davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-26
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. (GA)

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX CERTIFIED MAILING SLIP XXXX XXXX XXXX XXXX XXXX EQUIFAX INFORMATION SERVICES INC XXXXXXXX XXXX XXXXXXXX XXXX GEORGIA XXXX CERTIFIED MAILING SLIP XXXX XXXX XXXX XXXX XXXX Someone at the agency signed for it on XX/XX/2021 I, the consumer, and the Creditor for each account that is being reported on the consumer credit report is being reported without the consumer 's expressed written consent. EQUIFAX AND XXXX  was sent an affidavit of truth stating that I am the original creditor and EQUIFAX AND XXXX  has 10 days to remove ALL ACCOUNTS that are in direct and indirect violation with the FDCPA 15 USC 1692 ( entire section ). Each account on the consumer 's profile is false and misleading because, I, the consumer never gave EQUIFAX AND XXXX  any written express consent to place inaccurate information on the consumer report pursuant to 15 USC 1681a ( e ) and EQUIFAX AND XXXX  is in receipt of the INVOICE I sent that shows they are in violation.
Consumer complaint received 2021-07-26
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. (MI)

Dear, XXXX, XXXX, Transunion I NOTICED IN MY CREDIT REPORT ACCOUNTS IN MY XXXX, XXXX, TRANSUNION CREDIT FILE THAT ARE INACCURATE AND I TREID TO REACH OUT TO THE TWO THE CREDIT BUREAS IF THEY CAN INVISTAGATE AND RESPOND TO BE WITHIN IN 30 DAYS. THEY HAVE NOT RESPONDED SINCE MY FIRST LETTER THAT I SENT CERTIFIED. ON XX/XX/2021. HERE ARE THE TRACKING NUMBERS. AND THEY WERE RECEIVED. XXXX XXXX XXXX XXXX XXXX XXXX. PLEASE PROVIDE A TIMELY RESPONSE TO THIS MATTER AS MY LIFE DEPENDS ON IT.. MY FAMILY IS COUNTING ON THIS.. I AM THE ONE AND ONLY PERSON WHO WROTE THIS DISPUTE. PLEASE DO NOT RESPOND BACK SAYING ANYTHING OTHERWISE.. THANKS FOR YOUR TIME
Consumer complaint received 2021-07-08
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. (SC)

Unauthorized use of credit report. Sent letters to dispute items to bureaus on XX/XX/2021 and have not received a response.
Consumer complaint received 2021-07-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (NY)

Someone called me on XX/XX/29 and pretended to be a XXXX customer service, who alleged that she could help me to fix my account. She asked me to install a software XXXX ( if I remember correctly ) to control my computer. And then she kept taking out money out of my bank accounts and saying this is for verification and would give the money back to me. She also helped fix my Chase bank account. 

Luckily two days later I realized this was a scam. I called the two banks to stop my payments. The Chase bank could stop the payment in time but it was too late for the XXXX account. I'm now in the process of disputing with the two banks and have got most of my money back. 

But for the {$500.00} through XXXX in Chase, I failed to get it back. The Chase bank considered the money was authorized to pay but the fact is because my computer was totally controlled by the hacker.
Consumer complaint received 2021-07-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NC)

I tried to pay my mortgage off with Select Portfolio Servicing online and called when I was unable to. I was told they would sent a payoff statement with final amount and payment procedures. I received that letter XX/XX/2021. I went to the bank on XX/XX/XXXX, purchased a bank check in the exact amount the letter stated, mailed the payment with a copy of the payoff statement overnight. My tracking information confirmed they received it on XX/XX/2021. The payoff quote was good through XX/XX/2021. 
The payoff quote consisted of a small mortgage balance of {$180.00} and " other fees '' for a final total of {$1800.00}. I have been receiving phone calls and letters from Select Portfolio Servicing since XX/XX/XXXX because the {$180.00} amount was never applied to my account. SPS has been aware of that error since XX/XX/XXXX. 
To date, they have sent out an Early Intervention Notice on XX/XX/XXXX which led to people contacting us wanting to buy our house which is not for sale. On XX/XX/XXXX, they sent a State Required Information Notice. 
I am worried about our credit rating at this point and have no confidence in resolving this matter.
Consumer complaint received 2021-07-25
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: BARCLAYS BANK DELAWARE (IL)

Barclay MasterCard. I was solicited by Barclay for a 0 % APR on purchases made starting XXXX, XXXX until XXXX XXXX. Once I accepted the offer, which was in a pop-up box, the terms were no longer viewable. I received no confirmation with terms, I can not see terms on their website, terms are not viewable on my credit card statement. 
I had a balance of XXXX before the promo began I paid XXXX in full on XX/XX/XXXX bringing my balance to XXXX I then made a charge on XX/XX/XXXX ( the first day of the promo ) for XXXX. 

