davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-26
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)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.
Consumer complaint received 2022-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the fair credit Reporting act XXXX XXXX XXXX Account # XXXX, had violated my rights. 

15 USC 1681 Section 602 States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

Yesterday I received an email from Synchrony Bank stating that the XXXX  MasterCard program was coming to an end and that next month, all XXXX MasterCards would be closed.

I did some research, and when this happened not that long ago with there Toys'R'Us card, they gave there card holders the option to change to a non branded Synchrony Bank Card . 

Today, I called and I spoke with one of there customer service reps XXXX, I asked if this was an option for my account, and his response was to just apply for a new one. I explained that closing out credit cards, hurts your credit score. I also explained opening new credit cards can hurt your credit score. He continued to read from a script. 

I understand that partnerships end, that being said, Synchrony has a history of offering alternative solutions. Why is it not being offered here?
Consumer complaint received 2020-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Santander Consumer USA Holdings Inc. (FL)

INCOMPLETE / MISSING INFO LETTER To Whom It May Concern, I am writing to challenge the reporting and compliance on an account with Santander Consumer USA that is being reported on my credit report with incorrect/missing info. 
More specifically, I am referencing the fact that you are reporting an incorrect account number, a missing field of usage, original balance, past due amount, and an inaccurate date of last update. Your improper procedures are highly damaging to my credit score. Please immediately delete this item.
Consumer complaint received 2021-08-02
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: JPMORGAN CHASE & CO. (MD)

please check the following accounts on my credit report, they are not mine, they are without any authorization Identity Theft DEPTEDXXXX Account Number : XXXX This is not mine. 

2. Identity Theft DEPTEDXXXX Account Number : XXXX This is not mine. 

3. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX BANK Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX BANK Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

I have been reporting inaccurate information and fraudulent information/date on my credit report and provided proof many times to Experian to remove or update my credit report. The information is removed and days later it gets put back on my report. I have reported inaccuracies many times but the inaccurate information reappears on my report.
Consumer complaint received 2022-07-20
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. 
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NY XXXX, BANK OF AMERICA XXXX, BANK OF AMERICA XXXX Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to XXXX or any means of automated verification. 

Please send me the results to the address listed above.
Consumer complaint received 2021-04-07
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. (NY)

Under 15 U.S. Code 1681b-Permissible purposes of consumer reports. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; ( 2 ) In accordance with written instructions of the consumer to whom it relates. I, XXXX XXXX, never gave Equifax any written consent to report anything on my credit report. No consent is IDENTITY THEFT.
Consumer complaint received 2022-11-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC (SC)

Aldous & Associates, P.L.L.C. is lying about not reporting to the credit bureaus when they already have. 

I called and asked about settling when their client earlier offered me a settlement offer when I was hurt badly from an accident I wasn't at fault for. 

They refused to do anything settlement wise and hung up on me when I reminded them they were not the debt owners and I would attempt to negotiate with the original creditor due to their practices. 

I attached the proof of them reporting in XXXX and lying and said they haven't XX/XX/XXXX. 

They also lied about the frequency of emails when they told me they tried numerous times to reach out. I received 1 prior email ( proof of that is also attached. ) I was hurt and am finishing settling a car accident insurance case, I'm doing the best I can and I don't appreciate being lied to when making an effort to make efforts to settle due to my XXXX. 

I am also attatching proof of me attempting to work out a repayment plan with the original creditor today for a settlement price higher then the one offered in XXXX due to the circumstances.
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello I reached out to you all regarding a Bankruptcy being reported on my credit report. You all responded " The information provided to us through third party has been verfied to be accuarate and correct '' as a result this remains. 
Well this happned 8 times so i reached out to pacer and got a copy and the address below does not belong to me so the statement " The information provided to us through third party has been verfied to be accurate and correct '' Is neither accuarate or correct and you are violating my rights by failing to verify the information and refusing to delete negative inacurate information. 

I have included a copy of the findings
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/2022 a credit card account with XXXX XXXX XXXX XXXX. I didn't open this account> It has already been settled and closed. However, there is still the hard inquiry showing on the Transunion credit report. I would like to have this removed.
Consumer complaint received 2021-04-01
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Chrysalis Holdings LLC (GA)

My closing date was XX/XX/24. The Attorney arrived at my home with only one set of closing documents. I asked her about the copy for my records? She stated she only had one copy. I advised her I will follow up with the lender. I then emailed my loan officer who advised me he will send a signed copy once the loan package was received in his office. The rescission period ended on XX/XX/2021 and I have yet to receive a set of documents. I never had the opportunity to review the package during the rescission period. To date I have no idea where to send my payments or anything else for that matter.
Consumer complaint received 2022-07-08
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

To Whom It May Concern : In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I am not asking for an update, but I am demanding for this account to be deleted from my consumer report immediately because of these violations. 
XXXX  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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Please see screen shot below of inaccurate information being reported on my consumer report. 
Account Status for all three bureaus are not the same. High credit for all three bureaus is not the same. Credit limit for XXXX is missing but the other two bureaus have a number. Last reported date is all different across all three bureaus. Date of last activity are all different between XXXX and Experian and XXXX last active date is missing. Date of last payment is missing for Experian and XXXX but is being reported for XXXX. If you are getting the same information from the same creditor, why is the reported information on my consumer report all different or missing. High credit limit is vastly different across all three bureaus. These inaccuracies and incomplete missing information are a violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ). I am demanding a complete deletion of this account off my consumer file immediately. 
Please see screenshot of inaccurate and incomplete reported information below : if the creditor is furnishing the same info why is the information different and/or missing. Please delete. 
Warm Regards, XXXX, XXXX Without prejudice, all natural inalienable rights reserved.
Consumer complaint received 2021-02-24
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: CITIBANK, N.A. (NC)

There are two unauthorized inquiries on my credit report. The credit report does not have a contact phone number for the companies requesting my credit report. I tried calling from phone numbers on line to find out who and why these two companies are inquiring on my credit, but was not able to speak to anyone about this issue.
Consumer complaint received 2021-02-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Disputed information on my credit report through Equifax in XXXX and have yet to hear the results. By law I must be notified in 30 days or disputed information is removed. Disputed information still on my credit report and no notification or response from Equifax
Consumer complaint received 2020-11-12
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MO)

The CFPB needs to investigato the theft of {$500000.00} for a loan that was already paid select portfolio serving provided the title company with a payoff statement of {$250000.00}. The I have now paid twice this is in addition to {$38000.00} I paid to {$28000.00} I did not owe. However the correspondence I just received did not contain the check I expect from them for my proceeds it was a letter offering me options to bring the account current. I dont have an account but they have my money. they have had the proceeds from the sale of my house since XX/XX/2020. 

I DONT WANT A RESPONSE I WANT A CHECK!
Consumer complaint received 2020-11-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Card Receivables Fund Incorporated (IL)

4 credit card accounts opened in XXXX under my name. Had been sold to 4 debt collection agency since. The following account are : 1. UNIFUND CCR {$2300.00} / Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX ) 2. UNIFUND CCR {$4300.00} / Original Creditor : XXXX ( Acct. Last Four # XXXX ) 3. XXXX XXXX XXXX, XXXX {$2800.00} / Original Creditor : XXXX XXXX XXXX  ( Acct. Last Four # XXXX ) 4. XXXX XXXX XXXX XXXX {$4100.00} / Original Creditor : XXXX ( Acct. Last Four # XXXX XXXX My personal data was stolen and I am now being sued. These are not my accounts and I have called the credit bureau but have done nothing but put my account in fraud alert in XX/XX/XXXX. I can provide my credit information to prove my character as I have paid everything on time in the past. These account were all opened at the same time. I have called the creditors and they have not done anything to help me resolve these issues. No receipts or records were provided. When these occurred, I have just graduated school and could not afford the settlement they were asking and these were fraudulent. I am now being harrased by these debt collectors after years of not hearing about it. I've done all in my power to dispute these charges and I need help. I have filed a police report. Thank you!
Consumer complaint received 2020-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

Equifax put a credit lock and 3 year long fraud alert in my credit report and SSN. I had paid member services in XX/XX/2020 and no XXXX account showed cup on my file nor did I receive a phone call to request permission to remove the alert for XXXX. XXXX XXXX XXXX2020, exactly 2 months later Equifax inaccurately added a XXXX collection account on my report after all my accounts were paid off on my report, that shows this fraudulent was opened 2 months ago. This would mean that Equifax put it on my report knowing it was false information and reported false information for the lock, the fraud alerts, and membership alerts would have alerted me and the XXXX account is no where on file In their system. On top of this, they refused to allow me to report it after their error was discovered to protect the fraud and misconduct on their end. Equifax refused to allow me to report it
Consumer complaint received 2023-07-26
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Dear Sir/Madam : I am writing to dispute the accuracy of certain information contained in my credit report that was provided by your agency. I request that you review this information and make the necessary corrections to my credit report.XXXX XXXX  Unsecured loan with account # XXXX XXXX XXXX Credit Card with account # XXXX XXXX XXXX XXXX loan with account # XXXX XXXX XXXX Credit Card with account # XXXX XXXX  XXXX XXXX Unsecured loan with account # XXXX XXXX  XXXX XXXX Installment sales contract with account # XXXX XXXX XXXX Credit Card with account # XXXX XXXX XXXX Auto Loan with account # XXXX XXXX XXXX XXXX credit card with account # XXXX XXXX XXXX XXXX Auto Lease with account # XXXX XXXX Telecommunications/Cellular with account # XXXX XXXX Credit Card with account # XXXX XXXX XXXX  Credit Card with account # XXXX XXXX XXXX  XXXX Credit Card with account XXXX XXXX XXXX XXXX XXXX I believe that this information is inaccurate and incomplete, and I am requesting that your agency conduct a thorough investigation into this matter in accordance with 15 USC 1681a ( 2 ) ( B ) of the Fair Credit Reporting Act.Pursuant to 15 USC 1681 ( 2 ) ( B ) Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a " credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which states, " The term " CREDIT CARD '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. '' Notice, Congress said " ANY '' card.The credit card is my social security card. This is the credit card used to originate every consumer credit transaction ON MY CREDIT REPORT. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15chapter 41 I request that you review this information and make the necessary corrections to my credit report.Additionally, I would appreciate it if you could provide me with a copy of my credit report once the investigation is complete, as provided for under the FCRA.Thank you for your attention to this matter.
Consumer complaint received 2021-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

I do have chase credit card ( XXXX XXXX CARD ) they have a travel reward up to {$300.00} a year if you travel and up-grade to business i did travelled on XX/XX/XXXX business class ( my tickets was {$3100.00} ) on XXXX i sent my request to get my rewards credit, which they reply to me that they want a specific dates which it was including on my first message to them, I only travel once on XXXX we already know how tough is the year. 
so I called them and I did talked to some one and told them the date and the charges, he said ok you will get your travel reward with 1 - 2 bills then we my family got XXXX and we struggled and fights On XX/XX/XXXX I was preparing my Taxes for XXXX and have all my business charges and all expenses ready for my tax guy I DID FIND OUT THAT i DIDNT GET MY REWARD CREDIT from Chase I sent friendly Email to them was thinking there is no big deal and they will apologize and will give it to me they answered that they will not going to give it to me because I did not tell them the dates, and they informed me this I explained I did talk to someone on XXXX and give him the dates, but they refused to do so till now what make really thinking that they discriminating against me that my wife has a different acct with the same bank, she also travelled with my daughter and she request the travel rewards ( on the same dates ) and she get it and chase sent her a message that they approving it with no problem so sad that big bank like them don't consider the very special year we just had