davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life.
Consumer complaint received 2023-03-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I was on a university XXXX group trying to find housing for next school year on Monday, XX/XX/XXXX at XXXX. I contacted the girl on her post, and she sent me a video for the tour of the apartment along with an address. They asked me for my ID, and I thought it was to confirm if I was a real person. She advised me to pay for the apartment first to save my spot because we have a housing crisis. So, I got in contact with her manager, and he told me to pay {$1100.00} through XXXX. I am new to XXXX, and I only did what I was told. When I made the first payment, they asked for another. So, I was suspicious and investigated her further to find out that she sent the same post to different campuses, so it was a scam. I asked for a refund because I did not yet sign my lease, so I should be able to get my security deposit back. They refused even further, arguing that it was in our contract, but they did not present me this contract at all during the conversation. This is when I found out that I actually got scammed. I have tried contacting XXXX, but because I authorized the payment, they will not allow a refund. Chase told me that because I processed the money using XXXX and that the transfer was already completed, they could not do anything. I have filed a police report to my local county police but have not yet received a response.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2022-10-12
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: Experian Information Solutions Inc. (TX)

This is not an error or accident I received a letter stating this complain was not from me and it is in fact being submitted by me. Do not ignore my complaint as this is a serious issue that needs to be addressed. I travel a lot for my work so I dont have time to be on a phone waiting for hours to get this done.
Consumer complaint received 2020-10-08
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX my certified mail was delivered to Transunion at XXXX. To date, I have been ignored or they just trashed my letter as they have not attempted to verify the alleged debts reporting incorrectly.. I am escalating to cfpb as it is 90 days so I know they are in violation. I have no trust to send another notice there so I need your help.
Consumer complaint received 2021-08-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (CA)

I have had a HELOC ( # XXXX ) with U.S. Bank for almost 15 years which is tied to a construction gone bad. I am in the California court system since 2006! There have been 3 rulings for me. The defendant had gone all the way to California Supreme Court which was rejected. To be safe, it will take another year to see any money. I have almost paid the amount of the HELOC in interest! I have applied for forbearance. Even though U.S.Bank has sent me a letter and given me a name as a relationship manager at the Loss Mitigation department, but I can not locate the person nor I can talk to anybody in charge. I might have been late just a few times in 15 years! but they keep charging me for late fees and reporting to Credit companies. Except for them, I have an excellent credit history! 
I am a XXXX single mother with a rare autoimmune disorder. I am also caring for my XXXX old mothers. I truly need help. Do you think U.S.Bank would waiver all late fees so far, which will be a couple of thousands?
Consumer complaint received 2021-08-06
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (CA)

XXXX I went into the local Best Buy store to apply for a credit card in zip code XXXX. Application denied for the reason I find out weeks later through a piece of mail. A security measure on my account whenever I apply for credit requires the sales associate working at the establishment to call the phone number on my credit file which is my own. I am sitting in the store at the counter waiting on the phone call to verify myself but phone call never happened. I called Best Buy accounts to dispute and they lie to me and say the phone call was made, NOT!! I disputed the inquiry with XXXX  and it is still sitting on my report??
Consumer complaint received 2020-07-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc. (CA)

Diversified Adjustments is the debt collector and they added an exorbitant amount to my credit reports even after I sent a certified letter to them requesting validation. This debt collector added the debt to my account without allowing me time to dispute the items. I was in the middle of trying to apply for a home loan because I am homeless and they ruined my credit score. They initially put the item on XXXX. After I sent them a letter they put it on my XXXX report as well. Diversified Adjustments also sent an email to my work address indicating per my request, which I requested a letter be mailed to my Post Office Box. When the request for validation came through they did not follow policy in the timeline set forth by the Fair Debt Collection Practices Act and I did not receive the actual contract only a bill ; the other added issue is that they sent an email to my employee email address. The cancellation of the contract by XXXX cancelled any permissions previously given. XXXX XXXX and Diversified adjustment certainly did not have permission to contact me via my employer business email, which could cause me to be terminated because of the nature of my job. I provided my PO Box to them via certified mail. 

