complaint received 2022-11-21
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 2020-12-14
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: Experian Information Solutions Inc. (NV)

I just received a copy of my credit report and I noticed these hard inquiries are fraudulent. Soonest I finished reading my report I went to my experian account and lock my credit report to avoid these things from happening again. 

XXXX/XXXX XX/XX/2020 XXXX/XXXX XX/XX/2020