davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX You are in Direct Violation of The Fair Credit Reporting Act Apple Card-GS Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX ) XXXX has violated several of my rights. 

18 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

16 U.8.C 1681 Section 804 A Section 2 : It also states a consumer reporting angency, can not furnish an account Without my written Instructions.

16 U.S.C 166EB : A creditor may not treat a payment an a credit card account under open end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
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. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX 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 XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$8200.00} ; XXXX XXXX XXXX Balance : {$150.00} ; XXXXXXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-01-31
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: EQUIFAX, INC. (MD)

I sent a letter to Equifax on XX/XX/2022. Its been well over 30 days, i still havent received anything back. 

According to 15 USC 1681i ( a ) 1 ( A ) XXXX, Equifax, and XXXX, have 30 days to respond to my dispute This is a violation of my rights.
Consumer complaint received 2023-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

NAME : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX Email Address : XXXX You are In Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX ), has violated several of my rights. 
15 U.S.C 1681 section 602. A. Clearly states that 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 1666B : A creditor may not treat a payment on a account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update & REMOVE this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

They closed my account without any explanation, a few days later they returned my payment and said it was no good. I have bank statements that say otherwise. After numerous calls finally just decided to pay it off and made 1 large payment, went through just fine. Then paid the balance the next month and again plenty of money in the account and they refunded the payment and charged me {$75.00} in fees.
Consumer complaint received 2024-04-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC (KY)

On XX/XX/2024 XXXX XXXX notified me that a hard credit check was added to my report. 
On XX/XX/2024 XXXX XXXX reflected a hard inquiry and my score dropped 3 points. 
On XX/XX/2024 XXXX XXXX emailed me providing me the last XXXX digits of and account and thanked me for registering my Indigo Platinum Mastercard. 
On XX/XX/2024 I received a second email from Concora Credit providing me with the last 4 digits of the account confirming the enrollment of the indigo Platinum Mastercard go paperless statements On XX/XX/2024 I received a third email confirming Email Address Update. This provided my current email address and other individuals XXXX account. 
On XX/XX/2024 I called the number for this credit card company, and they indicated it was a debt collector - I could not reach anyone and remained on hold for several minutes before hanging up. 
On XX/XX/2024 - I called XXXX to report identify thief and filed a complaint with CFPB.
Consumer complaint received 2023-11-05
Product: Credit 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 (NY)

While checking my credit card balance at Wells Fargo, I saw a charge I didn't recognize. It was on XX/XX/23 in the amount of {$64.00}. The description says XXXX *KRUIZIN # XXXX I checked my XXXX account and found no such transaction had occurred, so I called Wells Fargo 's credit card " service '' phone number : XXXX. 
First call : After going through all their steps to insure it was me, including a voice recognition, I was informed that the address I've lived at for over 20 years was incorrect. I disagreed with the rep but she didn't care. I asked what address was showing on my account ( again, AFTER all the verification steps ) and was told that she couldn't give me MY information. I argued for a minute and ended the call. 
Second call : My address passed the test, it seems I DO live where I live, but the rep was unable to listen to me. She referred to this as me " doing business with the particular entity. She kept telling me I said things I didn't say. I told her to stop putting words into my mouth and she promptly hung up on me. 
Third call : I still seem to know my own address and my complaint was finally taken seriously. Charge disputed, new card on the way. It should NOT take 3 calls!
Consumer complaint received 2018-10-16
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. (ID)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft.. I contact the credit bureau Experian, but they did not help me, the accounts are still on my credit report and it is hurting my credit score. CFPB do something about it and remove XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX , XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX, XXXX XXXX, XXXX/XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-11
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. (IL)

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 below : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX IL XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$3800.00}
Consumer complaint received 2018-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SUNTRUST BANKS, INC. (GA)

On XX/XX/2018, I opened 2 business checking accts at Suntrust Bank : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I requested to deposit XXXX dollars into the first acct and XXXX dollars into the second acct. 

Branch mgr. XXXX XXXX erroneously deposit the amounts into the wrong accts, with XXXX going into XXXX and XXXX into XXXX. I then wrote one check and two ACH transactions on the acct ending in XXXX, which, if not for the bank error, would've been covered. 

As a result, we have so far incurred two NSF fees in error, including one on a XXXX dollar check written to a XXXX XXXX, who deposited the check into her XXXX XXXX acct, causing fees in her acct as well. 

I learned of the error today, XX/XX/18, when entering the branch. Banker XXXX XXXX said she was unable to move the money to reverse the issue, unable to reverse fees, unable to let me withdraw funds or even close the accts. because the accts. had all been flagged for fraud, again, due to the bank errors. 

This is causing major problems for me, my business, my nonprofit, and Ms. XXXX. I had offered to meet her with a cashier 's check, but now Suntrust is holding all our funds. 

I left a voicemail for district mgr. Asst, XXXX XXXX, have not yet received reply. 

I asked to speak with Fraud dept, but they will not let me.
Consumer complaint received 2018-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I have disputed the account XXXX XXXX   XXXX on my credit report for months, I asked for evidence proving that the account is accurately reported under my name..Equifax failed to send me, that tells me they did not verify this account. Please CFPB help me out here and reverse the late payment
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (OR)

I was offered credit monitoring by Experian after a credit breach by XXXX XXXX. I signed up for credit monitoring ExperianXXXX. From there, I am unable to process a credit freeze - but must also create a profile with Experian and accept all terms of a " Free Membership '' which are not the same terms as offered with ID theft. This seems like a fraudulent practice.
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I have requested a thorough investigation to address the discrepancies in my credit report. Thus far, I have not received a clear response, as your replies merely assert that the information has been verified without providing specific answers to my inquiries. These responses seem to be generic templates. However, what about cases where the inaccuracies are not typical? Those questions remain unanswered, and it appears that simply sending the same report is considered an adequate response. I insist on receiving clear and prompt responses to my queries, as well as the completion of my credit report information. Unfortunately, TransUnion has continued to disregard my requests. I have enclosed my most recent letter for your reference. XXXX XXXX XXXX.
Consumer complaint received 2019-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc. (CA)

XX/XX/18 GM Financial made a fraudulent inquiry to my XXXX  report. XXXX  has instructed me to contact each company making the fraudulent inquiries, individually.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I have been continuously reaching out to these companies for over the span of a month notify them of the inaccuracies on my report, asking if they can be updated and removed. these companies told me that they could not update nor could they remove these inaccuracies accuracies. I asked if these please be removed from my credit report and update it immediately. Thank you.
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: EQUIFAX, 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 and XXXX  XXXX have 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 reasonablecause to believe that the information is inaccurate.
Consumer complaint received 2020-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (IL)

Equifax I answered one or more question wrong no report Some questions I did not know the answers..So no report I called later they asked for 3 types of idenity .Must be lost in mail still no report .why are they keeping my files that's the instructions to do by mail with my id 's and SS number and a billing statement.
Consumer complaint received 2023-11-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2023, XXXX ( XXXX ) separate transfer transactions whereby a XXXX party criminal transferred over {$85000.00} from my savings account to a bogus saving account and Chase Bank let it happen. On XX/XX/2023, this criminal again transferred over {$8800.00} from our Chase Checking account, again nothing from Chase, no notification no alerts. 
This criminal impersonated me walked into a Chase Bank branch and authorized the 9 transactions, Chase Bank did nothing. This person was not me, I did not authorize the transactions. This criminal wiped out of our life savings. Chase has done nothing. We contacted the Fraud department of Chase and Fraud department agreed the transactions were not ours. We contacted the Claims department of Chase to open a claim and first were denied be able to request a claim, we called Fraud back and Fraud indicated claims would be taken. Two separate claims were taken one for checking and one for the savings. 

Chase Claims denied the checking claim indicating the transaction resembled the history of transactions, which it did not. We never transferred {$8800.00} to any savings account. 

We filed a police report indicating all of the thefts. 

Chase Bank seems to be only in it for its own profit and not looking out for the consumer. the accounts are insured yet Chase refuses to give our money back.
Consumer complaint received 2023-01-25
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. (CA)

I had a Chase Freedom Unlimited credit card for years and have used this card just occasionally ( i.e. at most a few XXXX dollars per year in the fast few years ). However in XX/XX/XXXX, my friend mentioned to me that the Chase freedom Unlimited Credit Card will have 5 % Cash Back if using XXXX as the payment. I never paid attention to this promotion and was concerned that the credit card I have will not qualify the promotion for cash back. For safety purpose, I would like to call the phone number at my credit card to confirm that I am eligible for this promotion. I called right away and was confirmed that the Chase Freedom Unlimited Credit Card was having the 5 % promotion using paypal at checkout and this promotion would expired on XXXX XXXX, XXXX. I am very excited to get the confirmation and started to use this credit card for the remaining rest of the year, XXXX XXXX XXXX XXXX. I spent $ XXXX $ XXXX {$3700.00} in total. I was expecting 5 % cash back of {$180.00} however I found the cash back shown in my card is only 1.5 % at {$56.00}. 
I felt confused and called Chase again for the clarification. The 1st lady who talked to me said it's 5 % Cash Back. But she was confused also after I asked her to check out my account for cashback. Then she asked XXXX, her supervisor, to contact me on XXXX XXXX, XXXX and XXXX told me that my credit card does not qualify for the 5 % promotion cashback. I asked her why chase representatives confirmed with me that my card is eligible for the promotion? XXXX told me it's my responsibility to know that my credit card did not have the quarter promotion and I should not account on the Chase representative 's word. I am confused and it looks like that XXXX believed that the representatives told customers useless information, not professional at all.
Consumer complaint received 2023-11-05
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 (TX)

I have two accounts with Capital One Credit. I have had these accounts for years. I started keeping a debit and credit register on my accounts in the same manner that I keep a bank account register. In the last month the totals on my charges by the company were {$150.00} dollars more than the total calculated charges. I track interest and my payments. This account is used for many small online purchases as well as several monthly recurring charges. With the balance being {$150.00} more than I expected I decided to close my account. I had made a purchase on XX/XX/2023 through XXXX for {$66.00}. The payment had cleared by XX/XX/XXXX, I mark in my register when the payments clear. On Saturday XX/XX/2023 I was very certain of the over charge situation. I spent all day eliminating the Capital One Walmart Card from all my associated accounts. So last night I paid off the entire listed amount of {$1400.00}. I phoned Capital One to close the account. Suddenly the {$66.00} was treated by the person on the other end of the line as a new, and as yet uncalculated in the total, charge. I had to pay an additional {$66.00} to bring the balance to zero. I printed out the register at XXXXXXXX XXXX and it shows the charge in the registery. I printed out the charges again at XXXX XXXX and the XXXX charge has miraculously evaporated. I contact customer service at which point they tell me their system is 'updating '. The XXXX charge that went through ( check with XXXX ) on the XXXX of XXXX is still missing. I tell the customer support person that I have the print out showing the charge was previously on there, suddenly it appears back on the registery. There needs to be financial forensic analysis of all US accounts handled by XXXX. This stealing has become a school of education for their citizens and needs to be stopped. Best of luck.
Consumer complaint received 2023-02-13
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. (NC)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-11-05
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. (GA)

I recently received a copy of my consumer report after I submitted a dispute about it being inaccurate information being reported. I figured it was a mistake on your part however I did not see any changes in fact you stated that the account meets FCRA requirements. That is false these accounts can not meet FCRA requirements because they have not been verified nor have you fixed the inaccurate information on these accounts. I have included a screen shot of each item that I am referring to. I know the FCRA states that my consumer report should be furnished with accurate information otherwise the accounts in question that can not be verified must be removed. Take a look at how many errors you are reporting on my consumer report.