davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-01
Product: Prepaid card — Other special purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (NJ)

On XXXX XXXX, 2015 I went your website to file a complaint about my Identy Theft and then your website directed me XXXX XXXX to compete the complaint and then request to paid {$5.00} month totaling {$71.00}. When I went to veiw my online transaction with American Express Services the total amount withdraw from my account was {$71.00} I did not authorized them steal my money. Then I can American Express Serve the customer services representative informed that I would have wait eight day to receive my money back when I explain that transaction amount was incorrect and that I want to dispute it American Express Serve was not helpful at all. Please investigate both of these company Product and Services to ensure they are following Untied States Federal Regulations.
Consumer complaint received 2020-02-24
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. (AR)

My wife and I have been a victim of identity theft. We pulled our credit because we kept getting calls about a debt we owed from a rental property. We have no idea what this debt is about. There are several things on our credit that do not belong to us and that were open under joint accounts with our names and social security numbers. Please remove these fraudulent items from my report.
Consumer complaint received 2020-02-24
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. (AR)

My wife and I have been a victim of identity theft. We pulled our credit because we kept getting calls about a debt we owed from a rental property. We have no idea what this debt is about. There are several things on our credit that do not belong to us and that were open under joint accounts with our names and social security numbers. Please remove these fraudulent items from my report.
Consumer complaint received 2020-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

On downloading the entire transaction history for my CITIBANK credit card, XXXX, from the CITIBANK website, it was found that I have overpaid by {$3200.00}. 

The account transaction downloaded spreadsheet shows that my total debits were {$61000.00}. 

The account transaction downloaded spreadsheet shows that my total credits were {$64000.00}, equalling an overpayment of {$2600.00} as of XX/XX/20.. 

On XX/XX/20, CITIBANK took another {$590.00} in AutoPay toward the card account from my checking account. 

With the latest AutoPayment, I have overpaid this card account by {$3200.00}. 

I sent a letter and the printout of the downloaded account spreadsheet to CITIBANK Office of the President by Certified Mail and have received the green receipt confirming delivery.
Consumer complaint received 2020-02-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R.M. Galicia, Inc. (CA)

Name of Collector : Progressive Management Systems - XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. 

Per my health care insurance the debt was paid in full and the balance due is {$0.00}, however ; the debtor refuses to update my account, and it continues to show as payment default with interest accumulating. 

I've already provided the email from the insurance company advising the member which is me does not owe any money, the payment was paid in full by the insurance company.
Consumer complaint received 2022-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On ( XX/XX/2022 ) 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. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-24
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: CLGF Holdco 1, LLC (RI)

In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 states that a consumer reporting agency can not finish 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 2019-07-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: JPMORGAN CHASE & CO. (NY)

I closed my account in XXXX. I went into the bank. Closed the account and zeroed it out. The bank is saying that I didnt close the account that was zeroed so they charged me service fees for the next 3 months on my XXXX balance. I was in no way over draft. My balance was XXXX. But they continued to charge me for 3 months of bank fees. This happened in XXXX. 3 days after I closed the account they started charging me fees. They charged me fees for 3 months. The total they say I owe is {$86.00}. I received a notification that the account was overdrawn. I called chases XXXX number and they said they couldnt help me I had to go in to the branch. I went in to the branch. Waited over an hour. And they said the best they could do was split balance of {$86.00} and charge me {$43.00}. I said that was absurd. I spoke to the bank officer who agreed with me but it was not within her or her bosses power to fix the clear mistake. They had to call chases collection department. The bank employees and I both spoke to the most senior person we could in the collections department. The woman said the best she could do was allow me to pay {$43.00} instead of seeing the absurdity of the situation and simply removing the charge. I said I would not pay it. It makes no sense whatsoever.
Consumer complaint received 2020-02-24
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: EQUIFAX, INC. (FL)

