davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NV)

TRIED MULTIPLE TIMES TO OBTAIN CREDIT REPORT. 
SAYS ITS BLOCKED AT THE BACK END. 
PROVIDED ESCALATION CASE NUMBER XXXX WAS TOLD THAT TECHNICAL SUPPORT WILL REACH OUT TO ME AND FIX THE PROBLEM, HOWEVER NO RESPONSE TO DATE Equifax message displaying : Please give us a call and give this code to the Agent : BLNK Your Equifax credit report and score are not available at this time due to a technical error. Please call Customer Care at 1-888-EQUIFAX ( 1-888-378-4329 ). 

XXXX  message displaying : " Sorry, we can't show you today 's XXXXbureau report. This might mean that Equifax has no record of your credit history or different personal details for you on file. Until this issue is resolved, you won't be able to see your report ''
Consumer complaint received 2023-02-23
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. (NJ)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-23
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. (SC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX XXXXXXXX Balance : {$720.00}
Consumer complaint received 2017-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WEBSTER BANK, NATIONAL ASSOCIATION (MA)

I contacted Webster Bank and I provided my SSN and the Bank Account number but webster insisted I go into branch to " verify '' my information. I was traveling at this time and am currently located in XXXX for ~week.  Webster has ~ {$10000.00} of my money and they refused to provide help and insisted I go into branch to remove some nonsense security freeze on my account. Generally I like webster but there on-phone reps Supervisor XXXX and frontline rep XXXX can not deny access to my money because they feel like it. Frankly I think its criminal that a bank can deny access to funds because they feel like it. They even refused to provide information as to how I could get my funds insisting I must go into branch. I would like compensation for any travels I had to do to go into branch and a revision of the stupid policies at webster on security holds
Consumer complaint received 2023-10-23
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. (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. 

Account Name : XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 2023-06-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Weltman, Weinberg & Reis Co., L.P.A. (CA)

I received a notice detailing someones debt that I do not know from the Law Firm of Weltman, Weinberg , & Aries Co., LPA titling me as a fiduciary. It allows me a few options to respond that include me disputing the debt, me asking for the original creditor information, or paying the debt. 

Included on the statement is the amount owed, the name on the account and the last 4 of the account number. 

Shame on you.
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

MY NAMES IS XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY PLEASE SEE ATTACHED DOCUMENTS AND ID AS IT CONTAINS MY FULL COMPLAINT AND REQUEST.
Consumer complaint received 2023-09-07
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: TOYOTA MOTOR CREDIT CORPORATION (TX)

On or around XX/XX/XXXX my wife and I applied for credit at Toyota of XXXX ( Texas ) with salesman named XXXX who we specifically told we only wanted our credit ran once. Instead XXXX ran both of our reports a total of fifteen times with fourteen different banks. All of these hard inquiries resulted in both of our credit scores plummeting and not being able to qualify for a vehicle loan anywhere for years. 

On XX/XX/XXXX I decided to try once more with the same company because I really wanted a Toyota and unfortunately was given XXXX yet again as a salesman. I expressly told him very emphatically I only wanted my credit ran ONCE, but instead he ran it five times against my will further ruining my credit where I can no longer get a vehicle loan anywhere on favorable terms. I asked him and his general manager, XXXX XXXX to fix the problem but they refuse, even lying to me by saying all of the hard inquiries during a given period only count once, which I proved wrong by emailing them screenshots of my credit report clearly showing all twenty hard inquiries that were individually made by each bank they illegally submitted me to since XX/XX/XXXX. I have received no response from either of them. My credit is ruined because of their illegal and unauthorized actions which violate the Fair Credit Reporting Act. I would like justice to be served upon Toyota of XXXX, XXXX XXXX ( General Manager ) and XXXX ( salesman ) and all of the unauthorized illegal hard inquiries to be removed except for the ones that were legitimately allowed, which are two.
Consumer complaint received 2016-04-01
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Ascend Consumer Finance, Inc. (GA)

Unfair Lending Practices. I was given an offer from Ascend Consumer Finance ( XXXX ) XXXX based in XXXX, CA for a personal loan. I passed all of their credit criteria with flying colors. I would not even have applied for the loan if I did not meet the minimum criteria. I provided all needed documentation. I signed the contract to receive the loan indicating my APPROVED status. Later I was notified that I would not get the loan. This appears to be a scam company existing to ruin my credit rating and steal my identity. i would advise ALL consumers seeking financial services to steer clear of this company at all costs.
Consumer complaint received 2023-07-17
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. (GA)

XXXX AND TRANSUION ARE REPORTING INACCURATE INMFORMATION ON MY CREDIT. THEY KEPT ON PUTTING THIS ON MY CREDIT. I JUST WANT THIS ITEM DETLETD OFF MY CREDIT
Consumer complaint received 2023-09-14
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: AMERICAN EXPRESS COMPANY (GA)

On XX/XX/XXXX, I attempted to return a phone to XXXX for a refund. I received an e-mail from XXXX that the refund was denied because the box was empty ( which they had a picture of ). I called XXXX customer care and the agent reviewed the video and the shipping details and assured me that a refund would be provided because the shipping weight of the package showed that the phone was stolen in transit. On XX/XX/XXXX, I received an e-mail from XXXX saying they would not refund due to it being an empty box. I mentioned to them the shipping weight conversation, but they declined to refund and told me to file a claim with XXXX. When I contacted XXXX, they told me the payor of the shipping label had to file the claim. When I responded to XXXX with this information, they no longer responded. 

