davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (DC)

JPMorgan Chase dba Chase Bank. ... A debit card was used to authorize or hold {$150.00} on XX/XX/XXXX. ( Hotel incidental hold ) .The hold was released by the merchant on XX/XX/XXXX. 
Consumer expected funds back in the account. 
Instead ; Chase recalculated the date to appear the hold was placed on XX/XX/XXXX instead of XX/XX/XXXX. 
Consumer contacts Chase reference the transaction ; where was the merchant authorization on XX/XX/XXXX or XX/XX/XXXX? 
Chase XXXX customer service representative stated that Chase changes the date of authorization each day without explanation as to why. Therefore, it makes it impossible for consumer to regain the funds back to the account within 3-5 business days of release from merchant. It makes the funds disappear from consumer account based on debit card usage vs. credit card. 
Debit card authorization uncollected by merchant, should be returned to consumer account upon release by the merchant. Chase provided no explanation or a resolution of this practice.
Consumer complaint received 2024-04-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY (TX)

XXXX intends to collect an amount not owed to them after American Express was used to pay. The purchase was refunded by the merchant to XXXX, and XXXX transfered it to American Express. The amount was refunded to the Consumers credit card only once, after American Express issued a temporarily refund to the Consumer, which was reversed weeks after, when XXXX finally refunded. 

XXXX claims the amount is owed to their balance, which was never used to make the purchase, and while the refund was received by XXXX XXXX XXXX, by XXXX to be credited to the Consumer Credit Card. 

Fraudulently XXXX wants to collect, and threatens the Consumer after sending an email of transfering to a collection agency illegally, and against the Law.
Consumer complaint received 2024-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (ID)

on XX/XX/XXXX two ( 2 ) checks from XXXX with the same amount of {$92.00} were deposited via a mobile deposit. Check # XXXX & check # XXXX were deposited. On XX/XX/XXXX Wells Fargo debited the account, stating that the check was posted twice. On XX/XX/XXXX the back then posted a debit return to the account in the amount of {$180.00} ( {$92.00} x 2 ) because of a 3rd party deposit that was not acceptable. Therefore, a total of {$180.00} was deposited by {$270.00} was debited back against the account. We have contacted the bank personally to no avail. We issued a complaint with the bank, which they informed us that the check was a duplicate deposit, which it is not give the two different check numbers that were originally issued. We went back to the bank again and are still unable to get them to see the error and that they owe us back {$92.00}.
Consumer complaint received 2020-12-26
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. (NY)

I have requested my XX/XX/XXXX report a few times and have not received a copy. I tried to view my credit report online however I have been unable to access it through XXXX XXXX website, and XX/XX/XXXX website. When trying I get an alert indicating that I would have to call in to request a copy of my credit report. I have called in 8 times within the past 7 months and requested a report be mailed to me however I still have not received my report from both credit bureaus. During this, both credit bureaus have reported fraudulent information on my report which I am alerted to through my credit monitoring service but still am unable to view the actual report. I have not received any communication from Equifax despite requesting my report with them via phone and Annual Credit Report, I was also a victim of the Equifax data breach and still don't have access to view the information on my report
Consumer complaint received 2023-08-24
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. (IL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX - Dist. Court, ( XXXX XXXX XXXX ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts XXXX XXXX XXXX and by refusing to adequately investigate consumer disputes regarding the status of XXXX accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
XXXX XXXX XX/XX/XXXX In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX Trans XXXX XXXX  XXXX. XXXX XXXX XXXX XXXXXXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2023-10-05
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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. 


Account XXXX : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 XXXX 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 2024-04-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: FIFTH THIRD FINANCIAL CORPORATION (CO)

Fifth third bank manages my loan for XXXX XXXX. They are the absolute worst. When they bought my loan, they didn't give any notice and my bank double paid as a result. Getting 5/3 banking setup was basically impossible when I was first trying to setup. They gave me no information on how to setup an online account or setup bill pay it took probably 8 or 9 hours to setup. Their phone system kept timing out and kicking me off. Even while on hold with a representative. I changed banks recently and changed my withdraw account on their website per their representatives instructions a few weeks before schedule payment, clearly on their website it shows my new bank account. But they still withdrew from the old account. I had to call and get a paper form to send in to get the account changed. Their Fax system didnt work to accept the form, so I had to mail it in. They sent me a follow up letter with a XXXX number to call stating the were open XXXX to XXXX ET I called at XXXX ET and no answer, the message stated the were open from XXXX to XXXX. This bank is incompetent and has wasted a good 20 hours of my time on their stupidity, lies and incompetence.
Consumer complaint received 2023-10-05
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. (GA)

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. 


Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Global Lending Services LLC (AZ)

My consumer rights are being violated and thats against the law I did not give consent/permission for my information to be reported on my credit report and want it removed immediately under FCRA 15 USC 6802
Consumer complaint received 2023-10-05
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: Affirm Holdings, Inc (FL)

A purchase of {$93.00} on XX/XX/2023 was made using XXXX XXXX XXXX XXXX  using Affirm platform. The transaction was canceled and refunded by XXXX ( the online merchant where the transaction was purchased ). We have reached out to both XXXX XXXX  and Affirm regarding the refund but neither companies are unaware where the refund is. Both companies are also unwilling to connect with each other to resolve the dispute/investigate where the refund is since both have been redirecting us to the other company to ask for the refund. Also, the term " payment chargeback '' has been used multiple times but the real concern is either companies keep referring us to the other company to collect the refund without further resolution and we keep going back and forth regarding this same issue for months. We need XXXX XXXX  AND/OR Affirm to look further and trace back the refund because both companies are saying the refund is not with them/their responsibility. So please, where is the refund?
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

To whom it may concern I am writing to dispute the following information on my credit report and have the following information removed from my file. The items I need deleted are listed below. I am a victim of identity theft and did not open these accounts. Also, demand these inquiries be removed from my credit profile I didn't initiate any of them. I ask that these items be deleted to correct my credit report. Fraududlent accounts : XXXX XXXX  original creditor : ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX. Fraudulent 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
Consumer complaint received 2023-10-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (MI)

Chase allowed a debit card transaction in XXXX from a gas station that was never authorized and would not reverse the charges or help me get the money back from the merchant. I disputed the charge and challenged the charge with no resolution from Chase Bank. The bank is telling me I need to contact the merchant in a foreign country to seek restitution of unauthorized charges. The bank would not do anything also because they wanted me to provide documentation to support fraud, when I asked examples of documents they would not give me any. The charge was fraud and I did not authorize {$450.00} to be charged nor was any service or items rendered to me from this merchant. After researching my situation I found many cases of others getting this scam/fraud. I need help in getting these funds back to my account.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 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 collection bureau of a 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 2023-06-30
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)

15 U.S.C. 1681 section 602 A states I have the right to privacy. Section 2 also states a consumer reporting agency can not furnish an account without my written instructions and if an account is deemed from identity theft then it must be removed within 4 business days. I have a police report of identity theft enclosed to support this matter. I have enclosed FTC report, original police report and identification.
Consumer complaint received 2024-04-06
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. (MA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2023-07-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC. (TX)

Late loan payment contact efforts at harassment level. Every day, including XXXX, calls from various agents demanding payment. Up to 6 calls per day and messages left on most of those calls. i.e. XX/XX/22, 6 calls starting at XXXX until last call at XXXX. So, in 3 hours, 6 calls! In one week, 15 calls. Already previously spoken with agents requesting less calls and informing them when the payment would be sent. Absolutely unnecessary and harassing to call that many times per day and far exceeding the legally allowable number of contacts per week.
Consumer complaint received 2017-05-05
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: National Commercial Services, Inc (TX)

National Commercial Services is constantly calling my phone about a debt that I am not legally responsible for. They making  me crazy by calling my phone every hour. They are also sending letters to my fathers house, who has nothing to do with the debt. They are to pretending to be the Department of safety and claiming that they are going to suspend my license. Please help.  National Commercial Services is driving me  insane.
Consumer complaint received 2020-12-26
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: EQUIFAX, INC. (TX)

XXXX XXXX Account charged off. {$3600.00} written off. {$3600.00} past due as of XX/XX/2020. 
( XXXX ) XXXX Public Record XXXX XXXX XXXX XXXX XXXX, TX XXXX not mine XXXX XXXX XXXX XXXX XXXX XXXX FTC violations or FCRA XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY wrong address please remove it or correct it not by adding the last four of my zip thank you
Consumer complaint received 2023-05-29
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)

According to my research about FCRA 605, 3 credit bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX, XXXX, XXXX  ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$420.00} ; XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$280.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.