davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (NY)

This issue is related to a previous complaint about a replacement card which was a switched to a XXXX. After speaking to Chase United credit card services, I was informed that the only way forward for me to keep a Chase XXXX, and avoid any kind of migration, was to move to a Chase United Explorer XXXX card, which meant changing the terms of my agreement and fees. This was due to a fraudulent use of my card online. 

As I was assured that this was the only way to keep a XXXX product and not a XXXX product, I went ahead despite having further disappointment to find out I wouldnt be elegible for benefits for a new card member. I have been using my new card and today, I received a XXXX stating that I had the same credit limit as the XXXX.I understood I would have that XXXX for a year under the terms I agreed to. 

XXXX XXXX XXXX was the specialist I was referred to by another representative. I dont understand why I keep getting misinformed and told multiple scenarios. XXXX went back to the original like, of well, you have to. This is not what my recorded agreement of terms said. The previous rep said this card was likely not working because there was no account, I cut it up. I cant take the responsibility and have recently claimed a card was lost when it was in my purse. This has led to XXXX about my financial affairs. 

Chase hasnt responded to my previous complaint in a timely fashion, by they keep sending either cards with old numbers or XXXX  that were agreed would not be used. I dont understand what was the point of making me agree to different terms to keep the XXXX if this was inevitable, I seek a discussion with someone from corporate to keep using the XXXX ending in XXXX for a year. 

Important : please see attached picture. Nowhere clearly is the change from XXXX to XXXX made apparent. 

Thank you, XXXX XXXX
Consumer complaint received 2019-08-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CURO Intermediate Holdings (CA)

XX/XX/XXXX is the day I changed my bank account information to a different one .changed my account info because I now share the account with my grandma she receives her social security in this account and they took HER money without my knowledge.
Consumer complaint received 2023-04-18
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. (CA)

On XX/XX/2023 I found two transactions ( {$10.00} and {$25.00} ) I did not make for opening new bank account # XXXX ( I did not open a new bank account ). I called the bank ( XXXX XXXX ) but did not receive any explanations or suggestions. 
On XX/XX/2023 I was trying to access my online banking from my mobile device ( XXXX XXXX ) and it was unsuccessful multiple times. I went to the branch of XXXX XXXX in XXXX ( XXXX XXXX XXXX, XXXX, CA XXXX ) with my problem and we realized that somebody used my SSN and all personal information to open new bank account under my name. Also they have changed my phone number and email address in my online bank account, ordered ATM card, withdrawn some cash ( three transactions for {$1000.00} each ) from me ( ATM in XXXX XXXX, CA ) also they transferred {$6000.00} from my credit card to new account # XXXX they opened. I had to close my old account, ordered new debit and credit card, changed my username and login for online banking and pin code for debit card. After I left the branch I was trying to access my online banking again using new user name and password and no success again. I went to the branch next day and they said that somebody called and pretended to be me and asked why the account was closed. When they did not answer to security question correctly the operator blocked my new account again.
Consumer complaint received 2021-12-16
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)

My information was used by someone who stole my identity to get credit accounts on my name, and not pay and they debts ended up in my account in collection unpaid and I'm left on the hook. my name ruined i can barely qualify for credit or better interest rate. 
this report is me trying to fix all the harm done to me my my life my good name.
Consumer complaint received 2021-12-16
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. (CA)

I am writing to you to block the following listed items from my report immediately which are not authorized by me. I became a victim of IDENTITY THEFT a couple of years ago. I have noticed that many items appeared in my report which was never opened by me. You are reporting Inaccurate, incomplete, or unverifiable accounts. 
I am listing all the items below which are needed to be removed according to the Identity Theft reason or according to my request and reason attached with every account : Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2021-12-16
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. (CA)

