davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-19
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (NY)

Hi, I bought this American Express gift card today ( XX/XX/2023 ) and it is active. I bought because the company American express says that it is useable as long as the merchant accepts American Express... Well, it is a gross misrepresentation and a lie. My gift card has been declined by XXXX and XXXX. XXXX even closed my account for 24 hours because of this. Later I googled this phenomenon and came to know other people have also suffered from this. 

I thought maybe it is best to use it on a different merchant that accepts American Express cards, so this is what I did. I ordered XXXX USD worth of products and yet again it went into pending transaction. My question is why was my transaction not completed? Balance of my Gift is reduced by the same amount i.e. XXXX USD but the merchant hasn't confirmed the receipt of the payment. I have a bad feeling that American Express has taken my money in the name of " Pending transaction '' and nothing beneficial will come out of this for me. I have also read experiences of users on internet regarding the same problem and they never either got the products they ordered or received their money back. 

Please help
Consumer complaint received 2023-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America XXXX XXXX  over charge frauduelent check charges and restriction without consent every month for us treasury XXXX check XXXX XXXX of the month withdrawl XXXX to XXXX in fraud checks each month which is deducted out of my XXXX check that is direct deposit in all of these banks. include XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX in XXXX XXXX  and XXXX XXXX XXXX in XXXX and recently XXXX XXXX deposited my XXXX XXXX  XXXX treasurers check and payroll check into there branch in conyers without my consent from XXXX XXXX in XXXX XXXX XXXX XXXXXXXX both both took my income never had account at XXXX XXXXXXXX XXXX fraud activity my name is ms XXXX XXXX XXXX my social security numer is XXXX i am on XXXX since XXXX in XXXX XXXX XXXX born in XXXX XXXX. i do not need identity fraud american citizern and can prove it.all amounts add up to including social secuity which gave away XXXX to a family member XXXX XXXX XXXX XXXX XXXX or XXXX or XXXX XXXX from XXXX to XXXX whrn my son graduated out of school without my consent still using my information for these banks etc..mortgages credit from XXXX and selling my info. ttotalling XXXX maybe more.
Consumer complaint received 2023-09-29
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)

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : 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 2022-12-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (KS)

I financed a XXXX XXXX  through their finance company - TD retail card services. I was charged a monthly fee for insurance, which would continue after I had paid off the phone. I paid off the phone and the {$11.00} XXXX XXXX  charge, with the {$1.00} sales tax ( I think this is fraud also ) added for {$13.00} a month. According to XXXX, that would be for a maximum of 36 months. 
I got an email from XXXX stating the subscription order was cancelled due to reaching 36 months and all subsequent auto renewal orders were cancelled. So I did not pay the XXXX due in XXXX, for XXXX insurance on the phone. then I got calls- XXXX a day, to pay that XXXX. I logged in to my account XX/XX/2022 stating the above and to remove the late charges and the XXXX charge for XXXX and XX/XX/2022. Payment phone calls keep coming. They did not remove it. I contacted XXXX saturday, XX/XX/2022. the rep told me it was cancelled. I told him it was not, because I was getting about XXXX calls a day for payment. He said he would send it to the back office. I got no reference number - I was driving. 
I called again tonight, Monday XX/XX/2022, to see if it had been resolved. 
I was told XXXX ) it was cancelled for me by the rep again XXXX ) I had to pay the charges on the card with late fees etc are now probably closer to {$80.00} and XXXX ) no reference number for my issue. 
I told her the charges needed to be reversed and the late fees taken off, I was not going to pay those fraudulent charges. She said I had no choice, they would not reverse those charges. The XXXX number i had called- referred from chat online with XXXX  XXXX is XXXX.
Consumer complaint received 2024-03-11
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. (NY)

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove/correct this information at the earliest possible time. 

XXXX XXXXXXXX XXXX date of inquiry XX/XX/XXXX. 
XXXX date of inquiry XX/XX/XXXX. 
XXXX  date of inquiry XX/XX/XXXX. 
XXXX date of inquiry XX/XX/XXXX. 
EXPERIAN XXXXXXXX XXXX date of inquiry XX/XX/XXXX. 
XXXX XXXXXXXX XXXX date of inquiry XX/XX/XXXX. 

XXXX date of inquiry XX/XX/XXXX. 
XXXX date of inquiry XX/XX/XXXX. 
XXXX  date of inquiry XX/XX/XXXX. 

The list above are companies that have been listed for inquiries in my credit report. I have not authorized any of the inquiries made by these companies
Consumer complaint received 2023-06-20
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)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-07-28
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. (WI)

After reviewing my credit profile on XX/XX/XXXX I identified discrepancy 's with my credit profile and the accounts that you are reporting. I have requested for these accounts to be reviewed to ensure that everything was reporting 100 % accurate. I also requested validation of these accounts. I reviewed my credit report again on XX/XX/XXXX and to my surprise, the accounts continued to reflect on my credit report inaccurately and I did not receive any correspondence from creditor to validate the accounts. The accounts were not updated to reflect that they were disputed and therefore, another letter was sent requesting an investigation. 2nd letter was sent out on that day. After reviewing credit report again on XX/XX/XXXX there have still been no updates and the accounts were still reflecting on the report inaccurately. I continued to send out letters monthly to try to correct your reporting errors and the only update provided is " Account previously in dispute- now resolved by data furnisher ''. My concerns are not being addressed after multiple attempts to have my profile corrected and the accounts continues to negatively affect me. Please remove the following accounts from reporting to the bureau until adequate validation has been received proving that all information is 100 % correct. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2018-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (TN)

originally filed XXXX in XX/XX/2018. Chase never gave me the information regarding the initial application XXXX XXXX completed using my information to obtain the credit card. XXXX XXXX has created many accounts using identity theft in my name. XXXX has already acknowedged this and taken the appropriate measures. XXXX is still investigating ( account used to pay this card ), XXXX XXXX has already refunded the money XXXX stole. Chase denies the identity theft yet is unwilling to release the information that would prove this. Saturday of this week I sent a request for documentation to the email address that they provided. I have yet to receive my requested documentation. ( see attached ). In Chase 's response as to the denial of this being opened as a result of identity theft, they even include expenses for a gym in XXXX FL .... I have never had any interest in a gym in Florida. Chase 's own response and supporting evidence further evidences the clear fact that this was fraudulently opened, used and paid for by my funds without my knowledge.
Consumer complaint received 2022-12-13
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. (FL)

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 Also violations of defamation of character Acct name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A. States I have the right to privacy.

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

15 USC 1681 c. ( 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 crime which antedates the report by more than seven years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate ( 5 ) Violation The term violation means any act or omission that, if proved, would constitute a violation of any provision of Federal consumer financial law. 

According to my consumer account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS ALREADY DELETED and REMOVED FROM consumer report because their is no validation of debt between the consumer and company
Consumer complaint received 2022-12-06
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. (MT)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-12-13
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. (GA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2023-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently disputed these items listed and I don't believe a proper investigation was done. You have failed to properly investigate and remove these frivolous inquiries and have not provided validated proof of any findings that prove these inquiries was authorized by me. I request per FCRA requirements. These inquiries should be deleted immediately. I also attached a copy of the FTC report including these fraudulent inquiries.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

The law states that it is illegal to report transaction history on my credit report please update. 

This is a violation of the Privacy Act of 1974 The law states its a violation per violation. 
You have reported my transaction history for over two years I am willing to settle for {$5000.00} for the violation that were committed over the years. 

You have illegal reported my transaction history with XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am now opting of XXXX per 15 usc 1605 they are illegally adding and removing remarks on my credit file per 15 usc 1681 inaccurate reporting as they have no permission to shared my information accordingly to privacy act 1974 and credit report agency is in violation reporting transactions history. 

PLEASE UPDATE
Consumer complaint received 2022-12-13
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

There are multiple inaccuracies in all of these reports from Experian, XXXX, and XXXX such as dates for payments such as XXXX XXXX XXXX XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, balances. XXXX XXXX dates account opened on, and inaccurate reporting dates XXXX, XXXX, XXXX, the date opened in different transunion. XXXX XXXX reported inaccurate open date in transunion, XXXX XXXX is inaccurate dates for late payments in Experian, transunion, and XXXX. XXXX XXXX XXXX ( different account ) XX/XX/XXXX has inaccurate dates for when account was opened. XXXX XXXX has inaccurate late payments dates and open dates.
Consumer complaint received 2022-12-06
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 (NJ)

On XX/XX/2022, my book bag was stolen, and in that bag was my wallet and phone. Once i notice that my bag was stolen i had went to the police station and with out a phone i could not see if there was any activity occulting on my bank. When my phone was replaced is when i notice several charges in multiple bank accounts. | In these charges Chime was one of the bank accounts used to transfer money from one account to another, the account that was used was XXXX XXXX XXXX XXXX

Unfortunately i never have a lock on my phone and as well i keep all my passwords and pins in my notes in my phone, due to memory issues and constantly forgetting my information..

Once ii notice the transactions i i contacted chime and submitted the police report thinking that would be good enough information to cont. a dispute and have my funds return back to me. unfortunate ; l it was not a chime denied andc closed my case in min. with no explanation. 

SO i submitted a rebuttal and this time i contacted XXXX XXXX  which is ehre the money was transferred from my chime to this XXXX XXXX  account that has nothing to do with me and is noted is the account being investigated by the police, with that i also contacted cash app and they submitted an email stating the account in question is not mine and that my personals account has no transactions with chime. and that my debit card was used on a suspected account that does not belong to me. 

after filing the rebuttal my case was denied and closed again only hours after reporting it. 

This is not the first time this has happen with chime but every dispute i have filed has been closed and not investigated in any manner. Every time i ask for the reasoning no one can give me one. XXXX will attache the following documents i submitted with the dispute from not only the police but as well lXXXX XXXX stating the transaction was done unauthorized and illegally as well i will attach the following emails with Chime showing the contradictions and unprofessionalism i had to face during this processes. with all the disputes i have filled chime owes me more then XXXX dollars btu refuse to reimburse me for any of my stolen or unauthorized charges.
Consumer complaint received 2023-06-20
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 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 2022-11-03
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. (LA)

Credit reporting agencies are governed by 15 USC 1681. After providing my vital information Equifax, XXXX, and XXXX disregards my protected rights under 15 USC 1681 and continues to violate my rights over and over.

According to the FCRA AKA 15 USC 1681 i never authorized any credit reporting agency to report such item ( s ) /Account ( s ) to my credit report. I demand the account ( s ) listed herein be REMOVED/DELETED from my credit report. 

I have not received any response from Equifax, XXXX, and XXXX by mail or email. Equifax XXXX, and XXXX has failed to verify its method of verification as required by the FCRA. 

Under 15 USC 1681 I have a right to privacy which have been violated several times and for the record Equifax or its agents never had my consent/permission to furnish such account ( s ). 


Regarding this matter if Equifax, XXXX, and XXXX choose to continue to violate my rights please provide a statement signed under penalty of perjury of the account ( s ) mentioned herein as being VERIFIED and explain how it was VERIFIED if so due to Equifax, XXXX, and XXXX inaccurate/false reporting. Please attach if any an authentic signed contract whereas I gave Equifax, XXXX, and XXXX permission to report this account ( s ) mentioned herein as it will be used for my own and a judge 's inspection if this matter escalates XXXX XXXX to contest these matters. 


XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX ATTACHED- FCRA With section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]
Consumer complaint received 2018-04-23
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: ACIMA CREDIT, LLC (MI)

On XX/XX/XXXX18 I received a report from XXXX XXXX that fraud activity was showing up on my XXXX  credit report. Upon further investigation, Acima Credit was contacted my myself and they denied any info in my name or SS #. I printed a credit report from XXXX  and found that XXXX XXXX XXXX in XXXX FL made an UNAUTHORIZED inquiry of my credit report on behalf of ACIMA Credit. I called the police to make a identity theft fraud report to send to XXXX  to back up my claim. Acima was NO help at all!
Consumer complaint received 2022-12-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (FL)

Now, there is no answer with this company, violating my right, since I paid this debt... I have not had an answer for more than 45 business days, I have demanded that you correct my credit report, and delete your incorrect information