davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-27
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)

This is my 9th 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
Consumer complaint received 2018-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (PA)

There were multiple charges from " XXXX '' on the XXXX XXXX ( which Chase converted to a XXXX card despite our objections ) that are in dispute and should be removed from this card, along with all related interest and fees. Chase has not addressed these concerns as of now. 

The following are the disputed transactions : XX/XX/XXXX XXXX {$160.00} XX/XX/XXXX XXXX {$160.00} XX/XX/XXXX XXXX {$110.00} XX/XX/XXXX XXXX {$260.00} XX/XX/XXXX XXXX {$260.00} XX/XX/XXXX XXXX {$260.00} XX/XX/XXXX XXXX {$210.00} XX/XX/XXXX XXXX {$160.00} XX/XX/XXXX XXXX {$290.00} XX/XX/XXXX XXXX {$50.00} The total amount of the above disputed transactions is {$1900.00} + INTEREST. 

Additional documentation can be provided upon request.
Consumer complaint received 2023-07-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2019-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (UT)

Discover Fin Services # XXXX is reporting a debt I do not owe. This account is past the statute of limitations in Utah and should no longer be on credit. I do not owe this debt and it should be removed.
Consumer complaint received 2022-12-15
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am XXXX XXXX a living human with all of my rights afforded by the fcra I am writing this complaint against Transunion because on XXXX/XXXX/XXXX  I lodged a complaint against transunion complaint number XXXX transunion acknowledged reciept of the complaint as well as issuing an interim response. The fcra states clearly the laws for the credit reporting agencies to follow to the letter without deviation or self perception they are to be followed as written and the fcra allows 30 day for a credit reporting agency for in vestigation or reinveatigation with in certain circumstances being allowed an additional 15 days no where in the fcra are they given 60 day there fore this rule puts their investigative process past its expiration date and I move to please have the file inqueation from the dispute removed from my credit report as XXXX states earlier the fcra is the bi laws for data furnishers and credit reporting agencies and are to be followed as written and as absolute as can be so please cfpb enforce the deletion of the file attached to complaint number XXXX thank you
Consumer complaint received 2021-06-16
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. (IN)

I filled a dispute to XXXX, Equifax, and XXXX  on XX/XX/XXXX. I have yet to receive anything saying they verified the accounts on my credit report.
Consumer complaint received 2019-05-02
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)

The following accounts are not mines and nor do I have any knowledge of these accounts. I'm asking that the following accounts be blocked from my credit report, ( 1 ) XXXX XXXX, ( 2 ) XXXX XXXX XXXX, ( 3 ) XXXX
Consumer complaint received 2019-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX  ; XXXX  and Transunion are failing to report me as an authorized user on the XXXX XXXX   partial account number XXXX. ( Please see page 2 of the attached credit report. ) I have contacted the ( 3 ) bureaus to add this to my credit report, however I have not been successful. Please add me as an authorized user on this account.
Consumer complaint received 2022-10-14
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 (MI)

We filed 2 disputes with Capital One back on XX/XX/XXXX. One with credit card ending XXXX for {$2200.00} and one with credit card ending XXXX for {$12000.00}. These charges were for an upgrade to our timeshare membership on XX/XX/XXXX. However on XX/XX/XXXX, ( XXXX XXXX XXXX ) breached our contract by cancelling reservations for XX/XX/XXXX & XX/XX/XXXX in which we signed an addendum to our contract on XX/XX/XXXX stating XXXX XXXX XXXX would not cancel any reservations we had made prior to that date, but they did anyway. So we are requesting our money back from XXXX XXXX since they breached contract in which we have all documents stating they breached contract. We forwarded over 100 pages of documents to Capital One for each dispute listed above. I have called every week/daily since they received documents for updates, and we kept getting the answer, " we are working on it ''. I have called and spoke to multiple supervisors, & head supervisors and we have been told multiple stories of what is going on and why they have not contacted the merchant yet. It has been almost 8 weeks ago since we submitted the case and every time I have called, they said they have all they need to submit to merchant, but it has not been done. Today when I called for an update, they told me that we need to contact a random timeshare company and get a second opinion. We are completely exhausted with them telling us something different for each call. Now we need to call a random timeshare company and get a 2nd opinion and they are just telling us that after 8 weeks and multiple calls to Capital One inquiring about our dispute. They have in no way helped us out at all. We were scammed by this company in XXXX and we have never filed a dispute but never thought we would be treated this way. Please help us!!
Consumer complaint received 2022-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX, I have made a check deposit of XXXX into my capital one 360 account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I got paid in a check and made a deposit. It says its in my available balance. But capital one says i cant withdraw my funds. Ive been in contact with them with this issue and i also gave them the number of the person who wrote the check and they insist that its not her number. I really need those funds because i am on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was counting on that money just to have a XXXX XXXX XXXX XXXX Please help, i also had my name changed and they cant even help me with that. If this is clear please make the check payable to XXXX XXXX
Consumer complaint received 2023-07-27
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. (PA)