On XX/XX/2020 i sent equifax i sent in exhibit A. I clearly listed my full name, Full SSN Number, Full Address, Full previous Address, Full date of birth, The account and account number of the fraudlent account, what needed to be done in detail. Then in exhibit B Is my proof of identity which is my lease agreement and a picture ID. In exhibit C is the FTC report that i have sent to them, in exhibit D equifax sent me a letter on XX/XX/2020 ( WITH MY FILE NUMBER ON TOP OF MY NAME ) they stated they needed more information from me because they could not locate my file. But i provided everything they listed they needed and i forgot to mention i was denied to have an fraud alert placed on my report. This account is hurting my credit rating and needs to be removed from my report asap!
Consumer complaint received 2020-02-24
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XX/XX/XXXX Spoke to XXXX. I asked HOW DO PERMANET CREDITS APPEAR ON MY STATEMENTS? XXXX replys, THEY WILL SAY SECURITY ADJUSTMENTS. I respond Oh, I do not think I have ever had any of those on my account. XXXX, No you have not, WERE YOU EXPECTING ANY? See attatched Fraud Claim Letter. XX/XX/XXXX fraud claim date XX/XX/XXXX, XXXX {$470.00} Temporary Credits Made Permanet.??? See attatched XX/XX/XXXX statement TOTAL CREDITS {$340.00} all merchants credits. XX/XX/XXXX TOTAL CREDITS {$350.00} my payment. XX/XX/XXXX TOTAL CREDITS {$620.00} {$500.00} my payment {$110.00} merchants. XX/XX/XXXX TOTAL CREDITS {$48.00} merchants credits. XX/XX/XXXX TOTAL CREDITS {$450.00} {$77.00} my payment {$380.00} merchants XX/XX/XXXX TOTAL CREDITS {$910.00} all merchants credits. To XXXX I ASK, Where are USAA CREDITS TO REVERSE {$2.00}, XXXX * IF NO USAA CREDITS WERE EVER MADE PERMANET USAA STEALS MERCHANTS CREDITS OR MY PAYMENT AS THEY ARE THE ( ONLY CREDITS ON THE ACCOUNT ) AND THEN I GOT THE DIALTONE. THE TRUTH, WHOLE TRUTH, NOTHING BUT THE TRUTH, SO HELP ME XXXX.??? THERE ARE NO USAA CREDITS MADE PERMANET TO REVERSE.
Consumer complaint received 2020-02-24
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. (VA)

On XX/XX/2020, a fraudulent account from a collection agency named XXXX appeared on my XXXX  and Equifax credit report. I am not indebted to this company or any secondary company. As I pay my bills on time. I never received any written communication referring to any alleged debt from this company, my right to dispute, or my right to request proof of this fraudulent debt, prior to this fraudulent posting of a collection which is a violation of the FCRA and the FDCPA. The posting of this unverified and fraudulent debt has severely hurt my credit score and my ability to obtain credit. This fraudulent debt is unverified, incorrect and should be removed immediately or legal action will be taken.
Consumer complaint received 2020-07-30
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)

I filed a complaint with the cfpb which came back from the credit bureau stating that it was not me filing the disputes or complaint. I am the only one disputing the items on my credit that should have been deleted. This is an ongoing problem that hasn't been fixed. XXXX is still reporting on XXXX  although they have showed that they no longer own the credit file and it is now owned by XXXX XXXX XXXX XXXX  XXXX XXXX  is still reporting on XXXX and Experian inaccurately. XXXX XXXX XXXX XXXX XXXX have provided a letter stating the balance on the account which is in accurate and does not match what has been reported to the credit bureaus therefore needs to be deleted immediately. I have requested for both XXXX and Experian to provide me with the proof of verification in which XXXX and XXXX XXXX XXXX is providing them and it has been over 30 days and that proof of verification has yet to be provided. BELOW is the complete I have previously sent the cfpb : : Year XX/XX/XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I filed a dispute with XXXX and Experian for XXXX XXXX XXXX and XXXX and it keeps coming back verified within 7-10 days. 

I requested on XX/XX/XXXX a method of verification from both Bureaus for  each item, I attached the past disputes, as well as the supporting documents from those creditors ; on XX/XX/XXXX if was returned as verified from Experian and XX/XX/XXXX it was returned as verified from XXXX. When it returned as verified it did not explain how with the method of verification that the creditor is providing the bureau. 

XXXX XXXX XXXX is reporting inaccurate information on my credit file and I have provided both XXXX  and Experian with letters directly from the creditors showing that the information that is being reported is inaccurate. 

XXXX no longer holds this credit file and it is now being managed by XXXX XXXX I have provided both XXXX  and Experian with documentation directly from the creditor. I have spoken with XXXX and they have advised me that they no longer have the account and they told me to contact XXXX XXXX 

I have repeatedly over the past 2.5 months gone back and forth with these bureaus regarding this matter. I have requested a method of verification from XXXX and Experian. They have both been unable to provide me with this information and is still reporting the 2 items on my credit report. The method of verification has not been provided at all. It is my understanding no investigation is being done and my documents are being ignored despite them showing and saying the documents and dispute have been received. The following 2 items XXXX XXXX XXXX   and XXXX need to be deleted immediately from XXXX and Experian due to it being inaccurate.
Consumer complaint received 2019-07-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ORG GC GP BUYER, LLC (GA)

On or about XX/XX/2019 I received a dunning letter from GC Services Limited Partnership whose address is XXXX XXXX XXXX, XXXX, TX XXXX. In response to GC Services LP letter, on XX/XX/2019 I mailed them a cease communication letter pursuant to 15 USC 1692c ( c ) by USPS Certified Mail RRR. GC Services LP was obligated by law to respond to my cease communication letter pursuant to 15 USC 1692c ( c ). GC Services LP failed to respond to my cease communication letter and has invoked 15 USC 1692c ( c ) 1 by default. However, GC Services LP is still trying to collect on this debt and has furnshed this account to XXXX Information Solutions. Attached are my documents regarding this case.
Consumer complaint received 2020-02-24
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. (VA)

