davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2022-12-06
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. (MT)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) Transunion 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 and it requires the following documents and statement to remove the disputed accounts on my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$0.00} The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item 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. These account ( s ) are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Consumer complaint received 2022-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: REGIONS FINANCIAL CORPORATION (FL)

I received an unsolicited offer for the Regions Bank XXXX XXXX XXXX card. I applied for it online and was informed, via eMail on XX/XX/2022, hat I had been approved, and that I should receive the card within 7 to 10 days. 
On XX/XX/2022, while I had no received the card, I got a call from XXXX XXXX, a Regions Bank XXXX XXXX, who wanted to talk to me about opening bank accounts with Regions. 
On XX/XX/XXXX ( almost a month after approval ) I called Regions Bank because I had not received the XXXX  card as promised, and I was worried what might have happened. I spoke to a lady who informed me that they apparently had the wrong address for me. She said she corrected the address, cancelled the card, and ordered a replacement card to be sent. This card has never been received. 
On XX/XX/2022, I again called Regions Bank. Spoke to XXXX at ( XXXX ) XXXX. She stated that she would be cancelling the card in transit, and would expedite a new card, to be sent by XXXX to my address. This was again repeated on XX/XX/2022, when I spoke to XXXX. 
On XXXX XXXX XXXX  ( a full 2 months after approval ) I called Regions Bank and spoke to one XXXX. At first he said the card had been mailed, and then he did find a notation requesting that it be expedited. By then, I had had enough, so I asked that the account be cancelled altogether, that I no longer wanted to do business with Regions Bank ( Ticket Number XXXX ). 
I never got a card. I suspect the offer of the card was just a ruse to try to get my banking business and, since I did not give it to them, Regions just dragged their feet and refused to honor their offer. The harm to me has been done since they pulled my credit which affects XXXX core. It also may affect the decision of other card issuers who might claim that I have been applying for too many cards in the recent months. Regions may be pulling this with other consumers as well. 
My name : XXXX XXXX XXXX : ( XXXX ) XXXX XXXX : ( XXXX ) XXXX eMail : XXXX XXXX
Consumer complaint received 2022-12-06
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. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-06
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. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WI)

On XX/XX/year> XXXX, I tried to set up an account with Experian so I can freeze my credit report. The website keeps giving me an irrecoverable error. I called XXXX at XXXX to try and resolve the issue. I keep getting the menu that has no option to fix this. I asked for customer service and it says it can not connect me. I was able to freeze my credit but it will not allow me to create an account for future use. How can this company make a living off our information and then not give proper service? It could be that I set up an account over 20 years ago back when XXXX was a thing. I can only guess since I can not talk with a human. Please help.
Consumer complaint received 2022-12-06
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)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be deleted ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NJ)

I received a call from a suspicious person whom claimed that I had scammed someone. I foolishly believed it and proceeded to have a conversation with him that gave him access to my information. His screen name is brianofficialsupport. He scammed me out of {$1800.00} dollars cause I had conversations with him. In the end, it was a huge scam that I fell victim to. Resulting in me losing my money without any hope of getting it back or refunded. I appreciate any help you can provide to me in the effort of getting my money back for college.
Consumer complaint received 2022-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: U.S. BANCORP (CA)

I received an automatic email alert of address change to my by US Bank account on XX/XX/2022. The change was made by an unauthorized actor, who is unknown to me, and who has access to some private information of mine. I called US Bank, if I recall correctly, the same day I got the alert. I was asked to go in person to a branch to present my ID and have my address reverted to the original. 
On XX/XX/2022 ( almost XXXX days later ) I received an identical address-change email alert, and a separate email alert indicating that my credit card was reported stolen. Neither action was conducted by me or anyone authorized ( like they didn't do anything after the first time to prevent a repeat ). I called US Bank cardmember services XXXX min after I got the stolen card alert and I was explained that a new credit card was requested be sent to the new address. After undoing that request and changing back my address, I tried to get an explanation and an assurance that no unauthorized actor would ever be able to change my address again. I didn't get a concrete assurance other than them having " flagged '' my account and put notes for future operators to perform additional checks in case any future address change request comes. 
I also asked whether they were going to do anything about the perpetrator. They have the ability to file a criminal report and provide the information that the perpetrator left behind, like address and phone number. 
Prints of the referenced alerts have been attached to this report.
Consumer complaint received 2023-09-29
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-13
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2018-04-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (MN)