I am writing to you to block the following listed items from my report immediately which are not authorized by me. I became a victim of IDENTITY THEFT a couple of years ago. I have noticed that many items appeared in my report which was never opened by me. You are reporting Inaccurate, incomplete, or unverifiable accounts. 
I am listing all the items below which are needed to be removed according to the Identity Theft reason or according to my request and reason attached with every account : Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2021-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (OR)

I have tried to cancel my Credit Card with American Express 4 times now and the card is still open. American Express continues to charge me fees when I don't have a balance. Each time they haggle me and pass me off, leave me hold for over an hour. The last 2 times I have called American Express I was on the chat line for over an hour before they agreed to cancel but they did not. In the meantime American Express continues charging me annual fees and interest when I don't even have a balance.
Consumer complaint received 2022-09-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (NC)

I have continued to receive harassing phone calls, letters, and threats to my credit for alleged late payments to Rocket Mortgage. I have called repeatedly since XXXX, have had late fees removed repeatedly, and requested that they update their accounting to reflect a current payment status. The company continues to state that I have had returned payments and owe additional mortgage payments. There have been XXXX months this year and I have made a total of XXXX on time mortgage payments which have been verified by my bank and none were returned for non-payment. I have submitted proof to Rocket Mortgage that all payments were processed and they continue to falsely accuse me of missing payments. I have suffered financially due to erroneous late fees, threats to my credit, harassment, and slander from this company. I sought legal advice and the attorney informed me to launch an investigation with this organization. I really need assistance and to hold this company accountable for illegal business practices.
Consumer complaint received 2021-12-16
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. (TN)

I am writing to you to block the following listed items from my report immediately which are not authorized by me. I became a victim of IDENTITY THEFT a couple of years ago. I have noticed that many items appeared in my report which was never opened by me. You are reporting Inaccurate, incomplete, or unverifiable accounts. 
I am listing all the items below which are needed to be removed according to the Identity Theft reason or according to my request and reason attached with every account : Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2021-12-16
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. (TN)

I am writing to you to block the following listed items from my report immediately which are not authorized by me. I became a victim of IDENTITY THEFT a couple of years ago. I have noticed that many items appeared in my report which was never opened by me. You are reporting Inaccurate, incomplete, or unverifiable accounts. 
I am listing all the items below which are needed to be removed according to the Identity Theft reason or according to my request and reason attached with every account : Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/2024.
Consumer complaint received 2024-03-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (VA)

I'm writing to ask for the removal of late dates on disputed items from my credit report. Despite my efforts to verify inaccuracies with the information provider, there has been no response. I request the credit bureau to update my consumer file in accordance with the FCRA, as the reported information is unverified and lacks proof. XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}.
Consumer complaint received 2021-12-16
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. (CT)

In late XX/XX/2021, i Received a letter dated XX/XX/2021 from XXXX XXXX Claiming to represent XXXX XXXX XXXX XXXX. The letter alleged a debt which i do not owe. This collector is fraudulently attempting to collect debt I don't know by using coercive tactics. XXXX XXXX XXXX has reported the debt to the 3 major credit bureaus without giving me an opportunity to respond within 30 days. As i file this complaint the 30 day period which is required by the law for me to respond to the letter has still not elapsed yet. i have already sent a letter of dispute to XXXX XXXX XXXX XXXX, and attached copies to this complaint. Equifax is unlawfully reporting this item on my credit report without diligently checking the accuracy of the information and whether the furnisher has been compliant with federal law. Equifax is in gross violation of my rights as they have continually done in the past. 

