davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: U.S. BANCORP (WI)

In XXXX our credit card was stolen. We canceled the card with US Bank Visa. Card was then reissued. Bill for card did not show up until I called the company and asked where our bill was. I thought with the missing card and the re-issue everything got delayed. They said they had sent the bill out already and I said we never received it. They had sent the bill to our former address that we had not lived at for about 4 years. They corrected the mistake and sent me a new bill to our current address. We paid the bill and never gave it a thought again until this year when we added a new car to our insurance plan. My agent said our rate was increased because of a reduction in our credit score. My insurance company said the problem originated with our credit card company. I contacted the credit card company several times and they were no help and said we can't do anything about it. I then went XXXX XXXX and filed a complaint and they did nothing except send me a report showing my one missed bill with the credit card company that I already knew because they had messed up on the bill. So I have had to pay higher insurance rates as a result. I have never been late in paying my bills and the XXXX XXXX report verifies that fact. I'm very upset at the the system and I have cut up my credit card with US bank. I need our help to correct this injustice. Thanks you XXXX XXXX
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (OK)

I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. It also appears that the account numbers and names are all different and some appear to be positive and some as a collection account. I've been trying to get in touch with the company but it seems too be impossible. Again, I was not aware that these were going to collections when they were suppose to be in deferment. These accounts are causing my life to be very hard.
Consumer complaint received 2022-12-01
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. (NV)

Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect.

Information in the Credit Report Published as Company Info : XXXX XXXX  Account No XXXX XXXX. Late payment history 2.Last Payment XX/XX/2017 XXXX. Account Verified XX/XX/2017 I already contacted the Company on the Account and received inaccurate response. 

In Accordance with the Fair Credit Report Act this account violated my rights.

15 U.S.C. 1681 Section 602 A 1 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. 

Kindly delete the account. 

Thanks XXXX XXXX
Consumer complaint received 2024-03-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

I decided to purchase shoes and clothes for my family from this website called XXXX I deposited {$440.00} so I can order the clothes I wanted I wait for agent to submit orders to vendors then finally they ship out my package after paying over {$200.00} for shipping Once my package arrived in the mail and I unpacked everything I noticed right away these shoes have horrible defects glue stains on midsole the soles themselves are coming apart in two pieces I can see where they begin to separate I check the shirts I was sold I noticed the quality was horrible on this XXXX  T shirt I purchased this pair of XXXX XXXX and I find not only did they ship me the wrong pair I needed a size XXXX and I received a size XXXX men so these are unwearable the rest of shoes are horrible they smell like very stinky glue and I decided to wear one of the shoes around the house and right away the make loud squeaky noises I purchased real XXXX shoes and they definitely dont make that noise I was really upset with this haul the quality on all of the goods I ordered were horrible versions of the real non XXXX  shoes I wanted to return these horrible quality shoes but I read online its a nightmare having to return these shoes Id have to pay another {$200.00} to ship these back to XXXX  and I didnt want to break the law by shipping out fake XXXX  items 18 USC 2320 : Trafficking in XXXX  goods or services. So I decided to open a dispute with my credit card provider chase regarding this I explained my entire situation and chase ended up siding with XXXX saying charge was valid after I explained 1 pair of shoes were missing and 2 T shirts on top of fact these are horrible quality fakes I cant possible wear these shoes in public The glue they used makes a squeaky sound when I tried them in my house this is the first and last time I use XXXX and Im upset with chase dispute process with protecting the customer Im honestly thinking of paying off my statement balance and closing the card if chase is unable to assist in disputes XXXX card is heaven sent when it comes with disputes Im not sure why chase doesnt respect their customers I simply just want my money back for these horrible XXXX goods I purchased I cant ship them back because thats against the law and I would have to pay out of pocket {$200.00} if XXXX wants to provide a label and have XXXX pickup the package because I will not get involved with shipping XXXX  goods out the us Please contact chase regarding this dispute its unfair they just close out the dispute on the customer and side with the merchant Unacceptable
Consumer complaint received 2022-10-07
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 ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 


XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-17
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: AMERICAN EXPRESS COMPANY (OH)

American Express Travel does not disclose that it uses a third-party service, XXXX, to book their travel arrangements. 

