davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

FCRA VIOLATIONS NOT MINE NOT MY CC XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$2600.00} written off. 
XXXX  XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$16000.00} Status Account charged off. {$16000.00} written off. {$16000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4900.00} Status Account charged off. {$150.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1500.00} Status Collection account. {$1500.00} past due as of XX/XX/XXXX. 
NOT MY ADDRESS XXXX XXXX  XXXX XXXX XXXX, TX XXXX Resident type Single family NOT MY NAMES XXXX XXXX XXXX XXXX XXXX NOT MY JOB XXXX CONTROLS NOT MY INQUIRIES XXXX  XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX
Consumer complaint received 2022-12-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (GA)

National Credit Systems and XXXX has violated my rights and this is my last go round with them before going to court. Not only were dates altered by XXXX and the leasing office according to XXXX  website and XXXX attorneys, XXXX  was supposed to send me a bill directly from Its company XXXX  before sending over my personal information to National Credit System. XXXX  has allowed this company to be rude and nasty to me over the phone. I will not stand for it anymore both companies will be liable for punitive damages. I have attached documents showing XXXX responsibilities and protocol. This protocol was not followed at all and for this reason I will personally filing a lawsuit against XXXX and National Credit systems. XXXX  was supposed to send me a statement not a collection agency. XXXX  was suppose to give me the opportunity to dispute and correct it with them prior to sending my personal information to National Credit Systems.
Consumer complaint received 2022-01-12
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC (PA)

Checked credit report and found a card was opened fraudulent in my name and charged to. 

Called Genesis FS XXXX XXXX ( XXXX XXXX a XXXX XXXX XXXX ) and notified them. They in turn sent out documents to fill out and I sent back on XX/XX/XXXX. 

They in turn sent back a response on XX/XX/XXXX indicating my personal information was verified. The personal information was incorrect in the documents sent and I called the company several times to resolve with no response back. 

A police report was filed on XX/XX/XXXX with the PA State Police and sent back along with a letter on XX/XX/XXXX asking to re-open the investigation. Letter was faxed to XXXX and XXXX with no response.
Consumer complaint received 2023-01-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (OR)

Received debt collection notices of {$880.00} and {$74.00} from credit collection services for an account that I do not have with XXXX XXXX  My name is not even spelled correctly on the debt collection letters. Reference numbers are : XXXX XXXX XXXX ( pin : XXXX ) XXXX XXXX XXXX ( pin : XXXX )
Consumer complaint received 2021-06-10
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: JPMORGAN CHASE & CO. (TX)

I have these accounts that does not belong to me and i want it to be remove from the 3 credit reporting agencies. See the list bellow : 1. Identity Theft JPMCB CARD Account Number : XXXX**** This is not mine.

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX**** This is not mine.

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX**** This is not mine.

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX** This is not mine.

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX** This is not mine.
Consumer complaint received 2015-12-29
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (FL)

On XX/XX/XXXX and XX/XX/XXXX, various online accounts of mine were compromised by hacker ( s ) including Amazon.com, Amazon Store Card ( Synchrony Bank Credit Card ), PayPal.com, XXXX XXXX Checking Account, XXXX XXXX Account and XXXX XXXX Credit Card. 

All accounts save for the XXXX Credit Card Account were resolved successfully and fully to my satisfaction. XXXX 's Fraud " Detection '' Department however refuses to acknowledge my fraud claim. 

Synchrony Bank provides Amazon.com customers with a Credit Line ( Card Account ) which is directly linked to Amazon.com. On the dates listed above, unknown hacker ( s ) connected to my Amazon.com account and by siphoning approximately XXXX or XXXX transactions of approximately {$100.00} dollars from the Synchrony Account into Amazon.com Gift Cards ( electronic gift cards ), they were able to make fraudulent purchases with the Amazon.com Gift Card balances. This happened on two occasions on XX/XX/XXXX and XX/XX/XXXX. 

