davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (PA)

On or about XXXX, XXXX, XXXX my debit card ending # XXXX was used to make unauthorized purchases and withdrawals in the amount of XXXX $ I submitted a fraud complaint case ( # XXXX ) XX/XX/XXXX ; while detained in a Pennsylvania XXXX XXXX XXXX Once released on XX/XX/XXXX I was able to formally inform the fraud department by phone numerous occasions and was directed to wait the mandatory XXXX day review period which ended on XX/XX/XXXX. I subsequently forwarded more evidence i.e. Police Report, POA, to rebut the first Denial to no avail. I contacted the fraud department numerous times from XXXX XXXX XXXX, XXXX under the impression that a second claim was initiated by following instructions given by a fraud agent during a phone conversation on or about XX/XX/XXXX. Their terms and conditions don't explicitly state the prerequisites on how to initiate a second fraud claim nor was I explained that internal due process. I deem my consumer rights have been denied by this lack luster administrative process...
Consumer complaint received 2018-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (FL)

I have a Chase Sapphire Reserve card which comes with a membership to a program called Priority Pass which allows access to airline lounges. I traveled out of the country on XX/XX/XXXX and realized when I was at the XXXX International airport that I left the priority Pass card at home. I made 4 phone calls to Chase to ask for my membership number for Priority Pass ( so that I could be allowed to enter lounges while traveling ) but eventually I was told that the department that could give me my number was closed on the weekends but that if I paid for a lounge at each of the airports I would be traveling through on my trip, using my Chase card and that when I returned I would get a refund of my money. I clarified that this was truly the case and was told that I would get refunded the money. On XX/XX/XXXX I used a lounge in XXXX for which I was charged {$110.00}. I did not use any other lounge on my trip. When I returned I called Chase Sapphire Reserve twice about this matter and received a letter in the mail each time stating that they would not refund the charge since in XX/XX/XXXX they had reimbursed {$40.00} for another lounge I used ( this was because I had not received my Priority Pass by mail in time for my trip ). I was told on the phone very clearly that Chase would refund the cost of the lounge but now I am not getting the refund. I don't think this is fair especially since there Priority Pass department is closed on the weeekends and since I pay a {$450.00} annual fee for the card to get benefits like Priority Pass.
Consumer complaint received 2024-03-27
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. (MD)

I am writing to formally dispute the inaccurate student loans showing on my credit report, and I believe it is essential to address these issues promptly. 
I request that you immediately delete and block all the student loans from my credit report. This incorrect information is damaging my credit score and impacting my ability to obtain credit at favorable rates. 
Please note that I am aware of my rights under the Fair Credit Reporting Act ( FCRA ). I have the right to accurate information on my credit report and to dispute any inaccuracies. 
I urge you to investigate this matter thoroughly and expeditiously, and to notify me of your decision within 30 days as required by the FCRA. 

Sincerely, 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)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 XXXX
Consumer complaint received 2022-11-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (OK)

Last week of XXXXXXXX XXXX  my XXXX and I were finalizing paperwork in order to close on our first home. During that week we went to XXXX XXXX XXXX ( XXXX ) and purchased a refrigerator online and though AFFIRM Financing. Delivery date was to be on Saturday, XX/XX/2022. Several days later we called local lowes her in XXXX Oklahoma to cancel order for we found another refrigerator from a different competitor. On XX/XX/XXXX around XXXX I recieved a call from XXXX XXXX that they were enroute to deliver refrigerator!! I told them that the order had been cancel, I also explained that the residence was vacant due to delayed Closing on house and that we had bought another refrigerator elsewhere. Delivery driver stated that they would take care of it. 
About 45 days later now in late Month of XXXX I started receiving calls from AFFIRM Financing regarding missed payment for loan. I explained to them we did NOT receive product and explain to them the above situation that happen. I filed a formal complaint with AFFIRM in XXXX where they stated they will reach out to me in 3 to 5 days and it may take several weeks for them to investigate. I heard nothing from them only have them close out case with NO response. I submitted documents at their request as well. They continued to several times a month at each time I filed complaint for them to investigate. Each time they closed case without follow up. They told me to work with XXXX to find out problem. XXXX only told me to work with Affirm. I have been to XXXX several times to retrieve whatever documents they had of delivery. They stated from there end that Product was DELIVERED!! When I ask for signature confirmation, they had none and stated the delivery service was a sub-contractor. 
After much frustration I was finally able to talk to a XXXX at AFFIRM in late XX/XX/2022. Take also into account Affirm had already reported to Credit Agency and placed collection with credit Agency. The XXXX stated he would expedite the case and have decision. He closed this case in short time 36 hours when he stated investigation would take 15 days. 
I am being forced to take on a Debt for item I NEVER received and little help has been made to rectify this. There is NO sign confirmation of delivery nor item of delivery.
Consumer complaint received 2022-11-03
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. (NY)

I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Consumer complaint received 2022-11-03
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. (DE)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 6 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/XXXX XXXX
Consumer complaint received 2018-04-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MD)

Hello, I would like to file a formal complaint against Wells Fargo Bank. Less than a year ago, my husband and I purchased a foreclosed home from Wells Fargo Bank ( they are listed as the Seller on all of our closing documents ). We were informed that the home came with a home warranty up to {$1500.00} maximum for repairs only. When we tried to use the home warranty for a crack in the foundation that grew significantly bigger over the months ; Wells Fargo stated that they could not identify our home warranty and that a home warranty did not exist. 

