davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-03
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. (TX)

A charge was made on our Chase XXXX card in the amount of {$10000.00} to The XXXX XXXX on XX/XX/XXXX. The service was for a time share exit. After several communications with The XXXX XXXX, and their agent, XXXX XXXXXXXX XXXX, it was apparent that they were not able to assist us. Their delay cost us an additional fee increase of {$700.00} to exit XXXX XXXX XXXX XXXX through their XXXX program. On our own, we finished exiting the second timeshare on XX/XX/XXXX, thus avoiding membership and maintenance fees, totaling {$2900.00}, due XX/XX/XXXX. We requested a refund from The XXXX XXXX, but they refused. We contacted Chase to dispute the charge as Chase claims to protect from fraudulent vendors. The charge was disputed in XX/XX/XXXX and documentation explaining the incident was submitted. In XX/XX/XXXX, Chase CLOSED the dispute with the following comments : " Dispute outcome -- Credit issued. We reviewed your dispute with the merchant and decided in your favor. We closed this dispute and changed the temporary credit we issued your account while your dispute was still under investigation into a permanent credit. '' XXXX was made on this statement and the permanent credit. I placed reliance upon Chase Cardmember Sevices written decision, and spent that earmarked $ XXXX money on a home irrigation system. Legally, promissory estoppel should prevent Chase Cardmember Services from changing their written decision, on or about XX/XX/XXXX. Chase rebilled the charge to our closed credit card account and charging interest on the {$10000.00} twice reversed charge. Chase Executive Office investigator XXXX ( no last name provided ) has not returned my telephone calls, and no manager was available today to answer my questions.
Consumer complaint received 2023-07-25
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. (TX)

XXXX XXXX, Account Number XXXX XXXX XXXX XXXX XXXX XXXX, Date XXXX XX/XX/2023. The credit bureaus keep violating the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-19
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. (AL)

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b 2. company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4
Consumer complaint received 2023-02-14
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. (FL)

XXXX XXXX XXXX XXXX XXXX Credit reporting Improper use of your report Equifax Credit Bureau XX/XX//2022 This information above was the first time that I sent a complain. the only bureau the did not fix the information was EQUIFAX, I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate. 

I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencie which is equifax, not modify or removed anything. 

So i asked for the description of the investigation according to 15 USC 1681i. I still didn't receive anything. 
Also I sent them a letter and still no response
Consumer complaint received 2023-06-20
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

purchased few gift cards on XX/XX/XXXX. When opening the package it turned out that 4 digits of the cad number had been manually removed ( probably by a scammer ) and the magnetic stripe somehow deactivated which prevented me to use the card. Fortunately I noticed it really fast and was able to call the number on the back of my card to ask gift card issuer to immediately block my card and send me another one. 

Incomm sent an email stating they will send a replacement card, but I have not received anything nor did they provide a tracking number.
Consumer complaint received 2024-03-26
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: EQUIFAX, INC. (VA)

In the second week of XXXX I noticed that I had an unauthorized inquiry on my credit report from XXXX XXXX dated XXXX XXXX, XXXX. I tried to file a police report with my local sheriff 's office, but they told me that they lack the capacity to investigate credit fraud of this nature and told me to contact the bank where the inquiry was placed. The bank where the inquiry was placed told me I should call the credit reporting agencies directly and consider getting advice from my attorney regarding the Fair Credit Reporting Act. When going over of my credit report with my attorney, I realized there were XXXX additional inquiries ( XXXX dated XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ) that were not authorized on my report and called XXXX, XXXX, and Equifax to have the unauthorized inquiries removed. The reporting agencies instructed me to file a report with the FTC ( which redirected me to the CFPB website ) and then send them a copy of the report along with a copy of my driver 's license, social security card, and cover letter explaining the inquiry removal request. 

I am submitting a second report for Equifax specifically because for some reason unknown to me there were several more recent unauthorized inquiries on my Equifax report that were not on my XXXX or XXXX report. I am unsure why these inquiries are only on my Equifax report but I have listed the unauthorized inquiries below that I need to dispute. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX  XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-07-25
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. (CA)

My credit report is showing late payments to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative.
Consumer complaint received 2023-07-25
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. (NJ)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank youXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

- Found out our XXXX  account was closed -Found out my individual business debit card was to make unauthorized transactions -called my bank ; they had me bouncing from every single department they have and no one helped me fix the issue. 
-I have no access to our XXXX account to see the unauthorized transactions. 
-our company would like to file claims for the unauthorized transactions, reopen our account and make our deposit/transactions as usual. 
-we had no notice/alerts or any other warning of fraudulent transactions being charged to our companys account. Otherwise we wouldve taken action towards it.
Consumer complaint received 2024-03-26
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. (IL)

Demand deletion of this item and compensate for the violation. 
Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this.
Consumer complaint received 2023-01-03
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: Bread Financial Holdings, Inc. (NY)

I was notified on XXXX XXXX XXXX that there was a change of address linked to my Zales/Commenity credit card. 
On XX/XX/XXXX I called XXXX and they were closed On XX/XX/XXXX I called Zales/Commenity Bank and they told me that the change of address was not linked to my accoung On XX/XX/XXXX I called XXXX again and they told me they couldn't do anything but mark the address as fraud and to file a compliant here On XX/XX/XXXX I called Zales and they couldn't find anything again
Consumer complaint received 2023-02-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

Sometime around XX/XX/2022, Nationstar Mortgage LLC ( d/b/a Mr. Cooper ) started utilizing a new payment system. The new payment system is rejecting online payments. This is the third month in a row I have submitted payment to have it returned prior to reaching my bank account. The result is their collections department calling me demanding payment. The collections department appears unaware of the issue and the solution provided by management is to process the payment over the phone. I currently have 2 months past due that I have submitted payment for multiple times and they want me to submit additional payment over the phone to bring the account current. There is no presentation of a solution that will result in my future payments being accepted without me calling in ensure my online payment was processed.
Consumer complaint received 2022-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have requested for Transunion to fix my personal information and DELETE ALL OTHER INACCURATE NAMES And addresses from My consumer report. This is inpacting important situations for my well-being. This company is in violation of The law title 15 USC 1681b ( a ) ( 2 ), A CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER ; IN ACCORDANCE WITH THE WRITTEN INSTRUCTIONS OF THE CONSUMER TO WHOM IT RELATES. 
This company has knowingly furnished my consumer report with inaccurate information multiple times without having my wet ink, written instructions to do so.
Consumer complaint received 2017-02-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have request that is bankruptcy be remove off my credit report many time. 
This is not mine. Please see below. 


Reference Number XXXX Date Filed XX/XX/XXXX Date XX/XX/XXXX Status Dismissed Amount {$0.00} Classification Bankruptcy Responsibility Individual Asset Amount {$0.00} Contact Details GEORGIA FEDERAL COURT-XXXX XXXX XXXX, GA XXXX XXXX
Consumer complaint received 2023-02-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Someone has tried to submit an application with Capital One on XX/XX/2023 at XXXX - of course it did not go threw so to I have my account frozen for the past 3years. Someone out there has my social and ID information trying to get credit cards or loans under my name.
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

Starting XXXX XXXX, XXXX, all medical debt less than {$500.00} will not appear on credit reports from the three major bureaus. 
I want Equifax to follow through on this new policy with the following : XXXX XXXX XXXX placed on on my report on XX/XX/XXXX a debt of {$89.00}. XXXX dollars from XXXX XXXXXXXX XXXX XXXX. 

This is a debt I deny ever owing but irregardless, I want removed completely from my report.
Consumer complaint received 2022-11-02
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. (VA)

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. 

Accounts # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US dept of edXXXX 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 has all violated my rights.

15 U.S.C 1681 section 602 A. States 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
Consumer complaint received 2023-05-21
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: EQUIFAX, INC. (GA)

I am writing to file a formal complaint regarding the inaccurate reporting on my credit report. According to the information provided by XXXX, Equifax and XXXX ], there is a late payment listed on my account for XXXX XXXX XXXX. I would like to emphasize that I have never been late on this account, and I hereby request that you provide proof of this alleged late payment. 

I believe it is essential to address this issue promptly, as an inaccurate late payment notation can have a significant negative impact on my creditworthiness and financial standing. Therefore, I kindly request that you provide documented evidence of the alleged late payment, such as transaction records, to support your reporting. 

If you are unable to produce verifiable proof of the late payment in question, I insist that you take immediate action to delete this erroneous information from my credit report. As a consumer, I have the right to accurate and fair reporting, and any false or misleading information should be rectified in a timely manner. 

I trust that the Consumer Financial Protection Bureau will handle this matter with the utmost professionalism and diligence. I am confident that you will conduct a thorough investigation into my complaint and take the necessary steps to rectify the inaccurate reporting. 


I appreciate your attention to this matter and your prompt resolution of the issue. I look forward to receiving your response within the timeframe stipulated by law. Should you require any further information or have any questions, please do not hesitate to contact me at the phone number or email address provided above
Consumer complaint received 2022-11-02
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. (TX)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-03
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

In XXXX I performed massage services to XXXX XXXX XXXX he payed with check didnt want to put massage so he wrote birthday and rent in the memo ace cash express called the bank and verified the checks and after confirmation cashed them, I recieve a call today 5 years later informing me that ace cash express made 2 complaints against me and are threatening to garnish wages from me in order to secure payment yet there is no legal action taken against me by me XXXX apparently he didnt have the funds available even though they were verified by phone by the teller at ace
Consumer complaint received 2023-01-03
Product: Credit card or prepaid 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: Self Financial Inc. (CA)

TO : XXXXXXXX XXXX XXXX XXXXXXXX I reviewed my Consumer Reports and noticed that I had 3 late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the XXXX XXXX XXXX XXXXXXXX XXXX Please investigate and provide Proof with statements, full accounting, on ledger off ledger showing that these payments were late. If proof can't be provided I demand these payments be updated on the time as they should be as I was NEVER Late. Thanks, Sincerely, XXXX XXXX
Consumer complaint received 2022-11-02
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)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (FL)

The account shows a balance that is not correct. 
It doesn't include two payments totaling {$20000.00} One of the payments was made XX/XX/2023 and the other was made XX/XX/XXXX, XXXXI have offered to send them the statements showing that they received this money, but no one answers or gives me direction to help me. 

We have emailed Mohela numerous times and no one answers. 
We need answers. 
Please, please, please help. This is a lot of money that is not accounted for. 

Account # XXXX for XXXX XXXX
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

The presence of these fraudulent details violates the regulations set forth in 15 USC 1681C-2. I am formally requesting the removal of these unauthorized and unlawful inquiries from my credit report. These deceptive inquiries not only provide an inaccurate portrayal of my credit history but also expose me to considerable risks concerning my financial stability and reputation. It is crucial to address this issue promptly to protect my creditworthiness and uphold the integrity of my credit report. Therefore, I am seeking the swift removal of these fraudulent inquiries to restore the precision and dependability of my credit profile.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

Hard Inquiries XXXX XXXX  XXXX XXXX XX/XX/2026 XXXX XX/XX/2026 XXXX XXXX XXXX XXXX XX/XX/2026 Called Equifax to put alert on my account.