davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-01
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. (CA)

Someone stole my identity and opened credit cards with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX I notified XXXX XXXX XXXX that neither did open an account with nor attempted to open account with them via phone calls and a letter I sent to the Bank XX/XX/2023. To date, XXXX XXXX XXXX has not investigated nor deleted the fraudlent credit card that they reported as delinquent and charged off on my credit history. They keep asking me to prove that I did not open the account. I am suffering huge hardship as my credit score is being significantly affected and resulting in my ability to secure employment that requires unblemished credit history. Furthermore, I am in the process of getting a pre-approval for a home loan and preventing the ability for me to get a home loan. This is putting me in distress and leading a productive life. 


XXXXXXXX XXXX  to provide a letter to Equifax, XXXX and myself that the fraudlent XXXX XXXX  account does not belong to me and request they be deleted from my credit history
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, account # XXXX XXXX XXXX, account # XXXX XXXX XXXX, account # XXXX XXXX , account # XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX , account # XXXX XXXX XXXX, account # XXXX XXXX XXXX, account # XXXX XXXX XXXX , account # XXXX XXXX, account # XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX, account # XXXX XXXX XXXX, account # XXXX XXXX, account # XXXX XXXX, account # XXXX XXXX XXXX XXXX XXXX , account # XXXX XXXX, account # XXXX XXXX XXXX, account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2021-10-12
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. (IL)

hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. experian paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with experian i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. experian is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my two year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2017-04-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To Whom It May Concern Please be advised that this is my THIRD WRITTEN REQUEST about Transunion reporting inaccurately on my credit report as under the FCRA 15 U.S.C. 1681i whereby all unverified accounts must be promptly deleted. In the event that they are unable to provide me with a copy of the verifiable proof that they have on file for each of the accounts listed below within 30 DAYS NOT 60 DAYS of receipt of my first or or my second letter then you must remove these accounts from my credit report. 
The fact that Transunion has ignored my request to send me copies of the documents that were used to verify the disputed accounts within the time stated by law of 30 days, is evidence that they can not and did not verify any of the disputed accounts like they said they did. Transunion 's failure to delete the disputed accounts shows within the days allocated by the Federal Law also reveals that they can not verify anything, even after two written requests and also evidence of their willful disregard of Federal Law. 
Finally, please be advised that this is my FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding their continued willful and negligent noncompliance.
Consumer complaint received 2023-06-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (DE)

I obtained a copy of my credit reports and i noticed a company by the name of Sunrise Credit Service being reported across all 3 bureaus with different account numbers. I have never gave none of the CRA 's permission to report this on my credit report. According to 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the Written Instruction of the consumer to whom it relates. I Never gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO consent is identity theft as a federally protected consumer by law I am demanding deletion of the account listed above Immediately. I have also asked this company for validation of debt. Please send original document signed by myself tying me to this debt if not I am demanding deletion because this is hindering my credit journey
Consumer complaint received 2023-06-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Augusta Collection Agency, Inc. (GA)

I have written this company several times and talk to them on the phone and explain that this is not my debt. The original creditor is XXXX XXXX XXXX XXXX and the front was sold to Augusta Collection Agency. They called and harassed and threatened to take me to court for a debt not mine. I am trying to purchase a bigger home for me and my kids and grand children.
Consumer complaint received 2024-03-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This 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. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2024-03-30
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. (GA)

How can the original creditor report 2 different " Date Last Active '' dates on my credit report. This is INACCURATE reporting. Please delete this account asap XXXX XXXX
Consumer complaint received 2023-06-01
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: TD BANK US HOLDING COMPANY (CA)

I purchased a workout bike for my wife from XXXX back in XXXX XXXX  XXXX and immediately reached out to the company due to what appeared to be faulty installation. After my wife used the bike the first time she noticed the bike was faulty, as buttons did not work properly, if at all, and the system itself was not performing as expected. In other words we were not satisfied with the purchase. I attempted to reach out to the company via email, phone, and through their XXXX app several times to request a refund and let them know about the faulty/defective issues within the first month, and I never received a live agent on the phone, no one ever responded to attempts to contact the company on the app, and to date still have not received a response to my email. After the thirty day period to request a refund had passed and it seems the company deliberately did not respond to get to this point, I made payments in good faith as to not ruin my credit which I worked hard to build even while the company continued to be unresponsive to the issues with their product. In XXXX XXXX  XXXX, I finally got a live agent on the phone ( XXXX XXXX ) who basically told me I need to fix the bike myself, as they would not send out a tech to fix the bike. I took the complaint to XXXX and suddenly someone from XXXX ( XXXX XXXX and XXXX XXXX XXXX reached out on XXXX. When I told them I attempted to return the product within the thirty-day return window, they indicated they will not accept a return nor provide a refund but they will send out a tech to repair. Clearly not what I wanted as I was approximately five months with a defective and faulty product that had not been enjoyed up to this point. To date, a tech came out three times and the bike is still not functioning as expected. The company is still refusing to provide a chargeback and refusing to accept a return of this product they failed to give me the opportunity to do within the first thirty days, yet they continue to attempt to collect as well as report me to credit bureaus.
Consumer complaint received 2022-11-23
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. ()

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act 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 an account without my written instructions.
Consumer complaint received 2023-06-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (MN)

Approximately XXXX XXXX  XXXX I was contacted by text message for a debt that I do not have. I have bever done business with the company and is a phishing attempt as they included multiple links for payment option. Claimed to owe exactly {$48.00}. per month for 12 months. Message began with : " This message is from Spring Oaks Capital , LLC. '' Gave me an XXXX number to call a link to set up a payment plan. Another link for disclosures and an additional separate attachment preceding the text message. Claimed was in regard to a XXXX  XXXX account originated by XXXX XXXX  which is now owned by Spring Oaks Capital SPV , LLC. They are fixated on setting up a payment plan the links are the phishing that would infect or steal or information. Also, they used two different company names, then claimed they are debt collectors. To much information to try and confuse the individual. I have never opened an account with XXXX XXXX  or have had any indication of debt collection as I monitor my score. Text message originated from phone # XXXX. They claim XXXX XXXX  is now owned by them, if this was true they wouldn't need a debt collection. As they are acting on behalf of their own account and debt reconciliation.
Consumer complaint received 2023-06-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

The FCC issued national security threat warnings about foreign software companies in XX/XX/XXXX. I had been using one of those products which was manufactured in XXXX and, heeding the FCC warnings, I removed the software forthwith. In early XXXX, the company began pursuing me to renew the software license. I canceled my account and they acknowledged my cancelation, but continued pursuing me using different tactics, prices, product names, and company entities. The companys efforts seemed fraudulent so I reported them to the FTC on XX/XX/XXXX. 

That same day, I gave my bank a copy of the FTC complaint and ask the bank to help me protect my account against fraudulent claims by the software company. The bank made a feeble effort to block the company but failed, and was generally apathetic and unhelpful. I felt the bank could have easily blocked any transactions from that company, but did not. At the suggestion of the bank, I cancelled my debit card and replaced it with a new one on XX/XX/XXXX. On XX/XX/XXXX, I learned that the company had been paid by the bank for a {$84.00} transaction I had not authorized and had asked the bank to block the day before. I believe it could have easily stopped that fraudulent transaction, but the bank failed and subsequently denied my disputed claim.
Consumer complaint received 2023-06-01
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV INC. (CA)

This is in regards to XXXX XXXX XXXX XXXX card. In the month of XXXX I was going to receive Refund from California for {$700.00} for having a making less that {$140.00} XXXX XXXX. After waiting for my depit card for three months, I kept calling IRS I kept calling Money Network they kept telling me to wait for my card I will receive it. I called back in XXXX asking for my card again they stated that my card has been activated and used at different ATM machines. They said they will open a claim I will receive a new card and after 90 days of investigation I will get my money back on my account. Yesterday when I called they said they can not refund me my money because my card was used and someone used my pin. I tried to explain to them that my card was hacked and used before I even received it. I had nothing to do with it. I am asking for them to please refund my money. I work for XXXX I am a XXXX I make very little money I was waiting for this money to pay my bills that I have not been able to do so. I am not sure why they never closed my card when I was calling and asking them to stop the card and issue me another card. Why they waited so long for someone to use my card take all the money out then they sent me a new card with {$0.00} balance.
Consumer complaint received 2023-06-01
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: JPMORGAN CHASE & CO. (NY)

In late XXXX I was the victim of identity theft with my JP Morgan Chase XXXX XXXX XXXX My XXXX XXXX was somehow hacked into and my calls were being forwarded, preventing me from checking the actual party I was communicating with. I received phone calls from numbers that showed up on caller ID as Chase bank. After initial fraudulent activity was discovered, I contacted a representative from XXXX XXXX XXXX who changed my password and rectified the issue around XX/XX/XXXX. 

