davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

I am writing to formally complain about the ongoing issue of an unresolved late open account on my credit report. This is my second attempt to address and rectify this matter, as the issue persists and continues to negatively impact my credit history, causing significant financial harm and distress. 

I would like to provide a brief summary of my previous attempts and the current situation : I initially discovered the late open account on my credit report. I promptly initiated a dispute with your credit reporting agency, providing all the necessary evidence to show that this account was inaccurately reported as late.

After my initial dispute, I patiently awaited a resolution but received no satisfactory response. Despite the dispute, the late open account still remains on my credit report, adversely affecting my creditworthiness. 

Following my previous attempt, I have made a concerted effort to re-dispute and correct this account. I have contacted your agency, provided additional supporting documentation, and communicated with the creditor involved. However, the issue remains unresolved. 

This ongoing situation has caused me significant financial hardship and emotional distress. I have diligently followed all dispute procedures and expected a timely and accurate resolution of my credit history. 

I kindly request that you take immediate action to thoroughly investigate and correct this late open account on my credit report. I urge you to rectify this matter promptly, as it is imperative for my financial well-being and peace of mind. 

I am well aware of my rights under the Fair Credit Reporting Act and other applicable laws, and I am prepared to take further legal action to protect my rights and interests if this issue remains unresolved. I am asking for your assistance to correct the late open account : XXXX  XXXX XXXX Balance : {$1400.00}.
Consumer complaint received 2023-10-24
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: Experian Information Solutions Inc. (GA)

I sent a letter to you on XX/XX/2023. Its been more XXXXhan30 days since I contacted you, and still have not heard back from you. 

So, in accordance with the fair credit reporting act XXXX accounts that is listed in the letter, 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 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-04-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (SC)

I had a 2 previous debts with XXXX XXXX that I had on my report for 7 years before it removed itself. Recently I got a notification from XXXX that a company called asset care has purchased the debt and its now on my credit again. XXXX XXXX was the original collection agency for a debt that I was never even aware of until it was placed on my credit. When I reached out to XXXX XXXX I was advised that not debt showed up and I would have to deal with XXXX XXXX. The debt is over 7 years old but it keeps reappearing on my credit. Ive disputed multiple times because of the age but they continue to sell it off and add it back.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (WI)

I have spoken to customer service five times - all recorded where they promised to remove the membership fee from my account that I cancelled in XXXX. It is now and my credit report is affected by an overdue account that was promised to me to be cancelled and XXXX  balance - five times. The last call in XXXX, an operator assured me that a complaint/investigation was being filed regarding my issue. I have heard nothing since, and my credit score had dropped severely due to a 90 days late notice. I have never experienced such a complete disregard for promises made to a customer- so many times.
Consumer complaint received 2023-04-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (MA)

I opened a checking and savings acccount with Chase after I received an offer for {$600.00} when I ( 1 ) fund the savings account with XXXX Dollars and keep it there for 90 days ; ( 2 ) Make direct deposit from employer within 90 days and. 

I made the savings deposit and I directed my employer to make direct deposit after 40 days ( I only received my checking account number and card after 2 weeks - so there was a natural delay in getting this established ). Given my payment intervals this would mean that the payment would go through 61 days or so after the account was opened. 

However, Chase closed the checking account after 60 days ( due to XXXX balance ). My direct deposit therefore didn't succeed. 

This was nowhere mentioned in the rules nor at the branch when I talked to an employee who restated the rules to me. He assured me that if I start the direct deposit then everything is fine. 

Without the account open I will not qualify for the promotion plus I spent many hours having my employer pay me after the direct deposit went nowhere.
Consumer complaint received 2023-04-09
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Resurgent Capital Services L.P. (FL)

I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
Consumer complaint received 2023-02-24
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)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-24
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. (GA)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove 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, M ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX # XXXX  XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX  XXXX, GA XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (UT)

My credit score was XXXX. I got a new card from my bank with a higher credit limit. they dropped my score XXXX XXXX. this card was obtained a year and one half after an inquire by my bank to raise credit limit on another card that i shared with my daughter who was added to the account. I have never paid late in the seven years i have credit accounts. my debt to income ratio is 2 %. my credit usage in never above 3 %. But yet I was penalized. 

