davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-21
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. (FL)

This is my tenth 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I keep accruing overdraft fees when my account is not being calculated correctly. My payroll deposits are being submitted entirely too early and then re posting days later with a ridiculous negative amount along with fees that at the time when process showed money was there. I have not been receiving refunds from companies that shouldn't have withdrawn money in the first place. There have been companies that I didn't authorize taking money and causing more late fees and wells gatgo only wants to take half of the fees away. I have had this account for over 10 years and still this day the same issue is occurring and I'm being charged for fee after fee making it hard to maintain my bills and afford them
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Sent in bank statements from XXXX. The credit company ignored statements and further destroyed credit while siding with a credit company. When i called in personally i was spoken to rudely and hung up on even after requesting to speak with their experts. They then charged a closed account as a past limit to further hurt the score while moving the charge-off date 2 years further to discourage and more disputes all while moving the credit limit to 119 % to prevent any use of credit for what has now been 4 years
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. (CA)

XXXX XXXX XXXXXXXX carried out a hard inquiry on my credit report without my authorized consent ( Fraud ) on XXXX, XXXX, XXXX. I submitted more than 3 times my request for XXXX XXXX XXXXXXXX to immediately to remove the hard inquiry as they didn't have my authorization or written consent to make the hard inquiry but to NO joy!! Their response by letter on XX/XX/XXXX " We've verified the inquiry and we won't be adjusting our reporting like you requested and consider your dispute resolved '' As my request ( My right by law ) Is ignored repetitively and no satisfactory resolution is reached which caused my credit harm I would demand from XXXX XXXX  XXXX to send me documentations with proof of signature showing I in fact applied with this creditor otherwise delete this unverifiable inquiry from my credit report. This deletion was due almost a year ago knowingly its lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C1681 ET SEQ. Section 604 of Fair Credit Reporting Act. 
Once XXXX XXXX  XXXX and Trans Union fulfilled my request please mail me an updated credit report reflecting these changes. 
* Previous complaints case numbers : XXXX * In the event XXXX XXXX XXXXXXXX keeps violating my rights I will seek financial compensation of {$1000.00} ( 15 USC 1681n )
Consumer complaint received 2020-10-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Mercedes Benz Financial Services (NC)

Contacted Mercedes Benz Financial Services XX/XX/XXXX after totaled vehicle. Insurance claim was submitted. Insurance paid {$17000.00} of the final balance of {$29000.00}. Vehicle warranties were cancelled which totaled {$3800.00}. Balance was {$7400.00}. XXXX GAP Warranty paid balance leaving total at {$0.00}. XXXX XXXX, warranty refunds, and GAP Warranty checks were cashed. Still, Mercedes Benz Financial Services reporter the balance of XXXX on my credit report since XX/XX/XXXX. This has caused adverse affect on my credit report. I contacted the merchant numerous times between XXXX-Present. Last contact was XX/XX/XXXX when third party credit collector attempted to collect on this false debt. I provided the detailed document to the third party collection agency and Mercedes Benz Financial Services. This has caused adverse damage to my credit score and report and has affected me from other business involving my credit file. I seek to recover monetary damages from Mercedes Benz Financial Services and the third party credit collection agency.
Consumer complaint received 2023-02-23
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. (GA)

Im submitting a complaint to you again today to inform you I was the victim of identity theft. the accounts I am disputing today for the erroneous accounts in my report and I need them removed immediately, Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission. US DEPT OF EDXXXX XXXX .... Balance : {$92000.00} US DEPT OF EDXXXX XXXX .... Balance : {$880.00} XXXX & XXXX XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$360.00}
Consumer complaint received 2023-02-23
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. (KY)

This is my 7th 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. 
XXXX XXXX Balance : {$29000.00} XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX
Consumer complaint received 2023-02-23
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. (GA)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom this may concern, this account has been removed by you guys before, and is now back under another name I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities. 

XXXX XXXX XXXX ( XXXX ) {$650.00} I have my police report attached, and the FTC id theft report attached.
Consumer complaint received 2023-01-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (DC)

On XX/XX/22, I purchased ( 2 ) {$100.00} Visa Gift Cards from XXXX. On XX/XX/22 I placed the cards in a U.S. Postal Service mailer, sealed the envelope, and handed it to the postal clerk. The mail never was received. I contacted VISA from a number provided by XXXX at XXXX and reported the cards lost or stolen on XX/XX/22. VISA or at least the person who said they were VISA open a case # XXXX and had me upload a copy of my purchase receipt along with a copy of the front and back of my drivers license to XXXX and told me that it would take ( 10 ) business days before I would receive a response. I have gotten no response and when I call the number, I have been placed on hold for up to 1 hour each time and when I did speak to someone, they told me that they had not received my documents i.e. my receipt and driver 's license, only to speak to a supervisor who told me that the ( 10 ) days had yet to elapse. I call them again today XX/XX/22 only to be told that they had not received my documents and was then hung up on with no answer or explanation about whether the cards were cancelled or if replacements will be issued. They just simply hung up. Also, there has been no response from the email account XXXX XXXX
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

on XX/XX/XXXX  I sent a factual dispute to all 3 consumer bureaus XXXX XXXX XXXXXXXX is reporting date last active is XXXX Equifax is reporting date last active is XXXX transunion is reporting date last active is XXXXXXXX  this is inaccurate reporting which is violation to the FCRA
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX is reporting inaccurate information the following accounts date last active is incorrect I notified the company via postal mail on XX/XX/XXXX the company has responded that all information remains the same and I disagree there reporting in accurate information and are in violation to 15 U.S.C 1681 transunion is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX 2023
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NE)

I had a store credit card with Kohls. I made a in store purchase at Kohls in XXXX of XXXX  in the amount of {$37.00}. I was signed up for electronic delivery for statements but never received an emailed statement. I was then notified by XXXX that Koh 's had reported a balance +60 days unpaid. I immediately went on to Kohl 's website and paid the original balance and all late fees as well as changed my billing preference to paper. I called Kohl 's customer service to advise them that I was never receiving the emailed statements. The individual said they could not discuss it with me but was happy to help be cancel my card. I proceeded to cancel my card. The next day XXXX notified me that my XXXX XXXX was decreased as a result of what Kohl 's reported. I called Kohl 's again and spoke with XXXX ( XXXX ) and explained that I was never receiving the emailed statements and asked if she can provide me with verification that they sent and delivered the statements to my email. She could not. I then asked if they could retract the negative reporting to the Credit Bureaus as a result of them not delivering me my statements. She said yes they could and I would receive a letter within 30 days from them. I received the letter yesterday and it said that they reviewed and will not be making an adjustment. I called Kohl 's today and spoke to XXXX and again explained that I was never receiving my statements and asked her why the prior representative said the negative reporting would be removed? I even shared that I asked her will it be removed and she said " yes since I never received my statements '' She said the prior representative probably misspoke. XXXX said that there is noting she can do to help me other than open another review with them. She also advised that I could not speak with anyone else who is actually conducting the review. I asked about why my statements were not sent to me for me to know that I had a balance and she said that they do not send them so she can not help me with that either. She said I could make a written request to them if I do obtain legal counsel. The bottom line is that they were not delivering me my statements as required leading to the negative reporting to the Credit Bureaus.
Consumer complaint received 2023-10-04
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 (NJ)

This complaint is an update regarding American Express who opened and REVERSED the conditional credit THREE TIMES. Please refer to COMPLAINT XXXX XXXX XXXX XXXX XXXX 
Last week I spoke with their Dispute person in Florida who agreed with me that NOBODY should stay in a motel like XXXX because of HEALTH HAZARD. 
TODAY, they reversed the conditional credit the THIRD time and sent this : " Dear XXXX XXXX We have an update on the {$1100.00} charge you disputed with XXXX XXXX. 
Merchant has provided the signed receipt and sufficient documents that shows before check-in you have inspected the room and found it as described and also offered the different room the next day. Merchant has no refund policy signed by you. However, at this time we can only suggest that you to try to resolve this matter directly with the merchant to reach a mutually agreeable resolution. '' I also contacted XXXX XXXX XXXX, the XXXX of AmEX office two weeks ago, and there is no response. 

As I mentioned before, the merchant 's policy is " Misrepresentation voids reservation '' ( please see this in the photo attached ). This must work for BOTH parties. The merchant misrepresented goods and services when I made this reservation and paid the deposit over the phone. Instead of a clean place, they give people a XXXX room. The alternative room they mentioned in a response was on the third floor, and there is no elevator. My XXXX XXXX XXXX could not endure the stairs. I had to leave the next morning. This was supposed to be my first vacation after the course of XXXX. I had no vacation. 

I protest the situation when AmEx takes the side of an unscrupulous merchant. This is a robbery. The motel robbed me of my vacation, and AmEx is encouraging the merchant to continue doing this. I have XXXX in remission, and I can not breathe BLACK MOLDXXXX which is EVERYWHERE in this motel ( please see the scans of other people 's reviews from XXXX ). NO healthy person should stay in this room either. What AmEx is doing is criminal. 

XXXX XXXX XXXX
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I asked the credit bureaus to do a thorough report. After doing that I still found inaccuracies on my report through my own thorough research. This is for XXXX XXXX XXXX In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-02-23
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. (NC)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX  CO XX/XX/XXXX.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

on XX/XX/23 I sent a factual dispute to all 3 consumer bureaus XXXX XXXX Experian is reporting date last active is XXXX XXXX is reporting date last active is XXXX transunion is reporting date last active is XXXX this is inaccurate reporting which is violation to the FCRA
Consumer complaint received 2022-05-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

I have not received any check for {$28000.00} from you guys as said by your letter. Please issue me the check for the exact amount as stated in your letter for my XXXX XXXX. Also my account XXXX account is still missing its closure check for {$890000.00} that was debited at close out.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

A collection was recently placed on my credit report that didn't belong to me. The agency that placed the information was XXXX XXXX XXXX. I called them and spoke with a supervisor by the name of XXXX and explained to her that the account belong to a corporate account and she argued with me stating that the account indeed belong to me. I asked her for the documentation and she swore that it belong to me and I told her I had documentation stating otherwise. I told her to remove it immediately which she refused. After a lengthy conversation she told me she would send me an email with all the information that shows it belongs to me. A few days later I received letter from the original creditor stating that they would not be pursuing me for financial responsibilities than yesterday I received a letter from summit that they would be removing the account from my report. They placed an account that never belong to me in the first place and never had any documentation to prove otherwise.
Consumer complaint received 2024-05-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (WA)

XXXX. Received an email informing me that a debit card was being sent to me XXXX. Found address was not in my XXXX XXXXXXXX being sent to XXXX XXXX  ( notification spelled exactly as in email ). 
XXXX. Called customer service and had to verify my identity with my phone number XXXX. Told that account was opened on XX/XX/XXXX ( 2 days before this call ) XXXX. Asked for information how this account could be opened without verification from my mobile phone, email or any other method. 
XXXX. Was transferred to another department and demanded they provide information on how an account could be opened in my name with no verification ( email or phone ). 
XXXX. I informed them that they may have a security breach since an account had been set up with account and routing numbers- All without verification. 
XXXX. The agent stated they have limited information available to them and had no idea how this could have happened.
Consumer complaint received 2023-02-23
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.