davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-20
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. (MO)

Around 15 years ago I got copies of my credit reports from the 3 big ctedit beureas. They all showed me with credits cards and othet types of loans with addresses in North Carolina.I have never set foot in North Caroluna. I had previously been in a class action case against my employer XXXX XXXXXXXX XXXX. I was in because I was 1 of the 300 top wage earners in the XXXX XXXX. Our names address SSN # how much we made and more had been put out by a high level supervisor and it was posted on bulletin boards even put online. After 12 years of litigation were awarded XXXX dollars because they found no evidence of anyone harmed. Now after buying a XXXX XXXX with a slightly cracked taillight cover and having a very hard finding one. Nobody wanted to pass it inspection with red tape so i was stopped 3 times.all 3 officers asked if I was a registered XXXX XXXX.No.I asked why am I being asked this so i said if it shows that we need to fix it now. After awhile this officer said no it's avXXXX XXXX crom North Carolina. So i asked how are we getting mixed up. No answer was given. But still XXXX for sure and maybe others. I haven't even been able to look at XXXX   becauze I cant answer any of the 4 security questions. They tell me I have to provide documents to prove ive never lived there. What in the heck would that be. Looks like they should have to prove I did which is impossible beause i have never been even close. These Credit Bureau 's tag you with a # that affects almost all parts of your life. Insurane Companies.Utility companis loan everything a low # makes every far more than anybody else. I need some kind of documentation so I can get a new SSN #. Im sick and tired of fighting this XXXX for almost 2 decades. Help me and other Americans aho are unjustly being forced to pay outrageous amounts of money for things we need.
Consumer complaint received 2021-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION (MS)

I contacted Navy Federal on numerous occasions advising them of my situation where due to Covid what has occurred. I also advised them that they charged me excessive service fees, and international fees that I was not aware of as well and requested a waiver I noticed that small amounts would be charged a {$29.00} fee over the past few years I have paid Navy Federal over {$10000.00} in excessive banking fees and request for a waiver to get at least half of these excessive fees back. I have called numerous times to get a waiver for the excessive fees only to be told I am not eligible I would have to argue with the attendant to get a supervisor just to get a partial reimbursement and advised them that my father had a XXXX XXXX and I was unaware of the fees that would be charged the rep was very rude and refused to assist me in getting a waiver. During the entire COVID I was not given any assistance to get any help even after numerous attempts to resolve my checking account and credit card and Line of Credit so that it would not be in default. I am still waiting to hear back from the credit card department to get a suitable payment plan on my credit card and line of credit. I am trying to resolve this but unfortunately the people they have answering their phones do not want to help nor assist their is a very long waiting period to get to anyone on the phone and when you do get them you are disconnected and have to start all over again and this time with a rep who could careless and want to get to the next call.
Consumer complaint received 2019-06-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (OH)

A transaction of XXXX dollars was used from my debit card at a XXXX location. I received an alert from the bank that my debit card has been used and that it was a PIN transaction. I called in to report it immediately but my claim was denied. I had filed a police report as well and provided this information but still nothing was done to return my funds. The transaction wasnt authorized because I had lost my card and the bank refuses to even consider the fact that it was fraud.
Consumer complaint received 2022-02-03
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. (CT)

I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 



XXXX XXXX XXXX XXXX I never made a late payment on this account, please correct. XXXX XXXX I never made a late payment on this account, please correct. XXXX XXXX I never made a late payment on this account, please correct. XXXX XXXX XXXX I never made a late payment on this account, please correct. 

I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge. Thank you for your time and attention to this matter. I look forward to hearing from you soon.
Consumer complaint received 2018-08-20
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. (GA)

XXXX XXXX XXXX XXXX XXXX agreement removed collection account off of my credit report. I dispute information with Expience credit agency and they envisage and only update amount and did not remove collection account.
Consumer complaint received 2022-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Chime Financial Inc (TX)

