davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-01
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: EQUIFAX, INC. (GA)

XXXX XXXX opened a credit card for someone under my name and refuses to remove it!! It has an address that I NEVER lived at. XXXX XXXX XXXX XXXX XXXX XXXX. I did not open this account and demanded a signed copy of me authorizing this credit card. The bureau reported it as opened in XXXX now it says opened in XXXX. This is not my card and I never authorized it!!
Consumer complaint received 2024-03-13
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

I got an alert that I was over 30 days late on my car payment which I was not. I made the payment and also have the email and screenshot to show the date paid. I would like to have the account to reflect on time. This has lowered my credit score with my XXXX  account XXXX points which has affected my gravely. The payment was authorized on XX/XX/26 which is not over 30 days past due.
Consumer complaint received 2022-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act, the following accounts : XXXX. " XXXX XXXX XXXX '' Account Number # XXXX ( Original Creditor : XXXX XXXX ) XXXX. " XXXX  XXXX XXXX XXXX  Account Number # XXXX ( Original Creditor : 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 an account without my written instructions.
Consumer complaint received 2023-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (PA)

I received a letter from CHASE bank informing me that the were closing my credit card account. I called to find out their reason for wanting to do such, and they wouldn't provide me with a valid reason or any wrong doing. I feel that I'm being discriminated.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I pulled my credit report for Equifax multiple times this year, the most recent being XXXX and noticed inaccurate information. I sent my original letter in XX/XX/2023 and I haven't received any response from them within the 30-day window, Because of that I sent them another dispute on XX/XX/2023 letter telling them they must remove the account and also included inaccurate personal information that needed to be removed. Instead of investigating, I got a letter saying that it appeared that the dispute letter came from someone else and that I had to call them to dispute, which I know isn't the law. I sent ANOTHER letter most recently in XX/XX/2023 saying that the dispute was, in fact from me, and that they were trying to waste time. I am giving them one more chance via CFPB to make this right before I file a complaint with the FTC and XXXX ; and if that doesn't work, I have already started looking at consumer attorneys that work on a contingency
Consumer complaint received 2024-03-13
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. (AL)

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as XXXX and XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

On the XXXX  of XXXX ( and actually a few more months before than ) I have been disputing the inaccurate reporting and findings on my report that arent mine and that are not 100 % accurate by FDCPA and FCRA regulations. The accounts that are reporting inaccurately are : XXXX XXXX ( twice ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-01
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-01
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-02-28
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. (PA)

On XX/XX/XXXX, my Chase business card had fraudulent payments made on it in the amounts of : {$9300.00} and {$4800.00}. Both of these amounts were refunded by Chase to whoever made the payments. On XX/XX/XXXX, Chase then refunded again {$4800.00} to the scammer as a credit balance refund. On XX/XX/XXXX, the scammer made payments of {$13000.00} and {$3000.00}, both of which were returned. 

I received a letter in the mail shortly thereafter informing me that my auto-payments of {$94.00} did not go through and I was being assessed a late fee of {$40.00}. 
Upon checking my credit account my balance went from {$9300.00} to {$14000.00}. I discovered the fraudulent payments and returns and contacted Chase by phone immediately. 
After being on hold for upward of XXXX minutes and tossed between different departments, the chase representative told me that this is a new scam and that the investigation will go to the fraud department and they will fix my balance removing the {$4800.00} and that it may take several weeks. Also to change all of my passwords and set up a verbal code when calling in to chase. The scammer changed the phone and email on my account to their own so they could receive correspondence. Chase fixed both the email and phone number while I was on the call with them, A few weeks later I checked back again because my balance did not change except for the minimum auto-payments I was making. Again, Chase put me through several different departments and told me that fraud would take care of it and I would be receiving a letter in the mail. 

I called back at the end of XXXX and was told the same-fraud dept would take care of it, I will be getting my balance back to normal in XXXX business days. 

At the end of XXXX after checking and still no resolution to my account, I called again. This time the representative told me that I would be receiving a check in the mail for the amount of {$4800.00}. Once received I can deposit it and pay off the fraudulent activity on the card. He also said that this should not have happened in the first place, that Chase should have flagged the fraudulent payments from the beginning. 
XXXX weeks later I received a letter stating that an electronic transfer of {$4800.00} was sent to a bank account not belonging to me, XXXX that belongs to the scammer that started this whole mess. 
I called Chase and they assured me everything was ok and that they were going to escalate it to a supervisor with fraud recovery, to hold off on calling because they will be sending a letter with their findings and to take care of the additional balance on my card. 
I never received any letter. 
Today XX/XX/XXXX I called Chase again and they told me that they are sending my case to the fraud department to investigate. 

