davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-18
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)

This is my 9th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$660.00} XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance XXXX {$1100.00}
Consumer complaint received 2023-04-18
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: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/18 Balance : {$0.00}
Consumer complaint received 2023-04-18
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)

This is my 9th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX Balance : {$500.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$1100.00}
Consumer complaint received 2023-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I never received any information regarding there was an amount due on the account. I was then notified by email and text that I had a 30 day past due account showing on my credit report. Upon checking, I realized it was my XXXX account with a balance of XXXX. I immediately contacted them and paid the amount. I also explained that I had never received any correspondence regarding this. I pleaded with them to please have the 30 day late removed since this account had never been late. This one 30 day late payment dropped my credit score a whopping XXXX + points. I just feel that one oversight on a consumer 's behalf should not result in them being so harshly penalized. Not to mention, that if I had been sent some type of notification, I would have addressed this immediately. It was a mere XXXX bucks which I definitely could and would have paid prior to it being reported to the credit bureaus as a 30 day late payment.
Consumer complaint received 2023-04-18
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. (AR)

I have sent several documents highlight the inaccuracies on my accounts and the company has failed to fix these inaccuracies and it is effecting my credit score in a negative manner causing me hardship and hindering me from completing the final step of getting my home loan. I demand that all inaccuracies are REMOVED IMMEDIATELY!
Consumer complaint received 2017-12-14
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: EQUIFAX, INC. (TX)

On XXXX XXXX, XXXX, I sent the attached Certified Letter to Equifax. Per the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) Equifax is required by Federal law upon request through PHYSICAL VERIFICATION of the original signed contract any and ALL accounts on my credit report or they must be deleted.

I did not receive any PHYSICAL VERIFICATION proof of any of the accounts on the attached document and the accounts are still on my credit report, which means my request was completely ignored. This can not be completed by using XXXX XXXX is NOT PHYSICAL VERIFIABLE signed contract by me.

These accounts must be removed per FEDERAL LAW FCRA Section 609 ( a ) ( 1 ) ( A ).

I am again requesting PHYSICAL VERIFIABLE proof or the accounts must be removed immediately and NOT verified by XXXX.
Consumer complaint received 2023-04-18
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 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. XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$210.00} and XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$630.00}. Please delete. Also, this account was violating Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and delete it immediately in my report : XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}. Please remove.
Consumer complaint received 2023-04-18
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 2023-04-18
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2023-04-18
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. (NV)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : 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 2023-04-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Credit, Inc. (KS)

I GENUINELY dont know if this company is run by idiots, or if they really are the way that they act, but I just think that it is EXTREMELY funny that Ive contacted these people numerous times, to no avail EXPLAINING TO THEM THAT I DONT OWE ANY DEBT TO THEM OR WHOEVER XXXX XXXX IS XXXX!!!!!!! I dont know how many times Im going to have to say this to where they get it through their minds that I HAVE NO DEBT WITH THEM!!!!! And that because of their negative trade line that theyve just added to my credit reports, I will be having correspondence sent to their company detailing that as of XX/XX/XXXX they are hereby notified that litigation has begun against them and their subsidiaries. For falsely placing an erroneous debt against me on my credit, which has severely dropped my score and is preventing me from having financial freedom, so this is a notification that you all are being sued to the fullest extent of the law, and that my attorney has advised me to extend this one last offer before proceedings against you all commence. Stop trying to collect on this erroneous debt, as well as remove your fraudulent trade line from my credit reports ( XXXX, XXXX, & XXXX ) immediately. As well as any other parties involved, or you all will be sued for restitution, as well as for damages, leading to me missing out in past credit opportunities due to you all reporting a false debt, along with covering my legal fees as well. This is not a game or a joke anymore as legal proceedings will commence XXXX, XX/XX/XXXX if this is not rectified by then. This is your last chance to make this right, as my attorney has been guiding me through this process, detailing every step so that way when it comes time to seek judgment against you all, every attempt has been tried. This is your choice.
Consumer complaint received 2023-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CA)

Chase advertised a World of Hyatt Business Card with a specific promotion : Receive double nights for stays at XXXX completed before XX/XX/2022. 

After receiving credit for several stays, I believed the promotion to be working, but for my last stay of the year, which would have qualified me for XXXX status and bonuses worth thousands ( Globalist Status, 2 suite awards, and one free night at a Category 1-7 hotel ), Chase refused to provide credit for the 5 nights completed according to the advertisement. 

Through the Chase rep and their supervisor, they refused to file a request to correct or investigate, and instead sent me to various benefits departments that had nothing to do with Chase, further they explicitly stated this was a XXXX issue. 

Through several XXXX reps, I was finally able to get them to contact someone at Chase, but Chase continuously referred to the Terms and Conditions as to why I didn't qualify but never provided the XXXX XXXX XXXX after several requests. 

Chase 's reason was because I didn't use the specific card the promotion was signed up through, but upon review of my hotel stay, it was done on points ( which qualifies ) and had no accomodation charge which required a credit card. Further, I had several stays which used points or did not use the XXXX XXXX XXXX XXXX card and were credited the double nights. 

After contacting the hotel to have them change the card on file to the World of Hyatt Business card, Chase continued to cite Terms and Conditions and stated that the payment was after XX/XX/2022, therefore it didn't qualify ( the payment was for incidentals, and had no relation to the accomodation ), which is also misleading as the advertisement stated that it was contingent on the stay being completed before XX/XX/2022, not the payment. 

I believe Chase has created a system where they make benefits resolution impossible for consumers, and encourage them to go through so many hoops to receive the benefits they were advertised to receive, so they give up and are successfully defrauded. I believe this is purposeful, and the use of " Terms and Conditions '' without providing official terms and conditions, is also an act of fraud against consumers. 

Further, if this was XXXX 's responsibility, then they have lied to their consumers as well, and did not work with Chase with sufficient due diligence to advertise the offer correctly, or train their agents on how to resolve benefit issues.
Consumer complaint received 2017-12-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MI)

My mortgage documents specify that a late fee may only be assessed if a payment is received 15 days or more after the due date. My mortgage loan servicer, LoanCare ( NMLS # 2916 ), charged me a late fee of {$10.00} for making my payment due XXXX/XXXX/XXXX on XXXX/XXXX/XXXX. LoanCare attempts to disguise this practice by labeling their late fee a " draft fee ''. No " draft fee '' is charged if a payment is received within 4 days of the due date, a {$5.00} " draft fee '' is charged if a payment is received 5-9 days after the due date, and a {$10.00} " draft fee '' is charged if a payment is received 10 or more days after the due date ( or some similar progressive penalty structure ). The only reasonable explanation for the structure of these " draft fees '' is to penalize consumers for making payments after the due date, with the penalty increasing as more time passes. In other words, the '' draft fee '' is a de facto late fee that violates the contractual terms of my mortgage loan.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

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 reportsno consent is fraud. 

XXXX XXXX XXXX  XXXX Date Opened XX/XX/2014 Balance {$35000.00}
Consumer complaint received 2023-04-15
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/2023 someone attempted to open a new account under my name with Bank of America. I received a declination notice from consumer warnings. I called both consumer warning and Bank of America who put a flag notifying fraud.
Consumer complaint received 2023-04-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (CA)

Today, XX/XX/XXXX, I received XXXX mail from Chime that included a debit card for an account that had been set up. I believe this was fraudulent as I did not request this account be opened in my name. I emailed the Chime support account and was informed that my email ( the main email I use for all of my banking services ) was not connected to a current account, despite receiving a card from them, indicating that it was in fact a fraudulent account. I was instructed to call the Chime customer service, who requested personal identifying information that I don't feel I should need to share as it would give any scammer more access to my information. Without providing that information, Chime said they could not close this account. It may be worth noting that the account information shared in the letter connected with this card was for XXXX XXXX, which provides banking services for Chime.
Consumer complaint received 2023-04-18
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. (CA)

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. 

XXXX XXXX XXXX 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 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 XXXX XXXX ( 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.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Is reporting a debt of {$130.00} on my credit report and I am unaware of ever incurring this debt. I want proof that I signed for this debt or be removed from my credit report.
Consumer complaint received 2023-04-15
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: Bread Financial Holdings, Inc. (PA)

I have reached out the Comenity Bank several times regarding this issue... 
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 15 U.S.C 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 Dates of late payment reported without my consent was XX/XX/2022 and XX/XX/2022 XXXX
Consumer complaint received 2023-04-18
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)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

accordance with the Fair Credit Reporting act XXXX  XXXX Auto Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # 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 XXXX XXXX XXXX has been opening and closing this account repeatedly and it has been doing harm to my credit file. they have also are reporting that it is a installment loan I have sent letters XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and Experian and XXXX have done nothing, i deserve a complete and accurate file. XXXX XXXX has not sent documents requested