davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have a public record & child support entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX   refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy/ child support is mine.
Consumer complaint received 2022-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The following XXXX XXXX account was charged off as of XX/XX/2019. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding, charged off accounts should NOT include an active payment history. Need I remind you, this also falsely manipulates the statute of limitations.
Consumer complaint received 2018-04-30
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. (CA)

XXXX has incorrectly added a derogatory item to my credit file for a large overdue bill in someone else 's name. They have this person listed as my " alias '' on my credit file. We do share the same first name but that is all. 

I do NOT have a XXXX account The past due amount reported on the credit file is {$3700.00}. 

This item was first added in XX/XX/XXXX and reported in XX/XX/XXXX. 

Approximately 1.5 - 2 years ago, XXXX started mailing billing statements to me, addressed to this person, at my address. I marked the envelop with " return to sender ''. When that didn't work I called and spoke to a customer service representative. I thought that resolved the problem but it did not.
Consumer complaint received 2021-07-12
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: Bread Financial Holdings, Inc. (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2022-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

On XXXX, XXXX 2021, I was defrauded of {$450.00} on my Chase XXXX card by XXXX XXXX XXXX ), an online travel agency. 

I used the XXXX card for air travel reservation through XXXX for my wife and I to fly from XXXX, XXXX XXXX, to XXXX, XXXX. After entering the required purchase details, its web site simply said : Received your payment and closed. The merchant charged {$450.00} against my card, but didnt produce any booking -- no reservation number, no electric tickets, no seat numbers. Nothing came through my e-mail. I waited for two days to see if the merchant would respond. Meanwhile, I also struggled to reach XXXX through its local XXXX XXXX and international contact details. 

When that failed, on XX/XX/2021, I contacted Chase Card Member Services to dispute the charges of {$450.00}. Initially, Chase card had obliged and removed the charges from my account, but reinstated the charges later after the merchants protest. 

Finally, I am an experienced international traveller and have been a bona fide XXXX Card holder for over a decade. This is my first complaint and, as to a customer, I always thought my word in this dispute would weigh more than XXXX. Regrettably, however, Chase Card has chosen to take at face value the word of the merchant who defrauded me. Further, while the amount of {$450.00} may appear small and insignificant, it must be recovered because it is criticall important to deter other would be international financial piracies of this nature.
Consumer complaint received 2018-11-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (TN)

I bought this XXXX  XXXX loaded it with {$100.00} to use for my friend that's in jail. So I logged in to the account there with this card and I made two payments {$5.00} at a time well I got a thing email telling me that I need to add more money so after looking at the history on the card there's a bunch of charges on it. well un authorized. I called probably hadn't been 10 days since they happen and I sent them what they wanted three days later I get a XXXX. XXXX Credit in my account but the {$82.00} wasn't and so they tell me they made their decision I can't dispute it I can't do anything about it what they say is final I tell him I want what proof I hear different stories no one will give me proof they keep sending me in circles and now a little bit of money I had on their {$2.00} they won't give it to me that got my card. Who I am I've proved who I am when I got the card I'm not going to do it now and I'm not giving me my money I don't trust them will you please help me I'm on XXXX and I can't afford to lose my money and they won't let me talk to you tonight I can't do anything my hands are tied to tell me they don't have to give me my money back it's their decision but they gave me the dollar XXXX that was something that was done online but the store charges the girl said there was a pen used soap in been used there's a lot you know how somebody got it since I just got that card and nobody knew what my pain would be I didn't use the same one I used with anything else and one store I went to and there wasn't they told me they gave me the receipt to it it was raining as credit I want my money please help me or tell me where I need to go these people should be investigated this company
Consumer complaint received 2018-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have notified all three credit reporting agencies of three accounts listed on my credit report that are not mine. I also let them know I am a victim of identity theft and that the creditors are unable to validate the accounts as belonging to me when I called each company. I also notified them that I filed a report with identitytheft.gov and that I would be filing a complaint with you. I have notified them of this twice and they have failed to comply with section 605B of the FCRA. I have attached the letters and attachments I have sent to each twice. The most recent being XX/XX/18.
Consumer complaint received 2021-07-12
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: JPMORGAN CHASE & CO. (VA)

A hard Inquiry was placed on my Credit Reports by these companies without my knowledge. 

XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX  XXXX on XX/XX/XXXX XXXX XXXX. Llc on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX Jpmcb- Card service on XX/XX/XXXX
Consumer complaint received 2021-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (CA)

My Apple Card was fraudulent charged for XXXX order back on XX/XX/2021. I do not know what this charge is about and where it even came from. I even contacted XXXX and they admitted it was fraud and so I contacted my bank and they keep denying its not fraud but I never made this charge. Why am I being held reliable for something I didnt do?
Consumer complaint received 2023-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

This complaint is regarding a dispute ongoing with XXXX. Ive purchased the item last XXXX and received it on mid XXXX and I returned it back immediately. The total transaction amount is XXXX Since they Ive been waiting to receive the refund and then filed dispute related to the refund. 

Chase credit card has been stalling the process by asking me to wait after Ive submitted the requested evidence - photos showing Ive returned the item, self statement about the dispute, and Ive followed their order and did all in time. Since then for approximately 1.5-2months, all I was told to do is patiently waiting as its under review. 

But waiting with no response, Ive reached out to merchant XXXX regarding the transaction, and they agreed to refund me by showing me proof of refund and exact amount. 

Then I called chase and submitted new evidence of the refund but still they stating they dont see the money. Only after I requested to speak to senior supervisor at dispute center, they told me they already closed out the dispute given the timeframe extended beyond two billing cycle and they cant do anything for me. It fell to be my responsibility to get the money back myself. Then my question is, merchant stated they refunded and chase saying they didnt see and refused to help me only because they asked me to wait and now its beyond the timeframe. 

How does this make any sense? Merchant said they did refund, and shows me proof of refund, chase saying they do not the refunds and refused to do anything not even reopen and check. 

This is completely fraud and stealing customer money. Ive been responsive and did everything I was asked. In addition, I did their job by going in contact with merchant. And got proof of their refund. 

On top of transaction amount XXXX that merchant refunded me now taken by chase, theres also accrued interest for XXXX, chase just steal that principal money and earn free interest on it for 4months.
Consumer complaint received 2018-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX i look up my credit report and my bankruptcy was still showing, i file in the mid of XX/XX/XXXX and i have ask the credit bureau to remove it that state that they will investigation they came back verified, i ask them how they verified because the bankruptcy court said that they dont verified to third party are credit Bureau it against the law, so im asking that you please investigate because i have been waiting out my years with bad credit long enough for them now to drag they feet and dont investigation a legitimate way please help Im XXXX with XXXX   and hoping i can move in my own place in my own name for once
Consumer complaint received 2018-11-23
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. (TX)

Transunion had deleted all items I had disputed. Then A month later they put all items back on my credit report XXXX and XXXX  I asked the company to delete the items and they did not they reinvesticated and added other items on my reports.
Consumer complaint received 2022-07-26
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL (OH)

I made a promotional purchase using a Synchrony BankXXXX XXXX XXXX XXXX XXXX and paid it off in full on the last day of the promotional period XX/XX/2022. All interim payments were made on time. I have written confirmation that the balance was XXXX. The account was closed on XX/XX/2022 so no further purchases could be made. However, a {$370.00} mystery charge showed up on the account in XXXX. I called and Synchrony said it was for credit protection and agreed to refund the charges. After the refund, there was still a balance and tI received more late notices. I called again and talked to a supervisor that said it was because the credit refund for the promotional purchase was done incorrectly. They agreed to dispute it internally, after which I received a credit for {$24.00} which still left a balance that I don't know what it actually consists of. After multiple phone calls and chats on their website ( over 4 hours of phone time altogether ), they are reporting me as late to the credit bureau, damaging my credit score. In the XXXX, while they say I am correct and it should be a XXXX balance, they have only given me multiple small refunds that still leave a {$110.00} balance and can not tell me if or when it could be resolved. In order to save my credit score I may be forced to pay a balance I don't owe.
Consumer complaint received 2023-03-25
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. (KY)

I have filed a report with FTC reference # XXXX for unauthorized inquires on my credit report. Im unable to upload my FTC report, but I have uploaded the reference number screen showing report was made. 
Below are unauthorized inquires. I XXXX 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
Consumer complaint received 2019-09-05
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MI)

I have been making payment on a student loan that I have with Navient starting XX/XX/2012 - active /still paying {$270.00}, which was set up by their loan advocacy representative, after talking to several representatives none of them never told me that the payment was going toward interest on the loan which the loan is {$39000.00} and that it a temporary low payment, now I have reach my limit on how many times they would lower the payment, which is going to make the payment now {$440.00}. I am XXXX years old retired I have tried working several jobs part time 20 hours a week, but due to standing and sitting issue I have with body, make its very difficult and painful for me, because I have a XXXX injury and XXXX in both feet, knee and hand, the only income I have is social security retirement in the amount of XXXX a month, they send me a form to completed by doctor saying I am XXXX, my doctor refuse to complete the form because they didnt take me off work and I am not receiving XXXX benefits. I did talking to a advocacy and tried to get them to lower the payment or let it stay at {$270.00} and I also explain that I was trying to get out of paying back the loan, but they refuse lower or keep the payment at {$270.00}.
Consumer complaint received 2021-04-14
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. (PA)

I recently checked my credit report and noticed fraudulent inquires on my credit report.I reached out to the creditor to request the inquire to be removed and they have not removed it.These are fraudulent inquires and need to be removed immediately
Consumer complaint received 2019-09-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have try to get my free credit report from XXXX and Transunion but I haven't been able to, I have sent my identification and proof of residency but I have had no answer fronm them, A copy of my ID is attach to this complaint so they can issue copy of my credit report.
Consumer complaint received 2022-07-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (GA)

In XXXX of XXXX I went into forebearance with Freedom Mortgage. During the time I was in forbearance I was given information from Freedom Mortgage to apply for the XXXX  XXXX  assistance program. I applied for the program as soon as I received the information. I'm not sure of the exact date that I applied. My forbearance was due to end in XXXX and I still hadn't received an approval or denial from the XXXX  XXXX  assistance program. I explained this to Freedom Mortgage that I was waiting still waiting to hear from XXXX  XXXX  assistance. I was told about other options that I could do, but it wasn't explained that it would be one or the other. I was told that I had to accept the partial claim by a certain date. I wasn't aware that if I received the partial claim that I couldn't receive the XXXX  XXXX  assistance. I signed the papers on XX/XX/XXXX for the partial claim under the impression that if approved for the XXXX  XXXX  assistance it would pay the balance for me. I was approved for the XXXX  XXXX  assistance less than a month later after signing the papers. XXXX  XXXX  assistance sent a payment of XXXX, XXXX to Freedom Mortgage. This amount would have covered the XXXX, XXXX that I owed plus pay for an additional three months of my mortgage. I was then told by Freedom Mortgage that the money would have to be sent back because I had received the partial claim. I made my first payment in XX/XX/XXXX and my second payment in XX/XX/XXXX. I explained to Freedom Mortgage that if they had explained to me that I wouldn't be able to receive the XXXX  XXXX  assistance money if I accepted the partial claim I wouldn't have signed anything until I had received my approval or denial. I was told by more than one employee of Freedom Mortgage that there has been customers in my same situation and the modification was reversed. I spoke with several people at Freedom Mortgage and everyone of them told me something different. I was to that my situation would be sent to the escalation department to be reviewed. I was also instructed to send a message in the message center requesting that the money be held until the situation was handled. I did send a message requesting that the money be held. Instead the money was sent back anyway. Now I have a lien on my property that still puts me in a financial hardship. I contracted XXXX in XX/XX/XXXX and I haven't been able to return to work since due to health issues caused by XXXX. I have not missed a payment on my mortgage since I've been in my home. Now I'm in a situation beyond my control and I'm being penalized for it. Freedom Mortgage mislead me in this entire process.
Consumer complaint received 2018-11-23
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

There are several charged off, derogatory accounts that are being reported to the Credit Bureaus under my credentials that do not belong to me and are causing me incredible financial hardship. After several unsuccessful attempts at Validation of said accounts. I have requested that these items be removed from my credit file immediately. These items are still currently being reported to my credit file and therefore are in violation of the FDCPA, section 809 ( b ). 

On XX/XX/XXXX, I sent out a request of Validation letter. The collection agency failed to comply within the allowed 45 day time frame. ( Please see attached ) On XX/XX/2018, I sent out a second letter to the company. ( Please see attached ) Non compliance.