davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-23
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I called the 3 credit bureaus after I purchased a credit report with XXXX  on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was an incorrect account : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT XXXX and hoping that this XXXXXXXX XXXX XXXX Late payment XX/XX/XXXX 30 days late will be removed.
Consumer complaint received 2022-06-07
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. (NC)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Name : XXXX XXXX, has violated my rights. 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 2024-10-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: JPMORGAN CHASE & CO. (CA)

Please provide duplicate copies of 1099s for tax years XXXX ; XXXX ; XXXX ; XXXX ; XXXX. 

To intentionally provide incorrect information to investors and the government agencies is not the right thing to do. Please reproduce the other 1099s I am missing. 

Furthermore; according to the XXXX tax authority ( XXXX XXXX ) the percentage you withheld for XXXX was incorrect. please review the math ; and reproduce the 1099s that are missing. 

To cause a harmed investor ; further harm ; is the wrong thing to do. 

The incorrect percentage you withheld ; most likely not only affects me ; but the millions of US shareowners of the XXXX XXXX. If your percentages are correct please let me know. 

I have below indicated what he is saying in XXXX. 

I will not leave a toxic investment to my beneficiaries and it will be the responsibility of Chase to correct all this with XXXX.
Consumer complaint received 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Hard inquires that i did not authorize XXXX credit XXXX XXXX XXXX, XXXX credit XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX 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. Wrong information addresses XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX employer XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Hard inquires that i did not authorize XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX  XXXX, XXXX XXXX XXXX, Equifax mortgage service 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. Wrong information addresses XXXX XXXX XXXX XXXX  XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX employer XXXX XXXX, XXXX XXXX
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damagin

g my credit score and financial reputation. The inclusion of these unauthorized accounts and inquiries h
as caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (NC)

Synchrony Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Number : XXXX ] incorrectly reported late payments in XXXX and collection items on my account in XXXX and XXXX. 

Synchrony Financial XXXX XXXX turned my account over to XXXX XXXX and locked my online account so that I could no longer pay online. In the transfer to XXXX XXXX, XXXX XXXX did not provide my SSN, incorrectly changed the last digit of my credit card number from an XXXX to a XXXX and left off the Unit # in my address, so that I was also not receiving paper billing notices. 

When I called XXXX XXXX XXXX XXXX was transferred to XXXX XXXX, but they were not able to locate my account or verify an account belonging to me because of the incorrect information ( no SSN, incorrect XXXX #, and incorrect address ). 

XXXX XXXX XXXX XXXX report XXXX, XXXX, XXXX, and XXXX  days late to the credit bureaus in XXXX, XXXX, XXXX, and XX/XX/XXXX. There is no information on my credit report until the account was turned over to a XXXX XXXX in XX/XX/XXXX with the same incorrect information as before. 

I continued to call XXXX and XXXX XXXX, but neither company was able to tell me the Collection Agency the account was turned over to. The mail was finally forwarded to my correct address and the XXXX XXXX XXXX XXXX in full. 

I should not have to suffer the consequences of late and collection information on my credit report because of the incompetence of Synchrony Bank. I have disputed this information with the credit bureaus, but the credit bureaus decided in favor of the bank because they were not aware of the extenuating circumstances that caused me to miss payments on the account. 

Please remove the XXXX, XXXX, XXXX, and XX/XX/XXXX late payments on my XXXX XXXX account as well as the late payments when the account was turned over to Collections ( XXXX and XX/XX/XXXX and XXXX, XXXX, and XXXX XXXX ) for a total of XXXX ( XXXX ) separate negative items.
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled and updated quickly. XXXXXXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2022-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I contacted Transunion several times to remove the fraud alert off my credit. I can not even get access to my free transunion credit report because they keep requesting the same docs to be mailed to them to confirm my identity, which I've done 5x already and they refuse to give me access to the credit report and remove the alert that I asked for. Please contact them to take care of this. This is beyond frustrating. I mailed them a copy of my id, ss card and a bill with my name and address on it 5x.
Consumer complaint received 2022-06-27
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: AMERICAN EXPRESS COMPANY (CA)

Although I filed a charge dispute and provided American Express with compelling hard evidence that Ive never received the merchandise I ordered, American Express has never issued me a final credit, instead we are engaged in a vicious cycle of temporary credits and charge backs that almost feels like harassment.
Consumer complaint received 2022-06-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OPORTUN FINANCIAL CORPORATION (SC)

hi on XXXX I got a loan from them for XXXX dollars but they sent me 2 checks each for XXXX dollars so i put them both in my account in XXXX they took the whole XXXX  back but i am still paying on the loan please help me i sent all the paper work they ask for every time i call they tell me something different
Consumer complaint received 2022-08-08
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. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX Account Number : XXXX Balance : {$220.00}
Consumer complaint received 2022-06-27
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: NAVY FEDERAL CREDIT UNION (MI)

On or about XXXX XX/XX/21 Navy Federal Was Again Being Very One Minded Using Unfair Banking Policy . They Stole My Money.They Voided Their Contract With Doing What they Want With my collateral loan that I signed a promissory note go directly back into my savings but that was paying my credit card pending charges and I told them something was going on so they continue to steal my money and making me pay ridiculous charges nothing that I signed up for and I need it overturned and conversated. I also have emails correspondence from the manager of the hotel instructing them to release the remain on my money. Now I am banned from All Navy Federal institutions. After I kept calling advising them that they brenched their own contract. thank you
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Why is this account being reported with 3 consecutive incorrect dates of last activity. The account also has no data for the first 60 days of 2019. Delete account for inaccurate reporting.

Once you have finished my request, please send me an updated credit report reflecting my request.
Consumer complaint received 2022-06-27
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: EQUIFAX, INC. (FL)

I have an authorized inquiries on my credit report XXXX - XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 XXXX XXXX XXXX/XXXX/XXXX
Consumer complaint received 2022-06-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: DISCOVER BANK (NJ)

My wife 's XXXX account was hacked and my credit card information was in her account. She received an email stating that my credit card was declined for a purchase made for {$220.00}. She immediately changed her XXXX password and I called the credit card company to report this fraudulent transaction. The credit card company cancelled the credit card and issued me a new card. I also have the name and address of the person who tried to make this purchase. the name of the person who tried to make this transaction is XXXX XXXX XXXX and his address is XXXX XXXX XXXX XXXX XXXX, Florida XXXX. It happened today XXXX XXXX.
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX and XXXX XXXX XXXX Account # 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, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (NY)

In XXXX of XXXX, I had a charged-off auto-loan from Santander Bank ( SANTANDER CONSUMER USA on my credit report ). Shortly after that, the vehicle was repossessed. Eventually, Santander sold the loan to a debt collection agency named XXXX XXXX XXXX XXXX which sued me in civil court through an attorney group known as XXXX, XXXX, XXXX, XXXX. 

I hired my own attorney who was able to reach a settlement with the creditor 's law firm. I paid this settlement amount in full. Earlier this week, I asked Santander to remove the negative account from my credit report, and they have not done so.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
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 2022-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA (IN)

I have XXXX products and so I am " locked '' into the ecosystem. Among the products I have is an XXXX Credit Card. 

Using this card allows you to purchase XXXX goods and services along with the advantage that you can have a payment plan posted to the Apple card ( where as if you used a different card, the entire amount is charged at once ) and it is this that make having the card attractive. 

However, there is a trap where the APR rates are NEVER lowered once you have the card. 

Over time, I have made on time payments and my credit score has improved. I was able to successfully contact other credit card companies and was able to get my APR lowered. 

XXXX, however will refuse to lower your APR at all and a XXXX search shows many people are told the same. 

