davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CO)

On XX/XX/2020, I attempted to request the removal of my " credit freeze '' with Experian and was not able to due to incorrect pin. 

Therefore, I was directed on the website to send documents that verify my identity with a request to remove the freeze from my report. The site stated it would take 3 business days to remove. 

I sent the requested documents and information via 2-day priority on XXXX and confirmed their receipt on XX/XX/2020 at XXXX at their designated site. My package was signed by XXXX. 

As of today, my credit continues to show a " credit freeze '' and I am not able to apply for a mortgage loan.
Consumer complaint received 2017-08-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (NY)

PayPal has been harassing me non-stop over the last year with constant methods of trying to steal my money in addition to their exhorbitant processing fees they charge ( 30 % versus regular 1-2 % by merchant services ) because they say their internal security model is so superior they say. However for no reason and out of the blue today I got an email that says their going to seize a huge portion of all my credit card transactions to " build up a reserve '' even though I 've never had a chargeback against me and I 've made them a ton of money in fees over past 1 year. Please investigate them aggressively and get this nonsense off of my back.
Consumer complaint received 2020-11-18
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: JPMORGAN CHASE & CO. (CA)

I've never had cc with Chase there on my XX/XX/XXXXit seems like Chase and XX/XX/XXXX are in couhotes together also on myXX/XX/XXXXXXXX shows I have 13 late payments never been late and XXXX XX/XX/XXXXshows 1 late payments never late
Consumer complaint received 2023-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (FL)

We wrote a check to one of our vendors in the amount of {$1200.00}. on XX/XX/21. This check was intercepted and washed, the name of the payee and dollar amounts were removed and the check was altered to {$14000.00}. to a persons name. We filed a claim for Fraud on XX/XX/21, and to date Chase has informed us XXXX XXXX XXXX is investigating the claim and they are awaiting XXXX response. XXXX has been investigating the claim for over 1 year now, I don't know who is giving me true information because XXXX will not update me and Chase really doesn't either. I am being told it is still under investigation, I think there has been enough time to investigate, we really would like to have our {$14000.00}. Refunded.
Consumer complaint received 2017-08-07
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 — Problem with personal statement of dispute
Company: CITIBANK, N.A. (NY)

I paid off a Macy 's credit card in XXXX of 2014 and received a paid-in-full letter thereafter from Macy 's  attorney. It was a settlement that Macy 's agreed to and signed to in front of the judge when i fell on hard financial times. I have proof that I paid every red cent agreed to. Since then, 3 years later, Macy 's in conjunction with XXXX ( they merged ) have reported to all XXXX credit bureaus that I am late every month to this day. I am constantly disputing this fact with PROOF to the XXXX credit bureaus, Macy 's credit and XXXX, however I am told that internally, Macy 's and XXXX do not communicate with each other. When the credit bureaus try to question them, they claim I owe {$380.00} to this day. As a result, I have been denied credit, or charged on average, 4 % more interest rate to lease or purchase anything. I have written letters and made calls with escalations for 3 months now and Macy 's constantly denies THEIR OWN paid in full letter. I spoke to Macy 's attorney who claims, they must accept the proof I submitted to them. They do n't. Various people at XXXX as claim they had an internal problem with account numbers ; another told me the 2 company computers do not communicate ; yet another told me, this is happening frequently and yet another said, this amount of {$380.00} was supposed to be written off by Macy's/XXXX but was not ; an internal mistake that is costing me thousands and lots of heartache. Please help me!
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Experian is still up to the same old tricks and scams. My XXXX XXXX credit card account is showing that it has a balance and is over the limit. But it doesn't. The account is paid in full and has no balance. It is actually less the XXXX, because it has a small credit balance in my favor. Despite providing Experian a letter from the furnisher verifying this fact, Experian completed and closed the investigation by " verifying '' that the outdated and inaccurate information was true and correct when it is false and inaccurate. Maintaining accurate credit reporting is critical to scoring and relationships, so I find it deplorable that despite this, Experian, upon " verifying '' and closing my investigation, proceeded to immediately send me an " alert '' that my report, as of today, is reporting my credit limit exceeded for this account! I received similar alerts from my credit monitoring. What good are these alerts and monitoring tools if Experian isn't effective at correcting irregularities. Separately, I spoke with the bank ( furnisher ) and based on their policies, they refer back to the credit bureau. " There is nothing else we can do beyond providing you an account status letter. We update monthly and anything in connection with reporting must be directed to the credit bureau. You may be able to file a dispute. '' In sum, my credit report is falsely reporting an account balance and I am getting the proverbial run around.
Consumer complaint received 2017-09-14
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 trying to contact XXXX and the companies involved about these inquiries on my credit report but im not getting anywhere.When someone open an account in my name it was XXXX, XXXX or Experian job to see the red flags. I have XXXX inquires with XXXX and I 've called over and over to have them remove but lately because of their breach. I cant seem to get anyone on the line. Anyways I 'm writing again to let someone know that the following inquiries were not made by me ... 