However, it happened again a few weeks later and I was able to do it on my own once someone alerted me that my calls were not going through anymore. Since then, I bought a new Iphone on XX/XX/XXXX. The old phone was turned into XXXX XXXX XXXX. 

Chase initially did not charge me for fraudulent purchases on my account. In late XXXX 2023, my account balances were accurate and the fraud situation was behind me. That was until Chase, in XX/XX/ 2023, who I have banked with for years both personally and through my credit card, did a complete XXXX degree turn and is now seeking to hold me responsible for approximately {$12000.00} worth of charges that they initially did not hold me responsible for. 

This is unacceptable to me and quite disingenuous to do this months later after everything had been resolved. Chase and XXXX have a guarantee that you will not be responsible for fraudulent charges. The telephone scam is not something new and Chase has utterly failed to institute any processes to prevent their customers from being scammed by people who are calling from Chase numbers and have the proprietary information that only a Chase representative would know. 

This scam has been prevalent and Chase can not simply just turn a blind eye to it while their customers get defrauded. See https : XXXX
Consumer complaint received 2023-06-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. ()

I bought a XXXX XXXX XXXX  which I funded with {$400.00}. 
I waited the suggested 24hs but I could never use it. Both Vanilla and XXXX websites state the card has an error. 
I tried contacting customer support, who stated the card is invalid and hanged up the phone more than once ( after spending +30min to be answered ). 
I am attaching the actual card and the receipt that states the amount I funded. 
I also found online several people aare having the same problem, which I also attach. 
I am also showing the only email I could find on the internet is not operating either.
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (NY)

From XXXX XXXX-XXXX XXXX and XXXX i was in the hospital with XXXX and XXXX complications. 
XXXX XXXX had charges of XXXX that was done fraudulently. 
With XXXX XXXX i had 5 cards that had fraud from gambling sites the dates were from XX/XX/2022 through XX/XX/2022 One card was XXXX, one card was XXXX, one card was XXXX, one card was XXXX and another was XXXX. XXXX XXXX confirmed it was fraud but someone other than me called and told XXXX XXXX the charges were accurate. In which caused them to rebill me.
Consumer complaint received 2023-03-20
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

XXXX and usaa has miss used my money they add a new mortgage company to my bill pay never told me took funds from my account without permission send proof of notification why was this done i about to loss my behind this slick XXXX XXXX XXXXhis had to be done by XXXX XXXX and XXXXXXXX XXXX usaa took XXXX thosand form account to pay me are fundd o to and errow of theirs to date the are missing.
Consumer complaint received 2023-06-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, I noticed 3 fraudulent charges on my credit card statement ; a XXXX XXXX charge, a gas station charge, and a smoke/gift shop charge totaling {$700.00}, all occurring on XX/XX/16. I immediately called Bank of America 's fraud department and initiated a fraud claim ; the claim was denied a day later because they claimed the card was used in my presence ( exact wording : We confirmed your card was used for the charge ( s ). The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. ) This isn't physically possible because the card was in my possession and I did not visit those places on XX/XX/XXXX ( and have the XXXX timeline history to prove it ). 
Bank of America does not do their due diligence in investigating fraud claims ; this has happened to me once before, with the denial being the same reason.
Consumer complaint received 2023-06-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (GA)

The original credit is XXXX  for {$470.00} and they sold it to Jefferson Capital System LLC . I do not know if this account and have filed several dispute and they did not provide me with no proof of this debt belonging to me. The account number is XXXX and it was opened according to my credit report on XX/XX/2016. It has been 7 years and I still have this debt that do not bring to me on my reports. Im trying to buy a bigger home for me and my kids.