davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-03
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: EQUIFAX, INC. (NY)

I, XXXX XXXX a natural person, ( hereinafter referred to as consumer ) is sending notice to Equifax XXXX, its United States affiliates ( collectively, Equifax, we, us, our ) consumer is opting out of any privacy policy and/or terms of use consumer may have directly or indirectly agreed to using Equifax services or website. 
Equifax is only authorized to collect, use, sell and/or share consumers personal data and financial information relating to consumer in accordance with the direct and written instructions from consumer prior to any use of consumers personal data and financial information.Charge offs should be excluded from a consumer report AND credit file. According to the IRS a charge off is a debt that has been cancelled and to be considered as ordinary income.Your company is a powerless Elaborate mechanism this mishap that your company has caused has ruined my reputation Your Company assumed this role. You were not Given Express Permission By me, the Consumer So, not only did you FAIL in the initial investigation of this information. You also assumed this role, and assumed this information was Valid which is a Violation of my consumer rights. 
Pursuant to 15 USC 1681 ( a ) You did not ensure that this information is Accurate, and you did not exercise your grave Responsibility with fairness and impartiality and never consulted with me to find out if this transaction Ever took place. As a result of this my Privacy was Breached, and this Violated my right to PRIVACY. This alleged transaction that you are reporting and FAILED to investigate, whether or not it factually took place, can be categorized as Transaction that took place between the consumer, and the person making the report, Which means it should not be included in my consumer report, and in fact is a VIOLATION of my Consumer rights. Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( iiii ) - In your initial investigation I was never given the opportunity to deny this information being communicated on my consumer report.This is in fact another VIOLATION. Pursuant to 15 USC 181a ( B ) - Any authorization of a specific extension of credit of a credit card or similar device should be excluded from my consumer report.This alleged transaction that your company clearly did not investigate is categorized as a transaction that was issued from a CREDIT CARD. Credit Card as defined under 15 USC 1602 ( i ) Definition attached and highlighted in Exhibit B ) This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.
Consumer complaint received 2022-12-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

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 2023-10-03
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: EQUIFAX, INC. (MS)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-12-08
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. (TX)

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$460.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-10-13
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (OK)

I tried XXXX times to make a payment on time on my XXXX BankXXXX account. I was unable to. I was at work and didn't have time to keep on trying or to contact the company. I work in a very busy job and we've been shorthanded. I was finally able to get on and change my password. I paid the balance in full. When I got my statement a few days later I noticed they had added a late fee. I also noticed that it had another name on my address ( XXXX XXXXXXXX XXXX XXXX that I had never heard of before. When I called the company, they said this name was added on XX/XX/XXXX. I did not add it. Apparently my account has been hacked and that is why I was unable to get on to make a payment. It took several attempts to get the password changed. Whoever hacked it must've change the password and it's not fair that I have to pay a late fee of XXXX when I attempted to pay on time but because my account was hacked I was unable to pay on time or to fix the problem while I was at work.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

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 2023-10-03
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. (MS)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-10-03
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. (IN)

On XX/XX/XXXX, I wrote a check for payment of my Chase Freedom Visa card. I wrote the check in the amount of {$1700.00}, payable to Chase Card Services, and mailed it to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. The check was written on my XXXX XXXXXXXX XXXX checking account. 

Sometime between XX/XX/XXXX and XX/XX/XXXX the check mailed to Chase Card Services was stolen and altered. When I attempted to balance my checkbook on XX/XX/XXXX, I noticed that check had been altered. EVERYTHING on the check had been changed except my signature. The date on the check was changed to XX/XX/XXXX. The check was then made payable to XXXX XXXX XXXX and the amount was changed to {$1600.00}. XXXX XXXX XXXX then electronically deposited the altered check into his Chase Bank account. He endorsed the back of the check and also printed, for electronic deposit at Chase only on the back of the check. On XX/XX/XXXX the {$1600.00} was withdrawn from my checking account at XXXX XXXX XXXX 

I filed a police report on XX/XX/XXXX and was assigned a case number. 

My bankXXXX XXXX XXXX  filed an Altered Check Affidavit and Agreement with Chase Bank. This was also done XX/XX/XXXX. I was told by XXXX XXXX personnel that Chase Bank would have 90 days to acknowledge the complaint. It is now several days beyond the 90 day period and Chase Bank has not responded to XXXX XXXX XXXX regarding my affidavit. Per XXXX XXXX, branch manager of XXXX XXXXXXXX XXXX Chase has not acknowledged the affidavit, even though the 90 days has passed. 

Chase Bank is non-compliant. 

I am including a detailed letter and documentation regarding this complaint.
Consumer complaint received 2023-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK (AZ)

I tried to contact Discover today via their website and my XXXX app ; I repeatedly had difficulty logging in even though I recently changed my password again ( have done this at least once in the last few weeks ) but I could not log in. When you ask for help or try to find Discover 's contact information their website forces you to interact with a bot that fails to provide login info and fails to email or text a security code or offer a process to log in to get access to your account. 

I am trying to close my account and permanently end my poor relationship with Discover because they have poor customer service and make it obviously incredibly difficult to communicate with. I am trying to log in to make sure my account is completely close and any and all charges have stopped and also close the savings account I have with them. They are refusing to allow me to log in to see my account information and are not offering an alternate way to gain access to their account. In addition, their contact phone number and general contact info is purposely hidden and/or difficult to find on their own website. They should be prohibited from doing any further credit card business in the State of Arizona until they become transparent with their contact information and make it easier for credit card or bank account customers to log in to find and see they're information.
Consumer complaint received 2023-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

Timeline of Events : Date Account Opened : XX/XX/2023 Date of Account Blockage : XX/XX/2023 Amount in the Account at the Time of Blockage : Can not access my account, about {$5000.00} Description of the Issue : Approximately three months after opening my HSBC account, I experienced a sudden and unexplained blockage of access to my account. HSBC provided no specific reason for this action. I have made multiple attempts to communicate with HSBC regarding this issue but have not received any satisfactory response or resolution.

Actions Taken : Contacted HSBC customer service.

Requested an estimated time for resolution.
Consumer complaint received 2023-06-22
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-04-24
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. (VA)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-03
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: Experian Information Solutions Inc. (TX)

I just got a copy of my credit report and noticed some inquiries that I have no knowledge of or give consent to. According to Section 604 of the FCRA, would you kindly provide me with permissible purpose, proof that I initiated these inquiries, and written authorization for all inquiries listed on my credit report? If you have NO PROOF, I demand immediate deletion from my credit report. 

I have contacted the below creditor and they apparently have NO proof I have initiated such inquiries, nor written authorization, and have failed to provide a permissible purpose. Since, they do not have my authorization, written or verbal I am asking you to kindly DELETE these inquiries from my credit report immediately as there is absolutely no evidence of my authorization, nor permissible purpose. 

According to my research, under Section 604. Permissible Purposes of Consumer Reports 15 U.S.C. 1681b ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S.C. 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete.
Consumer complaint received 2024-04-04
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Credit reporting companies.TransUnion ( XXXX auto ) XXXX. XXXX  .not following rules. Laws regulating .. items not my account, such name is incorrect which ( .Credit repair companies ) hired. sent out letters sum certified requests to please remove. These items companies whom trying collect money. Same amount money Not owed due to payment payed in full ( XXXX XXXX XXXX XXXX. Which all one company. Requesting same amount money ... who sold theses accounts to numerous diifferant colllectiions agencies XXXX, XXXX, XXXX XXXX  others. Report all 3 bureaus,,, whom request same amount money. At the same time.. Fraud ) and its effects my credit scores. Rating Due to late. Patents etc. Late dates that constantly pullin the credit scores down I sent in drivers license. Request 4-6 months same disputes.. Credit repairs companies has sent theses companies on going letter 's makes changes not done almost year,
Consumer complaint received 2023-11-12
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: OPORTUN FINANCIAL CORPORATION (NV)

I have authorizes my fiancee to speak on my behalf several times. I lost my job because I kept having to be interrupted at work to verify that they can speak with her. So now that I have no income they called me on a Sunday Morning before XXXX. When I asked what company the woman just gave me her name again and I advised her that I asked for the company name she finally said oh opertun.
Consumer complaint received 2023-10-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO Bank, N.A. (MO)

I tried to pay off my loan with BMO. The amount still owed was XXXX was sent to them on XX/XX/XXXX. My bank said it was clearly written out for that amount but they requested from my bank XXXX. My bank said to call the company and let them know they made a mistake and they would send back with insufficient funds. I did this. The first woman I spoke to said that it was obvious that someone mistook a 1 for a 4, and that they would take care of it, and if it did not get taken care of before the next payment was due there would be no late fees. I waited until today ( XX/XX/2023 ) to let them fix their mistake, but had heard nothing. I called on 3 different occasions today and was hung up on 3 different times.
Consumer complaint received 2023-10-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp. (CA)

XXXX XXXX a money transfer was sent to XXXX XXXX in the amount of {$200.00}. Since that day, the transaction has been stuck and delayed. Every 6 hours the WorldRemit company sends automated messages telling me that the transaction is still delayed. 

I phoned on XXXX XXXX and was told that the company is having technical issues with transactions to XXXX. The representative told me to look out for an email telling me that they agreed to refund me my money. 

However I only received an email asking me to answer a survey.
Consumer complaint received 2023-10-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FC HoldCo LLC (OH)

I am the author of this complaint and I have attached a copy of my driver 's license, social security card, and an identity theft report to this complaint. I contacted FLAGSHIP CREDIT ACCEPT about an account that they are reporting to my credit report. They are reporting the account fraudulently and without my authorization and consent. They claim that I owe them balances on debt accounts but they have not provided VALIDATION that a contract exists between myself and FLAGSHIP CREDIT ACCEPT. If no contractual obligation exists between us then how could I legitimately owe them for any debt? 

If FLAGSHIP CREDIT ACCEPT continues furnishing, reporting, and making attempts to collect debt that does not belong to me then I will have to include them in an arbitration claim for violation of the FCRA, FDCPA, and for aggravated identity theft. Please see FLAGSHIP CREDIT ACCEPT 's info in identity theft report attached
Consumer complaint received 2023-10-03
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. (OH)

These hard inquirieS on my credit report... fraud activity was done! I need these hard inquiries removed. NOT familiar at all with these 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 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 2023-10-03
Product: Credit 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: CITIBANK, N.A. (NJ)

I placed a order from Macy's.com and never received the items. I filed XXXX disputes and they where denied. Never providing a signature or where it was left. I shortly went on vacation and never got it.i came back looking for it it was never here. Noone in my family signed for it. Now I'm being charged interest on stuff I never received I ask for a resend of the lost items. Denied. And I've been a faithful loyal client to remove since XXXX. Very disappointing XXXX XXXX XXXX {$960.00}