davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-20
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. (MA)

Under the code 15 U.S. CODE  1666B Im entitled to get the following accounts cXXXX XXXX XXXX XXXX late payments removed XXXX XXXX/dept of ed removed
Consumer complaint received 2023-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (PA)

Well This started after An issue With another Vendor making charges To my account up to 10 Days before they were officially authorized to. I had reached out to My Bank Navy Federal for help. After expressing frustrations because they REFUSED to help me I started to get treated Rudely by their staff. After calling that out I'm suddenly incurring Returned Check Fees on payments I never authorized. I feel this is being done out of Spite as the Staff want to " teach me a lesson '' for responding to their rude and condescending behavior. This isn't the first time I've had such issues as I had a similiar occurance When I included them in a complaint made to the XXXX for allowing Vendors to take unauthorized charges from my account. Navy Federal claims us veterans are their mission but anymore it seems like helping fraudsters and unauthorized Vendors Rob us blind is their real mission
Consumer complaint received 2022-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Transunion continues to report a bankruptcy on my credit report and has stated that it is verified even though they are verifying the status through XXXX. XXXX advised that the bankruptcy reported has been removed from my credit report since XX/XX/XXXX but Transunion continues to report it. Transunion advised that they have not used XXXX since XX/XX/XXXX but continues to report false information given to them by XXXX. The New Jersey XXXX XXXX does not verify any information relating to consumer reports with credit reporting agencies. Transunion is reporting Inaccurate information on my consumer credit Report. This has caused damages and is a violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq., as amended. Transunion has been reporting derogatory and inaccurate statements and information relating to my credit history to third parties ( the inaccurate information ). The inaccurate information includes, but is not limited to, a public record judgment/bankruptcy. The inaccurate information negatively reflects upon my credit history which is preventing me from obtaining proper housing, etc. It is affecting my character and representation of being financially responsible as a debtor and credit worthiness. Transunion has been reporting the inaccurate information through the issuance of false and inaccurate credit information and consumer credit reports that they have disseminated to various persons and credit grantors, both known and unknown.
Consumer complaint received 2024-03-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

his serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2022-11-22
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. (PA)

XXXX XXXX XXXX  opened XX/XX/2014 is an account that was fraudulently open 8 years ago. 

Yes this is fraud, however ; this is an account older than 7 years and must be removed on that very fact alone.
Consumer complaint received 2021-03-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2023-05-26
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. (MD)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Consumer complaint received 2022-11-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

These credit bureaus continue to ignore my written request for disputes and there are " errors '' with their web applications that keep me from filing online. 
When I call in I get transferred, put on infinite hold, disconnected, or the run-around. 
There is incorrect information repeatedly reported regardless of the proof I send of payment, etc. 
I have been unable to get a mortgage and have an astronomical interest rate on my vehicle due to this and no resolution for YEARS.
Consumer complaint received 2022-12-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Collection Services, LLC (LA)

Account 1 : XX/XX/2020 {$14.00} Account 2 : XX/XX/2020 {$17.00} Account 3 : XX/XX/2020 {$14.00} Account 4 : XX/XX/XXXX. 2020 {$17.00} I reject your Offer to contract.I have not given my lawful authority for any non affiliated third party being in possession of my nonpublic personal information. This is a notice to cease and desist all communication pertaining to this alleged debt. I am not requesting validation of any alleged debt as obtaining nonpublic personal information without my lawful authority constitutes aggravated identity theft 18 usc 1028a. The balance reflects an extension of credit. The collection of this extension of credit would be a violation of the false claims act. I would like the name and address of the original creditor. I have reasonable cause to believe that the medical facility XXXX XXXX XXXX XXXX and that you both are trying to collect on this extension of credit through unlawful extortionate means. If there is any attempt to engage in any further collection activity on this extension of credit such as the furnishing of false credit information to the credit reporting agencies, I will file for suit for intentional infliction of emotional distress.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. 

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 2023-03-03
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. (FL)

I write to dispute the status of my XXXX XXXX XXXX XXXX XXXX credit card account which has been Closed BY Consumer requiring instantaneous and prompt mid cycle reporting as Closed By Consumer using the Metro 2 protocols for reporting Closed accounts. Since the account is inaccurately reported as OPEN, kindly investigate so that the account may be accurately reported as Closed By Consumer to avoid willful violations of the FCRA carrying {$1000.00} in statutory damages. Please send me an updated credit report by USPS upon completion of your investigation.
Consumer complaint received 2023-02-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I opened up a Chase Checking account with a bonus offer of {$300.00} if I had made a direct deposit of {$1500.00} or more into the account within 60 days. On XX/XX/XXXX, I made a direct deposit for {$1500.00}. Today is XX/XX/XXXX, and I still have yet to receive the bonus I was promised for meeting the conditions when I signed up for the account.
Consumer complaint received 2021-03-17
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: World Omni Financial Corp. (FL)

I started the lease with Southeast Toyota in XX/XX/XXXX - XXXX XXXX XXXX XXXX - 3 yrs, XXXX miles per year - I paid for XXXX of excess damage insurance with the dealer at the time of the purchase I paid every payment on time and returned the car in XX/XX/XXXX - The car had XXXX miles on the odometer when returned - The car had 2 hair line scratches aprox 1 inch length Southeast Toyota Finance sent me a bill of {$1100.00} for - {$800.00} for excessive miles - {$320.00} Excessive Wear I called Southeast Toyota and their response was - We show no record of your excess damage insurance - We have no idea what the miles allowed for your original lease was
Consumer complaint received 2022-11-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I filed 3 separate claims with Capital One on XX/XX/22 - XXXX, XXXX, XXXX. There had been over XXXX fraudulent charges on my checking account of about {$3000.00} over the course of 3 weeks in online transactions at XXXX, XXXX and XXXX, and XXXX. In under XXXX hours, I was notified by Capital One that my claims were denied and my disputes were closed. They told me my claims were closed because they did not follow a pattern of fraud because the charges took place at stores I personally and regularly shop at. I have evidence that my debit card information was stolen and have turned this information over to the police in XXXX  XXXX and filed a police report - Case # XXXX. Capital One has done absolutely nothing to help me or protect me as their financial customer of over two decades. I have also reached out individually to XXXX, XXXX and XXXX, and XXXX and received no help whatsoever from them.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Investigation took more than 30 days and nothing was changed when clearly there are misleading, incorrect, inaccurate items on my credit report..i have those two accounts attached showing those inaccuracies... I need them to follow the law because this is a violation of my rights!! The EVIDENCE IS IN BLACK AND WHITE ....
Consumer complaint received 2023-01-05
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: TEXAS CAPITAL BANCSHARES, INC. (TN)

XXXX at XXXX and XXXX XXXX  XXXX were my XXXX and XXXX attempts to open an online savings account. I received an error message of XXXX. When I called XXXX XXXX  to ask for help, XXXX answered. She told me this meant my application was hard rejected and no human there could override itXXXX XXXX XXXX will not open an account with me and really won't tell me a good reason why. It feels like they are either advertising a product they really don't sell ( marketplace deception ) or XXXX of some sort. Seems like a regulator needs to look into these business practices. Thank you.
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Global Lending Services LLC (TN)

They over charge me for one XXXX on finance for XXXX car they kept different amounts behind when they wasnt go from trans to XXXX every 2 weeks I had the car XXXX XXXX years seems like my amount never went down they been fraud a lot people and dealership did some things from looking at my paperwork
Consumer complaint received 2023-05-12
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. (FL)

I appreciate your taking the time to DELETE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

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 2023-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (IL)

As of XX/XX/2023 statement, my account ( XXXX XXXX XXXX ) is showing a credit balance of {$37000.00}. ( see attached ). On XX/XX/2023, pursuant to 15 usc 1666 I requested a credit balance refund. The request was sent by certified mail and received by Amex on XX/XX/2023. To date, I have not received my credit balance refund.
Consumer complaint received 2023-01-05
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SYNCHRONY FINANCIAL (AZ)

Synchrony Bank XXXX Synchrony XXXX XXXX XXXX misapplied payments to our account which placed our account in an " accounting hold '' state. This accounting hold delayed the posting of our payment by more than 30 days which triggered an automatic missed payment mark on both my wife 's and my XXXX and XXXX credit reports. 

The delayed posting payment was made on XX/XX/XXXX in the amount of {$830.00}. My wife spoke to XXXX at Synchrony customer service on XX/XX/XXXX and was told that it would take 45 days for the credit review. I spoke to XXXX at Synchrony customer service on XX/XX/XXXX and was told it would take 60 days for the XXXX XXXX. I was escalated to XXXX, a customer service supervisor, who said she could not help me. When I asked to be transferred to someone in the credit review or accounting department, I was told " they do not speak to account holders ''. 

I believe that it is the responsibility of Synchrony bank to correct its own errors in a timely manner when that error has caused detriment to the consumer.
Consumer complaint received 2023-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: GOLDMAN SACHS BANK USA (FL)

As of today, the Apple Card issued and administered by Goldman Sachs Bank is still reporting as an open and active account on my XXXX credit report. The account was closed in XX/XX/2022. Therefore, an update needs to be done to ensure that all credit reporting repositories show this information as a paid as agreed account, zero balance, closed by consumer.
Consumer complaint received 2023-03-24
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. (TX)

I am writing a complaint as a victim of fraud with CITI credit card. I received a call from CITI on XX/XX/XXXX regarding my credit card indicating that there was problem, I got transferred to fraud department and I was on a very long hold, then I got disconnected. I was not able to call them back as my phone cant allow an outgoing call. They never called my back. I stopped using the card after that call. On XX/XX/XXXX, we went to our credit union to report a fraudulent check we got from the mail upon arriving to the states on XXXX XXXX. The check was a check already issued by my husband amounting to {$130.00}, that same check was washed and placed {$5000.00} on it issued on my husband 's name and got cashed with different signature on the endorsement. By then we found out that there was several withdrawal done on our savings and checking account by the fraudster, the XXXX XXXX was alerted and reported to the fraud department. The same day of XX/XX/XXXX, I called CITI to find out what was going on on my account as there was unauthorized payment made from my checking account amounting to {$3400.00} on XXXX XXXX and another withdrawal of {$370.00} paid to the CITI credit card. The credit fraudulent charges continued after the payment was made by the unauthorized user. In XXXX, when I called them, my balance was up to {$6800.00} and some cents, I was shocked and asked them how did that came up to that amount when my credit limit is {$3900.00}. I did not received email or any kind of communication from them. They assured me that they investigate the case. On XXXX XXXX I received a collection call from them despite of the case being investigated, at this time my balance is {$7300.00}. I thought the card was closed, then how did it kept on going up. Also came to find out the the case was closed, that send denial letter which I have not received. ( I also have a mail thief case reported to XXXX XXXX XXXX ). I asked them why was is closed? I demanded to open it again because I dont believe I am responsible for all those charges. I was then told on XX/XX/XXXX that the case will be reopened. XX/XX/XXXX a call to collect was received, this time my balance is {$7200.00}, the case was again closed on XX/XX/XXXX and told my there was denial letter regarding the dispute. I dont know what to do, I need HELP. I need help to resolve this. This fraud have been going on since XX/XX/XXXX until now. My husbands Identity have been stolen as well as my mine. We are so scared every single day on what will happen next, this have going on again and again, non-stop. Even my pension for XXXX and XXXX was stolen. We live with our pension, my husband is a XXXX XXXX and we are both being STRESSED about our situation. We dont know what to do and who can help. PLEASE HELP in any way possible. Thank you very much for your attention to the matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-01-05
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. (NY)

This is my second time making this complaint on my own behalf. My name is XXXX XXXX and i was a victim of identity fraud. I was fraudulent inquiries and accounts attached to my credit profile. I have closed the fraudulent account and have a ftc report. In the report i included all fraudulent unauthorized inquiries and accounts. Ive also attached the report, my id, and social to this complaint. I am making this complaint on my own behalf. There is no third party included. 


INQUIRIES : 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
Consumer complaint received 2023-01-05
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 second time making this complaint on my own behalf. My name is XXXX XXXX and i was a victim of identity fraud. I was fraudulent inquiries and accounts attached to my credit profile. I have closed the fraudulent account and have a ftc report. In the report i included all fraudulent unauthorized inquiries and accounts. Ive also attached the report, my id, and social to this complaint. I am making this complaint on my own behalf. There is no third party included. 


INQUIRIES : 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