davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately 1. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

2. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

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

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

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

14. Validate Account XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2020-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (MA)

Back in XXXX, I messaged Chase regarding being matched to an offer of spending {$25000.00} and receiving 30,000 bonus points on my Chase XXXX XXXX XXXX card ( as long as I hit the spending before XX/XX/XXXX ). I received written confirmation at the time that this offer was attached to my account. I again messaged Chase on XX/XX/XXXX to confirm the offer, and again received a written confirmation ( see attached below ). 

Based on this information, I went ahead and spent more than {$25000.00} on the account. Today, XX/XX/XXXX, I was told that I was not in fact eligible for this promotion and that there was nothing I could do about it. 

I would not have spent {$25000.00} on this card had I not thought that I was enrolled for this offer ( which had been twice confirmed in writing to me ).
Consumer complaint received 2023-07-13
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. (PA)

Im submitting this complaint to inform you that I am a victim of identity theft.The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from this identity theft claim. The following items listed below are unknown to me. Which is XXXX XXXX XXXX
Consumer complaint received 2020-10-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (FL)

I tried to open an account online but couldnt so I called the bank. I was told to come to the bank to open one and set an appointment. I went there and was told that I can not open one and that I need to call the number that was given by the bank employee. He didnt give me a reason why I could not. So I called from home and was told the same thing that I am not allowed to open an account with no specified reason. Also the bank representative stated that I had an account opened back in 2016 and that it was closed. I asked why was it closed. I asked if there was money owed or something happened. They couldnt say. I was very young during that year and dont recall opening that account in 2016. So hence why I asked for reason for account closure. The representative couldnt give a reason and said it was an internal information and unable to access the internal information on the closure and hung up. That was very rude!
Consumer complaint received 2020-10-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION (CO)

Suntrust ( now Truist ) is advertising " no origination fee '' refinancing. 
https : //www.suntrust.com/home-mortgages/current-rates There is indeed an origination fee ( relabeled as a " processing fee '', {$980.00} in my disclosures ). 

I was also unhappy that after I uploaded my taxes and bank statements as part of the application process, I was required to sign an agreement to allow Suntrust/Truist to share these sensitive documents with other companies for various reasons, including marketing. It is within 3 days and I wish to rescind this agreement and cancel my application. It seems there is no way to do this, as the sole contact person has no idea how this would be done. I have been unable to reach anyone at the company that can help.
Consumer complaint received 2021-05-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
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. (CA)

On or about XXXX of 2020 I noticed a fraudulent account on my credit profile from XXXX XXXX XXXXXXXX. I started a fraud dispute with all 3 credit agencies and I reached out to XXXX XXXX XXXXXXXX and they stated that they would be removing the account from my credit profile and still it's reporting on my credit profile. Please help me with this issue.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

I have been attempting to dispute fraud on my credit report for months, experian keeps denying it and not blocking the information. 

their last resonse to me was for me to call some lady, and that number continues to go to voicemail. This needs to be taken care of. 

by the FCRA i just need to send the FTC affidavit ( which only allows 5 companies ) a copy of my id, and a bill with my name and address on it. 

they are also refusing to remove an XXXX account that is being reported wrong, even after I have sent them a copy of the administrative judges order. 

these fraudulent accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( n which i currently have an open fraud investigation with the FCC/FTC ) these need to be BLOCKED. 

of course I will be filing seperate complaints about each of these companies shortly..
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 status incorrect
Company: Bridgecrest Acceptance Corporation (TN)

Bridgecrest is the creditor for two ( 2 ) of my accounts pertaining too auto loans. Bridgecrest has failed to properly update the status of both my accounts to all three ( 3 ) credit agencies.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/2024 XXXX, Florida Consumer Financial Protection Bureau po box 27170 Washington , DC 20038 Reference to : TRANSUNION VIOLATION XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX >Sold ; was Charged-off< TO WHOM THIS MAY CONCERN ; I XXXX XXXX, herby would like to file a complaint against TRANSUNION, due to Transunion refusing to remove inaccurate and misleading data which is now part of my credit bureau report . I have contacted Transunion on multiple occasions and showed them proof that this alleged debit is NOT Mine, and I am legally not responsible for it since it isnt mine. I have informed transunion of being a victim of fraud. I have filed a FTC Fraud complaint form and have provided TransUnion this on multiple occasions also.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-02-09
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: Resurgent Capital Services L.P. (CA)

I spoke with the companies in question about how they retrieve my information. I have requested the companies in question to close the accounts because they were not given permission by me and I didn't owe monies to these companies in question. The negative accounts have not been removed from my credit report.
Consumer complaint received 2020-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

I have disputed this information several times with equifax and even tried using XXXX to help get this off but they refuse to get it off of my report for some reason. It is old outdated child support that information is incorrect on. I believe even the dates are wrong in it also says it was opened on XX/XX/1969. I wasnt even born then.
Consumer complaint received 2023-05-08
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. (IL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (PA)

EQUIFAX continues to fail to report two of my XXXX  XXXX XXXX accounts ending in # XXXX and # XXXX respectively and both open many years. In XXXX of 2020, XXXX XXXX opened up case # XXXX and continues to confirm that each month, they report both of these accounts to EQUIFAX to no avail.
Consumer complaint received 2020-06-19
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. (FL)

I'd like to remove my fraud alert and freeze from my credit because I'd like to activate utilities in my house but they need to run my credit and they say it's block, Please remove my extended fraud alert. 
I have been trying to contact you by phone but it is so hart to get through. 

Thank you.
Consumer complaint received 2023-05-08
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: Experian Information Solutions Inc. (OK)

My issue is quite the disturbing kind for which I don't understand how this takes place and it gets overlooked.. 
My hard inquiry list has some very loud info to be handled very carefully since me personally think this is impossible for me to do but very disrespectful of the agencies whom too advantage of running credit checks.. this may strike you lightly but I have 3 agencies whom within a less than a year span have all three ran my credit more than 50, 70 and over 125 times and I am completely and utterly dumbfounded because I don't know why anyone who run my credit si many times and some day after day!!!! Ticked off since these are hard inquiries so they have screwed my credit up tremendously and I didnt apply for loans or cards nothing near 350 times in a less than a year and one is very close to home for consumer finance and I need someone to call and explain this to me because it's outrageous what has taken place. Thank you XXXX XXXX. XXXX, XXXX
Consumer complaint received 2020-10-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (WY)

My friend talked me into to switching to Chime from XXXX XXXX  about 2 months ago. I made the switch, withdrew money from and closed my XXXX account. Then, I deposited all of my cash ( over {$5000.00} ) into Chime and redirected my XXXX benefits to direct deposit into Chime. After several weeks of using the account without issue I made a {$700.00} cash deposit into the account and they suspended it 20 minutes later claiming suspicious activity on the account. They asked for a slew of documents and pictures of me with my ID, BC, SSC, etc. All of which I submitted within an hour. They then held my funds in limbo for over a week before telling me my account was closed and I was not eligible for a refund. They literally stole all of my money from me, everything I have! They are refusing to refund my money and continue to redirect me to their Account Agreement, Section 9 which specifically states that I am entitled to a refund. They also refuse to elaborate on how I violated their terms of use policy. This is not an isolated incident, they have thousands of complaints such as this all over the internet. 

My balance at the time my account closed should have been XXXX I also had a XXXX XXXX account that should have had nearly {$300.00} on deposit. 

I can not get exact balances as they have refused to give me any information regarding the account/ The suspension was placed on XXXX and the account was closed on XXXX with an e-mail telling me I am not going to be refunded. 

I reached out to them and they told me to send an e-mail to XXXX which only generates scripted responses that are not helpful in any way.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

Per the Fair Credit Reporting Act, I XXXX XXXX XXXX the federally protected consumer, am now opting of any and all authorization. 

Please see the attached notice ( s ) I have also attached the first notice that was sent to XXXX XXXX XXXX that has been ignored.
Consumer complaint received 2022-11-06
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. (FL)

To Equifax Equifax Information Services, XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2022 In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federal protected consumers rights privacy and confidentiality under XXXX XXXX Account name XXXX, account number XXXX Privacy and confidentially under XXXX XXXX XXXX XXXX XXXX XXXX XXXX .States I have the right to privacy XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX. ( a ) ( XXXX ) 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 more than XXXX XXXX XXXX XXXX XXXXXXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if they if the person knows or has reasonable cause to believe that the information in inaccurate Additionally, I need Equifax to disclose the complete account number and send me a letter with the full account number, That Equifax denied as per my phone call Thank you XXXX XXXX Delete this account ASAP
Consumer complaint received 2023-06-30
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)

XXXX XXXX XXXX XXXX PA XXXX is a fraudulent address listed on all 3 credit bureaus and every account associated with that address is fraudulent as well. Please assist in removing this information off of all 3 credit bureaus and my credit reports.
Consumer complaint received 2020-10-02
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)

On XX/XX/2020 I requested that TransUnion investigate and validate the following accounts reporting on my credit report : I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : 1. XXXX XXXX ( Acct # XXXX ) 2. XXXX XXXX ( Acct # XXXX ) 3. XXXX ( Acct # XXXX ) As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be immediately removed from my credit report within 30 days. On XX/XX/2020 I advised TransUnion that previously disputed accounts I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete the negative information for the following accounts : 1. XXXX XXXX XXXX Acct # XXXX ) 2. XXXX XXXX ( Acct # XXXX ) 3. XXXX/XXXX  ( Acct # XXXX ) On XX/XX/2020 I advised TransUnion that previously disputed accounts I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete the negative information for the following accounts : 1. XXXX XXXX ( Acct # XXXX ) 2. XXXX XXXX ( Acct # XXXX ) 3. XXXX/XXXX  ( Acct # XXXX ) On XX/XX/2020 I advised TransUnion that previously disputed accounts I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete the negative information for the following accounts : 1. XXXX XXXX ( Acct # XXXX ) 2. XXXX XXXX ( Acct # XXXX ) 3. XXXX ( Acct # XXXX )
Consumer complaint received 2020-10-02
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. (CA)

I applied for a XXXX XXXX  loan today XX/XX/2020 and I was not approved because I was told that there are several accounts reflecting badly on my credit history ; I was surprised to hear this since I have always made sure to keep all of my credit cards and loans current and paid on time. I looked through a copy of the credit report they pulled and I saw several accounts that do not belong to me. The accounts are from a few different companies all of which I am not affiliated with in any way. I have never opened an account with any of the companies I listed on this report nor do I have any contract with them. I don't know who is responsible for opening these accounts in my name without my permission but I did not gain anything from these accounts such as money, goods, services or anything else. I have filed a police report regarding these unauthorized accounts as well as a complaint with the Consumer Financial Protection Bureau.
Consumer complaint received 2020-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I applied for a XXXX  XXXX  loan today XX/XX/2020 and I was not approved because I was told that there are several accounts reflecting badly on my credit history ; I was surprised to hear this since I have always made sure to keep all of my credit cards and loans current and paid on time. I looked through a copy of the credit report they pulled and I saw several accounts that do not belong to me. The accounts are from a few different companies all of which I am not affiliated with in any way. I have never opened an account with any of the companies I listed on this report nor do I have any contract with them. I don't know who is responsible for opening these accounts in my name without my permission but I did not gain anything from these accounts such as money, goods, services or anything else. I have filed a police report regarding these unauthorized accounts as well as a complaint with the Consumer Financial Protection Bureau.
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.