Please help! I don't know what to do, I feel like I can not get this resolved. 

Thank you
Consumer complaint received 2023-02-20
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)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. I hope the following items will be repaired as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-08
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. (GA)

Yesterday I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need these items deleted from my report. I'm working on this all on my own. XXXX XXXX, US DEPT ED,  DEPTEDNELNET, XXXX XXXX XXXX, XXXX, Inquiries : 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 CARD, XXXX XXXX
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

It has come to my attention that your reporting of my account information to the credit bureaus may be inaccurate or incomplete, particularly concerning utilization data and account history. As a consumer, I am fully aware of my rights under federal law, including those outlined in the Fair Credit Reporting Act ( FCRA ), the Consumer Credit Protection Act ( CCPA ), and the Privacy Act of 1974. Your disregard for these laws and regulations is unacceptable and will not be tolerated. Fair Credit Reporting Act ( FCRA ) - 15 USC 1681 et seq. Consumer Credit Protection Act ( CCPA ) - 15 USC 1601 et seq. Fair Debt Collection Practices Act ( FDCPA ) - 15 USC 1692 et seq. 15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies. 16 CFR Part 660 : Duties of Furnishers of Information to Consumer Reporting Agencies. I demand that TransUnion immediately review and rectify any inaccuracies in the reporting of my account information to the credit bureaus. This includes updating utilization information and ensuring the accuracy of all data reported.
Consumer complaint received 2024-03-13
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. (AL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-03-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2022-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX IL XXXX XXXX XXXXXXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX {$7100.00} XXXX XXXXXXXX Balance {$10000.00}
Consumer complaint received 2023-01-19
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: SYNCHRONY FINANCIAL (TX)

I recieved an alert about a credit inquiry for SYNCB/Dicks Sporting Goods XXXX I did not authorize this inquiry nor have i called or stepped foot in this location to begin an inquiry. Alerted on XX/XX/2023
Consumer complaint received 2023-03-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (NC)

On XX/XX/XXXX, I received an Escrow Statement from my mortgage servicer, Dovenmuehle, about an escrow refund due on our loan with them. The statement was a one page document with an image of the refund check in the amount of {$610.00}. On XX/XX/XXXX, another Escrow Statement was generated, this being my most recent Escrow Analysis. The Analysis said that the escrow refund would either be included in that statement, which it was not- we received the paper copy of the Escrow Analysis weeks ago, or it would be mailed to me within 30 days. 

More than 30 days have passed and I still have not received the escrow refund check. We have since moved and have a mail forward in place. I have also changed the mailing address on our mortgage account with Dovenmuehle. I use Informed Delivery with USPS so I can see mail that is coming and there has been no mailing from Dovenmuehle other than the Escrow Analysis statement. Clearly, our refund check was generated back in XXXX because the document has the check number on it. I called their customer service line on XX/XX/XXXX and was told to " just wait longer. '' Dovenmuehle debited our escrow account on XX/XX/XXXX for the amount of the refund like we have already cashed the check. Where is my money? Why has our escrow refund not been mailed to us yet?!
Consumer complaint received 2023-02-12
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: OneMain Finance Corporation (PA)

One main financial informed me that they would be doing a soft pull on my credit report and it wouldnt affect my score but I see that I have a hard inquiry from them and its actually negatively impacted my score and its still reporting which is inaccurate.
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc. (PA)

Credit bureaus will not update my personal information and wont remove late payments showing on consumer report. Was asked to remove all inaccurate name variations and inaccurate addresses, phone numbers and employment information from my consumer report. The bureau continues to report inaccurate payment history and personal information on my report, Causing me to be denied extensions of lines of credit.
Consumer complaint received 2023-02-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (TX)

I received an alleged debt notice from Midland credit on XX/XX/23, I sent Midland a Lawful notice and a declaration of fraud, to validating the debt and I received no response in the allowed 10 days noted on the notices. 

I informed them I have no contract with them, and they purchased the debt making them, a volunteer to paying the debt. After a debt is purchased per an attempt to try to collect or sell the debt is an act of fraud. 

I have the mailed alleged debt notice form Midland attached as well as my notices, sent to Midland asking for validation of the debt.
Consumer complaint received 2023-03-08
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

In accordance with the fair credit act this Creditor, has violated my rights under 15 USC 1681 section 602 states I have the rights to privacy. 15 USC 1681 section 604 A section 2 It also states that consumer reporting XXXX, XXXX and XXXX can not furnish an account with out my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Consumer complaint received 2024-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX TODAYS DATE : XX/XX/XXXXXXXX MIDLAND CREDIT MANAGEM XXXXXXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious MIDLAND CREDIT MANAGEM XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX