davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-14
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.
Consumer complaint received 2020-08-14
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.
Consumer complaint received 2020-08-14
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2022-11-01
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: Resurgent Capital Services L.P. (NY)

LVNV FUNDING LLC is attempting to collect a fraudulent debt I have no obligation or contract with said corporation furnishing this account on my consumer report is a violation of 15 USC 1692j I never MADE a consumer credit transaction with LVNV FUNDING LLC. Therefore reporting this account to my consumer report is using false and misleading representation of there character and doing so to collect on this fraudulent account is also a violation of 15 USC 1692e ( A )
Consumer complaint received 2022-07-22
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Despite the multiple previous written requests, the unverified account listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have acopy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being " reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of theFCRA you are required to... promptly DELETE all information which can not be verified.Section616 and Section 617 provide me with a remedy that Im about to seek. You are willfulnon-complying with the FCRA. Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did no tprovide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please correct the account, or inaccurate information, from my file immediately & send me the results to the address. 


XXXX XXXX  XXXX Dates XXXX
Consumer complaint received 2020-08-14
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)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report
Consumer complaint received 2020-08-14
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2020-08-14
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2022-07-22
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against the credit bureaus if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 



XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX Balance : {$25000.00}
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

i don't know where these two hard inquiries come from its false information i need them removed right away from all XXXX credit reporting companies.. the hard inquiries are XXXX  address XXXXXXXX XXXX XXXX XXXX  ut XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX phone number XXXX XXXX XXXX XXXX u.s.c 1681 section 602 A. law.cornell.eduhttps : //www.law.cornell.edu text15 U.S. Code 1681 - Congressional findings and statement of purpose states I have the right to privacy 15 u.s.c 1681 section 604 A section 2 : law.cornell.eduhttps : //www.law.cornell.edu text15 U.S. Code 1681s2 - Responsibilities of furnishers of...

it also states a consumer reporting agency can not furnish a account with out my written instructions.

15 u.s.c 1681c. ( a ) ( 5 ) section law.cornell.eduhttps : //www.law.cornell.edu text15 U.S. Code 1681c - Requirements relating to information contained in...

states : no consumer report containing any of the following items of information. Any other adverse item information, other than records of convictions of crimes which antedates the report by more than 7 years 15 u. s.c 1681s-2 ( A ) ( 1 ) law.cornell.eduhttps : //www.law.cornell.edu text15 U.S. Code 1681s2 - Responsibilities of furnishers of...

A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/2022, I received a text and an email from Chase Bank verifying a purchase I made. I approved the purchase via both methods. Later in the day, I attempted to make a purchase ( {$95.00} ) from XXXX XXXX and the transaction was declined. When I contacted Chase the first time, I was placed on hold with dead air for 20 minutes. This happened a 2nd time. The third time I called, I made it very clear that I needed to speak with a person right away. I was connected with fraud prevention. I explained the situation to the specialist.

The specialist had to verify my identity, however in order to do so, they had to call me on my cell. I explained to the specialist that there was a call filter on my phone which prevents XXXX numbers from being able to contact me ( due to the amount of spam calls, etc. ). They tried anyway and then stated that I would have to call THEM back. I called the number given and received another specialist, in which I had to explain the entire situation again. This person asked if I could remove the call filter. I notified them that I could try to do so, however there was no guarantee that it would be in effect immediately. XXXX sent an email stating it could take up to an hour. I called fraud prevention a 3rd time and was told that I had to go to a physical branch.

Upon going to the branch, the two gentlemen called fraud prevention and asked to speak to a supervisor. The supervisor then spoke to me and attempted to call my phone again, after explaining for the nth time that there is a filter on the line. The supervisor then asked me to call them ( again ). I did so, while the two Chase employees stayed on the phone with the supervisor. This time, the specialist I was talking to verified my identity with one of the credit cards I hold with Chase and via all the purchase amounts within 24 hours. The supervisor was then able to verify my card was unlocked. 

I went to make the purchase from XXXX XXXX again and the card was still locked. I called Chase again, asked to speak to a supervisor, who said that they could only verify my identity via my phone number. I had to call the branch again and the gentleman who helped me previously had to call fraud prevention AGAIN and resolve the issue. 

I could have been in an emergency situation needing to order a rideshare service and wouldn't have been able to with my card being locked. I had verified the purchases. This is MY MONEY and access to it is my right. By denying me access to my funds and having ridiculous methods in place to verify an identity without a backup method on the organization 's part is disturbing. After this ordeal, I will be pulling my business from Chase.
Consumer complaint received 2020-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Fidelity National Information Services, Inc. (FNIS) (TN)

I am applying for a loan to buy a car with a local credit union. They attempted to open an account for me and run a verification check through ChexSystems. They found that my ChexSystems profile was frozen. 

I went to remove the freeze on ChexSystems website but did not have the required PIN. After calling into ChexSystems and being escalated to a supervisor, I was advised that my only option was to wait upon a new PIN via snail mail. They had no other way to verify my information and would not lift my credit freeze after I instructed them to. 

