davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (NY)

i recieved a credit card in the mail from jet blue which i never applied for so i disregarded it until a few months later when i was going over my XXXX  credit report and noticed luckily my score was down 94 points from very good to good due to lack of payment. since i never make a late payment and my payment history is perfect i looked further to see that it was barclays bank who own the jet blue credit card. i have spoken to jet blue over 15 times ( first time XX/XX/XXXX XXXX ) and explained that this is fraud and was assured by the rep that it would be reported as fraud and the credit agencies would be notified as such. jet blue however did not report it as fraud, they reported that they believe the information was accurate about my payment being late and although they assured 10 different reps that the account has been closed. not one thing that jet blue or barclays bank has told me has been the truth. they have lied or misrepresented every communication or information given to me. even with my exceptional credit history XXXX has done nothing to protect my credit rating. aftyer multiple frustrating attempts to get XXXX to help my case i was last told by them that fraud or identity theft is not their problem i should call the police or fbi. i am a 30 year employee of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX so i couldnt believe my ears. i was given XXXX by my employer because someone attempted to open a unemployment case under my name fraudulently over a year ago. XXXX  was given to all of us at no fee to monitor and keep our identity and credit safe and the opposite has been done. as of today the barclays account remains open with negative late payment reporting continuing on my XXXX  credit report and my score continues to go down. i reached out to barclays one more time but they refuse to look further into the fraud. this credit was never activated and of course never used and rhere are no charges on it. i believe it is ther activation fee they has has not been paid and refuse to close the account unless it is paid. it is criminal but there is no recourse against this co. respectfully submitted. XXXX XXXX
Consumer complaint received 2022-08-16
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. (NY)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX
Consumer complaint received 2024-02-06
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. (TX)

Please see the attached XXXX data breach claim and FTC report and remove the following unauthorized accounts and inquiries. ACCOUNT XXXX XXXX XXXX XXXX XXXX. INQUIRIES : XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/202XXXX XXXX
Consumer complaint received 2020-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (TX)

I have a Visa credit card issued by Synchrony Bank in conjunction with Chevron Oil. Participating Chevron stations offer a discount on the pump price of gasoline when using the card. The discount was not applied three times that I have used the card. The first two times the bank was apologetic and told me the problem would be fixed by the dealer reprogramming his gas pumps. Also Chevron sent me a gift card for my troubles. 
This last time, for whatever reason, the bank has not responded to me ; neither has Chevron. After a month of waiting for a response, I contacted the bank again and they said it could be another month. Why does this suddenly take two months ( or more? ) to investigate when it only took a few days previously. And why does this keep happening? 
The latest incident occurred at XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX, TX, XX/XX/2019, XXXX. The pump price was {$2.00} and the discounted price, which I should have been charged, was {$2.00}. I purchased XXXX gal of unleaded regular on pump # 4. 
Obviously I have a receipt. They should too in their electronic record of the sale.
Consumer complaint received 2018-03-01
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. (AR)

I have tried dispute these and it gets me no where, even on the website it wont let me, these are not my accounts, I am working hard to get my account in shape and its steadily adding these accounts from someone else! 

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX Placed For Collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$750.00} XXXX XXXX Authorized User XXXX $ XXXX XXXX Authorized User XXXX $ XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX-auto Inquiry from XX/XX/XXXX + Misc . 
XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Retail, Not Elsewhere Classified XXXX  XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX  XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX
Consumer complaint received 2022-08-16
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. (IL)

In accordance with the fair credit reporting act, everything has to be 100 % accurate on my Credit report. The credit bureaus stated my account was property investigation but now is That possible if the open date is inaccurate, the active inaccurate, and date last reported is not accurate.This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A, states l 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 a account without my written instruction. 
My complaint ID # XXXX
Consumer complaint received 2022-08-16
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. (VA)

XXXX, Experian, and XXXX are all governed by 15 USC 1681. and theyve violated my rights numerous times. I demand the accounts listed below be removed because according to 15 USC 1681, I have the right to privacy and I did not give written permission to furnish these accounts. I am a natural person. I have rights under 15 USC 1681 that I am enforcing. 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
Consumer complaint received 2019-01-24
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I have contacted Equifax the lovely company that put my information out to fraudulent people plus dealing with personal fraud on my credit that Equifax refuses to block according to FCRA. I sent a police report and identity theft.gov report to Equifax back in XXXX XXXX XXXX find me they received it and each month they would re-investigate according to what they say clearly they didnt and theyre not complying with blocking when you have been a victim of identity theft.
Consumer complaint received 2019-01-24
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (UT)

Experian didn't properly identify my disputed update. For Account Name XXXX   XXXX Account Number XXXX Account Type Credit card I'm requesting proof of liability to this account that is on my credit report and I was only sent an update to the claiming it's mine. Under Sec. 602. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness,1 credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

1So in original. Probably should be creditworthiness,.

