davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-27
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information 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 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 2023-06-27
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information 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 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 2023-06-27
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. (WI)

While checking my most recent credit report. I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquires : 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 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give you permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

I also demand you, to produce a contract between you and I, Consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf. 

In the absence of any such documentation bearing my signature, I formally request these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have within 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act Section 611.
Consumer complaint received 2023-06-25
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. (IN)

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

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

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a 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 2020-04-28
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: LJ Ross Associates (MI)

On XX/XX/2020 I received a phone call from A manager at the LJ Ross and Associates. I was explaining to the manager on the floor that I wont be able to take care of this for awhile. The unemployment money I am receiving is going to every day necessities. I dont think she cared and wanted me to take care of the issue today. I told her to stop calling me and no more letters through the mail. Then I told her I was contacting the XXXX and she said that I could. Unfortunately the XXXX told me that this company deals with issues like LJ Ross. I also have an attorney that strictly handles harassment cases. I want this resolved before I contact my attorney
Consumer complaint received 2017-10-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

I have had a very difficult time with CHASE. I have applied for a modification 2 times and have been denied. The process with CHASE has been very confusing and dysfunctional. I always had to speak to different representatives, and never got the same answer. Now after 6 months of trying to save my home with a modification we have been given a sale date of XXXX/XXXX/XXXX. I feel like CHASE has a slow system and now has slipped in a sale date at the last minute.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MI)

In XXXX  of XXXX  I was applying for an apartment and they could not run a credit report because of a fraud lock on my credit. I had never placed a fraud lock or credit freeze of any kind. I tried making an Equifax account and the website blocked me, citing error code " NH ''. I reached out to Equifax and they asked for me to send a copy of my Driver 's License and SSN card to a XXXX XXXX so they could prove my identity. I never received confirmation that they processed my documents and called again where they asked for me to send my sensitive information through the mail again. I declined to do this and had my mother sign as a guarantor for my apartment to bypass this issue for the time being. Now to this year I am looking to move again. In XX/XX/XXXX, I attempt to make an online Equifax account and get the same error code " NH ''. Call Equifax again, mail my documents again, and wait. End of XX/XX/XXXXXXXX  I call and inquire about the status of my documents. The agent tells me I was misinformed by the previous agent I talked to and sent my documents to the wrong XXXX XXXX XXXX This agent gives me a different XXXX XXXX address and ensures me that it is the correct one. I hang up and call again to cross reference with another agent the XXXX XXXX address. They give me the same one as the agent I had just spoken to. On XX/XX/XXXX I send my Driver 's License and SSN card, along with a cover letter, to the new XXXX XXXX and wait the recommended 7 - 10 business days for them to receive and process my documents. I call back on XX/XX/XXXXXXXX  and XX/XX/XXXX, and they say to wait and that I can not talk to a supervisor because they will tell me the same thing. They only recommend that I send my documents again. I do not send my documents again and call back on XX/XX/XXXXXXXX  where they now tell me it will take 30 calendar days to process my documents. At this point I have sent all the information anyone would need to steal my identity through the mail 3 times to a XXXX XXXX that does not process my documents or at least send confirmation that they have received them. I have not been able to rent an apartment or apply for a credit card due to this issue. I have been given conflicting information from Equifax agents about XXXX XXXX XXXX, time lines, and whether or not I would receive mail confirmation. I have since made accounts with XXXX and XXXX XXXX without any issue, but the block from Equifax continues to prevent me from any activities that require a credit check. This issues is ruining my life.
Consumer complaint received 2023-06-27
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. (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 2023-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (IL)

A lot of my personal cards were stolen. There were accounts opened by someone who acted as if they were me. XX/XX/2016, a charge card was opened for the amount of {$300.00}. It was submitted to the credit bureaus as a charge off, I wasn't aware of this. 

Many other cards have been opened under my identify that I wasn't aware of.
Consumer complaint received 2023-06-27
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. (NJ)

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 deleted 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
Consumer complaint received 2023-06-27
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: EQUIFAX, INC. (GA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I AM A NATURAL PERSON. This dispute is not being made by a third party I am physically submitting this dispute as a real person. 

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 items. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-06-27
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

On XX/XX/2023 I was charged two times by XXXX XXXX for the amount of XXXX each. I was travelling in California at the time of these fraudulent charges. I was then charged another XXXX  each time on the following dates : XX/XX/XXXX, XXXX, XXXX, and XXXX of 2023. I noticed the charges and report the fraud on XX/XX/XXXX where I was temporarily credited the amounts back and I closed the card in question for safe measures. However the very next day of these fraud reports, CapitalOne banking still allowed another {$99.00} charge on XX/XX/XXXX, which was later temporarily refunded on XX/XX/XXXX. Then they reinstated XXXX of the XXXX XXXX} charges on XX/XX/XXXX, then XXXX last reinstatement of XXXX on XX/XX/XXXX. I have since attempted to work with the XXXX merchant instead and 1 piece of information they have requested is the 16-digit credit card number which neither I nor the bank can provide. After the huge upset of these fraud charges, I shredded and disposed of the card on XX/XX/XXXX. Now the bank states they can not further assist me with these fraudulent charges.
Consumer complaint received 2023-06-27
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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.
Consumer complaint received 2023-06-27
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: AMERICAN EXPRESS COMPANY (NY)

My friend referred me to apply for the American Express Platinum card on XX/XX/2023. I called the representative first to see whether I can receive the Welcome offer 150,000 points and whether my friend will receive the referral bonus points. The agent told me that I need to submit my application first and then they can tell me whether I am eligible. So I submitted my application and was approved right away. I called after my application was approved immediately to confirm if I will receive the welcome offer and got the confirmation that I was eligible to receive and my friend will receive the referral bonus points after 8-12 weeks. The points will be debited in my account after I spent {$6000.00} in first 6 months. 

To try to expedite the process of getting points, I spent {$6000.00} within 3 months. I called the American Express again during this 3 months to make sure I can receive the bonus points ( Otherwise, I wouldn't hurry to spend so much ). The agent confirmed again that I will receive once I meet the {$6000.00} purchases requirements. So I kept spending and reached the requirements in the third month after I opened the card. 

I waited over a month but the points are still not deposited in my account. I called American Express and they told me that after confirming with the promotion department, I am not eligible for the welcome offer and won't get the points. They didn't give me the detail reasons, just saying might be because my other existing American Express card or re-application of the same card but they are not sure. However, I never applied American Express Platinum card before, I called several times explaining the situations and phone conversation I had before which several agents confirmed that I will receive the offer. I told them that they can investigate the recorded phone call to verify, they agree to open the case and will get back to me within 8 days. I called after 2 weeks and they said the case was still open. I called again after another month and the agent told me they closed the case with original opinion. If I didn't call, I would never found out the result. 

So I decided to file the complaint against American Express for their misleading information and unfair treatment, if I wasn't guaranteed the welcome offer bonus points in the beginning, I would never spent {$6000.00} so fast and also paid lots of interest of purchase. Please help to investigate. Thank you.
Consumer complaint received 2023-06-26
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. (FL)

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 told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-06-27
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. (TX)

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. 

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 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.
Consumer complaint received 2023-06-27
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. (NJ)

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 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 2023-06-24
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. (WI)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2019-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: STERLING JEWELERS, INC. (NC)

My husband is in the military and in and out of the field. When he bought my wedding ring in XX/XX/XXXX XXXX XXXX stated he had a year until he had to make a first payment, he put $ XXXX down and had $ XXXX left to pay. We never received notices, emails or calls about " late payments. '' I called end of XXXX because I noticed they had my name completely incorrect and his name backwards. It wasn't until we started working with the VA home loans that they told us about what XXXX had put on our credit. As stated before my husband is in and out of the field. It took me months to be able to call on his behalf then they said I could only make payments not talk to someone in detail. Once again working with the VA I called XXXX XXXX AGAIN each time a month apart. They are reporting you past due every month and that they are showing an amount past due I asked why is it showing late when they told us he had a year to pay and why they haven't notified us of any late payments. They had his phone number wrong! I paid {$300.00} that day and asked to set up monthly payments. Fast forward to XX/XX/XXXX, VA is still saying XXXX has it as " late payments ''. So I call, they say the account is now closed and if I don't pay {$290.00} today its going to collections. I was outraged and said how I set up monthly payments and just paid {$300.00} and she informed me that no monthly payments were set up. I paid the {$290.00} and once again set up monthly payments. Our tax return came XX/XX/XXXX and I paid off the rest of the card, yet still have derogatory remarks on our credit report. I also kept stating how it wouldn't let us create an online account for me to be able to see all of this and track it and they had no explanation.