davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (CA)

My compliant is against Chase Account # XXXX, open XX/XX/2016, status closed and paid, {$XXXX} balance. Back on the XXXX of XXXX I sent a letter to the mention company that the account had fraud charges and had to be removed as required by the Fair Credit Reporting Act. This company not even took the decency of marking or investigating my account once they received my dispute letter. They did not only disregard my letter but also a Federal Trade Commission Report that was included with the letter. I want my financial freedom back and if this company does not remove fraud related account from all 3 credit bureaus and provides me with deletion letter trough CFPB, I will take this case to court and let the judge decide this dispute. This is unfair business practices, negligence, and the list of violations can go on once I seat down with my lawyers. So Im using the CFPB as my last resource for the mentioned company to remove account from all 3 reports. Im attaching the letter I sent to them, the FTC report sent to them and also proof of fax that receive the documents. Thank you!
Consumer complaint received 2023-02-15
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. (KY)

I appreciate you making the effort to update and delete some of the data on my credit report, but there are still some items that need to be repaired. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-10
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. (IL)

You all reported a late payment Credit transactions are exempt from being reported to damage consumers. 

See 15 Usc 1666b Late payments are a violation of this us law and this is subject to penalties. Every company thay reports to the credit bureaus have to follow the Us consumer laws. Any type of credit transactions are excluded from being reported to the bureaus This is an {$1000.00} violation charge for this.
Consumer complaint received 2021-01-07
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: EQUIFAX, INC. (NJ)

I have inquiries I didnt authorized on my credit report and I want them remove, I dont know how it is possible that some company can check the report without people authorization.
Consumer complaint received 2023-03-10
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. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name.
Consumer complaint received 2021-01-26
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: 2288984 Ontario Inc. (VA)

I received a voicemail from " XXXX '' from XXXX, XXXX XXXX XXXX on XX/XX/XXXX from XXXX stating they needed a call back about paperwork with my name and social security number for an investigation they are conducting. The message went on to say that they needed to hear from me by the end of the day so they can notate my cooperation. I called them back and the first phone call I placed - no one came to the phone but sat in the background saying " they aren't going to put up with this XXXX. '' I hung up and called back and spoke with a representative who told me the debt they are collecting for is from Money Key and they will move forward with litigation ( not verbatim ) and stated, " you can't just take out a loan and not pay it back '' when I told him I've never had a loan from Money Key. I asked to speak to a supervisor. The supervisor " XXXX XXXX '' gets on the phone and when I asked for validation of the debt - he said it originated in XXXX and called Money Key on conference call. Money Key refused to verify any information and the supervisor didn't even attempt to identify himself as a 3rd party as he did with me. Once Money Key, I asked why the debt wasn't on my credit report and he said because they haven't moved forward with legal action yet. I asked why Money Key wouldn't have reported it delinquent. He stated I would have to take that up with Money Key. I called Money Key on my own and they confirmed by my social security number that they have never issued a loan to me and do not have any products or agencies in Virginia ( where I reside ). I called XXXX, XXXXXXXX XXXX XXXX back and requested they remove my work phone number from their records and the representative responded stating he would document my refusal to pay and hung up on me. I called back and " XXXX XXXX '' was back on the line but did not identify himself by first and last name ... it was just the same voice as the previous call. I asked if my number had been marked as no calls at work and he stated " No '' and proceeded to tell me I should be ashamed of myself for borrowing money and not paying it back. I used unsavory language and terminated the call. I immediately received a return phone call ( on the work phone that I requested NOT to be called ) from " XXXX XXXX '' or his voice at least - from a restricted number and he proceeded to tell me he would be delivering a court summons to my JOB and my house and they intend to move forward with their lawsuit. I may have responded but I can't recall. I terminated the call.
Consumer complaint received 2021-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed an Identity Report and I have attached this document below. 
Also, I do not recognize these accounts and have never incurred debt with these creditors. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as me.
Consumer complaint received 2023-02-15
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)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-07
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. (MD)

This is my follow-up complaint regarding the removal or blocking of these items : XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX Balance : {$2800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX The aforementioned items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information or items in my credit record that came about due to alleged fraud or extortion.
Consumer complaint received 2024-01-25
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (FL)

I got a welcome letter from PayPal stating I opened an account. I never opened an account and I never got the actual credit card. I only got a welcome letter. PayPal illegally approved an account that I don't recall completing a credit card application. I do not know how PayPal got my information to automatically approved unwanted credit card from them.
Consumer complaint received 2023-03-10
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. (NC)

15 usc 1681 section 602 states I have a right to privacy.

15 usc 1682 section 604 A section 2 : it also states a consumer can not furnish an account without my written instructions.

15 usc 1666B : A creditor 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 2020-11-12
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (CA)

I noticed a credit limit change on a XXXX card runy by Synchrony Bank this is the secnd complaint against this bank as they control multiple companies, I contacted the bank thru XXXX and they insisted a letter was being sent even though they didnt have my information. I asked for a call and later received one from XXXX and we talked for several min he stated he was unable to see why my limit was lowered and mantioned calling me back. he later called back and said that no letter was sent and it was lowered because of lack of use I asked about getting my limit returned and he said he could transfer me, the young lady went over a few things and i then asked her, so your going to run a credit check and see that your own company lowered my credit limit thus lowering my dredit rating, is that correct, she replied maybe, i asked then so the actions your company took then lowered my credit rating by XXXX points and i feel it shoule be fixed, she asked if i wanted to run a credit increase, I SAID NO> asked for her number and said i would call back, on XXXX i received a letter that they denied a INCREASE I NEVER ASKED FOR! this company is manipulating the credit market and should be penalized.
Consumer complaint received 2021-01-26
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: EQUIFAX, INC. (GA)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX  ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX  ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2023-02-15
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)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX Balance : {$8900.00}
Consumer complaint received 2020-11-12
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. (CT)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2024-01-25
Product: Credit 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: JPMORGAN CHASE & CO. (SC)

I received a letter from Chase Bank on XX/XX/2024 reducing my credit limit from {$2000.00} to {$800.00}. This doesn't make sense as to why this happened. I feel I have been discriminated due to race. How many other consumers with Chase is getting their credit limit reduced? I made my payments. I had fraudulently activity on my XXXX XXXX XXXX XXXX account. One of my payment was returned. So, I haven't had any late payments since. So, why would a bank reduce a credit limit for one payment. There is something wrong. I have never had a bank to do something like this to me. 

Please look into this matter. I have reached out to Chase and have gotten no place with them. 
XXXX. 
Chase Bank, XXXX XXXX XXXX, XXXX, DE XXXX
Consumer complaint received 2023-02-15
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)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXXXXXX XXXX  XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NY)

To whom it may concern, I have been a long time American Express card holder, platinum card holder with average annual card purchases of {$280000.00}. Never missing a payment. I contacted American Express on XX/XX/XXXX requesting assistance, a payment arrangement that American Express offers for Covid19 related financial difficulties do to my bank accounts being hacked and all available funds embezzled. The American Express customer service agent after presenting my details stated that American Express has no program at this time to offer me. I repeatedly asked why as this made no sense to me. The more I questioned the agent the more she responded with short responses. I requested to speak with a supervisor. The agent finally agreed to transfer my call. The American Express agent whom I then spoke with was exceptional, she stated yes there is a program, which requires a down payment equaling XX/XX/XXXX of my balance then 11 equal payments and my account would remain in good standing and no derogatory reports to the credit bureaus. At that exact time I did not have the funds to make the initial payment to enroll in this hardship program. I asked what is the last day and was told XXXX. On XX/XX/XXXX. I received a letter from American Express that my account was closed due to foul language. In the same letter I was provide a phone number to call with any questions. I called this number to the corporate office numerous times per day only receiving recorded messages. I had left voice mails which took American Express 5 days to reply. During this time on XXXX I went to enroll in the hardship program notated on my account and was then informed since my account was closed on XXXX I NO longer can enroll nor speak with any American Express customer service representative and that I only can speak with the corporate office. To date XXXX I have received 3 calls and nothing has been done, my credit now is ruined by American Express. I was a great customer spending in excess of {>= $1,000,000} in past 4 years alone. American Express needs to be held accountable for their abusive actions. How can American Express be allowed to do this to anyone? 

Then to add to American Express unethical tactics my XXXX XXXX XXXX card was also cancelled.The 4 explanations offered NONE pertained to any true event.
Consumer complaint received 2023-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account # : XXXX, Account name : XXXX  Account # : XXXX, Account name : XXXX Account # : XXXX, Account name : XXXX Account # : XXXX, Account name : XXXX Account # : XXXX, Account name : XXXX Account # : XXXX, Account name : XXXX XXXX XXXX XXXX Account # : XXXX, Account name : XXXX XXXX XXXX XXXX  Account # : XXXX, Account name : XXXX XXXX  XXXX XXXX  Account # : XXXX, Account name : XXXX Account XXXX : XXXX, Account name : XXXX Account XXXX : XXXX, Account name : XXXX XXXX Account XXXX : XXXX, Account name : XXXX XXXX Account XXXX : XXXX, Account name : XXXX XXXX  XXXX Account XXXX : XXXX, Account name : XXXX XXXX XXXX, XXXX  Account # : XXXX, Account name : XXXX  XXXX  XXXX Account # : XXXX, Account name : XXXX XXXX Account XXXX : XXXX, 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-01-26
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: OneMain Finance Corporation (CA)

I received an alert that One Main Financial placed a hard inquiry on my credit report on XX/XX/2021 for a personal loan inquiry which someone tried to fraudulently obtain in my name. I contacted their customer service department as well as their fraud department. I advised them that I am the victim of identity theft and that I did not apply for any loan with their company. They said the loan did not go through for the {$20000.00} that the individual attempted and that they would make sure to note this. The next morning, today XX/XX/2021, I got another alert from XXXX, that there is a second inquiry from One Main Financial on my credit report. I have tried calling their company twice now today and no one answers.
Consumer complaint received 2023-02-15
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)

Months ago, I have sent a letter to the three credit bureausasking 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 previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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