davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Revolut Technologies Inc. (VA)

I am writing to file a complaint against my financial institution, Revolut, for denying my right to a fair chargeback for goods/services not received. The transactions in question occurred on XXXX XXXX XXXX XXXX XXXX. I have listed them below along with the relevant details : Transaction : Date : Merchant : Amount : XXXX XXXX XXXX XXXX XXXX {$40.00} XXXXXXXX XXXX XXXX {$28.00} XXXX XX/XX/XXXX XXXX {$39.00} XXXXXXXX XXXX {$44.00} XXXXXXXX XXXX {$45.00} XXXXXXXX XXXX XXXX {$26.00} XXXXXXXX XXXX XXXX XXXXl {$26.00} XXXX XXXX XXXX XXXX {$35.00} XXXX XX/XX/XXXXXXXX XXXX XXXX {$25.00} XXXX XX/XX/XXXX XXXX {$34.00} XXXX XXXX XXXX XXXX {$27.00} XXXXXXXX XXXX XXXX XXXX {$47.00} XXXX Its important to note the billed XXXX XXXX XXXX ( XXXX ) because the merchant billed for these services that were not provided nor purchased, and each of the merchants listed I have never heard of before. 
Despite my repeated attempts on XXXX XXXX XXXX XXXX to resolve the issue with Revolut, they have continuously denied my requests for a chargeback. I firmly believe that as a consumer, I have the right to a fair resolution when goods or services are not received as promised. 
I have provided Revolut with all the necessary evidence, including proof of purchase and attempts to contact the merchants involved, to support my claim. However, their denial of my chargeback requests has left me feeling frustrated and unfairly treated.

I kindly request your assistance in investigating this matter and ensuring that I receive a fair and timely resolution. I believe Revolut should be held accountable for their failure to address my legitimate concerns and honor my consumer rights.

" I would like to point out that Revolut has repeatedly stated that they can not submit my chargeback due to card scheme rules. However, I want to clarify that this statement is incorrect. According to XXXX chargeback reason code XXXX, which falls under the 'Consumer Disputes ' category, the shorthand description is 'Merchandise/Service Not Received. ' This reason code explicitly states that the cardholder can dispute a transaction by claiming that they never received the merchandise or services they purchased. Therefore, Revolut 's assertion that they can not submit my chargeback based on card scheme rules is unfounded. ''
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I reviewed a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses I have never resided with and may possibly belong to a relative. For the record, I have lived at the same address for five ( 5 ) years. 

My correct name is : XXXX XXXX XXXX Please remove all other name variations IMMEDIATELY, they are not accurate. 
My current address is XXXX XXXX XXXX XXXX XXXX OH, XXXX and I have resided here for 5 years. 
All other addresses are not accurate, please remove them IMMEDIATELY. 
XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXXXXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX. 
Please remove the above addresses they do not belong to me.
Consumer complaint received 2018-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (SC)

I have 2 open paid perfect GM Financial auto leases. Gm Financial has not reported my payment history on the accounts since XX/XX/2017. They inform me they stopped because they went to a new record keeping system and because of technical problems they quit reporting to the credit bureaus. My score went from XXXX to XXXX as a result. I'm in the process of trying to secure a mortgage. Obviously my interest rate is being negatively affected. XXXX says their system records the lack of repOrting as a serious delinquency. Gm Financial was absolutely no help and XXXX  wasn't much help either. I don't understand how GM Financial can do this. I have talked to several other people who are experiencing the same treatment as I am. Any help wI 'll be deeply appreciated.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-04-01
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. (NC)

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX Balance : {$86000.00}
Consumer complaint received 2023-12-29
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

We opened a XXXX XXXX account at Bank Of America in roughly XXXX  It was noticed that service fees were being charged to the account. We addressed it in XXXX and now we noticed we are still are receiving periodic fees. Our daughter is XXXX at this point. We went to the bank location XXXX XXXX XXXX, XXXXXXXX XXXX XXXX in XXXX to address it and today XX/XX/XXXXXXXX  and met with XXXX XXXX. We also called Customer Svc XXXX and spoke with XXXX XXXX and his supervisor XXXXXXXX XXXX XXXXXXXX. They addressed the current charges but could not go beyond the current year. The largest concern i ask them to address was the fact they had the date of birth in the profile of the XXXX and they still are charging them fees. If it has happened to us twice, I know it its wide spread. I ask them to file an internal complaint on this but doubt they will do anything. The {$5.00} a month from however many accounts is probably worth the random complaints. They should not be taking advantage of XXXX in this day and age. They should be able to use the date of birth to prevent this.
Consumer complaint received 2023-08-08
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. (CA)

