davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XX/XX/XXXX SS XXXX I want to request the removal of any and all security freeze and fraud alerts from my credit file. I was trying to apply for an account today from XXXX and I was told that a security alert of the freeze was still on my credit file.
Consumer complaint received 2020-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (IL)

On XX/XX/24 I made a Ach transfer for XXXX $ They told me because they received so many transfers, mine was delayed for 3 days, although it was processed as complete on XX/XX/24. I called in for 4 days since XX/XX/24 and each time they told me to wait the 3rd business day.

They were using this one transaction to steal money from my account.

I would like to speak with someone from their bank
Consumer complaint received 2021-10-26
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-10-26
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 called XXXX XXXX they called Me THE XXXX word aka XXXX i have them On recording the information they provided doesnt match up to any information that belongs to me they hang up on me very disrespectful the attached file stated i was sixty days passed due from XXXX to XXXX doesnt make sense at all there is no 60days In between those dates they also refused to send me a fraud packet over the phone..and i have an investigator and a police report as well they refused to get any copy of it experian wont respond to my dispute keep updating as remain which is illegal and i sent experian proof as well The debt doesnt belong to me plus my License been XXXX  for XXXX  years you cant drive oft a lot with XXXX  license and no insurance
Consumer complaint received 2021-10-26
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: Experian Information Solutions Inc. (SC)

I applied for a credit increase with XXXX XXXX. After applying XXXX advise me of information on my credit report that was incorrect. I believe the credit report pulled by them was at least 6 months old and outdated. I contacted the credit bureau that XXXX XXXX pull and they advised they did not show the information that XXXX had on file. 

I then called XXXX back to advise them the information that they advised was on my current credit report was incorrect and/or outdated for more than 8 months. The file or report used by XXXX was the reason I was denied credit. I have filed a complaint against that reporting agency as well for providing an outdated report to XXXX. 

It is my belief that XXXX is using outdated files when pulling credit reports of clients. I reached out to both Experian, XXXX, and XXXX XXXX regarding the information XXXX stated during my call with a representative on XX/XX/21, XX/XX/21 and XX/XX/21. I am not sure where and how XXXX is reviewing credit but their file does not match either of the two credit reporting agencies. 

I did not receive a credit pull alert from XXXX or from the credit reporting agency that my credit was pulled by XXXX. 

failure to use current or correct reporting data is a form of discrimination against any/and all customers and a violation of the Federal Trade Commission XXXX 

Using old and outdated reports for the certain customer ( s ) is a form of discrimination. 

There needs to be a full investigation into the pattern and practices used by XXXX for customers with being reviewed for credit increase with limits under {$5000.00} versus customers who may already have a credit limit above {$5000.00}. 

XXXX advised me they used reports from Experian and XXXX XXXX to review my request for a credit increase. 

Once again I did not get any alerts that my credit had been pulled by XXXX
Consumer complaint received 2020-12-30
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (MO)

I have never had a account with synchrony and someone used my information in the past to open fraudulent accounts years ago which they state they corrected. I tried applying for a XXXX  card which would be my first account with this bank and they denied me based on bad history with the bank but it was not my history and thats unfair.
Consumer complaint received 2020-12-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Bread Financial Holdings, Inc. (NY)

I have a debt collector calling and harassing my MOTHER IN LAW that they will put a lien on her over XXXX dollar home over XXXX of MY debt ... ... ... THIS IS NOT OKAY.
Consumer complaint received 2022-10-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent multiple letters to all XXXX of the credit bureaus and even the XXXX XXXX the company. The laws states that all XXXX bureaus have to report accurate information and in this case that is not being done. Transunion has me opening this XXXX account XX/XX/XXXX where Transunion and XXXX have me opening this account XX/XX/XXXX. Right there that is a problem because I couldn't have opened this account on XXXX different days. The even bigger problem for me is that all XXXX bureaus are reporting different dates for me making my last payment. Transunion is reporting my last payment on XX/XX/XXXX, XXXX is reporting my last payment as XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. There is no way possible that all XXXX of these different last payment dates are correct.
Consumer complaint received 2019-09-23
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. (TX)

They are fraudulent accounts being reported. I have submitted the theft affidavit and police report and they have failed to remove the fraudulent information which by law they are supposed to do.
Consumer complaint received 2021-10-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

Hi, There was two transacion y my chase account that was not authorized for me who ever use my account they was able to login to my account added a external account number in my name that was not my account and meke two transacion XX/XX/2021- {$50.00} XX/XX/2021 {$680.00} i called the bank to advided them that i didnt do this transaction after a week waiting for the resoluciton they send a letter that i did that transasion and they will take the money back from my account. I dont know how they did thier investigation never called me to get more information and they just want to closed the case.. and i really want furhter investigation in this becasue some one login to my account and did the transfer the money and now chande dont want to help more.. please need help. 
thank you.
Consumer complaint received 2021-10-26
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: I.C. System, Inc. (NC)

Dear Sir or Madam : PLEASE ADD MY # Telephone : ( XXXX ) XXXX TO MY CREDIT FILE THANKS!!! 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
1. DP OF EDUC Account Number : XXXX Please remove it from my credit report. 

2. Account Number : XXXX Please remove it from my credit report. 

3. Account Number : XXXX Please remove it from my credit report. 

4. Account Number : XXXX Please remove it from my credit report. 

5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX XXXX. Account Number : XXXX Please remove it from my credit report. 

8. Identity Theft Account Number : XXXX Please remove it from my credit report. 

9. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, NC XXXX 10. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2021-10-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Finance Company, Inc. (OK)

XX/XX/XXXX I paid {$100.00} to XXXX XXXX XXXX XXXX XXXX. On or about XX/XX/XXXX I received a collection notice from collection company in XXXX. I advised the company that the debt was paid provided a company receipt. Paid the date of service. 
In XXXX of XXXX, I was contact by second collections company on amount due supposedly due. ( {$100.00} ). I called the agent, and they said that my XXXX dollar payment was for something else. I advised that had not received any billing for additional charges since th4e date of service I sent them a copy of my receipt of payment. I Had my attorney to send a letter requesting proof of debt or debt clearance. 
No information was ever received. Contacting service provider directly to try and clear. 


Professional Finance Co XXXX XXXX XXXX XXXX., XXXX XXXX # XXXX XXXX, CO XXXX
Consumer complaint received 2019-02-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Armada Corp. (NV)

On XX/XX/XXXX I sent a dispute letter to Armada collections agency and as proof I sent the letter with a certified mail receipt. Armada responded on XX/XX/XXXX not with verification but just a print out of charges of the alleged debt. The letter sent by me plainly said to provide viable evidence bearing my signature as proof of the debt being reported to the major credit bureaus. I sent a second letter certified mail on XX/XX/XXXX I was sent the same information as before just a print out. It is now over 3 mos and they have not sent the proof I requested. I did notice they removed the item from my credit report temporarily but has since added the item to my credit report once again. Armada has violated the FDCPA { 807 } and { 15 USC 1962a }. They have not placed the clause ( Account information disputed by consumer, meeting FCRA requirements at all or within the 30 day period. I will be filling action against this company in small claims court as stated in the letter I sent on XX/XX/XXXX and XX/XX/XXXX. I have since been denied credit because of such error and this has been frustrating because it has effected my livelihood.
Consumer complaint received 2022-10-30
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: Credit Karma (CA)

Credit karma told me I had excellent approval odds on getting a used car I have been trying to get a car loan everywhere an have been denied everywhere I have so many inquires on my credit report now Ill never be able to get a loan and coming from them monitoring credit reports they should not advertise this on my home page bank through they know my financial situations and its made my credit report go down significantly in the past 2 months it was at almost XXXX now its a little over XXXX they shouldnt be able to tell there clients something thats not true Ive also contacted them about it as well
Consumer complaint received 2021-10-25
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 found out because the Dept. of Education declined my request for a parent plus loan for my daughter who is going to her 4 year in college. I had some problems with mortgage payments due to treatment and XXXX XXXX but I have been making payments consistently for over 15 months. XXXX XXXX XXXX and I came to a Forbearance agreement but I started making payments earlier then I expected. We then agreed on a Mitigation that required me to continue to make consistent payments and I have done that. 
Now for the first time, they are reporting me as delinquent and therefor affecting the parent plus loan with the Department of Education. 
I have called XXXX numerous times because Student Loans have asked for confirmation that my payments have been consistent, They have promised to send the information numerous times but they never do. I need my daughter to complete school because if she misses 1 semester, I fear that they would not go back or take a long time to go back.
Consumer complaint received 2021-10-26
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (WI)

I applied for a personal loan with one main financial. I applied through XXXX XXXX it stated I was approved for a loan amount up to {$4000.00} dollars. So I finished the application online and was called the next day stating I was pre-approved and that the final approval would be after the income was verified. But what stood out is they was telling me based on my hours of employment, SSI payments and vehicles collateral I could get a personal loan for {$15000.00} dollars. The SSI payment was off by {$200.00} and I assured the company I could prove the money will be reapplied in less than a week but the company said no they couldnt use it then my job had only given me part-time hours even doe they was able to call and verify that I was a full-time worker. So end result was I didnt qualify for any loan but they did a hard inquiry and knocked 61 points off my credit for a loan I wasnt approved for. This isnt fair because its the second time this year that the same company denied me of a personal loan even after I have a clear title of a XXXX XXXX XXXX and income.I feel I was discriminated against by the company.
Consumer complaint received 2021-10-25
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I want to request the removal of any and all security freeze and fraud alerts from my credit file. I was trying to apply for an account today from XXXX and I was told that a security alert of the freeze was still on my credit file.
Consumer complaint received 2021-10-25
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. (TX)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (NC)