On XX/XX/2020, a fraudulent account from a collection agency named XXXX appeared on my Experian and XXXX  credit report. I am not indebted to this company or any secondary company. As I pay my bills on time. I never received any written communication referring to any alleged debt from this company, my right to dispute, or my right to request proof of this fraudulent debt, prior to this fraudulent posting of a collection which is a violation of the FCRA and the FDCPA. The posting of this unverified and fraudulent debt has severely hurt my credit score and my ability to obtain credit. This fraudulent debt is unverified, incorrect and should be removed immediately or legal action will be taken.
Consumer complaint received 2020-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY (NC)

Attention CFPB THIS IS NOT A DUPLICATE .CFPB COMPLAINT # XXXX. 
This complaint involves Wachovia na banking officer XXXX XXXX authorized an account in my name. This us going to be a substantial link to my identity theft. file # with the FTC # XXXX. 
PLEASE issue an appeal in this matter. I have never submitted this complaint as such. Why would the cfpb mark this as a duplicate. Please explain. Please resubmit t Wachovia na. 
Respectfully
Consumer complaint received 2022-03-09
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)

I 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. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2020-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fairway Independent Mortgage Corporation (TN)

I have contacted Fairway Independent on several occasions to dispute this matter. A matter that has been reporting on my credit report since XX/XX/XXXX that I have no relocation of how it even got onto my report in the first place. At Fairway Independent Mortgage I spoke with XXXX XXXX about the issue I stated that I will file a police report on this matter, Ms. XXXX stated that would be good and once I have the police report to email it to her at XXXX. On XX/XX/XXXX I  contacted XXXX Police Department and they stated that because of the address listed on the credit report which is listed as XXXX XXXX XXXX. XXXX, WI XXXX. XXXX PD stated it was out of their jurisdiction that I had to contact XXXX PD. I contacted XXXX PD the officer who took my information sent an officer out to that location and it was determined that this address did not exist under this company name. I sent this information to Ms. XXXX and she put me on the line with Ms. XXXX XXXX who was not able to solve any of my concerns either instead of her solving what concerns I had she kept asking Ms. XXXX if she had any more questions. Now first and foremost it is against FCRA, 604 Permissible purposes of consumer reports { 15 U.S.C. 1681b } for an entity to view a consumer 's credit report without a " permissible purpose. '' Therefore due to the damages that have been done to my report, you are civilly liable to me in the amount of {$1000.00}. Second, because the address do not exist, then it is still considered unlawful to report inaccurate information on my credit report.
Consumer complaint received 2022-10-15
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. (PA)

In accordance with the Fair Credit Reporting act 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 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 2020-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (FL)

In mid XXXX of 2020 I received a notice from my credit monitoring service of a change in my credit report : an account I had with Wells Fargo had been closed, specifically my Wells Fargo Health Advantage account. Since I never received a notice from Wells Fargo directly, I thought something was amiss so I called Wells Fargo. I was informed that the account was closed due to inactivity. I told the representative that I had tried using it and that none of my health providers accepted it. My credit report also showed *me* closing the account, instead of the issuer taking that action. I told the agent that account closings could hurt my score and that I would have appreciated notification of the closing from Wells Fargo. I wanted the matter rectified in my credit report. Also, there might be a health provider in the future that may accept it so I wanted to keep it open. The agent said I would have to petition reinstatement of the account. On the phone said that he would do 2 things : note my concern & relay my desire to keep the account open ( ask for a reinstatement ) and also start the process of notifying the credit bureaus that the account was closed by the credit card issuer and not by me. Fast forward to today, XXXX XX/XX/2020 ... I am checking my credit report ( I do this monthly or more often ) and I find the following updated " comment '' regarding said account - " Dispute resolved ; consumer disagrees, account closed by consumer. '' Wells Fargo continues to MISREPRESENT its actions towards its customers. Apparently they learned NOTHING from their unauthorized account creation behavior and continue to act on their best interest instead of being truthful about their dealings with customers! ALL THEY HAD TO DO WAS STATE THE TRUTH - ACCOUNT CLOSED BY CREDITOR DUE TO ACCOUNT INACTIVITY. What is so hard about that?
Consumer complaint received 2019-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure a how this happened. I need this Items deleted from my credit report. I have already gotten a police report and FTC. XXXX, XXXX, 'XXXX XXXX XXXX XXXX. There are also some inquiries that are not mine. XXXX  XXXX/XXXX XXXX, XXXX, XXXX/XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX.