davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (PA)

This company is not following the fair credit reporting act. I ask this company to attach the accurate information for the Bankruptcy on my this company keep saying it was verify. I never ask to verify that this information belong to me. CASE/REFERENCE XXXX my CASE/REFERENCE NUMBER is XXXX AND I BELIEVE THIS INFORMATION ISN'T ON THE CORRECT FILE. I simply ask to update and correct the information on my file that is being reporting inaccurately and nothing was done. Case number XXXX was giving to me and nothing was done. I am a XXXX  vet and I don't have a lot of money for a lawyer and I think this is wrong for this company to do this to people this is serving this country. I attached my name and social to show this discharge letter is not reporting accurately. I also showed how this company was reporting this after they sent me information saying they can't locate it but not this is was REMOVE and it's still being reported as verify i have proof this company is fraudulent.
Consumer complaint received 2024-12-20
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (FL)

I received a letter from Citibank stating that my missing miles XXXX were added during the XX/XX/year> statement cycle and that false. The amount of miles I received on XX/XX/year> statement was XXXX between purchases and bonus. I want my missing miles to be added to my Advantage account ASAP.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I was recently reviewing my credit report and realized that there were a number of inaccuracies such as misspelled names and addresses at which I no longer live and therefore do not correspond to my current address. 

The inaccurate information is as follows NAMES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Having this inaccurate data is affecting me personally because it is not allowing me to build credit and get credit.
Consumer complaint received 2022-02-09
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: NBT BANCORP INC. (FL)

To whom it may concern, Ref. NBT bank Account XXXX XXXX On XX/XX/XXXX at XXXXXXXX XXXX I paid the total amount due at the time, via phone, the customer service rep told me everything was fine and my next payment will be on XX/XX/XXXX. I specifically asked when was my next payment. ( Payment was made on XX/XX/XXXX their system reflects it on XX/XX/XXXX ). 

Unfortunately, they reported me on XX/XX/XXXX ( minus XXXX points on my score, this will appear on my records for 7 years ) on a Saturday, they were closed already. The information provided by the customer service rep was inaccurate and misleading as they did not say I was getting reported even though I paid. And I was reported after I paid. I placed a complaint through XXXX and they said the information was correct. If they cant return my points at least they have to say the true and add a note saying that they reported me after the account was paid. They damaged my credit, they do not address this issue either as I contacted them several times and they told me they were working on it, they were not they simple added more damage saying that their info was correct. I cant emphasize this enough they reported me even though the account was paid, they reported me after I paid. The information is not correct since they are not even making a note in my records telling that account was paid on XX/XX/XXXX however NBT reported it on XX/XX/XXXX, at least they have to give me that. Because XXXX the true. 

This was a loan for the education of my son, he is a special needs person. This is causing him tremendous stress, the past 2 years are been very difficult and the last thing we needed is something like this. He is dealing with XXXX  and XXXX. NBT actions were unnecessary, a total lack of respect for a customer and a display of an institution doing what they want without any regards for their customers or peoples lives. We are more than a number, we are people dealing with many different issues and regardless of that we ALWAYS paid. The account was paid, however they reported me because they have the power to do so. 

Enclosed are copies of my records ( phone call record when I made the payment, payment, credit report ). 

I look forward to your reply and a resolution to my problem and will wait before seeking help from a consumer protection agency or the XXXX XXXX XXXX. Please contact me at the above address or by phone at XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Fl XXXX
Consumer complaint received 2022-02-09
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. (GA)

I have new and updated information regarding my consumer report. 

I have previously disputed alleged accounts for XXXX XXXX XXXX XXXX  XXXX, XXXX and Department of Education however, Experian alleges it performed an investigation and the items I disputed were verified as accurate. Pursuant to 15 USC 1681a ( e ), an investigative consumer report was to be completed upon my request however it was not. Furthermore, neither Experian, XXXX nor any creditor can verify that any information on my consumer report is factual information. Only I can, as I am the consumer. I am verifying that the following accounts are not factual and must be blocked and deleted from my consumer report : 1. XXXX 2. Department of Education 3. XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX Experian must edit the reporting for the XXXX XXXXXXXX XXXX account and report as closed by consumer and adjust all late payments to show as paid on time/paid as agreed. Also report the balance as paid in full for the XXXX XXXX XXXX account. 

I also confirming that the late payment reported by XXXX XXXX is inaccurate and must be deleted and reported as paid on time/paid as agreed.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have a fraudulent account on my credit report from XXXX XXXX XXXX XXXX and I and I know it is from identity theft so I filed a identity theft report at the ftc and I have filed a police report and I see that XXXX XXXX XXXX XXXX has broken the laws because no creditor must not furnish any account that comes from disputed Identity theft. I demand for this account to be immediately deleted from my credit report due to credit laws of 15uscs 1682 c-2 that it shell be blocked and deleted in 4 business days. and attached is the identity theft affidavit report and police report and proof of my incarceration at the time that account was open. Please remove this fraudulent account off my credit report.
Consumer complaint received 2022-02-08
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Village Capital & Investment LLC (CA)

I have a XXXX home loan and My loan is with XXXX a sub mortgage company for Village Capital and Investment. I used the XXXX XXXX XXXX from XXXX of XXXX until XX/XX/XXXX. In XX/XX/XXXX I received a letter from XXXX in regards to Post Forbearance Options. I called and spoke with XXXX and he explained that XXXX accepts verbal agreements, so I agreed on the option of Disaster Extend Modification. XXXX also explained that after I pay XXXX " trial payments '' I will be out of my forbearance and into my modification. Today, after making full mortgage payments for 6 months in XXXX Dovenmuehle is telling me I can not the Disaster Extend Modification but instead a VA Disaster Modification which is explained in their document as a modification, " if you can not resume making the full contractual mortgage payment ... '' ( please see attached ). XXXX is insisting I accept the VA Disaster Modification, described as " If you can not resume making the full contractual mortgage payment you may receive a modification that changes your payment terms '' if I accept this modification it will not be truthful because I have made my mortgage payments for the last 6 months. In XX/XX/XXXX I have called XXXX several times, messaged them on XXXX, called the VA hotline and spoke with XXXX XXXX in regards to my mortgage, and spoke to someone with answers but still, the Dovenmuehle employees who call me have no authority to make decisions or have no understanding of the VA Loan Modification Options. I send an email to them requesting a modification plan and the only option they have for me is a plan that is described for people who can not make their mortgage payment and that is not me. They told me I have to call Village Capital Investments to talk to a manager and when I spoke with XXXX, she explained she can not make any decisions because my loan is with XXXX not them. The last week of XX/XX/XXXX, I spoke with XXXX, XXXX XXXX, and XXXX, and all of these employees could not assist me with ending my forbearance and explaining my modification options. They are telling me Village Capital Investment is refusing to modify my loan and is not giving me any options. I do not know who owns my loan because none of these companies are claiming my loan. 

Modifications options are not the only issue I am having with XXXX. They continually give me incorrect information. I have been told by several associates that my account will move to Village Capital Investment, and they have no explanation of why. Also, I am a 100 % XXXX veteran and XXXX pays my home tax and they still have not modified my loan.
Consumer complaint received 2022-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

RE : Adverse Action Dear JP MORGAN CHASE BANK Account number : XXXX I, the consumer and natural person, was denied credit and my account was closed without my consent by JP MORGAN CHASE BANK After I applied for a CHASE SAPPHIRE XXXX CREDIT CARD. Adverse action against a Consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k.You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by JP MORGAN CHASE BANK due to the response I received.JP MORGAN CHASE BANK is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore because my social security number, CHASE SAPPHIRE XXXX CREDIT CARD was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of JP MORGAN CHASE BANK. If JP MORGAN CHASE BANK fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit I will indeed make JP MORGAN CHASE BANK criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o. I will also follow up with an invoice for said violations ( { {$10000.00} } per violation ). 

Thank you, XXXX XXXX XXXX / Agent/Beneficiary Without Prejudice, All Natural Inalienable Rights Reserved.
Consumer complaint received 2022-07-06
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: AMERICAN EXPRESS COMPANY (FL)

I woke up this morning to XXXX new inquires on my credit report that I do not recognize all being on the date of XXXX XXXX XXXX XXXX AMEX XXXX XXXX XXXX XXXX XXXX I am not sure if any amounts for I received notifications of new inquires
Consumer complaint received 2022-07-06
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I woke up this morning to XXXX new inquires on my credit report that I do not recognize all being on the date of XXXX XXXX XXXX XXXX XXXXXXXX CAPITAL ONE XXXX XXXX XXXX I am not sure if any amounts for I received notifications of new inquires
Consumer complaint received 2022-06-08
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: CarMax, Inc. (IA)

n 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 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CO)

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I was looking into possibly buying a home and inquired with " XXXX XXXXXXXX XXXX XXXX '' who then passed my information on to XXXX XXXX. I wanted to have a conversation about the home buying process and get some questions answered. A XXXX XXXX of XXXX XXXX  contacted me and asked some short questions then told me he would put me in touch with his associate XXXX XXXX who would further answer my questions but to fill out the online application before my conversation. The form has you fill out all this information then goes on to mention after submitting all personal docs and income that moving forward gives permission to run credit. I thought, " well how/why would they run my credit before speaking to me. I send an email to both XXXX and XXXX that I do not want my credit run because I don't even know anything about you company nor the process, and I still have questions. XXXX replied to my email, " certainly. '' On XX/XX/2022, I had a conversation with XXXX and quickly determined that he was only interested in pressing me to move. I verbally mentioned to him again that I do not want them to run my credit because I was merely making an inquiry, gathering information about the home buying process to determine what my next steps were. He again agreed, then dismissively went on to ask me what my apprehensions were about buying a home. I explained I am researching the process and further into the conversation realized that I did not want to work with him and politely wrapped up the conversation with, I am not ready and still have some work to do. XXXX replied, " ok when you are ready, just give us a call and we can get going. '' On XX/XX/2022, I received an alert from my credit monitoring app which informed me that there was a hard inquiry. When I logged in, I saw that there was an unauthorized credit check for a mortgage through credit plus, and xacatus. I am disturbed by this and tried to call XXXX and he did not take nor return my call. I sent an email and he casually apologized then posted my credit score in the email and stated that " I was all good '' and " how would I like to proceed? '' This was underhanded dishonest of XXXX! XXXX XXXX  and XXXX XXXX are now known to me as company and mortgage lender that should not be trusted. I will never do business with them and I will warn others.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2022-05-13
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. (NC)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2022-08-18
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: Bread Financial Holdings, Inc. (NY)

I have been contacted the Comenity Capital bank several time about a refund check they need to send me, because Because I make and overpayment to pay off my Bj 's Master credit card for the amount of XXXX {$3400.00}. More than XXXX months has passed and still they do not solve the problem to send back my refund check that by mistake the payment made to them was duplicated. 

Now they says they mailed to me XXXX checks for the same amount of XXXX $ XXXX XXXX more than XXXX weeks but I have not received those check the sent it to me. and my account now show a balance of XXXX {$3.00}, XXXX and this is the amount they are suppose to refund to me. 
I spoke to several supervisor about this problem they have cause to me and they promise me to solve the situation and that I will received my refund check. but at this time nothing happened. 
Dates contacted : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and many others day and still the problem is pending. I sent a writing letter to dispute the charge made to my account that appear on XX/XX/XXXX XXXX on XX/XX/XXXX because they do not accept dispute transaction by phone only to make the costumer getting a hard time. Please help me to get my money back. Because that was a loan made to XXXX bank to pay off this credit card.
Consumer complaint received 2022-05-13
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. (FL)

I AM A VICTIM OF IDENTITY THEFT, MY INFORMATION HAS BEEN COMPROMISED, THERE HAS BEEN SEVERAL ACCOUNT OPENED WITHOUT MY VALIDATION. I AM NOW DEMANDING ALL OF THESE ACCOUNTS BE REMOVED/CLOSED BECAUSE THEY ARE DAMAGING MY BUYING POWER. I AM ASKING FOR THIS MATTER TO BE ESCALATED IMMEDIATELY. IF NOT I WILL FILE A COMPLAINT WITH THE FTC ACCORDING TO THE FTC 1970 AND THE XXXX.
Consumer complaint received 2022-05-13
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated mv 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 15 U.S.C 1681 section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;