I will have to apply for a different loan with a different bank or credit union that does not use ChexSystems because of this. This will end up costing me a lot of extra money in extra interest paid.
Consumer complaint received 2020-08-14
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.
Consumer complaint received 2022-07-22
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. (IL)

n accordance with the Fair Credit Reporting act 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 2022-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP (TX)

On XXXX, I received a US Bank Reliacard debit visa I neither applied for or want. I tried several times to call the company and cold not get through their automated call answering service to cancel the card.
Consumer complaint received 2020-08-14
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. (AR)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report.XXXX  XXXX XXXX {$280.00} XXXX XXXX {$18000.00} CHAPTERXXXXBANKRUPTCYDISMISSED XXXX CHAPTERXXXXBANKRUPTCYDISMISSED XXXX XXXX XXXX   XXXX {$6800.00} XXXX XXXX  XXXX {$270.00} XXXX  XXXX {$2400.00} XXXX XXXX {$3000.00} XXXX XXXX  XXXX {$390.00}
Consumer complaint received 2024-04-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (PA)

This is for the Macy 's credit card from Citi. Back in XXXX, I started to see notifications on the website that I needed to update the Authorized User information on the account and if I did not, they would disable the Authorized User account in XX/XX/2024. I went to the Authorized User information to review the information and everything was correct ( before I even access the information, there is an error message 'Missing of Invalid Address ' ). I select to edit the authorize user information, to review the information - everything is correct and I hit enter, and received an error message on the City field that numbers or special characters were not allowed. My city does not have numbers or special characters ( although since it is XXXX words, it does have a space in it ). I re-typed it with no spaces, hit save, and recevied a green check mark that everything was ok. I also received an email confirming I had changed the Date of Birth for the authorized user, even though I did not. I then went back in to check the change, and the original city name was back in there. Please note that the address is identical to what I have for the Primary Cardmember, but have not received any error messages for that AND this has been the same address for the authorized user since they were added awhile ago and has never changed. Then, I used the Secure Message function that is listed about XXXX  times on the site to explain the issue and immediately received a message back 'This secure message account is no longer in service, and incoming messages are not monitored. ' ( then why is it on the site.!!! ). I called customer service and was told there is a problem with the system- they deleted my online account and I had to reinstate it, but I'm still getting the same problem. I complained through XXXX to them and they had someone call who left a message. I tried to call them back several times and they never anwsered. I just need them to fix this issue. It is their issue, yet they are threatened to shut down the account. How do I get this fixed and why do I have to spend so much of my time trying to get it fixed?
Consumer complaint received 2020-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank (MI)

TO WHOM IT MAY CONCERN, XXXX I REQUESTED TO CLOSE THIS ACCOUNT DUE TO BEING VICTIMIZED BY A PROGRAM FEE OF {$95.00} AND A FIRST YEAR ANNUAL FEE OF {$75.00} WHICH MADE THE CREDIT BALANCE {$220.00} WHICH IS PREDATORIAL LENDING. I HAD BEEN OFFERED A {$500.00} CREDIT LIMIT. PLEASE REFUND ALL OF MY FEES AND CLOSE THIS ACCOUNT AS SOON AS POSSIBLE. 
THANK YOU! 

RESPECTFULLY YOURS, XXXX XXXX XXXX
Consumer complaint received 2020-08-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TD BANK US HOLDING COMPANY (NC)

Recently, I was contacted by TD Bank about a checking account I used to have with them. To my shock, they told me that I had an outstanding deficiency balance over {$800.00}. I told them that I did not know how that was even possible, and asked them to send me some kind of account detail to show how they arrived at that figure. I have yet to receive the requested information. Furthermore, they told me that if I did not pay it in full within a few days, they were going to send that balance to a collection agency, and it would hurt my credit scores. To try to avoid that from happening, I offered to make small payments towards the debt until we could get it all sorted out, however the TD Bank representative told me that they could only accept payment in full, otherwise they would be sending it out to a collection agency to damage my credit. I was shocked that they offered no other solution for me, especially in the middle of a pandemic. Our income has been affected by the Covid crisis, and its hard enough to just keep the lights on ; much less pay out $ XXXX at one time to a bank that will not even show me how they are arriving at the balance they are trying to correct.
Consumer complaint received 2022-11-01
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (FL)

Back when covid started I lost my job. My mortgage company told me about the " Cares Act. '' They told me I could skip my monthly payments ( for a specified amount of time, 1 year in my case ) and that those payments would be pushed to the end of my loan after the year and I would just resume my normal monthly payments of XXXX per month. 

When the year was up I sent in my normal monthly payment and they sent it back to me telling me I had to pay all those skipped monthly payments ( XXXX ) in one payment to get the loan current and that they wouldn't accept any payments until that was paid in full. I told them there was absolutely no way that I could ever do that even though I can now afford my monthly payments that were XXXX per month. Now they are saying they can not do a modification in my loan either because I dont make enough money ( XXXX ) per month. 

I feel like since they lied to me about putting those missed Cares Act payments to the end of my loan they are basically scamming me into a foreclosure or into selling my home. I have been in the home for 16 years and I am under a VA loan as I am a United States XXXX XXXX XXXX who is alone in life. I can not be thrown into the streets without a home. Can you please help me?? Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, FL. XXXX XXXX
Consumer complaint received 2024-04-13
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (FL)

To CFPB discrimination credit card denial pursuant to 15 U.S Code 1691 ( K ). 
J.P. Morgan chase has violated my federally protected consumer rights. 
1. 15 U.S Code 1642 2. 15 U.S Code 1681 M 3. 12 CFR 1002 I applied for a credit card with JP Morgan chase and was denied extension of my own credit. 
Since the letter that was sent to me dated XXXX XXXX is both proof and evidence that I have been discriminated against, you are also criminally liable. J.P. Morgan chase should resort to reasonable procedures to rectify this affair and compensate me for this use of my securities. Otherwise, this would be securities fraud since I have no BENEFIT. 
Following this initial attempt to rectify, will be sending an invoice to collect