davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-09
Product: Credit card — 
Issue: Balance transfer — 
Company: AMERICAN EXPRESS COMPANY (NV)

I was offered a 0 % introductory balance transfer by American Express on their " Blue Cash Everyday '' The offer was to expire XXXX XXXX 2016. Speaking with a representative on this day, XXXX/XXXX/2016, I was informed the offer is still available and I would be able to do a balance transfer from my XXXX card to the new Amex card in the amount of {$7800.00}. Today, XXXX XXXX, 2016, I received a letter from Amex ( dated XX/XX/2016 ) stating the offer was declined because the limit to transfer may not exceed {$7500.00}. When I called Amex today XXXX XXXX 2016, I questioned " their '' error hoping to discuss with a higher authority. However, I kept getting transferred to noone of authority after multiple request to speak with Management that can discuss and solve the issue at hand. I also requested a number other than a XXXX number I could call. No such luck. Between XXXX and XXXX XXXX XXXX, 2016 my paitience had run out. Clearly my call was not going to get transferred to the correct level of Management to resolve the issue. After being transferred 5 times, my last words to an Amex rep were " I do not need you to put me on hold, I have been transferred 5 times and again not to a person that can help me. Please give me the contact name and phone number of a person in Management that can hand ; e this situation and do not put me on hold '' ... .you guest it, I was placed on hold! 

My aim is to have them accept the mistake by their employee of quoting the price of {$7800.00} and have them honor the original balance transfer offer that I was presented with even if it is to be the {$7500.00} limit that they are claiming. But my point is " their '' employee has made the mistake, not the consumer! 

Thank you for your time and patience in reading my complaint and for your dedication to public service.
Consumer complaint received 2022-11-21
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. (IN)

This is my another endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XX/XX/2021 XXXX XXXX XXXX.
Consumer complaint received 2017-01-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WAKEFIELD & ASSOCIATES, INC. (IN)

FOR THE WILL NOT GIVE ME MY FILE AND TELL ME WHAT I PAYING FOR THEY HAVE TOTALLY MESS UP MY HEALTH BY NOT GIVING AND RECORD TO MY DR. TO TELL THEM WHAT HAPPEN TO ME AND I TO THIS DAY HAVE NEVER SEE ANYTHING ON PAPER SHOWING WHAT THE DID BESIDE NOTHING FOR THERE NEG. I 'M TRYING TO GET ON THE XXXX AS IF I WOULD OF KNOWN SOMETHING IT WOULD OF MADE A DIFF IN MY LIFE I 'M NOT PAYING A XXXX UNTIL THEY TELL ME WHAT THEY DID I WAS FROM OUT OF TOWN AND THEY XXXX IT TO ME. AND TELL ME I WAS IN THE XXXX TO WHICH I NEVER WAS.
Consumer complaint received 2023-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CO)

So someone hacked my information to my checkings and savings account. They called the bank and over the phone they transferred all my savings, {$3000.00}, into my checkings. They then proceeded to spend {$1500.00} on online purchases. One of those purchases they sent to my billing address. When I filed a complaint with my bank, they thought it was weird that the funds were transferred via a phone call and not the app since I have never done it that way before. But when investigating these fraudulent charges they deemed them to be authorized because the delivery address matched my billing address. I tried to explain to them that it wasn't me that made these purchases. I asked if they checked the phone number or email that was used to make these purchases, because I knew they would not match mine, and they told me all that mattered was the addresses matched. Then I asked about the fraudulent transfer of funds, again, because I didn't authorize it, and they told me it didn't matter because it was transferred within my account. I have never transferred money this way in the 20+ years I have been banking with them. I asked if I could her the recorded line of the transfer and I was told I would need a court order to do so. They told me the burden was now on my to prove these charges were fraudulent and that was that.
Consumer complaint received 2016-07-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Transunion is reporting inaccurate information on my credit report. They are reporting a charge-off account from XXXX when i never had a XXXX account. By the FCRA unless they provide me supporting documentation with my wet signature they must delete the charge-off account from my credit report.Failure to do so will result in a lawsuit against both the creditor ad the credit bureau 's. I have sent documentation to my attorney also.
Consumer complaint received 2023-06-12
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: Experian Information Solutions Inc. (TX)

To whom it may concern, I, XXXX XXXX, never gave ( XXXX, Experian, or XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

You also do not have any permissible purpose to furnish my personal information to any third party. 
15 USC 1681b Permissible purpose 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 instructions of the consumer to whom it relates. 

