davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I have disputed with the credit bureaus several times regarding addresses on my credit report that do not belong to me and are on my report as a result of identity theft aswell as inquiries and fraudulent credit accounts opened in my name and have asked they be removed the credit bureaus will not remove these addresses, accounts, and inquiries. I have provided them with identity theft reports and ask that these be removed from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fraudulent 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-05-13
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: Experian Information Solutions Inc. (CA)

Had all 3 companies unfreeze accounts last week to get a bank loan, was told by bank rep that XXXX was still frozen, called XXXX twice and was told it was not frozen. Did not get loan approved. 
Just tried to get my free annual report from all 3 agencies, keep getting error messages about my identity not verified. I think someone may be trying to use my identity for a crime. Please advise asap.
Consumer complaint received 2022-05-13
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. (CA)

Had all 3 companies unfreeze accounts last week to get a bank loan, was told by bank rep that XXXX was still frozen, called XXXX twice and was told it was not frozen. Did not get loan approved. 
Just tried to get my free annual report from all 3 agencies, keep getting error messages about my identity not verified. I think someone may be trying to use my identity for a crime. Please advise asap.
Consumer complaint received 2022-05-13
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: Experian Information Solutions Inc. (CA)

I sent My Letters off XX/XX/22. I told the Credit Bureaus to " Investigate every piece of information '' on the accounts listed down below. 
Also, I have attached the tracking numbers to show I sent these letters to each Bureau voicing my concerns and disdain for these inaccuracies and discrepancies.

According to the FRCA, the Term " Investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, personal characteristics, general reputation, or mode of living is obtained through personal interviews with friends, neighbors, and associates of the consumer reported on or with others whom he/she is acquainted or who may have knowledge concerning any such items of information.

If these accounts are supposed to be verified, how is this possible if they did not do a proper and full investigation according to The Law.

Also, every piece of information on these accounts are still reported 100 % Accurate. And According to the FCRA 15 USC 1681 EVERYTHING has to be 100 % Accurate and they are not. I have attached the inaccuracies as well.

These accounts are not only inaccurate but they have violated My Federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

I am not a criminal and have never been, nor have I been convicted of any crime ( s ).

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

These are the accounts : XXXX  XXXX ( different amounts for all 3 ), XXXX or XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (TX)

I had a business account with Chase that was opened under the Chase Premier Plus Checking account with Chase XXXX XXXX in XXXX or XXXX. This account does not charge fees or require a minimum deposit. 

I closed the account earlier this year around XX/XX/XXXX. 

Prior to closing the account, I withdrew the balance. 

On or around XX/XX/XXXX, I started getting calls from people that stated they were with Chase bank and I had fees on the account, approximately {$64.00}. Each time a representative calls they state that they have looked into and the matter is resolved. Then a couple weeks or month or so later, I get another call. I feel harassed, if these people actually work for Chase it should be clear that they assessed fees after the account was closed. It should also be documented in their notes of removing the fees that should have never been assessed. 

I have received not one letter from Chase showing any fees on the account, yet the calls continue to come. 

It is also odd as I had a positive balance with the account was closed and I never saw any fees while the account was open for the short period of time. This account never had a high balance, at most the account maybe had a couple XXXX dollars if that. This account was rarely used, maybe 6transactions including the transferring the small balance. 

While Chase or their affiliates continue to harass me even though I have asked several times to stop calling me on this issues as it an error on chase part that was told to me on several occasions to be resolved. 

I just received another call this morning again same issue. I feel harassed.
Consumer complaint received 2024-02-14
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. (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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-05-06
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. (OH)

On XX/XX/2022 I sent Certified Mail to all 3 credit bureaus ( XXXX, Experian and XXXX ) notifying them that the personal information listed on my report is inaccurate. Credit bureaus are legally required to report accurate and up to date information. On all 3 reports addresses, phone numbers and alias names were linked to myself. This may possibly be from identity fraud or negligence on the part of these credit agencies.
Consumer complaint received 2022-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent My Letters off XX/XX/22. I told the Credit Bureaus to " Investigate every piece of information '' on the accounts listed down below. 
Also, I have attached the tracking numbers to show I sent these letters to each Bureau voicing my concerns and disdain for these inaccuracies and discrepancies. 

