davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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 by such agency of ( 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 information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, IL XXXX 3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX 6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, IL XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : BXXXX XXXX XXXX
Consumer complaint received 2023-07-19
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Northstar Location Services, LLC (MO)

NorthStar location services is calling me and leaving voice mails, NOT stating they are trying to collect a debt. The only reason they are a debt collection agency is because I researched their company name. I have asked to only be contacted via email or certified mail. I DO NOT want to be contacted by phone. Their website makes it impossible to pay or set up an account without a reference number which I have never received. I have no way of validating this debt apparently without talking to them on the phone which i DO NOT want to do. Repeated phone calls with vague voicemails and not stating you are calling about a debt is a violation of the Fair Credit act!!
Consumer complaint received 2023-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem.
Consumer complaint received 2023-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (NJ)

In XXXX of XXXX we opened our Synchrony Care Credit Card account with 0 % interest payments through our XXXXXXXX XXXX office for XXXX for me. Our payments were XXXX XXXXXXXX. We paid {$150.00} every month interest free until it was paid off. As far as I am aware, there was no specific timeframe in which a balance had to be paid off. On XX/XX/XXXX, we put another round of XXXX, this time for my daughter, on the card for {$3400.00} and have been paying XXXX XXXX   monthly. 

I never received mail statements from Care Credit. I never received email statements from Care Credit. Periodically, I would receive an email that payment has been received and what my balance was. I used the same credit card from XXXX for the XXXX purchase. Over the course of that period, I was issued a new credit card that had a different number on it. I was not notified that the 0 % interest would run out at the end of 24 months and that I would be back-charged the interest if I didn't pay off my balance. In XXXX, my balance due was {$840.00}. If I had known that I would then be charged interest, I would have paid the final balance of {$840.00}. In XXXX, I received a bill for {$2300.00}! They charged me {$1600.00} in accumulated interest with NO WARNING. This is a SCAM. Because I have automatic payments set up and we were on vacation, I did not review the statement until this month as I thought I had everything covered. My bill is now up to {$2300.00}!
Consumer complaint received 2023-06-09
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: JPMORGAN CHASE & CO. (CO)

Date of Transaction : XX/XX/2023 Total charge : {$280.00} Refund requested : {$280.00} Refund received : {$100.00} credit at XXXX Outstanding refund amount : {$180.00} Hotel that I booked with through XXXX : XXXX XXXX XXXXXXXX XXXX days before my check in, I saw multiple 1 star reviews posted stating that no one was at the check in desk when guests arrived and people waited XXXX min-over an hour for someone to show up and check them in. There were also multiple reviews stating that the family suite ( which I had reserved ) was not two separate bedrooms with a shared bath as advertised, but instead a tiny room with two double beds and bathroom with no door on it.

The hotel had no option to send them a message, and only a phone number was provided on my reservation confirmation and booking as the only way to contact them. I called the number repeatedly over XXXX  days and when someone finally answered, it was not XXXX XXXX XXXX, and the person said they repeatedly got calls looking for XXXX XXXX XXXX, but the hotel was providing an incorrect number. At that point, I called XXXX and asked them to cancel the reservation and provide a refund- they tried to contact the hotel, and also had the same experience of having the wrong number phone and no way to contact the hotel. The night before I was supposed to check in, this was still not resolved, and did not feel safe taking my family there, so I booked another hotel and stayed there. 2 hours before my original check in time, I finally received communication via email from XXXX XXXX XXXX with a different phone number than had been on all previous communications and on my booking confirmation page. At that point, I was already staying at the other hotel. 

I have contacted XXXX XXXX times since then, waited on hold/spoken to customer service reps for a total of XXXX hours, and they refuse to refund me the full amount because the hotel wont refund them. They have given me a {$100.00} coupon only at XXXX. This in unacceptable. They need to remove this hotel from their site and refund me the full amount. 

I then tried to dispute the transaction with my credit card company ( Chase ) and they told me that they were unable to even file a dispute because I didn't try to cancel within the cancellation policy. I wasn't made aware of these issues until a week before my stay ( I didn't try to call the hotel until then ), and the cancellation policy was 30 days in advance, so this should be irrelevant to the dispute. 

I'm attaching my email confirmation and a print out of my XXXX booking confirmation, both which show the fake phone number they provide.
Consumer complaint received 2023-07-04
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. (GA)

There is a fraudulent inquiry on my TransUnion Credit Report, from XXXX- Inquiry Date : XX/XX/2023. I have attached a letter from the credit, showing that this inquiry should be removed effective immediately. Please accept this official letter as evidence to remove this fraudulent inquiry from XXXX Inquiry Date : XX/XX/2023.
Consumer complaint received 2023-06-09
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: Experian Information Solutions Inc. (TX)

THIS ACCOUNT GIVING ME XXXX  I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE.
Consumer complaint received 2023-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent. I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report.
Consumer complaint received 2023-07-04
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: Atlanticus Services Corporation (MI)

I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. I am disputing this debt because I do not owe it. My credit report was hacked & been userd and abused by someone else other than me because I have been incarcerated.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (WA)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : nquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I am writing to file a formal complaint against the XXXX major credit reporting agencies, XXXX XXXX, Experian XXXX, and XXXX XXXX, for violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2 - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I have identified multiple discrepancies and inaccuracies in the reporting of my personal information, including addresses, phone numbers, and employers, on my credit reports provided by these agencies. The only correct name and address that should be reporting are : Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX Pl XXXX, XXXX, IL XXXX However, the following information is inaccurate : Addresses : XXXX XXXX Pl XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX Pl XXXX, XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX Pl XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX : XXXX XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX ( XXXX ) XXXX - Residential Employers : XXXX XXXX XXXX XXXX These inaccuracies are not only damaging my creditworthiness but also infringing upon my rights XXXX a consumer seeking fair and accurate credit reporting. As per the FCRA, I have the right to dispute any information contained in my credit report that I believe to be inaccurate. 

I have requested these credit reporting agencies to investigate these inaccuracies and delete these entries from my credit reports in accordance with Section 1681s2 ( a ) ( 1 ) ( E ) of the FCRA. However, these inaccuracies continue to be included in my credit reports, damaging my creditworthiness and infringing upon my rights as a consumer.

I kindly request the CFPB to intervene in this matter and ensure that these credit reporting agencies comply with the FCRA. I also request that these agencies provide written confirmation of the removal of these inaccuracies within 30 days, as per Section 1681s2 ( a ) ( 3 ) of the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt action in rectifying these violations and upholding the standards set forth by the Fair Credit Reporting Act. 

Sincerely,
Consumer complaint received 2023-06-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: OPTUM BANK, INC. (NM)

This is a direct follow on to previous complaint # XXXX. 

Optum Bank continues to falsify records about when deposits to my XXXX are actually available. 

Yesterday, XX/XX/2023, my bi-weekly paycheck was issued, which included a {$110.00} contribution to the XXXX. Yet, this morning, XX/XX/2023, there's no reflection of that transaction ( see attached screenshot ). But I'm sure when the statement comes out at the end of the month, Optum Bank will show that the money was available on XX/XX/XXXX. XXXX other financial institutions that receive funds from my paycheck, and they all properly show funds available this morning from yesterday 's deposits. 

Furthermore, in the single email I received from the previous complaint, I was promised " updates as they become available '' but I never heard anything else from XXXX XXXX.
Consumer complaint received 2024-08-20
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. (MD)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-09
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)

Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, EQUIFAX used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. EQUIFAX reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.
Consumer complaint received 2024-08-20
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. (FL)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MI)

I sent a check and requested that the amount be applied to principal. Checks are allowed so long as they are made payable to the correct entity, which was the case here, " Rushmore Loan Management Services ''.

Rushmore is refusing to process my payment to principal as requested, alleging that a check toward principal is not allowed, which I know to be false.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to voice my concern regarding the unresolved issue related to my vehicle loan account, which was recently taken to court and subsequently settled on XX/XX/2023. It has come to my attention that despite the court settlement, XXXX XXXX XXXX has failed to update my credit profile with accurate and updated information. This action is not only unprofessional but also violates the provisions and rights outlined by the Fair Credit Reporting Act ( FCRA ). 

I would like to reiterate that the matter in question was brought before a court of law, where a settlement was reached, outlining the terms and conditions for resolving the dispute. As a responsible consumer, I have abided by these terms and promptly fulfilled my financial obligations as specified in the settlement agreement which was for the amount of XXXX. This amount was paid in court in front of the judge in the form of a cashier 's check. 

However, to my dismay, the inaccuracies regarding this account persist on my credit profile. This erroneous reporting has adversely affected my creditworthiness and financial well-being, hindering my prospects for accessing credit when needed. I believe it is within my rights as a consumer to have accurate information reflected on my credit report, as enforced by the FCRA. 

I have reached out to the creditor multiple times and nothing has changed or has been resolved. I have disputed this account with all XXXX credit bureaus and provided them court documents to prove the inaccuracies and it still came back as " VERIFIED '' by the creditor. 

I trust that you will address this matter expeditiously and amicably, understanding the significance of maintaining accurate credit reporting. I strongly believe that our dispute has been amicably resolved in a legal setting, and it is, therefore, imperative that the creditor uphold their obligation to report this correctly to the credit bureaus.
Consumer complaint received 2023-07-04
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. (NC)

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (PA)

Promotional offer was being offered and advertised by JP Morgan Chase Bank to open a NEW Checking account and have an Electronic Deposit made within 90 days to receive a {$300.00} Chase Checking Bonus. 

I open the account on XX/XX/2023 and received confirmation with a tracking number XXXX. I was provided both a routing number XXXX XXXX and an account number XXXX. 

I immediately scheduled to have my Social Security check deposited to this account in order to receive the bonus. SS notified me that the first deposit would be made on XX/XX/2023 well within the 90 day period to receive the bonus. I was even notified by Chase that I had until XX/XX/2023 to receive the Bonus dated XX/XX/2023. 

On XX/XX/2023 I accessed the Chase.com Web site to realize that the account was not established and that my SS Check that I depend on was not deposited to this account. I also checked the SSA.GOV website to verify that the check was sent by SS to the New Chase account. 

In contacting Chase customer service I was put in touch with XXXX a supervisor in the Customer service area. XXXX informed me that the checking account was cancelled due to NO deposits in 60 days. She also informed me that a SS check was received by Chase for the above account but could not be deposited since the account was cancelled by Chase. Her only solution to me was to open a NEW Checking account at that time where they would deposit the SS check but it would NOT be eligible for the Bonus that was promised. 

The purpose of opening the new account was to take advantage of the Bonus of {$300.00} that was to be deposited within 15 days of the electronic deposit. I advised XXXX to return the check to Social Security of which I have to now correct for my XXXX payment. 

There is NO mention in all of the Chase literature that I have that indicates that an account would be cancelled if there were NO deposit in 60 days. Everything indicated 90 days including SS Checks. 

I believe that I had been duped by this false advertisement and now left with determining where my SS Check is. I followed their procedure as advertised and now cheated out of the $ XXXX bonus as well. 

I believe that they could have reopened the original account and honored the {$300.00} bonus as advertised but they refuse to make any correction or offer any advise to correct this besides opening up a new account. 

I appreciate a resolution to this on Chase 's part with dcoffering me the {$300.00} as advertised and promised. 

I can be reached by XXXX Mail at XXXX or physical address of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Thank you, Respectfully, XXXX XXXX XXXX