davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-18
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: Experian Information Solutions Inc. (VA)

I have submitted documentation to show I am the one filing this complaint ( SSN and Drivers licence is included ) and I want you to look at the files since you did not do that before. I recently sent letters over 60 days ago to this bureau or theses bureaus and they are disregarding a regular consumer disputes. I'm stressed out and have been sending letters to have theses issues resolved before this and still no response. This is stopping me from pursuing my future for me and my kids. I have attached a document as well to show what Items I am disputing.
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: PENTAGON FEDERAL CREDIT UNION (NY)

have recently obtained a copy of my XXXX  credit report. It showed a credit inquiry by your company that I do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so under section 609, physical signature. Please have this inquiry removed from my credit  report because it is affecting my loan applications and making it very difficult for me to acquire credit.
Consumer complaint received 2022-11-02
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. (TX)

There were accounts in my report that does not belong to me, I do not know how they verified it but they did not provide me anything. I sent the letters on XX/XX/2022 and util now I did not receive any response.
Consumer complaint received 2022-10-31
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: TD BANK US HOLDING COMPANY (MD)

In accordance with the Fair Credit Reporting Act This Creditor TD Bank has violated my right under 15 USC1681 section 602 states I Have the right to privacy. 15 USC 1681 section 604 ( A ) section 2. It also states that consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 1666 ( B ) a credit may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-16
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NM)

on approximately XXXX XX/XX/2022 time frame I received an offer in the mail to apply for the Delta American Express Card. The offer included my delta sky miles number ( XXXX ). The offer was XXXX free miles after I spent {$2000.00}. Well I did and American Express refuse to give me my free miles.
Consumer complaint received 2023-05-29
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. (CA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$17000.00}.
Consumer complaint received 2023-05-29
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: Experian Information Solutions Inc. (NJ)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or repair the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-29
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: Experian Information Solutions Inc. (VA)

I've found that my credit report has erroneous information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/2022, I made a payment on my Chase credit card XXXX through another financial institution in the amount of {$1700.00}. On XX/XX/2022 I check my Chase account because I received a notification that my payment was received but when I check my available credit it says {$0.00}. I called Chase 4 times on XX/XX/2022 and inquired how there was no available credit when I made a payment. Two reps were extremely rude and disconnected the line prematurely and the other two reps did not offer to credit my account even though Chase already received the funds from my financial institution. As of right now, I do not have access to the {$1700.00} AT ALL. Chase has robbed me and is holding my money hostage. I will not accept this level of discrimination according to 15 USC 1691.
Consumer complaint received 2022-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX and Transunion has continue to report a bankruptcy on my report that is incorrect and should not be there because this bankruptcy was filed fraudulently and we never authorized or signed any documents to file bankruptcy on our behalf. This has caused severe damage to our credit profile and prevented us from getting business loans and is hurting our growth potential.
Consumer complaint received 2020-08-18
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. (CA)

After checking my credit report I have found numerous inaccuracies and violations. I have contacted TransUnion multiple times to correct these errors but to no avail, as they seem not to be conducting a proper investigation. I have sent certified letters on XX/XX/XXXX & XX/XX/XXXX all of which have not been able to correct these errors. Below are the account & numerous inaccuracies along with violations ( FCRA, FDCPA ). 

XXXX - Date of Last Activity is incorrect, High Credit inaccurate, Showing a Past Due {$640.00} on a Charge Off account. 

XXXX - High Credit incorrect, Showing a Past Due {$55.00} on a listed Collection/Charge Off account, Date of Last Activity inaccurate, Date of Last Payment is incorrect. 

XXXX XXXX - Showing a Past Due {$180.00} on a Collection/Charge Off account, Date of Last Activity is incorrect XXXX XXXX XXXX - Date of Last Activity is reporting inaccurate ( account has been re-aged ) VIOLATION. 

Inquiries NOT authorized XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX -  XX/XX/XXXX Its my understanding that Transunion is solely responsible to conduct a proper investigation and report accurate information or it must be removed.
Consumer complaint received 2020-08-18
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: TD BANK US HOLDING COMPANY (NY)

I have recently obtained a copy of my XXXX credit report. It showed a credit inquiry by your company that I do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so under section 609,  physical signature. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit.
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kentucky Higher Education Assistance Authority (KY)

To Whom It May Concern : This letter is in response to your recent claim that Kentucky Higher Education Student Loan Corporation ( KHELSC )  has verified that the account they are reporting under my name is accurate. I have recently been informed that there is negative information reported by your company in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see you have failed to post payments and other credits, charges that list the wrong dates and Metro 2. These are false allegations and I challenge the accuracy, compliance and reportability of this listing. I do not consent to e-oscar or any means of automated verification.
Consumer complaint received 2020-08-18
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: BARCLAYS BANK DELAWARE (TX)

Someone used my information to apply for a Barclays credit card. I called Barclays and gave them my info and they told me no record was found. But according to my XXXX credit report there was an hard inquiry placed XX/XX/XXXX from Barclays Bank. I for fact did not apply for any type of credit around or before or after especially from Barclays company. Then a week or so later I get a piece of mail stating that  there was a hard inquiry placed but no further proof showing I applied.
Consumer complaint received 2020-08-18
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (NY)

I received a call from the number XXXX XXXX XXXX XXXX and the caller posed themselves as Chase bank collection department. They claimed I haven't paid an outstanding balance amount of {$120.00} for my Amazon account. I know I have none and contacted Amazon who confirmed my clear of debt status. I called that number back and told them I had no arrears.. They said I owe that amount of money to which I replied I would contact fraud investigation services
Consumer complaint received 2022-11-02
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: Fidelity National Information Services, Inc. (FNIS) (NJ)

ChexSystem is reporting inaccurate bank account data on me and they do not have my written consent to report any information. There are inaccurate addresses and other personal information in the report. 
The bank, XXXX XXXX XXXX is an unreliable source. ChexSystem does not have permissible purposes to report any information on me as a consumer.
Consumer complaint received 2020-08-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: JPMORGAN CHASE & CO. (NY)

I attempted to quick pay {$1000.00} for a deposit for a dog to a breeding company located in XXXX XXXX XXXX but when doing so, I never heard a response back confirming they received the money. I attempted reaching out to the contact info I had many times and heard no response confirming they received the funds and or would be able to issue me a refund for what I had sent through quick pay that apparently gone missing in thin air. I attempted to call Chase and submit a claim and they denied me because I knowingly sent the quick pay. But I did not knowingly agree to this merchant and feel as if my bank whom I am private client with, should provide insurance and investigatory backing. But they did not. Please let me know if anything can be done. Especially during a time such as this, with COVID going on. I would expect more from my trusted banking institution. I thank you in advance for your assistance.
Consumer complaint received 2022-12-30
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: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-12-30
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. (CT)

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX CT XXXX. Please update my name to : XXXX XXXX, My only social security number is : XXXX and my only and correct date of birth is : XX/XX/1962 I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2020-08-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Gotmortgage.com (CA)

I applied for a Conventional mortgage with a company by the name of Lending 3 in XXXX XXXX, CA in early XXXX, XXXX. I provided all of my income documents and signed disclosures in XXXX XXXX. On XX/XX/XXXX, I received a phone call from the processor XXXX XXXX informing me that my loan had been declined. She said that I needed to be back at work in order to have more income. It took this company 2 months to tell me I didn't qualify when all along they knew my income sources and had all related documentation. I asked if they could offer me a lower size loan or a longer term and she refused to engage with me and said no and I needed employment income, even though all along from the moment I applied they knew I was not employed and my source of income was only rental income. 

This company is not following normal business practices and are mis-leading and deceitful. All along I was told that it would work out and to be patient with underwriting. I own 3 properties and have financed home loans plenty of times, enough to know that this company does not follow the rules. They didn't communicate with me and when they did they were not interested in working with me and helping me. Today is XX/XX/XXXX and after insisting on receiving a decline letter for over a month, I just today received it in the mail and attaching to this communication. 

Thank you for your help in exposing the horrible business practices of this company.
Consumer complaint received 2024-04-15
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (TX)

In XX/XX/XXXX, Care Credit granted me a credit limit increase to $ XXXX. I have never been late on a single payment in the 3 years that I've had the account and have paid all interest due. 
As of XX/XX/XXXX my balance was {$1600.00} & upon going in to review my account I noticed that my credit limit had been decreased to {$1600.00}. This is a difference of {$4300.00} and only {$50.00} above my balance. I immediately called the credit card company. 
They informed me that they had done a recent review of my credit and found that my credit score had dropped therefore lowered my limit. I did not give permission for them to look into my credit. They indicated that I gave permission upon establishing the account at which I requested the documentation that indicated such. They said they did not have it.

I further requested to know why they would lower it to the point of making it look as though I've maxed out my credit with them and that this was going to negatively impact my credit. They do not seem to care at all which is ridiculous that they call themselves CareCredit then do something like this. 
I have XXXX other Synchrony Bank credit card accounts ( the same company that CareCredit uses ) and have not seen this unfair practice with those. This is very disturbing.
Consumer complaint received 2020-08-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nevada Credico, Inc. (NV)

XXXX XXXX XXXX XXXX did not mail me nothing in terms to this debt. The debt amount is {$36000.00} for a truck in which i work for the company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX in which I'm not buying the truck nor sign any contract saying I'm liable for damages. XXXX XXXX XXXX XXXX has insurance and have filed a with Nevada Division of Insurance to  investigate his insurance company to see if they filed a claim on the truck and any fraud that may or may not have happen with this issue.
Consumer complaint received 2020-08-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

the bank misapplied a payment for XX/XX/2020 after 6 weeks the say all is well now my statement shows {$15.00} past due big deal? it must be to them from the number of phone call from them. there is no past due amount the problem has not been fixed what a shame to have to go to a government agency for customer service!!!!!
Consumer complaint received 2020-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2017-10-13
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc. (IL)

Starting on XXXX XXXX XXXX I started contacting this bank ... I had a VERY personal situation and requested that the late fees be removed. They proceeded to tell me that it can not be done and I requested a contract to prove that. They mailed me a contract which has NO CLAUSE in it stating that they can not remove late fees. I asked about XXXX, then XXXX which happened after trying to hard to work with them and then again in XXXX. I have been getting no response other that computer generated responses which have not resolved the issue. On XXXX XXXX XXXX they sent me a message telling me that the account was officially in dispute and no changes would be made to the account until the dispute was completed including any negative credit reporting. They lied, they have negatively reported and have not resolved the complaint as of yet. I would definately warn against anyone using Comenity Bank I have other cards ( accounts ) with comenity bank other than XXXX and I have had no issues with them working with me. For some reason XXXX seems to be so difficult.
Consumer complaint received 2023-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

My credit file shows a collection from your agency. I was never notified of this collection. Also, I do not believe that this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt.