davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-07
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. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, DC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MD XXXX XX/XX/XXXX, XXXX XXXX XXXX Balance : {$1700.00}, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, DC XXXX , XXXX XXXX XXXX Balance : {$24000.00}, ( Original Creditor : XXXX XXXX XXXX ) Balance : {$10000.00}, XXXX XXXX XXXX Balance : {$1700.00}, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-10-24
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: TRUIST FINANCIAL CORPORATION (GA)

I opened a 6 month CD with Truist Bank on XX/XX/2023 with {$10000.00} at the current interest rate which was about 4.5 %. I bought the CD so as to qualify for a free checking account which required that I keep at least {$10000.00} on deposit with the bank. I requested that the CD automatically renew, which it did on XX/XX/2023. Two weeks later, on about XX/XX/XXXX, I received notice that the CD, now worth {$10000.00} had indeed renewed but at an annual rate of .01 %. The going rate at the time was nearly 5.00 %. They were clearly hoping that I, and presumably the other thousands or tens of thousands of customers that they were doing this to, would not notice their attempt to hold my money without paying interest. XXXX percent of {$10000.00} for XXXX months is XXXX cents rather than the nearly {$250.00} I would have received had they renewed in an honest manner. I went to the bank branch since Truist could not handle the matter over the phone. The bank manager had the nerve to claim that since they were not offering 6 months on the renewal ( only 7 months ) they were only able to renew it at the .01 % rate. I told XXXX that they no longer had my trust and that I would be closing my account as soon as I could arrange to set up my XXXX XXXX deposit at another bank. The manager closed the CD, ever so generously waving the nearly {$25.00} penalty for closing the CD early ( sarcasm here ), and put the money into a money market account paying about 3.75 % interest. Meanwhile I have requested XXXX XXXX to deposit my monthly benefit in another bank which they will start doing in early XXXX. At that point I will close all accounts at Truist.
Consumer complaint received 2023-10-24
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. (NE)

This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.
Consumer complaint received 2023-10-24
Product: Credit 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. (NY)

RE : Transaction Date XX/XX/2023 Merchant name : XXXX XXXX  in the amount of {$410.00} Chase website did not allow me to open a dispute against aforementioned merchant in aforementioned amount, therefore I called Chase on XX/XX/2023 to open dispute against aforementioned merchant in the aforementioned amount. 
Chase Representative additionally refused to let me open a dispute on aforementioned transaction but promised an investigation will happen to ask merchant to refund my account. No more than 30 minutes after this phone call I received an email letter from chase stating we resolved your dispute. Nothing was resolved, nothing was refunded, Chase is a farce and a Sham. Chase did nothing to resolve my dispute, chase refused to open a dispute and you refused to let me upload supporting documentation.
Consumer complaint received 2023-04-10
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: EGL US, LLC (TX)

BMG MONEY REPORTING WRONG BALANCE ON MY CREDIT REPORT, BALNACE IS NOT XXXX TRIED NUMEROUS TIMES TO GET THIS MATTER RESOLVE
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NY)

Chase canceled and put a hold on my wire transfer, which I paid fees for. 

I need to transfer to pay my real estate agent to pay her fee for my business. 

On XX/XX/2023, I sent the money to my agent 's account ; Chase canceled my transfer without any information and kept the wire transfer fee. I had to call them to get the payment refunded. 

I got a different account number from the real estate agent and sent XXXX again. 
This time Chase took my money and never sent it and put it on hold without any notice. On XX/XX/2023, Chase sent an email stating that my transfer was delayed for 1 to 2 business days. I have not gotten any message since the date. 

On XX/XX/2023, I sent a message through their App asking what happened to my money. They responded by saying that there was a wire hold and need the personal information of the agent. 

On XX/XX/2023, I called Chase and spoke to 3 different agents the last one being XXXX from the Legal Hold department. She told me that there was no team to help me and I had to talk through the app or visit the center. 

This is ridiculous that Chase just took my money and did not provide any details for the delays, so I assumed the money had been sent to my agent. This event created lots of my hours just for XXXX which they should compensate me for.
Consumer complaint received 2023-10-24
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. (FL)

I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is being reported on my credit. this has caused major delays on my credit profile. looking over all data these items have been illegal reported an a action of fraudulent items reported to my credit report. please review an remove all listed items to help clear my file asap.
Consumer complaint received 2023-10-24
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. (NC)

I am contacting you because I have found some information that is inaccurate on my credit report. I do not believe these accounts were ever paid late. 
I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. The items in question are account -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions.

