davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  DEPT OF ED/XXXX DPT ED/XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  DEPT OF ED/XXXX DPT ED/XXXX TransUnion LLC XXXX XXXX XXXX   XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  DEPT OF ED/XXXX  DPT ED/XXXX
Consumer complaint received 2024-04-17
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (NY)

I have been paying a significant monthly fee on a Discover card and have made timely payments. In XXXX  I received notice that I could not continue to use the card if I didn't supply my Federal Income tax forms. I found this invasive and questioned their right to ask for this information considering I never missed a payment. When I contacted a representative, she was rude and dismissive and said they would not unlock the account. My question : if I can't use this card -- and not receive the service that this card allegedly offers -- why should I be obligated to continue to pay for a service I am not receiving. I intend to withhold payments until my questions can be answered in a satisfactory manner. My monthly payments are approximately {$140.00} and paid on the XXXX  of every month.
Consumer complaint received 2020-03-17
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. (CT)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX Experian XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX
Consumer complaint received 2020-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CT)

Equifax Information Services LLC XXXXXXXX XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX  XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX
Consumer complaint received 2019-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

Reported fraudulent reporting to all 3 agencies, Experian, XXXX, XXXX. All three agencies kept reporting fraudulent late payments on mortgage ( XXXX XXXX XXXX.Reported fraudulent reporting, agencies failed to remove fraudulent reporting - continuing false reporting for 10 + months, totally decimating my excellent credit.
Consumer complaint received 2020-03-17
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)

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files.
Consumer complaint received 2020-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my credit report.
Consumer complaint received 2024-04-17
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (NJ)

I am being contacted by chase bank saying I owe a XXXX charge for a credit card I did not open, I am attaching a email I received, they need to remove this card from my name and correct any information or future contact with me, I did not open any credit cards I want this rectified and my credentials out of there system and correct my credit report remove any information that has there name on it.
Consumer complaint received 2021-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have sent letters to this company to request that inaccurate addresses be removed from my credit report. There are 2 addresses that are inaccurate on my report and as a consumer my results have not been furnished.
Consumer complaint received 2020-03-17
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (CA)

Several years ago in XXXX of XXXX, I bought furniture from XXXX XXXX   a furniture company in XXXX XXXX CA for a promotional offer of 0 % interest for 36 months. They stated they would take a minimum balance every month for 36 months until debt was paid of. On XX/XX/XXXX I was given a {$970.00} interest charge and on XX/XX/XXXX I was given a {$1400.00} interest charge ballooning my balance to {$6700.00}. No one will answer my questions and they say it was in the contract however as we they explained to me in person or over the phone my balance would never be charged interest.
Consumer complaint received 2020-03-17
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. (CO)

XXXX  ; XXXX  and Transunion are reporting incorrectly a collection in the amount of {$750.00} from XXXX XXXX original creditor XXXX  XXXX XXXX. ( Please see pages attached from XXXX XXXX. ) This account does NOT belong to me. I do not now, nor have I in the past, had an account with XXXX. I have attached numerous documents as follows : 1040 form ; XXXX tax return ; XXXX tax return ; Letter of Employment ; XXXX W2 and XXXX W2. Every document attached is verifying that I reside in the State of Colorado and I have never lived in any other State other than Colorado. This collection is being reported from another State. This false reporting of a collection, on an account that isnt mine, is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2021-06-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (PA)

I was charged an overdraft fee on my Wells Fargo Checking account when the balance was shown as positive in the App after said transaction. The representative states that there was a previously posted transaction in the system which was placing my account as a negative Balance, yet that was never shown on the Wells Fargo App. I am now being charged a {$35.00} fee for a transaction that did not reflect to have sent my account into the negative. Furthermore, said transaction was a funds transfer through their XXXX system, and this system will not permit a transaction to be processed unless funds are available at the time of the transaction.
Consumer complaint received 2020-03-29
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (FL)

In XXXX 2017 Hurricane Irma hit Florida. This resulted in a federal disaster area being declared. We had uninsured losses on our property and saw in the media that people could get a forbearance on their mortgage. We decided to look in to this to help us cover our losses. We called Nationstar/Mr. Cooper and they put us on a forbearance program for our XXXX, XXXX and XXXX payment in 2017 and were told this would NOT adversely affect our credit. We were lied to and told the payments would be added on to the end of the mortgage. We found out subsequently this is was not true when we began receiving collection notices and foreclosure threats. They then told us we could apply for a modification. However, at the end of the 3 months we brought our account current. However, Nationstar/Mr. Cooper reported our loan as late payments for those 3 months to the major credit bureaus. It should also be noted that during this " forbearance '' we continued to make the escrow payments on our mortgage so as not let those cause an escrow shortage. Their own website says that " if you do not bring the account current at the end of the forbearance or enter a workout plan to bring the account current, you will be reported as delinquent. '' This implies that as long as you bring the account current, which we did there would be no adverse reports to the credit bureaus. I have tried disputing this with the lender and the credit bureaus and every time the lender says the info is accurate thus continuing to show late payments on our reports.
Consumer complaint received 2020-03-17
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: CITIBANK, N.A. (TX)

I have an account on my credit report that I DO NOT RECOGNIZE and believe it to be fraud. I have tried to call Citibank, both the savings/checking and the credit card customer service numbers to inquire. They can not locate the account with the SSN I am providing them. On my credit report it is tilted CITCARDS CBNA # XXXX with a balance of {$23000.00}. This transaction did not show up on my credit report until XX/XX/2019. Please help! I am in the market to buy a home as a first-time home buyer and I can't believe I have to deal with this when I've done nothing but keep my credit as good as possible!
Consumer complaint received 2020-03-17
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 was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX/XXXX  XXXX {$0.00}
Consumer complaint received 2020-03-17
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 was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX/XXXX  XXXX {$0.00}
Consumer complaint received 2021-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Second Round Limited Partnership, Austin, TX Branch (TX)

On my background check, I have a judgement listed as an eviction. The situation is not an eviction, this is a credit card. The credit card is from XXXX XXXX XXXX XXXX . The account was sold to Second Round collection. It went to court and I settled on XX/XX/2021. I have two settlement letters that show satisfaction from the XXXX XXXX XXXX and from Second Round. I need this removed from my background check as it shows as an eviction.
Consumer complaint received 2020-03-17
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: CAINE & WEINER COMPANY, INC. (FL)

XXXX XXXX XXXX. {$1000.00}. Open date XX/XX/2018. My credit has been severely affected by this and I have No knowledge of this collection account or No Contract with this company.
Consumer complaint received 2024-04-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A. (CA)

XX/XX/2024 - someone got access to my citi account XXXX and did a mobile deposit of {$10000.00} XX/XX/2024 - someone wired out {$3000.00} to XXXX XXXX, {$4900.00} to XXXX XXXX, {$3000.00} to XXXX XXXX. 

XX/XX/XXXX XXXX Checked bounced and account went to negative balance XX/XX/2024 - Reported to Citibank XXXX and told me that its fraud, was transferred to Citibank back office via phone and told me to wait 60 days, account is closed due to investigation and final result will be via letter XX/XX/2024 - Reported to Citibank XXXX and same thing wait 60 days account is closed due to investigation and final result will be via letter. Filed a police report in XXXX, emailed it to citibank XX/XX/2024 - Went to Citibank XXXX, They told me that nothing was reported and account is going to foreclosure. I told them what steps I needed to do to recover my bank and reverse the scammed transactions. They told me to contact local authorities and attorney. Citibank will not help.
Consumer complaint received 2020-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (FL)

Chase Bank advertised their Chase Sapphire Reserved Credit Card would offer up to {$100.00} credit per year in charges related to Global Entry or TSA PreCheck as part of the benefits of the {$450.00} annual fee. 

They honored the {$100.00} credit in year 1 ( XX/XX/XXXX ),  however, didnt give me the credit in second year of card ( XX/XX/XXXX ) even though repaid annual fee. Told me the policy was now only once for lifetime of card. I never received any formal notice of this change and wouldnt have renewed card and paid another {$450.00} ( now {$900.00} in card fees ) for this credit card had I known this. 

After contacting company they will not refund charge and only state current terms.
Consumer complaint received 2020-03-17
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)

These are not mine I have a fraudulent alert on my account the only thing I applied for is XXXX XXXX I wish I would be contacted before Credit is applied for I'm very upset about this