After checking my credit report, I noticed a fraudulent medical account on my profile. This is causing me distress as i am a XXXX XXXX XXXX veteran. My income is limited and this is in the way of me getting improved for anything. I have my healthcare paid for by the government and this is NOT MINE. Please remove the medical account number " XXXX '' from my report.
Consumer complaint received 2023-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NY)

I had XXXX returned payments because my bank account was frozen and closed due to fraudulent activity from a different card. {$4000.00} was stolen from the bank account that I usually use to make my Amex payments. I informed Amex about the situation and they told me its okay just make payment from different bank account. Considering I have XXXX bank accounts I did and my payments were up to date. I always pay on time and pay off my cards before the end of billing cycle. I had another returned payment because I chose the wrong bank account and I asked Amex to stop trying to take the money out of the account XXXX times. I told them that bank account is the wrong account and I dont use the account and to cancel the payment since I realized my mistake before and made the payment right away with my different account. Amex then told me they need to verify funds from a different bank account which we did. I had sufficient money in there and they unblocked my card. After multiple times of telling them to stop trying to take money from the wrong bank account they did not and kept trying and trying. My Amex card balance is currently XXXX. They actually owe ME money. On top of that I just paid my {$690.00} membership fee which they informed me I might not even get back which is theft, I just paid them {$690.00} for membership and they then close my account? Seems kind of fraudulent to me. They then took {$1200.00} worth of points from me as well. I have been a member with Amex since 2017 I believe starting with XXXX Amex and then gold Amex and platinum. I have paid on time always and never missed a payment. What they are doing is fraudulent and I either would like my platinum card reinstated as well as my gold card or my membership fees back for both cards since they didnt even allow me to finish my year of membership with my gold card. Thats {$250.00} in membership fee for gold card and {$690.00} for platinum. Plus I would like my balance sent to me in form of check. I really would rather have my card reinstated and my points back but if not this is theft.
Consumer complaint received 2017-09-21
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. (TX)

After the recent XXXX breach, it was strongly recommended that I participate in their 1 year credit protection through a 3rd party. In addition, I wanted to freeze information at other agencies : TransUnion, XXXX, etc. I was rudely surprised to find out that I would have to pay a fee to have this done. 
I did not solicit any interactions with these companies ; I did not ask them to track all of my purchases, credit history, etc. Why do I have to pay to have them stop monitoring me? 
I do not want or need any of their services, yet I am supposed to pay to NOT do business with them? Extortion?
Consumer complaint received 2023-11-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-30
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. (OK)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX {$4500.00} XXXX XXXX   XXXX {$24000.00} XXXX  XXXX XXXX {$6700.00} XXXX XXXX {$0.00} XXXX  XXXX {$9000.00} XXXX XXXX XXXX {$3300.00}
Consumer complaint received 2023-09-27
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. (FL)

I am writing to bring to your attention a matter of grave concern related to my recent investigation of my credit report. The findings of this investigation have not only caused me severe distress but have also revealed multiple unverifiable, invalidated, inaccurate, and questionable items that your agency failed to ensure were reported with utmost accuracy. 

As stipulated by the Fair Credit Reporting Act, it is imperative that every detail on my credit report is reported with complete precision. This requirement is underlined in 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), which clearly outline the necessity for accounts to be reported with absolute accuracy. Regrettably, the credit reporting agencies involved in this matter have stated that these accounts are, indeed, in violation of the aforementioned regulations by not being reported with 100 % accuracy. 

This situation has not only adversely affected my financial standing but has also had a significant impact on my emotional well-being. I am writing to request a thorough investigation into these inaccuracies and violations of federal law, as well as immediate corrective action to rectify my credit report. 

I appreciate your prompt attention to this matter and look forward to a swift resolution in accordance with the Fair Credit Reporting Act.
Consumer complaint received 2018-04-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Experian Information Solutions Inc. (OH)

I have been seeing Experian Credit charges on my banking statements for months, but each time I call, the automated system tells me that I have 'free ' memberships, and ends the call. I have tried to get in touch with a live representative on their consumer help line, but I've had to wait 2+ hours each time, only to be told that nobody is available, and that they will attempt to get back to me ASAP, which never occurs. Today, they replied to my email when I told them about the charges, and the representative simply told me to try connecting with the same line that never answers, and never returns my calls.

I have no way of stopping the withdrawals, of which, has been in excess of {$300.00}.
Consumer complaint received 2018-06-07
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. (MD)

Equifax Fail to follow Federal law and not notifying In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.in which i was not notify. that this account from XXXX was recent deleted from my credit report and now XXXX XXXX XXXX, pleace this same account back on my credit report i was not notify. also XXXX and XXXX card over and over stating verified after disputing over and over unacceptable by Equifax these company didnt provide contact with my signature as anytime.
Consumer complaint received 2022-10-25
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: EQUIFAX, INC. (FL)

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 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 2023-11-06
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK (TX)

In beginning of XX/XX/XXXX I was served with a small claims lawsuit from Discover Bank Credit Card representing them was XXXX XXXX XXXX a debt collection firm. I was in current negotiations with Discover about optional payment resolutions, when in XX/XX/XXXX they stopped trying to help me and sued me for a non secured credit card. Discover locked me out of my account and I could not get my financial statements and disclosures. 
I asked Discover and their debt collector XXXX XXXX XXXX. to send me a copy of my financial statements and disclosures and neither of them have sent me copies of my financial statements and disclosures. I asked Discover and XXXX for a debt collection validation notice in XX/XX/XXXX and neither of them have sent me anything. 
From XX/XX/XXXX to XX/XX/XXXX I received 3 to 4 phone calls per day, sometimes from a person, most of the time from a robot from Discover calling himself XXXX. I asked Discover to stop the repetitive phone calls and they did not. Discover annoyed and harassed me from XX/XX/XXXX to XX/XX/XXXX, the calls did not stop till they filed a law suit against me on XX/XX/XXXX. 
The credit card disclosures require to go through arbitration, mediation, or other alternative disputes before going to court and, this process was skipped and Discover filed a lawsuit against me without even providing a debt validation notice.
Consumer complaint received 2023-09-27
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. (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I XXXX XXXX recently received a copies of my consumer reports ( XXXX, Transunion, XXXX ) and I noticed some late payments posted on my consumer report. This company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. Remove late payment Immediately. 
Account XXXX XXXXXXXX XXXX XXXX XXXX Account number XXXX ) Months Showing Late Payments XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023
Consumer complaint received 2023-08-08
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: Experian Information Solutions Inc. (AL)

IN XXXX OF XXXX, SOMEONE OPENED A XXXX ACCOUNT IN MY NAME XXXX XXXX XXXX AND MY WIFE 'S NAME, XXXX XXXX XXXX PRIOR TO XX/XX/XXXX, I HAD A FRUAD ALERT ON MY EXPERIAN CREDIT FILE TO BE CONTACTED AT XXXX BEFORE ALLOWING ANYONE TO OPEN CREDIT ACCOUNTS IN MY NAME AND I WAS NEVER CONTACTED ABOUT THIS XXXX  ACCOUNT WITH XXXX. I HAVE A FRUAD ALERT ON MY CREDIT FILE DUE TO OUR WALLETS BEING STOLEN IN XXXX WHICH CONTAINED PERSONAL ITEMS SUCH AS DRIVERS LICENSE, MILITARY I.D., ANS SOCIAL SECURITY CARDS. 
I NOTICED A NEW MORTAGE ACCOUNT WITH XXXX XXXX XXXX  WITH A BALANCE OF XXXX WHICH I DISPUTED WITH EXPERIAN IN XXXX OF XXXX. 
IN XX/XX/XXXX, I FILED AN I.D . THEFT/ FRUAD REPORT WITH THE XXXX POLICE DEPARTMENT AND ALSO, I FILED A REPORT WITH THE FTC . 
I HAVE DISPUTED THE ACCOUNT SEVERAL OF TIMES BECAUSE I DID NOT SEEK TO OPEN A XXXX/XXXX  WITH XXXX XXXX XXXX.
Consumer complaint received 2022-10-25
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX SC, XXXX XX/XX/1985 Last 4 of SSN : XXXX XXXX XXXX To Whom It May Concern, On XXXX XXXX, I wrote to you requesting an investigation into items that I believed were ( INNACCURATE, OUTDATED OR OBSOLETE ). To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 

Since this is my ( SECOND, THIRD, FOURTH, ETC ) ) request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 

Please see my reasons for dispute below : I have sent proof that there is a substantial amount of errors on my credit file varying from ; XXXX, TransUnion, and XXXX. I have done so more than once. My credit reports still reads errors, which goes against the FCRA. 
( FCRA states all items reported by a furnisher must be 100 % ), and you still refuse to remove those accounts. Every piece of information I provided was/is enough for items to be removed. I attached an updated report that shows that after the first investigation, even when the credit reporters said their investigation was completed, they did not update any information and my report still reads the same thing. 

I also understand that you are required to notify me of your investigation results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below. 


Sincerely, XXXX XXXX XXXX.