davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants and Medical Credit Corporation, Inc. (MI)

This company stole my private information and sold it to credit reporting agencies without my knowledge or permission. Let alone my consent. This company has used deception and abuse in order to extort me for a debt not owed. I sent them a cease and desist order, yet they are not complicit. They continue to report false information to my credit report. They have not shown proof of any contract. The refuse to respond, let alone verify and validate the claims. They are in direct violation of FCRA 15 USC 1692. Theyve furnished my alleged consumer report with false information. We never had an agreement nor a contract. This action has caused me great damage without my due process of law. This ruining of my reputation has caused me harm and has limited my ability to obtain credit.
Consumer complaint received 2024-03-01
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. (PR)

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 2024-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/24 my car was broken into my phone, wallet ( ID, debit/credit card ) was stolen. {$1500.00} was fraudulently spent on my Chase debit card at a XXXX XXXX in XXXX, CA. {$360.00} was also spent at XXXXXXXX XXXX store, and {$25.00} at XXXX XXXX I contacted my bank Chase that same day to file a claim on the charges and to cancel the card. The fraud claim I made for {$1500.00} was immediately denied, but other 2 charges were credited after I further complained to Chase. Chase is denying my fraud claim charge of {$1500.00} with no valid explanation and credit. Also notedI filed a police report about my stolen property issue. Chase bank was careless and expressed no concern to resolve my loss. This is total bogus behavior and very unprofessional. It makes me want to no longer bank with the company.
Consumer complaint received 2023-02-02
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: EQUIFAX, INC. (TX)

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. 


OFFICE OF THE ATTY GENAccount Number : XXXX has violated my rights. 

XXXX XXXX XXXXAccount Number : XXXX has violated my rights. 

XXXX XXXX XXXXccount Number : XXXX has violated my rights. 

OFFICE OF THE ATTY GENAccount Number : XXXX has violated my rights. 

OFFICE OF THE ATTY GENAccount Number : XXXX has violated my rights. 

XXXX XXXX XXXX XXXXAccount Number : XXXX has violated my rights. 

XXXX XXXX XXXX XXXXAccount Number : XXXX has violated my rights. 

XXXX XXXXXXXX XXXXAccount Number : XXXX has violated my rights.This account was never 30 days late or past due 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 2023-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing to bring to your attention the violations of USC that I previously highlighted in my letter dated XX/XX/XXXX. It has come to my attention that more than 30 days have passed since my initial correspondence, which exceeds the time frame required for you to investigate as outlined in 15 USC 1681i ( a ) ( 1 ) ( A ). Your lack of response in this matter leads me to believe that the information in question is unverifiable. Consequently, I demand the immediate deletion of the following accounts from my credit file : XXXX - XX/XX/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  XX/XX/XXXX I want to make it explicitly clear that I did not authorize any person associated with these companies to access or view my credit report. Furthermore, I did not provide consent to the Credit Reporting Agency, including your company, to include this information in my credit report. These actions not only violate the provisions of the Credit Reporting Act Section 1681b ( c ) but also constitute fraudulent activity and a severe breach of my privacy rights. 
Therefore, I formally request that you delete the aforementioned information with the companies in question and provide me with copies of any documentation related to these accounts that bear my signature as proof of authorization for the credit inquiries. Additionally, I demand that as the Credit Reporting Agency, you produce a contract between us, the consumer, which contains my signature and demonstrates that I granted you permission to disclose any information on my behalf. In the absence of such documentation bearing my signature, I hereby request that these fraudulent inquiries be promptly removed from the credit file associated with my Social Security number, which you maintain. 
Please be advised that you have a period of 15 days, as per the Fair Credit Reporting Act Section 611, to produce the requested contract and complete the investigation. Failure to comply within the specified timeframe will be considered a violation of the law. Attached you will see the original Dispute I have also attached a cfpb complaint along with a FTC complaint. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-16
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO. (NY)

Formal Complaint Regarding Chase Banks Mishandling of Monthly Service Fees and Refund Denial I am writing to formally file a complaint regarding erroneous monthly service fees charged to my Chase bank accounts and the subsequent denial of a refund for a significant portion of these charges. Additionally, I wish to highlight the integrity issues and inconsistent service provided by Chase Bank employees, which have led to my financial loss. 

Upon opening my Chase bank account, I was explicitly assured by the attending banker that it was designated as a student account, exempt from monthly service fees until the cards expiration in XXXX of this year. However, I have noticed unwarranted monthly charges applied to both my checking and savings accounts for an extended period. Specifically, my savings account has been charged since XX/XX/XXXX, and my checking account since XX/XX/XXXX, totaling {$350.00}. 

According to Chases official policy, the eligibility criteria solely require meeting age ( XXXX years old ) and enrollment criteria at the time of opening, with the card valid for XXXX  years. My account was opened in XX/XX/XXXX and is valid until XXXX this year, clearly meeting these requirements. Besidesmy student ID is valid till XX/XX/XXXX as I provided. Therefore, there should have been no monthly service fees incurred during this period. 

In my attempt to rectify this issue, I have contacted Chases customer service on multiple occasions. After nearly XXXX months of persistent follow-up, a partial refund of {$160.00} was arranged by the staff. Regrettably, despite assurances from the customer service team during XXXX subsequent calls that I would receive a response, but my case was closed without any notification or resolution regarding the remaining {$180.00} owed to me.
Consumer complaint received 2023-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have filed numerous disputes with Trans Union for incorrect listing on my public record they keep saying that a XXXX XXXX bankruptcy is coming back as verified as accurate. No one at Trans Union can seem to tell me where the information is coming back accurate from the courts Ive called them they do not verify if any information with the credit bureaus. Trans Union says they do not know where they are getting the information verified back from
Consumer complaint received 2024-06-19
Product: Credit 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. (LA)

On XX/XX/year> I reserved a few nights ' stay at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Alabama. The final bill was {$360.00}. However, this amount was charged twice on my Chase card. There should be only XXXX charge of {$360.00}. I tried to resolve this issue with Chase through their dispute process and Chase has not helped.
Consumer complaint received 2023-07-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Synovus Bank (FL)

On Saturday XX/XX/2023 XXXX dollars was taken out of my Synovus account without my authorization showing up as if a transaction happened at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX when I had never visited that branch According to them after just using my card once in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ATM someone was able to steal my information The withdrawal was not obvious to me at first since I usually turn off my cell phone on Saturdays but after filing a complaint with synovus they replaced the XXXX dollars XX/XX/2023 I received a call saying they were going to close my account I was never given an explanation as to why the address of their XXXX XXXX XXXX branch reflected on the withdrawal nor why they took measures to close the account they still owe me XXXX cents sent to my account after it was closed I contacted XXXX the branch manager weeks after and she denied being the manager and denied knowing anything about a check
Consumer complaint received 2023-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

When I reviewed my credit report, I discovered that these inquiries were erroneous. The Credit Bureaus must verify these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting inquiries as unverified information without providing any proof within the period allowed by law. The following inquiries need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : 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 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 2022-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2023-08-10
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. (SC)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX, SC XXXX XXXX XXXXXXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX : {$7900.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$2700.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$630.00} XXXXXXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$9900.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1800.00} XXXX XXXXXXXX Balance : {$710.00} XXXXXXXX XXXX XXXXXX/XX/2023
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I had a loan with XXXX XXXX in which I defaulted on the loan. The loan was in collections & the company was in the process of obtaining a court ordered wage garnishment. I received a letter from the attorney representing XXXX XXXX with the outstanding balanced owed. Mailed them a money order for the amount requested yet they are still reporting a balance on my credit report. The balance owed was approximately {$740.00}. There should not be a balance owed on this account.
Consumer complaint received 2023-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This is my several attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. 
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXXXXXX XXXX XXXX Balance : {$730.00}, XXXX XXXXXXXX XXXX XXXX Balance : {$6500.00}, XXXX XXXXXXXX XXXX XXXX Balance : {$2600.00}, XXXX XXXXXXXX XXXX XXXX Balance : {$0.00}, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

Dear Sir/Madam, I am writing to formally request the removal of incorrect information from my credit report. After obtaining a copy of my credit report from your bureau, I have identified the following errors : According to the Fair Credit Reporting Act ( FCRA ), you are required to investigate and correct any inaccuracies on my credit report within 30 days. 

Please conduct an investigation into these matters and remove the inaccurate information from my credit report as soon as possible. I also request that you provide me with written confirmation of the results of your investigation and an updated copy of my credit report.
Consumer complaint received 2023-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The credit reporting agencies continue to report incorrect information on my consumer report. The addresses, the names, the phone numbers, and the personal statements are NOT accurate. I have been a victim of identity theft, I have submitted the report, and the CRA 's will NOT remove the information and will NOT report the correct information. I am submitting a copy of Affidavit, current drivers license, and a copy of the misrepresented information that XXXX has on my report. It is a PURE disgrace for lenders and creditors to depend on the agencies, yet their information isn't factual. Pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is dependent upon my consumer report being fair and accurate. After reviewing my consumer report, it has come to my attention that the CRA 's have reported inaccurate information. This inaccurate information is unfair to me because I was never notified when the inaccurate information was furnished, and I was never notified that they were going to report this incorrect information. This grave error has undermined my confidence in the CRA 's procedures.
Consumer complaint received 2023-07-07
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX  XXXX Balance : {$220.00} XXXX XXXX  XXXX Balance : {$220.00}
Consumer complaint received 2024-04-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: VYSTAR CREDIT UNION (FL)

XXXX XX/XX/2024 a payment was sent to VyStar via US Mail as they have yet to correct my access to their website. XXXX XX/XX/2024 the payment had not been received/cleared our checking account. When I called to inquire I was told " we don't control the US Mail '', " how do I know you are telling the truth? '' and " I can not waive your late fee as VyStar does not control the US Mail ''.

I requested a Supervisor call me and NEVER heard from one. This payment and my XXXX payment cleared in XXXX, but I am somehow being charged a late fee and having my credit negatively impacted due to VyStar 's inadequate ability to process payments they receive via US Mail. 
This is an ongoing issue.
Consumer complaint received 2020-12-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being ignored and disrespected. Section 611 ( a ), plainly states that failure to investigate these items with in 30 days gives a reason to immediately remove these items from my credit report. I demand these accounts be deleted immediately other wise I will file litigation due to the stress and lost of income that this bad credit rating caused me. Per my attorney my information was impacted by the XXXX  data breach and this may be the way my information got into the wrong hands
Consumer complaint received 2024-06-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NY)

My bank account was stolen from past 2 months. And there was total 6 unauthorized transactions billed from XXXX of the city of 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 Our XXXX XXXX XXXX XXXX located in XXXX XXXX XXXX and by our research the XXXX is a utility company located in XXXX XXXX which clearly its not from us and the card or account was been stolen. 

We have been contacted with the Citibank but what we get is they cant dispute for us and we have to contact merchant directly and which support be the bank duty to do. And we ask to change our account number to keep our account safe after we noticed the first unauthorized transaction but the bank denied that and making the thing worth which made total 6 transactions and over XXXX XXXX dollars. 

We would ask for help based on the fact now on and how could we get our money bank.
Consumer complaint received 2022-11-27
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. (CA)

I have not given consent to have my credit inquired and the following companies have violated a federal law called the Fair Credit Reporting Act ( FCRA ). I would like to challenge the validity of the following inquiries : XXXX XXXX XXXXXX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021, XXXX XX/XX/2021, XXXX XXXX XXXXXX/XX/2021, XXXX XXXX XX/XX/2021.