I tried to get my account froze but they wanted me to buy an upgraded account to do that. that was XXXX a month. Is Experian a credit reporting agency? Or are they a for profit business that wants to make money of of consumers. they sent an e-mail today that I could get one of the cards they represent with no points taken off my score. is any of this legal?
Consumer complaint received 2024-03-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NJ)

The below transactions were not made by me as I was not in the country at the time the charges were made. I contacted Chase by phone and email about the fraudulent charges and even send them proof of my location. I sent them my flight records and passport entry stamp to another country. In the end, Chase claimed that someone used the physical card with a chip swipe. This can not be possible because I had in possession the credit card the entire time, and the charges were made in the United States. Chase would not recognize the fraud charged to my credit card account totaling {$460.00}. 

Date of Transaction Amount Merchant Name or Transaction Description Reason XX/XX/2024 XXXX XXXX XXXX XXXX You received benefit from this transaction. 
XX/XX/2024 XXXXXXXX XXXX XXXX XXXXXXXX XXXX You received benefit from this transaction. 
XX/XX/2024 XXXX XXXX XXXX XXXX You gave authorization to the user involved in this transaction. 
XX/XX/2024 XXXXXXXX XXXX XXXX XXXXXXXX You received benefit from this transaction. 
XX/XX/2024 XXXX XXXX # XXXX XXXX You received benefit from this transaction.
Consumer complaint received 2023-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (FL)

I had an account with Chime for about 6 weeks with 4 transactions ( 2 charges for ~ {$100.00} each and 2 deposits of $ XXXX and $ XXXX ). After not being able to log into my account I had a telephone conversation with a customer service person who seemed confused, and then received an email request for front/back image of my drivers license and a 2nd one requesting an secondary ID, such as a passport. ( I complied. ) They also asked the purpose of the funds in the account that I said was for nonspecific future charges. 

On XX/XX/ after providing a picture of my passport, I received an email stating " After a recent review of your account, weve found that it does not comply with the terms of the Deposit Account Agreement. Your account has been closed by Chime and is not eligible for a refund '' without further explanation. Especially disconcerting, since the account contains approximately $ XXXX, is their statement is not eligible for a refund. Ive sent several emails requesting an explanation and tried calling without success. 

Dealing with Chime has been a very bad experience. The initial debit card they claimed to send and after activating the replacement, customer service has been very bad.
Consumer complaint received 2021-02-19
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: AMERICAN EXPRESS COMPANY (CA)

XX/XX/2019 and XX/XX/2019 AMERICAN EXPRESS add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2023-04-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

I constantly check my credit report and noticed that the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. I'm demanding CFPB to enforce the correction and or deletion of these items. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the forgoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willfully misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATIONS punishable under 18 U.S.C. 1001. Additionally these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization - used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-01-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (NC)

Applied for a mortgage with XXXX XXXX, XXXX ID # XXXX, and my credit profile was pulled by the loan originator. After that, I never heard from the agent again after making several attempts to contact him through email and phone.
Consumer complaint received 2023-04-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CITIBANK, N.A. (TX)

On XX/XX/2023, between XXXX XXXX and XXXX XXXX, we were at the Macy XXXX store in XXXX at XXXX / XXXX location shopping for dresses for my son. 

My husband is already an Macy 's Star rewards member. 

The sales associate who was checking me out, deceptively collected my SSN and had me sign a credit card application form that I am not in need of. She said she will give me 25 % discount if I provided my social and click agree on the display. Despite repeated enquiry as to why it is needed, she kept pushing me that it is for my benefit and that I will be getting discounts.

After the checkout, the sales associate when she handed me the Creditcard booklet is when I realized that she applied for a new Macys Star Rewards credit card. When I confronted, she tore off all the paper documents and put them in trash and did something in the system and said that she voided all of her actions with no impact and she asked me not to share it with anyone. It is apparent that she made the choice for me and she did not let me choose what I wanted to do in this case. 

A few days later, my XXXX report said that there was a credit hit on my profile.

I did not expect the practices to be deceptive from a company like Macy 's.

Attaching herewith the receipt of purchase. Please note that the card number in the receipts and the new card that was applied for are not the same.
Consumer complaint received 2023-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (KY)

I recieved an email XX/XX/23 stating that due to my credit report, my credit limit will be decreased. I reviewed my credit report and noticed there was very little change to the report between the time I opened the card and the time that I recieved this email. When I attempted to find out from the bank why this is, they refuse to tell me. During this same conversation, the representative procedes to insult me and directed me towards their legal team when I asked to find out how to file a complaint towards this individual. After this they closed the chat.

Im still working with the reasonable employees of this bank to find out what they saw in the credit report, as I am still being told Im not allowed to know.
Consumer complaint received 2017-10-11
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: Innovis (IN)

ONCE AGAIN XXXX AND XXXX FAILED TO CORRECT THE ADDRESSES ASSCIATED WITH FRAUD AND I.D . THEFT SINCE XXXX. 

I HAVE ADVISED THEM SEVERAL TIMES THE RULE ON NOTICES OF ADDRESS DISCREPANCY, FACT ACT 315, FCRA SECTION 605H and 12CFR 41.82. ALSO, FAILED ALTERNATIVE TIMING OF ADDRESS VALIDATION.. SOMEONE USED MY I.D . TO BUY A HOUSE IN TEXAS, AND ANTHER ADDRESS IN XXXX, IL. 

I AM DEMANDING XXXX AND XXXX REMOVE OR PURGE THIS FRAUDULENT INFO FROM THEIR DATA BASES.
Consumer complaint received 2023-04-09
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. (NV)

I have several account that are over 7 years from the date of last activity still showing on my credit report. I hav disputed them several times and neither the credit bureau nor creditor has remove the information nor have they provided proof that the information I have is incorrect. I fell ill in 2016 while XXXX and was placed on XXXX. It took several month for my XXXX payments to start causing my last activity payments to be in XXXX of 2016. When I request statements from the creditors my request is met with a bill but no proof of last activity on their part. The majority of these accounts are with commenity bank aka bread financial ( I had # 7 store accounts with them ), XXXX XXXX XXXX ( this is only one acct but reported twice with different acct numbers ), XXXX, XXXX, and XXXX XXXX XXXX. Every time I dispute date of last activity is over 7 years their reply is charged off account and then their remarks being posted drops my credit score! Of course it is a charged off account but date of last activity is over 7 years.
Consumer complaint received 2023-01-13
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. (OH)

In XXXX, I filed for Forbearance and did the extensions in XXXX. I was 1 month behind at the time of the initial filing which is why I needed the forbearance. I was lead to believe that payment would be included in the forbearance. 

Every month XXXX reported the loan as 30 days late in accordance with that missed payment that should have been rolled into the forbearance. 

Every month XXXX accrued interest on that payment and forced collections on it once the forbearance period was over.
Consumer complaint received 2019-06-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (CA)

I XXXX XXXX along with my wife XXXX XXXX are in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, we are requesting very low settlements in the 20 % range of where our debts were at the last payment. Accordingly, we believe that we only have one chance at this, and if we do not start receiving settlement offers soon, we will retain the bankruptcy attorney we recently consulted. Therefore, we request letters of settlement, and we request the cease and desist from all calls to our home, cell and/or work. We desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.
Consumer complaint received 2023-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SECURITY FINANCE CORP (GA)

This company continues to use unfair and deceptive means to attempt to collect a debt. They are posting inaccurate information on my XXXX consumer profile. I've contacted Security Finance XXXX XXXX numerous times disputing this alleged debt. I've asked for validate & verify provide documentation that I am legally obligated to pay them. They did not. I asked them to Cease & Deists Communication in reference to the collection of this debt on all mediums including to any non-affiliated third parties. They did not. I've never gave consent for them to share any of my private nonpublic information. 
Also as defined by the IRS -Even if you don't receive a 1099C, you must report cancelled debt as gross income on your tax return. 
The IRS clearly defines a charge off as Gross or Ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT!! 
Security Finance is reporting this account is C/O on my consumer report they SHOULD NOT. 
Delete this account!!!
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, 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: TRUIST FINANCIAL CORPORATION (FL)

Dear XXXX  XXXX, I am writing to request that my loan payments be reported to the credit bureau. 
I understand that the regular reporting of loan payments to the XXXX and XXXX is a key factor in helping to build and maintain a good credit score. As such, I have been faithfully making my loan payments on time each month and would like to receive the credit benefits that come with having these payments reported. 

I have included my loan account information below for your convenience. 
XXXX Thank you for your time and I look forward to hearing from you. 

Sincerely, XXXX XXXX