davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: N26 Inc. (MA)

On XXXX of XXXX I saw an apartment listing on XXXX in XXXX, XXXX : XXXX : XXXX? XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX % XXXX % XXXX % XXXX & XXXX & XXXX I reached out to them since the listing looked normal asking for a possible discount. They proceeded to email me saying that they had a cheaper rate on XXXX. 
After a few weeks, I contacted them again on XXXX  and email : XXXX On XXXX of XXXX, they contacted me saying they were giving me a 20 % discount and they made a reservation for me on Airbnb through this link : https : XXXX The website looked exactly like Airbnb and I could message the host like normal. After accepting the booking, I asked the support on the page which looked normal if paying through transfer was normal and they assured me. 
We were shown an invoice on the page that looked like a real XXXX invoice with a N26 XXXX  XXXX bank account where the money was supposed to be sent. We proceeded to sent the money ( XXXX EURO ) and only we afterwards realized it was a scam. We called our bank XXXX but they are unsure if we can get the money back.
Consumer complaint received 2018-10-03
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: TD BANK US HOLDING COMPANY (MD)

After filing a claim, I did not get reimbursed from one of 2 stolen checks ( payroll checks from the XXXX  I work with ) addressed to me but that got cashed by somebody else. I started the claim and submitted the required paperwork on XX/XX/XXXX of XXXX through the treasury department and the bank of my XXXX. I got a response on XX/XX/XXXX of XXXX that I would get reimbursed only for one of the checks but not the second. TD Bank, the bank of first deposit for the  stolen checks, has not reimbursed the XXXX XXXX XXXX XXXX account ( that had issued the checks for me ) to date despite repeated attempts. 
My XXXX XXXX XXXX XXXX was not reimbursed by TD Bank and the amount of the stolen check was : {$1000.00}. The signature on both checks was clearly forged and clearly does not match my previous signatures at all.
Consumer complaint received 2019-02-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I have 2 Direct Subsidized student loans and 2 Direct Unsubsidized student loans. I discovered them on my credit several years ago and I have asked Navient to provide me with all of the loan documents to prove that I signed for these loans more times than I can count. They have told me over and over that they will not and do not have to provide me with that information and that since I attended the community college they have listed then the loans have to be mine. I explained how I did go to that community college but I DID NOT request any loans. Then after I stated that to them they told me it was done electronically. I informed them that my ex-husband could have done all of this without my permission because I know for a fact that I never received any money from the community college. I have been able to get on an income based payment plan but I never even applied for these loans nor did I ever receive any money that they say I owe. How can I be responsible to pay for something when they can not provide proof that I signed for these loans. Just because I attended that community college should not be a valid way to prove that I was actually the one that signed for them. I want to see the documents that I signed for. I want proof that I signed and received the money. I filed chapter XXXX   and the loans showed taken in chapter XXXX and then all of a sudden they show current and not taken in chapter XXXX. How is this possible that they go from being taken in my chapter XXXX  bankruptcy to being a valid loan again? Something needs to be done about this. I don't even have a degree or a high school diploma. I am responsible for something I did not do and they refuse to show me proof. I don't know what else to do.
Consumer complaint received 2018-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There are 2 Accounts listed erroneous by your company. I am disturbed that you continue to list a dismissed file bankruptcy as confirmed. I am aware that you receive your information from a third party verification system known as a XXXX XXXX. This system is sometimes inaccurate because of the limitations of providing a complete social security number. Although it is your policy to keep reporting bankruptcy that is filed dismissed or adjudicated for 10 years, The Fair Credit Reporting Act mentions nothing in section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order for relief. Any case civil or otherwise which is dismissed no longer exists in the eyes of the law and the case file may have never been adjudicated. You have no right to obtain information which the government had deemed non existent. It is only fair that in accordance with section 1681 ( a ) of The Fair Credit Reporting Act you delete this from my credit report and send me an updated copy considering it does not require an investigation i would appreciate your response within two weeks from the  date you receive this letter. 

