davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-07
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. (NC)

This information reporting on my credit profile is inaccurate and I would like you to validate that it belongs to me per the accounts below. 

XXXX : XXXX XXXX Original creditor : XXXX XXXX {$800.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Open account XXXX XXXX Original creditor : XXXX XXXX XXXX {$520.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Open account Paid off : 0 % Balance on XX/XX/XXXX Original balance {$520.00} XXXX : XXXX XXXX XXXX Original creditor : XXXX  {$520.00} Balance updated Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Account Paid off : 0 % Balance on Original balance {$520.00} EXPERIAN : XXXX XXXX Original creditor : XXXX XXXX. 
{$520.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$520.00}
Consumer complaint received 2021-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

The story is very long it started in XXXX with technical issues in processing my XXXX, which they canceled after a month and thousands of call, I had to start a new application and settle for less than XXXX says I should have received, then a check disappeared in XXXX, after a month and a half and thousands of calls rejected payments, overdraft fees, merchant fees and even closed credit cards, they say that the check did not disappear, that it had no funds, it took about a month and a half and about {$800.00} in fees after they promised to remove them all and solve the merchant issues, they did nothing. Mind you the check they say had no funds, came from the treasury department, for my XXXX XXXX. I was closing on a house and my approval got turned down, now my mom and I are stuck in a XXXX bedroom abandoned my account is over {$3000.00} negative. 

I submitted a complaint with XXXX  over 2 months ago no response until XXXX days ago although supposedly the bank had XXXX  days to respond, now XXXX say they would send a letter within XXXX business days its been XXXX days and nothing. They killed my dream today a home and ruined my credit and business, consumed my XXXX  in fees. 

This is unfair my XXXX is living XXXX in my living room because I was denied my approval after being approved and searching for over a year because of thefees, delayed responses, no response, technical issues, terrible communication and more, these people are thieves.
Consumer complaint received 2020-07-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2020-07-06
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. (AR)

MY WIFE AND I HAVE BEEN A VICTIM OF IDENTITY THEFT. WE PULLED OUR CREDIT BECAUSE WE KEPT GETTING CALLS ABOUT A DEBT WE OWED FROM A RENTAL PROPERTY. WE HAVE NO IDEA WHAT THIS DEBT IS ABOUT. THERE ARE SEVERAL THINGS ON OUR CREDIT THAT DO NO BELONG TO US AND THAT WERE OPEN UNDER JOINT ACCOUNTS WITH OUR NAMES AND SOCIAL SECURITY NUMBERS. PLEASE REMOVE THESE FRAUDULENT ITEMS FROM MY REPORT.
Consumer complaint received 2018-10-05
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: Caliber Home Loans, Inc. (UT)

Caliber Home Loans has put my mortgage in a Banruptcy Status with them and they have reported to my credit that the account is in Bankruptcy as well. 
I have never filed bankruptcy on them I did file 2 years prior to getting the loan. I have made multiple attempts to them and nothing is getting done.
Consumer complaint received 2020-07-06
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2022-10-12
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: 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 or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items 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 items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXXXXXX XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX. Balance : - ; XXXX XXXX XXXX XXXX XXXX .... Balance : - ; XXXX XXXXXXXX .... Balance : XXXX ; XXXX XXXX  XXXX XXXX .... Balance : {$870.00} ; XXXX XXXX XXXXXXXX XX/XX/XXXX; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX 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 2020-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My name is XXXX XXXX. There is a very old account that continuously reports on my credit file with XXXX XXXX XXXX ( account number XXXX ) and it's past the statutes of limitations and needs to be deleted immediately.
Consumer complaint received 2023-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

