davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (IA)

On XX/XX/2023, I used my credit card for a cab in XXXX, XXXX and instead of being charged XXXX XXXX, I was charged {$960.00}. I called to report the overcharge within XXXX hours. The signature on the receipt is not mine. I have written statements describing what happened with supporting information. I have repeatedly contacted the fraud department who continues to tell me they are investigating even though 90 days had passed. They replaced the card citing fraud. This past week, the charge appeared on my card without any sort of notification.
Consumer complaint received 2023-08-23
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: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX # XXXX # XXXX # XXXX # 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 2023-01-12
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Stern Recovery Services, Inc. (NC)

Company contacted me repeatedly. Never left a message. When curiosity got best of me I called the company. They stated an attempt to collect a medical debt I was unaware of at that time. I contacted the medical provider, there was {$1000.00} plus discrepancy in the amount owed. I then called XXXX back asking for written proof of their legitimacy. I was told it wasn't required and they would report a failure to pay on my credit report.
Consumer complaint received 2023-06-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings (NC)

I.Q. DATA INTERNATIONAL , INC reported a collection on XXXX XXXX, 2023 for the amount of {$4800.00}. 
Agency Address : XXXX XXXX XXXX XXXX, WA XXXX Agency Phone : ( XXXX ) XXXX Original Creditor Name : STATION AT XXXX XXXX NC I.Q. DATA INTERNATIONAL , INC is a third party debt collection agency representing STATION AT XXXX XXXX XXXX. I never signed a contract with I.Q. DATA INTERNATIONAL , INC. I never gave consent for these companies to use my private information. I never received a notice or method to opt-out or prevent the disclosure of my private information to third parties pursuant 15 U.S. Code 6803 Company is negatively harming my nonpublic personal information.
Consumer complaint received 2024-04-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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.
Consumer complaint received 2023-08-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (HI)

On XX/XX/XXXX Bank of America without notifying me placed a DEBIT/HOLD ( their description ) of XXXX for XXXX  from the State of Massachusetts. The XXXX from the State of Massachusetts was for XXXX and as of XX/XX/XXXX Payment in full has been made to the State of Massachusetts.
Consumer complaint received 2024-04-03
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. (CA)

Today is XX/XX/2024. I checked my credit report and saw fradulent accounts open in my name. Please remove these accounts. I have never opened these accounts or used these services with these companies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-04
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. (NC)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXY 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as lateforanypurpose
Consumer complaint received 2018-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (PA)

On XX/XX/2018 at approximately XXXX EST I attempted to place a credit freeze on my credit report with Experian PLC. I attempted to place this credit freeze online via the Internet. After entering all required information I received a message requiring me to send further information via registered mail. Registered mail is not free. It is my understanding current law requires credit reporting companies to place credit freezes at no charge to the consumer. Please require Experian to place a credit freeze on my credit report free of any charges. Thank you for your assistance.
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IL)

I WAS NOTIFIED OF A DATA BREACH FROM MY LIFE INSURANCE COMPANY AND I WANTED TO FREEZE MY CREDIT. I ATTEMPTED TO CALL EXPERIAN XX/XX/23 AT 3 DIFFERENT NUMBERS ALL THAT TOOK YOU TO THE SAME AUTOMATED MESSAGE THAT WOULD CUT IN AND OUT REPEATADLY BUT WOULD NEVER TRANSFER YOU TO AN AGENT. SO I GAVE UP ON TRYING TO GET THROUGH BY PHONE AND WENT TO THEIR WEBSITE ENTERED ALL MY INFORMATION AND THE LAST STEP TO COMPLETION WAS TO ESTABLISH A USER NAME, AFTER SUBMITTING ABOUT 10 USER NAMES, EVERY TIME I TRIED THEY WOULD BE REJECTED AS BEING USED BY ANOTHER PERSON ( HARD TO BELEIVE ) SO I COULD NEVER GET MY REQUEST SUBMITTED. SO I WENT BACK TO THE PHONE, SAME RUSULT. I ALSO CALLED XXXX XXXX AND XXXX THAT WERE FLAWLESS AN HAD MY REQUEST COMPLETED IN ABOUT 10 MINUTES. ALL I WANT IS PHONE NUMBER ANSWERED BY A PERSON ( NOT AN AUTOMATED SYSTEM ) SO I CAN GET MY CREDIT FROZEN. ANY ASSISTANCE WOULD BE GREATLY APPRECIATED. THANKS,
Consumer complaint received 2023-08-23
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: Experian Information Solutions Inc. (MA)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-08-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NE)

