davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-12
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. (CA)

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 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 XXXXXXXX has violated my rights. 

XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : 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 XXXX 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 2022-12-12
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: JPMORGAN CHASE & CO. (CA)

In XXXX  of 2021 I had transactions exceeding {$5000.00} on my credit card. I called Chase to report these transactions and they offered me a refund. They asked if I knew a certain person by name. I explained to them that this person was a friend of mine. They later added the charges back on my account. No one explained why. When I called them, they said these transactions were done by my friend and they won't be refunding them. I explained to them that I didn't share my information with my friend and that she stated she doesn't know what these transactions were. 

I later filed a police report per their instructions and called them in XXXX, XXXX, and over 6-7 times in XXXX and XXXX. I submitted a copy of the police report. I asked them to provide a receipt from the merchants for these transactions or camera images to confirm It wasn't me. 
They reported me to XXXX XXXXXXXX XXXX and sent someone to make sure I wasn't being abused because of my age. When they told me they did that, I explained that I'm fully aware of my finances and at no point shared my credit information with anyone. They sent me the same letter over and over saying the case is closed unless I provided " more information " but at no point did they share what information they needed. 

I lastly called on on XXXX and spoke to a supervisor in their escalation department and asked her to share what they are basing their decision on? Also asked her to provide me the communication they received from the merchant that made them close my dispute. She said she would Call me with all their findings in a few days. I received a call today saying my case is closed with no further information. 
They failed to protect my information and allowed someone to either copy my card information or steal my card without any verification on their end. They then denied my dispute and refused to refund me for unauthorized transactions. 
They then filed a claim saying I was abused because of my age. They clearly are taking advantage of me because they think since I'm old, I have no knowledge of my spending.
Consumer complaint received 2016-09-07
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION (FL)

Navy federal put hold on {$2000.00} of my SSI partial pymt ( lump sum ) on Saturday after releasing it early on XXXX XXXX 2016 rather than the XXXX of XXXX. 


I have a bill of XXXX ... I make monthly pymts on my secured credit card with them ( Navy Federal ) They claim that my deposit I put up for secure pymt on credit a year ago was n't received ... which they confirmed a year back that it was. SSi deposited my regular monthly pymt and a day later part of my 'lump sum ' ( {$2900.00} ) in my credit union savings account. The secure credit card department of credit union put a hold my SSI lump sum.They did n't send a letter or call me to inform me of this. When I called after noticing the money missing from account..I was just told it was being put on hold.I was told this was an illegal action..what can I do?
Consumer complaint received 2022-12-12
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. (TX)

I am a victim of Identity theft. This is my official statement about the crime. 
Contact Information Personal Statement Accounts Affected by the XXXX XXXX XXXX XXXX XXXX XXXX FTC Report Number : XXXX First Name : XXXX Last Name : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX Phone : XXXX Email : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 Theft Company or Organization : Total fraudulent amount : {$0.00} Accounts or Charges Yes, fraudulent accounts or charges appear on my credit report Credit Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Under penalty of perjury , I declare this information is true and correct to the best of my knowledge.

I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 
XXXX XXXX XXXX XXXX XX/XX/ Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police.
Consumer complaint received 2021-03-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX. XX/XX/2020 I noted via my XXXX XXXX credit monitoring account that my XXXX account was all of a sudden being reported with the incorrect amount of years for the account being opened. 

2. I filed a dispute via XXXX XXXX credit monitoring system requesting that the XXXX account open date be corrected to reflect the correct open date 3.Trans Union DELETED the account without investigation. See attached investigation letter solidifying that no effort was made to verify and correct the account with XXXX 4. I contacted Trans Union as to advise I didnt request removal of the account but rather correction and was advised to contact XXXX XXXX. I contacted XXXX who investigated and re-reported the account to all 3 major credit bureaus. 

6. Despite the many attempts of XXXX to get Trans Union to show the reporting on my credit file, they continue to refuse and stating as its reasoning that as a policy they automatically remove because disputed authorized user accounts forever. 

As a consumer, I did not request the account to be removed from my credit file. I simply requested that the erroneous information be corrected. 

This is an account that my parents added me to more than 20 years ago to help establish my credit history and over those years I have maintained a stellar history. 

Trans Union removal of this account as supposed to correction as requested has tanked my score by 23 points because I no longer have the 20 year credit history reporting on my credit reports
Consumer complaint received 2023-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (IL)

I deposited {$800.00} in cash of XXXX {$20.00} bills the machine turned off, recycled and then turned back on showing right now this atm can not operate on XX/XX/2023 XXXX ; XXXX ; XXXX XXXX  at the XXXX XXXX XXXX XXXX, XXXX XXXX, Illinois XXXX, I called the number on the atm and took pictures of the atm, spoke with XXXX at XXXX received a claim number XXXX and them was transferred to another agent and was told the funds would be available until an investigation was completed, then i was informed of a fee reversal. I asked if they could review the video of my transaction and was told they could not. Chase atm stole my {$800.00} cash deposit. Please advise. Thank You
Consumer complaint received 2023-08-06
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pollack & Rosen, P.A. (FL)

Back when I was in college I was misguided and took private student loans through XXXX XXXX XXXX. This was over 20 years ago. I fell into financial hardship and was unable to pay the loan. I did try working with the company and offered to pay something, but the company refused. The company filed a lawsuit which dragged in court for 10 years or more, looking at the loans the statute of limitation is passed. These loans along with other private student loans were XXXX in bankruptcy. XXXX XXXX forgave my loans but XXXX XXXX XXXX continued to come after me. 

On XX/XX/XXXX, the judge granted a judgement. At this point I had given up and had no argument. Plus, I hired an incompetent attorney who had no clue what he was doing. I couldn't afford to pay him anymore and I fired him. I filled out whatever paperwork they needed. I was ordered to pay I believe was a little over XXXX plus court cost. I noticed the paperwork asking if I was head of household which I am. Section 222.11 of Florida Statutes states that a creditor may not garnish earnings that include wages, salary, commissions, and bonuses payable to a debtor who is head of household. 

On Monday XX/XX/XXXX, I received a at XXXX PM I received a call from a company called the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I was working at the time and couldn't answer but returned their and spoke to someone by the name on XXXX XXXX at extension XXXX. I am doing whatever I can to put this behind me, so I wanted to hear what the agent had to say. She said they were willing to settle this debt with me due to a promotion they are running. We can settle for up to XXXX XXXX  I told them to give me a few says so I can speak to family in attempt to get this money. She put me on hold stating she was going to speak to the wage garnishment department. At that point I was confused. How am I head of household, and they are garnish my wages. She advised that the company was in process of filing for wage garnishment through my employer. I proceeded to ask the agent if the loans she is talking about was including the XXXX. She answered no. AT that point I questioned the legitimacy of the call because if I was ordered to pay back XXXX. According to what she is telling me the company is trying to charge me over XXXX. Something about this whole thing does not sound right because I had one of those cases/loans dismissed by court some time in XXXX. I am currently paying all of my household bills and providing care for my wife and three children while she is looking for work. I am in and out of the hospital, my most recent stay due to a XXXX XXXX. I can not afford my hospital bills let alone this debt that it seems the agent is tacking on more money that I owe. I would think that they would not use intimidation tactic and add money being that this is a law firm and we are working with a court order.
Consumer complaint received 2022-08-05
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: Experian Information Solutions Inc. (GA)

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. 
Here are the ITEMS that needs to be removed in my file : Inaccurate Inforrmation : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX  XX/XX/2022
Consumer complaint received 2015-07-01
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Case id XXXX bank of americalast four : XXXX had a credit of {$190.00} on my account. I closed the account. The allegedly refunded me XXXX but only refunded me once {$190.00} ( once through ACH and once through check ). I never got the check. Because, BOFA alleged that they refunded me XXXX, they put a balance of {$190.00} on my account affecting my credit. Everytime I call BOFA, they tell me that I am correct, they never send me the check and give it 3-5 business days to correct but it has been 2 months and it never got corrected. 

To avoid affecting my credit rating, I paid them {$190.00} for the XXXX illegal charge. Now BOFA owes me {$190.00}
Consumer complaint received 2022-12-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (TX)

Lost debit card called for a replacement it's been almost XXXX months and I have not received my card. I spoke with several different supervisors I have been told many different lies. They have expressed my card more than once was told I'd receive it withing 3-5 business days I never received my card. I asked for a tracking number so I could track the card I was told they couldn't give me that information they did not have access to it I had to email chime support. I have tried to log into my account online several times but it's saying they dnt recognize my email address I called chime to ask about that I was told they could not find my account. They can not give me any information about my account that I have had with them for years. So now I'm just stuck with no information on if my account is active or not and dnt ha e any information on how to access my money.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (FL)

I contacted Wells Fargo, who told me to contact the credit bureau when i told them the information reported is incorrect. This account was paid in full 2021 XXXX. I paid this account in full while i was in XXXX XXXX in the military. I paid over {$500.00} then my mom later told me she had a letter with them attempting to settle for {$220.00}, when i already paid in full.
Consumer complaint received 2022-12-12
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. (VA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe depression and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2023-08-01
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: EQUIFAX, INC. (MD)

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific items 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  NV XXXX XX/XX/2023 XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$170.00} XXXX XXXX  XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$2900.00}
Consumer complaint received 2022-12-12
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)

hey please remove this account I know you will understand me in this situation this is becoming a frustration to me. Please be deleted before 30 days If you do not respond within this time period, Thank you for your time. Hoping that I could get some favorable news after this investigation.
Consumer complaint received 2023-07-26
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. (MI)

After reviewing my credit profile on XX/XX/2023 I identified a discrepancy with the accounts listed. I have not received validation for these accounts as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a XXXX validation letter was sent out on XX/XX/2023. Equifax is saying the accounts XXXX and XXXX XXXX, and XXXX are my accounts I stated they were taken out frequently. I have asked for supporting documents to be mailed to me regarding the contract. They have failed to do so. XXXX came back stating XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX is mine these are fraudulent accounts I have asked for supporting documents they have failed to send them to me. XXXX stated XXXX, XXXX are my accounts. They all have failed to submit the contract with my signature and current address. I did not take these loans out at all. They are in violation of FRCA Fair Credit Reporting Act code 15 U.S.C 1681 ( E ) and my privacy rights as a consumer. Please strike and remove these accounts from all XXXX credit bureaus until adequate validation has been received providing that the accounts belong to me and all information is correct.
Consumer complaint received 2016-07-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Transunion XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Pervious deleted items were add back to credit report without written notice. Which is against the FCRA section 611.
Consumer complaint received 2022-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (MO)

I was denied an extension of credit from Discover which is unlawful and a violation of my consumer rights in accordance to : 15 U.S. Code 1681b ( 3 ) ( a ) - Permissible purposes of consumer reports, ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 12 CFR 1002.4 General rules.

( a ) Discrimination. A creditor shall not discriminate against an applicant on a prohibited basis regarding any aspect of a credit transaction.

15 U.S. Code 1691 - Scope of prohibition ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter.

16 CFR 433.1 Electronic Code of Federal Regulations ( e-CFR ) Title 16 - Commercial Practices CHAPTER I - FEDERAL TRADE COMMISSION SUBCHAPTER D - TRADE REGULATION RULES PART 433 - PRESERVATION OF CONSUMERS ' CLAIMS AND DEFENSES 433.1 Definitions. 
( h ) Credit card issuer. A person who extends to cardholders the right to use a credit card in connection with purchases of goods or services.
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

XXXX of my accounts with the student loan servicer, XXXX, is incorrectly reported on my credit reports. Between XX/XX/XXXX to XX/XX/XXXX, these accounts are listed as 90 days or 120 days late on my credit report ; meanwhile they should have been in deferment. Ive filed a claim with the servicer in XXXX and XXXX. On XX/XX/XXXX and XX/XX/XXXX, they determined that the information will remain the same, even though it is inaccurate. They also failed to provide evidence that proves or substantiates the inaccuracies, or any copies of the documents they used in their investigation. For the third attempt, I have sent them a notarized letter on XX/XX/XXXX listing all accounts that were affected, with a copy of my credit reports from the three bureaus.