Amazon.com 's fraud system fully detected this fraudulent activity and quickly removed the orders from my account, however the fraudulent charges were already made to my Credit Card Account. I have tried to contact Synchrony Bank but they fail to understand how the fraudulent purchases were made and refuse to provide monetary compensation in the form of removing the fraudulent charges from my credit card. This impacts my credit score significantly and I can not and will not pay off a balance on fraudulent charges totalling in approximately {$650.00} dollars.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a XXXX party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-01-13
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. (TX)

I called XXXX, Experian and XXXX I informed them that their were inquiries on my consumer report that was unauthorized and that I do not recognize. I demanded that they remove these inquiries off my consumer report as I never gave them permission to report anything inaccurate and negatively on me. Pursuant to federal law Title 15 USC 1679c - Consumer Credit File Rights Under State and Federal Law You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any credit repair company or XXXX XXXX XXXX has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over XXXX XXXX XXXX. Bankruptcy information can be reported for XXXX  years. This information is inaccurate, alleged, and defamation of character.
Consumer complaint received 2022-10-05
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: Experian Information Solutions Inc. (TX)

There shows to be a closed/charged off XXXX  account on all 3 credit company reports. I talked to XXXX  back in XXXX  up to current about this showing up. I recently got an account with them to help build credit, but didn't have an account with them in XXXX. I talked to XXXX  they had my address on file to which was an old address and I made a fraud claim. They did nothing. I contacted the credit agencies for further investigation as well as the federal trade commission. This is still showing after I was advised it was handled and to give it 30-45 days to remove months ago. 
This needs to be removed immediately.
Consumer complaint received 2021-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (CA)

American Express offered a pandemic relief program to its customers with no penalties. I entered this 12 month relief program and just successfully completed it. I had no issues with payments or anything. American Express decreased my credit limit XXXX. I called and they told me they did decrease my credit limit due to being in their pandemic relief program. American Express fights for several social causes and I am so confused why they would penalize customers for accepting their pandemic help with no penalties. When I asked if they would return the limit back they refused. How is this treatment helpful to customers.
Consumer complaint received 2019-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION (VA)

Hye, I have credit card with Navy Federal Credit Union. 
I traveled with my family to XXXX Tx and stayed at XXXX. I tired to extend the night stay through XXXX and paid from my Navy Federal Credit Union card. My payments was deducted but got no confirmation or notice from XXXX. After waiting for 30 minutes I contacted hotel XXXX. The staff on duty told me there was no booking reflecting into the system. I also called XXXX and they also told me to contact hotel staff as they have no information. However if we want to extend the stay we need to pay more for other hotel options, which I disagreed. 
In morning we checked out the hotel while payment was deducted from my card. I disputed this transaction as we didn't stay at hotel and still charged for this. Now after dispute Navy Federal Credit Union is asking fro invoice and other proof which I told them I never got and after paying for extended night it doesn't make any sense that we didn't stay at hotel. Navy Federal Credit Union is not resolving my issue and I told them its all fake and I need my money back which they are not trying to settle down. Please get me my money as its a good amount for me paid for what not consumed at all.
Consumer complaint received 2019-07-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (NY)

I got a call from XXXX. 
They told me they had my Citi Platinum card debt, and confirmed the last four numbers of my SSN. 
I told them I had no Citi Platinum Card, and that my current Citi Credit Card account was in good standing. 
She replied with, " did you lose your job in 2014? '' and " are you flat out denying that this credit is yours? '' I asked her for further identification and documentation -- she said I had already been provided with it. 
She said they were " coming after me for {$48000.00}. Good Luck with that! '' and she hung up the phone. 

I tried to call them back, and the number is " not in service. ''
Consumer complaint received 2018-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (VA)

My wife and i went through a financial hardship due to her being XXXX  fall of XX/XX/XXXX. We went from two incomes to one. As a result we were a few days late on payments a total of 3 times. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Besides these times we were on time for the prior 10 months. This damaged our credit and will possibly impede on our chances and rates on getting a home. We reached out to the bank and they responded saying they do not have a forgiveness procedure.
Consumer complaint received 2024-03-08
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. (FL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-04
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)

I did not give permission for XXXX XXXX or Transunion to report Bankruptcy on my report as this is damaging my reputation and stopping me from getting any approvals
Consumer complaint received 2021-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

Dear CFPB, This complaint is regarding lack of transparency in sharing Credit Score by the credit bureaus. This particular one applies to my recent interaction with Experian on XX/XX/XXXX. I saw my score dropped by 4 points since last month. Earlier, it was a long 9 points drop on the note that " one of my credit card had closed and the file was thin ''. However, I haven't had any hard inquiries on my file since XX/XX/XXXX. When I ask the representative how did they determined my current score at XXXX. The agent replied I should check with my Credit Advisor. Now, I don't know who is that? So, I asked for who were they referring to? The agent replied-check with the bank because the bank provides them the info. Now, I have not missed any payments and all my credit cards current - and, this info. also shows on their credit reports but why my score went down? the agent had no answer. I plan on applying for a refinancing but with a score of XXXX my chances of getting a good rate is beyond bleak. I am disadvantaged. It is difficult to get a home where I live on top of everything else my score which is the only important tool for me to negotiate with lenders is putting me down in the game. 
I would like to request your office to share any guidelines for an everyday consumer like me who have no idea how this most important area/scoring works? Or, if there are no guidelines and it is up to these 3 credit bureaus to run our lives then I must write it is time that we need to take a look at the current system.
Consumer complaint received 2018-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

