davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-04
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. (GA)

On XX/XX/year> I sent a letter to Trans Union requesting that they remove inaccurate bankruptcy information that is being reported on my credit report. 

They responded that the information was verified and that it would not be removed. 

I sent a follow-up letter on XX/XX/year> requesting for the second time that they remove this information. 

TransUnion, stated that this information would remain and they will not investigate any further regarding this issue.
Consumer complaint received 2022-08-01
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. (PR)

I HAVE THIS SITUATION, XXXX XXXX XXXX IS REPORTING INCOMPLETE AND INACCURATE INFORMATION ON MY CREDIT REPORT. I SEND TO MANY LETTER TO THE CREDIT BUREAUS WITH NO REPONSE OF THIS ISSUE, THEY KEEP SAYING THAT THIS ACCOUNTS ARE VERIFIED AND THEY UPDATE THE INFORMATION, BUT IM STILL LOOSING INFORMATION ON MY CREDIT REPORT, FROM THIS COMPANYS, AND TODAY I RECEIVE A LLETER FROM THOSE TWO COMPANY SAYING THAT I DONT INDICATE WHAT SPECIFIC INFORMATION IM DISPUTING OR REQUESTING TO VERIFY, AND I SEND THE LETTER CERTIFIED WITH THE SPECIFIC ISSUES THAT THIS ACCOUNT IS REPORTING ON MY CREDIT REPORT. ACCORDING TO THE FCRA THEY NEED TO GIVE THE COSNUMERS AGENCYS THE CORRECT AND EXACT INFORMATION ON MY CREDIT REPORT, The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. 

ATTACHED I SEND THE DOCUMENTS THAT I SEND TO CREDIT BUREAUS, THE CERTIFIED LETTER PROOF AND THE LETTER THAT XXXX XXXX XXXX  SEND ME FOR THOSE 2 ACCOUNTS THAT IM DISPUTING. 

I KNOW THAT I NEED TO WAIT THE 30 DAYS FOR A RESPONSE, BUT I ALREADY RECIVE RESPONSE FROM XXXX XXXX XXXX THATS WHY IM SENDING THIS DISPUTE THROUGH THIS COMPANY. 

ATTACHED ALL THE LETTERS WITH THE DIFFERENTS DISPUTES AND THE SCREENSHOOT OF THE MOST RECENT REPORT
Consumer complaint received 2024-06-28
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)

PLEASE BLOCKED AND REMOVED. 
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.
Consumer complaint received 2022-08-01
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. (PR)

I HAVE THIS SITUATION, XXXX XXXXXXXXXXXX XXXX IS REPORTING INCOMPLETE AND INACCURATE INFORMATION ON MY CREDIT REPORT. I SEND TO MANY LETTER TO THE CREDIT BUREAUS WITH NO REPONSE OF THIS ISSUE, THEY KEEP SAYING THAT THIS ACCOUNTS ARE VERIFIED AND THEY UPDATE THE INFORMATION, BUT IM STILL LOOSING INFORMATION ON MY CREDIT REPORT, FROM THIS COMPANYS, AND TODAY I RECEIVE A LLETER FROM THOSE TWO COMPANY SAYING THAT I DONT INDICATE WHAT SPECIFIC INFORMATION IM DISPUTING OR REQUESTING TO VERIFY, AND I SEND THE LETTER CERTIFIED WITH THE SPECIFIC ISSUES THAT THIS ACCOUNT IS REPORTING ON MY CREDIT REPORT. ACCORDING TO THE FCRA THEY NEED TO GIVE THE COSNUMERS AGENCYS THE CORRECT AND EXACT INFORMATION ON MY CREDIT REPORT, The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. 

ATTACHED I SEND THE DOCUMENTS THAT I SEND TO CREDIT BUREAUS, THE CERTIFIED LETTER PROOF AND THE LETTER THAT XXXX XXXXXXXX XXXX SEND ME FOR THOSE 2 ACCOUNTS THAT IM DISPUTING. 

I KNOW THAT I NEED TO WAIT THE 30 DAYS FOR A RESPONSE, BUT I ALREADY RECIVE RESPONSE FROM XXXX XXXX XXXX, THATS WHY IM SENDING THIS DISPUTE THROUGH THIS COMPANY. 

ATTACHED ALL THE LETTERS WITH THE DIFFERENTS DISPUTES AND THE SCREENSHOOT OF THE MOST RECENT REPORT
Consumer complaint received 2024-08-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (AZ)

XXXX. On XX/XX/XXXX, the fraudster charged a XXXX XXXX ( {$1300.00} ) to our credit card ending in XXXX ( now cancelled ). The TV was picked up that day at the XXXX store ( XXXX XXXX XXXX XXXX, XXXX AZ XXXX ). The next day ( XX/XX/XXXX ), the TV was returned, and a credit of {$1300.00} was supposedly issued to our credit card. The charge on XX/XX/XXXX appears on our bank statement, but the credit does not. 
After we reported the fraud to our bank, XXXX initially credited us the {$1300.00}, but in our last card statement they have again charged us the {$1300.00} because we can not prove that we did NOT pick up the TV. There were three other fraudulent charges in the same time period for airline tickets ( probably the same fraudster ), but XXXX XXXX has credited us for those airline charges, so we are not disputing them. 

I have had 4 or 5 conversations with the Best Buy fraud and customer service departments, but was told I would not get a refund from them. I was told repeatedly that they identified the fraudster and gave him a gift card for the amount of the TV ( is this standard practice at Best Buy!? ). The departments have also told me several times that I would get an email in 24 to 48 hours describing the fraud and steps to take to get a refund, but no email has been forthcoming. 

The Best Buy fraud department created a case ID numbered XXXX and the Corporate Offices created a case ID numbered XXXX for this fraud. They obviously will not share those with me, but they can share them with law enforcement. The identity of the fraudster is supposedly in those documents. 

I am attaching three emails sent to my wife ( she has never had an account at Best Buy ). One shows the confirmation of the fraudulent order. A second one shows that the order was picked up. A third one shows that the TV was returned the next day and a refund issued to our credit card ( which never appeared because the fraudster got a gift card instead ). Another email, not uploaded, indicates the fraudster got a XXXX XXXX XXXX with the gift card ( the corporate customer relations person told me that the XXXX XXXX was picked up at the XXXX store ). I am also attaching a copy of our XXXX XXXX statement showing the fraudulent charge on XXXX XXXXXXXX XXXX
Consumer complaint received 2023-04-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (KY)

On XX/XX/XXXX, I fell victim to fraud. I had received a text asking if I approved a {$5000.00} wire transfer. I then said no. Someone then called me pretending to be a representative from Chase and asking for the one time code that was sent to my phone to stop the wire transfer. Not ever having done a wire transfer I did not know I was not supposed to give the code out there for giving them access to my account to send themselves money. I have filed a complaint with Chase and they denied the claim because it came directly from my account because I technically gave them access without knowing that it was not a real representative. I also have filed a report with the FBI and they said that also was not enough. The amount was for {$2500.00} but after processing fees it was XXXX. I have never made a wire transfer the whole time I banked with the institution, nor have I ever made a payment to the recipient. They said they know its fraud but because I gave them access unknowingly, there was nothing that can be done. I have called and checked in 3-4 times out of the week for an update & as of today somebody from corporate said even with the FBI report XXXX most likely will not be getting it back.
Consumer complaint received 2024-07-05
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. (NY)

I just reviewed a copy of my credit report and noticed 2 accounts from XXXX XXXX XXXX. One is a Credit Card account opened in XXXX XXXX  with a balance of {$5000.00}, and the other is a loan account opened in XXXX XXXX  with a balance of {$2600.00}. I have never heard of this company, nor had any credit card or loan accounts with them or their original creditors. I am a victim of Identity Theft and these accounts are fraudulent.
Consumer complaint received 2024-07-13
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: Experian Information Solutions Inc. (TX)

I got copies of my XXXX and Experian and XXXX XXXX XXXX XXXX XXXX is falsely reporting on my credit report wrong payments and payment amounts they are breaking laws of section 603 of the fair credit reporting act by reporting my information with no scheduled payments ever they just are reporting wrong information credit reporting and the type account they are reporting is wrong too either it's revolving or installment they are reporting cellphone agencies are sending it back to me verified and accurate how could it be accurate if no payment schedule was ever reported XXXX XXXX is also breaking Texas state law by actions as a collection agency thier for they are breaking Texas sate law by not being registered as a debit collectors Section 392.101 of the Texas Finance Code prohibits a debt collector or credit bureau from engaging in debt collection in Texas unless the debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. I also have sent copies of ftc ID theft afitdavit
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am writing to formally dispute several unauthorized inquiries made on my credit report as listed below. These inquiries were conducted without my authorization and have negatively impacted my credit standing. 
XXXX. XXXX XXXX XXXX Reported Date : XX/XX/XXXX & XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Reported Date : XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX XXXX. XXXX XXXX Reported Date : XX/XX/XXXX & XX/XX/XXXX XXXX. XXXX XXXX XXXX Reported Date : XX/XX/XXXX XXXX. XXXX XXXX Reported Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Reported Date : XX/XX/XXXX XXXX. XXXX XXXX Reported Date : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX & XX/XX/XXXX XXXX. XXXX XXXX : XX/XX/XXXX
Consumer complaint received 2024-08-20
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

XX/XX/2024 bank card application is pending from debit card XXXX XXXX XXXX. That's unacceptable. I'm illiterate, and that is not a XXXX name format. My XXXX XXXX name is a bank card ledgered credit account of liability communism.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent dispute letters to XXXX, XXXX XXXX TransUnion on XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. I have not received the results of any investigations into the items I disputed.
Consumer complaint received 2024-06-04
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. (IL)

I am disputing and investigating these wrong accounts on my credit file. I should get {$1000.00} for each mistake under the Fair Credit Report Act. FCRA 605B says we must report wrong accounts on a credit report.
Consumer complaint received 2022-07-28
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. (PR)

Hello, I opened a credit card from chase ( XXXX CREDIT CARD ) One of the perks of the credit card is to obtain ( XXXX-miles ) with everyday purchases. They had an offer of spending {$5000.00} in 3 months you get XXXX miles. After a few months, my points never arrived in my account. After several calls to obtain my miles they refuse to validate my offer and benefits. Chase open an XXXX XXXX card number on my behalf. That's the only way you can have access to the miles. I did not get any instructions or access to my account and miles. I called XXXX more times than I could count to see if I could get access to it. The number doesn't exist and Chase tells me it does. Back and forward the situation goes nowhere. I requested a voucher for my points since they cant do anything to get my offer or benefits. And the answer was no. I dont have an email or phone number to contact the department I can reach to help with my inquiry. Customer service did not help at all. They want me to call XXXX and do all the work. On top of all when you are in your chase account the part of redeeming your rewards takes you nowhere. Without the XXXX XXXX  number, you cant do anything. I have proof of EVERYTHING. Again, they dont want to validate my offer or benefits after several calls. With zero options for getting my miles. Thank you.
Consumer complaint received 2022-07-28
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. (PR)

I want Trans Union and XXXX to also take notice of my current complaint and response to XXXX. XXXX is just acting with their power and money and everybody else seems to decide to make silence. BUT I AM NOT GOING TO MAKE SILENCE NO MATTER XXXX 'S POWER AND MONEY.
Consumer complaint received 2022-07-28
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: FIRSTBANK PUERTO RICO (PR)

See included attachment named XXXX XXXX XXXX XXXX XX/XX/2022. 
My response to Santander Response of my CFPB Complaint number XXXX XXXX XXXX XXXX XXXX requires much more than just a feedback as well as CFPB intervention. Santander is simply abusing with their power and money.
Consumer complaint received 2019-04-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (OK)

I have already disputed this debt with XXXX XXXX, I disputed that the debt was not mine they could not produce any documents that would validate, they were told that a ftc fraud affidavit would be made if they didn't correct there mistake. They removed it from the credit reports, now they have sold the debt to XXXX XXXX, I have filed the fraud affidavit with the FTC and submitted it to the credit report agency 's, if XXXX XXXX doesn't remove from all three credit report agency 's, I shall be force to take legal action against them.
Consumer complaint received 2024-09-25
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. (CA)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-07-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (PR)

I have reached out to my loan servicer to tell them they need to make my tax payment by the end of the month. They said it is in procsses. I let them know that there is an economic cost if not and they are unable to provide any info. The servicer has the funds in an escrow account and the initial escrow analysis shows it paid in XXXX. Their servicing system does not show a pending payment online. Planet home XXXX XXXX : XXXX
Consumer complaint received 2024-06-03
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. (MO)

I AM AWARE OF MY RIGHTS UNDER section 605b of the fair credit reporting act that the fraudulent information on my credit report must be investigated thoroughly and removed from my credit report. I have the right to dispute fraudulent information that is a result of identity theft along with providing the necessary documentation which I have done so with this letter. I expect TRANSUNION to take this matter seriously and update me of the outcome of this dispute by sending me a copy of my credit report after this has been resolved.
Consumer complaint received 2022-07-22
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Genesys National Recovery, Inc. (PR)

In the month of XXXX, the company Genesys National Recovery contacted me through XXXX XXXX asking me where I was since he was going to serve me with a legal summons. of a letter that several indicated that I owed {$490.00}, at that moment they told me that if I did not pay him XXXX they would summon me for a legal case. pay that amount in several installments within 45 days. On XX/XX/XXXX they write me again indicating that I owe XXXX dollars from the same gym. I told him that I had already paid him and I had no more money. After that they call me during my working hours and they have made 5 call attempts in 4 minutes. my financial and mental situation has been affected by harassment from Genesys Nationals Recovery.
Consumer complaint received 2022-07-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Prince Parker & Associates (PR)

In the month of XXXX i saw on my credit report a debt collection account that doe n't belongs to me for the amount of {$1700.00} for a Phone Bill from XXXX. I went to the XXXX XXXX Police Station located in XXXX XXXX and file a police report to start an investigation. The Agent XXXX filled the police report with her ID badge number # XXXX and the police report # is XXXX. I will like to this account be removed from my credit report. The collection Agency is still charging me for the amount of {$1700.00} for an account that doesn't belong to me.
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (PR)

All my historical data was deleted from Equifax on XXXX XXXX this elimination reduces my score significantly and Equifax is unable to restore my data.... As of today, Equifax is reporting only 9 open accounts and they still missing 13 historical closed accounts ( including mortgage, auto, and personal loans ). The effect on " Vintage 3 '' ( the process to evaluate score ) reflects that due to a lack of history my score dropped over 23 points. affecting my opportunity to receive better rates and offers. 

XXXX Still reporting all my accounts ( open and closed ) with correct historical data. 

Every time that I call Equifax I receive the same answer that is " if they don't have data on the system they cant help .... 

Today 's customer service refers to an error of 14 different banks at the same time eliminating the data at once .... that does not make any sense at all. 

In addition, I notice Equifax is not following the document information retention policy, due to the elimination of loans with less than ten years of cancellation.