davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

MY CREDIT SCORE XXXX. WOW and all with " we are here to help! '' Of course the LENDERS report as the lenders do the NEGATIVES IMMEDIATELY and EVEN THOUGH they have real time connection to incorrect information - they have XXXX to correcting wrong information-do they ; not SHOULD THEY ; RIGHT! THE SYSTEM WORKS FINE AND YOU KNOW WHY! YES, You the CFPB know this evil well but do nothing! A NUMBER OF INCORRECT POSTINGS AND IF AND WHEN THEY FINALLY REPAIR THEM NO GOOD! Then you have third party reporting and even when you have a number of complaints open about them they report wrong and then the case is closed immediately even though incorrect, full or misrepresentations and omissions and you allow this facade to continue. Then we have to actually hear " we are here to help! AND HOW WONDERFUL A CUSTOMER WE ARE. '' This is by opinion an ideal opportunity to destroy and get! Please by opinion a charade so enormousness it is beyond solution because its rooted in evil and no solution is possible unless you scrap all involved! Skip payments they never apply- withdrawals taken even when instructed not to via multiple legal notifications, omission, lies, deceit and no recourse! Yes by ones fruits!
Consumer complaint received 2020-08-06
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on identity IQ and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. XXXX XXXX   XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2020-08-06
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. (AR)

MY WIFE AND I HAVE BEEN A VICTIM OF IDENTITY THEFT. WE PULLED OUR CREDIT BECAUSE WE KEPT GETTING CALLS ABOUT A DEBT WE OWED FROM A RENTAL PROPERTY. WE HAVE NO IDEA WHAT THIS DEBT IS ABOUT. THERE ARE SEVERAL THINGS ON OUR CREDIT THAT DO NO BELONG TO US AND THAT WERE OPEN UNDER JOINT ACCOUNTS WITH OUR NAMES AND SOCIAL SECURITY NUMBERS. PLEASE REMOVE THESE FRAUDULENT ITEMS FROM MY REPORT. XXXX   XXXX {$6900.00}
Consumer complaint received 2020-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: R & B Corporation of Virginia (VA)

XX/XX/2020 After checking my credit report, I noticed a collection placed by Credit Control ( XXXX XXXX XXXX XXXX ) in the amount of $ XXXX was not aware of this bill, and to be just placed on my credit report is unethical and actionable. 

I, the consumer have a right to request VALIDATION on this debt. 
That right was taken from me, when Credit Control skipped the process and put on my Credit Report.

I need this debt Validated, To include the original debt, itemization of this debt- to include dates and services. I will search my records and see what was covered by insurance. 

I am disputing this inaccurate and erroneus reporting, this is a violation of the Fair Debt Reporting Act.  Not to mention Violation of HIPPA-signatures, and releasing my health information for other parties to publish, I am requesting my records immediately. 

Please provide all the above information, AND remove this debt from ALL my reports. 

Send My Information To The PROPER and CORRECT address for me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Va XXXX I intend to get the bottom of this matter and take the proper channels to get results. 

XXXX XXXX Soc.Sec # XXXX
Consumer complaint received 2020-08-06
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. (AR)

MY WIFE AND I HAVE BEEN A VICTIM OF IDENTITY THEFT. WE PULLED OUR CREDIT BECAUSE WE KEPT GETTING CALLS ABOUT A DEBT WE OWED FROM A RENTAL PROPERTY. WE HAVE NO IDEA WHAT THIS DEBT IS ABOUT. THERE ARE SEVERAL THINGS ON OUR CREDIT THAT DO NO BELONG TO US AND THAT WERE OPEN UNDER JOINT ACCOUNTS WITH OUR NAMES AND SOCIAL SECURITY NUMBERS. PLEASE REMOVE THESE FRAUDULENT ITEMS FROM MY REPORT. XXXX   XXXX {$6900.00}
Consumer complaint received 2020-01-02
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. (KY)

I called Chase sapphire ultimate travel rewards to book travel for two on a XXXX XXXX flight. I was supposed to receive a 50 % bonus from using my points through Chase but instead they attempted to use more points than it would have cost me to book the flight myself through XXXX. 

Chase said I would need to use XXXX points but the two flights combined were only XXXX ( XXXX x 2 ). 

Chase Sapphire advertises a 50 % bonus when using points but for me to use their system I would have received a negative reward. 

I can transfer my existing points from my Chase Sapphire card to my southwest rapid rewards account 1 to 1. How can a company charge you more when they say you are supposed to get a reward/benefit? 

I feel completely tricked. This card has a high annual fee, almost {$500.00}, so the benefits are the main motivating factor in getting this card.
Consumer complaint received 2023-06-29
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (TX)

On XX/XX/2019 I entered into an agreement with Vanderbilt Mortgage and Finance , Inc. at XXXX XXXX in XXXX Texas with XXXX from XXXX XXXX XXXX. She nor VMF clearly and conspicously, explained my right to rescission. I have recently discovered other misrepresentations in the agreement which render it void. VMF customer service continues to ignore my requests for information, even so much as refusing to sign for a XXXX letter I sent.
Consumer complaint received 2020-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OTHER ACCOUNT 1. XXXX XXXX   with ACCT # XXXX opened on XX/XX/2018 with a balance of {$2900.00} -This is not my account.
Consumer complaint received 2015-06-26
Product: Credit card — 
Issue: Rewards — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have a Fidelity XXXX card issued by FIA. I have XXXX issues. 1. When I originally applied to the card, I was responding to an offer that promised a {$100.00} cash bonus upon approval of the application. I never received the account opening bonus. XXXX. The card has a 2 % cash back program ... the cash is deposited into my linked Fidelity XXXX account monthly ... .which has been working flawlessly except there was no deposit for the month of XXXX. I have dispute the points/cash back calculation with FIA but got a letter saying the calculation was accurate ... which is not possible because I have made purchases every single month ... .in other words, there was no month since I 've opened the account where the balance was {$0.00} and I should not have received cash back XXXX. I recently received a credit from a merchant ... .this was a refund against a purchase made on a different card which is now closed so I opted to receive the refund on my FIA card ... .but this has offset cash back points. This should not have happened as it is not a refund of a transaction that was originally made on this account but rather essentially a payment.
Consumer complaint received 2022-12-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dear CFPB, I am filing a complaint against XXXXXXXX XXXX XXXX, for reporting inaccurate & erroneous information in my credit reports & files. I have tried numerous times to resolve these issues to no avail. In some instances they have agreed to remove inaccurate, erroneous, and outdated information such as the fraud statements and misspelled names and bad addresses and bogus employers, I never worked for. My most recent request to remove the bogus information was XXXX and XXXX of this year. The erroneous information is still in my file although they said it was removed. 

I am also filing the complaint against TransUnion the the same erroneous Public Records information which was not verified and should be deleted permanently. they claim was verified XXXX, but wasn't see attached Opt out letters dated before that date. 

Also the inaccurate employnent XXXX verified XXXX & XXXX XXXX XXXX
Consumer complaint received 2020-08-06
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. (FL)

I've contacted XXXX and XXXX  regarding removing the information from my credit report. I've provided proof and information and still no correction. I've received notice from the creditor that the XXXX  XXXX Account that has listed as XXXX and XXXX as being 30 and 60 days late in the history is to be removed from my credit report, XXXX Florida that is reporting a 30 day late history for XXXX is to be removed and XXXX XXXX that is reporting late for XXXX in the history to be removed. 

I have attached documentation from each creditor.
Consumer complaint received 2021-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (NY)

in communicating with American Express, it has come to my attention that my consumer rights are still being violated. American Express has consistently avoided providing me with the information originally requested in the original communication. Statements is not a means to verify and validate an alleged debt. American Express is not adhering to federal law because they are constantly choosing to send documents that have nothing to do with debt validating. 

please refer to the attachments for the account identifier number that being requested.
Consumer complaint received 2020-09-28
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/2018 with a balance of {$13000.00} -This is not my account.
Consumer complaint received 2020-08-06
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 AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2020-08-06
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX
Consumer complaint received 2022-11-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (TX)

I was scammed by a fraudulent Company under the name of XXXX, they manipulated me into investing and after a few Investments i was not able to make a profit and later i found out the website was a scam altogether. Crypot.com had full knowledge of this website and the fact that they are Illegitimate.
Consumer complaint received 2020-08-06
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I recently received a notice that Capital One has reduced my credit limit by {$4000.00}. I have been with them for an extended period of time. I have never been late nor have I had any problem with them. 

I can see no legitimate or logical reason for them to do this. 

This action taken by Capital One has now negatively affected my credit score because it has changed my Credit/debt ratio. This is through no fault of my own and the reps tell me that they are not authorized to fix it.
Consumer complaint received 2020-08-06
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've contacted Equifax and XXXX regarding removing the information from my credit report. I've provided proof and information and still no correction. I've received notice from the creditor that the XXXX  XXXX Account that has listed as XXXX and XXXX as being 30 and 60 days late in the history is to be removed from my credit report, XXXX Florida that is reporting a 30 day late history for XXXX is to be removed and XXXX XXXX that is reporting late for XXXX in the history to be removed. 

I have attached documentation from each creditor.
Consumer complaint received 2022-12-29
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: NAVY FEDERAL CREDIT UNION (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2024-02-26
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)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Consumer complaint received 2020-08-06
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)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2020-09-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SOUTHERN TRUST MORTGAGE LLC (VA)

I am an 100 % XXXX XXXX who was attempting to buy a newly constructed house using my VA loan. I was already pre-approved for up to 400,000 by XXXX XXXX  which was the lender that I chose to use but when I put a bid in on the house the realty company ( XXXX XXXX XXXX XXXX   ID ( XXXX ), the builder : ( XXXX XXXX XXXX XXXX ) and the lender that they are associated with which is ( Southern Trust Mortgage ) were requiring that I get a second opinion from their lending agent XXXX XXXX from Southern Trust Mortgage to see if he could get me approved for a mortgage before allowing me to buy the house. I had already chosen my lender XXXX XXXX   and was already pre-approved so I told the realtor that I was not going to allow Southern Trust Mortgage to pull my credit because I had no association with Southern Trust Mortgage. The builder was also giving 2 % on closing costs and other incentives if I used their mortgage company. I was told through my realtor ( XXXX in XXXX ) that they refused to give me those incentives if I didn't use Southern Trust Mortgage. I feel that I was being discriminated against due to the fact that I am XXXX American and my Mortgage company are both XXXX American owned businesses. I feels as though the builder, realtor and lender felt as though I could not afford the home which was priced at XXXX. I bought a home 3 days later for XXXX with no problems.
Consumer complaint received 2020-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

On XX/XX/2020 my Bank, Santander, debited my account for a Remove Adj Covid Stimulus Payment in the amount of {$170.00}. I called the bank and asked them why they did this? They could not find my stimulus payment, as I never received one. Additionally, I paid overdraft fees in which they presented to the public, they were waiving. Their response was they dont know why it took so long to debit this charge and that it should have been done by XX/XX/XXXX. They claim that it was a credit to benefit me when I started receiving my unemployment benefits that were being direct deposited. Why would the transaction of XX/XX/2020 indicate Covid adjustment, if it wasnt that?
Consumer complaint received 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

Hello, I have applied for a mortgage in 2021. My lender is unable to pull my credit reports. They have not had any problems since 2021. XXXX  and XXXX are fine. I am having a problem with Experian not releasing credit report and not allowing me to log in or access it. THey have transfered me to everyone under the sun and no one can help. One rep says I have a freeze or a fraud alert.Then the next representative says I do not have it. Then experian says that there is an error in their back end and will take several days to fix. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are all the phone numbers they keep telling me to call. I have excellent credit and experian is refusing to give my my credit report and give access to my lender. Who have had access before for a whole year and no problems at all. Until last week. I need help to get these people to do their jobs and be compliant.
Consumer complaint received 2020-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX is showing my account as " dismissed '' in the comments and " Derogatory '' as a condition. I had disputed the account with Transunion once, but they listed the account as in dispute and I'm applying for a loan and had to remove the dispute. XXXX is no longer in business or filled bankruptcy and Transunion didn't update. 

This loan was list in XX/XX/XXXX to be included in a bankruptcy ; the bankruptcy was dismissed XX/XX/XXXX. At the time Everhome owned the mortgage and transferred it to XXXX XXXX who then merged with XXXX. XXXX transferred this account to XXXX XXXX XXXX  in XX/XX/XXXX. See notice of transfer from XXXX. XXXX never had the account listed as dismissed. 

I need the account to remove " dismissed '' from the comments and remover derogatory. This has caused my credit score to drop and I have to pay higher interest. Caused multiple pulls from the mortgage company. And the loan could be denied.