My current statement dated XX/XX/XXXX shows a balance of XXXX, minimum payment due of XXXX. Unfortunately in the Interest Charge Calculation section, it states that XXXX will be subject to 14.99 % APR if I carry a balance, and XXXX will be subject to 0 % APR. Those two figures total XXXX. So my understanding is if I only paid the minimum payment of XXXX, I would be subject to 14.99 % APR on a portion of the balance carried. 

I called the toll free number for clarification on XX/XX/XXXX and the first rep I spoke with could not answer the question. I then spoke with her manager XXXX in XXXX, NV who actually stated " I don't know ". 

I feel as though I have been tricked. 
My balance was XXXX on XXXX XXXX. I made no new charges until the 0 % APR promo offer began on XX/XX/XXXX. 
So now I'm forced to pay my entire bill, instead of enjoying the 0 % APR that was promised.
Consumer complaint received 2021-07-26
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: JPMORGAN CHASE & CO. (NJ)

In XX/XX/XXXX I made a large purchase ( {$21000.00} ) split across three different credit cards with Chase, XXXX, and XXXX XXXX. 

Chase : XX/XX/XXXX - {$1400.00} - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX - {$4200.00} - XXXX XXXX XXXX -Documents and information submitted to Chase , no action performed. 

XXXX XXXX : XX/XX/XXXX - {$5000.00} - XXXXXXXX XXXX XXXXXX/XX/XXXX - {$5000.00} - XXXX  XXXX -Documents and information submitted to XXXX XXXX, no action performed. 

XXXX : XX/XX/XXXX - {$5000.00} - XXXX *XXXX  XX/XX/XXXX - {$300.00} - XXXX  XXXX The purchase was a scam, but I was not made aware until XX/XX/XXXX. The Federal Trade Commission ( FTC ) put out a statement confirming it was a scam, and after speaking with the case representatives, I was told the Creditors/Credit Card companies should take the information from the FTC and remove or waive the debt related to these transactions. 

I contacted each creditor ( Chase, XXXX, XXXX XXXX ) multiple times, with many phone calls trying to talk to someone that could help me. 

-- Chase offered no help, and after performing an investigation, I was sent a letter of the results. The investigation results that Chase did was : " Transaction from XX/XX/XXXX for {$0.00} '' It feels like they did not even care. 

-- XXXX XXXX shortly removed the transactions from my account, and then put the transactions back with no explanation. 

-- XXXX removed the transaction, and then put the transaction back, stating " The merchant refused to refund the purchase. We are not a law enforcement agency, and we can not do anything else. '' I provided the full legal documents from the settlement by the FTC and none of the three creditors could assist me. I am now being told my account will be closed, and the debt will be considered 'bad debt '.
Consumer complaint received 2019-12-15
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. (OH)

I dont have an account with any of these companies or never applied for an account with these companies. it is affecting me from getting a small business loan for my business. XXXX XXXX credit card is unknown to me i been trying for years to have it removed after my ftc case in 2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX, OH XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, DE XXXX XXXX
Consumer complaint received 2021-07-25
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: BARCLAYS BANK DELAWARE (FL)

I AM VICTIM OF IDENTITY THEFT. MY IDENTIFICATION CARD AND SOCIAL SECURITY CARD HAS BEEN COMPROMISED MULTIPLE TIMES AND THESE ACCOUNTS ARE THE RESULT OF THIS IDENTITY THEFT AND FRAUDULENT ACCOUNTS. I RECENTLY PULLED MY XXXX XXXX AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
Consumer complaint received 2021-07-25
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: JPMORGAN CHASE & CO. (FL)

I AM VICTIM OF IDENTITY THEFT. MY IDENTIFICATION CARD AND SOCIAL SECURITY CARD HAS BEEN COMPROMISED MULTIPLE TIMES AND THESE ACCOUNTS ARE THE RESULT OF THIS IDENTITY THEFT AND FRAUDULENT ACCOUNTS. I RECENTLY PULLED MY XXXX XXXX AND XXXX  CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
Consumer complaint received 2021-07-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (CA)

It was anuthorized transaction that I did report to the company they promised to canceled and return money by the end of the day, they even put the transaction. As canceled on their website. And now they algate that the money was collected by receiver whe I call them and told them that it was and anuthorized transaction to cancel that I dint know the other person and they refused to put money back in to my account or refound a money that I dont used or authorized no body to used
Consumer complaint received 2021-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OH)

The credit reporting agencies did not correct my score to where it should have been up in XXXX of XXXX, even though the letter I had sent stated that the school loans was all discharged as far back as XX/XX/XXXX. Also XXXX  took my credit score down another 55 points after the results from my dispute with CFPB. I have notice that they went up 55 points and then they went back down 55 points. This needs to be investigated to see why this is happening, and why my scores don't reflect the discharge letter that I sent in to show how far this corrections should have been completed.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NC)

On XX/XX/XXXX my wife and I applied for an auto loan at XXXX XXXX of XXXX. XXXX subsequent banks also filed an inquiry that day. My wife was not sold on the car or terms so we later in the day attempted to do an application that day at XXXX XXXX of XXXX. This dealership nor XXXX XXXX XXXX could pull credit. We have been on the phone most days for the past week totaling XXXX hours and counting trying to reach someone to help us. We have sent in a package of documents that have still yet to be received by Equifax, even after sending them overnight. We finally found out today, XX/XX/XXXX that now our credit reports are mixed together which is why we are having issues. I have been told to once again send in paperwork to prove my identity along with my wife. I am tired of spending money to have our issues fixed and Equifax continues to do nothing. I was told this morning I could dispute and upload the documentation through My Equifax this morning, and we noticed only my information is wrong. Her name is now all over my personal information page ( Name, SSN, DOB, Employer ). I did the dispute and uploaded all documents from the list, however now she is seeing the disputes in her MyEquifax so now I am impacting her report. This is absolutely absurd. No ones information should get merged without first validating what they receive. Now I can see all of her personal information, however what if this was a stranger?? A company doing business like this puts people at risk for fraud. Our jobs also pull background and credit checks- if this is not fixed this can cost us our livelihood. I need help.
Consumer complaint received 2023-03-09
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)

This is my 1st endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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Consumer complaint received 2021-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

The credit reporting agencies did not correct my score to where it should have been up in XXXX of XXXX, even though the letter I had sent stated that the school loans was all discharged as far back as XX/XX/XXXX. Also XXXX  took my credit score down another 55 points after the results from my dispute with CFPB. I have notice that they went up 55 points and then they went back down 55 points. This needs to be investigated to see why this is happening, and why my scores don't reflect the discharge letter that I sent in to show how far this corrections should have been completed.
Consumer complaint received 2018-06-28
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. (MI)

My student loan ( serviced by XXXX XXXX ) is INACCURATELY reporting as late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. My loan was in FORBEARANCE during that entire time period so it should be marked on time. I have tried to resolve this issue with Transunion by filing a direct dispute with them. They stated in their response to my dispute that the payment history was 'verified '' .. I am unsure how this is possible since I also provided them with my payment history showing the account was in FORBEARANCE during that time frame. I have also attached an account status letter from XXXX stating my account has never been delinquent and my forbearance from XXXX XXXX proving my account was in forbearance during the period its marked late on my credit report. I believe Transunion is not actually doing an investigation and just running it through their eocsar system. It is my understanding that a credit reporting agency not correcting an inaccuracy after being provided PROOF of the inaccuracy is illegal and a violation under the FCRA. It is also my understanding that Congress decided the burden of proof falls back to the CRA and they must provide documentation to the consumer for what they are reporting. I received no such documentation. Provide me with a new credit report showing my payment chart for XXXX XXXX marked on time, with ZERO late payments. This should happen quickly since I have provided you proof of what I am saying. Or provide me with documentation as to how you are verifying this information, as REQUIRED my law, so I can do my own investigation.
Consumer complaint received 2021-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 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 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In XXXX I disputed a collection account with all three credit bureaus. The collection account was called XXXX XXXX XXXX. The account was deemed inaccurate and unverifiable by all three credit bureaus and deleted from my report. Just recently in XXXX of XXXX I rechecked my credit report and the collection account was re-added to my reports with no notification of such from the bureaus. I submitted on XXXX XXXX a letter of the FCRA section 611 ( a ) ( 5 ) ( B ) violation due to no notice of the reinsertion and received no reply.
Consumer complaint received 2021-07-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (NY)

I sent a debt validation letter which was ignored. By law since my request wasn't fulfilled by said company this should be dropped off my credit report. Attached is the first debt validation sent and proof via certified mail. Also attached will be an affidavit of truth sent by me on XX/XX/2021.
Consumer complaint received 2018-06-28
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. (NV)

They negligently or intentionally exposed me and my wife 's private information to the entire world. Such information included but is not limited to, full name, employment history, payment history, debt amounts, date of birth, social security number, etc. 

Their Director of Information Security merely had a XXXX degree in XXXX. Some of their top level passwords were XXXX.