davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-19
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXXXXXX .... Balance : - ; XXXX XXXX XXXXXXXX XXXX  XXXX .... Balance : {$5500.00} ; XXXX XXXX XXXX XXXX. Balance : - ; TXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Balance : {$3600.00} ; XXXX XXXX XXXX XXXX .... Balance : {$4200.00} ; XXXX XXXX .... Balance : {$8200.00} XXXX XXXX XXXX XXXX XXXX .... Balance : {$340.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$4700.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-12-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (FL)

I have been asking for a copy of the deed and luie paperwork I signed in XXXX Chase is constantly giving me the run around and just sending me a copy of my mortgage note as well they have marked up my credit. 
I am asking for the notary information who was there when I signed it as well a copy of the paperwork I signed off on. They refuse to send it.
Consumer complaint received 2023-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

TransUnion disabled my login. Stopped online logins. 
Could not comply with a soft copy of my credit report. I was actually told it was illegal to mail me a report to my XXXX  address. Since my last report was dated XX/XX/2022- they are telling lies. 

Phone agent was also rude and kept talking over my replies. would not connect me to her supervisor. 

XXXX also doesn't work for my location either. 

It appears Transunion can't sent send me a credit report at my address or online. XXXX XXXX have the right to receive credit reports even if they live overseas. 

Told to call back at XXXX from XXXX XXXX XXXX
Consumer complaint received 2020-09-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

Consumer Financial Protection Bureau : Experian CONTINUES TO CLOSE MY DISPUTES AS DUPLICATES and DENY MY DISPUTES ONLINE. PLEASE DO NOT ALLOW EXPERIAN TO CLOSE MY DISPUTE AS I HAVE NOT BEEN ALLOWED TO DISPUTE NOR HAS MY REQUESTS TO BLOCK, ADD A PERSONAL STATEMENT, OR RECIEVE MY CREDIT FILE BEEN ALLOWED. Experian will not even allow me to dispute the FRAUDULENT ACCOUNT XXXX   XXXX XXXX ON THEIR PORTAL. I have tried to dispute it online via the paid subscription service I have and via mail. Experian tells me that it will be 30 days and then says it will be sixty days. Each time added more days to the dispute allowing XXXX   XXXX XXXX TO PULL MY CREDIT FILE WITH THE UPDATED PERSONAL INFORMATION I PROVIDE TO EXPERIAN. FURTHER ALLOWING XXXX XXXX XXXX TO VERIFY A FRAUDLENT ACCOUNT IN MY NAME USING MY PERSONAL INFORMATION WHICH WAS PROVIDED TO EXPERIAN TO DOCUMENT AND SUBSTANTIATE MY DISPUTE OF XXXX XXXX XXXX AS FRAUD. 

CONSUMER FINANCIAL PROTECTION BUREAU SOMETHING HAS TO BE DONE ABOUT EXPERIAN REFUSAL TO DISPUTE, BLOCK, AND TO ADD A PERSONAL STATMENT TO THE FRAUDULENT ACCOUNT BEING REPORTED TO MY CREDIT FILE BY EXPERIAN.
Consumer complaint received 2020-08-28
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: ID Analytics, Inc. (CT)

The company XXXX XXXX called me trying to collected debt owe. I never spoke with anyone from this company before that call. A contract was never issue. Reaching out to XXXX XXXX lack reasoning. making there calls illegitimate and stocking behaving illegal. I clearly have no idea what they are talking about and still they keep reporting this negative account on my credit.
Consumer complaint received 2020-08-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc. (FL)

On XX/XX/XXXX, I signed an treatment acceptance and payment arrangement form from XXXX XXXX, XXXX XXXX to XXXX XXXX, XXXX, Florida. This agreement contained terms concerning some major dental work which was consummated by this agreement. Total responsibility {$5200.00}, of which I paid {$2600.00}. I made the decision to pay half and finance the other half after being offered an interest free loan through XXXX XXXX XXXX. I was told explicitly, the terms would remain in effect unless I default on a payment. At that time, I would be assessed finance charges. Wishing to enhance my credit file, I elected to finance {$2600.00}. In that time period I was always on time and paid my monthly balance as soon as the notification e-mail came in. On XX/XX/XXXX I was debited XXXX and finance charges began to accrue. I continued to pay my payment while I awaited proof of my agreeing to the terms of this deal. 
In essence, in XX/XX/XXXX, my balance was {$970.00}. I kept seeking a remedy for this and paying the payments, yet until I reached my point of intolerance, my balance now exceeds {$1400.00}! I find this punitive and predatory. Trying to enforce an agreement that was never in force.
Consumer complaint received 2022-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (TX)

One week ago on Wednesday, XX/XX/XXXX we filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding claim number XXXX. This transaction is not recognized and was not authorized as explained when it was initially reported to Chase. In response to the notice that Chase posted on the account related to this claim, we have requested copies of ALL documents that Chase has that proves this charge is valid and or authorized. It has been seven days and no one at Chase has responded to our CFPB complaint requesting the documents in accordance with the federal law - The Fair Billing Credit Act. In accordance with federal law Chase must provide the requested documents once funds from a dispute are reversed such as this claim. Chase has not provided the requested documents proving that the disputed transaction is indeed valid. 

It has been voiced several times that we experienced an emergency while out of town which required XXXX  service and were without devices and wallets for over eight hours or more. 
We are in request of the documents proving that we are responsible as Chase has stated. We reserve the right to file with the FTC and the CFPB again.
Consumer complaint received 2020-09-04
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. (NY)

On XX/XX/2020 i filled an online dispute # XXXX with XXXX that was incorrect please have it removed. I also filled an online dispute with TransUnion # XXXX on XX/XX/2020 please have it removed.
Consumer complaint received 2020-08-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

I had a computer company fix my computer and later realized that it was a hack. 
I reported ( 4  ) {$1000.00} fraud XXXX payments from my savings account. After 3 tries from my bank ( Fifth Third ), they will not refund my money. They say that it was an authorized transaction. They claim that I gave them authorization to send the XXXX Payments. I never knew what XXXX was and now realize that the hackers on my computer probably authorized the payments, I sincerely hope that you can help me on this situation. {$4000.00} is a lot of money when you are a retiree.
Consumer complaint received 2022-09-22
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: EQUIFAX, INC. (PA)

On XX/XX/2022 Upon checking my credit report I saw a few disturbing inaccurate accounts on my credit report. These account were not authorized or have a permisable purpose to be on my personal credit credit report. 
I an aware of 15 USC 1681c which states a consumer report will be kept confidential. Please remove this account from my credit profile immediately. This action is effecting the way I live. 

XXXXXXXX XXXX  XX/XX/2022
Consumer complaint received 2022-02-15
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. (MI)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. As I reviewed my recent report, I have found an erroneous information reporting on my XXXX Credit Report. I am not sure if you have conducted a thorough investigation for the stated item below : XXXX XXXX XXXX XXXX Balance {$6000.00}
Consumer complaint received 2020-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Sterling Infosystems Inc. (GA)

I would like to file a official complaint against Sterling ( A company that conducts background checks ). 
In regards to my background check that was conducted by their organisation. I wrote a letter along with my official dispute / complaint case number. I provided evidence along with my request ; that the alerts found on my record stating the offense description of ( XXXX XXXX XXXX ). Be removed from my background check conducted by Sterling. The prosecutor in my case declined to prosecute me ; because there was no credible evidence against me and the judge ruled in my favor. Rendering a judgement of XXXX XXXX. 
I took the initiative to pay for myself, and obtain from my local police department of XXXX, Georgia on XX/XX/2020. The evidence that clearly shows that I have a clean criminal record with no charges ever brought up against me. 
The issue that was disturbing to me about this company and their employees ; and made me compelled to take this complaint to another level is ... the way they handled my dispute. Every representative of this company that I spoke with clearly did not want to listen to me or take my complaint seriously. 
They all told me that it was pointless for me to file a complaint without proof of a expungement from my local courthouse of XXXX County Georgia. Without even giving me the opportunity to present my evidence they had already made up in their mind that they were not going to grant me ; any type of service or removal off of my record. Without even seeing my evidence. Which was very unprofessional to me. The laws that are governed by this country of the United States ; everybody is due their day in court or the opportunity to present their case. 
I was contacted by a representative of their company on XX/XX/2020. I can tell by her demeanor that she really just called me just ... to say she followed up and did her job and tell me the company was not going to listen to my side of the story and be fair about the situation. The only reason she gave me two or three minutes to plead my case is to say that she was courteous. I explained to her that I had evidence to submit in my case and I will be faxing that evidence over to her the same day that she called. 
She again disregarded everything that I told her and stated she will send me an email, with her contact information. I could forward my expungement paperwork from the XXXX County courthouse. When ever they decide that it is safe for them to open back up. We all know this world and country are in a pandemic and there is no guarantee of an exact date of the government courthouses opening up. 
She stated herself to me on that phone call ... that she called and saw for herself that the courthouse was closed until father notice.
Consumer complaint received 2020-11-19
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: Experian Information Solutions Inc. (CA)

Experian continually fails to process disputes. I have submitted and resubmitted disputes ( requests for investigations and reinvestigations ) several times through the CFPB portal and Experian continually claims it is not being submitted by me even though I provide all the correct identifying information which includes but is not limited to my Driver 's License, Social Security Card, and recent Utility Bill in my name. If I try to submit these disputes via US mail, they get ignored by Experian. When it comes it submitting disputes via Experian.com, they do not allow you to dispute inquiries and so you can't submit anything. 