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 2019-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

I have been dealing with a fraudulent account situation which began on XX/XX/2019 for two full weeks as of today XX/XX/2019. I was alerted by the establishment after the account was negative. I responded to the alert via the telephone bank representative. After conversing with the representative I visited the local branch. The representative of the local branch informed me that the account was placed into a negative status because of three checks that were fraudulently deposited. I placed a claim and it was denied. The investigation concluded that is was valid do to the use of my pin and card. I went a step higher and spoke with the representative at the executive office. Upon their investigation the conclusion was deemed as valid also. I expressed to the local branch as well as the executive branch the thief has no regard for integrity. He or she does care that there is microchip for the purpose of identification nor my pin has been hacked by following the pattern. I have contacted the Federal Trade Commission also currently awaiting a response. All other precautions have been taken ranging from freezing my credit reports to contacting the Consumer Finance Department.I am seeking all avenues to get this matter resolved.
Consumer complaint received 2021-06-16
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. (IL)

I've sent multiple disputes to all the credit reporting agencies for personal information being reported incorrectly, collection accounts not being verified after I asked for documentation via mail, payment history not being updated after I had correspondence with the company to correct inaccurate information that they were reporting to the credit bureaus, and disputes for inquiries I did not authorize. 
XX/XX/2021, XX/XX/2021, XX/XX/2021, I sent a fourth set of dispute letters but can't locate the receipts.
Consumer complaint received 2021-06-16
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. (MD)

On XXXX, I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-07-16
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 went to a credit counseling class because I wan na better my future and what better way to start than with my credit. So after checking my credit report again I was shocked to see items that there are items on my credit report that are not mine on my credit report. I have reached out to the FTC and to my local police department, and I am doing this on my own behalf. Again these items listed are not mine and need to be removed from my credit report.XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX. XXXX XXXX.
Consumer complaint received 2022-07-25
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. (GA)

On XX/XX/2022 I briefly went over my credit report. I see a lot of unauthorized things reporting on my credit report. I recently had everything stolen from me. I filed a police report, and the documents is in the attachments. FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 ) THE CREDIT BUREAUS YOU MUST FOLLOW THE LAWS.
Consumer complaint received 2022-10-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

Upon reviewing my reports, the incorrect accounts was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX Balance Owed : {$910.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$6000.00} ; XXXX XXXX  XXXX Balance Owed : {$970.00} ; XXXX XXXX Balance Owed : {$110.00} ; XXXX XXXX Balance Owed : {$46.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$36000.00} ; XXXX XXXX XXXX Balance Owed : {$3400.00}
Consumer complaint received 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

COMPLAINT ON ALL CREDIT BUREAU 'S REQUESTING why my credit score dropped 47 to 51 pts in a few days after paying off one debt ( XXXX XXXX XXXX, XXXX, KS ). 
I ALSO want to know why our accounts are still on my credit report that were listed on my bankruptcy back in XX/XX/2021 Ch XXXX. I understand our bankruptcy is noted that we filed and stays on our credit report for 10 years. But, the debts listed on the bankruptcy should be WIPED CLEAN from our credit report since the bankruptcy is listed. 
SINCE our bankruptcy and building our credit, ALL debts have been paid on time, paid off, and no collections which makes our CREDIT SCORE higher and should be in the 700 's, I would think. 
I ALSO have a question about CREDIT BUREAU 'S being able to up credit scores by joining CREDIT BUREAU 'S web sight program and get a higher score. There is something wrong with that type of program, having to pay each month to be in their program and to get a higher score.
Consumer complaint received 2021-06-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Adler Wallach & Associates, Inc. (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2019-07-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: World Acceptance Corporation (KY)