( b ) Reasonable procedures. 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. 

By law I request to see signature I owe this debt!
Consumer complaint received 2019-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NC)

I tried working with both Citi Bank and XXXX XXXX XXXX. I filled a dispute with my credit card company on XX/XX/XXXX over the phone that XXXX XXXX XXXX went over my {$1000.00} Credit Limit. I made 3 extra payments torwads my credit card ( XX/XX/XXXX {$320.00}, XXXX {$300.00}, XXXX {$100.00} and XX/XX/XXXX {$200.00} ) during the duration of the car rental to me the obligation amount. Citi decreased my credit card limit from {$1000.00} to {$490.00} when I filed my dispute. They reversed the {$1200.00}. the charge and post it back on my credit card that I am unable to pay. Now, Citi expects me to pay {$1200.00} by XX/XX/XXXX. I can not meet that obligation due to the lack of work and I won't start work until after XX/XX/XXXX. I work as a XXXX XXXX  and my last assignment ended in XX/XX/XXXX. I was NEVER LATE paying my credit card obligation to Citi and yet they decreased my credit card limit because I have other credit card balances. I don't see how that had anything to do with my flawless pay history with Citi.
Consumer complaint received 2022-08-16
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. (PA)

The unverified accounts indicated below are still being reported in my report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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 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 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 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 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
Consumer complaint received 2022-08-16
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: EQUIFAX, INC. (PA)

The unverified accounts indicated below are still being reported in my report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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 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 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 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 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 2022-08-16
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. (NV)

I sent a letter on XX/XX/XXXX to XXXX and TransUnion to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX and TransUnion are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 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 XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-02-05
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: Experian Information Solutions Inc. (MI)

I received an alert for a credit inquiry from XXXX XXXX I disputed the credit inquiry with the company and was told it would be deleted. As a follow up I reached out to Experian to delete the inquiry as well and it was not done with no explanation provided. I did not authorize this inquiry of my credit report.
Consumer complaint received 2019-01-24
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MN)

My father was a XXXX XXXX XXXX and purchased a home for {$35000.00} in XX/XX/1992. He passed away and I recently assumed the mortgage. They are claiming that approximately {$65000.00} is owed on the mortgage, claiming due to several Foreclosure Proceedings, but can not give me a breakdown of all the fees. 

The original mortgage company is XXXX  XXXX XXXX. Some years ago, XXXX XXXX XXXX sold the loan to NationStar and NationStar is now Mr. Cooper. 

Recently, I had to modify the loan and they changed the supposedly fixed mortgage payments 4 times in the past year. I can't work with that, this is not normal. Especially on a VA Loan. 

I am requesting that they give me a breakdown of all the fees on this account since the beginning of the loan in XX/XX/1992. 

Please help me, I am having a difficult time dealing with Mr. Cooper. They have a problem sending Statements, Notifications and Correspondence to me every month. They can't answer my questions and they don't call me back when requested. I am always told a certain representative is working on the account, but that person never calls back. 

Thank you, I need you to promptly reply and investigate this fully.
Consumer complaint received 2022-08-16
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. (IL)

I am natural person I am a living human being and i have a right under 15 usc 1681 and Equifax violated my rights numerous times and i demand these accounts listed below be removed according to 15 usc 1681.I have the rights to privacy and i did not give equifax permission to furnish these accounts. 

XXXX XXXX XXXX XXXX Delete Accounts
Consumer complaint received 2022-08-16
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. (NY)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX
Consumer complaint received 2022-08-16
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. (NY)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2022-03-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$1100.00} XXXX  XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XX/XX/XXXX {$0.00}
Consumer complaint received 2020-02-05
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had made several attempts to write to XXXX, XXXX, XXXX  also Bank of America. I have attached my police report and FTC report along side with my identity information. The creditors is still reporting the Fraudulent information on my credit. This information been on my credit report for the pass 6 months now. 

Bank Of America Account # XXXX Bal {$5300.00} XXXX XXXX  BAL {$890.00}
Consumer complaint received 2022-08-16
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. (NY)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX