davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Data Corporation (OR)

Enclosed is a copy of my messages with my credit union : XXXX XXXX XXXX XXXX XXXX XXXX regarding XXXX, TRS Recovery Services, and Telecheck Services ( all XXXX affiliates ) : RE : RE : Charge Dispute for XXXX.XXXX/TRS Services Address XXXX XXXX XXXX XXXX   Date XX/XX/2019 XXXX PDT Subject RE : RE : Charge Dispute for XXXX You can process a Revocation of Authorization. With the revocation of authorization you are making a legal statement saying you did not authorize the charge, date or amount. Processing the form will request your funds from Friday back. It will also prevent charges from XXXX coming through in the future. It needs to be in place 72 hours prior to the next charge for it to prevent future charges. The merchant does have six months to dispute the revocation. Provisional credit is usually given through this period. Please let me know if you would like for me to proceed. I will be out of the office Wednesday through Friday. 

Thank you, Member Service XXXX -- -- - [ From : XXXX, XXXX ( XXXX ) ; XX/XX/2019 XXXX ] -- -- - Yes I did but they outsource to a company that is called Telecheck and XXXX Services who is doing the random charging. They said to submit a claim but is it possible to decline the payment they took on Friday? I did not authorize them to keep charging my account. They said it could take up to 30 days if they even give it back. I think this is fraudulent activity especially since they have overcharged me by about XXXX dollars. 

-- -- [ From : XXXX XXXX XXXX XXXX  ; ] -- -- - Good morning XXXX. Have you contacted XXXX regarding the purchase price issue? That would be your first course of action. XXXX dispute phone number is XXXX. They will work with customers regarding charges or service. They should be able to help provide a credit to your account. It looks like you have provided your account number and the charges are being processed as an ACH debit, with your account number, to your account and not with your debit card. Please let me know if you have further questions. 

Member Service, XXXX -- -- - [ From : XXXX, XXXX ( XXXX ) ; XX/XX/2019 XXXX ] -- -- - I was recently charged by XXXX Services today for a dispute that was resolved and I am wondering if you may please reverse or deny a pending charge that was charged today ( XXXX ) in the amount of $ XXXX $ XXXX {$65.00}. In total, they have charged me {$200.00} for an order that should have only been {$60.00} ( with 2 return check fees of {$25.00} ). I have also been in contact with the agency. I don't think they should be able to continually charge my debit card whenever they want. 

Thank you for your help. 

XXXX XXXX
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.
Consumer complaint received 2019-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (MN)

I am a customer of Chase Bank. I have had an issue with overdraft fees on my account and recently I contacted chase to have some of the fees waived and, requested that my card be declined if i have insufficient funds in my account. The bank waived fees for me however, the change to opt out of overdrafts was never made despite my request for it. I requested they opt me out of overdraft protection via a message to customer care through their website on XX/XX/XXXX and they responded XX/XX/XXXX, and did not indicate that the change was made, and i have since been hit with XXXX XXXX dollar overdraft fees. the total of fees at this time exceeds XXXX dollars Chase has now taken a stand that they will not waive any further fees for me and now I am facing a XXXX dollar negative balance because they feel as though its ethical to stand behind their policy and not acknowledge the mistake
Consumer complaint received 2020-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (TX)

I attempted to open a Secured Credit Card with Discover. After they auto debited {$1000.00} from my checking account, I got an email that stated the following : Dear XXXX XXXX, We are writing to notify you that we have closed your Discover it chrome card account effective immediately. We regularly conduct reviews to evaluate our customers ' accounts, and during a review, we were unable to verify personal information on your account. We evaluated your account and under the terms of your Cardmember Agreement, a business decision was made to close your account. Our credit decision was based in whole on the information found on your account.

Any Cashback Bonus or Miles rewards balance will be applied as a credit to your account, or, if the account has a XXXX  balance at the time of closure, a check will be issued. If your account has a credit balance, you may request a refund check, or one will be sent automatically after four months of the credit balance being on your account.

We will report to the credit bureaus that the account was Closed by Grantor. Questions on how this may impact your credit score can be addressed by contacting the credit bureaus directly.

If you have any questions, you may write to us at : Discover Financial Services XXXX XXXX XXXX XXXX, DE XXXX Sincerely, Discover Corporate Security When I contacted them to have my funds immediately returned, they indicated their normal process is returning the funds within two billing cycles. However, they closed the account, so my funds should be refunded immediately. 

They then indicated they sent a check on the XXXX of XXXX, 2020 ; however, not check has ever arrived. Also, they could not provide a check number of the check that was supposedly sent. I seriously doubt they ever sent one. They could not provide a tracking number, or any other information to confirm a check has been sent.

I would like to file a formal complaint of fraud, and possible wire fraud, regarding Discover in regards to this issue, as they auto debited my account with no intention of ever opening an account, with the intent to steal and defraud me.
Consumer complaint received 2022-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

15 U.S.C 1602 ( g ) there is no valid proof of the evidence of indebtedness with this credit transaction.

15 U.S.C 1602 ( k ) I was not provided an adequate notice that clearly showed I owed this debt, and because of this, I made an uninformed decision by a computerized agreement. 15 U.S.C 1602 ( p ) unauthorized use because I did not benefit from this transaction. XXXX removed credit transaction ( XXXX ) from my consumer report but left a furnished account that says below : ( THE XXXX XXXX ) The remaining credit reporting agencies have not removed this account from my consumer report. XXXX has brought the remaining balance of my XXXX charge card to XXXX yet this company has failed to do the same.
Consumer complaint received 2022-10-08
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. (MO)

Credit Bureaus claimed that the accounts were verified, but it is obvious that everything is electronic and therefore they never talk to anyone to do a " reasonable investigation '' as required by law I actually disputed some of the accounts directly to some of the creditors and they never responded to my request for investigation, just refuse to validate the debt they claim I owe as requested by the FDCPA., yet the bureaus turn around and tell me that these accounts have been verified by the creditor. I would appreciate it much if you remove the items I will be listing below
Consumer complaint received 2021-08-23
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (DC)

Id received a U.S. Bank XXXX in the mail today ( XX/XX/2021 ). The issue is, Id never applied for unemployment. Ive been working for almost 20 years. Even during the pandemic, Ive been working. 

I was transferred from person to person. A specialist did take my call. Shed informed me that the card was in fact for unemployment. Shed stated that she was going to get me over to the unemployment department. Where they can pull the application. As well as close it out. 

Placed on hold. Someone picked the call, they never responded. They just held the phone. So Id decided to look for a site on the documents placed in the envelope with the credit card. 

Therefore, Im reaching out to you all for further assistance on this matter. I do not know the amount on the card. I did not activate this card. 

Kind Regards,
Consumer complaint received 2021-04-15
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. (VA)

I was scammed into investing with a real estate/entrepreneur money making scheme called the Will to Win method. This company is known as XXXX XXXX and enticed individuals to open credit card accounts to pay for their educational services. In XX/XX/XXXX the Federal Trade Commission issued Preliminary Injunction Order : XXXX, requesting XXXX XXXX to suspend all activity for services in connection with advertising, marketing, promoting, or offering for sale of any goods or services for making false claims. 

On XX/XX/XXXX the Federal Trade Commission filed the " Second Amended Complaint for Permanent Injunction and Other Equitable Relief '' Case No. 2:19-CV-00713-DAK-DO vs. Zurixx LLC and the case is still pending resolution. 

XXXX XXXX assisted and enticed me to open this account and told me to transfer their " Educational Services '' balance to this credit card from another credit card they assisted me in obtaining. Those services which were deemed fraudulent by the Federal Trade Commission. I've attempted to contact to resolve this issue with XXXX with no assistance from them. Countless hours have been spent trying to remediate the fraudulent charges but they do not agree. This has severely affected my Credit Score and my government security clearance.
Consumer complaint received 2022-02-15
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act 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 2021-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I submitted a letter on XX/XX/2021 about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 45 days. I feel as though I'm being used and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to investigate these issues within 30 days is a reason to remove those things off my credit report immediately. It has been over 45 days, and they should be erased immediately. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the XXXX data breach, and it may have got into the wrong hands.
Consumer complaint received 2022-03-21
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. (SC)

I called in to EXPERIAN on XXXX about information that is being reported on my consumer reports as a result of identity theft. This information was disputed on XXXX and I provided proper documents for this information to be deleted per the law 15 USC 1681c-2 within 4 business days. EXPERIAN did an investigation and stated the account was verified. When I called in to get a description of the procedures used to determine the accuracy and completeness of the information that was allegedly verified, I was told by an agent that I had to contact the furnisher and he hung up on me. I called back again and spoke to agent XXXX in the special services department and he stated that he could not provide that to me for privacy purposes. I explained that was against the law and stated that I verified my identity and had a right to get a description of the procedures used to determine the accuracy and completeness of the information that was allegedly verified. The agent then stated he would email me something and he would start another reinvestigation. I told the rep that I had already submitted everything needed per the law and that this information being reported inaccurately is harming my reputation and character and EXPERIAN was invading my right to privacy. I also asked was EXPERIAN a government entity since they call themselves a BUREAU and he stated yes they are and they have the right to report things on my consumer report as soon as I decide to extend credit. This was alarming and completely inaccurate information. I am coming to the CFPB for help since every consumer reporting agency is an elaborate mechanism governed by the BUREAU OF CONSUMER FINANCIAL PROTECTION.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-14
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. (NY)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-07
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. (MD)

After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes from my report. The negative items which I have been disputing still appear on my credit report. This is clearly a violation to the Federal Law. Per FCRA section 605b, Credit Reporting Agencies are required to remove/block any accounts listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2021-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Signed up for a bank of America AAA credit card. Mailed a check at the end of XXXX for {$150.00} ( to pay XXXX ), then I mailed a check at the end of XXXX for {$150.00} ( To Pay XXXX ). Never got a statement then on XX/XX/2021 I go to use my credit card and it was denied. I am like I have a XXXX limit and a XXXX  balance, this makes no sense. I go online and see my payments have not been applied and I hurry and pay electronically since the company never sent me a bill, never called me or notified me of any issue, I assumed everything was paid. When I talked to them on the phone to get my fee waived they said they would not waive it and they didn't even tell me it was 30 days past due, they just said they would not waive it. 

I get a notice that I have a late payment and I have not missed a card payment ever with them and I have two other cards with them. I feel this was a problem on their end that they never applied for my payments and never did statements. I was going to sign up for auto-payment but I decided to cancel two of their cards because of how rude and unhelpful they were.
Consumer complaint received 2021-03-10
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: EQUIFAX, INC. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ... XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2022-02-15
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: Experian Information Solutions Inc. (LA)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have never in my lifetime signed nor authorized for the over {$15000.00} amount of 7-8 loans which I have been saddled with for over 15 yrs, which have ruined my credit, name and life since. I only applied and signed for 2! loans at XXXX XXXX for two quarters when I attended their school for 6 months in 2007. I have submitted a Borrower Defense claim and transcripts to the Dept of Education and I have yet to receive a final word on my defense of being deceived and duped by this school. I am sick and tired of being associated with debt I never used/nor received, apart from the {$5.00} thousand that covered my classes & materials then. I will go take all involved parties and file suit in court unless this is erased from my credit and history.