davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-15
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: Experian Information Solutions Inc. (GA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-02-15
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: Experian Information Solutions Inc. (NC)

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports and please know that the following inquiries were unauthorized. I have not reached out to any of these companies nor inquired about anything. There must be something wrong with Experian 's investigation which they should eventually correct. Please see the inquiries that are unfamiliar to me. 

XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX202 XXXX XXXX  Date of inquiry XX/XX/2020 XXXX XXXX XXXX XXXX XXXX Date of inquiry XXXX/XXXX/2020
Consumer complaint received 2021-10-12
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. (AR)

ALL INQUIRIES DATED FROM XX/XX/XXXX THROUGH XX/XX/XXXX EXCLUDING XXXX XXXX XX/XX/XXXX. EXCLUDING XXXX XXXX WAS NOT AUTHORIZED BY ME NOR MY CONSENT
Consumer complaint received 2019-08-30
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: American Credit Acceptance, LLC (FL)

A debt collection for a repo of {$8000.00} from American Credit Acceptance was deleted and removed from my credit report in XX/XX/2019. This collection agency then sold the collection account to XXXX XXXX XXXX which was re inserted into my credit report stating that the account was opened on XX/XX/2019 and was reported on XX/XX/2019 to all 3 credit bureaus. I am working with a credit repair company XXXX XXXX   who is disputing this and requesting for it to be deleted from XXXX, XXXX and XXXX.
Consumer complaint received 2022-06-15
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: EQUIFAX, INC. (GA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-02-15
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: Experian Information Solutions Inc. (GA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2018-12-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX, my wife ( XXXX XXXX ) and I ( XXXX XXXX ) sent a wire transfer to our daughter XXXX XXXX, who is a student at the XXXX  XXXX XXXX in XXXX, XXXX - XXXX. The amount was for {$5000.00} and it is something we have done for her six or seven times since she started going to school there in 2016. It is 12 days later and the money has not been received. It usually take 2-3 business days. 

Our bank is JP Morgan Chase, our account is XXXX. The branch where we executed the transaction is XXXX XXXX XXXX XXXX, XXXX, NY XXXX. My daughters bank is XXXX XXXX  XXXX, The reference number for the transaction of XXXX. 

Our attempts to resolve this issue have been frustrating. In fact, Chase 's only answer to us was that the transaction was under compliance review because they wanted to make sure we were not laundering money to XXXX or XXXX. Funny, I have been a Chase customer for well over 20 years, my daughter a XXXX customer for 2 1/2 years. They know more about our financial dealings than anyone - why would it take more than ten minutes to figure out we have to do with any of that. We also only found that out after calling them for the 4th or 5th time ... which leads me to believe it may not even be true. Also given this is the 6th or 7th transaction for the same purpose they could have easily looked at my daughter 's records to see where the money goes - which is rent, her phone and the grocery store. 

For them to hold our money to make money on the float while currency markets fluctuate is awful. I believe our rights are being trampled upon and I would like the matter resolved quickly and not repeated ever again.
Consumer complaint received 2018-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (SD)

This is in regards to the Equifax breach in 2017, I am trying to freeze my XXXX year old 's credit. I can not get a copy of his free credit report online because he is under the age of XXXX. I can not file to freeze his credit with the three credit reporting agencies online. I have to obtain on these special documents ( my driver 's license, his birth certificate, my SSN card, copy of my birth certificate, ect ) and mail them into the credit reporting agencies. I do not feel comfortable making copies of all these private documents putting them in an envelope labeled to each specific credit reporting agency. What if someone opens this piece of mail with all my personal information? This is not my fault this has happened. This shouldn't be this hard to put a freeze on my child 's credit.
Consumer complaint received 2018-12-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MI)

I've been making payments on my student loans for more than 5 years. Even though I've never missed a payment and I've only ever worked in public service, my loan servicer is crediting me with less than 2.5 years of qualifying payments towards public service loan forgiveness. The servicer, Pennsylvania Higher Education Assistance Agency, should give me credit for every monthly payment I've made since I've always been employed in qualifying employment while paying off my loans.
Consumer complaint received 2024-03-04
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: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-07-25
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 — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (LA)

I understand by law a company can no longer report after a charge off is paid and this account was paid in XX/XX/XXXX. I financed a XXXX through JPMCB chase finance on XX/XX/XXXX. I live in Louisiana and lost everything i owned including the vehicle in The Great 100 year flood in XX/XX/XXXX. I had full coverage on the XXXX and gap insurance. The truck was deemed to be a total loss and XXXX XXXX was processing the claim as fast as they could being that so many people were impacted. I was in touch with JPMCB Chase Bank and explained the situation and updated them as i was updated. My family including my XXXX  month old daughter were living in hotels and friends due to losing everything. I received a letter from JPMCB Chase stating they were going to put my account in collections in XXXX or XX/XX/XXXX. I called JPMCB Chase  and was informed that XXXX XXXX paid them but there was an outstanding amount of about {$300.00} and it was explained to me what for. I continued to communicate with XXXX and the Gap furnisher and they had no idea what JPMCB Chase was referring to. I contacted Chase and was never given a clear answer and by this time the charge off was on my record and i eventually paid it in XX/XX/XXXX without a clear answer because i was at their mercy due to having to start my entire life over due to The Great 100 year flood. Fast forward to XXXX and when i apply for credit and i get turned down because of a serious delinquency on my credit report. I pull my report and JPMCB- Auto Finance is still reporting to XXXX XXXX XXXX when the account was paid in full under duress in XX/XX/XXXX. I understand by law a company can no longer report after a charge off is paid and this account was paid in XX/XX/XXXX XXXX
Consumer complaint received 2020-07-25
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Due to the nationwide impacts of the coronavirus ( COVID-19 ). I was greatly affected as a XXXX XXXX XXXX. I received one XXXX stimulus check and have not been allowed in occupied units since XXXX. Tranunion credit reporting was suppose to reverse the dispute with the Corona ( natural disaster ) relief. XXXX also refused to apply XXXX will continue to work out deferred payment agreements with residential and commercial customers who are falling behind on their bills. Please call XXXX XXXX XXXX XXXX to request one. 
XXXX will not be disconnecting services to customers. This applies to both residential and commercial customers. 
XXXX will not be assessing late fees to customer accounts. 
XXXX will not require deposits from customer accounts seeking to reconnect services previously disconnected for nonpayment. 
XXXX will waive credit card, debit card and retail payment processing fees.
Consumer complaint received 2020-11-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

Portfolio Recovery {$590.00}, XX/XX/2017. The collection has been reported and appears on my credit report as a past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2018-12-11
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. (SC)

I have disputed an account showing on my credit report with XXXX for the past 4 months to no avail. The name of this account is XXXX XXXX XXXX. I've contacted this lender and they confirmed I have no account with them. They also reviewed the documents used to open the loan, and verified those documents did not match my SSN. 
XXXX  is not performing their due diligence by proving to me that this is my account. Furthermore, they keep reporting an account on my credit file that doesn't belong to me and is damaging my credit reputation. 
They keep sending me some frivolous information marked " Verified. '' To XXXX  : I would like to know EXACTLY how you are marking this false account VERIFIED? 
Why are you allowing these to remain on my credit report when they are clearly in violation of federal law? Im aware that section 609 requires you to furnish the paperwork that was filled out when my accounts were open and if you do not have this documentation, its considered false reporting. Due to the fact that this inaccurate and false info continues to report, youre in violation of sections 609, 1681 and 623. 

I need some type of response - better than VERIFIED ; because clearly I am not being treated fairly under law and I WILL pursue legal actions if this is not resolved immediately.
Consumer complaint received 2022-06-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (AZ)

In XXXX of XXXX, I asked Paypal Extras Master card if they could lower my payment or dissolve the debt because I can't afford it. I had gotten my Paypal extras master card in XXXX when my credit was bad so I had a high-interest rate, the bill was always higher due to 23 % interest. I had the master card and managed to use and pay it down different times if you look at the history. 

Since then I closed the account and have tried to pay it but I don't make the same amount of money anymore and I explained that to them the last time I sent them a complaint. Last month I paid it on XX/XX/XXXX which it was due on XX/XX/XXXX and they marked my credit report, and my score has gone down. I can not afford this high payment and I don't want my score to go down either, I already have asked to be able to work something out, by calling the number on the letter attached that was sent to me. The agent said I was already on the lowest payment possible and there was no other plan she could do. Gas is high and I am a single mother with a lot to pay for. I do my best to keep up with this card and I want to get rid of this debt so I have been paying it. 

Is there any covid debt resolving programs XXXX XXXX is offering or some sort of settlement that can be reached? This is my second time trying to protect my credit and telling them I can not afford this debt with everything going on. I would like a lower payment or at least a XXXX grace period to give me time to make the payment and not ruin my credit over this. My account has been enrolled in the zero-interest payment since XX/XX/XXXX so I am not sure why the attached letter says it was going to enroll me because I have been enrolled with the {$170.00} payment. What I am saying is right now this payment has become out of reach for me.
Consumer complaint received 2021-05-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2023-06-02
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (OH)

I received a notification from experience a new card was opened from Best Buy. I never applied or opened any account with Best buy. This card was fraudulently opened in my name. Because I didnt open the card, I never made any transactions using the card. When I contacted Best Buy they wouldnt provide me any information as to when the card was opened or where or where it was sent. They said there would be an investigation However I have not heard anything from them. 

After filing a dispute on XXXX I learned Best Buy stated the account is accurate and the dispute was closed. 

Again I never opened this account this is fraud and identity theft please help.
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

Rushmore Loan MGMT Ser and XXXX XXXX XXXX. My credit report is showing Rushmore Loan MGMT Ser and XXXX XXXX XXXX  XXXX both open XX/XX/. That information is incorrect.
Consumer complaint received 2020-07-25
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. (OK)

My mortgage was transferred from XXXXXXXX XXXX to XXXX XXXX. I received notice of the change in XX/XX/XXXX. I have made all of my payments on time to both companies. 

My credit score decreased anywhere from 17 to 20 points because XXXXXXXX XXXX   shows my account as being closed and not transferred. XXXX XXXX does not show up on my credit report at all. 

The information is inaccurate and needs to be updated. 

Date of Loan XX/XX/XXXX Date Loan was sold to new lender : XX/XX/XXXX Prior Loan Number ( XXXX XXXX  ) XXXX XXXX XXXX Loan Number XXXX My contact information is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the fair credit reporting act. The list of accounts has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Accounts # XXXX XXXX XXXX Account # XXXX Account name XXXX XXXX XXXX. 
Account number XXXXXXXXXXXXXXXXXXXXXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account XXXX XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX All these accounts Has violates 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 consumer reporting agency can not furnish a account with out my written instruction 15 U.S.C 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the Following of information any other adverse item of information, other then records of conviction of crimes which antedates the report by more then 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 a reasonable cause to believe the information is inaccurate
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records 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 in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MD, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX Balance : {$770.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX, XXXX, MD, XXXX XXXX XXXX XXXX XXXX XXXX, VA, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, VA, XXXX XXXX XXXX XXXX XXXX XXXX, VA, XXXX XXXX XXXX XXXX XXXX, XXXX, VA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA, XXXX XXXX XXXX  ( XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX. XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX  XXXX XX/XX/2023 XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX  XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX
Consumer complaint received 2022-06-15
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: CAPITAL ONE FINANCIAL CORPORATION (RI)

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Consumer complaint received 2022-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

A Bank of America credit card was opened in my name on XX/XX/2022. I contacted Bank of America on XX/XX/2022 and reported this as Fraud. They shut the card off and closed the account. In order to have the credit card removed from my credit report I also needed to file this complaint.
Consumer complaint received 2018-12-11
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (PA)

XXXX  XXXX  sponsors XXXX  XXXX XXXX credit card. The credit card offer at the store is deceptive and offers a discount that customers can not attain. On XX/XX/18 I attempted to take advantage of the published offer and was told that I could not get 15 % PLUS the 20 % on my " entire first purchase. '' The store manager stated that it was either/or but that is not what their advertisement states. Please review the " in store '' marketing material and it clearly states that customers can get 15 % off when they use the credit card " Plus get '' 3 different deferral payment plans " or '' 20 % off the entire first purchase.