davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-27
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. (TX)

Transunion, XXXX, XXXX You are reporting a collection from XXXX XXXX for XXXX XXXX XXXX XXXX bill that I know nothing about I never lived at the billing address don't know anything about it as you can see they have NO contract with my signature and nothing but a bill they state that it is verification, and validation you know as well as I do that is not the case I have lived in Texas for about 20 years. They state section 809 serves as compliance per my request that is false I never request that no identity theft I requested 15U.S.C.1681a { e } as well as others listed in documents they refused to comply Remove this unverified ; none validated account from my credit report Enclosed are the documents
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

I booked a hotel stay with Capital One travel and was advised the hotel offered complimentary shuttle to theme parks and this was misleading because the only offered complimentary shuttles to XXXX and XXXX XXXX and only one departure and return time. Due to my primary reason for my stay was a competition, I didnt get to select which park I attended. Due to this deceptive information, I incurred {$370.00} in transportation charges that were advertised as complimentary.
Consumer complaint received 2020-09-14
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

on XX/XX/XXXX, I started a Identity theft claim and all fraudulent activities were removed. aout 6 months later a creditor put the debt back on my credit profile. I called the creditor on XX/XX/XXXX and immediately disputed it. I spoke to XXXX XXXX Collections Specialist at XXXX XXXX and was advised to send Identity theft report to her and I did on XX/XX/XXXX. They Acknowledge receiving it on XX/XX/XXXX and It is now XX/XX/XXXX and I haven't received a resolution. I told Ms. XXXX that XXXX XXXX XXXX were involved in Fraudulent Activities and they should look with-in XXXX. I contacted Experian Credit Bureau Fraud Department and was advised to send them the Identity theft paperwork and I did. No one in XXXX will contact me, Experian Credit Bureau will not remove this fraudulent item from my credit report that is derogatory {$83000.00} charge off. XXXX is billing someone else name under my social security number and I have sent all the information that is reequired. My latest call was to Experian Customer service Fraud department. Spoke to XXXX and said there is nothing she can do. just keep disputing it. That doesn't help. Its currently negatively affecting my credit. As I have mentioned to Experian Several times.
Consumer complaint received 2019-07-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY (MN)

My account was overdrawn due to an atm withdrawal and another company that kept trying to take an auto payment out. Which I was then charged a nsf and return charge payment. I banked with Wells Fargo since 1996. The past two years I believe I incured over a hundred overdraft fees. They closed my account from being negative XXXX. And almost all of it was for fees that they charged me. They closed my account and didn't notify me. When I called them they sent me a letter to only contact this one person and to have my attorney contact them. Which I do not have.
Consumer complaint received 2022-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (IL)

In early XXXX I filled a dispute for transactions that were charged to me but not delivered, i stated I had obtained a log from the merchant admitting that the items were not received and stated I was due a refund but was unable to process it. However Chime still chose not to obtain this info and denied the dispute. I attempted to appeal the dispute and provided the information and was still denied. The only defense given to me was that the merchant had the right to not refund my money for any reason they chose regardless of if their own employees steal the items. I feel the bank made a decision in bad faith to protect the merchant without considering any evidence.
Consumer complaint received 2023-07-05
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.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 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 2018-09-03
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Management Recovery Corp. (NMRC) (OK)

Last Thursday I got a call from my XXXX County clerks office say that they got a fraud complaint against me and Im being sued but If I call this number XXXX or XXXX I can maybe stop the process. The company I called is called National Management Recovery Corp. They told me I owe Plain Green LLC {$3600.00} and I was being sued and they are going to put me down as a fraud. I was scared so I ask them if I pay them {$100.00} to stop the process and if they would sent me a receipt and sent me by email that they own the debt. They havent sent me anything I almost feel like I got scammed.
Consumer complaint received 2020-12-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (CA)

Transaction # 2 Account # XXXX XX/XX/XXXX On XX/XX/XXXX, I purchased a vehicle from XXXX XXXX XXXX ( now defunct ) in XXXX XXXX, California. Again, Ally Financial accepted the Security Instrument and fraudulently created credit in a Transaction Account ( by forging my signature ), provided the Holder of the lien ( the financing company for XXXX XXXX XXXX ) with an exchange of credit or a Promissory Note, withdrew credit from my Setoff account with the Federal Reserve, placed a lien on my vehicle, and are forcing me to pay in an unlike exchange of credit for money ( Federal Reserve Notes ). A certified letter was mailed on XX/XX/XXXX, in request of a full refund of payments on the current purchase, yet no response has been provided.
Consumer complaint received 2019-07-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Working with Bank of America on refinancing my mortgage led to inquiry in my credit score. The refinancing did not meet the goal I had but the inquiry led to decrease in my credit score impacting the ability to refinance with another lender.
Consumer complaint received 2019-07-13
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. (CA)

Two creditors agreed to remove erroneous negative information from my credit report. 
They both sent me deletions letters last year as well as sending Experian an update request. 

Your company failed to update those accounts and in addition, when I recently disputed the accounts and provided the brueau with the deletion letters, but they came back and responded in 4 days time that the account was verified. 
I just called both furnishers who assure me that the bureaus never tried to verify the information from them.
Consumer complaint received 2023-10-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (TX)

I've been using cashapp to pay bills etc I've never had a problem I placed XXXX in my cashapp balance the XXXX of this month and XXXX weeks ago went to cash app it denied I verified my ID spoke to customer service even provided bank statements and proof if change and still they refuse to tell me why or anything just locked acct and said I won't get my money
Consumer complaint received 2022-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

Under Experian My credit was pulled and had a total of 5 hard inquiries by the companies below without my consent. 
XX/XX/2021 & XX/XX/2021 XXXX XXXX  and XX/XX/2021 by XXXX XXXX .
Consumer complaint received 2020-02-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Monterey Financial Services LLC (WA)

I called the first time and was told that there was a mtg and I would be called back to pay off my loan, that call never came. 
I than called 2 other times and was hung up on both times. 
This all occurred on XX/XX/2020 I have also attempted to go online and pay it off but your website will not let me make a password, even though I have 1 uppercase, 1 symbol, 2 numbers, 10 characters, which surpasses your min stated password requirements, which I have a screenshot of.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Yes I will try to be as specific as I can I on a couple occasion try to send the information that I attach to this complaint to the credit bureaus Equifax XXXX and XXXX that I paid set an account with the collection agency and I waited for them on a couple of occasions too we move it or change the inaccurate information on my account and the information is damaging to my personal finance and I would like to have it removed and also as you can see I have records showing that I paid the question agency this amount and is still showing in the documents that I attached that derogatory but it's not I settled this account with the clutching agency I just want it removed
Consumer complaint received 2019-01-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL (CA)

I made two purchases on XX/XX/2018, and one purchase on XX/XX/2018, from an e-marketplace website called XXXX ( XXXX XXXX XXXX ) for virtual codes for a video game called XXXX XXXX XXXX. The purchases were paid through PayPal and I subsequently received the video game codes which I added to my game account. 

On XX/XX/2018, I received an email from the game developer of XXXX XXXX XXXX, stating that my game accounts have been suspended due to fraudulent purchases. The developers stated that the codes I had purchased from XXXX were found to " have been acquired illegitimately through fraud, hacking, or identity theft '' which led to the suspension of my account and the removal of the game benefits from these codes. From my correspondence with the game developer, it was revealed to me that XXXX is not an officially authorized seller for these codes and they are a marketplace where users can sell their extra/unneeded codes. 

On XX/XX/2018, I emailed the XXXX support team about this issue and requested a refund for my purchase. A XXXX support agent responded on XX/XX/2018, that they " can confirm that all of our codes are legitimate. '' In response, I asked the support agent to provide the original proof of purchase for the codes, such as date, time, and location of the original purchase. The support agent responded with completely irrelevant information. 

I submitted all this documentation, including the email from the game developer and my correspondence between XXXX, to PayPal to dispute these three charges. On XX/XX/2018, PayPal finished their initial investigation of the dispute and resolved it in the seller 's favor. They did not provide me with any information from the investigation and simply said that it was not in my favor. I re-opened the dispute and further explained the situation. On XX/XX/2018, PayPal finished their second investigation and still did not decide it in my favor or provide any information from the investigation. 

Therefore, I am submitting a complaint against PayPal for failure to disclose the outcome of their investigation and failure to protect and refunding their users from fraudulent web stores.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (TX)

This creditor CHASE VISA SIGNATURE CREDIT CARD ( XXXX ) has violated my rights, under 15uic 1681 section 602states that I have a right to privacy.

! 5 uic 1681 section 6048 section 2 is also states that consumer reporting agency can not furnish an account without my willingness and instructions.

Under 15uic 1666B - a creditor may not treat a payment on credit card account under an open a consumer credit plan has late at any purpose.
Consumer complaint received 2022-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX To whom it may concern : I RECENTLY received a copy of my CONSUMER REPORT and I noticed some late payments being posted on my CONSUMER REPORT! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company is in CLEAR VIOLATION OF THE LAW! Under 15 U.S. Code 1681b - Permissible purposes of consumer reports. The LAW CLEARLY STATES a ) 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 ANY WRITTEN instructions to FURNISH THIS ( ACCOUNT ) on my CONSUMER REPORT! Now further more the FCRA 15 U.S. Code 1681a - Definitions ; rules of construction SO EXCLUSION from a CONSUMER REPORT, clearly states 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; NOW THE TERM PERSON defined by Congress means person ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

So therefore a LATE-PAYMENT is a TRANSACTIONAL experience between the CONSUMER. Which CONGRESS define consumer ( c ) The term consumer means an individual.