Experian, please process the attached dispute. Failure to process the dispute and investigation ( including any reinvestigations ) requested will result in a lawsuit in small claims court. Thank you.
Consumer complaint received 2022-07-25
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Goal Structured Solutions, LLC (GA)

XX/XX/XXXX I enrolled in a XXXX XXXX  class through a private lender XXXX. I became delinquent in paying my monthly payments and it was submitted to a third party collection - XXXX XXXX. I agreed to a six month payment plan of {$310.00} with XXXX XXXX to pay account off, which I have since XX/XX/XXXX until current. I have one last payment in XXXX, however, Launch isn't reporting my on time payments accurately to the credit reporting agencies. Launch is reporting that I am 13 months behind, when my delinquency began in XX/XX/XXXX and my on time payments started XXXX XXXX until current. Launch reps stated that for each on time payment posted, that payment goes towards the months that I was behind. But it would never show any current on time payment, because technically the account is still behind. This reporting practice has drastically effected my credit score.
Consumer complaint received 2022-12-14
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. (WI)

XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX, NV XXXX Equifax - XXXX XXXX XXXX - XXXX, GA XXXX Payment of {$300.00} posted XX/XX/21. Statement Date XXXX shows this payment reducing the balance from {$460.00} to {$190.00} ( +/- other minor adjustments ). TWICE since the payment was posted, XXXX XXXX has stated to Equifax that the balance is still {$460.00}. 

When I called XXXX XXXX to try to ask them, they acknowledged the lower balance but refused to send the updated balance to the credit bureau. 

While I have a dashboard account at Equifax, there is no way to refute a factually incorrect response to a dispute. The phone menu systems do not allow for human interaction and I have found nowhere on their site where I can submit documentation showing the correct balance as stated by XXXX XXXX.
Consumer complaint received 2020-09-04
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

I notified Capital One on XX/XX/XXXX to notify of an issue I was having with a company, XXXX XXXX that I had paid to build a mobile application. I informed them of the concerns I had with way in which this company did business, charging me for months for an app that I was promised to have ready in 6 weeks that instead took six months. I advised the representative that the first charge occurred on XX/XX/2019 when I required to pay for the first and last month of the application being active on their platform, which was a fee of {$310.00}. I also informed CO that when I looked at the contract, the wording said that charge was for a " business marketing application, when I was told something completely different. I expressed to them how the employees of the business used aliases that were not their real names. I explained that the recurring, subscription charges began on XX/XX/2019 and continued until XX/XX/2019. I informed them that I wanted to dispute all charges in questions and requested a a form of contact to send supportive documentation. I had not heard anything, so I called back on XX/XX/XXXX, only to find out that the case was not file. Again, I gave all this information for the case to be filed against and ti request an investigation and request a chargeback on these charges. I called in on the XXXX and found out that again, this has not been done. No investigation that has been requested 2 times prior had not been performed. At this time, I demanded to be transferred to a supervisor in an American-based call center. XXXX advised she would be sending the entire complaint to the investigation office.
Consumer complaint received 2022-06-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I HAVE RECENTLY BEEN DENIED CREDIT ON SEVERAL OCCASIONS BECAUSE TRANSUNION IS REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT. I HAVE TRIED TO DISPUTE THIS INACCURATE INFORMATION WITH TRANSUNION. TRANSUNION HAS REFUSED TO CORRECT THIS INACCURACY. I HAVE SENT A DIRECT LETTER OF DISPUTE BY CERTIFIED MAIL WITH SIGNATURE DELIVERY ACCEPTANCE TO THE FURNISHER OF THIS DATA SINCE XX/XX/XXXX WHICH I HAVE ATTACHED TO THIS COMPLAINT AND THE FURNISHER OF THIS DATA HAS REFUSED TO RESPOND TO MY DISPUTE. TRANSUNION IS VIOLATING MY RIGHTS BECAUSE THEY SEE ME AS THE SMALL GUY TO BULLY. 

XXXX XXXX XXXX  XXXX XXXX XXXX : XXXX BALANCE : {$7700.00} - - - XXXX XXXX XXXX XXXX XXXX CT XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type CHILD SUPPORT Date Updated XX/XX/XXXX Payment Received {$0.00} Pay Status >Account 120 Days Past Due Date< Terms Paid Monthly High Balance ( Hist. ) High balance of {$0.00} from XX/XX/XXXX to XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXX THIS INNACURATE INFORMATION NEEDS TO BE DELETED.
Consumer complaint received 2020-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I am afraid of using my visa card, because i got a call from XXXX XXXX XXXX XXXX stating that two charges were made this morning that I did not authorize. 
how do they know my credit card? 
how do they know my phone number? 
should law enforcement investigate this number or CFPB? 
I called Capital One and there is not such charges. is this fishing to verify phone number credit card number?
Consumer complaint received 2022-10-25
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: Round Up Ventures, L.P. (OH)

In Accordance with the fair credit reporting act convergent account number has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U. S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-11-19
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove the items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous items which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall delete any item in the file of a consumer that the consumer identifies as items that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-09-04
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. (FL)

I called XXXX XXXX asking for a credit limit increase on one of my credit cards I've had with them since XX/XX/2012. I very specifically asked to make sure they would not run my credit for this request. I was assured they wouldn't. They still did. Now I have an inquiry on my file. Absolutely unacceptable.