XXXX also charged every card that I ever had on file without permission, in attempt to collect a debt I do not believe I owe. They also attempted to charge my mother 's credit card and she received a fraud alert. I also received many fraud alerts. XXXX also added without my permission another account to this account. I also spoke with the reps. at length and discussed that XXXX of their reps. in Texas added another phone to my account without first asking me. My deaf daughter went into a store in Texas and they attempted to contact me but was not successful and they still added the account in my name instead of using my daughters or her fianc. They did not explain to my daughter and her fianc, the cost of the phone or the fees they would have to pay. My daughter and her fianc are deaf and they use XXXX XXXX XXXX to communicate. I also told the XXXX XXXX that the phones were severely damaged and/or lost. They were very insensitive to those set of facts and are still trying to charge me for lost or damaged phones which we can't locate without the phones being turned on and connected to XXXX per the XXXX representative I spoke with.
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 identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX   XXXX {$670.00} XXXX XXXX {$600.00} XXXX XXXX {$660.00}
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 identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. CHAPTERXXXXBANKRUPTCYDISMISSED XXXX CHAPTERXXXXBANKRUPTCYDISMISSED XXXX {$0.00} CHAPTERXXXXBANKRUPTCYDISMISSED XXXX {$0.00} XXXX   XXXX {$670.00} XXXX XXXX {$600.00} XXXX XXXX {$660.00}
Consumer complaint received 2020-01-11
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)

Hello, there are accounts with XXXX XXXX that are not mine, these accounts are fraudulent and are not in my name. I have contacted XXXX and they confirmed that these accounts are fraudulent and I am not liable for these accounts. 

This is a formal dispute on these accounts since they are the result of fraud. Please cease and desist all reporting of these accounts as they are fraudulent. 

I have never had a credit card with chase and therefore any account with chase has to be removed.
Consumer complaint received 2020-01-11
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. (PA)

I hold Amazon Chase Credit Card a couple of years. I'm always convinced to try Prime Membership in 30 days free for no obligation cancelation. Last XXXX, I did try it but cancelation with 30 days in website and also handwritten on payment statement. I called Amazon several times that it was confirmed with cancelation and {$13.00} refund will back to my Credit Card. Then, I called Chase Card to request removal about charge but refused. After the statement showed in late fee charged, I called Chase Card several times with very lengthy irrelevant talking and cordially discussed to solve the problem but never be accepted. I requested Amazon sent my cancelation emails a couple times and willing to provide to Chase Card if they provide me their email address that shows they've received refund. Chase Card never did!!!

The most outrageous business practice of Chase Credit Card is doubling original non-existing with two times late fees and DOUBLE AGAIN after I canceled my card and paid everything off except this predatory business practice. They even cut off my calls rudely.
Consumer complaint received 2020-01-11
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)

YESTERDAY XX/XX/2020 I WENT TO TRY TO PURCHASE A HOUSE WITH XXXX XXXX AND WAS DENIED FOR HAVE 5 NEGATIVE ACCOUNTS ON MY CREDIT REPORT. I HAVE NEVER AUTHORIZED ANY OF THESE ACCOUNTS FROM BEING OPEN NOR HAVE I EVER LET XXXX XXXX OPEN THESE ACCOUNTS IN MY NAME. I HAVE NEVER BENEFITED FROM ANY OF THESE ACCOUNTS EVER BEING OPEN OR HAVE RECEIVED MONEY OR GOODS IN GOOD FAITH FROM THE ACCOUNTS. PLEASE REMOVE THEM FROM MY CREDIT REPORT. I HAVE FILED A POLICE REPORT REGARDING XXXX XXXX AND THE ACCOUNTS THAT HE OPENED. 


I HAVE REACHED OUT TO EVERY COMPANY THAT OPENED THESE FRAUDULENT ACCOUNTS. PLEASE SEE ATTACHED DOCUMENTS
Consumer complaint received 2021-02-09
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. (GA)

I disputed errors on my credit reports in XX/XX/2020. I sent letters explaining the errors to XX/XX/XXXX, equifax, and XX/XX/XXXX. I have not gotten a response in over 30 days from either company. I am aware that under the fair credit reporting act that these companies have 30 days from the date they receive my dispute to validate any inaccuracies on my credit reports. These unverified accounts are preventing me from funding that would help my business prosper.
Consumer complaint received 2022-10-12
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: Experian Information Solutions Inc. (RI)

Clarity Services XXXX, A part of XXXX gave a report to a lender I was trying to obtain a loan from. Due to the information in the report my loan was denied. When I tried to get a copy of the report and my score this company stated they couldn't verify my identity. I have an account with XXXX and pay monthly for my 3 credit reports. I was told by the representative because XXXX is a subsidiary company under XXXX they do not share information. I would have to send a copy of my social security card and driver 's license either by mail or fax. This is unreasonable and risky if the mail does not reach it's destination. I can't believe a company like this has no problem sending my report to a lender if requested, but I was the consumer can't get a copy without taking extra steps. I asked to speak with a XXXX but was told they can forward a message and get back to me within XXXX hours. There are steps that can be taken to verify people, like asking information only the consumer would know. My personal information has been compromised in the past and I would like to know if anything is on this report that is fraudulent or inaccurate. When I asked about putting a freeze on the report they stated they can't do that until I'm verified. Please help!
Consumer complaint received 2022-04-08
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. (WI)

Reached out to XXXX multiple times for multiple months via CERTIFIED MAIL regarding unauthorized inquiries. They advised me to file an FTC report which I did. It has been months and no responses nor removals.
Consumer complaint received 2022-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is not an error or accident I received a letter stating this complain was not from me and it is in fact being submitted by me. Do not ignore my complaint as this is a serious issue that needs to be addressed. I travel a lot for my work so I dont have time to be on a phone waiting for hours to get this done.
Consumer complaint received 2022-05-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

On XXXX I received a fake fraud alert on my phone about my credit card misuse. I responded to a phone call immediately and the person said he was from my XXXX XXXX XXXX XXXX XXXX fraud alert center. His phone number and texts showed the XXXX which led me to believe it was from my real fraud alert calling me. I fell for his scam and gave him my credit card, debit card, and bank login ID. At the time I was not at my computer. Afterward, when I received my second fraud alert, which was real, I called my bank and was told the first fraud alert was faked. The scammer used my bank ID and changed my password and transferred {$500.00} from my account to an online bank, Zelle bank. I requested that my bank freeze my account, block my credit card and debit card and see if I can get my money back from this Zelle online bank. I also filled out a fraud banking form last Friday with my bank. 

The scammer name is : XXXX XXXX XXXX maybe he is in a group of scammers since his name is on the bank fraud form ) Scammer email : XXXX. 

I fell victim to a fake fraud alert, fake phone number and fake email of my bank. Please alert other seniors of this new scam and I hope you and others can help to catch the scammers, especially this type of scams that target seniors. 

Appreciate your help. 

Thanks. 

XXXX XXXX
Consumer complaint received 2021-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (FL)

Synchrony bank reduced the limit on my GAP Visa card from {$20000.00} to {$1000.00} without any notice. I never received any letter from them, I just realized upon randomly checking my credit report. I contacted them and asked my limit to be put back to {$20000.00} as it used to be. They only approved me for {$10000.00} even when my credit is excellent with very low utilization and excellent payment history. This is the way I get treated by Synchrony bank after being a customer for so many years. Nobody gave me an explanation.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CO)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2022-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX, Transunion, XXXX Accounts : XXXX XXXX XXXX XXXXXXXX XXXX needs to be removed it was processed and paid in full bur should not be on credit report because they had a glitch in their system that brought a current account in collection inappropiately. 
XXXX. XXXX XXXX XXXXXXXX opened XX/XX/XXXX. it reported past due 90 days for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX that was incorrect. never late was on a plan XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX late payment XX/XX/XXXX. payment never late. its incorrect. 
XXXX XXXX  Opened XXXX, XXXX. This was not my account i wasnt sure if my x husband opened this. But not my account it needs to be removed. 
XXXX. XXXX XXXX XXXX XXXX XXXX unsecured loan opened in XX/XX/XXXX. XXXX reported late XX/XX/XXXX, XXXX, and XX/XX/XXXX that is inccorect. payment never late. used a different draft so payment was never late. 
XXXX. XXXX XXXX XXXX XXXX XXXX unsecured laon opened XX/XX/XXXX, XXXX reported late on XX/XX/XXXX. That is incorecct. never late. used different draft account. 
XXXX XXXX XXXX XXXX XXXX XXXX loan opened XX/XX/XXXX reported late XXXX that is incorrect. never late it is current they mentionoed hardship would cover current payment until XX/XX/XXXX and payment will be added to end of loan due to job loss. not deliquent. 
XXXX. XXXX accounts : XXXX opened XX/XX/XXXX {$170.00}, balance {$190.00} not my account at all. XXXX opened XX/XX/XXXX {$150.00} not my account. XXXX {$44.00} opened XX/XX/XXXX not my account, XXXX {$120.00} XX/XX/XXXX not my account. These are not my accounts I have XXXX XXXX and all my hospital bills are current. 
XXXX. XXXX accounts XXXX XXXX XXXX XXXX {$1200.00} opened XX/XX/XXXX, XXXX not my account believe my x opened this account not sure. 
XXXX. XXXX account XXXX XXXX XXXX  {$800.00} opened XX/XX/XXXX, XXXX not my account believe my x opened this account as well. not really sure.
Consumer complaint received 2021-03-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IA)

I started disputing a late payment on XX/XX/XXXX with the bureaus. At that time, I did not receive any responses from them letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/XXXX and again on XX/XX/XXXX to request the investigation again. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either.