15 U, S. Code 1681a - Definitions ; rules of construction
Consumer complaint received 2023-10-24
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. (CA)

I am sending to submit a follow-up complaint concerning the account XXXX XXXXXXXX. This account was previously reported as repaired, but it has once again displayed inaccurate late marks in its payment history. I kindly request the correction of the information associated with this account by the three major Credit Bureaus. The account details are as follows : Experian : XXXX XXXX Balance : {$48000.00} XXXX XXXX XXXX XXXX Balance : {$48000.00} XXXX : XXXX XXXX Balance : {$48000.00}. I will be updating my credit reports with the three major Credit Bureaus within 15 days, and I kindly request that this specific account be promptly updated to reflect accurate information.
Consumer complaint received 2023-10-24
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. (TX)

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 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 {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I filed a complaint against XXXX XXXX XXXX account # XXXX on XX/XX/2023 because I found inaccurate reporting on my credit reporting from XXXX XXXX XXXX and according to the FAIR CREDIT REPORTING ACT I have the right to 100 % accuracy on my credit report. I complained about the inaccurate DATE OPENED, HIGH CREDIT DISCREPANCIES, LAST REPORTED DATE DISCREPANCIES, DATE LAST ACTIVE DISCREPANCIES, DATE OF LAST PAYMENT DISCREPANCIES, & TWO-YEAR PAYMENT HISTORY DISCREPANCIES. The company responded on XX/XX/2023 that the information reported on my credit report was verified and accurate which is completely false because I pulled my credit report after my monthly report updates on XX/XX/2023 and XXXX XXXX XXXX still has inaccurate information and discrepancies reported on my credit report. The law states that if ALL inaccurate information & discrepancies arent updated within 30 days of the complaint then the account MUST be DELETED from consumers credit file. I request that the account is deleted from my credit report immediately! 
I have attached documents to support my claim such as : - XX/XX/2023 credit report with account, inaccurate information, & discrepancies HIGHLIGHTED - XX/XX/2023 credit report with account, inaccurate information, & discrepancies HIGHLIGHTED - Companys response that verified was accurate and verified which is NOT TRUE. with response HIGHLIGHTED According to 15 U.S. Code 1681i - Procedure in case of disputed accuracy section ( 5 ) ( A ) ( i ) states : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer
Consumer complaint received 2023-10-24
Product: Credit 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. (NY)

RE : Transaction Date XX/XX/2023 Merchant name : XXXXXXXX XXXX in the amount of {$410.00} Chase website does not allow me to open a dispute against aforementioned merchant in aforementioned amount, therefore I called Chase on XX/XX/2023 to open dispute against aforementioned merchant in the aforementioned amount. 

Chase Representative additionally refused to let me open a dispute on aforementioned transaction but promised an investigation will happen to ask merchant to refund my account. No more than 30 minutes after this phone call I received an emailed letter from chase stating we resolved your dispute. However, nothing was resolved, nothing was refunded, What a farce and a Sham. Chase did nothing to resolve my dispute, chase refused to open a dispute and you refused to let me upload supporting documentation.
Consumer complaint received 2023-05-22
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)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-10-24
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 would like to address the issue of payments that XXXX XXXX has marked as due for the following account Account number XXXX on the specified dates : XX/XX/2019 XX/XX/2019 I understand that, in accordance with USC 1681 ( a ) ( 2 ) A ( i ), my consumer report must not consist solely of information related to transactions or interactions between the consumer ( me ) and the reporting entity ( your business ). Payment history, including late payments ( accounts with adverse information ), has the potential to negatively impact my consumer report for up to seven years and is considered an essential part of the interactions and transactions between your company and me. 

Additionally, I kindly request that you provide me in writing with the reasonable procedures, as described in 15 USC 1666 ( b ), that you have in place to ensure that you receive each periodic statement no later than 21 days before the payment due date.. Also include all necessary information as detailed in Section 1637 ( b ) of Title 15.

You have 30 days from the date you receive this letter to provide me with the information I request. Failure to provide this information within the specified time frame will be considered a failure to verify late payments on the dates listed above, indicating a deficiency in reasonable procedures to ensure the accuracy of my account. As a result, I will request removal of late payments from my account and consumer reporting to the relevant consumer reporting agencies ( including, but not limited to, XXXX and TRANSUNION ) and request that the accounts be updated to reflect a positive status.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my credit report. this has been an ongoing issue that needs to be resolved. multiple items on my credit report are posted illegal an fraudulent reports on my credit file. please review an remove the listed items posted to help clear my credit report asap.
Consumer complaint received 2023-10-23
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/2023, I went on the XXXX XXXX website because there was a notification that my flight was canceled to call to get a new reservation. When I called XXXX they to me that in order to get a flight from XXXX back to XXXX I had to pay I argue with the agent for a while and ask why would I have to pay if XXXX canceled the flight, I could not get a flight back to XXXX XXXX on XX/XX/2023, so I continue to argue with the agent, and told him that I would book the flight however I was going to call someone higher in XXXX and complain, so I paid with my Bank America card XXXX, so I hung up and called XXXX complaint line I gave the agent my confirmation number and the telephone number I called, he told me to hold on so he could check, when he returned he started that the number was not a bank American number even though it was on their website, he went on to say that it was a scam. He told me to immediately call my bank to notify them and for me to change my password. I called BA and told them what had happened and they stated after checking my information that it was a fraud how ever because I paid them voluntarily that they could not give me a refund, so they gave me your website and another website to file a complaint.
Consumer complaint received 2018-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

Ive been trying to do everything I can to build my credit back up. On XX/XX/XXXX, my credit scores on Equifax and XXXX dropped drastically. Equifax dropped 74 points from XXXX down to XXXX and XXXX dropped 69 points from XXXX down to XXXX. The only things I noticed that changed was a very small increase on a credit card and 1 inquiry. Then on XX/XX/XXXX both scores dropped again 12 points and 13 points respectively. And my report that week showed that balances DROPPED. Ive examined both credit reports very carefully and Ive seen no mistakes to my personal information or on any accounts. I called both credit agencies and have been told by both that everything is based on a scoring model and theres nothing they can do. 
Then on XX/XX/XXXX, Equifax raised my score back up 83 points with no change on my report. Then on XX/XX/XXXX it dropped again 85 points and I had 2 account balances DECREASE. 
This is extremely frustrating and I cant help but to believe theres a serious problem with my account. Ive had inquiries drop my score in the past maybe 1 or 2 points, but 74-85 points is ridiculous. Ive gotten absolutely no help or even any assistance in trying to find a solution to this. If the score is correct then all I want is an explanation as to why my scores are so erratic for no reason. 
Please help me with this issue. Im at a total loss Thank you
Consumer complaint received 2023-10-23
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: DISCOVER BANK (MI)

Discover is furnishing information for an account to XXXX and XXXX that is false/misleading/inaccurate, yet continues to " verify '' information is " accurate as reported '' to both to XXXX and XXXX. At this point Discover knows or should know the information is inchoate because it contains multiple periods over which the account was alleged charged-off, to include periods which the account was paid as agreed ( see account/tradeline as reported by XXXX in attached file XXXX XXXX '' ). The account/tradeline as reported by XXXX and XXXX exhibit the same inconsistencies and thus it seems Discover has padded information to fit an alleged charge-off event on or around XX/XX/XXXX or XX/XX/XXXX ( see attached " XXXX '' ). In a XXXX XX/XX/XXXX response to CFPB complaint XXXX Discover alleges the event took place in XX/XX/XXXX, while its own system alleges a charge-off took place in early XX/XX/XXXX AFTER taking a payment that would have prevented the alleged charge-off from occurring ( see attached " discover_dispute_claims_with_docs.pdf '' ) Thus, Discover appears to be violating its responsibilities under 15 U.S. Code 1681s2 by furnishing information it knows or has reasonable cause to believe is inaccurate. Unfortunately, the CRAs have been all too willing to accept the inaccurate information and claim they have met their own responsibilities under 15 U.S. Code 1681, et. seq. when the account/tradeline is not being reported with maximum possible accuracy as required under 15 U.S. Code 1681e.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Bank of America and XXXX bank is reporting to several credit monitoring companies and a company called XXXX XXXX XXXX that I had an account with them. I have repeatedly contacted them asking for the documents that would verify that I opened the accounts and time and time again have been denied. I have given then police reports stating that I was a victim of identity theft and they have yet to remove the information.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (DC)

I have Account Review Inquiries being reported on my XXXX credit report They are three unauthorized Account Review Inquiries XXXX Requested on XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX Requested on XX/XX/XXXX These Inquiries are fraudulent!!!