davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-21
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: JPMORGAN CHASE & CO. (MI)

I HAVE BEEN WITH JP MORGAN CHASE SINCE XXXX AND HAVE ALWAYS PAID MY BALANCE OFF IN FULL EVERY MONTH AND HAVE A GOOD TRACK RECORD IN XXXX - XXXX. WHILE AT THE HOSPITAL, MY VEHICLE CONTAINING MY DRIVER LICENSE, SOCIAL SECURITY CARD, CREDIT AND DEBIT CARDS, BANK CHECK BOOKS AND W2 AND 1099 FORMS WAS AUCTIONED OFF FOR NON PAYMENT OF STORAGE FEES. WHOEVER RECEIVED THOSE ITEMS IN MY VEHICLE DID NOT SECURE THEM OR DESTROY THEM PROPERLY RESULTING IN CHARGES THAT WERE NOT MADE BY ME SHOWING UP ON MY CREDIT CARD STATEMENTS THAT I DO NOT RECEIVE AS IT IS MAILED TO XXXX XXXX XXXX XXXX, XXXX MI. I ALERTED XXXX XXXX, CHASE AND XXXX ABOUT UNAUTHORIZED USE OF MY CREDIT CARDS AND THEY SAID THERE IS NO NEED TO WORRY NOW THAT I REPORTED IT AS I AM LIABLE FOR AT MOST USD 50 IF THESE WERE FRAUDULENT CHARGES NOT MADE BY ME. THE REPRESENTATIVE SAID SHE WILL GO AHEAD AND ISSUE NEW CARDS BUT THESE MUST HAVE BEEN SENT TO XXXX XXXX XXXX XXXX XXXX XXXX MI AND NOT MY HOME ADDRESS. AS THESE CHARGES WERE NOT MADE BY ME, I HAVE NO LIABILITY FOR THESE CHARGES AND THE REPORTING OF THESE DELINQUENT CHARGES SHOULD BE REMOVED FROM MY CREDIT REPORT FORTHWITH.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. The credit bureaus stated that my account with XXXX XXXX came back verified but how is that possible when the status does not match all three credit bureaus. The status updated dates do not match. The last payment date and date of first delinquency also do not match. This is grounds for removal. 

My rights were also violated. 15 U.S.C 1681 Section 602 A states that I have the right to privacy. 15 U.S.C Section 604 A states that a consumer reporting agency can not furnish an account without my written instructions. I gave no such instructions.
Consumer complaint received 2020-12-14
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND CAME ACROSS SOME ACCOUNTS ON MY CREDIT FILE THAT DO NOT BELONG TO ME. I HAVE NO KNOWLEDGE OF THE ACCOUNTS AND NONE OF THEM ARE RELATED TO ANY TRANSACTIONS THE I HAVE MADE. THIS HAS CAUSED A HUGE CHALLENGE ON MY CREDIT FILE. IT IS VERY STRESSFUL BECAUSE I HAVE NO IDEA HOW THE ACCOUNTS GOT ON MY CREDIT. I AM ASKING THAT SOMETHING BE DONE TO RESOLVE THIS ISSUE. PLEASE LOOK INTO THIS MATTER AS SOON AS POSSIBLE SO THAT MY CREDIT FILE CAN GO BACK TO ITS NORMAL STATE.
Consumer complaint received 2019-03-21
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: DISCOVER BANK (MI)

I HAVE BEEN WITH XXXX XXXX SINCE XXXX AND HAVE ALWAYS PAID MY BALANCE OFF IN FULL EVERY MONTH AND HAVE A GOOD TRACK RECORD IN XXXX - XXXX. 

WHILE AT THE HOSPITAL, MY VEHICLE CONTAINING MY DRIVER LICENSE, SOCIAL SECURITY CARD, CREDIT AND DEBIT CARDS, BANK CHECK BOOKS AND XXXX AND XXXX FORMS WAS AUCTIONED OFF FOR NON PAYMENT OF STORAGE FEES. 

WHOEVER RECEIVED THOSE ITEMS IN MY VEHICLE DID NOT SECURE THEM OR DESTROY THEM PROPERLY RESULTING IN CHARGES THAT WERE NOT MADE BY ME SHOWING UP ON MY CREDIT CARD STATEMENTS THAT I DO NOT RECEIVE AS IT IS MAILED TO XXXX XXXX XXXX XXXX, XXXX MI. 

I ALERTED XXXX XXXX AND DISCOVER AND XXXX ABOUT UNAUTHORIZED USE OF MY CREDIT CARDS AND THEY SAID THERE IS NO NEED TO WORRY NOW THAT I REPORTED IT AS I AM LIABLE FOR AT MOST USD XXXX IF THESE WERE FRAUDULENT CHARGES NOT MADE BY ME. THE REPRESENTATIVE SAID SHE WILL GO AHEAD AND ISSUE NEW CARDS BUT THESE MUST HAVE BEEN SENT TO XXXX XXXX XXXX XXXX XXXX XXXX MI AND NOT MY HOME ADDRESS. 

AS THESE CHARGES WERE NOT MADE BY ME, I HAVE NO LIABILITY FOR THESE CHARGES AND THE REPORTING OF THESE DELINQUENT CHARGES SHOULD BE REMOVED FROM MY CREDIT REPORT FORTHWITH.
Consumer complaint received 2020-12-14
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. (FL)

Hello, I kindly ask you to help me to remove the account that I do not recognize. I am requesting that you delete information off from my credit report because I am not connected to this account. Its an Identity theft. I do not know how this item ended upon my credit report, but I never signed for or agreed to this charge. Please remove it from my account.
Consumer complaint received 2019-03-21
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: WELLS FARGO & COMPANY (CA)

I applied with my bank for a credit card. My bank came back to me after they say they reviewed my credit report with XXXX and says that XXXX shows " unresolved disputes '' on three of my previous accounts : XXXX XXXX, WELLS FARGO and XXXX. So I decided to review my own credit report through my XXXX  account, and all of those accounts, as well as all of my other accounts show closed/paid as agreed/never late. 

So, though my bank states that I should dispute what they say are unresolved disputes, when I look at the credit report, it does not state that at all - it shows the opposite - paid as agreed/never late. Since on my side of the XXXX web page it shows the truth, there is no way to dispute what my bank, XXXX XXXX, states they see when they pull my credit report.
Consumer complaint received 2019-03-21
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: CITIBANK, N.A. (CA)

I applied with my bank for a credit card. My bank came back to me after they say they reviewed my credit report with XXXX and says that XXXX shows " unresolved disputes '' on three of my previous accounts : XXXX XXXX, XXXX XXXX and CITI/CBNA. So I decided to review my own credit report through my XXXX account, and all of those accounts, as well as all of my other accounts show closed/paid as agreed/never late. 

So, though my bank states that I should dispute what they say are unresolved disputes, when I look at the credit report, it does not state that at all - it shows the opposite - paid as agreed/never late. Since on my side of the XXXX web page it shows the truth, there is no way to dispute what my bank, XXXX XXXX, states they see when they pull my credit report.
Consumer complaint received 2022-01-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I have previously disputed with transunion, XXXX  and XXXX on XX/XX/2021 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2019-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

This report is to highlight my view of Experian and their interaction with people whose information they collect. 

Background : My personal birthdate information was displayed incorrectly on my information on the Experian web site. They have a dispute link to report incorrect information. I used this link and reported the issue, and provided an approved government issued document to provide the correct information. 

Problem : Experian sent me an email ( XXXX ) dated XXXX XX/XX/2019, XXXX XXXX. This email stated Hi ( my name ), your dispute results are ready, your disport report number ( number withheld for this complaint ) results are ready for review. And then they have a link to click to view results. I opened the link to review results, and the results had not been corrected. 