It was extremely frustrating because we have contacted the Seller 's Real Estate Agent and he instructed us to contact Wells Fargo. For days we called Wells Fargo and no one could provide a definite answer regarding the home warranty, advice about who to contact or anything. We even contacted Wells Fargo 's Customer Service, Asset Managers, and the Executive Headquarter Office and all we received as an answer was that " someone would contact us ''. No one has contacted us yet. The information that a home warranty accompanying our home is fraudulent and Wells Fargo states that they don't not know anything about it. 

The mortgage is not through Wells Fargo. Wells Fargo sold us the foreclosed home and is listed as the Seller on our Closing Documents. 

Your assistance in looking into this matter will be greatly appreciated.
Consumer complaint received 2022-11-03
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 ( 15 U.S.C. 1681 Section 602 A states I have the right to privacy ; 15 U.S.C. 1681 604 A Section 2 also states a consumer reporting agency can not furnish an account without my prior written consent. I have not consented to this transaction ), the following listed accounts have violated my rights : XXXX, XXXX. Acct # XXXX XXXX, XXXX Acct XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX Acct # XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Acct # XXXXXXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXXXXXX XXXX Acct # XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX - XXXX XXXX Acct # XXXX US DEPT. OF EDUCATIONXXXX Acct # XXXX US DEPT . OF EDUCATIONXXXX Acct # XXXX US DEPT . OF EDUCATIONXXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX Bankruptcy Reference Number : XXXXXXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX
Consumer complaint received 2022-11-03
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. (MI)

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 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 an 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 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-11-03
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. (TX)

to my knowledge I'm dealing with inaccurate incomplete and misleading information on my credit report that this company failed to thoroughly investigate. Anything being reported about me should be reported 100 % accurate.
Consumer complaint received 2022-11-03
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. (FL)

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 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 : # XXXXXXXX XXXX XXXXXXXX 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 2022-11-03
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. (FL)

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 XXXXXXXX XXXX : # XXXX, XXXX XXXXXXXX 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 2022-11-03
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: NAVY FEDERAL CREDIT UNION (AZ)

On XX/XX/2022, I purchased a desk top computer and software, XXXX XXXX from XXXX XXXX. But during the purchase process, there were problems, and so I cancelled the order by phone with XXXX XXXX. The told me it was done. However, the XXXX credit card I have with the Navy Federal Credit union was still charged the full amount for both products {$900.00}. I called XXXX XXXX again and told them I had cancelled both, and they said they would take care of it, however, they only credited the amount of the desk top {$850.00}. The charge for the XXXX XXXX was not credited. I went into XXXX XXXX  website and chatted with a representative, who told me that that was a separate charge done by XXXX and I would need to call them, which I did. They told me that XXXX XXXX charged the amount, and therefore they were the ones to deal with. The problem however, is with the XXXX XXXX XXXX XXXX I notified them by their website, sent them a copy of the receipt, copy of the XXXX statement. They declared that wasn't enough, that I would need to send a cancellation of the software. I obtained that from XXXX XXXX, and forwarded it to them. They said that the cancellationn of the software didn't indicate the amount and therefore they could not approve the discount. When in fact, the XXXX statement reflected the whole transaction process. They have since closed my request. And I don't know why. All I want is the refund {$53.00} credited to my account.
Consumer complaint received 2022-11-03
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. (NY)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-11-03
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 recently pulled my reports and noticed you are reporting the incorrect high balance, incorrect date of last activity, and incorrect payment history for account ( XXXX XXXX ). Because the high balance, date of last activity, and payment history being reported by your company, XXXX, and Equifax are different, this means that the account has not been properly verified. You are in direct violation of my FCRA rights of my credit report being 100 % accurate, the information is coming from the same data furnisher, therefore all the information being reported should be the same across the board. Please delete this account immediately!
Consumer complaint received 2022-11-03
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)

I recently pulled my reports and noticed you are reporting the incorrect high balance, incorrect date of last activity, and incorrect payment history for account ( XXXX XXXX ). Because the high balance, date of last activity, and payment history being reported by your company, Transunion, and XXXX are different, this means that the account has not been properly verified. You are in direct violation of my FCRA rights of my credit report being 100 % accurate, the information is coming from the same data furnisher, therefore all the information being reported should be the same across the board. Please delete this account immediately!
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

On XX/XX/2023 I began sending letters to you and to XXXX XXXX informing you all that there was an account on my profile that I needed to have validated and was also reporting inaccurately on my report. There was a creditor remark added to my profile stating " Account information disputed by consumer, meets FCRA requirements ''. How is this possible if the account is still reporting incorrectly? This is misleading and goes against my rights as a consumer. I reported that this account was also reporting an " Open account '' status, yet no changes have been made on my account. Also, after many attempts at having this resolved, the dispute status remains " Account not disputed ''. There are several errors on this account that you are reporting on my profile and I am requesting that this be deleted due to the inaccuracies.
Consumer complaint received 2017-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MD)

I have an account on my credit report that is not mine I asked them to send me verification and they sent out a billing statement nothing more .... I disputed it again with the credit bureau and they said they verified the account but how when they only sent me a billing statement I keep disputing this and filling complaints over and over and over and over it is not my account the people who put it on there repeadly say they can not speak to me about this account ...  .I  even got it deleted in  XXXX  and they put the account back on my account and changed the amount owed just to place it back and even changed the name