My check was issued by my employer to be sent out to me. our Pay Date of XX/XX/2022. I can see my check on ADP. Which was then confirm by my place of work, that it was issued to me. I have yet to receive my check. Check in amount of XXXX for XXXX hours of work during the time period. I have called and still have not received my money. Chimes claim that they do not no where my check is which I think is a absolute lie. A representative was able to confirm that their was a check, in my name, from my place of work in the amount of XXXX. They continue to give false narrative. They are not the bank, chimes can not act as an agent for the bank, continue to classify as a bank of financial institutions via recorded phone calls. Where my money, where my pay, who gives you the right to hold my check if you are not an actual bank, and consumer had to verify identity prior to creating an account. Its been 5 days since my pay. Chime is laundering money, involved a huge money scam. This company needs to be AUDIT!!!
Consumer complaint received 2021-03-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (MA)

I signed up for a Citi Bank N.A. new checking account offer. First time Citi account opener ( which I was ). Open a new checking account, and deposit {$5000.00} in new funds. Then hold the {$5000.00} in new funds for 60 days or longer, and within 90 days Citi will award a {$200.00} bonus. I deposited {$5000.00} and held it there for over 90 days, but did not receive the bonus. And, when I reached out to people at Citi to resolve, I received no help. 

I have attached screenshotted proof of my transaction history, showing the {$5000.00} going in and staying for over 90 days. Also attaching proof that I opened my account on XX/XX/20 per the email I received from Citi.
Consumer complaint received 2018-08-20
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. (NJ)

The credit bureau are reporting me late. according to my mortgage company they never reported me late. Please take careful time looking into this. This is hurting my family sincerely. We have muliple lates and collections on our report. Please delete our loan mod was in XXXX we where paying on time and never late. never had collections we pay our bills. please XXXX is watching us. please help its effecting our childrens tution we need to borrow to send our son to XXXX. our first child we came from a poor family please XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX lates XXXX how can this happen " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX '' " XX/XX/XXXX ''
Consumer complaint received 2021-03-10
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. (VA)

The complaint is against XXXX investigation result to my dispute : XXXX, XXXX XXXX, and myself we are in agreement that : 1 ) The account was open for a period of almost 3 months 2 ) That the account has been in paid in full in the above mentioned period 3 ) That the account has been closed by my request and not for any other reasons. 
However, myself and XXXX disagree with XXXX on the following : 1 ) the account never have been charged-off nor send to collection in the first place. Kindly look at the duration of this account, 3 months only, which mean that there were to cycles only in this 3 month duration for the due date. so how it is possible that a credit card company in this short period of time try to chase me to pay the balance and when they did not succeed, they send the account for collection, and even this didnt work, so they decide dot Charge-off the account!! all this took place after the first due date of the first payment which will be XX/XX/XXXX and went through till I paid it off and closed the account on XX/XX/XXXX!!!! pls tell me how this is possible!! how XXXX can not see that and making-up their conclusion and what they are showing in the report as a " CO ' which is " Charge-off '' after it have been paid in full and stayed " CO '' for 2 months ( XXXX and XXXX )!!!!!??? 
are the credit bureaus have the right to interpretive the reporting that they receive from a credit company, or they enter in the report as the credit company reported. 
Putting in mind that I had 17 different CC accounts ( which I closed 11 of them in the same time I closed XXXX account ( disputed account ) and my " PAYMENT HISTORY '' in all what I closed and what I have till now open ( 6 of them ) is " EXCEPTIONAL ''!!! pls check my report. 
My question is, what if myself ( account holder ) and the credit card company ( XXXX ) disagreeing off the out come of the relationship, what will happen to my credit and how this issue will ever be resolved.!!??
Consumer complaint received 2018-06-29
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. (MS)

1 ). On XX/XX/XXXX, I sent my first round of dispute letters to Equifax Credit Bureau, which was my stamped Identity Theft Victim 's Complaint and Affidavit, which also had my stamped police report. By the FTC, ( Federal Trade Commission ) rules and regulations, Equifax Credit Bureau had 30 days to delete all fraudulent information from my credit report. 
2 ). On XX/XX/XXXX, I sent a stamped Identity Theft Victim 's Complaint and Affidavit, which also had my stamped police report letter to Equifax Credit Bureau, by XXXX. Postal Service Certified Mail Number XXXX XXXX XXXX XXXX XXXX. This was my first round of dispute letters, for which Equifax Credit Bureau was supposed to remove : XXXX, account number XXXX, opened on XX/XX/XXXX, with a balance of {$2600.00}. 
3 ). Equifax Credit Bureau had 30 days by the FTC, ( Federal Trade Commission ) to remove fraudulent information on the first round of letters ( The stamped Identity Theft Report, and my stamped police report, and XXXX ).
Consumer complaint received 2022-12-02
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Kohl 's Credit Administrator XXXX XXXX XXXXXXXX XXXX, WI Customer Service XXXX XX/XX/22 : Order # XXXX ( Rice cooker order made and assisted by XXXX XXXX Kohl 's Customer Service Person ) I purchased a rice cooker with a new credit card that was offered thru Kohl 's. However, Kohl 's customer service person ( Rep ) stated the order got cancelled by the Kohl 's system. Few days later, I received the charge card statement amount of {$370.00} while I still haven't received a rice cooker. 

On XX/XX/22, I called and talked with Kohl 's Rep, stating the order had been cancelled by the Kohls system and she reordered this rice cooker and followed an email stating the rice cooker was ready to ship. 

On XX/XX/22, I called and talked with Rep, and he said, XXXX XXXX time required and asked to wait until XXXX. 

On XX/XX/22 I called and talked with Rep, she said, no delivery activity being shown in Kohl 's system as she stated. She can reorder or I cancel the order and refund. I was very disappointed at this point. I requested a cancel the order and a refund to my account. I feel like this was a scam deal. 

On XX/XX/22 I noticed on Kohls website, charges still on my Kohl 's credit card. I called and talked with Rep. again. She said, Congratulations, all charges on my account have been removed and it takes effect within 7 days. I also asked to cancel my Kohl 's credit card. 



XXXX XXXX. I received a phone call and left a message saying my Kohl 's credit card payment is late. Call back XXXX. XX/XX/22 I called and talked with Rep. She can not help me with this matter. 

Please help me to resolve this matter Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, NV XXXX Cel : XXXX
Consumer complaint received 2022-02-22
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. (OH)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX and XXXX XXXX XXXX, was XXXX unauthorized Inquiries in my credit report opend on XXXX XX/XX/2022 and XXXX XX/XX/2022 and i dont recognize as mine. 
I formally request that the following inaccurate items be immediately investigated. 
They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days.
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (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 ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and updated : XXXX XXXX XXXX XXXXXXXX XXXX .... Balance : {$17000.00}
Consumer complaint received 2019-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PROSPERITY BANCSHARES, INC. (TX)

Prosperity Bank! My spouse used his card at a XXXX 's XXXX in XXXX XXXX. It declined as a debit, so he tried as a credit transaction. It also declined. Sometimes we do have trouble using our cards at different stores. He next tried his XXXX card. Same thing. He contacted both banks, XXXX was fixed within days, since it was evident that it was fraud. However, Prosperity is claiming that they needed a police report, so that was taken care of. We are being told that the signature for the fraudulent transaction is clearly not my husband 's, but that the third party that Prosperity Bank uses to investigate fraud has closed the investigation anyway. No explanation why. He has called several times with no reasoning of what happened. Looking back on our account, we have been charged {$20.00} overdraft fees throughout the account, when clearly there was money in the account. And, the overdraft fee is {$35.00}, not {$20.00}, so this doesn't add up AT ALL! We are just being ran in circles with promises of an investigation, but nothing. It's so disgusting that a bank can do this with MY money! How was XXXX able to fix his account because of the clarity of FRAUDULENT activity, but not Prosperity -- even admittedly by Prosperity that the signature on file DOES NOT match???!!!
Consumer complaint received 2019-06-12
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. (FL)

I have been having issues with XXXX and Experian in reference to credit inquiries being deleted from my credit report even after proof of my information being exposed in past data breaches and informing them of unauthorized hard inquiries observed recently on my credit report. XXXX has deleted all hard inquiries and also mailed out a current credit report. I am requesting for the same results with XXXX and Experian after several recent disputes via phone. Attached below are documents of the results.
Consumer complaint received 2022-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (KS)

it is my understanding that the mortgage company has to provide 30 days notice when changing service providers. However, I received a letter on XX/XX/2022, that FreedomMortgage has transferred the loan effective XX/XX/2022, to XXXX XXXX XXXX XXXX XXXX XXXX. In addition, the letter was dated XX/XX/2022. Since I have ACH/electronic payment scheduled, I may have to pay the mortgage twice.