Problem Two : After some amount of difficulty, I was able to speak to a live dispute representative, and explained the entire scenario to them, including the dispute report number, the fact that I had received an email informing me that the result of the dispute are ready for me to review, and that the dispute had not in fact been corrected. 

The representative explained to me that the results would not be updated for approximately 30 days due to the type of Experian membership I have. I asked her, why Experian sent me an email stating the dispute results are ready for my review if the report has not been updated for my review. 

Basically at that point, the dispute representative hung up the phone without further explanation. 



My general view of this interaction : Experian does not value nor respect the people whose data they collect. I believe to Experian, my information is nothing more than a data point that they use and sell to other financial institutions. I do not have the ability to take my business to another credit bureau, there are no commercial consequences to Experian for their misbehaver in their treatment of the data points they collect. 

Experian lost control of my personal data some years ago, and since then, I have experienced several attempted identity fraud events which I have reported to local law enforcement. Experians solution to this was a one year free credit monitoring service, but I can for a fee of {$19.00} per month contract with Experian to provide additional identify coverage to resolve a problem that they created. It reminds me of the protection racket run by criminals, they would damage or rob your store and then later they would approach the business owner and offer protection from future damage or robberies from occurring for a monthly fee.
Consumer complaint received 2019-03-21
Product: Mortgage — Other type of mortgage
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Chrysalis Holdings LLC (TN)

New Day USA, XXXX XXXX XXXX XXXX, XXXX, MD XXXX, Telephone : ( XXXX ) XXXX sends me a piece of mail marketing almost every other day. I have NEVER contacted them. That company is known for predatory lending - they convince veterans and other elderly that a loan will help them and convince them to finance their mortgage. The person then ends with much more debt than what they had before. 

I do not mind receiving an occasional offer from legitimate companies but this company is simply too much. I shred and throw away all their letters, I never respond, you would think they would have taken the hint by now. 

Please help consumer by giving us a place where we can report these annoying and damaging to the consumer, companies.
Consumer complaint received 2022-07-21
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)

This is my several attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts 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 an alleged identity theft. 

This account unknown to me. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-21
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. (FL)

HELLO AS IT WAS REVISING MY CREDIT SPACE AND I SAW THAT I HAVE MULTIPLE INQUIRES IN MY CREDIT REPORT AND TRY TO COMMUNICATE WITH SUCH COMPANIES BUT DO NOT KNOW HOW TO GIVE ME A SPECIFIC ANSWER PLEASE REMOVE THE CONSULTATIONS THAT I DO NOT RECOGNIZE THANK YOU.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2022-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It appears that my credit report has been compromised. Again, I was going through my files & noticed these accounts that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any information or accounts which were found to be opened due to identity theft. The disputed accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these accounts. 

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 If you feel there is a possibility these accounts belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Consumer complaint received 2018-12-06
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Bureau Collection Services, Inc. (NY)

In previous complaint,XXXX I advised that Credit Bureau Collection Services, had contacted my primary number. At that time they had taken part in 3rd party disclosure as advised in complaint listed. I at that time on XX/XX/18 I advised this company of my wish of a verbal cease and desist. Advising them to no longer contact myself by phone, I only wanted to correspond through my verified mail address. On XX/XX/XXXX  at or around XXXX I recived a call from this company from phone number listed ( XXXX ). They were attempting to collect the medical debt once again via phone. This company never supplied me with a validation of debt, nor a chain of custody agreement as I requested. They are now not only violating my rights as a consumer, and my legal verbally cease and desist order I provided them by again calling me, they are now also violating yet another law. They are foreshadowing the validation period, by attempting to collect and taking part in collection activity of the debt prior to myself being provided the validation paper work that I verbally requested on XX/XX/2018. The law states that they must refrain from collection activity for 30 days, after they hav supplied me with the validation paperwork I requested.
Consumer complaint received 2019-03-21
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. (MI)

I Have a problem with all 3 credit reporting agencies and how my FICO scores have been updated/handled, which would be XXXX, Equifax and XXXX XXXX. I have been trying to work on my my credit scores since late XX/XX/XXXX. What has happened with my credit scores recently is after paying off a debt or collection account, my credit report will be updated showing this information but it shows like a new collection account even though i paid my balance down to {$0.00}. This will cause my credit score to drop drastically. The first time this happened was around XX/XX/XXXX and my score dropped about 40-44 points across all 3 credit bureaus. 

