davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2022-02-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

XXXX : XXXX was looking for a small loan in the amount of {$2500.00} to help my children and I until I receive my taxes I entered my information such as name, dob , address, and loan amount in a few lending websites which of course directed me to third party sites. A few numbers started calling me about being approved and texting my number. One particular company who disclosed them selves as XXXX XXXX located in XXXX, IL continuously called and texted my phone XX/XX/XXXX from XXXX stated the loan amount would be $ 2000 monthly payments would be {$100.00} initially did not talk to them anymore until XXXX XXXX kept calling me on XX/XX/XXXX. I text the number back because I had multiple missed calls from them that number was from XXXX XXXX XXXX stating he was reaching me about my requested loan amount I told him I was at work and would call him back. After picking up my son from daycare I proceeded to call XXXX XXXX we discussed the loan options {$2000.00} or {$6000.00} he stated both repayment plans would be {$100.00} taking out the XXXX of each month had me verify my info and gave me a loan number XXXX, his name and contact info he said his account manager would contact me and please dont miss the phone call. The account manager called from XXXX as XXXX he asked me to verify my info and read out my loan number explained to me that my payments would be {$100.00} a month coming out on the $ XXXX of each month he then sent my a website to put in my bank account information from there he kept saying I have to XXXX the tic myself to make sure it was not fraud he would deposit a check in my account and I would return the funds so they could know it was my and Im not a scammer, he had me do this several times from cash app, but on and gift card as I grew more suspicious I asked him he stated they were private company and if anything happen they would pay all fraud charges to my bank. It was too late on my end I contacted my bank USAA telling them I have been possibly a victim bank fraud, but the decision was already made to close my account I have been a member of USSA bank account for many years and have never had anything like this happen to me I asked what could actually protect me there wasnt much solution. This company in fact called me back this past Tuesday XX/XX/XXXX for what reason I do not know the damage has been I have kids to feed and this has left my with NOTHING, behind on bills and etc
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Verisk Analytics Inc (FL)

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-03-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (CA)

it is a online romance digital scam, the guys posts hiring ads on XXXX Then he starts to build a relationship with me to gain my trust. I have wired money from bank of America to a legit Crypto.com, then from Cypto to a fake XXXX XXXX. 
This is the scam site. 
XXXX XXXX XXXX I have lost {$80000.00}, later on XXXX XXXX has confessed to me about the scam, but he says the only way I can get my money back is to introduce more rich people to him. When I have rejected him, he blocked me completely. I have contacted the international anti scam alliance. We figured out he is currently in XXXX XXXX.
Consumer complaint received 2022-03-18
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

It has been 60days and I have not received my results back from the credit reporting agency. This action is grounds from immediate/prompt removal/deletion of all disputed items on my consumer report.
Consumer complaint received 2023-09-23
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc (LA)

I sent money from my chime account to someone via XXXX XXXX in the amount of {$600.00} on XXXX XXXX to purchase a product. This person accepted the cash app and later sold the product to someone else and did not return my money. I have spoken with representatives at chime and XXXX XXXXXXXX  only to have my disputes denied by chime. Representatives at XXXX XXXX said that my money was refunded back to chime on XX/XX/2023 and I was also provided a confirmation code for the refund from XXXX XXXX. I still have not received a refund from Chime or XXXX XXXX
Consumer complaint received 2015-11-18
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO. (CT)

I have XXXX credit cards with Chase Bank. In the past 2-3 years I have sent well over {$600000.00} using their cards. From the very beginning of using their cards, I have never been late XXXX single time for a payment during any month. When I make payments, it is usually in thousands of dollars done XXXX or XXXX or 4 times a month. They say I am a very good customer and thank me for making them so much money as a good customer. As they make their XXXX % on my balances, at the same time they are reporting to the credit reporting agencies that I am a risk of missing a payment and the reporting agencies have labeled me as a very poor credit card risk with a very poor utilization since I use so much money. They rate me very poor and this reflects in a lower credit score of about XXXX. With a score that low many underwriters take my application for growing my business and deny me the opportunity to borrow money to make more money. The credit card companies would like me to use not more than 15 % of the limit showing I am worthy, but then I ask what is the point of having a credit limit, especially if I can utilize that {$15000.00} limit and make those payments with no lose or risk to them. It appears the banks have it both ways in that they make a ton of money off me, get paid, never chase me for money and tell all creditors I am not worthy of any additional credit. What the banks and the credit agencies do not even consider is my mrtage payments monthly are about {$9000.00} a month and I have not been late in the past five years with any payments. The characterization of the credit card agencies does not give an accurate profile of what I can afford in a monthly payment. If you look at the payment history of my profile, not only do I make the monthly credit card payments, the mortgages, the loans and when all monthly payments in my life are totaled they approach {$30000.00} a month. BUT, the credit reporting agencies are telling everyone that looks at my credit that I am a poor risk because I utilize my credit with the banks. Since the banks are in business to make money, and they do make money off of me, how is it fair they can also tell any creditor who looks at my profile that I am a very poor risk. This is wrong, everyone I speak with tells me this is wrong and yet in the banks and the credit agencies continue to demonize me financially and should not be allowed to do that. I can not refinance anything or borrow any money due to the erroneous profile of the banks and the erroneous profile the credit reporting agencies give me. I am livid they have the power to get away this this sham and what makes me even more angrier that no bank will answer my concerns and credit reporting agencies use the rhetoric of " we only report what we are told ''. The XXXX agencies should be investigated by the government because XXXX out of every XXXX people will all say what they mess they make of their lives.
Consumer complaint received 2023-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (TX)