XXXX XXXX. XX/XX/2023 XXXX. I received XXXX phone calls from Chase Bank XXXX XXXX ) and picked up the XXXX call. 
XXXX. A Chase representative told me that they were calling to verify a charge that was currently being made at a XXXX with my debit card ending in XXXX. I was working at home at the time of the call and confirmed that the debit card was still in my possession. I told the rep that the charge was not authorized. The rep said that to cancel and reissue my debit card, I had to provide my pin number to verify and confirm. I proceeded with providing my pin number. The rep confirmed that my card ending in XXXX is cancelled and that my new debit card would be expedited in the next XXXX business days. 
2. XX/XX/2023 XXXX. I woke up at XXXX and checked my checking account. I saw XXXX ATM withdrawals on XX/XX/2023. Each withdrawal was {$100.00}, totaling to {$2100.00}. I did not make any of these ATM withdrawals. 
XXXX. I called Chase immediately at XXXX to file a claim. The following transpired : XXXX. Chase told me that the ATM withdrawals were made via a digital wallet. I confirmed that I have never put my debit card information in my XXXX XXXX. I also confirmed that the only time I provided my debit card pin was to the Chase representative on XX/XX/2023 in order to cancel and reissue my debit card. 
XXXX. Chase told me that my debit card ending in XXXX was still active and there is no record of a new debit card being reissued. I requested again for my debit card be cancelled and reissued. 
XXXX. Chase Fraud Protection provided more detail, saying that my debit card information was compromised and was loaded onto someones digital wallet for use. 
XXXX. Chase told me that this information was documented on their end and I would receive the results of my claim in XXXX calendar days. 
XXXX. XX/XX/2023 XXXX. I received an update of information about my claim from Chase. No adjustment will be made to my account at this time.
Consumer complaint received 2022-05-16
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. (OK)

I have tried SEVEARL times getting this FTC report to XXXX, XXXX and Experian. I have tried uploading it only and have even tried mailing it. I mailed it several weeks ago. Please get the attached FTC report to them ASAP.
Consumer complaint received 2020-07-06
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)

I am completely dissatisfied with this company called XXXX, XXXX. I have contact them and Experian MULTIPLE times over the years for them to remove themselves from my credit report. I sent the credit bureau the police report attached where my property, identification, and social was stolen back in XXXX. This company has been reporting on my credit since XXXX!!! Just in the last year I have sent them 4 different letters for removal from my credit report. Letters where dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and finally XX/XX/XXXX. All with the police report attached showing my identification was stolen along with proof of my address at the time. I have NEVER had an account with this company!!!!! Experian nor XXXX have sent me any PROOF, as in when or how, that these accounts were validated to be mine. They have nothing with my signature on it stating the accounts to be mine!!!!
Consumer complaint received 2020-07-06
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. (AR)

MY WIFE AND I HAVE BEEN A VICTIM OF IDENTITY THEFT. WE PULLED OUR CREDIT BECAUSE WE KEPT GETTING CALLS ABOUT A DEBT WE OWED FROM A RENTAL PROPERTY. WE HAVE NO IDEA WHAT THIS DEBT IS ABOUT. THERE ARE SEVERAL THINGS ON OUR CREDIT THAT DO NO BELONG TO US AND THAT WERE OPEN UNDER JOINT ACCOUNTS WITH OUR NAMES AND SOCIAL SECURITY NUMBERS. PLEASE REMOVE THESE FRAUDULENT ITEMS FROM MY REPORT.
Consumer complaint received 2021-03-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc. (CA)

I started getting bills from XXXX XXXX. I have no idea who XXXX XXXX is. I wrote and spoke to them advising them I have not ordered anything from them. They have made a derogatory entry on my credit report however they do state I am disputing this charge, that it was identity theft and I have not received any product from them.
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

Notice sent to XXXX, Experian, and XXXX regarding XXXX XXXX XXXX in the amount of {$680.00}. Inaccurate information has been reported with no resolution within the month of XXXX as well as the month of XXXX.
Consumer complaint received 2022-12-28
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. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-09-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

XX/XX/2021 I paid off my loan with Capital one auto financing and have not received my title to my car despite numerous phone calls to the company I have gotten nowhere with them Im asking for help in retrieving the title to my property.
Consumer complaint received 2021-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OH)

I am request the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! My current and only address and name XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX Please remove any other Date of Birth on my file. I am in the process of correcting my file with XXXX, XXXX XXXX, XXXX the also have records of file the are wrong.
Consumer complaint received 2020-07-15
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. (NV)