According to the FRCA, the Term " Investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, personal characteristics, general reputation, or mode of living is obtained through personal interviews with friends, neighbors, and associates of the consumer reported on or with others whom he/she is acquainted or who may have knowledge concerning any such items of information.

If these accounts are supposed to be verified, how is this possible if they did not do a proper and full investigation according to The Law.

Also, every piece of information on these accounts are still reported 100 % Accurate. And According to the FCRA 15 USC 1681 EVERYTHING has to be 100 % Accurate and they are not. I have attached the inaccuracies as well. 

These accounts are not only inaccurate but they have violated My Federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

I am not a criminal and have never been, nor have I been convicted of any crime ( s ).

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

These are the accounts : XXXX  XXXX ( different amounts for all 3 ), XXXX or XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX.
Consumer complaint received 2024-05-08
Product: Credit reporting 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. (OH)

I am submitting this notification to persist in requesting an investigation into unauthorized inquiries listed on my credit report. I request that the three Credit Bureaus undertake a comprehensive review of these inquiries as legally required. Below are the inquiries in question that necessitate a detailed investigation : 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
Consumer complaint received 2022-05-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION (GA)

In early XXXX we started the process of getting quotes for a cash out refinance on our house. We never really got started because that loan officer stopped responding. I believe I was told that she wasnt working there anymore. I called and sent multiple emails to Truist employees until I finally reached someone that was able to reassign to our application. On XX/XX/XXXX XXXX XXXX became our Loan Officer, and we started the refinance process of ( Mortgage # XXXX ) ( Loan Application Number : XXXX ). XXXX requested we fill multiple documents and provide multiple types of information. We provided everything XXXX requested. 

On XX/XX/XXXX we received the Loan Disclosures documents. On XX/XX/XXXX we signed the Loan Disclosures documents and accepted a locked in rate that expires on XX/XX/XXXX. The same day we signed we emailed XXXX to update him. We told him to please move forward with application and to let us know what the next steps were and if he needed anything else from us. XXXX didnt reply so we sent him another email on XX/XX/XXXX. XXXX never responded. I spent multiple hours on the phone and emailed pertinent email from truist that I saw online to have someone give us some answers. An employee provided me the email of XXXX supervisor, XXXX XXXX. On XX/XX/XXXX we emailed XXXX XXXX but he also never responded. 

On XX/XX/XXXX we found the email of XXXX XXXX, Vice President, Correspondent Lending. Non-Delegated Inside Sales Manager / Truist. XXXX provided us the contact of XXXX. On XX/XX/XXXXXXXX XXXX  send us and XXXX XXXX and XXXX stating he left us a VM. The VM said to call him, which we did, and left him a VM. On XX/XX/XXXX we replied XXXX email to us and said that its better to communicate via email since we were playing phone tag. XXXX replied to our email stating that he never received our tax returns so he had to withdraw application for being incomplete and we would need to start a new application with a new interest rate. But he never requested our tax returns. We provided all information he had requested. Including other tax documents and a signed document consenting them to use our tax returns. 
We emailed XXXX and XXXX stating that they should honor the signed Loan Disclosures documents and locked in rate since the oversight was not on our end. They never responded. We emailed them multiple times after that. We told them that we would inform the Consumer Financial Protection Bureau and Consumer Protection division GA. Also told them that we are willing to go to arbitration because there's too much money involved for us if we get a new rate. They never responded. 

We need help to have Truist honor the signed Loan Disclosures documents and locked in rate. 

( We have all documents and emails but they have sensitive information so please let us know directly which documents you would like )
Consumer complaint received 2022-05-13
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. (CA)

Had all 3 companies unfreeze accounts last week to get a bank loan, was told by bank rep that Equifax was still frozen, called Equifax twice and was told it was not frozen. Did not get loan approved. 
Just tried to get my free annual report from all 3 agencies, keep getting error messages about my identity not verified. I think someone may be trying to use my identity for a crime. Please advise asap.
Consumer complaint received 2020-01-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (NY)

Hi I tried for 7 years to resolve this issue with Citicard. They sent my statement to an old address. They refused to send it to the new address. I have never received a statement.

I've called and written to them 11 times.

They have sold the debts to 10 different credit collectors over the year. This has caused me to not be able to purchase a house, get credit, dropped my score from XXXX to XXXX. 

I called the new collection bureau and they refused to send me the statements. I have never received a statement from XX/XX/2012My husband died and I moved away. I gave them my new address and they never sent the statement.
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-05-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (IL)

My account was closed. I tried using my card as I had done the day before and it was declined. I tried logging into the app and was informed my acct was closed for violating terms they wont further disclose and that in either 14 days or working 30 I will receive my funds. I have money in 3 different accounts with them. Last time I was able to use my card was on XX/XX/2022 at footlocker amd the next day nothing. I have about {$91.00} in the credit builder, over {$2300.00} in my checking and almost {$12000.00} in savings. This is my primary accts. Now I have all these bills due and no money to pay. Cant talk to anyone besides thru emails and because its not their money they are in my opinion dismissive. If you cant tell me why you specifically closed my account then it shouldnt take 30 days to issue me my money the same day its closed it atleast within a few business days.
Consumer complaint received 2024-05-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (CA)

I used the promo code XXXX XXXX XXXX XXXX to receive {$300.00} when opening a new checking account. Went into a Chase branch on XX/XX/year> and completed a payroll ACH deposit of $ XXXX on XXXX XXXX, 2024 and still haven't received bonus. Called Chase on XXXX XXXX, 2024 @ XXXX PST to follow up and spoke with manager, XXXX  XXXX who opened the Case Number : XXXX and said someone will call back in 1-3 business days. Chase failed to call back and I had to call again on XXXX XXXX, 2024 at XXXX PST. Escalated to XXXX, XXXX- who looked into the previous Case Number, and said she couldn't even find it. Asked to escalate to another Senior Manager with another Case Number : XXXX. She advised a Sr Mgr will c/b in 3-5 business days. A very unclear message was left on XX/XX/year> with incorrect instructions to call the XXXX where the Chase agent had no idea why they left that. I then was told to call a different number for the check claims. Spoke with XXXX, Senior Manager on XX/XX/year> at XXXX XXXX. The case was then again transferred to another specialist, XXXX XXXX XXXX, who said she would investigate and get back to me. I sent a follow up secured message on XX/XX/XXXX. A request to provide additional documents was received on XX/XX/XXXX, and responded to with the information on XX/XX/XXXX. I missed a call from XXXX on XX/XX/XXXX, which I called back immediately and the Chase agent was able to reach her, but left her a message. On XX/XX/XXXX, I sent another follow up secured message was sent to XXXX. On XX/XX/XXXX, another secured message was sent to XXXX. On XX/XX/XXXX, yet another secured message was sent to XXXX. A final message was sent again on XX/XX/XXXX. After more than 10 attempts over 2 months to resolve the matter, Chase has failed to respond to my messages and calls.
Consumer complaint received 2022-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Pending an ongoing investigation, Bank of America closed my Bank of America MasterCard that I have had in good standing since 1989! I was given NO notice regarding the closure of this account, and was told that the account would merely be 'frozen ' pending the investigation. The card had a CREDIT of {$19000.00} on it due to accidental overpayment on my part. The matter of my stolen funds by Bank of America bank employees is ongoing which I REPORTED, and once I reported the theft and fraud, my accounts were closed! I suspect the closures originated at the branch level by employees who stole my funds, which I reported in my original complaint. Automatic reporting has been done against me to the credit bureaus that is ruining my good credit that I will now have to resolve. This is an outrage and I require immediate assistance.