davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-18
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-11-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (NJ)

A XXXX credit was opened in my name sometime in XXXX. I notified XXXX that credit card was not mine. That the card was opened fraudulent. They informed that would take care of it. I now get at least 30 calls a day from Jefferson Capital who owns the debt. I have attached the call log from XX/XX/XXXX.
Consumer complaint received 2021-11-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK (CA)

This is the second communication in regards to Discover who I was sent a letter via email. The phone number I contacted did not go through to a individual. ( Attempted 12 times in one day ) I subsequently called the number to see if the manager would correct the problem. My health condition is serious and I explained that I wrote down the amount of the settlement amount. The customer service manager made statements that were false and misleading as they did before. I was not told they would settle for 50 % as the manager explained that a disclosure would be required. Then in the following statement made the comment that 50 % was offered but expired in XX/XX/2021. I'm presently on permanent XXXX but did take notes and the representative when I requested 50 % and representative said it would be required to be approved. I told the representative that I would like to make it happen now to settle the account. It is at the point where they placed words into my mouth by confusing me. I suffered a serious head injury and can not understand when the agent has attempted to confuse me and places several numbers out. The one number that was said repeatedly based on notes was 65 %. The amount of 50 % would have been agreed upon with the time required to settle the matter. While this is what I can get and needed a few months was represented in a manner that confused me.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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 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
Consumer complaint received 2021-11-16
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. (MA)

Please be advised that XXXX XXXXXXXX XXXX took me to court to collect funds for their Charged Off account. The court has dismissed their motion XX/XX/XXXX. 
However, XXXX XXXXXXXX XXXX reported me again to Equifax in XX/XX/XXXX. I'm attaching the appropriate pages from the Credit Report and the copy of dismissal
Consumer complaint received 2021-11-16
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. (AZ)

On XX/XX/ at XXXX PM. I spoke to XXXX XXXX from XXXX XXXX NMLS # XXXX. I was inquiring about a refinance on a property in XXXX, Arizona. I explained that I did not want this to affect my FICA score so I did not want a Hard Inquiry. He responded that he understood, we had a pleasant conversation I explained I was looking for some options with high equity and low income. He said he was winding up the night and would continue this tomorrow on Friday XX/XX/XXXX he said he would call me first thing at XXXX. I never heard from Mr . XXXX again. Instead, I received an email on Saturday XX/XX/XXXX that stated they could sweeten the deal and I've been speaking to Mr . XXXX but haven't applied for a loan yet ( attached ). During this period, I received a warning that i had a hard inquiry and my FICA score has decreased significantly. On Monday XX/XX/XXXX  I received a text which was very unprofessional stating he was XXXX from XXXX XXXX XXXX team. At this point with my FICA effected and now this text I was concerned my Social Security and other private information was being used illegally. I responded to XXXX that I wanted he last name, telephone number and extension. I received a text on Tuesday at XXXX XXXX with the information I requested. ( attached ). I also received an email from him ( XXXX XXXX XXXX XXXX NMLS # XXXX at XXXX stating my loan was reviewed and unable to offer funding. ( attached ) ALL THIS AND I NEVER AUTHORIZED. I was finally able to talk to XXXX via telephone and explained my situation and understood he is handling this currently, he offered no explanation what was happening with Mr . XXXX and why this all started without my authorization, in fact two days after I spoke to Mr . XXXX I received an email stating no loan has been started, then three days later I received a letter from him stating loan application was not able to fund do to non activity. He had no explanation why I received this letter and told me that the letter was automatically generated because of inactive account. All this happened from Thursday XXXX XXXXevening to Tuesday XX/XX/XXXX early morning.
Consumer complaint received 2022-09-28
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2020-02-11
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. (GA)

On XX/XX/XXXX, I transferred {$15000.00} from XXXX XXXX XXXX  XXXX card to Chase Slate card. This was my response to an offer they sent me on the website. I had a XXXX   balance with Chase the day I transferred the {$15000.00} balance to them. The terms and conditions of the balance transfer are on Exhibit 1 : They are 0 % APR until XX/XX/XXXX ; Transfer fee of 4 % = {$600.00}. I have no minimum payment due. I have never had a late payment because I have never used the card. I have only paid Chase. As of today I have paid them a total of {$8000.00}. They closed my account, added late fees and other fees. They have destroyed my credit rating by lying to the credit agencies.
Consumer complaint received 2022-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

I have a credit card with american express under my current company XXXX. Prior to this, I also had a corporate card with my previous employer, which I closed in XX/XX/2022 when I changed employers. I have been consistently making payments to American Express over the last few months, but my bank has been sending the money to my old account. American Express never informed me of these unallocated funds sitting on a closed card. I have not received any interest on these funds that they have been keeping. Nor did they allocate the funds to the new corporate credit, even though they're under the same profile and same social security number. When I called them to find out what was going on, and I've been charged {$43.00} as a delinquency fee that they refused to waive. 
XXXX. They should have informed me of the funds sitting there in a closed account under the same profile. Contact details are the same. 
XXXX. At least provide an interest income to offset the {$43.00} delinquency charges XXXX. Transfer the money to the right account as its under the same profile.
Consumer complaint received 2021-11-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT. Below are the lists of the erroneous accounts reporting on my Credit Report : PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1400.00} PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3300.00} PORTFOLIO RC ( Original Creditor : XXXX CXXXX XXXX XXXX  ) XXXX Balance : {$3200.00}
Consumer complaint received 2018-09-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP. (NH)

I have recently fallen behind on my mortgage. I have made small payments in an attempt to catch up. My mortgage servicer which is 21st mortgage has at out refused to do anything or work with me. In fact anytime I call them all.they do is insult me. The insulted my XXXX husband saying he made poor choices in life by becoming XXXX. They also told me I was wrong for laying my electricity over them when my husband has a medical need for electricity. I have never been talked down to in a manner like this before
Consumer complaint received 2021-11-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.
Consumer complaint received 2021-11-16
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. (NY)

Hi there, All 3 credit reporting companies- XXXX, XXXX and Experian have inaccurate information reported. I received from the New York Civil Court Index - No : XXXX - Stipulation Discontinuing Action. I have sent copies of this court action to all 3 credit reporting companies -this is proof to remove the collections and negative items from my report. I have attached the letters and court documents for your review as well.

I have sent written letters with supporting documentation to all 3 credit reporting companies. I have spent hours on the phone with customer service and I have also disputed online at each respective credit reporting site. And still no response, nor removal as per court mandated. 

This is beyond frustrating. I am trying to buy a car so I can transport my son to and from school. 

Items to be Removed from Credit Companies : ( XXXX, Experian, XXXX ) : 1. XXXX XXXX 2. XXXX XXXX XXXX ( Collections ) 3. XXXXXXXX XXXX XXXX XXXX ) Please help! Can you contact the 3 credit reporting companies and request that these items be removed from my report, asap? Thank you!
Consumer complaint received 2021-11-16
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. (NY)

Hi there, All 3 credit reporting companies- XXXX, Transunion and XXXX have inaccurate information reported. I received from the New York Civil Court Index - No : XXXX - Stipulation Discontinuing Action. I have sent copies of this court action to all 3 credit reporting companies -this is proof to remove the collections and negative items from my report. I have attached the letters and court documents for your review as well.

I have sent written letters with supporting documentation to all 3 credit reporting companies. I have spent hours on the phone with customer service and I have also disputed online at each respective credit reporting site. And still no response, nor removal as per court mandated. 

This is beyond frustrating. I am trying to buy a car so I can transport my son to and from school. 

Items to be Removed from Credit Companies : ( XXXX, XXXX, Transunion ) : 1. XXXX XXXX 2. XXXX XXXX XXXX ( Collections ) 3. XXXXXXXX XXXX XXXX  XXXX ) Please help! Can you contact the 3 credit reporting companies and request that these items be removed from my report, asap? Thank you!
Consumer complaint received 2021-11-16
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 — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (FL)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The XXXX Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information.
Consumer complaint received 2021-11-16
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 — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (FL)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Please provide proof that the bureau 's description belongs on my report, otherwise change to PAID immediately.
Consumer complaint received 2016-11-23
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO. (LA)

I applied for a Chase Freedom Card that pays 1.5 % back and was turned down for down for the card for some reason. I called Chase on XXXX at XXXX and spoke to a representative. I specifically asked the lady if I could change XXXX of my current credit cards over to the new Chase Freedom Card and still get the {$150.00} credit applied to my account if I spent {$500.00} or more in the first 3 months of having the card and the lady told me I could. 
Chase then mailed me the new card and I in fact spent {$500.00} and more in the first 3 months. Around XXXX, I called Chase to find out Why I never got my {$150.00} credit. They told me I could not get the {$150.00} because my account was not new. I told the person I spoke to what the lady had told me about being able to get the {$150.00}. 
The lady referred my complaint to marketing and said they would be back with me in XXXX to 10 days. I never heard back so on XXXX XXXX, XXXX, I called Chase again. I spoke to a supervisor who reviewed the marketing departments findings and he even told me they had reviewed the phone call I made on XXXX XXXX, XXXX, and found where their employee told me I would get the {$150.00} as a statement credit if I spent {$500.00} or more in the first 3 months of the account being open. However, he told me this was a mistake by their employee and they had no way of giving me the credit since my account was an existing account since XXXX. So, even after finding I accepted the new card based on what I was verbally informed by their employee, they would not honor what I was told! I feel this is very wrong and is most likely illegal, as a company as large as Chase MUST stand behind what their employees inform customers! Further, it appears that Chase is willing to take better care of a brand new customer than a loyal customer of 24 year which is very, very poor business! If chase ca n't honor and stand behind what their employees tell customers, I will NOT be a customer for much longer, as they have violated my trust and banking is based on trust!
Consumer complaint received 2021-11-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent.
Consumer complaint received 2018-09-21
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)

Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified.  Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in  question. Sending out a generic form through the XXXX   system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you.