davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-12
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. (CA)

Hello please help. 

I have 3 concerns. 

Dispute ; 1 XXXX is reporting my closing date with XXXX XXXX XXXX   card on XX/XX/XXXX when it is ( XX/XX/XXXX ) I have notified XXXX with a letter of proof from XXXX XXXX 5 times online and 3 times via letter and they refuse to correct my closing date. Also Equifax & XXXX in not reporting this ctedit line at all and needs to add it. 

Dispute2 All three credit bureaus is reporting 4 late charges XXXX, XXXX, XXXX, XX/XX/XXXX on my credit report where XXXX cleared the discrepancy abd provided me a letter which they have having all the late fees removed but no change has been updated. Ive made 4 attempta with a letter from the merchant
Consumer complaint received 2018-05-23
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (CA)

XX/XX/18, credit inquiry ran through XXXX  by XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX Ohio, XXXX for a XXXX XXXX Credit card. My credit is locked due to previous identity theft issue. I tried to call the customer service number XXXX and the number is not in service. 

I have not applied for credit with this company. 
XXXX XXXX
Consumer complaint received 2018-09-12
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO. (AZ)

Repeated phone calls regarding my mother 's debt. Today, XX/XX/XXXX, at approximately XXXX MST, an unauthorized charge of {$590.00} was issued to my account to cover part of her debt. When called a reversal was refused.
Consumer complaint received 2021-07-15
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

Experian responded to my complaint " Company responded there is an unauthorized third party on XX/XX/XXXX The company needs authorization from you to proceed with your complaint. 
We reviewed the complaint you submitted and sent it to the company for a response. The company has let us know that it needs authorization from you to proceed ''. 

I XXXX XXXX born XX/XX/XXXX give permission to Experian, and I authorize Experian to proceed with my claim of Identity theft.
Consumer complaint received 2022-07-15
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: EQUIFAX, INC. (IL)

They Broke the law furnishing to my credit report without my consent the law clearly states " Pursuant to 15 us 1681a ( d ) ( 2 ) ( A ) ( ill ) - In your initial investigation I was never given the opportunity to deny this information being communicated on my consumer report ''. This is in fact another violation.
Consumer complaint received 2020-09-23
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. (CA)

I have filed disputes with XXXX, XXXX  and Equifax back in XXXX this is almost XXXX and I still haven't received anything. This is not fair that it is taking so long to get my results. I know they are supposed to reply within 30 days and they have not.
Consumer complaint received 2018-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (LA)

I graduated in XXXX of XXXX from this school unit take which promised job placement for one within a  year which I never got I didn't get a job in for bottome until XXXX But the problem here is that I have never missed a payment on any of the 4 nil net loans that I have they have all been in deferment since I graduated I have never missed a payment in XXXX I have already disputed this with them on my XXXX XXXX credit score
Consumer complaint received 2021-07-15
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. (AZ)

THIS BILL FROM XXXX XXXX KEEPS REPORTING A COLLECTION ACCOUNT TO MY CREDIT REPORT. ITS IS FRAUD. I HAVE ALREADY REMOVED THIS ACCOUNT TWICE FROM MY CREDIT REPORT. THEY ARE VIOLATING MY RIGHTS. PLEASE HELP ME RESOLVE THIS ISSUE!
Consumer complaint received 2022-04-07
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: EQUIFAX, INC. (AZ)

I spoke with XXXX at Equifax on XX/XX/2022 about the late payment that appears on my credit report I request the following late payment to be delete and removed off my Equifax credit report : XXXX XXXX XXXX '' late payment amount of {$17.00}.
Consumer complaint received 2018-12-24
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. (IL)

The account below the company stated that I failed to pay. I have attached proof that I have made payments to the account as agreed to by the bank. I have been trying to work with bank to settle debt. 


XXXX XXXX XXXX  XXXX {$27000.00} Installment Negative XX/XX/XXXX XXXX Account : XXXX XXXX XXXX  XXXX XXXX XXXX {$1000.00} {$1500.00} 70 % Revolving NegativeXX/XX/XXXX
Consumer complaint received 2021-07-15
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. (IL)

On XX/XX/XXXX my account was charged off and it was also charged off XXXX XXXX in XXXX and also XXXX XXXX of this year. I made payments caught up and was current as of XX/XX/XXXX XXXX XXXX XXXX never reported my payments to the credit bureau I found out XX/XX/XXXX that they were reported my credit as a charge off and my credit score continuously dropped every month so I stopped paying and now theyre still charging my account as Charge off and saying I owe more than what I owed from the last Payment which was made in XX/XX/XXXX I need help please and thank you.
Consumer complaint received 2023-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XXXX  XXXX, My new set of ordered checks got stolen. As a result, there were fraudulent check written out. On XX/XX/XXXX check # XXXX, amount of {$800.00}. On XX/XX/XXXX check # XXXX, amount of XXXX. On XX/XX/XXXX check # XXXX, {$1200.00}. On XX/XX/XXXX, check # XXXX, {$900.00}. On XX/XX/XXXX, check # XXXX, {$3400.00}. On XXXX, check # XXXX, {$3500.00}. I have contacted my bank multiple times in the past, only answers are working on it. It have been almost a year now. My claim ID # is XXXX.
Consumer complaint received 2018-12-24
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. (IL)

The account below the company stated that I failed to pay. I have attached proof that I have made payments to the account as agreed to by the bank. I have been trying to work with bank to settle debt. 


XX/XX/XXXX XXXX {$27000.00} Installment Negative XX/XX/XXXX XXXX  Account : XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} {$1500.00} 70 % Revolving Negative XX/XX/XXXX
Consumer complaint received 2018-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

The account below the company stated that I failed to pay. I have attached proof that I have made payments to the account as agreed to by the bank. I have been trying to work with bank to settle debt. 


XXXX XXXX XXXX XXXX {$27000.00} Installment Negative XX/XX/XXXX Experian Account : XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$1000.00} {$1500.00} 70 % Revolving Negative XX/XX/XXXX
Consumer complaint received 2018-08-27
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

I submitted an investigation request to the credit bureaus back in early XXXX. I had no problem getting the results back from XXXX  and XXXX XXXX in a timely manner, but Experian is taking way too long. I still haven't receive my response from them.
Consumer complaint received 2023-03-09
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: Experian Information Solutions Inc. (TX)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$910.00} XXXX XXXX Original creditorXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX Original creditor XXXX  XXXX Balance : {$230.00} XXXX  Original creditor XXXX  XXXX  XXXX XXXX Balance : {$1600.00} XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX : {$97.00} XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXXXXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX/XXXX  XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX  XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXXInquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX
Consumer complaint received 2021-07-15
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: AMERICA FIRST FEDERAL CREDIT UNION (AZ)

Introduction : The bank ( America First Credit Union ) block my funds due to I owed them money from a credit card I do have with them which I see no fair. Since last year XXXX XX/XX/XXXX XXXX my husband become unemployed due to a COVID-19 and that cause a big hardship to ours personal assets. Between that time I am the only work at home and I am not able to keep or make the monthly payments to America First Credit Union. Also I remember in more that 2 time call them and ask for payments extension. I have to make some hard or unwanted decisions to keeping stand financially for my family, so I have to apply for one of these programs ( debt relief ) and ask for a consultation. I end to decide for this option and make contract with XXXX XXXX XXXX, they now negotiating with all the accounts under this program and America First Credit Union is one under this program. 
Dispute : Today ( XX/XX/XXXX ) I find out that after IRS deposit the payment of the Child Credit of {$750.00}, the bank retained the whole amount and apply to the credit card debt I have with them. I feel unfair since I am on the middle of negotiation with them and also they should have notes from me on the past about the hard time we across financially, plus the new law about COVID relief between creditors and consumers.
Consumer complaint received 2021-07-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (VA)

first va was notified that I wasn't able to make payments ... I let them kno that no payments were allowed to be taken out of my account the continued to take payments out of my account unauthorized on XX/XX/XXXX for XXXX then on XX/XX/XXXX for XXXX and XX/XX/XXXX for XXXX I called the local office on XX/XX/XXXX and asked for cand d mail only communication ... with local office where the manager was cursing me and hanging up on..I called corporate and turned her in and also notified them again that no authorization of payments were to come out of my account no further communication but my mail only ... abs they continued to debut my account..refused to return the funds that unauthorized and continued to call on XX/XX/XXXX, XX/XX/XXXX 2 times.. XX/XX/XXXX and XX/XX/XXXX from. local office and corporate office called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and 3 times on XX/XX/XXXX leaving messages for a return call.
Consumer complaint received 2019-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (CA)

Us bank credit card/ sky pass promised bonus miles when I applied. And I been calling them sinceXX/XX/2018. They told me they will update the miles and they told me they not going to update my bonus miles.
Consumer complaint received 2021-10-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (FL)

