davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

XX/XX/23 I made a deposit into my checking account for XXXX XXXX. In which I was able to receive. The issue is there holding a deposit on a check from a major insurance provider drawn from one of the largest financial institutions in the country. I requested the funds be released because I also have direct deposit from the US Treasury every month due to my XXXX. I told them I was homeless and needed the money to obtain housing. I was told I would have access to the funds within 24 business hours. The time has come and gone while I'm on the streets cold hungry and my life at risk.
Consumer complaint received 2024-08-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (OR)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2024-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (WA)

I tried to get a credit card through Chase because they showed I had delinqucies on other accounts that I had not opened myself. One of the accounts opened without my knowledge was XXXXXXXX XXXX XXXX and there might be others as well? 

Chase informed me that my credit score was very low due to credit card statements that had not been paid. Prior to me attempting to open a credit with Chase, my credit was in high XXXX 's and now it is in the mid XXXX 's and I am unable to get a credit. 

I have frozen my identity with the three main bureaus. XXXX XXXX, XXXX and XXXX. 

Please advise me on me next steps.
Consumer complaint received 2023-12-07
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One requires the complaint be done by phone, then says they do not keep the recording or transcripts of the call. Then they require it to be in writing, and then they deny that and require more information. It has been since XX/XX/XXXX and a few iterations. I am providing the same information and both companies are trying to say that a hotel room booked through XXXX is not fraud when I was not able to stay in the pet friendly room due to a large puddle of XXXX in the floor and an overwhelming odor of XXXX filing the small room. I requested they clean they room. They refused to clean the room, and refused a refund or proof of cancellation. 

I contacted both XXXX and Capital One the moment I left the hotel, because I needed help with getting access to those funds that day. I had to sleep in my new apartment floor ( tile ) on a yoga mat for two days. This hotel most certainly should not be paid and needs to be shut down for health code violations. 

Capital One and XXXX are not protecting consumers. Capital One is harassing their own customers to deny legitimate claims .. this is one of several this year they have utterly harassed me over when they had more than adequate evidence to support the fraud claim. I am told I must call to file a dispute. Then I am sent a letter I am told I do not have to fill out, and then sent a letter saying the dispute was denied because it was not filled out, and then the circle of crazy that is wasting time and making it harder and hard to keep up with goes round and round while the three corporations make money while the consumer get exactly ZERO VALUE!! They are saying that services not received due to a unsanitary conditions that pose a health hazard is not fraud. They say it is a dispute on a legitimate charge. REALLY??? 

NO! They are creating a triangle where the consumer gets screwed. So XXXX gets their cut, Capital One gets their interest, and the hotel that should be shutdown gets to make money they did not earn for unsanitary conditions!! That is exact what FDIC was created for .... NOT! 

Capital One Case # : XXXX... with XXXX for {$190.00} Capital One Case # XXXX .... XXXX XXXX XXXX {$40.00}
Consumer complaint received 2022-10-25
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am filing this complaint against Transunion for failing to delete and discharge an inaccurate public record account from my report.They 're stating I have a bankruptcy listed from XX/XX/2017. I sent them a letter demanding copies from the court showing this public record is valid. They did not send me the documents I requested and refuse to remove the account. 
I am frustrated and dismayed about this erroneous item on my credit report. I also found out from Representative XXXX XXXX of the House Select Subcommittee that Transunion has been discarding disputes they know violates the fair credit laws.This public record account is inaccurate, invalidated, unverifiable and questionable. Please ensure this account is deleted and discharged immediately.
Consumer complaint received 2022-10-26
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: Experian Information Solutions Inc. (NJ)

Account name : XXXX XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX XXXX XXXX, Account name XXXX XXXX XXXX XXXX XXXXXXXX, Account name : Dept of Ed # XXXX, Account name : Dept of Ed # XXXX, Account name : Dept of Ed # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX XXXX Account name : 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 2022-10-26
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. (NY)

It has been well over 45 days since my letter was sent on XXXX, I recently disputed fraudulent identity theft accounts on my report and XXXX, transunion and XXXX  failed to respond to my dispute or remove any of the fraudulent accounts Ive reported. Section 609 ( a ) ( 1 ) ( A ), of the Fair Credit Reporting Act they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that post on a credit report. In my letter I asked to see a contract with my signature as proof and 45 days later they have not sent any proof. XXXX, transunion and XXXX  are violating my rights also, under 15 U.S Code 1681b. they failed TO RESPOND that is in VIOLATION OF THE LAW! The law SAYS under CIVIL LIABILITY. 
According to 15 U.S. Code 1681n - Civil liability for willful noncompliance
Consumer complaint received 2022-11-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I have submitted multiple disputes with Transunion regarding my revolving XXXX XXXX XXXX  account with XXXX XXXX XXXX and they continue to come back and say that the account is reporting as accurate. When I view my report, its showing as CLOSED as of XX/XX/2022. This is not correct. The account is open.
Consumer complaint received 2022-10-25
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. (GA)

I have reached out to all the companies and they have no record of me applying for any credit. I have filed reports and complaints however Equifax refuses to do anything about this. 