I filed a dispute with American Express with documentation that included evidence of the shipping weights. Despite this, American Express ' response was that I was responsible due to the empty box, and that if I had any proof I had shipped the phone, I should provide it. 

I reopened the dispute with American Express and once again provided documentation of the shipping weights. This time, American Express response was that I was responsible because the shipping weight was heavier than XXXX expected. This is in direct contradiction to the first response that it was an empty box! 

I reopened the dispute once again pointing out that these XXXX responses were in direct contradiction. American Express responded that I was responsible unless I had proof that XXXX had promised a refund ( alluding to the initial call I had with XXXX ). 

American Express did not investigate my dispute in good faith, and keeps changing what proof I need to provide, and has put the onus on me as a single customer to prove that I had returned the phone despite XXXX being a XXXX XXXXXXXX company that has the ability to file a claim with XXXX, and also the ability to track/brick stolen phones.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
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. 

Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2022-12-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: Chime Financial Inc (CA)

I DO NOT have an account with Chime or The XXXX Bank. However, I have received text messages from them saying my " Chime account is ready '' and to set up the app. Then a couple weeks later, I got another text message to my phone saying " Your Chime Visa Debit Card was delivered in a bright green envelope. '' I panicked because I didn't sign up for an account with this business and was immediately concerned there was possible identity fraud in progress. A few days later there was a " bright green '' envelope from Chime in my home mailbox and it was clear there was a plastic card inside. When I opened the item. there was what appeared to be a debit card with my name and an account number and expiration date. There were directions which stated " Activate your card and set up a pin in the Chime app ''. Then is also stated " Set up Direct Deposit with Chime & get paid up to 2 days early ''. It had The XXXX Bank information and account information for the direct deposit info. Again, this was deeply concerning because it was unsolicited and from an institution that I do not do business. I was very concerned that the was a possible fraud action by someone and immediately ran credit reports to may sure someone was not trying to open accounts in my name. These companies ' XXXX ChimeXXXX Bank XXXX practices are unethical are XXXX. They should not be sending debit cards with account out to people that did not request them. We have a problem with mail getting misdelivered ALL THE TIME. What if this had been put it the wrong box? Someone would have had a access to a card and my information. I have tried to get in contact with Chime via email, but all I have gotten is auto messages or messages asking for my personal information and " account info ''. They just need to stop this practice!!!!
Consumer complaint received 2023-08-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2023 I went to a XXXX store. I spent roughly {$30.00}. I have my receipt showing the expense. When I checked my account the following morning there was an additional charge for roughly {$690.00}. I did not make this purchase. I filed a claim with Wells Fargo but my claim has not been investigated. I have not heard from anyone in over a week.
Consumer complaint received 2023-12-21
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: CITIBANK, N.A. (FL)

I am writing to bring to your attention a matter regarding late payments on my credit report that resulted from an unfortunate and unforeseen circumstance. I am seeking your assistance in rectifying this situation. In XXXX XXXX, I encountered a significant life event that impacted my ability to manage my financial obligations. I was involved in a XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. During this challenging period, I regrettably overlooked the timely setup of payments for my account. As a result, XXXX consecutive months ' payments were missed, and the creditor reported these instances as late payments to the credit bureaus. I understand the importance of maintaining a positive credit history, and I have consistently strived to fulfill my financial responsibilities in a timely manner. Prior to this incident, my payment record with was unblemished, with no missed payments.
Consumer complaint received 2023-03-14
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 SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-11
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

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 XXXX XXXX XXXXXXXX XXXX  Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX 15 USC 1681 Section 602 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-02-11
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: WELLS FARGO & COMPANY (AZ)

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 XXXXXXXX XXXX  Account # XXXX XXXX XXXXXXXX Account # XXXXXXXX Wells Fargo Account # XXXX XXXX XXXX XXXX Section XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Pursuing fair and accurate credit reporting. 
The top XXXX credit reporting agencies are providing unfair, inaccurate creditworthiness to lenders. I have been denied credit XXXX time lately based on the credit report they received from XXXX. I requested copies of my credit report from XXXX, XXXX, and TransUnion. The reports all align. 

The lenders rely heavily on the score/grade. They pay these companies to provide a fair and accurate of creditworthiness. After being denied, when you request a copy of the credit report provided to the lender it should include the score/grade because that is what the lender uses in whole or in part to make their decision. This would represent full transparency in providing information. 

This could be XXXX XXXX When younger and you have a low score because you have no credit you are approved for credit. When older with credit history and a low score without anything negative on your report you are denied credit. The reasons for denial were : insufficient credit history ( which was not true ) and we used your credit score in our decision. Both of these reasons show that the reporting agencies are not providing true and accurate creditworthiness reporting.
Consumer complaint received 2023-08-11
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: LEXISNEXIS (AL)

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.

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 2023-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I filed a dispute # XXXX  with Bank of America on XXXX XXXX XXXX. Booked a room on XXXX and when we arrived we noticed ants, frogs and mold in our room. We reached out to the property and no response so we left and check into another room. Reached out to booking to report problems and they reached out to property with no problem. I faxed in my pictures and conversation to the claims dept through XXXX called and confirmed that they received my fax. Received a response for my dispute almost 90 days later and none of my evidence was included or did they check out my dispute, so I asked to reopen the case. Case reopened and they still denied my case without looking at what I'm disputing. I'm still out of over {$300.00} from this. The claims department really sucks