Hello, I have inquiries on my credit reports that I've never authorized. I don't have any accounts with these companies and these so called inquiries are affecting my credit score. Here 's a list of the inquiries that I didn't authorize. : XXXX XXXX XXXX  via XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX/XXXX - XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX/ XXXX  XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I need to remove these inquiries so my credit score may increase.
Consumer complaint received 2021-07-23
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Collection Systems, Inc. (LA)

Company reached out to me in XX/XX/XXXXduring the pandemic. I told them I was not working due to covid -19. I received a negative mark on my credit report. The company has been calling me repeatedly and told me they were not going to stop calling until I set up a payment amount. I told the agent I was not working and I did not have any income.
Consumer complaint received 2024-03-08
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: EQUIFAX, INC. (FL)

I disputed inquiries on my report that were not related to things i consented to. After less that XXXX hours they deemed their investigation complete and did not fix anything on my report or thoroughly do an investigation Items are as follows : DateXXXX XXXX XXXXXXXX CompanyXXXX  AddressXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CompanyEQUIFAX XXXX XXXX AddressEQUIFAX MORTGAGE SERVICESXXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Request OriginatorXXXX XXXX XXXX XXXX XXXX XXXX CompanyXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX Request Originator XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Request Originator
Consumer complaint received 2023-04-04
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. (CA)

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report inaccurate information on the fallowing account. I recently sent you a request to investigate the information previously disputed on my consumer report on XXXX/XXXX/2022 your company has not fixed issue. It is still reporting inaccuracies on my consumer report. Please investigate these accounts and send me an updated report with these changes. As these companies are in direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a 1099c form this company please provide me with one do not update this account delete immediately! 

ACCOUNT NAME : XXXX XXXXXXXX XXXX XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXXXXXX XXXX XXXX ACCOUNT XXXX : XXXX ACCOUNT NAME : XXXX - XXXXXXXX XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX, XXXX. 
ACCOUNT # : XXXX
Consumer complaint received 2022-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There shows to be a closed/charged off XXXX  account on all 3 credit company reports. I talked to XXXX  back in 2018  up to current about this showing up. I recently got an account with them to help build credit, but didn't have an account with them in 2018. I talked to XXXX  they had my address on file to which was an old address and I made a fraud claim. They did nothing. I contacted the credit agencies for further investigation as well as the federal trade commission. This is still showing after I was advised it was handled and to give it 30-45 days to remove months ago. 
This needs to be removed immediately.
Consumer complaint received 2017-07-24
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. (CA)

I am filing this complaint because TransUnion has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section  611 ( 5 ) ( A ) of the FCRA- they are required to ... .promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank you
Consumer complaint received 2015-09-29
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (VA)

XXXX XXXX, 2015Walmart/Synchrony BankXXXX, GA XXXXRe : Credit Card ending in XXXXTo Whom It May Concern : This letter is in reference to an account held with your financial institution that has become delinquent due to financial distress and external factors. 

The purpose of this communication is to provide you, the creditor, with some insight as to the reasons why my account has been late. During the latter part of XXXX I became unemployed due to non-renewal of contract. Thus, my sources of reliable income diminished. Ultimately, this situation impacted my ability to pay my bills on time. 
As you review my payment records, you could certainly verify that I have tried to maintain a consistent payment history. It is very hard to work, be a student and a head of household of XXXX. 

Thinking about ways to solve my issues, I applied for unemployment benefits. Attached you will find a letter from the Virginia Department of Labor describing my ineligibility for benefits due to tax exemption regulation ( employer ). Obviously, this is something that I was unaware which indirectly affected my opportunities of solvency. Hence, the only source of relief had overtly disappeared. 

I tried to communicate with your institution via email, however this method was not accessible to me ( account had been locked/closed ). I am enclosing a payment for the current month. Perhaps there might be other alternatives to maintain a good standing with your financial institution. My ultimate desire is to get this matter resolved. I know my credit has been hurt by these situations. I hope we can make reasonable arrangements, for instance : remove all finance fees and late fees in order to move forward. 

Lastly, I would like to thank you for your time and attention. I look forward to your response. 

Regards, XXXX XXXXCc : File