XXXX XXXX from XXXX XXXX, XXXX XXXX Bank XXXX from XXXX XXXX, XXXX XXXX Bank XXXX from XXXX XXXX, XXXX CredcoInquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Bank XXXX from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Bank XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Bank/limited Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Mrcus Inquiry from XXXX XXXX, XXXX
Consumer complaint received 2017-09-08
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. (TN)

My data was compromised in the 2017 hack of Equifax. Hackers have access to my personal information including, DOB, SS #, Address, and other identifying information that could be used to open accounts in my name.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2017-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Flagstar Bank, N.A. (MI)

On XXXX XXXX 2017 at XXXX, I deposited {$1200.00} into the ATM machine of Flagstar bank in XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX , MI XXXX - in an effort to make a deposit into my account.
The machine said there was an error and returned my card and none of my cash back to me.
The machine was then placed unavailable and the screen said it was down.
I went into the branch office and told them what happened, they said they would call me at some point when the ATM technicians arrive to fix the problem.
I got no official paperwork verifying this complaint.
My account shows no deposit into my account in reference to this attempt to deposit cash at the ATM machine.
My checking account number is XXXX In a phone call where I complained about this to Flagstar bank the customer service agent gave me Reference number of XXXX  with respect to the phone call.
I made 4 deposits, XXXX XXXX dollar bills XXXX XXXX dollar bills XXXX XXXX dollar bills and then : XXXX XXXX  hundred bill, XXXX XXXX dollar bills, XXXX XXXX dollar bills, XXXX XXXX dollar bill It 's when I made that 4th deposit that the machine seemed to get stuck.
When I went into the branch office, one employee said, the machine says bill is jammed.
Consumer complaint received 2017-08-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (ME)

Received a phone call, then was placed on hold. I was informed this is in regards to an alleged debt I am not responsible for. Also, the alleged original creditor is NOT listed on any of my credit reporting files. Note : the address mentioned in the attached letter has been updated to my current address. Current address has been in effect since 2014. Also, my credit reports are frozen, which prevents unauthorized parties from viewing my credit files without my permission.
Consumer complaint received 2021-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2021, I have sent the credit bureaus ( Transunion, XXXX & XXXX ) a letter to remove inaccurate/fraudulent information from my credit report, and according to 15 U.S.C. Sec. 1681i ( a ), they were suppose to complete this investigation within 30 days of receipt of that letter. 
Today is XX/XX/2021 and I have yet to hear their from them.
Consumer complaint received 2020-09-19
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: EQUIFAX, INC. (MA)

Hello ; How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent, and unverifiable Info. How can you honestly say that you verified as it is accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of the consumer to dispute information directly with the furnisher.

Also, the creditor was required to send me specific paperwork within a certain period of time regarding where it was sold and the balance on the account. I didnt receive this paperwork and you need to remove this account immediately.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-05-18
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. (OH)

I HAVE ISSUES WITH IN ACCURATE INFORMATION APPEAR ON MY CREDIT FILE. I HAD BEEN COMPROMISED LAST YEAR AND I WOULD LIKE THE FOLLOWING INFO DELETED REMOVED FROM MY CREDIT REPORT THE FOLLOWING ADDRESSES ARE NOT MINE PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX , OH XXXX XXXX  XXXX XXXX  XXXX , OH XXXX, XXXX XXXX XXXX XXXX , OH XXXX, XXXX XXXX XXXX XXXX , OH XXXX,
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-09-19
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Action Collection Service (OR)

On XX/XX/XXXX, I noticed presistant credit items that were not mine. I have had my identity stolen a few times ; once by a roommate I had in XX/XX/XXXX. That roommate racked up medical bills in my name, using my family information that she obtained by being a roommate with my Aunt and myself. 
Then again, my identity was stolen by a XXXX  XXXX who started giving out my personal information on XXXX, used my identity/ photos to catfis me, and gave it to his XXXX friends on the dark web from XXXX present. 
I didn't know my rights and felt powerless. 
I started reporting this activity ; whilst still getting my life on track, on XX/XX/XXXX. 
I received letter from bankruptcy attorneys and scam type calls incessantly. My friends and family have been consistently harrassed via debt collectors. 
Earlier this year, XX/XX/XXXX debt collectors found out where I live by stalking my residence and gave my information to scam- type bankruptcy lawyers. When I refused to file bankruptcy because these are not my debts ; XXXX XXXX  was the first debt collector to file suit. I was getting prepared to defend myself, as I can't afford a lawyer, when Covid19 stopped everything ( court date was for XX/XX/XXXX ). 

On XX/XX/XXXX, the credit agency Action Collections sent me a letter that they were going to pursue charges. I attempted to reach out via letter a few times to tell them to stop, that this isn't my debt and to  please stop- I can't afford food, I'm XXXX not XXXX  ( as the medical bills indicate " XXXX  '' ) and these medical bills are from malicious people stealing my identity. They did not listen. I am writing this report and sending them a third letter to please free me from this. 
Please help!
Consumer complaint received 2019-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have a closed credit card on my XXXX credit report with late payments that are negatively affecting my credit score. I did not open this card myself, had no knowledge of it, and was not aware of its mismanagement. Once i became aware of the card, i paid it off and closed it immediately. I have tried disputing with XXXX but have not been successful. I really need and would appreciate some help.
Consumer complaint received 2023-03-09
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: CORELOGIC INC (CA)

This complaint is addressed to CORELOGIC CREDCO. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.
Consumer complaint received 2020-09-19
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. (MA)

HI MY NAME IS XXXX! - i'm confused the way you're reporting this chargeoff account from XXXX XXXX XXXX with different dates of last payment, active, open, and inconsistent with account number and open date. also how can you have such inconsistencies with the payment history if you're getting the same information from the furnisher which is XXXX XXXX XXXX. Again, i'm update! Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-05-18
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. (GA)

An account has been re-inserted to my credit file after it was removed. The bureaus are also still reporting a public record which is out of date and inaccurate.These items are to be updated every 90 days with the courts. XXXX XXXX as well as Experian continue to report a bankruptcy in my previous name.
Consumer complaint received 2020-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

SOMEONE USED MY IDENTITY AND OPEN SEVERAL ACCOUNTS WITHOUT MY KNOWLEDGE AND CONSENT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA On XX/XX/2020, I mailed XXXX, TransUnion and XXXX   to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-09-19
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. (MA)

HI MY NAME IS XXXX! - i'm confused the way you're reporting this chargeoff account from XXXX XXXX XXXX with different dates of last payment, active, open, and inconsistent with account number and open date. also how can you have such inconsistencies with the payment history if you're getting the same information from the furnisher which is XXXX XXXX XXXX. Again, i'm update! Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2023-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (MD)

I am filing a complaint against TD Bank for the following reasons : - TD Bank allowed " {$500.00} '' to be stolen from my account. 
- TD Bank lied to me about their investigation. Stated that they reached out to the parties involved " cash app '', however upon following up with the involved party " cash app '', they stated that they have no record of TD bank ever contacting them in regards to my account. Therefore, TD bank did not conduct a thorough investigation on my behalf. 
- I had to open a new account with TD bank to make sure my money was secure. However, when I opened my new account, TD Credit Card Services continued to attempt to bill the closed corrupted account. Despite numerous efforts by both myself and my TD bank associate TD Bank XXXXs Software continued to revert billing to the closed corrupted account. ultimately, posting a " late payment '' notice on my credit dropping my XXXX XXXX by XXXX points. 

I have spent over 50 hours in an effort to retrieve my stolen money, secure my account, and correct TD bank 's billing mistake to fix my credit. My information and TD Bank 's documents regarding this entire process have been mishandled and lost. This should be criminal and must be brought to justice.
Consumer complaint received 2020-09-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (AZ)

BBVA has not released my security deposit {$1100.00} within the 21 business days as promised. My secured credit card was closed on XX/XX/2020 and 21 business days later is XX/XX/2020. The credit card account has a XXXX balance and all funds have been cleared. They will not provide a date therefore they are in reasonably holding my money past the agreement