Just recently ( XX/XX/XXXX ) my credit score dropped about 35 points for no reason. The only thing changed with my credit was i dropped my credit card utilization % between XX/XX/XXXX and XX/XX/XXXX. I have no idea why my credit score dropped and this has and will cost me and my family a lot of money. 

Over the last 3-4 months, i have lost about 80 points on my credit score for simply trying to pay my bills and do the right thing. I'm looking into an explanation as to why my credit score has dropped and if it is found that my credit score was dropped incorrectly, i would like for this to issue to be resolved by updating my credit score properly and giving me back my 80 points lost over the last 90-120 days.
Consumer complaint received 2018-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I had been a XXXX customer for nearly seven years. 

My next bill date of XX/XX/2017 was for {$130.00} plus other charge of {$79.00} for service call of XX/XX/2017. I dispute that {$210.00} bill. 

The {$79.00} was for loss of service due to incorrect - unprofessional installation through no fault of my own. Cable was improperly connected at the pole allowing rainwater into the cable that caused the failure. 

Before the end of the grace period of the next billing cycle from XX/XX/2017 to XX/XX/2017 for {$130.00}, I called XXXX on XX/XX/2017 to cancel and discontinue my account no. XXXX XXXX XXXX XXXX. 

I was instructed that XXXX would not retrieve the cable box and modem. The next day I delivered the cable box and modem to a XXXX office on XX/XX/2017, receipt : XXXX. 

My balance to XXXX is {$0.00} Since then XXXX has continued to bill me for services not rendered or no longer wanted. 

{$210.00} above : Services from XX/XX/2017 to XX/XX/2017 I also dispute the following bills. 
{$350.00} then : Services from XX/XX/2017 to XX/XX/2017 {$410.00} then : Services from XX/XX/2017 to XX/XX/2017 Since then XXXX has hired two collection agencies who declined to collect on the false claim after I sent them documentation. 
XXXX has continued to report that false claim to the Credit Bureau negatively affecting my credit score.
Consumer complaint received 2018-12-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

I have tried to settle this before. I am XXXX and on XXXX. I am being harrassed and even was told that I could be arrested for not paying a debt. I dont want to go to jail for money I dont have.My credit is bad because of this and I told the creditors that I was on XXXX but they still destroyed by credit.
Consumer complaint received 2023-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (WA)

A fraudulent XXXX transaction for XXXX USD appeared on my Chase checking account on XX/XX/2023. I filed for fraud with Chase on XX/XX/XXXX, and was given a temporary credit of XXXX to my account. The claim was then denied, and the XXXX credit was reversed on XX/XX/XXXX. I called Chase fraud center on XX/XX/XXXX to ask why, and they said it was because they had no evidence to suggest it was fraud, end of story.
Consumer complaint received 2018-04-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (NE)

I purchased a pair of boots from XXXX XXXX online. When I received the boots, the zipper was broken. I sent the boots back and XXXX XXXX reimbursed my debit card XXXX, for the cost of the boots. XXXX XXXX also sent me a letter stating that they refunded the XXXX to my debit card with Wells Fargo bank. I have spent at least seven hours on the phone with Wells Fargo 's executive department and they can not reimburse me the funds because I closed my checking account with them thirty days prior to XXXX XXXX putting XXXX on my old debit card. Wells Fargo said they closed the claim because they sent the funds to XXXX XXXX. In the letter from XXXX XXXX, it specifically states that XXXX XXXX has no account or way to accept funds. This has been going on since XX/XX/XXXX. It is now XX/XX/XXXX. I am filing a fraud complaint since Wells Fargo will not pay me XXXX.