davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-30
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (FL)

For the past 3 months, I have made every effort to resolve my account issues with XXXX. Despite complying with payments and attempting to honor the original agreement of 0 % APR for 1 year, XXXX refused to uphold the terms. I repeatedly reached out via phone, email, and branch visits to discuss a payment arrangement, but no offers were made. 

Today, XX/XX/year>, I discovered my credit card was charged off despite my ongoing payments and efforts to negotiate. Additionally, XXXX removed my credit card from my online account, deleting all the messages I had written to them, seemingly to cover up the fact that I had been actively trying to arrange a payment plan. When I contacted customer service, I was told the account was in collections and that I " should have tried more. '' However, I did everything possible while balancing my work obligations. 

The agent mentioned the charge-off could only be overturned if it was a bank error, which it issince I have been in compliance. XXXX can not simply charge off an account when I was trying to get the 0 % APR honored and set up a payment plan. 

This situation is completely unjust, and XXXX actions do not reflect my consistent efforts to resolve the issue.
Consumer complaint received 2024-09-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: First Technology Federal Credit Union (VA)

Opened a First Tech checking account under these terms and have not been paid out the XXXXXXXX XXXX bonus " First Tech Federal Credit Union is offering a bonus {$300.00} when you open a new checking account and complete the following requirements : Set up a new payroll direct deposit to your First Tech Rewards Checking of $ XXXX per month for a minimum of XXXX months Opened XXXX XXXX Direct deposit {$1000.00} XXXX XXXX Direct deposit {$1000.00} XXXX Direct deposit {$1000.00} XXXX Called XX/XX/XXXX will receive bonus at XXXX XXXX XXXX  XXXX, end of XXXX, early XXXX Called XXXX. Said the bonus will post by XX/XX/XXXX Called XX/XX/XXXX was sent to payments department. Will get a call back in a week Called XX/XX/XXXX should have been paid early in the month. Was gon na send to back office. Said I was gon na file a CFPB complaint because I'm not getting a clear answer or any call back on the issue.
Consumer complaint received 2020-04-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

Previously I sent in a complaint request because I am asking my mortgage company SPS to allow me to pay my own escrow account. ( Taxes and Insurance ) They sent you an older value than the current value of the home and you closed my complaint based on that information. With my new complaint, I am attaching proof of my home 's current value from both XXXX and XXXX. Please disregard the OLD information SPS is trying to use as FALSE PROOF and have them to allow my request. This company SPS is not being honest with me or you. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-04-24
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: EQUIFAX, INC. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have made several requests to have the negative accounts on my report to be reviewed. XXXX, XXXX, and Transunion is reporting a charged off account thats inaccurate, incomplete, and unverifiable, which is hurting my financial credibility. 1681 ( b ) says I have the right to dispute any inaccurate information on my report. XXXX XXXX  is unverified, incomplete, and inaccurate. I have never been associated with the address this credit card account was created under. The payment history, address, balance, and activity are all inaccurate for this XXXX Account beginning with XXXX
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

When looking over my recent credit reports I came across some accounts XXXX XXXX XXXX  amount {$6800.00}, XXXX XXXX amount {$3000.00} that i dont recognize. Ive tried disputing the account because im currently trying to purchase a home and nothing has been sent back to me as far debt validation or updated credit report. This Agency is in violation of This agency is in violation of 15 USC 1692g section 3. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor only i can validate this debt. i do not validate this debt. My information was also involved in a data breach.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

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 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XX/XX/XXXXXXXX Balance : {$11000.00} XXXX XX/XX/XXXXXXXX Balance : {$770.00} XXXX XXXX Balance : {$0.00} XX/XX/XXXXXXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX Balance : {$370.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and addresses I do not recognize are continued here. 
XXXX XXXX XXXX Balance {$3800.00} BANK XXXX XXXX XXXX Balance {$1500.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance {$890.00} XXXX XXXX XXXX Inquired on XX/XX/year>XXXX XXXX XXXX XXXX  Inquired on XX/XX/year> XXXX XXXX Inquired on XX/XX/year>XXXX XXXX XXXX XXXX Inquired on XX/XX/year>
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2020-04-26
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. (CO)

I have been trying to remove a Fraudulent Credit Card Account from my credit report since I discovered it in XXXX of 2018. It was used without my knowledge or authorization I filed a police report as well as an identity theft report with the FTC. I have provided both these documents to the credit bureau and to Chase despite my following through with all the guidelines set forth by the FCRA Chase has continued to report this account incorrectly on my credit report. It is illegal to continue reporting an identity theft account to the bureaus as standard account. Chase refuses to accept my police reports and FTC information and continues to illegally report the account. 
This card did not show up on my original credit report so I did not know it was being accessed. When chase first contacted me I thought they were contacting me about another card. Their representative literally tried to trick me into accepting responsibility for the account that was not mine. Then called me a liar, and tried to manipulate me into saying things that were not true. I am not responsible for the charges on this account and Chase refuses to admit that. As a result, i have suffered significant financial losses, from higher interest rates, failure to qualify for loans, and a multitude of other things all because a representative at chase decided she wanted to manipulate what I was saying to make up a story that was not true. It was highly unethical, a business should never call their customer and try to manipulate them into saying something so the bank is in a better position to sue them. I am not responsible for this debt so chase has collections officers call over and over and ask different questions trying to manipulate me into saying something they think makes me responsible for the debt. 
Despite what stories they want to make up I am not responsible for these charges. I would really like them to stop reporting inaccurate information on my report.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

The following companies XXXX, XXXX XXXX, XXXX XXXX, and XXXX have placed accounts on my credit report without first giving me the opportunity to challenge the debt. Also, these collections are reporting as " open '' or " closed '' and should be immediately deleted pursuant to 15 USC code 1681S-2 & 1692G. I have disputed the accounts mentioned with all XXXX credit bureaus and they have reported that all accounts disputed have been verified for accuracy. However, the credit bureaus did not provide the verification methods used within the 5 day timeframe. According to FCRA section 605b it is illegal to report information on my credit report without my permission. I will pursue all legal remedy pursuant to 15 USC 1681n ( Civil Liability for Willful Noncompliance ). I am requesting that all collection accounts be immediately removed from my consumer credit report and an updated copy of my report mailed. 

XXXX - Acct # XXXX XXXX XXXX  - Acct # XXXX XXXX XXXX - XXXX - Acct # XXXX
Consumer complaint received 2020-04-27
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: Experian Information Solutions Inc. (FL)

I noticed a few hard inquires on my credit reports that I do not recognize. I mailed the 609 letters to each bureau on XX/XX/XXXX, I never heard back. I then submitted the 30 day letter to comply and still no answer. The credit bureaus are reporting inaccurate information on my credit report and I demand an investigation. They are not upholding the law and the statues and I would like a complete investigation.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

On XX/XX/year>, I reviewed my credit XXXX, XXXX and Experian credit reports. After contacting XXXX XXXX  numerous times and disputing this inaccurate account which is not mine over five times previously, I notified XXXXXXXX XXXX in writing ( see Letter uploaded with this complaint ) that this is not my account and I am a victim of identity theft. Sent filed copy of FTC theft Affidavit and Police Report along with my identification ( driver ; 's license, Social Security Card, and utility bill ). After numerous calls and writing dispute letters that this is not my account the inaccurate, negative account remains on my credit report and is affecting my ability to get new credit, apartment and car.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SYNCHRONY FINANCIAL (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

What happened ( statement of pertinent facts ) : I am a victim of identity theft Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at 1.XXXXXXXX {$510.00}. 2. XXXX XXXX XXXX {$500.00} ( collection account ) 3. XXXX {$7800.00} 4. XXXX XXXXXXXX XXXX {$45000.00} XXXX. XXXX XXXX XXXX {$5300.00} 6. National credit adjust {$1500.00} ( collection account ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Consumer complaint received 2020-04-27
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. (PA)

On XX/XX/XXXX, I sent a letter to Equifax disputing unauthorized inquires on my credit report. 

XXXX Date of inquiry : XX/XX/XXXX Its had been more than 30 days since I've received a response XX/XX/XXXX, I sent a second request demanding an investigation into the unauthorized inquiry listed above.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WA)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had a XXXX late payment on an account ( XXXX for XX/XX/year> ) when I in fact paid on time. There is no XXXX late payment in XX/XX/year> so a XXXX late payment in XX/XX/year> is impossible. 

The consumerreporting agenciesneed to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint ( see XX/XX/year> ). I am now requesting for you to investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand that these payments be updatedto 'paid on time ' immediately. Thank you for yourunderstanding and prompt action in this matter.
Consumer complaint received 2020-04-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC (NC)

Fraudulent activity has incurred with this acct using my name because lady I spoke with ( XXXX XXXX ) & her supervisor ( XXXX XXXX ), with Sequium Asset Solutions, told me this acct had an email address attached to it ( XXXX XXXX of which I've never opened an email acct by this address in my name, nor have I ever had an account with XXXX XXXX ( the original account holder ). I initially disputed this debt collection through XXXX, in which the negative account was finally removed after filing a fradulant claim & attempting to clear up this account through Sequium Asset Solutions on XX/XX/2020, in addition to filing a dispute with XXXX  & a complaint with the XXXX ( followed up with " several '' moderated interactions between me & Sequium Asset Solutions ). My credit score with XXXX  dipped to XXXX because of this, in which it's now XXXX after negative account was removed. However, it has come to my attention that I now have the same negative account, reported by Sequium Asset Solutions, on my XXXX  & XXXX credit reports, of which neither credit reporting agency has removed this account because Sequium Asset Solutions is refusing to have it removed and is still saying this is my bill, which it is not. Thus, since this negative account has already been removed from XXXX, I'm requesting it be removed from XXXX  & XXXX also. Furthermore, I never received a debt collection notice from Sequium Asset Solutions on this bill, nor have I ever received a bill from XXXX XXXX, and only learned of this debt collection when checking my annual credit. Thank-You ... XXXX INFO ATTACHED TO BILL ( info given to me by Sequium Asset Solutions ) : Address : XXXX XXXX XXXX XXXX 
XXXX, KY XXXX XXXX Acct # : XXXX Amt :  {$680.00} Original Company : XXXX XXXX Collections Agency : Sequium Asset Solutions ( XXXX ) XXXX
Consumer complaint received 2020-04-27
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (VA)

Transworld systems inc located in XXXX va has gotten a hold of my number and I never gave my number to them which is wrong. they calling about the XXXX XXXX  debt that I have tried resolving with XXXX XXXX but they never called me back, this Transworld system is attempting to collect a debt in the midst of a crisis which WRONG!!!! I told them I can pay {$30.00} a month only and they tell me that's not going to work.
Consumer complaint received 2020-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

So Ive noticed that my credit file have incorrect information on it. I have contracted Experian over 8 times they declined to remover the last two. After removing none the first 6 times. I would like for you to assist me on removing this its hurting me. It was 6 bankruptcies reported to a social security number that does even match what they have on file for me. The public records that they got from XXXX Isnt even my information that Experian place on my file the last 4 digits of the social is wrong. I have notified them of this they still havent removed it. And I have wrote them multiple time they have yet to remove all of them. I just want you to help me with the whole removal process. I have wrote them letters and contact then via email and app.
Consumer complaint received 2020-06-09
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: Commonwealth Financial Systems, Inc. (TX)

Commonwealth finance is a collection agency and committed fraud on my credit report they said that I have an outstanding loan with XXXX XXXX XXXX for the amount of around {$160.00} that is fraud it is not a loan XXXX XXXX XXXX is a hospital and I would like to have my credit stored to where it was it was back in XXXX when I seen this on my credit report it has dropped my credit 100 points for no reason it is not a loan it is fraud My credit came down from around XXXX XXXX  because of fraud commonwealth finance is fraud