XXXX AND XXXX HAVE DELETED THIS INACCURATE FROM MY CREDIT REPORT. EXQUIFAX ONCE AGAIN VIOLATES MY RIGHTS AND COSTS ME MORE IN INTEREST.
Consumer complaint received 2022-05-26
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: EQUIFAX, INC. (VA)

I am an authorized user on an XXXX XXXX card and a XXXX XXXX XXXX XXXX card. The two cards only show on my XXXX XXXX report. They are not showing on my Equifax and XXXX reports. XXXX XXXX was contacted this month and they stated that they have been reporting the cards to all three credit bureaus as of XX/XX/2020 and every month thereafter. After contacting Equifax and XXXX, they are stating that they have never received the information from XXXX XXXX.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX and XXXX and XXXX and XXXX are the same two loans on my credit report a total of 4 times instead of two. HOW MANY XXXX YEARS IS TRANSUNION GOING TO REPORT THIS INFORMATION, 22 Years later from the original date and every time someone updates that date it starts all over, the law states it has to come off my report 7 years from the original date you XXXX! Transunion is over those 7 years by 16 years, and I want those loans off my credit report immediately. For 22 Years it has said XXXX XXXX XXXX, not different companies, 22 XXXX  XXXX years! TAKE THESE LOANS OFF MY CREDIT REPORT NOW OR I WILL HOLD TRANSUNION AND CFPB RESPONSIBLE, I HAVE HAD IT WITH EVERYONE. I will file a law suit if you do not fix this immediately, you have XXXX with the wrong person both of you for 22 years now. CFPB you XXXX at your job and Transunion I hope someone throws your XXXX  XXXX XXXX in jail. You all have been warned, the next step is a suit against Transunion and CFPB. I have asked for this to be corrected for the final time. I promise you that you will all XXXX XXXX XXXX XXXX up in the biggest XXXX XXXXXXXX way ever!
Consumer complaint received 2022-12-19
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. (PA)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE THE ITEMS I NEED DELETED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT & DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT
Consumer complaint received 2024-03-12
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)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/2024.
Consumer complaint received 2024-03-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (VA)

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.
Consumer complaint received 2021-12-16
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. (LA)

I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2021-12-16
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the XXXX, Experian and XXXXXXXX XXXX XXXX and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax, XXXX and XXXX XXXX XXXX and may have got into the hands of the wrong person.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. 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. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2021-12-16
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

reported me as deceased for two years and then gave me missed payments while I was still labeled deceased. They also can not tell me What this card was used for and when it was used to have this balance. I asked for the information and they still have not furnished it and still up until a week ago had me as deceased in their records which has caused me declined applications or fair credit rates.
Consumer complaint received 2017-11-15
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. (GA)

ON XX/XX/2017 TIME XXXX I CALLED TRANSUNION CREDIT BUREAU ABOUT FRAUDULENT INQUIRIES IN THE Account Review Inquiries AREA. I SPOKE TO XXXX XXXX IN THE FRAUD SPECIAL HANDLING DEPARTMENT. I LET HER KNOW THE FRAUDULENT INQUIRIES AND THE AREA OF THE INQUIRIES SHE STATED FIVE DIFFERENT TIME SHE CAN NOT DISPUTE INQUIRIES IN THIS AREA, I KNEW THAT WAS NOT THE TRUTH. I GAVE XXXX XXXX FIVE DIFFERENT TIMES TO CHANGE HER STORY SHE PUT ME ON HOLD FOR 15 MINS.  AND CAME BACK AND SAID HER SUPERVISOR IS GOING TO LET HER DO IT. XXXX XXXX IS IN VIOLATION OF 15 U.S. 1692 FALSE OR MISLEADING REPRESENTATIONS, AND 15 U.S. 1681-2 REPORTING INFORMATION WITH ACTUAL KNOWLEDGE OF ERROR. I STATED TO XXXX XXXX THAT THESE INQUIRIES ARE FRAUD.
Consumer complaint received 2022-12-19
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (SC)

I filed a dispute when I was charged twice and services weren't received. One charge was resolved and the other is outstanding. Capital One said to contact the vendor that the dispute had been closed. I contacted the vendor and they said they never received money and I needed to contact Capital One.
Consumer complaint received 2022-05-25
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. (NC)

In accordance with the fair credit act XXXX Account # XXXX # 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 XXXX XXXX Bankruptcy, 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 instruction.