davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-03
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: EQUIFAX, INC. (IN)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person.
Consumer complaint received 2022-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CT)

I sent them my letters a few times first letter in XX/XX/XXXX they completely ignored my letters then i sent over letters XX/XX/XXXX and still no reply on theses items i disputed on my report its like they are just ignoring me.It hurts when i have to spend time and money to write letters to them for them to not give a reply on the status of this and they were suppose to get back to me within 30 days. please help.
Consumer complaint received 2022-03-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-11-19
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: TRUIST FINANCIAL CORPORATION (AZ)

Loss mitigation drafts from insurance company sent to Mortgage holder for countersign and return for {$7000.00}, {$720.00} for repairs to property, originally sent in XX/XX/2020, and have had no return or contact from Mortgage holder, additional information regarding work appraisals submitted as requested in XXXX/XX/XX/2020, and still no return of funds as requested, document relieving Mortgage holder of lien against property not returned as account from service provider has been sent to collections. They are responsible for lien/negative credit reporting initiated against complainant.
Consumer complaint received 2022-03-11
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (TX)

I received information that on XX/XX/XXXX approximately {$210.00}, my Synchrony XXXX XXXX credit card was charged. I disputed this charge in XXXX, XXXX. The credit card issued denied my fraud claim stating I received benefit from this transaction. I attempted to call the credit card company and was not given any information as to why this claim was denied, saying only that they investigated the claim. I am wondering what kind of investigation was conducted. I was told by the fraud XXXX initially that the card was not used for the purchase, but that the stores are able to look up accounts if a person does not have the physical card on them. I believe somebody with my personal information used this to their advantage and caused a charge to be made to their account.
Consumer complaint received 2020-11-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

I originally opened a complaint last year about XXXX XXXX taking funds out of my account without my consent. I contacted XXXX XXXX to fix things, and they claimed I had a 30 day period to cancel my service, and I wouldn't be receiving a refund. I then contacted my bank, and they gave me a temporary credit for a few days, then they took the money back, and gave me no explanation. I filed a complaint with CFPB, then I got a call from Chase Corporate, and never received a call back, or a resolution. No Explanation, case was never opened on my account. I have no idea where they went, or why it was buried. I've tried bringing it up to support, and have gotten nothing back from them either. So here I am again, filing another complaint. I have never used XXXX XXXX 's services. I simply visited for a tour. Nothing more, nothing less.
Consumer complaint received 2023-03-10
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. (LA)

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-10
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)

My name is 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-10
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. (TX)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be removed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2023-03-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

After reviewing my consumer reports Ive noticed that I have an account reporting multiple inaccuracies on my report. Three different account statuses, different account numbers, account openings dates, balances, last payment dates, and inaccuracies in payment history.The consumer reporting agencies have assumed an important role and have a responsibility to report consumers information correctly to the best of their ability with maximum accuracy. The account is for XXXX XXXX account number XXXX. Please investigate and provide proof with statements showing that these things on my consumer report are indeed accurate. If proof cant be provided I demand that this account be deleted off of my credit report.
Consumer complaint received 2023-03-10
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)

My name is XXXX XXXX, Around XXXX of 2022 I discovered a number of accounts on my credit report that turned out to be fraud and were opened online and in person in several banks/credit unions and department stores without my knowledge causing my credit rating to sink. I started to contact all institutions one by one and submitting documents to explain the situation including police and identity theft reports from government agencies. Most fraud departments were very helpful and resolved the matter within 30 days. I am now in the 9th month with a number of complaints in writing and by phone/messages with XXXX XXXX XXXX XXXX XXXX XXXX ) without any results. This credit union does not take calls to their fraud department so the messages I've left have had no response whatsoever, the letters and emails have had no response. After 8 months of trying-I finally got a hold of a representative that offered to check the status of my case and told me that my claim for identity theft was denied and the accounts were confirmed to be accurate because of matching email and phone numbers and other personal information..Now I'm no expert, but if my information was utilized by a thief it is obvious that the same information is going to be used to open whatever accounts the suspects were looking to establish. My emails and physical mail, etc.. were in fact compromised hence how identity theft occurred... In conclusion I am asking for help, since I wasn't able to resolve the matter with this banks own fraud department and found many levels of incompetence, malpractice, and negligence. If anyone knows what its like to go through the mere fact of trying to clear things with a financial institutions and then 8 months later being told the case is denied because information is matching with that of my own should understand that this department needs new staff and/or is mismanaged.. I will make further reports of this experience to all other agencies registered with state and government and will seek legal counsel if it isn't resolved.
Consumer complaint received 2023-03-10
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. (NY)

It has been brought out to my attention that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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
Consumer complaint received 2023-03-10
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. (MA)

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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
Consumer complaint received 2020-11-19
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (NJ)

Our mortgage was sold to Freedom Mortgage. Upon transfer, we were immediately contacted by their mortgage broker, XXXX XXXX, who advised that they can refinance our mortgage to a lower rate saving us money monthly, all we needed to do was come off of the COVID forbearance plan. He called relentlessly until we provided the information. We provided them with the documentation necessary and they hit a snag where the previous mortgage company did not provide FHA with documentation to close out our loan properly. We were instructed to contact the previous mortgage company but were not told what was needed and provided a deadline of a week and a half to get the information. Since that time I have been calling XXXX and the mortgage company to get answers but to no avail. He has not returned any of our calls and one of the associates tried to reach him while on the phone with me but received no response. An email was sent to XXXX and his supervisor and we still do not have a response. It seems as if they were trying to get us off of the forbearance plan so that we can pay them and now they will not assist us in getting back on. This feels like a scam.
Consumer complaint received 2020-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (CT)

I had a loan with XXXX XXXX that is now paid in full. The amount was roughly XXXX. In XXXX of XXXX, due to covid-19, I was granted 4 extensions. After granting me the extensions, XXXX continued to send me statements monthly. These statements, which I will provide, showed me what was owed for that particular month. I also could view these online. When I received my XXXX statement, the first one with a balance owed following the extensions, it showed that I owed XXXX with a due date of XX/XX/2020. I paid this XX/XX/2020. Following this payment, I was bombarded with statements and the amounts owed grew. I immediately contacted XXXX and was told that I owed this money and there was nothing they could do. I told them my monthly statements did not reflect this. I contacted them daily and was able to get them to correct the balance a bit but, they did not want to truly cooperate. I paid them 3 times in XXXX and the balance was paid in full in XXXX. I sent certified mail to XXXX to ask them to remove negative remarks from my credit report. I have filed disputes repeatedly. I am hoping if someone can look at these statements and see what I am talking about. I have never been 30 days late with them! This is their mistake and they need to rectify this. This has been extremely stressful and is going to cost me at least {$3000.00} in finance charges because of my current score with them reporting a late payment. I will pursue this further. They have also changed the late dates a few times on my credit report. First it was XXXX, then XXXX and finally XXXX. The first statement reflecting an amount past due does not even correspond correctly with the previous statements.
Consumer complaint received 2020-11-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

See attached letters from Capital One. Capital One closed the accounts on XX/XX/XXXX due to theft and the subsequent fraudulent payments. Capital One then charged off the accounts in XX/XX/XXXX. Then On XX/XX/XXXX, Capital One stated We are pleased to inform you that your dispute regarding the account balance on your Capital One account has been resolved in your favor. We have credited your account. Then starting in XX/XX/XXXX, Capital One claims they found no signs of fraud and the denial of fraud continues to this day. And then one card was sold off. Why was just one card sold? 
I do not understand. If accounts were adjusted due to theft and fraud ; why was fraud denied? And why were cards adjusted after charging off? I was not given the opportunity to continue paying the card debt that was mine? I could not and can not afford the lump sum.
Consumer complaint received 2023-03-10
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to the 3 bureaus directly through this platform. Here are the accounts that are erroneous in my file and need investigation : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-10
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2020-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (TN)

I was fraudulently charged {$560.00} on XX/XX/XXXX for something in XXXX XXXX XXXX. This place is in California and I have never been in California before because I live in tennessee. I have continuously called chase about this every day since XX/XX/XXXX and they keep hanging up on me. I never made this charge and I dont know how some random person in california could have even made this charge. Chase has done nothing to be transparent and the person in charge of my case named, XXXX XXXX XXXX XXXX XXXX extension : XXXX ) has never picked up any of my calls.