I had a deferred interest loan/card with XXXX XXXX  / XXXX XXXX XXXX - I paid account IN FULL - before it was due, and that balance was over 45 days ago. The company REFUSES to accurately report my balance to the credit bureau as {$0.00} balance. When calling, I am told the only option I have to report {$0.00} - which company verifies my balance is indeed {$0.00} is to CLOSE the account. In both instances - closing my account as well as FAILING to report my ACCURATE balance hurt my credit score and financial image. I want the account to be open, I may need a product using this company in the future. However, regardless, they have a duty to accurately report my balance to all 3 credit bureaus.
Consumer complaint received 2023-05-22
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. ()

NAME : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, State Zip : XXXX, Il XXXX Email Address : XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number # ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Cloarly 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 Instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Crodit Reporting Act.
Consumer complaint received 2021-08-12
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 — Investigation took more than 30 days
Company: Persolve, LLC - Legal - Series 2 (OH)

I Filed a dispute in regards to the incorrect items on my credit report. It has been well over thirty days and I Haven't Received any results to my investigation.
Consumer complaint received 2020-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/2020, I made an online purchase for masks from XXXX for {$30.00} which was deducted from my Bank of America account. On XX/XX/2020, I noticed the {$30.00} debit on my account was followed by a {$.00} debit from XXXX as an international transaction fee. I emailed XXXX and they denied charging the {$.00} and advised that I check with my bank. 
On XX/XX/2020, I called Bank of America and spoke to XXXX who said that XXXX charged it. He said it was linked to the {$30.00} charge and a claim could not be filed on it. 
On XX/XX/2020, I spoke to XXXX supervisor, XXXX, who said Bank of America charged it and Bank of America charges 3 % on all international transactions. 
Since the charge shows from XXXX, why doesnt Bank of America show their name and why doesnt Bank of America notify their customers? I order online often and have never seen or heard of this charge. Is this legal?
Consumer complaint received 2022-03-22
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. (MA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2020-07-06
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. (AR)

MY WIFE AND I HAVE BEEN A VICTIM OF IDENTITY THEFT. WE PULLED OUR CREDIT BECAUSE WE KEPT GETTING CALLS ABOUT A DEBT WE OWED FROM A RENTAL PROPERTY. WE HAVE NO IDEA WHAT THIS DEBT IS ABOUT. THERE ARE SEVERAL THINGS ON OUR CREDIT THAT DO NO BELONG TO US AND THAT WERE OPEN UNDER JOINT ACCOUNTS WITH OUR NAMES AND SOCIAL SECURITY NUMBERS. PLEASE REMOVE THESE FRAUDULENT ITEMS FROM MY REPORT.
Consumer complaint received 2020-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hi. I don't know what's going on but I disputed accounts that weren't mine or weren't accurate with the credit bureaus back on XX/XX/XXXX. I never got any notices and I feel like its been a really long time. I read that the credit bureaus only have 30 days to give me a notice back with responses and its been far longer than that. I also sent them my license and social security card so they knew who I was. 

I just recently sent them a second notice last week but I don't know if I'll be ignored again. 
Please help me get some results back.
Consumer complaint received 2020-07-06
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: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Recently, I disputed the validity of an alleged collection account, with Portfolio Recovery Associates, and " XXXX XXXX XXXX XXXX', which appears on credit reports with XXXX, XXXX, XXXX, and XXXX. This is an error. I contacted Portfolio Recovery, on XX/XX/19, via Certified USPS Mail XXXX XXXX XXXX, to dispute the account and balance, request a transfer of debt, and other information. On XX/XX/19, I did receive a response. However, Portfolio Recovery, did not provide any requested materials, or attach any documents, whatsoever, only a statement from their Disputes Department. I again contacted, Portfolio Recovery, on XX/XX/19, via certified USPS ( XXXX ), signed for by XXXX XXXX, on XX/XX/19, stating this response was unsatisfactory, and demand material evidence. Portfolio Recovery, never responded. In spite of failing to honor my request to provide the information, or delete the alleged account under the Fair Credit Acts,  Portfolio Recovery, and XXXX, continue to report this account in error to credit reporting agencies.
Consumer complaint received 2022-05-16
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. (FL)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX