davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I did some car detailing for a guy and you pay me back in checks I put it in my account later on Chase said it was a fake check so put it on hold to do further investigation so I had to wait a week. Its a week now and I still have to wait additional two weeks. They said Ive gotten three paychecks for my job and Ive not been able to assess one of them now Im starving XXXX XXXX while having over {$2000.00} in my bank account Ive called in in person just refuse to give me my money and make excuses. Starvation chase bank is reliable for XXXX XXXXXXXX  and needs to be sued for it
Consumer complaint received 2022-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently checked my credit report, and I discovered a lot of information reporting that does not belong to me along with fraudulent addresses and incorrect spellings of my name. I misplaced my purse in a restaurant XX/XX/31. Since then, I have been noticing a lot of changes in my credit score. My DL, SSCard and passport were all misplaced, i was told to file this complaint if i saw anything that does not belong to me. I have listed a few accounts in the form and i will list the additional accounts below REGIONALAC ACCT # XXXX BALANCE XXXX XXXX  ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX Please investigate this information
Consumer complaint received 2021-05-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (FL)

I attempted to find a number to call moneygram customer service and in XXXX ; under " Ways to contact us '', the phone number listed is actually for a XXXX hotline. The number is XXXX XXXX XXXX.
Consumer complaint received 2021-05-04
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. (AL)

I have contacted the credit bureaus on several occasions asking them to delete inquiries that where not authorized by me and they have failed at investigating this issue properly. Over the last nine months I have been writing XXXX  and Transunion credit bureaus about inquiries on my reports that was not authorized by me and all they send back is a letter saying the inquiries are factual records that I made,
Consumer complaint received 2018-04-06
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: U.S. BANCORP (CA)

I have had problems disputing charges on my card multiple times and today I called 3 times on XX/XX/2018 and they won't even let me dispute charges for {$39.00} that was charged to me and I'm not recognizing the charge and they just will not allow me to dispute it and this is being billed to me every month so I'm losing out on {$40.00} every month and they will not allow me to fight it I've contact the merchant who doesn't speak English and calls me XXXX which is not my name
Consumer complaint received 2018-02-05
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. (FL)

COMPANY : XXXX XXXX WHICH I HAVE NEVER HEARD OF THEM NOR THIS PROBLEM TILL IT SHOWED UP ON MY CREDIT REPORT I HAVE NEVER RECEIVED MAIL OR KNOW OF THE EVENT THAT TOOK PLACE IN THE SAME ( XXXX  EXPERIAN AND XXXX ) HAS ALREADY TOOK IT OF MY CREDIT REPORT JUST SEEING IF YOU WILL DO THE SAME THANK YOU SO MUCH BECAUSE ITS BEEN A YEAR WITH THEM REPORTING AND REMOVING DEBT OFF MY FILE.
Consumer complaint received 2020-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc. (GA)

XXXX  XXXX reported to the credit bureau that my credit card was canceled by creditor. This was not because of anything I had done. All payments have been made as agreed. The XXXX  XXXX company filed for bankruptcy and then sold the company to another dealer. Im continuing to pay my bill as agreed and have not had demands for balance in full. I dont think the should besmirch my credit by stating account closed by creditor!! It should be shown another way, as to not make me the villain. Can you please help?
Consumer complaint received 2021-03-05
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On the XXXX of XXXX, I received a direct deposit of {$13000.00} from the Department of Unemployment Assistance ( DUA ) Massachusetts for a Pandemic unemployment claim to my Bank of America account and the account was frozen and my CHECKING and SAVINGS account was closed shortly afterwards I have tried calling the bank countless number of times and visited the bank to ask them to return the money back to the Massachusetts DUA so it can be reissued to another bank but they refused. Its been almost 2 months now and the bank is ILLEGALLY holding the money and has refused to return the money back to its source. They closed my bank account and told me my contract is terminated and I do not have a say on what they do. They have been holding the money for over 7 weeks and have refused to return it back. I have spoken to the fraud department, the bank supervisors and even my branch manager and all efforts hit a brick wall. Please I need them to send the money back to the Massachusetts XXXX to be able to reissue it to my a new bank.
Consumer complaint received 2021-05-04
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: AMERICAN HONDA FINANCE CORP (FL)

On Saturday, XX/XX/2021 I agreed to lease a new Honda XXXX XXXX XXXX Honda of XXXX, FL. The terms were based on my credit score which I believed was between XXXX and XXXX based on 3 sources, namely XXXX XXXX XXXX XXXX  ( a credit card ) and XXXX  XXXX provided by XXXX XXXX a credit card ). 
When it came time to sign the papers, XXXX Honda informed me that my XXXX XXXX was actually XXXX. When I questioned the difference, they explained that they us the auto enhanced model from XXXX not the model used by other lenders such as credit card companies. 
The end result was me having to put {$1000.00} cash into the deal to make it work. 
Does this make sense to you, or are they manipulating the numbers in order to increase profit margin and charge a higher money rate? 
I certainly understand that 3 models could vary slightly for the total score, this margin and the resulting increase in cost seams excessive.
Consumer complaint received 2020-01-22
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX  is reporting I owe thdm {$2800.00} on my credit reports this is my last attempt for them to take this off my credit reports before I sue them and the agency 's reporting this account on my credit reports never made these chargrs not mine
Consumer complaint received 2022-01-11
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: American Credit Acceptance, LLC (GA)

My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This company is currently showing 30 days late for the month of XX/XX/2021 and 30 days late for the month of XX/XX/2021. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. 

AMER CR ACPT XXXX Balance : {$12000.00} ;
Consumer complaint received 2018-02-05
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)

COMPANY : XXXX XXXX WHICH I HAVE NEVER HEARD OF THEM NOR THIS PROBLEM TILL IT SHOWED UP ON MY CREDIT REPORT I HAVE NEVER RECEIVED MAIL OR KNOW OF THE EVENT THAT TOOK PLACE IN THE SAME ( TRANSUNION XXXX AND XXXX ) HAS ALREADY TOOK IT OF MY CREDIT REPORT JUST SEEING IF YOU WILL DO THE SAME THANK YOU SO MUCH BECAUSE ITS BEEN A YEAR WITH THEM REPORTING AND REMOVING DEBT OFF MY FILE.
Consumer complaint received 2018-02-05
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: CL Holdings LLC (WI)

My information includes a false " also known as '' name of XXXX XXXX XXXX and an address of XXXX XXXX, XXXX, MI XXXX both of which were added to my personal data without my knowledge. Neither the name of the address is true. I believe a debt collection co, probably did this as I have received notices from XXXX XXXX, XXXX as well as XXXX XXXX XXXX , XXXX stating that I have a delinquent utility bill with XXXX XXXX in XXXX, MI. All of the above is false, and I believe I am being targeted because of my age, XXXX years old and retired. XXXX XXXX has 1013 complaints against them from BBB and several of the complaints when read, are so similar to my situation that one has to believe that this is a scam that has succeeded. Even the same utility company is named, XXXX XXXX in several of the complaints so XXXX and/or XXXX likely bought a list of delinquent accounts from XXXX for pennies on the dollar and are now out trying to collect anything they can. Why else would the first notice offer to settle a supposed debt of {$970.00} for a quick fee of {$240.00}? How can XXXX  allow false information to be added to my profile without my being informed?
Consumer complaint received 2021-05-04
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. (IL)

On XX/XX/2021 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 im 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 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation 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 2018-02-05
Product: Credit card or 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: AMERICAN EXPRESS COMPANY (NV)

I received my direct deposit on XX/XX/XXXX for {$890.00}. I was notified on XX/XX/XXXX by a text alert that my balance was {$.00} I immediately called American Express Serve and reported the 2 fraudulent transfers {$400.00} & {$490.00} and was told there would be an investigation. I followed up with them and was told i was being declined the reimbursement because of section 15d of the user agreement ( fraudulent activity ) That is what I called to report. I received a check from American Express Serve for {$.00} with a note on the stub saying " Your American Express Serve account is now closed. As you requested. we are providing you with a check for the amount of your available balance. '' I never requested the account be closed I requested my money be returned that was fradulentlly removed. Now when I call customer NO service they have no account to pull up. Please help I litterally lived on peanut butter and jelly and the graciousness of my co workers for 16 days.
Consumer complaint received 2019-03-11
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. (NV)

I've gone through the accounts and collections displayed on my credit and I've noticed unusual activity and an ample amount of accounts that do not belong to me. Please remove these items from my credit report immediately as this is poor judgement on my credit worthiness.Attached is my Identity theft report.
Consumer complaint received 2018-04-06
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: SYNCHRONY FINANCIAL (FL)

On XX/XX/16 and inquiry was made with this bank for a Walmart card by my ex wife and without my knowledge or consent.I was unaware until i gained access of my XXXX XXXX account.
Consumer complaint received 2023-04-01
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. (IL)

This is the several time I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX AV XXXX, IL XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX Balance : {$1600.00} XXXX XXXXXXXX XXXX Balance : {$830.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : {$49.00} XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-10-26
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: Receivables Management Partners, LLC (NC)

I recently obtained a copy of my consumer report an noticed fraudulent charges. I am requesting that these accounts be removed from my consumer report pursuant to 15 USC 1692a ( 5 ) the term " debt '' means obligation or alleged, this is an alleged debt. I refuse to pay this alleged debt and I am demanding to cease and desist communication pursuant to 15 USC 1692c ( c ). I have attached a copy of my identity report and the fraudulent charges. I am demanding that these charges be removed from my consumer report pursuant to 15 USC 1681b 4 ( c ). Please investigate this matter! Also, pursuant to 15 USC 1681a ( e ) the proper way to investigate a consumer report is to have an interview with my neighbors, friends and associates. I would like proof of that. If you're unable to provide that information. I am demanding you to remove these accounts from my consumer report.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, Experian, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my XXXX Reports : EXPERIAN : 1. XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX. XXXX XXXX Inquiry : XXXX. XXXX, XXXX 3. XXXX Inquiry : XXXX XXXX, XXXX 4. XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX 5. XXXX XXXX Inquiry : XXXX XXXX, XXXX 6. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX 7. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX 8. XXXX XXXX/XXXX  XXXX  Inquiry : XXXX XXXX, XXXX 9. XXXX XXXX  XXXX : XXXX XXXX, XXXX 10. XXXX Inquiry : XXXX XXXX, XXXX 11. XXXX XXXX  XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX : 1. XXXX Inquiry : XXXX XXXX, XXXX XXXX  : 1. XXXX XXXX Inquiry : XXXX. XXXX, XXXX 2. XXXX XXXX Inquiry : XXXX. XXXX, XXXX 3. XXXX Inquiry : XXXX XXXX, XXXX 4. XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX 5. XXXX XXXX Inquiry : XXXX XXXX, XXXX 6. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX 7. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX 8. XXXX XXXXXXXX  XXXX  Inquiry : XXXX XXXX, XXXX 9. XXXX XXXX  Inquiry : XXXX XXXX, XXXX 10. XXXX Inquiry : XXXX XXXX, XXXX 11. XXXX XXXX  XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Consumer complaint received 2022-04-29
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. (NV)

I see that these accounts are adversely affecting my credit report and costing me thousands of dollars in investment every year. I sent a letter to contact these inaccuracies on XXXX This is not a regular dispute at all. I have filed a complaint with ftc and XXXX XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed now. I will not wait another 50 plus days to receive no response. I see that most of these companies are ignoring me. Section 611 simply states failure to investigate these items within 30 days gives reason to immediately remove disputed items from my credit report. It has been over 50 days so please remove it.
Consumer complaint received 2022-04-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

The company known as CHEX SYSTEMS, INC. is currently reporting inaccurate information onto my consumer credit file at the agency. This information is being reported as a result of identity theft. I have never given consent nor authorization for these institutions to access my consumer credit file at CHEX SYSTEMS , INC. The information that is currently reporting to this credit reporting agency is unauthorized and a result of identity theft. 
I have listed the companies on the attached Notice and FTC Identity theft Affidavit, including the online filed FTC ID theft report. Although it is NOT required i went the extra mile to file a police report which is attached as well. An updated report will be sent to the company once received by the Sheriff 's department. NOTE that there is no requirement for any " police report '' besides the FTC Identity theft report and that any attempt to " stall '' your duties with the excuse of not receiving a " police report '' will be considered noncompliance with Federal Law and the Fair Credit Reporting Act 15 USC 1681c-2 ( a ). I have mailed CHEX SYSTEMS, INC. the information priority overnight express through the Post office so they will receive it by end of day XXXX. Pursuant to Federal statues 15 USC 1681c-2 ( a ) I overstand that the credit reporting agency is to immediately Block and remove this information within 4 business days of receipt by the agency. I am severely distraught that my personal information has been used in an unauthorized manner and am actively taking every measure to get to the bottom of it. Once again no consent was given by me to any of these companies/institutions to run credit, conduct an inquiry or any other action in regards to CHEX SYSTEMS , INC.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CT)

Once I paid off all my account debt, my Experian Fico credit scoreXXXX actually went down instead of up like the other two credit bureaus. I can see if the difference is very small but when XXXX XXXX states my Fico credit scoreXXXX is a XXXX and XXXX states my Fico credit scoreXXXX is a XXXX while Experian states my Fico credit scoreXXXX is only a XXXX, well that is a XXXX and a XXXX point difference respectively!!!! My Experian Fico credit scoreXXXX state at least a XXXX. With such a huge difference, I can get denied credit if the company pulls only Experian. The ridiculous reason behind a decrease was Experian states and I quote, " On your previous report, you had 1 account with balancesnow you have 0, which could mean you closed an account or paid off a card you no longer use. '' This is obviously not true and unless my accounts are reported closed Experian should not assume that! So therefore according to Experian having {$0.00} balances actually can hurt your credit.
Consumer complaint received 2021-05-04
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. (FL)

ATTN XXXX  Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously