davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/2021 I did a XXXX transfer of {$350.00} through Chase and it end up being a scam. I contacted Chase and I opened a claim which was denied a few days after. I was asking for my money back due to the scam and the transfer being through Chase but still got denied.
Consumer complaint received 2022-12-20
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)

I recently discovered that I am the victim of identity theft. On XX/XX/2022, I sent a copy of the FTC report, my ID, proof of residency, and a letter identifying the fraudulent items that have been published to my credit report by Equifax without my authorization of consent. These documents were sent certified mail. The tracking number confirms that Equifax received these documents on XX/XX/2022. Federal law states that these items must be removed within 4 days of receipt. As of today, XX/XX/2022, 15 days have passed and these accounts are still being published on my credit report. The account with XXXX XXXX as well as XXXX incomplete collection accounts with no information furnished about the alleged original creditor other than them being labeled as collections, & 2 inquiries : XXXX XXXX BANK XXXX XXXX date XX/XX/2022 & XXXX XXXX A Inquiry date XX/XX/2022, which are all included in both the FTC report as well as the letter I sent, is still being published on my credit report. At this time, Equifax is acting in noncompliance with Federal law by continuing to furnish this information. I have attached all of the documents relating to this complaint including the FTC report, letter identifying all fraudulent items, ID, proof of residency, a screenshot that shows the incomplete fraudulent collection accounts being furnished & certified mail tracking history from XXXX.
Consumer complaint received 2023-03-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FinCo Services Inc DBA Current (IL)

My account was randomly closed for no reason on XX/XX/2023 and on XX/XX/2023 I got a direct despot sent to the same account in the amount of {$550.00} on XX/XX/2023 I reached out to them asking them what was going on they responded saying that they was investigating my account and they will give me an update on what was going on with my account since then I have reached multiple times regarding this matter and they keep giving me the run around on XX/XX/2023 they emailed saying they sent {$470.00} to XXXX and they have no further information from me I reached out to XXXX XXXX and they said they need a trace number to look up the funds so I reach back out to current ( XXXX XXXX XXXX ) they said stated they dont have a trace number and no further information to give me
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-04
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. (NJ)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2022-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc. (MD)

The Comenity Bank who is the provider for our XXXX XXXX XXXX XXXX My BJ 's Perks Mastercard has been having " system '' and " computer '' issues for the past month. Apparently, they were doing a system update and it did not go as planned. I have not been able to log into the website to check our account or make payments. When we call the number on the back of the credit card we are on hold for an extended amount of time. When we are able to get a hold of someone they can not access our account either and just say call back later. Also, there were fraudulent charges to our account at the beginning of XX/XX/2022, which caused Comenity to close our account and issue new credit cards. My wife received her new credit card but it was the wrong rewards level. We called and after being transferred and disconnected were able to get a hold of someone who said the rewards will be calculated correctly. It took us almost a week to resolve this issue. The one time I was able to log into our account online, approximately the week of XX/XX/XXXX, I sent a secure message about these issues but have not heard back. I have not received my new credit card yet. When we are able to finally get a hold of someone they said there are issues with the provider. Also, we have had to use our debit card to make purchases missing out on rewards and the {$0.00} off of gas at XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

I submitted a dispute with XXXX XXXX XXXX XXXX, and with all three credit bureaus for inaccurate and unverifiable information with a charge off the is being reported on my credit report. There is a charge showing with XXXX  in the amount of {$4.00}, XXXX- {$8300.00}, and Experian is reporting {$4000.00}. There are multiple inaccurate with this report. 

1. The balances dont match.

2. the late payments dont match 3.This account has not been verified by the credit burueas I asked them to send me a copy of the sell and what they for the vehicle, and a proof of debt them and XXXX XXXX failed to provide me with any of this information.
Consumer complaint received 2022-12-05
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. (DC)

On XXXX XXXX I submitted complaint to Trans union, XXXX And XXXX to make sure all of my accounts were properly investigated and to make sure everything was 100 % correct on my account. The credit bureaus stated XXXX XXXX, DPT EDXXXX, DPT ED/XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX, US DEPT EDXXXX US DEPT EDXXXX, DPT EDXXXX, DPT ED/XXXX  XXXX, XXXX XXXX XXXX and XXXX XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last activity is inaccurate, date last reported is inaccurate, account numbers are inaccurate, account type is inaccurate, balance is inaccurate XXXX comment section is inaccurate XXXX high credit limits are inaccurate, number of months ( terms ) is inaccurate and two year payment history is inaccurate. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit credit as well.
Consumer complaint received 2021-06-21
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: CITIBANK, N.A. (IL)

Dispute with Case # XXXX on Citi shows that it will be resolved by XX/XX/2021. However, it still has not been resolved and Citi is not communicating anything regarding the case.
Consumer complaint received 2023-08-10
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: WELLS FARGO & COMPANY (CA)

On XX/XX/2023, XXXXXXXX XXXX., I received a notification that there was a withdrawal in the amount of {$300.00} ATM Transaction and {$1000.00} ATM Transaction from a card ending with XXXX. It asked me to reply Y if authorized or STOP to STOP msgs. I replied STOP to but did not press Y to authorize the charges. Also, the card ending XXXX is not a card that was ever issued to me. Once I noticed I pressed stop and didn't respond with Y, I called Wells Fargo Customer Service and told them I had unauthorized charges and they were unable to help me because the Legal department was closed. I showed up in person to my local Wells Fargo Bank on the very next day, XX/XX/2023. The banker was able to confirm that two checking accounts were opened in my name without authorization from XXXX XXXX and that funds from my credit account were moved into one of the accounts and then withdrawn. I have received multiple decisions from telling me I am not liable to telling me I am liable for the fraudulent charges which has been very confusing and stressful. One of the employees from Wells Fargo is making accusations that the transfer was authorized from my IP address which is completely false. I also received a letter stating instead of {$4300.00} I have charges in the amount of {$6600.00} that were authorized by me and my claim has been closed. I have been meeting with the same banker and it's still ongoing locally. I really hope we can resolve this issue as I am XXXX XXXX XXXX and retired and I really want to resolve this as I live on a fixed income and shouldn't have to pay for something that was unauthorized on my account. Wells Fargo even claims you wont be held responsible for promptly reported unauthorized card transactions which I did that very night by calling customer service.
Consumer complaint received 2021-06-21
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: United Revenue Corporation (TX)

I do not know these account. These accounts has a lot of missing information to stand as a valid report. I urge your team to remove them from this report because they are really derogatory and it affects my scores badly. I can accept if they are true but by the looks of it it is surely not. I do not own or know these accounts. I demand an investigation and removal of these collections accounts that does not belong to me. The Monthly Payment, Terms, Credit Limit, Past Due and Date of Last Payment are missing in this report. I demand this will be deleted.
Consumer complaint received 2023-08-10
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)

In accordance with the Fair Credit Reporting Act 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 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-08-10
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)

This is XXXX of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX. Please delete this account ASAP.
Consumer complaint received 2020-05-06
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. (LA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items 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. XXXX XXXX XXXX XXXX XXXX XXXX {$2800.00} XXXX XXXX   XXXX {$300.00} XXXX XXXX XXXX  XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX XXXX {$750.00} XXXX XXXX {$1800.00} XXXX XXXX XXXX  XXXX {$7000.00} XXXX XXXX XXXX XXXX {$6000.00} XXXX XXXX XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$800.00} XXXX  XXXX XXXX XXXX XXXX {$7000.00}
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Transunion just closed their response to this complaint, but never resolved the issue. I just tried to get my credit report again, and I got the same response ( attached ). Their response says : We have reviewed your complaint along with the information you previously provided regarding this issue. Due to a system issue, your credit report was previously unavailable online ; however, the issue has been resolved. Consumers are entitled to one free annual credit report in a 12-month period. Reports are ordered online through www.annualcreditreport.com. Personal information is gathered and provided to the credit bureau. Once consumers are forwarded over to the TransUnion website, we do offer different credit monitoring products to consumers who would like to manage their credit report. The products are offers and are not intended to prevent consumers from obtaining their FACT Act Free Disclosure. There are certain conditions under which online credit file access may not be available for security purposes. Under these circumstances, however, you may typically obtain your credit report via telephone or mail. If you are having trouble ordering your credit report online through annualcreditreport.com, please contact them directly by mail at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  GA XXXX or by phone at XXXX. Please be advised, if you are still eligible for a FACT ACT consumer disclosure you may attempt another online request. In order to protect your privacy, we have mailed a copy of your TransUnion credit report to the current address we have on file for you. You can expect to receive it in approximately 7 business days. If you have any additional questions, please do not hesitate to call our Customer Service call center toll-free at XXXX XXXX XXXX XXXX Monday-Friday, XXXX XXXX XXXX XXXX XXXX ET or Saturday-Sunday, XXXX XXXX XXXX XXXX XXXX ET. For more information, please visit our Frequently Asked Questions page at www.transunion.com/consumerfaqs.
Consumer complaint received 2023-08-01
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: Experian Information Solutions Inc. (FL)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2022-11-25
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)

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

Here is the list of items that 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 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 alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2023-03-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (NY)

In XXXXXXXX XXXX XXXX  my XXXX insurance policy was up for renewal. They wanted to double my insurance payment due to an accident my son was involved in. Before the renewal was due I shopped around and went with XXXX insurance. I contacted XXXX on a 3 way phone call with my new XXXX representative and closed my XXXX account. A little over a month later they kept sending me bills as though I was still a client. I called them and told them I dropped them they insisted I didnt and claimed I had to send a form to prove I went with XXXX and dropped them. XXXX did on my behalf and then in XXXXXXXX XXXX XXXX they got a collection agency after me. I called the XXXXollection agency credit control services told them the situation and they asked me to forward the information to them of how I had insurance with XXXX and dropped XXXX and I did I believe 2 times. I recently seen it got dropped from my XXXX XXXX report but not from the others so today XX/XX/XXXX I called again and explained it all over again and although they were very polite and helpful they want me to pay the debt of {$730.00} which I do not owe. They even offered to knock it down and offered me a payment plan. I told them I appreciate you offering me this but I do not owe XXXX a thing and Im not paying them at all. I asked if she could help me settled this with XXXX and she said all she can do is offer me payment options. I think this is absurd what XXXX is doing. i No longer use them I dropped them and did it before my renewal was due and they were notified more than once and still they continued to charge me. I hope this matter gets resolved with your help. Thank you
Consumer complaint received 2022-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (FL)

Do not trust XXXX XXXX XXXX even if their representations to you are in writing. XXXX XXXX XXXX of XXXX XXXX XXXX filed a lien against me on behalf of American Express. In XX/XX/XXXX, XXXX XXXX XXXX ( on behalf of Amex ) and I agreed to a written settlement, whereby all liens would be released upon payment of the settlement amount. I paid the settlement in full more than 78 days ago. Both Amex and XXXX XXXX XXXX confirmed receipt of the entire settlement payment. However, despite my numerous requests of XXXX XXXX XXXX to file the necessary paperwork to release the lien, they have not done so. It is one excuse after another. As of this morning ( XX/XX/XXXX ) the lien was still effective. 

I want Amex and XXXX XXXX XXXX to file all necessary paperwork with any government entity that is necessary for Amex and XXXX XXXX XXXX to release the lien.
Consumer complaint received 2022-11-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (SC)

I Entered into a forbearance program due to XXXX with my Mortgage company Truist. As the forbearance XXXX started to come to an end I reached out to Truist and informed them I had applied for the SC cares act homeowner rescue program at which time I was advised by one of there home preservation specialist to wait until I had confirmation if I was accepted or not in the program and then call them back and let them know. Instead they immediately moved forward and tried to foreclose on my home. Upon being notified I was accepted into the homeowners program and immediately contacted the the lender at which time a stay was put on the foreclosure until mid XXXX so they could verify and receive the funds. 
I received confirmation that the funds were sent to the lender in the amount of {$23000.00} on XX/XX/XXXX of XXXX Ive tried calling the lender to see if the funds have been applied at which time I was told they have not received the funds yet. I called again in XXXX and asked if they had received the funds yet at which time I was told no they still have not received the funds and it wasnt until yesterday that I got confirmation from them that they did receive the funds and they have notes in their system from XX/XX/XXXX when the funds were received however they have yet to apply them to my account. so in the meantime they have begun the foreclosure process again and I have been getting harassing phone calls as well as process servers showing up to my house calling me trying to serve papers on me. All while The lender has had The funds in their account for over two months and has yet to apply them to bring my account whole instead theyve just sat on them. This constant harassment has brought undue stress and much aggravation to me all because of their inability to do their job and apply the funds in a timely fashion and this isnt the first instance Ive had issues with SunTrust/ Truist XXXX What They are doing is criminal and uncalled for and they need to be held accountable for this