davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-21
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. (VA)

Dear Sir, Madam : In XX/XX/2021 I bought a TV from XXXX XXXX using my Chase Ink Visa for business for {$370.00}. XXXX XXXX delivered it twice to wrong addresses. After I informed them of the error ( they sent me the picture of the house where they delivered the TV, but it was not my house ), they refused to correct their mistake, and decided to cancel my order. I filed a dispute with Chase after waiting a few days without seeing refund, but later I found the refund posted in my account. I thought XXXX XXXX had refunded my money and my dispute had been resolved. However, in XXXX this year I discovered Chased had charged me {$370.00} again. I immediately called Chase, and faxed supporting information to them. Unfortunately, my disputes have all been turned down with explanation that Chase found the charge valid, and there was no account error. 
It unreasonable to claim the charge was valid : the merchandise was not delivered to me, but someone else, which I have proof. Furthermore, XXXX XXXX canceled the order, but not refunded my money. I had talked to XXXX XXXX many times without any resolution. I did not dispute any account error in this case. When I use Chase Visa, I believe Chase would protect their consumers against unscrupulous or irresponsible merchants like XXXX XXXX in this case. 
I ask you to help me to make things right, and elevate the matter to Chase management so that Chase will do what they promise in protect their clients. 
Please let me know what supporting information you need, and how to provide them. 
I sincerely appreciate your helps in protect all consumers like me. 
Respectfully XXXX, XXXX
Consumer complaint received 2023-12-07
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (MO)

Americollect is attempting to collect on a debt that does not belong to me. XXXX started the dispute process got collections removed from the credit bureaus due to the accounts does not belong to me never resided at the home they have listed. However I received a collection notice and the mail XX/XX/2022 sent them a debt validation letter XXXX they responded XXXX with a list of statements again that does not belong to me never have I resided at the address they listed. Therefore I am filing a complaint on a debt that is not mines and does not belong to me. Amounts that they are attempting to collect is {$33.00}, {$120.00} and {$380.00}
Consumer complaint received 2023-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (MI)

XX/XX/2022 I reported to Citibank fraudulent charges of {$120.00}. At the time I owed them {$66.00} which I paid off in full. They cancelled my card sent me another one fraudulent charges continue with that they closed that account and close the account out. Despite several calls since XXXX and they sending me letters admitting they are working on the dispute I still get automated daily harassing telephone calls saying " trying to collect a debt '' -even on Sundays- and letters saying I owe {$160.00} which includes interest even on Sundays. Every month they email me saying my statement is ready but I never received one in the mail. The letters they sent me said my account is closed so why am I receiving statements Citibank has reported negative payments with the XXXX reporting agencies lowering my credit score. I owe them nothing. when I call citibank I get transferred all around with no resolution of the dispute That I initially reported in XXXX of 2022. 

I don't have complete credit card numbers because I was instructed to destroy the cards. I only have last XXXX digits. Original account ended in XXXX. Replacement ends in XXXX
Consumer complaint received 2020-03-11
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. (TN)

I recently ran my credit when applying for a autoload and was told that I was not approved due to negative accounts on my credit. When closely examining my report I noticed several accounts that I have never been associated with and never gave permission to run my credit. Someone has done identity theft on me and now my whole credit rating is ruined. The accounts list as follows XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, Us dept of vet affairs, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-04-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC. (TX)

My Robinhood account has been restricted since XX/XX/XXXX. Unfortunately, after numerous attempts to get my account verified and unrestricted with Robinhood Financial, they have not only given me the classic customer service runaround, they have refused to unrestrict my account after I've verified both my identity and the legitimacy of the funds, even with the help of my bank. This has resulted in over {$7000.00} of my personal savings being held hostage by Robinhood. 

I have contacted Robinhood customer service on 4 separate occasions, however, on each occasion, I'm told the " case will be reviewed '' and that I'll receive a phone call from a member of their verification team within 2 or 3 business days, and this includes a notification on the app. I have also been asked to provide bank statements and to verify my identity, every single time. I have done so without delay, again, 4 separate times. However, on every single occasion, the case is not reviewed and I am not contacted- instead, the date on the notification is repeatedly pushed back to a new date.
Consumer complaint received 2023-03-04
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. (GA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 XXXXXX/XX/XXXX.
Consumer complaint received 2023-01-16
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. (MN)

In accordance with the Fair Credit Reporting act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX Account name # XXXX Account name # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX 15 U.S.C 1681 section 602 A. States I have a 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 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 2020-03-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: FISERV INC. (WA)

Your Information Full Name ( s ) XXXX XXXX Mailing Address XXXX XXXX XXXX XXXX XXXX, WA XXXX United States Physical Address ( if different ) United States Phone ( XXXX ) XXXX Email XXXX Preferred Method of Contact Email If you are submitting this complaint on behalf of someone else can you provide a signed authorization from that person? 
Yes Against Whom Are You Filing A Complaint? 


Name ( s ) XXXX Address United States Phone ( XXXX ) XXXX Who You Contacted XXXX support representatives, XXXX Are You A ( If Applicable ) Buyer Transaction Details Type of Transaction Wire/Money Transfer When did the transaction occur? 
Sun, XXXX Amount of Transaction {$2200.00} Complaint/Problem Provide a description of the problem ( remember to include : who, what, when, why and how the event transpired. ) XXXX sent {$2200.00} of my customer 's payments from my business account to an unknown third party out of state who supposedly claimed that I owed them money. There is no court orderer garnishment, no court order for money judgment and no notice either. This is amount to stealing.When I called they said someone filed a lien against my business for a money claim and in response to a debt collector they are not sending all my business transaction funds to that debt collector instead of my business bank account. How can I get the {$2200.00} back? 

Thank you. 

Can you provide copies of documents relevant to the complaint? 
Yes Have you tried to resolve your complaint?

Yes Date ( s ) of Contact XX/XX/2020, XX/XX/2020, XX/XX/2020 Method of Contact Phone Who You Contacted XXXX  representatives Phone of person you contacted ( XXXX ) XXXX Have you filed a complaint or contacted another government agency? 
No What do you think will resolve this problem for you? 
To get my {$2200.00} back in my business bank account How did you hear about XXXX? 
website Attorney Information Do you have an attorney? 
No Declaration By filling in my name and date below, I declare, under penalty of perjury under the laws of the State of Washington that the information contained in this complaint is true and accurate and the information may be used to further investigate the complaint. 


Full Name XXXX XXXX Date XX/XX/2020
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2020-03-11
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX XX/XX/XXXX CAPITAL ONE XXXX XXXX XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-03-11
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. (TN)

I recently ran my credit when applying for a autoload and was told that I was not approved due to negative accounts on my credit. When closely examining my report I noticed several accounts that I have never been associated with and never gave permission to run my credit. Someone has done identity theft on me and now my whole credit rating is ruined. The accounts list as follows XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, Us dept of vet affairs, XXXX XXXX XXXX, XXXX XXXX XXXX.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.c
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (KY)

On XX/XX/2023 after the consumer was denied a deletion resolution from said ( person ) corporation. The consumer decided to indulge herself more with understanding the Fair Credit Reporting Act. 

15 U.S. Code 1681a - Definitions ; rules of construction U.S. Code ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this sub-chapter.

( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

( c ) The term consumer means an individual.

( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

Also while consumer was doing further investigation to become more knowledgeable in the Fair Credit Reporting Act. There is an exclusion in this code that clearly says according to congress that transactions is excluded from my consumer report, that is a matter between the consumer and the corporation and therefore it should not be in consumer report because transactions are excluded.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2020-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (CA)

Barclays Bank has withheld or erased the points I have accumulated using their Uber Visa Card. There was an apparent change in the terms of the card, which led to a conversion of the points to Uber Cash, in the amount of {$1400.00}. I do not have an Uber account, nor was I ever asked to create one when I first signed-up for the card. On XX/XX/2020, an agent at Barclay 's  Office of the President claimed that there was nothing they would do to help me restore the points or access the Uber Cash, and warned me that contacting the CFPB would lead to the same outcome. But I currently have no other recourse.
Consumer complaint received 2023-01-17
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. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2020-03-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/XXXX at XXXX XXXX, deposited a check for {$2200.00} in ATM Chase Bank XXXX XXXX XXXX. XXXX CA. Machine malfunctioned and printed a message saying I should call XXXX to see if deposit went through. Sequence # XXXX No copy of check was produced ( I have only the stub ). 
Phone call was ineffective. Walked into bank where banker ( XXXX? ) spent about 1/2 hour with me, told me I was the third person in the last 1/2 hour with this problem. She told me the ATM complany/Chase will not allow them to post a note on the machine warning people that the machine was malfunctioning, as the policy was that would look " unprofessional. '' She called in my matter, and affirmed me that my check would be credited by that evening. 
It was not. 
Today XX/XX/2020 I responded to an email from Chase telling me to call to answer some more questions. I called. They had no questions, but when given the claim alert number XXXX, asked if I was " the one who made the withdrawl. '' ( I made no withdrawl ). Then he asked was this about " two checks ''. ( No, only one. ) He told me " The back office needs more time to find the check '' and he told me there is no report of an malfunction of the machine. He told me there will be a " delay of a temporary credit '' perhaps more than a week ( more ). He said the machine had not yet been opened,  and he did not know when it would be opened, and I would just have to wait. 
This is not OK. 
I called the branch and was told that if I went back in person they would work on it, and that they DID have several other people with difficulties with that machine and difficulties moving forward with the credit process.

Fortunately, I live fairly close by. What if I was no longer in the area of the branch bank where I had made the deposit?

My bank account is in need of the {$2200.00}. Chase has had the check for 5 days. Chase can not tell me when the ATM will be opened to locate the check. 
Is this legal? 
XXXX XXXX XXXX
Consumer complaint received 2023-01-17
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. (OH)

This is my next 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 alleged fraud or extortion. 
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 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 2023-01-17
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-01-24
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: WELLS FARGO & COMPANY (GA)

Wells Fargo charged my account hundreds of dollars in overdraft fees due to not taking the funds out in a timely manner. I eventually closed the account and never received any of those overdraft payments back.