As a consumer, I am demanding a deletion of the following account : XXXX. Company Name : 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 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

Date : XX/XX/XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX Unit XXXX City, XXXX, Zip : XXXX, MI XXXX Dispute Department EXPERIAN XXXX XXXX XXXX XXXX, Tx XXXX To Whom It May Concern I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the XXXX XXXX XXXX XXXX XXXX XXXX. Please delete the items as soon as possible. 

FRAUDULENT INQUIRIES Xactus - XX/XX/XXXX 2021
Consumer complaint received 2022-11-28
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. (SC)

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted in accordance with US code 1681 c-2. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. the Identified transactions are not information related to any transaction by me as a consumer. I have Submitted an identity theft report and put a fraud alert on my credit profile through XXXX. XX/XX/2022. Please see attached
Consumer complaint received 2023-06-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

Unauthorized charge went through and vendor sent product which was returned for refund. Vendor did not refund and I disputed the charge. Both bank and vendor have refused to cooperate. Vendor insists bank must be on the line ( but they hang up when bank announces attendance ) Bank says the matter is closed and refuses to communicate with me. This has been ongoing since XXXX XXXX XXXX, and I am hoping your intervention will resolve this matter. Thank you
Consumer complaint received 2023-07-13
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: EQUIFAX, INC. (AL)

These unauthorized inquiries are negatively impacting my credit history and financial well-being. I kindly request your assistance in addressing this matter and having these inquiries promptly removed from my credit report. 

The unauthorized inquiries are as follows : XXXXXXXX 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 2023-07-08
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. (NY)

It is an obligation of the Consumer Reporting agencies -EQUIFAX-by the FCRA to report accurate accounting, consumer has advised ALL the inquiries and late reported was indeed fraud, XXXX XXXXXXXX had four- ( 4 ) days according to LAW to remove such items. 

FTC fraud report was filed on behalf of consumer-consumer is now requesting EQUIFAX to provide the full documentation used to determine inquiry indeed authorized by the consumer and late for XXXX, XXXX XXXX XXXX of 2018, EQUIFAX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature, Consumer is NOT asking for an e-Oscar report. If EQUIFAX does not have this documentation to show these were in fact authorized it must be removed ASAP. Said company is liable under the SEC to abide by certain rules. EQUIFAX Commission file number 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 XXXX XXXX XXXX XXXX XXXX I will be filing form 211 Treasury OMB Forms to audit consumers account. EQUIFAX is securitizing consumers data yet refused to provide consumer a copy of their CONSUMER FILE NOT -CONSUMER REPORT. This has cost me severe pain and suffering- To add insult to injury my credit was FROZEN!!!!
Consumer complaint received 2023-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (VA)

On XX/XX/12, I received a paper statement for a new business checking account I opened with US Bank that shows they had assessed a {$6.00} fee on my account. There was no obvious indication what this fee was for as it only said " XXXX XXXX XXXX. '' When I went online, it also had no further descriptions on what it was, forcing me to call US Bank to ask what this fee was for. Around XXXX EST, I talked to a rep on the phone, who told me this fee was for utilizing paper statements. I asked where it's documented that this fee is charged, I was told that it is only documented in the original email that was sent to me when I opened the account and that it is not documented anywhere on U.S. Bank 's website. Not only that, the rep specifically says that it is " common '' for people to miss it. That immediately seemed like a red flag to me that this was a deceptive and dishonest practice. When I went onto the website and tried to set my account to paperless, I received an error, and instead had to again as the representative to do it for me. It is ridiculous and unethical for a bank to not advertise a fee, purposefully minimize documentation of that fee, then make it difficult for a customer to avoid it. Also, if it only exists in the welcome email, and not documented anywhere else, that means a customer will not know about it until AFTER they have opened an account. That's predatory and deceptive. 

In addition to this, even though I opened my account on XX/XX/XXXX, it did not show up until the THIRD statement, which I received today on XX/XX/XXXX, almost three months later. Because of this, the rep said even though I switched to paperless settings, I would likely still be charged again since I've received multiple paper statements. I had already received XXXX paper statements before they even charged the fee to my account. That is beyond predatory behavior. 

I honestly thought we were past these types of tactics in the finance industry, but apparently U.S. Bank still practices it.
Consumer complaint received 2022-11-21
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. (IL)

I sent a letter on XX/XX/22 to 3 credit bureaus to remove erroneous accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$760.00} ; XXXX XXXX XXXX XXXX Balance : {$570.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$270.00} XXXX XXXX XXXXXXXX Balance : {$80.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00}
Consumer complaint received 2024-06-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Fay Servicing, LLC (CA)

- XXXX XXXX XXXX XXXX  sent me a letter dated XX/XX/24 stating my servicer would be transferred to Fay Servicing, effective XX/XX/24. 
- XXXX  then sent me a letter dated XX/XX/24 stating my loan had been sold and XXXX would be the servicer. 
- I called XXXX and was told to continue paying my mortgage to them. 
- I paid my {$7600.00} payment due XX/XX/24 to XXXX on XX/XX/24. 
- On XX/XX/24 I received a letter from Fay Servicing dated XX/XX/24 stating they were the new servicer. This was a full week after I'd already paid my XX/XX/24 mortgage payment. 
- Fay 's web site states : " If you already made a payment to your current mortgage servicer and that payment wasnt due until after the servicing transfer date, dont worry, your current mortgage servicer will forward the payment to Fay Servicing XXXX '' - Despite the web site 's reassurances, Fay Servicing began sending collections notices citing past due fees and collections calls threatening my credit. 
- I have spoken to representatives of both companies, provided proof of my XX/XX/24 payment to XXXX, and escalated my complaints. Neither company has responded timely ( they send automated " XXXX business days '' responses ). 
- Despite this being their business and an issue they deal with every day, XXXX and Fay seem unwilling or unable to communicate with each other. I paid the {$7600.00} I owed timely ( early, actually ), but am being pursued as if I failed to pay my bill. I do not have an extra {$7600.00} laying around to front while XXXX and Fay do nothing to get this resolved.
Consumer complaint received 2024-05-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (PA)

my fed student loan was discharged in XX/XX/2023 for public loan forgiveness. i have made XXXX payments ( XXXX required ) which should be refunded. I have contacted XXXX and they replied Mohela needs to deal with it. Mohela has not responded.
Consumer complaint received 2017-03-31
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (GA)

Experian and XXXX Consumer Agency has placed a fraud alert on my credit report without my consent. The XXXX consumer agencies acting in this manner because XXXX has purposely submitted a correspondence to the agencies indicating that I recently requested a fraud alert to be place on my credit profile. I have not submitted a letter in writing to XXXX, Experian, or XXXX requesting for a fraud alert to be placed on my credit profile. I recently filed a complaint as well as last year with the CFPB asking for XXXX to release a requested copy of my credit report. I recently submitted All XXXX agencies legal documents from my Chapter XXXX Bankruptcy to dispute inaccurate information regarding former Creditors and the account status which was and still is incorrect. I do n't know why XXXX has provided false information about a fraud alert that I have not recently placed. I always submit in writing and I always make a copy. XXXX is doing this intentionally. I have never really experienced any issues with the other agencies.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-06-12
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: Mcburberod Financial, Inc. d/b/a SeedFi (OH)

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, seedfi 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 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 2024-02-28
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: Experian Information Solutions Inc. (GA)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2022-11-21
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-21
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: Experian Information Solutions Inc. (TX)

After sending a certified letter with other documentation showing the errors ( XXXX ) on my credit file, not getting a response in 30 days, having to contact the CFPB to hold them accountable, Experian sent me a letter and a new credit report stating the info was verified through XXXX. XXXX sent me a letter stating that there is no bankrupcy showing in my personal file. I call Experian and stated that they lied about the bankruptcys being verified through XXXX and the info needs to be deleted immediately. They refused to delete the information stating I needed to wait 30 day for them to investigate. I told them they already investigated and lied about it. Now I have to wait again 30 days to investigate the lie they told and they can continue to violate my rights to fair credit. I told them they have false and damaging information on my credit file and it needs to be deleted immediately, I also stated I need a new credit report showing the deletions. At this point the fact that they lied about the verification and refuse to remove the information, it is a violation of the Fair Credit Act and I am going too sue due to the amount of denile of credit I have been experiencing in the past year.