Was forced to file Chapter XXXX Bankruptcy in XX/XX/XXXX Chase did not show up at bankruptcy court I am not liable for the debt that Chase is foreclosing on Chase reps have been impossible to deal with I HAVE STRUGGLED TRYING TO SAVE MY HOME FROM FORECLOSURE
Consumer complaint received 2024-03-06
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Credit Karma (TX)

XXXX Creditkarma has a XXXX XXXX XXXX XXXX that one will be approved for a credit card should they apply for it through their affiliate service. If one 's application is denied they promised {$50.00} in the form of a gift card. 

I was guaranteed a credit card would be approved but was not approved for a card but never received my {$50.00} gift card. When I inquired as to why I didn't receive my gift card, they just responded with general information as though my inquiry never reached a human being.
Consumer complaint received 2024-01-02
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: EQUIFAX, INC. (WI)

I filed a reinvestigation dispute request with Equifax on XX/XX/XXXX about an account by the name of XXXXXXXX XXXX. With the account number as being XXXX. But on XX/XX/XXXX after Equifax completed their reinvestigation. They stated that the account information I disputed was accurate and verified by the data furnisher. And there wrong because the data furnisher left out some payment history. For the months of XXXX and XXXX in XXXX. And this is a major violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2022-12-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

TransUnion is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give TransUnion written permission to furnish these accounts. 

Accounts Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-29
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. (NE)

The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 

TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/XXXX at XXXXXXXX XXXX I received an email from chase stating my account is past due. I immediately got concerned because I always pay all my bills on time and in full each month. I tried to log on to the chase website but had to get a new password because i hadn't used the online option in years. I finally got on the website and was able to print the last few statement but they were only interest and fees no actual purchases. i called them the next morning was on the phone with them for hours. I was told by an employee XXXX that they see someone change the address in XX/XX/XXXX I was asked to hold on she came back on the line after a long wait and told me they changed the address because they say fraudulent activity on my account and tried calling me many time to let me know with no answer. I DID NOT CHANGE THE ADDRESS back in XXXX like they are now saying. I did request they use my current address going forward I sent them {$270.00} that same night I saw the past due email not knowing what that amount was even for. In XXXX Chase changed my address to XXXX XXXX XXXX XXXX XXXX NJ XXXX I have not lived there since XXXX. I was not getting my statement and had no idea I was past due.After an hour on the phone and their story changing about the address change I decided to closed the account. I asked for all my statement since XXXX to be mailed to me. I was told they would and they DID NOT. 
TODAY I received was a XXXX statement showing more interest and more fee. I have excellent credit this is so wrong for them to do to people. shame on Chase.
Consumer complaint received 2022-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (PA)

On XX/XX/2022. I noticed 2 charges that I didnt make. I called Chime to the dispute the charges. On XXXX XXXX  I was denied. I received an email stating since my card was in possession there was no fraud. I disputed again and was told todayXXXX that it was again denied. I was told to send supporting documents to show I was not in Texas and California where the charges were made. Im a XXXX XXXX on a fix income. This is not acceptable.
Consumer complaint received 2024-02-22
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (NJ)

On XX/XX/year> I disputed a collection on my credit report as it was a result of identity theft. XXXX  removed the collection on my account. When I checked my Credit Score today it shows up on my account again.
Consumer complaint received 2022-12-13
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed now.with no help.