15 U.S.C 1681 Section A. States that I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-10-25
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: DISCOVER BANK (MI)

Friday XX/XX/XXXX {$790.00} Purchased concert tickets through XXXX by phone. 
Concert date was XX/XX/XXXX. 
Used Discover credit card to pay. 
Realized shortly afterward I was charged unreasonably. 
Tried to cancel transaction through Discover and they told me I had to wait for it to post and then file a dispute. 
Received temporary chargeback which was then ruled in the merchants ' favor. 
On XX/XX/XXXX I still had not received the tickets. 
I have emails to prove I reached out to both the merchant and XXXX ( whom the tickets we to be delivered electronically ). 
The day after the concert XX/XX/XXXX, which I never received my tickets from XXXX, I contacted Discover again to file another dispute on goods not received. 
XX/XX/XXXX I received a call from an XXXX at Discover informing me that they accepted the merchants paperwork as proof the tickets were delivered and that this was the end of the line as far I could go to seek reimbursement. 
I don't understand why my written documentation and proof that I had followed all the steps to receive my tickets to no avail is being refused and the merchants sloppy supposed proof is accepted instead. This is so wrong that the almighty dollar can cause such corruption to happen without penalty.
Consumer complaint received 2022-11-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I checked my credit report and noticed a new fraudulent account. Transunion and XXXX are not on the same page about the name of the account and are not reporting factually. This is a violation of 15 US Code 1681b ( 2 ). Credit Reporting Agencies are required to use fairness and accuracy in their reporting methods. I have filed an Identity Theft Report and attached it below. remove the account please. 

Account XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX )
Consumer complaint received 2023-01-05
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: WELLS FARGO & COMPANY (IL)

I am reporting big fraudulent charges on the fraudulent Wells Fargo credit card account with my name, the card ending in XXXX. I have been living in central Illinois near 18 years now. Unfortunately, recently my identities were stolen by a thief in Florida. I received a Wells Fargo bill statement of credit card ending XXXX on XXXX XXXX, 2022. I never apply for or have this credit card account. The statement shows big fraudulent charges of a total {$5900.00} including major transactions in Florida. I called Wells Fargo right away to report this fraud problem. But yesterday I received an attached letter from Wells Fargo which denies my fraud claim. I had to call Wells Fargo again to ask detail checking and investigation about my claim. I spent over XXXX hour to spoke to XXXX different representatives but no good answer so far. I had reported to our local police department to file a police report # XXXX, with XXXX XXXX XXXX XXXX ID # XXXX. The contact phone # XXXX, XXXX XXXX Police Department, Illinois. I also filed an Identity Theft Report to FTC, and enclosed copy here.
Consumer complaint received 2022-10-25
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. (MN)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. Please update my address, Please update my name, My only social security number, My only and correct date of birth, and My only employer. 
I do not wish to have any telephone numbers on my report. 
Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 
Sincerely,
Consumer complaint received 2022-10-26
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (CA)

Returned purchase of 1. XXXX XXXX XXXX {$27.00} & XXXX. XXXX XXXX XXXX {$39.00}. These were returned XX/XX/22 through XXXX XXXX with an XXXX Code of XXXX, which was emailed to me on XX/XX/22. The store advised me to return the items through XXXX XXXX. I received the bill and the items and I'm still being charged. I call the store and was told to contact Comenity Bank. I called Comenity and was told to call the store. This has been going on since XX/XX/22. I was by both parties my concerns are being elevated and I will receive a call with a 7 days. The bank continues to call me. I tell them the issue and they can only adjust the fees. Today, I have not received a call regarding my complaint
Consumer complaint received 2022-10-26
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that need to be investigated and corrected XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$5400.00}
Consumer complaint received 2022-10-25
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. (PA)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX 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 2018-04-16
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

This is my second attempt and request to have public information removed from my credit file. There is two Chapter XXXX bankruptcies listed on my public Experian credit report that I have requested several times to be removed. It has also been confirmed that the U.S. Bankruptcy courts does not and will not verify such accounts ; therefore the accounts has not been verified, the system in which the credit bureaus use to verify information is not the correct method of verification. Per the PROCEEDURES and laws stated in 15 U.S.C. 1681i and its subsections I have requested that ALL FURNISHERS related to these accounts and CONSUMER REPORTING AGENCIES in which these items has been disputed BE NOTIFIED of the DELETION of this account due to FAILURE TO PROVE ITS VALIDITY. As stated above, I have requested this information be SENT to all CREDIT REPORTING AGENCIES and I anticipate that each CRA will follow suit in DELETION OF THESE ACCOUNTS.
Consumer complaint received 2022-10-25
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. (PA)

My name is XXXX XXXX XXXX, and I am writing on my own behalf to delete the following information in regard to the information on my credit files. 
Fraudulent applications were submitted under my name and/or my identity without my consent to obtain goods or services with my information. The items I need to delete are listed in the report. I am a victim of identity theft and did not authorize any of the following charges/inquiries listed in this report on my credit file. I am requesting that the following items on this report be deleted immediately. The following inquiries I need to be deleted are listed in the report and attached to this statement : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-26
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. (NJ)

This is one of my numerous letter that I claim I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account 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 is not information relating to any transaction by the consumer. 

The following account need to be removed as they are fraudulent. 

XXXX XXXX or XXXX Date Opened : XX/XX/2015 Balance : {$0.00} This is not verified. I contacted the furnisher and they have refused to provide any documentation and they are unable to provide documentation proving the claim or the accuracy. This remains inaccurate, incomplete and not verified. You are REQUIRED to delete this immediately according to FCRA Sect. 611. Please ensure this account is removed within 5 days! 

If you claim this account is 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove this account from my file.
Consumer complaint received 2023-01-25
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. (TX)

Your improper procedures are highly damaging to my credit score. Please immediately delete this item. In accordance with the Fair Credit Reporting Act XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  & Inquiries XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian 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 consent and 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 2023-09-04
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NY)

Hello, Sometime last year my Citibank credit cards were all closed. I was on automatic payments with my accounts. One of the account had a small balance. When Citibank closed my accounts they automatically stopping my auto payments. By the time I realized it my account was 30 days late. I have never been late on my Citibank accounts. They themselves can verify it. I am asking that they remove this lateness from my credit report. 
Also during this time my husband was in a major accident. He was later diagnose with XXXX and just passed. 
Thank you, XXXX XXXX