Synchrony bank is charging me {$50.00} for a gift card I did not receive. I have explained the problem to different people at Synchrony They write me generic letters. First that they need up to two billing cycles to investigate. Second letter gives me 20 days to provide evidence that was already provided or complaint will be disregarded. I am lead me to believe they do not know what is going on at all.
Consumer complaint received 2023-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-04-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NY)

Cashapp denied refund request after I claimed transactions were fraudulent. I was told that they would show me the documents that resulted in their decision. They shut the case hours after I made it and the document I requested they send had nothing to do with my account. When I called they had no documentation pertaining to my case to give me. I was told that they made an error in my request and they would send the correct document later. This makes me believe that they closed my case without so much as an investigation. Then they finally sent me an email with documentation pertaining to my case and all it was was a screenshot of the three transactions that I claimed were fraudulent. That proves nothing!
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (FL)

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2024-03-30
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FC HoldCo LLC (TX)

On XX/XX/XXXX I executed a note and security agreement with Flagship ; I received my first statement on XX/XX/XXXX and have paid as agreed for the life of the loan. 

Flagship Credit has failed to report the tradeline whatsoever to any of the 3 major consumer reporting agencies. 

This causes me demonstrable harm as a consumer as this directly impacts my ability to access preferential consumer credit, increases my insurance rates in the State of Texas, and increases my overall finance charges in other obligations. 

Researching the numerous public complaints to the CFPB, reviews on public aggregators, and the XXXX  show Flagship does have a history of reporting to CRAs but fails to so for many consumers. 

By positively establishing they have the ability to report and showing pattern of reporting for some, it suggests they lack a robust internal process to do so and thus as consumers we are harmed as a class by their negligence in what is a standard & expected industry practice the regular and accurate reporting of a consumers performance on consumer credit products. 

Lastly, by failing to report accurately and timely information, Flagship is perpetuating a predatory system of consumer lock-in as attempting to refinance away from them becomes much more difficult when prospective vendors are unable to verify the account on a consumers credit report. This is grossly magnified since to refinance there must be demonstrable consumer benefit, the lack of reporting deprives consumers of the positive credit history they might use as a basis for favorable loan terms. Thus a consumer is burdened against refinancing away on 2 fronts : lack of positive credit history to provide a demonstrable benefit & administratively hindered by lacking the reporting basis to allow other lenders to review the tradelines performance I attempted internal remediation on XX/XX/XXXX however Flagship gave themselves 30 business days to respond which is an excessive and burdensome timeframe.
Consumer complaint received 2022-12-16
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. (WV)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

US DEPT ED : # XXXX DP OF EDUC : # XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX DPT EDXXXX : # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2018-07-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Trident Asset Management, L.L.C. (PA)

This {$28.00} they have me owing, was part of XXXX which I paid in full and there is no longer any debt owed to XXXX or this XXXX $ fromTrident. Its messing up my credit report And I dont know how to get it off or fix it. Please instruct me on how to eliminate this from being on my credit thank you
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

I have had XXXX XXXX XXXX XXXX account XXXX. That's been reporting over 6 years now that I have 6 late payments dated back in 2018. This account was opened FRAUDULENTLY in my name. I discovered that a roommate deliberately opened this account in my name. Only to prevent me from getting approved for a VA home loan. I found out that I was declined at the last moment of closing. I then ended up in a VA shelter where I lived for a year until I got into my own apartment. 
I file the police report with Experian at that time and I even had a fraud alert times extended was added. 

This account should not be on my Experian credit profile. I ask that you please remove it immediately. So that I can get the VA approval for a home.