On XX/XX/XXXX I opended an installment loan with WFC, after several months of making on time payments, I lost my job and fell behind. On XX/XX/XXXX a {$590.00} payment was made, then I fell behind again and the account went into a charged off. WFC continues to report charged off balance of {$780.00}, but the past due amount is increased each month? I do not understand how this is possible, to raise the amount I need to pay to fix this each month and report it on my credit file.
Consumer complaint received 2019-07-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (LA)

2 charges were withdrawn from my checking account not authorized by me from my USAA checking. 1- XXXX XXXX for XXXX  dollars an XXXX-XXXX the same day. XX/XX/2019 USAA also removed XXXX from my account an reversed the XXXX Credit overdrawing my account. Ive also been put on a 6 month probation period whereas every deposit made have to wait 7days to clear. I mobile deposit frequently an the funds use to be available immediately : I Been WRONGED an need help to get back my money. My Identity was stolen an Ive contacted the 3 credit bureaus
Consumer complaint received 2019-07-16
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)

XXXX and Transunion are incorrectly reporting me as an Authorized User on the XXXX XXXX XXXX - partial account number XXXX. ( Please see pages 4 and 5 of the attached credit report. ) I called XXXX XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX  however XXXX and Transunion have not removed this from my credit report. I have contacted the two bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2018-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION (MO)

While XXXX on XXXX XXXX in Puerto Rico, my roommate stole my laptop, cell phone, and credit cards. She access multiple accounts, including online banking, XXXX, XXXX, XXXX, XXXX, and multiple other accounts. I have contacted the banks and the website accounts via email or private messaging. Most companies were quick to recognize the abnormal purchasing pattern and locked my accounts down to prevent further use or attempted fraud. Unfortunately, XXXX does not engage in preventative measures, and allowed a stolen credit card to be used on my account to make approximately {$1900.00} in unauthorized purchases. Investigation is completed by XXXX did indicate that the charges were abnormal and likely to be fraud. Regardless of this discovery, XXXX is refusing to issue a refund because of a few minor and singular accidental purchases over the previous four years. 

Other Banks involved, including XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX, recognize that the credit cards were being used on websites rarely visited and purchases not normally attempted. XXXX, XXXX, and XXXX also recognized that attempted purchases were outside my normal pattern. Each of these Banks and companies froze my cards and my online accounts to prevent further fraud or attempted fraud. Upon recognizing the fraud after returning from Puerto Rico, these Banks and companies were quick to resolve the issues XXXX issue re-establish my accounts. XXXX and Navy Federal Credit Union failed to recognize and prevent the fraud that was so blatantly obvious to every other company.

In addition, multiple attempts to contact Navy Federal Credit Union VIA mail has resulted in no response regarding the fraud or investigation.
Consumer complaint received 2020-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (PA)

Carrington Mortgage Services claim I did not pay my XX/XX/2020 mortgage payment even though a hard copy check was mailed to them XX/XX/2020 in the amount of {$540.00} and my XXXX XXXX XXXX statement clearly shows the money was withdrawn out of my account. According to customer service it is up to me to provide proof I paid and until then I will receive a late fee and will have a negative report sent to the credit bureau on XX/XX/2020. XXXX XXXX XXXX shows the check posted XX/XX/2020. I printed out my XXXX checking account statement and faxed it to them as proof as they requested. Also my XXXX account says " No image is available for this check because it was processed by the merchant as an electronic transaction '' and provides a check number and tracking numbers. Apparently this is now not good enough proof as I have been calling Carrington Mortgage Services daily and am told I have to get an image of the actual check. I requested XXXX customer service to do further research and try to find a picture of the check or at least more details. They stated this could take up to 2 weeks and they can only mail it to me. In the mean time my credit will be affected.
Consumer complaint received 2020-12-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. ()

On XX/XX/2020 a wire transfer was initiated from my account in Citibank USA to my account in XXXX in XXXX XXXX. To this day, the funds are not available in the XXXX account. 
I have been in contact with both, XXXX branch in XXXX XXXX and with Citibank. They provided no solution yet. 

I am both the sender and the recipient. 
Last month, I claimed a reimbursement to Citibank and their answer is that the funds were made available to the recipient by XX/XX/2020. 

Looking forward for a positive solution on this matter.