davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to address a matter of significant concern regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX that is appearing on my credit report. Despite my best efforts, I have been unable to verify why this account is reflecting on my report. This situation has not only caused me undue stress but has also resulted in denials and questioning of my credibility by lenders. It is imperative that this issue be rectified immediately. I demand a thorough investigation into the legitimacy of these accounts and request solid proof that they indeed belong to me or were initiated by me. Without such evidence, I insist that these accounts be removed from my credit report without delay.
Consumer complaint received 2020-12-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (MD)

My existing Mortgage loan product with Chase Bank, has been modified without my consent. For the last few years my loan with that bank has been reflecting a no Property Tax exclusion because I am rated as XXXX XXXX  XXXX by the VA, which the State of Maryland adheres to. The 100 % VA paperwork was processed through the local County Government and the Bank, where they then removed the Property Taxes from my mortgage monthly and yearly payments. 

Today, XX/XX/2020 is when I entered my bank account online to find that for some reason, which I believe to be fraud, everything has been reset back to reflect Property taxes. I believe this is an attempt to recollect my information concerning my VA 100 % XXXX findings, and further target me and my finances. I am retired military, and I have experienced Identity Theft just a few short years ago as we were at that time still required to use SSN 's. While that has changed since then with government DOD offices issuing new numbers, the VA has not changed the use of SSN 's and of course fraud still does continue there. The government has since also issued me the Credit Monitoring programs that it issues to Identity Theft Victims. 

I believe this latest loan modification is tied to a scam to collect my 100 % XXXX paperwork info again and defraud and target me. Further, the Chase Bank on their telephonic digital warnings have now gone to the collection of Voice and state they can use it. That has fraud written all over it! The collection of my voice is not something I consent to, and I will be changing banks as it currently stands do to this latest of scams. Upon a response to this Banking Complaint, I can provide all the dates, dollar numbers, and paperwork necessary investigate this problem. 

Thank you. 

.
Consumer complaint received 2021-04-12
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: CITIBANK, N.A. (OH)

I had two ( 2 ) fraudulent charges on my Citi Credit Card at XXXX 's XXXX online in the amount of {$890.00} & {$4400.00} on XX/XX/21 & XX/XX/21. I filed the claim and I was bounced around to multiple different departments with the claims closed several times stating my I was responsible even though Citi stated I was NOT responsible. There were numerous credits and debits and partial reversals on my account that has created a reconciliation nightmare and Citi has still overcharged me {$450.00}, which they partially reversed off my account. Now an audit needs to take place to ensure that they overcharged me and will take another five ( 5 ) days to reconcile. I have stressed numerous times that this is incorrect with Citi just opening another dispute case and closing it deeming me responsible. I am unable to get a resolution same day and another case has to be opened to investigate.
Consumer complaint received 2019-04-29
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. (MO)

There's a whole other name " XXXX XXXX, XXXX " and unauthorized accounts attached to my credit data / file, and I'm demanding that this other name inwhom is not mines and these accounts are removed immediately. As a consumer I'm entitled to consumer rights and protection against the 3 major credit bureaus as stated within the FCRA. I'm also demanding that all the addresses on my credit report be removed, all except the one that's on my id see the attached. Again please block the unauthorized name and these accounts on my report. 

1 ) XXXX XXXX XXXX ... XXXXname 2 ) XXXX XXXX XXXX {$3200.00} 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX 5 )  XXXX XXXX XXXX {$4200.00}
Consumer complaint received 2018-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have on multiple occasions disputed incorrect information as it pertains to XXXX XXXX to all 3 credit agencies. I have never been late on this account and they have not done proper investigations on this and are leaving the incorrect information on my report.
Consumer complaint received 2022-07-25
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)

Isn't it tiring for the Credit Bureaus to receive letters having the same requests? Because for me, I have alraedy reached the peak of my patience and I am on my way to pursue legal action against the Credit Bureaus. I am submiting this countless complaint addressed to the Credit Bureaus to tell them 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 the fraud or extortion. 

XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX ( Original XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$760.00} XXXX  XXXX Balance {$0.00}
Consumer complaint received 2024-03-01
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: EQUIFAX, INC. (TX)

To whom it may concern, This letter is formal notice that you have failed to respond to my dispute letter of XX/XX/year>. Included in the letter was my ID for verification of my identity, please avoid requesting such information- it will not be tolerated. 

In case you were unaware, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

As you are well aware, federal law requires you to respond within 30 business days. It has now been over that period since the receipt of my letter. Failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC, XXXX, & CFPB.

I am maintaining detailed records of all my correspondence with you.

I am aware that you may have misplaced my letters or have failed to respond to my letter because of an oversight due to the high volume of the requests you receive daily. If this is the case, I'm sure you'll want to handle this matter as soon as possible. For this purpose, I have included a copy of my original request, and the dated receipt of your reception of the original letter. 

The following accounts needs to be deleted from my report as soon as possible due to your negligence : -- -- -- -- -- 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 XXXXXXXX -- -- -- -- -- -- -- -- -- Please delete these erroneous items from my credit report as soon as possible and send me a physical copy of my updated credit reports with the above items showing DELETED.
Consumer complaint received 2022-02-07
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: Bread Financial Holdings, Inc. (AZ)

I have NEVER been late with my XXXX  credit card payment and it was listed as being XXXX days late, so I disputed this and was told I was wrong, which is not true so I resubmitted my dispute and am being being told that I cant
Consumer complaint received 2019-04-29
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. (VA)

I sent in certified letters to the credit bureaus telling them that these accounts did not belong to me. I ask them to send me any documents they had to verify that these accounts were mine. with all these data breaches that these credit bureaus have is ridiculous. at least take the time to do investigation, instead of telling me that these accounts have been verified, if they have been verified, why can't you send me the documents to verify them.
Consumer complaint received 2018-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2018 I put my debit card in the ATM machine at Chase Bank at XXXX XXXX XXXX XXXX. XXXX, TX XXXX ... .I did a cash withdrawl for {$300.00} ... ..I was charged a {$3.00} free and the ATM did not dispense the cash and also debited the amount from my bank account..The door did not open and I did not get a receipt ... .It is on camera ... I tried to speak with the manager and all he told me was to dispute it eith XXXX XXXX  ... .I feel that machine should have been taken out od service ... .Now I am being inconvenienced by having to file a dispute and being told I cant even grt a refund for possibly 90 days by XXXX XXXX because it has to be investigated ...
Consumer complaint received 2018-08-14
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. (PA)

DISPUTE WITH-XXXX XXXX XXXX XXXX, XXXX. 
*AUTO* I had a XXXX  XXXX XXXX and was financed through XXXX XXXX  . 
I had my XXXX for almost over two years with no missed payments and a few late payments. I was scammed and reported the scam to the police, to all three creditors and all accounts that i thought may have been affected. 

One morning i was leaving out for work and my vehicle was gone. I missed work and pay for a week behind this issue. The first thing i did was call the police thinking it may have been stolen, next i called XXXX and indeed XXXX came and took the vehicle with no notice or explanation they simply stated that the months payment was not recieved and they can take the vehicle because it is theirs. I disputed with them that all payments are up to date and if you see my credit report i have all green OK 's up to that month. They did not call me, no missed calls, no missed voice messages, no mail through USPS NOTHING just came and got my vehicle. So now they are trying to say i owe them {$9900.00} and you can tell they have done something incorrect because now they took the payment histories off of all of my credit reports. I called them and written them and asked them several times to send me a complete statement, and a break down of all payment histories from the first transaction until the last transaction and they were rude and have not sent anything. I want this {$9900.00} taken off of my credit reports and etc and they are refusing. Please help me with this issue.
Consumer complaint received 2018-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MA)

I have on multiple occasions disputed incorrect information as it pertains to XXXX XXXX to all 3 credit agencies. I have never been late on this account and they have not done proper investigations on this and are leaving the incorrect information on my report.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Sunbit, Inc. (IL)

I have been in contact with SUNBIT since XXXX 2022 in regards to two accounts showing on my credit report. I have tried disputing this with them directly to get it removed pursuant 15 USC 1681b ( a ) ( 2 ). There is no law that states SUNBIT is able to or required to furnish a consumer report in my name without my permission. It is a violation of my federally protected consumer rights. Pursuant 15 USC 1681b ( a ) ( 2 ) of the FCRA states, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I did not give SUNBIT or its affiliates written permission to furnish a consumer report. These accounts have put a negative look on my credit report and is affecting my reputation as a federally protected consumer.

Additionally, 15 USC 1681 ( 602 ) of the FCRA states, " It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title. '' It is clear that the FCRA is protecting the consumer and not the consumer reporting agencies by stating " reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer ''. SUBITS 's procedures are not fair and equitable to me as a consumer. Also their procedures are not confidential or proper and they are not in compliance with the requirements of this title if they have not received written instruction from me pursuant 15 USC 1681b ( a ) ( 2 ) ( 604 ). In order for SUNBIT to be in full compliance with the FCRA, they need my permission pursuant 15 USC 1681b ( a ) ( 2 ) ( 604 ), to furnish a consumer report. 15 USC 1681 ( 602 ) does not give permission to furnish a report.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc. (PA)

In according with Fair Credit Report Act reporting Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights to privacy 15 U.S.C 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-04-29
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. (GA)

After all the recent media I've been seeing about several hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus. I filed a police report to notify authorities. So far no actions have been taken by any of the credit bureaus. 

Below are fraudulently unauthorized inquiries on my report : Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX  Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX XXXX Below are the Company, Account #, Dates opened, and balances for the inaccuracies reporting on my credit report : Company : XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$390.00} Company : XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$3900.00} Company : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$12000.00} Company : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$8500.00} Company : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$12000.00} Company : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$8500.00} Company : XXXX XXXX XXXX   Account # XXXX Date Open : XX/XX/XXXX Balance : {$8500.00} Company : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$12000.00} Company : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$1100.00} Company : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$6200.00} Company : XXXX Account # XXXX Date Open : UNKNOWN Balance : {$100000.00} Company : XXXX   Account # XXXX Date Open : XXXX XXXX Balance : {$12000.00} Company : XXXX  Account # XXXX Date Open : XXXX XXXX Balance : {$8500.00} Company : XXXX XXXX XXXX Account XXXX XXXX Date Open : XX/XX/XXXX Balance : {$370.00} Company : XXXX XXXX Account XXXX XXXX XXXX Open : unkown Balance : unknown
Consumer complaint received 2022-03-09
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. (NV)

I happened to check out what was going on with my credit report. I noticed an inquiry that does not belong to me. Please remove this from my credit report immediately as this is poor judgment with on my credit worthiness. 

XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry date : XXXX XXXX, XXXX XXXX  Specialty Clothing Store Inquiry date : XX/XX/XXXX XXXX XXXX Tenant Screeners ( Reseller ) Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Tenant Screeners ( Reseller ) Inquiry date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX ( Bank XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX
Consumer complaint received 2022-03-09
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. (NJ)

XX/XX/XXXX a XXXX XXXX  account was open in my name for XXXX. This XXXX jewelry account is inaccurate its not mines and I didnt open it.I lost my wallet in XXXX also my info is on the dark web according to experian. They couldnt have used my current ID because I have it if an ID was even used because I have a fraud alert on my account and didnt even receive a call to my telephone number before they ran my credit. I paid a few payments simply because I did not want it to effect my credit score. I thought this would be resolved by XXXX but it isnt. I contacted my credit bureau and still nothing they arent assisting me because XXXX is stating the information is accurate, this been going on for a year. I need some assistance. I have never been late on a payment ever this fraudulent account is coming into my livelihood. I shouldnt be responsible for a fraudulent account.
Consumer complaint received 2020-08-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GLA Collection Company, Inc. (OH)

GLA COLLECTION CO INC claims I owe them {$1100.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX. I only know about this because it showed up on my credit report. I dont know who they are and have never received anything from them. They dont have my signature.
Consumer complaint received 2018-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (CO)

Checked my credit report XX/XX/18 and noticed a collection account of {$73.00} placed by EOS CCA for an unpaid XXXX bill. I called and got my account number - XXXX. I called XXXX to verify the information because I have never been a customer or had an account with them. XXXX checked the account number, my name, DOB, SSN, address etc., and could not find anything associated with myself and they said the account number had never been active. They also told me that they do not turn over their collection accounts to EOS CCA. 

I called EOS CCA back and spoke to XXXX who claimed he was a manager. He was very hostile and told me that if I didn't pay this account today they would " sue my XXXX off ''. I asked him to verify the identity of the person associated with my account and he refused, he just assured me that it was mine. He repeatedly asked me to give him my social security number which I refused to do. I told him that if this account was actually associated with me they should have my SSN already. He also refused to give me any information like his last name, employee ID number or send me to a higher level manager. When I told him that I verified the information they had with  XXXX and that it was indeed a fake account and that XXXX does not give their accounts to EOS he hung up on me. 

I had never received a call or any correspondence from EOS CCA regarding this account, I just happened upon it when checking my credit report. I disputed this account with the credit bureaus and it was quickly removed.