I have sent multiple letters to XXXX, XXXX and XXXX asking for verfication of a Public Record as incorrect information is listed. I have been requesting this since at a minimum of XX/XX/2021. The responses I get send me in Circles. They ALL say it was verified through lexisNexis and then LexisNexis either responds they are unable to process it or that they are reaching out to the credit bureaus whom say that they verified it with LexisNexis. I also reached out to my court house to see if maybe they reported incorrect information which would make sense that the information is incorrect. But they resonded that they have no affiliation or communication wiht any credit bureau. But it is a public record so someone may have mixed and merged my information when they were obtaining the public information from PACER. It was explained to me that all information on my credit report needs to be true and accurate across the board and the only way to do that is to obtain it from the original source. If they original source does not communicate with credit bureaus how is this Legal? I am at wit ends as I hae made multiple attempts to get this resolved and just get send around in circles when LexisNexis is housing the incorrect infoamion and sharing it amongst at a minimum XXXX, XXXX and XXXX and possibly any of the other 3rd party bureaus.
Consumer complaint received 2021-10-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (TX)

This letter is to express grievance with XXXX XXXX XXXX XXXX for unfair late fee charges that run contrary to Texas Codes, specifically : Texas Property Code 92.019.

Texas Property Code 92.019 prevents landlords from charging more than 10 % of monthly rent for late fees. On 4 occasions, XXXX XXXX XXXX XXXX issued late that exceeded the state allowed amount by more than 60 %. According to Texas Property Code 92.019, because my rent is XXXX XXXX monthly and more than 4 dwellings are housed in the building, late fees should be {$68.00}. 

On the following date, XXXX XXXX XXXX XXXXXXXX fined me {$160.00} : 1. XX/XX/XXXX 2. XX/XX/XXXX 3. XX/XX/XXXX 4. XX/XX/XXXX Furthermore, XXXX XXXX XXXX XXXX disobeyed the CARES Act moratorium that prevents landlords from charging late fees from XXXX XX/XX/XXXX. However, XXXX XXXX billed late fees on the following dates : 1. XX/XX/XXXX 2. XX/XX/XXXX 3. XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-10-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

on XX/XX/2021, i sent a letter to transunion to dispute the inaccurate and incomplete items that are on my credit report and has not heard from them concerning this matter. I am asking for the items to be deleted bacause the law states that it has to be 100 % accurate or deleted
Consumer complaint received 2021-10-25
Product: Credit card or prepaid 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. (NY)

My name is XXXX XXXX. In late XXXX of XXXX my Chase credit card was fraudulently billed 289 separate charges ( plus foreign fees ) with approx total {$4800.00} by XXXX XXXX, XXXX. I called the Chase fraud phone XX/XX/XXXX to dispute these charges. The customer service rep removed the charges and issued me a new credit card. I thought the matter was closed. 

The fraudulent charges were reapplied to my new card XXXX statement. I called Chase again to dispute the charges and they said these XXXX charges were valid because I overlooked {$9.00} in XXXX charges in XX/XX/XXXX. I did dispute the XXXX charges immediately after seeing them on my bill. Does Chase mean if a customer misses a fraudulent charge from a company they are liable for any amount billed in the future from the same company? I am also disputing {$63.00} fraudulent charges from XXXX ( XX/XX/XXXX - XX/XX/XXXX ). I dont even have a XXXX app. 

I called Chase credit fraud department many times for 2 months to resolve this matter. Each time I was passed around. I have received 2 letters dated XX/XX/XXXX and XX/XX/XXXX from Chase saying the charges are valid. The agents I spoke with would not provide an email and a direct phone line. Most would not even give me their last name. How can I follow up with them? Below is a list of only some of the calls I made and the reps I spoke with : XXXX XXXX XX/XX/XXXX said he who investigate and get back to me in 3 to 5 days. He never called back. 

XXXX said XX/XX/XXXX the charges were valid. 

Talked to XXXX XX/XX/XXXX, said he will reopen investigation. XXXX called me Monday XX/XX/XXXX and told me that the all disputed XXXX are not valid. He also assured me the charges would be removed from my account by XX/XX/XXXX or XX/XX/XXXX at the latest. Today XX/XX/XXXX XXXX charges are still on my account and have not been credited. 

I sent a certified letter XX/XX/XXXX to Chase Credit Card department disputing these charges, with statements with of all the fraudulent XXXX and XXXX charges highlighted. According to the XXXX tracking it was delivered on XX/XX/XXXX.
Consumer complaint received 2022-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I am a victim of identity theft and there are names and addresses on my credit report that does not belong to me. I have contacted the companies to remove these items but they have failed to do so. The phone number on my file also does not belong to me please remove these items to minimize more theft. I do not want my information to continue being compromised and sent to addresses I do not reside at. The following addresses need to be removed as well as names and number. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX remove the information above from my credit report. 

The correct address is XXXX XXXX XXXX XXXX XXXX XXXX and the correct name is XXXX XXXX will attach my FTC report as well.