davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-04
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. (TX)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$5400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$31000.00} XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$16000.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-23
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. (NY)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX Balance : {$1.00} XXXX XXXX XXXXXXXX Balance : {$3.00} XXXX XXXXXXXX Balance : {$340.00} XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXXXXXX Balance : {$130.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

I've been working on repairing my credit for the past month or so. I've asked to update my personal information due the fact that they have all of my old addresses and misspelling of my names on my personal report. I would like for these to be deleted as soon as possible.
Consumer complaint received 2023-01-24
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. (PA)

The credit bureaus never did a proper investigation according to the FCRA In accordance with the fair credit reporting everything has to be a 100 % accurate on my credit report The credit bureau 's stated my account was properly investigation but how is that possible if the open date last active is inaccurate and the date last reported is not accurate this is grounds for removal. 

In accordance with the fair credit reporting at XXXX Accounts & numbers : XXXX XXXX XXXX # XXXX, XXXX Credit Bureau # XXXX, The XXXX Companies # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A states I have 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2023-01-24
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. (TX)

Account Name : XXXX  Account NumberXXXX Acct XXXX XXXX I have been trying to get this account deleted I have called credit bureaus and the XXXXXXXX XXXX to get this old account deleted/removed it was paid off back on XXXX XXXX, 2017. The Credit companies stated no change won't do a proper investigation and won't update unless XXXX updates them. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Number:XXXX This account was paid off and settled I have sent out a letter and statements from XXXX to the credit bureaus it is a closed account and to remove and update my account for the dispute, I keep getting unchanged and verified. No change Account Name : XXXX XXXX XXXX Account Number : XXXX -Collection Account that needs to be reinvestigated and needs 30 days or more and none of the credit bureaus want to help or respond to this account Account Name : XXXX XXXX XXXX Account XXXX Account that needs to be reinvestigated and needs 30 days or more and none of the credit bureaus want to help or respond to this account I have contacted the collector and they have not been able to reach the person who actually reported the collection and there is no judgment the court has never sent me anything on file in the last several years and I am trying to get a removal due to Collection Account that needs to be reinvestigated or I want it removed from my credit report.
Consumer complaint received 2023-11-04
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (TN)

I do not know what XXXX XXXX is. their is no activity on payment details on XXXX or XXXX. On XXXX  it onlu says that its in collections/charged off. XXXX is reporting as open but XXXX is reporting as closed. XXXX XXXX XXXX states that the accounts were opened on XX/XX/XXXX. XXXX has the last account activity on XX/XX/XXXX but XXXX has it as XX/XX/XXXX. how is that possible if they claim it was opened on XX/XX/XXXX. I KNOW this is fraudlent. I am in no way assciated with XXXX XXXX this is fraudlent and must be removed. Again this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. Please remove immediately
Consumer complaint received 2023-11-04
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (CA)

On XXXX I traveled to JC Penny to pay {$1000.00} towards my {$1400.00} balance. 
I was so excited that I was finally making progress towards paying my credit card off. The clerk was happy for me as well, after making the {$1000.00} cash payment I left JC Penny feeling happy. It was after I checked my email that day that my smile vanished in an instance. That email was from Synchrony Bank whom I've filed a complaint against in 2014. This recent email stated I had not paid my JC Penny credit card and that I was being charged a late fee. Livid I immediately contacted Synchrony bank, I was given the runaround by several agents. I was told the {$1000.00} payment went towards my Master Card. I was shocked to say the least because I never applied for any Master Card with JC Penny. Synchrony bank opened a Master Card in my name without my permission. As a former victim of Identity theft I am very, very hurt by Synchrony banks action. This situation has caused me a tremendous amount of stress. it is my opinion that I am being discriminated against because of my race. I am very, very hurt by the discriminatory business practices by Synchrony bank, I would like this company to be investigated for stealing my identity and opening up a Master Card without my knowledge. I want answers
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  {$230.00} XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX {$4100.00} XXXX XXXX XXXX XXXX XXXX  : {$14000.00} XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX XXXX  {$2000.00} XXXX XXXX XXXX XXXXXXXX XXXX  : {$640.00} 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
Consumer complaint received 2020-07-28
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Coradius International LLC (CA)

I received a letter from American Coradius International claiming that I owed XXXX, XXXX {$960.00}. I called XXXX XXXX, who is the only part of XXXX I could owe money to and they said it is not from them.
Consumer complaint received 2018-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (VA)

Time of Applicable Cases : Approximately, XX/XX/XXXX -XX/XX/XXXX ( XXXX XXXX ) and XX/XX/XXXX-XX/XX/XXXX ( XXXX XXXX ), and Complaint on potentially deceptive credit card business practice based on corporate policy that is not fairly and properly administered : ( Complaint Below ) CHASE advertises a credit card service that appeals to XXXX XXXX frequent flyers , and I applied and obtained a card for use. After several months of using the card, I received a letter from CHASE that it has " decided to close your [ my ] credit card because we [ they ] are no longer offering personal and business credit card accounts to current or former non-U.S. officials, their immediate families or close associates. '' Not only was this action poorly informed as CHASE did not both to verify my current immigration status in the States, but later action on its part against my family member ( wife ) points to a deceptive business practice under this particular credit card it offers and the promotional materials it disseminates. 

A while after my CHASE credit card account was shut down, after I have accrued over XXXX USD balance I had to pay back to clear the account, which I satisfactorily paid off in respect of my obligation. However, in being not so certain about the soundness of this CHASE action and policy that I called the headquarters to discuss and present my case against, my wife applied for a similar card. She was approved for a card, received it, began using the card ( we did as approved card has option for assigning a secondary card user ), and few months later, my wife received a similar later. Account to be closed on similar ground as was used in my earlier experience. 

CHASE has demonstrated inconsistency in its credit card offering services and practice. While I still doubt the proper application of such policy against me, its approval of my wife 's application presents more reason to doubt CHASE 's seemingly deceptive business practice that seems aimed at putting susceptible customers in depth. 

This practice needs to be scrutinized so that any law or regulations the company is applying will be administered equitably and devoid of what appears to be deceptive features. 

Please assist us address this matter, and please feel free to contact me at my email address or cellular number, XXXX and XXXX. 

Sincerely, XXXX XXXX Disgruntled CHASE Customer ( former )
Consumer complaint received 2023-05-22
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

This was not sent inadvertently or by any other person than me ; I am a consumer by law, and thanks to XXXX 's misuse of my information during a data breach, some of the accounts and things on my credit report are not completely true. That improper handling of my credit profile was unethical.
Consumer complaint received 2023-09-04
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. (NY)

My credit report is still showing late payments on XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2023 I was charged {$50.00} for a scanner that the bank gave me to deposit checks. This is a monthly charge that I have been paying for 39 years. Chase closed my account the next day XX/XX/2023. I called for a refund as I didn't get to use the scanner and I was told once the account is closed you cant make a dispute. So once they close the account they can steal my money. Shame on Chase Bank.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (CO)

Last year I settled an account with XXXX at the time Off settlement I spoke with the representative at lengths about after I paid the balance it would be removed from my credit report. I have called XXXX multiple times and spoken to supervisors that saw the notes on my account that certified they would remove this from my credit report. They have still failed to do so after i have called and repeatedly a supervisor verified they would remove the account from my credit report Also Comenity bank is not reporting correctly the account. It is paid and full with a XXXX balance. I have repeatedly asked them to fix this and they havent.
Consumer complaint received 2023-09-04
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. (NY)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED.XXXX XXXXXXXX and XXXX XXXX XXXX
Consumer complaint received 2022-11-10
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. (NY)

I am a victim of identity theft and the fraud account it is ruining me and my families lives. I have sent over multiple documents including a FTC report showing and stating that this is FRAUD with all forms of my ID which was ask for to verify that its me. I will be reattaching the information again. I have did my research and according to the law any Fraud accounts must be blocked and remove within 4 business days. How much longer must I suffer with this account its not mine and I shouldn't be penalize for it. I know you wouldn't want to suffer with a Fraud account as well. Do the right thing and help me get justice my family is depending on it to buy our house.
Consumer complaint received 2023-11-09
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 have been disputing unlawful TEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-04
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. (CA)

This is one of 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 accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : XXXX XXXX. Please remove this account immediately.
Consumer complaint received 2023-09-04
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any following items on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the following items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$47000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$21000.00} ; XXXX XXXX XXXX XXXX : {$47000.00} ; XXXXXXXX XXXX XXXX XXXX XXXX {$29000.00} ; XXXXXXXX XXXX XXXX XXXX XXXX {$94000.00} ; XXXX XXXX XXXX XXXX {$8300.00} ; XXXX XXXX XXXX XXXX XXXX  {$5200.00} ; XXXX XXXXXXXX XXXX  : {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2600.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2018-06-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BOK FINANCIAL CORP (CO)

I paid for an appraisal with a credit card that was ordered by XXXX XXXX XXXX XXXX   XXXX, but then moved away from that lender and applied with a second mortgage broker. When the second mortgage company asked XXXX XXXX XXXX XXXX XXXXXXXX to release the appraisal ... they said they wouldn't do that.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-07
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. (NC)

The attached letter explains the problems that I am having with the 3 major Credit Bureaus, XXXX, XXXX, and Experian. There are so many unauthorized credit inquiries. I am worried that I have contacted these companies fearing that I can be a victim of identity theft and nothing has been done to protect my privacy.
Consumer complaint received 2023-05-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY (SC)

I contacted the bank because I lost my debit card they notified me that someone was trying to deposit a check into the account they said they XXXX video of the person doing it but wont share it with me they closed my account and flag my credit now I cant open a debit card with no bank
Consumer complaint received 2022-12-05
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. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-04-25
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 — Problem with personal statement of dispute
Company: Affirm Holdings, Inc (TN)

Affirm , Inc, date opened XX/XX/. Inaccurate information. I paid entire balance prior to due date with agent on phone. Account still went to charge off,.