Which is an INDIVIDUAL ( me ), and the person making the REPORT which is ( the company name ) So since its a TRANSACTION between the CONSUMER and the PERSON! Delete the above LATE-PAYMENT FROM MY CONSUMER REPORT! This AGENCY is in violation of 15 U.S. Code 1681. Now Im not telling you to delete the account! Im asking for you to delete the above LATE PAYMENTS which are in violation of being REPORTED and keep the account.

Now FAILURE TO RESPOND! I will take LEGAL ACTION. Due to you being in VIOLATION OF THE LAW! The law SAYS under CIVIL LIABILITY. 15 U.S. Code 1681n - Civil liability for willful noncompliance a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 



Respectfully, XXXX XXXX
Consumer complaint received 2019-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of ID theft. I reported to FTC. I got my credit union report from TransUnion. 

my employment is wrong. 
XXXX XXXX XXXX XXXX verified XX/XX/XXXX was wrong. 
I am a XXXX in XXXX. Florida since XXXX, XXXX. 

There are 4 unrelated phone numbers in the report. 

XXXX XXXX XXXX yours truly, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX
Consumer complaint received 2019-07-13
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 went to cosign tor my son a car and after being there for about 4 hours my son was denied for his car because of me being a cosigner. I went home and pulled my credit again and on one of those credit sites and there are some things on there that are not mine. I have reached out to the FTC and to my local police department and I am doing this all on my own. These need to be removed XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX and there is a bankruptcy showing on my credit as well. I have never even thought of a bankruptcy. Please have these items taken off my credit Thank you
Consumer complaint received 2021-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

The following companies failed to response to my complaint within the 30 days timeframe. Also, they have violated my consumer rights under the FDCPA act. They were given a timeframe to resolve this solution but they didn't. I have given them several verbal authorizations and have filed this numerous times.
Consumer complaint received 2022-08-27
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. (IL)

I previously filed a complaint on this company. The company generated a statement saying that Equifax has investigated and is reporting this information correctly. This statement is not true. My credit report still shows as delinquent and my credit score has been negatively impacted by this information. I am providing screen shots as of today to show that Equifax nor XXXX XXXX reported or responded honestly to the status of this case. They just entered a response without truly rectifying the problem.
Consumer complaint received 2021-04-13
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

A temporary vet took unauthorized X-rays of my dog, then never sent them to my 'usual ' vet or myself. They wouldn't let me leave with my dog until they were paid. I disputed the charge with Capital One, gave them all the info they requested, then they denied it and asked for completely ridiculous information : " A second opinion on company letterhead from another merchant in the same field that states how the service was defective or did not match the description of your sales invoice. '' My vet and another vet both said they would have to charge me to provide anything on a letterhead. If Capital One needed this information, then they should have gotten it themselves. 
Capital one ruled against me and closed the dispute and refused to reopen it. 
I refused to pay the disputed amount, closed my account of 10 years with Capital One, and now they email me daily with no way to make them stop.
Consumer complaint received 2019-07-13
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 went to cosign tor my son a car and after being there for about 4 hours my son was denied for his car because of me being a cosigner. I went home and pulled my credit again and on one of those credit sites and there are some things on there that are not mine. I have reached out to the FTC and to my local police department and I am doing this all on my own. These need to be removed XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, Rap lie and there is a bankruptcy showing on my credit as well. I have never even thought of a bankruptcy. Please have these items taken off my credit Thank you
Consumer complaint received 2019-09-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

I have been a customer of Bank of America for over 22 years. I was XXXX in an accident in 2004 when I XXXX XXXX XXXX and XXXX as well as my children 's benefits money goes directly into two of the three accounts I have with Bank of America. 

This morning without any notice or letter, I tried to use my Bank of America debit cards - I have two accounts. Neither one would work. I called bank of America and they informed me that as a business decision they decided to cancel my accounts, leaving me no access to my money or my XXXX direct deposits, and I would have to wait up to 90 days for them to give me my money. 

I have XXXX children, I need medication, they have all of my money and canceled my accounts without notice. They said it was in my account agreement from over 22 years ago!!! This should be illegal. How do I get money?????? How do I get gas. How do I get food, How do I get my medication. How do I feed my children????? Pay my bills.