Hi on XX/XX/2023 my chime account was hacked, I left the the gas station and left my card there, on the way back I looked up the number to chime and got a rep on the phone, I asked them to lock my card because I left it at a gas station, the man said he would, a few minutes later I found my card and asked him to unlock it, he then told me that I had to follow his directions and he would put my money back onto my card, he then had Mr put an app on my phone called XXXX, then before you know it I could physically see that he was entering an email address and moving my money from my account, I could see him remotely doing it and I did not know what he was doing, when I asked what was happening he assured me that he was moving my money from checking into my savings, at this point I started to get nervous and hung up the phone and tried calling chime back then the guy I was talking to called me back, I felt like something was wrong so I hung up again and called chime again, when I got somebody new on the phone I told them what was going on and they said that I wasn't talking to them qt all, at this point I knew that I was just scammed, so I asked them to stop the payment and told them what had just happened minutes prior, they told me they couldn't, I it was to late, I explained that I didn't authorize it and that it wasn't me, I opened a dispute and sent them phone numbers that were used and screenshots of the app that was on my phone, I made a police report and contacted the ftc and made a report I the denied my dispute and have denied all XXXX of my rebuttals, I have spent countless hours talking to chime and sending emails and reaching out to get my money back. They keep telling me that they found no error, chime will not send me any info on why or they won't let me talk to the investigation team nor will they let me talk to these fraud department, they just won't give me any info. I also reached out the the bbb, but I don't know what else to do. Can you please help me
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

in the past, i was able to unfreeze my acct by telephone. Now I am forced to a website and must enter my social security number for the world to see. 
I don't own a computer and must go the library for access
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A. Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case!
Consumer complaint received 2021-04-19
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. (OH)

The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX  XXXX XXXX # # # # # XXXX, XXXX XXXX XXXX XXXX # # # # # XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-21
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-11-12
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. (TX)

When purchasing vehicle I used XXXX XXXX, the dealership was having a 90 day no first payment special if you purchased a vehicle. They billed at day XXXX but never once sent a bill via mail, email etc. when calling to dispute the bank agent admitted to having the wrong information. Name was spelt wrong, e-mail was not the correct email and there was no address on file. After admitting their mistake they still refused to reverse the late payment on my account which is absolutely unacceptable. I have appealed this decision now 4 times and unfortunately will have to file complaints with lawyers or XXXX
Consumer complaint received 2023-08-23
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: Experian Information Solutions Inc. (MI)

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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX ACCOUNT NAME : XXXX XXXX  # XXXX. HARD INQUIRE : XXXX XXXX XXXX XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2022-10-21
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. (IL)

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. 

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 reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.
Consumer complaint received 2023-11-12
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (VA)

I was in the process of purchasing a home and needed to clear out credit card balances. My bank sent a check directly to Comenity bank Childrens Place to pay off my balance. The check was mailed out around XX/XX/XXXX. My bank has confirmed the check was endorsed by Comenity on the XXXX of XXXX. I have called customer service multiple times and continue to get the run around. I finally was able to file a dispute with them on XX/XX/2023 and they requested for me to submit proof. I sent a copy of the check and the endorsed copy. My bank also sent the same thing via USPS. Its been over XXXX weeks that I have tried to get a response from them as I submitted proof and continue to just get automated responses that they will need to investigate. Not sure what else they need to investigate when they received {$360.00} payment and never applied it to my account. I am really frustrated about this situation, i keep getting phone calls to make a payment as I am late on a payment, however they received my money and if it would have been applied to my account my balance would be {$0.00} right now. I need help as their customer service dept isnt helpful. I even filed a complaint with XXXX  which provided your website.
Consumer complaint received 2023-08-23
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. (MA)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-08-17
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. (VA)

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts 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 accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-04
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. (KY)

Transunion is reporting income to consumer 's report. The IRS has accepted this as reported income and XXXX cancellation of debt by XXXX Department XXXX account number XXXX was received from IRS. Transunion is inaccurate reporting income a certificate of indebtedness to my consumer report. I have attached my personal identifying information such driver 's license and utilities bill. 
XXXX XXXX XXXX XXXX # last XXXX digits # XXXX XXXX XXXX XXXX XXXX KY XXXX
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hi! 

I didn't give companies permission to view my credit score. 

XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> CAP XXXX NA XX/XX/year>