I have been trying to close this account for more than two weeks. I called Kabbage twice and was on hold for over 30 minutes each time. I sent in an email to close my account then the account was locked and I can't log on. I keep getting an email to call them. I emailed them and one representative gave me another number to call and it was an automated system which was a waste of time. I found another number to call and finally spoke with someone who thought it might be closed, but connected me with XXXX XXXX   who said it wasn't closed and to talk to Kabbage. I just want this account closed.
Consumer complaint received 2019-01-16
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

Someone opened an account in my name which caused a debtor status to be placed against me. Now I am taking this step remove this potentially fraudulent information from my credit file. Moreover I do not recognize the account number listed for these item reporting nor do I recall establishing an account with the collector nor there predecessor
Consumer complaint received 2019-01-16
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. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. I am doing this on my own behalf.
Consumer complaint received 2021-07-15
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: EQUIFAX, INC. (WI)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later i have not received a response yet. I feel like i am being taken advantage of and i am being ignored of my dispute section 611 ( a ), it is plainly stated that a failure to investigate these within 30 days give a reason to immediately remove these items from my credit report it has been over 60 days, so they should be deleted promptly i demand these accounts be delete it immediately or i will file for litigation due to the stress you caused me. My information was also impacted by equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-09
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)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

Bankruptcy XXXX XXXX Bankruptcy XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX 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 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (FL)

There is a hard inquiry on my report that there doesn't seem to be a record of with the consumer. I reached out to Best Buy credit card dept and CitiBank and neither have record of my SSN ever being in their system however, XXXX is reporting as though it has. XXXX can't remove it without paperwork from Citibank Best Buy and Citibank Best Buy tell me they can't provide anything because I am nonexistent in their system.
Consumer complaint received 2024-03-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: MoneyLion Inc. (CA)

I had transferred funds from my personal checking account to my moneylion account. Then about an hour after I get a notification stating fraudulent activity was going on. I quickly checked my moneylion account and by then all my money in my account was drained. 
I asked how is it possible someone took my money and they responded stating someone used my virtual debit card and did about XXXX transactions. I was informed they would open an investigation and it would take 10 days however after a few days i received an outcome stating the transactions did not fit a fraud pattern and moneylion is now refusing to credit back my stolen funds. 
Also another thing I did want to mention prior to me adding funds I had enrolled in a new subscription with their company called moneylion WOW. When I signed up I did make my first money payment with my virtual card. 
All I could think is their system was hacked and they got the info to my virtual card
Consumer complaint received 2022-07-15
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. (OK)

XXXX XXXX violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose so XXXX XXXX has violated this law because this late payment is reporting on XXXX, TransUnion and XXXX. 

15 USC 1681a ( 4 ) says, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy so XXXX XXXX  has violated this law because this late payment reporting on XXXX, TransUnion and XXXX is a violation of my right to privacy because I didnt give them permission to report it publicly. 

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so XXXX XXXX  has violated this law because they furnished this EXPERIENCE to XXXX, TransUnion and XXXX and I didnt give them permission to do so.
Consumer complaint received 2020-11-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IN)

I have a Chase Bank Checking and Savings account. On XX/XX/2020 I used my debit card to purchase items from XXXX and my card was declined. I received a notification to call Chase for possible fraud. I called Chase and was told Chase has decided to close my account and not do business with me and I will receive my funds within 7 to 10 business days. I thought this was a joke and called back and was told Chase does not have to notify me if they are going to close my account. I couldn't understand this because of a 20 plus year banking relationship. I was again told my funds will be received in 7 to 10 days. On XX/XX/XXXX I received a text from Chase indicating my checking account has a bal of {$0.00} below my {$200.00} limit and transfer funds from my savings. On XX/XX/2020 I went to a Chase Branch to close out my savings account and was told Chase already closed the account and funds have been mailed. I then called Chase and was told my funds were not mailed and I have to proof where my funds came from. My checks are direct deposit and I told the agent this and they can see where my funds are coming from. I was informed I would have to provide documentation to proof funds. I provided Chase with my W2 and 2 letters from Texas Work Force. I was told today that I would have to prove residency in Texas. I claim residency in Indiana not Texas. I worked for a company in Texas. Chase is on a wild goose chase and have said it will be easier if they reinstate my account. I Chase to release my funds from my savings and checking. I do not want a banking relationship with Chase.