Sincerely XXXX XXXX
Consumer complaint received 2023-05-15
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6900.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$68.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-06
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: EQUIFAX, INC. (GA)

ON XX/XX/2021 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 I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Consumer complaint received 2023-05-15
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: CITIBANK, N.A. (NC)

15 U.S.C 1681 Section 604 A Section 2, It states that a consumer reporting agency can not furnish an account without my written instruction 15 U.S.C 1681 Section 602 A. states that I also have the right to privacy.
Consumer complaint received 2020-01-09
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (RI)

I have documentation promising I would receive a {$25.00} statement credit for my first purchase for opening my credit card. There have been two billing cycles and no such credit. I contacted the company twice and was told I should receive it soon and have not. I feel I was misled, lied to and taken advantage of by this false advertising. I would not have sacrificed a credit lookup if it were not for this promotion!
Consumer complaint received 2022-12-26
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. (NY)

I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 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.
Consumer complaint received 2024-02-23
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Comerica (MI)

On XX/XX/XXXX, I contacted Comerica Bank in XXXX, Michigan to discuss an IRS check was that fraudulently cashed at this bank. I requested to speak with the fraud department as someone had forged my signature and cashed this check at a Comerica Bank in XXXX, Michigan. 

Comerica Bank would not talk to me as I did not have an account with them and was very concerned as to how I was able to obtain a copy of this check. The Department of Treasury provided me with a copy of MY check as I am entitled to a copy. 

Please see the attached check. It is very concerning, the way that Comerica stamped this check, upside down and over the endorsement of the person who forged this check. Which hides the name of the person that cashed this check.
Consumer complaint received 2019-02-14
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. (GA)

Im very upset because I went to home buyer program and did not qualify because there are items on my credit that are not mine. Please remove these items off my report as they are not mine. XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX. I am doing this on my own behalf.
Consumer complaint received 2022-01-28
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

This is concerning XXXX XXXX, this is not mine it has been reported along with other items sometime ago as Fraud, I attempted multiple times to report this to experian and XXXX, it was also reported to XXXX Police dept which filed a compliant on my behalf,
Consumer complaint received 2018-05-30
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (VA)

After submitting two written formal complaints XX/XX/XXXX and again XX/XX/XXXX with Citibank I gave up and decided to make arrangements to get the merchandise I have been paying for since XX/XX/XXXX. However when I went into the store on XX/XX/XXXX and spoke with the store Manager at XXXX XXXX he stated they credited my account back on XX/XX/XXXX and provided me a receipt to evidence. He further stated I was NOT obligated to purchase any furniture from them. So on XX/XX/XXXX I contacted Citibank and provided evidence XXXX XXXX credited back the {$4000.00} ON XX/XX/XXXX and requested they provide me the {$4000.00} credit I had been due for MONTHS. About two weeks later I received a letter stating they did there so called research and I still owed the money. FURTHERMORE they told me they would no longer accept calls or written communication pertaining to this dispute. Then about one week later I got another letter stating to contact them because they needed to collect additional information?? I called and spoke with the representative who re-opened the dispute and claimed it would be investigated properly. Today I received a letter dated XX/XX/XXXX telling me to contact the sales manager at XXXX XXXX about my credit???? At this point the store and Citibank appear to be in cohorts because now they are back to trying to brow beat me into purchasing an item I NEVER authorized from the beginning. I am appalled at the deceit and dishonesty both companies have displayed since the start of this transaction. I never signed the credit authorization giving Citibank the right to charge my account, but they INSISTED an order for furniture can be used in lieu of a I signed credit authorization slip. I told them an order does NOT give you the authority to charge the card, but they are ONLY interested in only BROW beating consumers in order to turn a profit. I did NOT AUTHORIZE the initial charge and provided evidence of the UNSIGNED authorization form. They then claimed it was the stores policy for NO refund, however I have evidence the store credited it back the FULL amount on XX/XX/XXXX and I have been making payments since XX/XX/XXXX for merchandise I do not have and apparently I should have had a XXXX balance since the 1st initial dispute in XX/XX/XXXX I used my debit card with XXXX for part of the transaction and they gave my {$700.00} back in XX/XX/XXXX. Why does CITIBANK think they are entitled to {$4000.00} of my money when I don't have merchandise NOR did I authorize the charge AND they received the money back from XXXX XXXX??
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

On Monday, XX/XX/XXXX, I was informed by my auto insurance provider that they were unable to request a credit report using my name. This was not surprising - I completed a legal name change earlier this year. My legal name is " XXXX '' with no last name. My court order ; Driver 's License ; and Social Security Number card all accurately reflect that my only name is " XXXX ''. 

That same day, I created an Equifax account and attempted to use the provided tools to update my credit reporting information. I was not able to update my name as the webpage requires a last name, and would not accept my usual workarounds of either a hyphen or a zero-width whitespace character in place of a last name. Still on the same day, I contacted Equifax customer support via XXXX to report that I was not able to update my information. They responded in XXXX direct message, and also later by email, requesting documents to prove my change of name ( " Proof of Name '', " Proof of SSN '', and " Proof of Address '' required ). I promptly provided the requested documents ( a Court Order of name change, a photocopy of my driver 's license, and a photocopy of my SSN card ). The next day ( Tuesday, XX/XX/XXXX ) I received a follow-up email saying that they are " currently unable '' to correct my name, due to system constraints requiring a first and a last name. I replied within XXXX hours to tell them that leaving my name as-is was a completely unacceptable solution, but that I would be happy to work with them to find a solution that does not require them to implement a costly code change. I received no reply. On Thursday, XX/XX/XXXX I reached out to the Equifax customer service team via XXXX once more to report that I was still waiting for them to contact me to find a solution. I was told that the XXXX XXXX had already contacted me and " provided the indications '', which I understood to mean that they considered the case settled. I again told them that leaving my name unchanged was not an acceptable solution, but I was willing to work with them to find an acceptable solution. I received no reply.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2020-01-02
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. (CA)

I booked a roundtrip flight on Chase Travel - from XXXX XXXX to XXXX. The outgoing flight was XX/XX/XXXX - returning on XX/XX/XXXX. I took the first part of my flight on XX/XX/XXXX - when I arrived to the airport on XX/XX/XXXX - I was told by the airline that Chase had never issued me a ticket for the flight and I could not board or rebook because I had no ticket. I called Chase and was told it was an agent error and the agent had not issued a ticket to the airline for my return portion - even though I had PAID for it back in XXXX. I subsequently missed my flight and had to be put on a flight the next morning - XX/XX/XXXX. I had to spend a very expensive night in XXXX ( because it was XXXX XXXX XXXX ) and there was little accomodations. I have gone back and forth with Chase and they have told me I am not entitled to a refund for my flight ( even though I was charged for a roundtrip flight and never received the portion back ). I never received service for my flight on XX/XX/XXXX and was not given a refund - so this charge is fraudulent. 

Charge : XX/XX/2019 - {$340.00}
Consumer complaint received 2022-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: JPMORGAN CHASE & CO. (VA)

An inquiry was opened under my information and account for JPMCB Card. The Inquired date is XX/XX/XXXX XX/XX/XXXX and the removal date is XX/XX/XXXX. The contact info is Contact info XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX
Consumer complaint received 2024-02-23
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. (CA)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

To Whom It May Concern : I recently received a copy of my XXXX credit report, and I noticed some late payments posted on my credit report : XXXX  XXXX company is in clear violation of the law. Under 15 USC 16816 - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly States : ( 2 ) EXCLUSIONS -Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 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 2021-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 I notified the credit bureaus that there are some account reporting on my credit report that were the result of someone using my information to open up accounts. The credit bureau 's have removed some fraudulent accounts from my credit report however when I pulled a new credit report and I noticed that the accounts re-appeared. I referred back to the FTC " Guide to assisting identity theft victims '' and it states that I should have received notice 5 days before they added the items back on my credit so it's been re-inserted illegally. I believe the person who has taken my personal information is someone who lived at a previous residence and I am a non confrontational person and I don't want to see anyone in trouble but this account is preventing my fiance and I from purchasing a home so I have taken the time to go to XXXX and spoke to officer XXXX who advised me to file an FTC Identity Theft Affidavit and obtain as much information as possible from the furnisher so my police report is not vague and so they can complete an investigation which may unfortunately lead to an arrest.
Consumer complaint received 2020-08-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC (FL)

For two years payments have been made to XXXX XXXX XXXX,  however the bill isnt going down being the interest rate is set at 130 %, which causes the terms of the loan never be paid off.
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

To Whom It May Concern : I recently received a copy of my XXXX credit report, and I noticed some late payments posted on my credit report : XXXX  XXXX  company is in clear violation of the law. Under 15 USC 16816 - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly States : ( 2 ) EXCLUSIONS -Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;