I believe XXXX is being unfair and artificially keeping APR rates high despite credit score improvements and as stated earlier, if you drop using the Apple card, you can no longer place XXXX items on a payment plan ( for instance when purchasing high cost items like phones/ computers ) effectively locking you in because you can seldom purchase a computer on another card due to credit limits.
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE, THE ITEM I NEED DELETED ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT THE ITEM LISTED BE REMOVED TO CORRECT MY CREDIT REPORT. I ALSO REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSION & ENCLOSED COPIES OF THE FEDERAL TRADE COMMISSION IDENTITY AFFIDAVIT. REMOVE THIS ITEM IMMEDIATELY OR I WILL GET MY ATTORNEY INVOLVED AND WILL SUE FOR REPORTING INCORRECT INFORMATION TO MY CREDIT FILE!!!
Consumer complaint received 2022-09-23
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX... XXXX AND TRANSUNION XXXX .ALL HAVE DIFF DATES ON THEIR SITES ... OBVIOUS MISTAKES AND THEY WILL NOT HELP OVER THE PHONE AND WHEN YOU DISPUTE AN ITEM ... ITS NOT CORRECTED OR INVESTIGATED AND YOU TRY AND DISPUTE IT AGAIN BECAUSE ITS WRONG... .THEIR COMPUTERS KICK YOU OUT AND DONT LET YOU DISPUTE ERROR THAT HAS NOT BEEN FIXED... .AGAIN AND AGAIN AND AGAIN. ON THE PHONE THEY WONT REMOVE OBVIOUS ERRORS AND THE DISPUTES ARE NOT RESOLVED PROPERLY OR THEY ARE LEFT IN THE HANDS OF THE CREDITORS ... XXXXALL 3 HAVE HUNG UP ON ME WHEN I QUOTE THE FCRA AND THEIR RESPONSIBILITIES ... .CFPB IS NO HELP AT ALL ... XXXXWHY DO YOU ALLOW THEM TO TOY WITH PEOPLES LIVELIHOOD ... .AND GET AWAY WITH IT ... ..HOW IS IT CFPB IS A BANDAID ... .ON A CUT THAT NEEDS STITCHES ... .CREDIT BUREAUS ARE GETTING AWAY WIRH MURDER AND YOU TELL THE AVERAGE WORKING PERSON TO GO TO COURT ... .WHY AM I GOING TO COURT TO PROVE THEY ARE WRONG ... .I HAVE 5 CASES ON MY REPORT WHERE IVE MADE NO PAYMENT ... .CREDITOR CANT PROVE IT ... .BUT THEY KEEP IT THERE AS IS ... A BLATANT LIE ... AND THERE IS NO REAL RECOURSE OR PENALTY TO OR FOR THEM SO THEY KEEP DOING THE SAME THING THEN A COMPUTER GIVES U A CODE AND REJECTS DISPUTES THAT HAVE NOT BEEN RESOLVED MOBTHS N MONTHS GO BY AND NOTHING... .WHAT GOOD IS THIS SYSTEM THAT ONLY BENEFITS THE COMPANY GETTING PAID TO HELP CROOKED BUSINESSES WHO DONT CARE ABOUT PUBLISHING WRONG INFO AND DOING SO KNOWINGLY ... .I HAVE 3 ACCTS THAT HAD CLOAED DATES ... REPORTED BY CREDITOR THEN WHEN I DISPUTE IT ... .CREDITOR SUBMITS " NEW VALIDATED CLOSED DATES '' HMMMM
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

After reviewing my credit report I noticed that This account from XXXX is a fraudulent account that was opened up in my name and it does not belong to me. Not only is it a Fraudulent account its reporting different dates as well as different balances across each credit bureau. 

XXXX XXXX XXXX Opened on XX/XX/2013 {$20000.00} Experian XXXX XXXX Opened on XX/XX/2013 {$20000.00} XXXX XXXX XXXX Opened on XX/XX/2013 {$14000.00} This account has been opened in my name fraudulently.
Consumer complaint received 2022-05-02
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. (GA)

Over 2 months ago I informed Equifax that they are reporting a fraudulent item on my credit report and that it should be removed immediately. They have responded through the cfpb portal that they need an account number and name. I have clearly given this information through cfpb in XXXX.