davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-19
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. (NJ)

I purchased a XXXX XXXX XXXX  a total amount of XXXX on XX/XX/2020 I decide to return the item to XXXX. I put the item inside the box by myself and I drop it at a UPS store. after a week I have not seen my refund I contact XXXX XXXX and they claim the box was empty. they told me there is no item inside the box. I called the UPS to see what happened to the BOX. they told me that only XXXX can open a claim because the item is not in my name. I call XXXX back and told them to follow up with XXXX they told me there is nothing they can do. and we are not refunding the XXXX. I tried to solve this problem with XXXX before I contact consumerfinance for help. I attached the receipt and the emails. according to the XXXX the box weight is XXXX and XXXX XXXX the box was empty which does not make any since to me. and I am not sure, why they dont want to follow up with XXXX to solve the problem. XXXX claims they send me the package back which is not true. I did not receive anything from them.at first they said the package is empty. And now they are claiming they received a wrong item.I opened despute with Chase Bank and they did not take any action against XXXX
Consumer complaint received 2022-05-13
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2020-12-19
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. (IL)

Have tried to resolve this matter with TRANSUNION on numerous occasions to no avail, Since I am currently in a lawsuit with XXXX XXXX  for violations of the FDCPA, XXXX  Is also liable under the provisions of 15 USC 1692k which is civil liabilities, and are also liable To the same amount as XXXX XXXX  is in this judgment, I have sent a Police Report, UCC 11, Affidavit of Truth, a FTC Identity Theft Report, and letter to XXXX  with no response other than this account was validated. TRANSUNION has shown no evidence of this or the method used To validate this alleged Debt, TRANSUNION has ignored the State of Illinoiss Secretary of State Office And the City of XXXX Police Departments document as to this Identity theft report and has Still reported this account as verified accurate which is also a violation of the FDCPA laws of this State, as a Federally protected Consumer, I demand this matter be resolved and also to be compensated by TRANSUNION for this Infraction.
Consumer complaint received 2019-03-24
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. (SC)

Please remove this information from credit report. Please block any further attempt of these accounts being reported in the further or sold an being reported from another collection agency. Please remove this information within the time frame stated by law. Thanks in advance for you help and understanding. Please send me a copy of my report to the address on file. I will attached documents to support my claims. 
A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
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)

Updated information on CFPB complaint # XXXX In accordance with the Fair Credit Reporting Act Transunion, has violated my rights.15 USC 1681 Section 602 states I have the right to privacy.15 USC 1681 Section 604A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. Also 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 


Attached is the dispute letter along with my identification to verify my identity.
Consumer complaint received 2020-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (WA)

I recieved an email today ( XX/XX/20 ) from " Chase Bank '' claiming that there was missing or incorrect information on my account and that I needed to update it. Clicking on the sender 's name displays an email almost identical to my own. 

I have not clicked the 'update ' link nor done anything with the email itself except forward it to the APWG at the FTC . Please track down the scammers and stop them as people are already stressed enough by the world loosing it's mind this year. 

XXXX XXXX and Happy XXXX XXXX.
Consumer complaint received 2022-12-14
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XXXX. I never lived at this address XXXX XXXX XXXX XXXX XXXX Texas XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account XXXX : XXXX XXXX. I never lived at this address XXXX XXXX XXXX XXXX XXXX Texas XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2022-05-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (UT)

I have never had an account with XXXX XXXX. I called the company and they told me that they show no record that an account had ever been sent to collections by XXXX XXXX. Even then, I have never had an account or requested service from XXXX XXXX. I called and they could not even provide me with my social security number. When I contacted Credit Collection Services, the collection agency that is reporting the item under my name, confirm that they have no social security number on file. 
Someone that knows me, may have used my information, or it may be an account for someone that may have a similar name. I am not sure. 
I am requesting your help and have Credit Collection Services remove this inaccurate tradeline immediately. I understand that by law the account would be removed from credit regardless by XX/XX/2022, nevertheless, it is not fear that I need to wait on this inaccuracy to be deleted from my credit report.
Consumer complaint received 2020-02-09
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)

l have wrote ( 3 times ) TransUnion, XXXX, and XXXX about a bankruptcy that on 3 of my reports ( US Bankruptcy Court Docket # XXXX ). I sent them a letter on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( I have the receipts to prove it ). They said they got their information from the courts or XXXX. I wrote the courts and they said they don't deal with the credit bureaus. And my XXXX report has a freeze on it, so they couldn't have done a reinvestigation. I sent them in the letters I received from the courts and XXXX and they still said it was verified. I requested to see any court documents bearing my signuture and, I have seen nothing. This has been almost 90 days. I sent them facts ( proof ) that they were not being 100 % truthful about their reinvestigation. And they could not show me any paperwork from the court making me liable for this information they were reporting about me. It's the courts job to report a bankruptcy, not the a third party vendor like XXXX. Which is a voilation of the FCRA. Plus,  XXXX is verifing me by my last 4 Social Security # s. They can not do that either.
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. (IN)

in accordance to the Fair Credit Reporting Act and XXXX account number XXXX has violated my rights. 

15 U.S.C 1681 Section 602 S states that I have the rights to privacy 13 U.S.C 1681 Section 604 H section 2 it also states that a consumer can not premise my account without my written instructions.
Consumer complaint received 2022-05-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Control Company, Inc. (AR)

The company in question is located in XXXX XXXX arkansas and the the company is Credit Control!! I have given them many times to sent me the right to dispute letter but they have failed!! d They have tried several times to put this on my credit report and I have disputed and was removed but they continue to put this on my XXXX report!! I am tired of this and need a right to dispute letter by law!! I have lived in the same address and they know this XXXX XXXX XXXX XXXX XXXX XXXX arkansas XXXX! Please help resolve this thanks!! 

Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX arkansas XXXX XXXX XXXX
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: EQUIFAX, INC. (IN)

in accordance to the Fair Credit Reporting Act and XXXX account number XXXX has violated my rights. 

15 U.S.C 1681 Section 602 S states that I have the rights to privacy 13 U.S.C 1681 Section 604 H section 2 it also states that a consumer can not premise my account without my written instructions.
Consumer complaint received 2020-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2020-12-19
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. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2020-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2020-12-21
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: SYNCHRONY FINANCIAL (CA)

I have tried to contact PayPal twice, and Im getting no answers as to why my credit and balance owed do not add up, showing I owe more on the credit card then I should, and there are two charges that were charged twice for the same charge. Representatives appear to not know how to resolve the problem or able to see what the problem is. Im unable to resolve this with the company, I want to get out of using PayPal. I am trying to pay off the card so I can close it but they still show amounts oh that dont make sense.
Consumer complaint received 2020-12-19
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. (NV)

I submitted a dispute to XXXX, TransUnion and XXXX on XX/XX/2020 via the United States Postal Service certified mail. Unfortunately, as of today, I have not received any responses about the items I disputed. I'm pretty sure that I was supposed to receive a response in 30 days but the only update I have received is a copy of a credit report.
Consumer complaint received 2019-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NJ)

Equifax deleted all my positive credit and when I contacted them they said it was nothing they could do about also they put a credit alert on my report. I have called numerous times and they act as if they don't know what I am talking about. Also it is reporting a high utilization when I don't even have any credit????? I am so sick of the credit bureaus
Consumer complaint received 2020-12-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Collection agency states that I owe a bill to a lawn care service of {$270.00} in which there is no documentation to prove that it is my debt. I have no knowledge of this bill. They reported it to the credit reporting agency of Transunion without the correct address or any other identifying information. Furthermore, I did not hire a lawn care service because I do not have a stable place of residence. The debt collection agency has not provided me an original copy of my signature agreeing to any service as well. I have not received written notification for me to contest this allegation. XXXX XXXX XXXX is the debt collection agency. This is a fraudulent account.
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: EQUIFAX, INC. (PA)

n accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.
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. (PA)

n accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX has violated my rights.

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

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.
Consumer complaint received 2020-12-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BMO Bank, N.A. (TX)

XXXX stolen via fraudulent withdrawal out of state at a BMO Harris branch. BMO demanding I file police report. May not be able to. My local police ( XXXX police ) at first helpful then refusing to take report. May be out XXXX usd due to a technicality
Consumer complaint received 2020-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2020-12-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (CA)

went on XXXX to open a XXXX XXXX account with an advertisement that showed a bonus reward for depositing so much money into the account. I set that appointment up to do so. Once there it took 2 hours of my time to set the account up. with all the personal questions of what my company does. how much will my company make in a year. what is the gross, what is the profit? where will the money be coming from. how do you intend to use the account? do you intend to receive or send wire transfers? just so many questions. copying all my personal info ie, drivers lic, social security number LLC Tin. and signing papers. to be told at the end the back office needs to look over the account and see if they can open it. 
I think this is all a scam. false advertising. and to waste my time and risk me having to go into the bank with covid in high numbers was not how I wanted to spend my day. 
I would like the CFPB to investigate citibank for false advertising.
Consumer complaint received 2020-12-21
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. (FL)

I'm writing because of two accounts : name : XXXX/XXXX account number:XXXX date opened : XX/XX/XXXX Original creditor put that i was late in XX/XX/XXXX, but i always pay my bills on time, i was calling to original creditor, they accepted my dispute, but i see that late payment still showing there, i'm very stressed about this situation, because as you can see, i pay on time during 7 years. 


Second account is : XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX During Covid-19 banks didn't work in proper way. I got problem with XXXX because they did mistakes with my payment. Affected by Natural or Declared Disaster ( e.g. COVID-19 ). 
I called to XXXX, they were agree with my dispute, but agent asked me to sent letters to all bureaus, i sent letters, but i see, that late payment, which were made in XX/XX/XXXX, still on my credit report
Consumer complaint received 2018-02-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX  XXXX XXXX card opened on XX/XX/2015 is with a credit of XXXX keeps showing up on my transunion in my age of credit. Transunion said they would remove it as it so it does not show up in my age of credit. This card is currently still showing up in my age of credit. 

I was told that this would be removed from my age of credit as soon as possible.
Consumer complaint received 2018-02-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (NY)

I AM WRITING TO DISPUTE AN ACCOUNTS FRADULENTLY OPENED IN MY NAME.I AM A VICTIM OF IDENTITY THEFT AND DID NOT OPEN THIS ACCOUNT. I AM NOT RESPONSIBLE FOR ANY CHARGES MADE TO THIS ACCOUNT. I HAVE REQUESTED PROOF OF IDENTITY AT TIME OF OPENING SUCH ACCOUNT AND CREDITOR ONLY PROVIDED STATEMENTS AS THIS DOES NOT PROVE UNDENIABLE OWNERSHIP I DEMAND YOU PROVIDE PHOTO ID, SOCIAL SECURITY CARD WHICH CLEARLY PROVES I INDEED OPENED THE ACCOUNT. WHEN I CONTACTED THE COMPANY ALL THEY DID WAS SEND ME STATEMENTS PAYMENTS WERE NEVER MADE ON THIS ACCOUNT AS IT WAS FRADULENTLY OPENED AND USED PLEASE I REQUEST ALL LAWS BE FOLLOWED ACCORDING SO THAT THE CORRECT RESULTS AND OUTCOME COME FORWARD AS THIS ACCOUNT WAS NEVER MINE OR OPENED BY ME.