American Express Travel committed to resolving an issue over the departure date of a recent vacation. The commitment was made on two calls which are logged from XX/XX/2021 and XX/XX/2021. 

As it turns out, that commitment was made by American Express ' non-disclosed third-party resource XXXX. 

Even though both calls are logged and I have provided proof supporting the revised check out date, American Express will not refund me for the revised departure and is unwilling to allow me to initiate a billing dispute. 

I have attached a full detail to this matter.
Consumer complaint received 2022-01-17
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. (OK)

XXXX XXXX XXXX XXXX is reporting incorrectly on my credit report. It reporting as derogatory information. I have never had a loan with this company, the account is showing I have a missed payment with them and that's not correct. I have attached the receipt. I need XXXX and TransUnion you to fix this account asap.
Consumer complaint received 2022-01-17
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 an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that 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 gotten into hands of the wrong person.
Consumer complaint received 2022-10-07
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not permissible to fail to validate this reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXXXXXX XXXX XXXX Date opened XX/XX/2022 Balance : {$320.00}
Consumer complaint received 2019-05-24
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: TD BANK US HOLDING COMPANY (TX)

showing td bank never been inaccurate information FCRA violaton must be removed How can XXXX tell us we can not get helped by a 3rd party with theyre licease and experienced?
Consumer complaint received 2024-03-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: eToro USA LLC (IA)

The company ( eToro ) does not enable customers with closed accounts to access tax forms. eToro issued a 1099 to me for tax year 2023, but this document was not sent to me via email, traditional mail, and can not be accessed online because my account is now closed. 

My goal is to obtain my tax documents. I have contacted eToro on four occasions about this and have not received a response.
Consumer complaint received 2022-12-01
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. (NV)

Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report Published as Company Info : XXXX XXXX XXXX Account No- XXXX XXXX. XXXX XXXX- {$900.00} XXXX. Last XXXX XX/XX/XXXX XXXX. Account Verified XX/XX/XXXX I already contacted the Company on the Account and received inaccurate response. 

In Accordance with the Fair Credit Report Act this account violated my rights. 

XXXX XXXX. XXXX Section XXXX A XXXX XXXX I have the right to Privacy. 

XXXX XXXX. XXXX Section XXXX A Section XXXX It also States a consumer reporting agency can not furnish a account without my written instructions. 

Kindly delete the account. 

Thanks 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 — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I have currently have incorrect personal information on my credit report. 


Please update and my name, address and employers to the following and delete the rest. 


XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Employer- Retired Please remove all other names, addresses, and employer information if not listed above.
Consumer complaint received 2017-08-23
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivables Performance Management, LLC (MN)

I informed Receivables Performance Management LLC that they were calling me repetedly and at an inconvenient time due to my work schedule on XX/XX/XXXX. The very next day XX/XX/XXXX they called me 4 separate times between the hours of XXXX CST and XXXX XXXX. I called back and spoke to supervisor who told me the phone " sometimes messes up ''. I have NEVER heard of a dialer being set to call 1 individual 4 times so I believe that is a lie and these calls were placed intentionally. It is a harassing practice for a dialer to be set that way. She told me I would not be contacted again. I told her I wish to be contacted by mail only, she assure me that would be the case going forward. 1 hour later at XXXX CST they called me again! I tried to leave my desk at work and go to a quiet place and the reprentative repeatedly said my name loudly and rudely, then they must have reviewed the notes on my account becasue as I was speaking they hung up on me. I tried to call back and I was placed on hold and left there, I finally hung up after 10 minutes of waiting.
Consumer complaint received 2023-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: KEYCORP (NJ)

My mother, who XXXX XXXX, had an account at Key Bank. 
I am the executor of her estate. 
For the last almost XXXX months I have been requesting records of her account for the years XXXX XXXX XXXX along with any XXXX tax forms. 
Every attempt has met with resistance, stalling, stonewalling, or outright refusal to allow me the documents. 
I have went certified mail letters to their CEO and general counsel, which resulted in a reply which was another obvious stalling form letter from someone with no last name, saying that they have been trying to contact me ( garbage ). Several calls to the number in the stalling letter resulted only the ability to leave a message. There have been no replies to the messages. 
The executor, after having duly qualified, essentially stands in the shoes of the depositor in terms of what he or she may request of the bank. Thus, just as the decedent, during his or her lifetime, could have requested statements and the like from the past, so may the executor. All dates are shown on the attachments.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Phoenix Financial Services LLC (KS)

I am asking to be removed from my credit reports, because they received my personal information fraudulently. They received it from a company that was supposed to protect my privacy. I would like them to provide the 3 signed documents, I must sign before my personal information could be shared. This information can be found under U. S. Code 15 Commence and Trade 6801.

Most companies find the last 4 S.S.N. numbers, and full legal name is precise enough information to locate a person in your database. I am not comfortable giving you information that you fraudulently obtain from a company. That suppose to protect my personal information under U. S. Code 15 Commence and Trade 6801. If I am not in your database, then you fraudulently reported me to the consumer report.
Consumer complaint received 2016-11-16
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NC)

I was prompted to open a new savings account with Wells Fargo based on a targeted message/advertisement I received in my online log in at the Wells Fargo website. 

I opened the account, met the deposit requirements ( minimum funds + recurring transfers ) and have not received my bonus. 

I inquired online with Wells Fargo and was told to go in branch. In-branch they were unable to assist me as they said they could not help on online promotions. Therefore, I am reaching out in an attempt to get someone who can resolve this issue. 

I would like for Wells Fargo to honor the {$25.00} bonus they promised me for expanding my relationship with them ( see attached screenshot I took of the online offer ).
Consumer complaint received 2021-09-24
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: AMERICAN EXPRESS COMPANY (MA)

XX/XX/21. I initiated a {$3000.00} balance transfer from an American Express account to XXXX. The transfer was accidentally initiated using an old Amex Cash Magnet account that had been closed. 

I have verified with XXXX that they sent {$3000.00} transfer funds to the old Amex account on XX/XX/21. 

My current Amex account is a Platinum card, which is the one I intended to transfer the balance from. I have called Amex several times, speaking to XXXX XXXX and XXXX, asking to have the {$3000.00} credit moved from the old Cash Magnet card to my current Platinum card. They have identified the issue, but can not tell me why my current Platinum card still does not show the {$3000.00} credit. 

XX/XX/21 I still being told to allow more time for credit to post. I want this issue resolved, either through a statement credit, or check mailed to me.
Consumer complaint received 2022-01-18
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. (CA)

I became a victim of identity theft couple of years ago. After that incident 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. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2022-11-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Ive sent in multiple letters all through certified mail, I Have sent in an Identity theft report stating those accounts are not mine I asked Transunion to send my original signature that they used to verify those accounts and have refused to do so. All they have done is used automated machines to tell me they have verified accounts and send me back letters. 

I Want those accounts off IMMEDIATELY. I Fully plan to seek monetary damages for all the distress this has caused to my life.
Consumer complaint received 2021-09-24
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AMERICAN HONDA FINANCE CORP (CA)

I asked for a lease extension or forbearance on my monthly payment in XXXX. My request was denied. When I made the request I informed Acura that I went from making XXXX a year to XXXX a year due to the pandemic. Even though I no longer need the car due to me having to accept a job in a different state so that I can have some sort of income coming in. A lot of the XXXX XXXX  closed because of covid and the delta variant has cause a delay with other XXXX  contracting me to XXXX XXXX. I have spoken to Acura several times and the rep can not tell me WHY my request for assistance has been denied and they have put in four " tickets '' for a supervisor to contact me back. I have yet to receive a call from a supervisor. I receive calls from representatives asking for a payment but they say the same thing and require that I call back.
Consumer complaint received 2018-04-26
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: Bread Financial Holdings, Inc. (NC)

XXXX XXXX XXXX I do not this company this company did a credit report on me without my authorization I do not know this company I would like to have them remove off my credit report.