davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2021-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

TransUnion is in violation of multiple FCRA laws. I am attaching proof of violation in the contents of this letter as well. 
1.Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; 2.Fact, I am sure the removal of information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to the lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; 3.Fact, the Fair Debt Collection Practices Act states the Permissible purposes of consumer reports and an unauthorized inquiries. You are report unauthorized inquiries to my credit report to avoid running a risk of fraud I demand removal, so be it, and ; 4.Fact, the Fair Debt Collection Practices Act states I have right to dispute inaccurate information, I demand all inaccurate misspelled names, address, and inaccurate accounts be remove immediately, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your in order avoid me receiving further injury, damages, mental anguish, reputation, and losses due to me being a victim of identity theft, so be it, and;
Consumer complaint received 2019-03-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

Equifax intentionally refuses to meet compliance with 609 ( a ) ( 2 ) ; ( a ) ( 4 ) ; 611 et. seq. and/or additional FCRA laws, & more importantly violation of the Fair Accurate Credit Transactions Act ( FACT Act ) of 2003 enacted by congress in which its behavior may have risen to either a criminally or civil liabilities claim. 

Repeated requests to provide methods of accuracy & verification used by Equifax pursuant to FCRA 's promulgated statutes, rules, authorities and/or 611et. seq., remains intentionally silent or misdirected and thereby remains non-compliant of FCRA 's authorities to date
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2021-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (FL)

I deposited a check into my checking account on XX/XX/2021 a check received as a death benefit claim for my mother XXXX XXXX. 
Chase froze my account stating that they could not verify my check after multiple phone calls with chase representatives informing me that they were returning the check because they couldnt verify the information I called XXXX XXXX XXXX company the insurer of the check and they immediately informed me that chase had cashed the check on XX/XX/2021 I then called chase again and they stated that I needed to fill a claim and dispute the check in order to receive the funds. I called and they said I could not do that. I called chase deposit review team again they stated that I needed to have XXXX XXXX XXXX  recall the check. I called XXXX XXXX XXXX and they said they could not do that because chase cashed the check and have the funds. I called again to clarify whats the real problem because I have no problem calling XXXX XXXX XXXX but chase indicated that they cant get a hold of anyone to verify the check. 
I called chase again today and spoke with a manager named XXXX from XXXX Ohio and he stated the same thing they cant verify the check I told him that they verify my brothers check within two days and we have the same check same amount insured by the same company and he was like they keep getting a voicemail this is absolutely ridiculous and unfair practices! I have been on the phone hours and days to resolve this problem! 
I have all the documentation that proves this check belongs to me as submitted below.
Consumer complaint received 2020-09-23
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (FL)

On XX/XX/2020 I received an alert that I had a new inquiry on my credit report from Sychrony/Amazon I immediately contacted the vendor to dispute this inquiry and the representative stated they did not know how the application was put through being that when she attempted to verify my information she could not because the actual application did not even have my correct social security number. The representative stated she would send an electronic notification to XXXX  to have the inquiry removed but could not provide me with a copy of this notification. I asked for this situation to be expedited which she said she would attempt to accomplish. After numerous calls to both XXXX  and Synchrony Bank/ Amazon . I have yet to receive a resolution to my issue. The last supervisor I spoke with at Synchrony states that a deletion letter was sent to XXXX   and I will receive a copy of it as well in 7-10 days and that time has elapsed already since the inquiry.
Consumer complaint received 2019-03-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (GA)

The company name : IC Systems INC has purchased a debt that doesn't belong to me with a balance of {$1600.00}. They are reporting this on my credit reports as a collection I owe them. My identity has be stolen completely and they are aware of this. They have a sign affidavit on file from me from others identity theft things. I need this off my report! It is not mines. This has negatively impacted my credit score and  me closing on my first home.I have no problem signing anything affidavit if they need it. I just need this off now.
Consumer complaint received 2017-08-10
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. (MD)

Good Day I 've sent a letter regarding this matters and some of this has been handled however this is n't my problem. This issues are the duplication of pulled inquires on my credit report. I 've sent Equifax this information over numerous times but have not verified anything with me. I receive a letter from Equifax stating they have verified everything but never sent me anything from the companies. I 'm extremely frustrated with this matter. This will be a on going process if Equifax does not handle things on their end. I 've submitted something on the XXXX XXXX, XXXX XXXX, XXXX XXXX and now XXXX XXXX. These are the companies : XXXX XXXX XXXX X/X/2016 and X/XX/2016 XXXX XXXX XXXX XXXX : X/XX/2016, X/XX/2016, X/XX/2016 XXXX XXXX : X/XX/2016, X/X/2016 XXXX XXXX : X/XX/2016, X/X/2016,  X/XX/2016, X/XX/2016
Consumer complaint received 2022-03-31
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Valentine and Kebartas, Inc. (TN)

On XX/XX/2022 I accepted an agreement to make XXXX consecutive payments in exchange for an account to be removed from my credit reports. All payments have been made but neither company involved have followed through with agreement. I feel this would be considered fraud and a violation of laws.
Consumer complaint received 2022-08-11
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. (CA)

This is my XXXX endeavor to tell you 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 an alleged fraud or extortion. 
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 XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$190.00} XXXX XXXX Balance : {$16000.00}
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

I am formally disputing these unauthorized inquiries in accordance with the Fair Credit Reporting Act. I kindly request a thorough investigation into my claim. Due to the negative impact on my ability to apply for loans and obtain credit, I request the immediate elimination of these unauthorized inquiries from my credit report. If there are any additional materials related to these inquiries, I request that you provide them as part of your investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2022-03-31
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Transunion has locked me out of the ability to check my credit report with them. I suppose I am complaining too much so they LOCK me out. Its been happening for days, just says technical problems after I log in and check disputes. Wow these compmanies get better and better, XXXX XXXX management who just wants to collect money and mess with customers. Will not continue, im a great customer you are bad people!
Consumer complaint received 2019-03-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CO)

I attended XXXX XXXX University from the fall of XXXX to the spring of XXXX and graduated with a BS in XXXX XXXX. After graduation I accepted an industry position and began my new career in XXXX of XXXX. After an automatic deferment of six months on my loan repayment I entered an income-based repayment ( IBR ) plan that allowed me to make payments while supporting my wife and twin sons, all without incident. When it was time to renew my XXXX in XXXX I followed the same process but my payment status was left unresolved for several months despite regular attempts to contact the company to resolve the matter. By XX/XX/XXXX I was receiving notices that Navient required payment but would not accept my XXXX application with no explanation as to why there was an issue. By approximately XXXX of XXXX my IBR was approved and I began payments again, but Navient had placed XXXX day late payment marks on my credit report during the time that my payment plan was in process. I worked with the credit reporting agency and Navient to resolve the issue, and eventually Navient agreed that my lack of payment was due to process errors on their end, but for some reason they have only removed the marks for the 30 and 60 day late payments on my XXXX report. Please see the attached document showing a 90 day late payment in XX/XX/XXXX but ( document titled 'XXXX Navient Payment, ' red highlight from me ) but no payment issues on XXXX and XX/XX/XXXX. I have been unable to retrieve documents from either XXXX or Navient showing the previous status, but credit reports don't generally show a random 90 day late payment mark in an otherwise satisfactory payment history. I have contested the 90 day late payment several times with both XXXX and Navient, while the XXXX staff have been friendly they appear to be unable to do anything more than contact Navient as part of the dispute and receive a form letter that says that late payments have to be noted on credit reports. Please see the attached document labeled 'Navient Form Letter ' for the last of these letters I received from Navient while disputing on my credit report. That is literally all of the contact I have been able to document from their organization. At this point I can't even log into their system to find historical documents and can't receive customer assistance in any form.
Consumer complaint received 2022-08-11
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. (MO)

I submitted a letter to the Experian and XXXX on XX/XX/22 to update this suspicious information. I think Experian and XXXX have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and XXXX, and I'm including it again. 


XXXX XXXX XXXX XXXXXXXX Balance : {$4800.00} XXXX XXXX Balance : {$13000.00} XXXX XXXXXXXX Balance : {$27000.00}
Consumer complaint received 2022-03-31
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: CrossCountry Mortgage LLC (MI)

There are a couple of recent pulls on my credit that I did not approve. XXXX/CROSSCOUNTRY MORTGAGE & XXXX XXXX I GAVE NO AUTHORIZATION FOR THESE PULLS.
Consumer complaint received 2018-02-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (NC)

I opened a checking account with HSBC, responding to an offer to get a {$350.00} bonus. More information about the bonus can be found here : XXXX XXXX XXXX I apologize that this link is to a third party, but I no longer have access to the promotion on the HSBC website . The terms described on this website matched those that I saw on the HSBC site. As you can see, the bonus required me to make 2 bill payments in each of 3 months in the first 120 days after account opening. 

HSBC dragged their feet about opening the account, but I received a Welcome to HSBC email on XX/XX/XXXX and I promptly established online access to the account. 

I made two bill payments in XX/XX/XXXX, four in XX/XX/XXXX, four in XX/XX/XXXX, and four in XX/XX/XXXX. I tried to space them to ensure that two would be  before the statement close date each month and two would be after. 

The {$350.00} bonus never posted. On two separate occasions, I asked via online chat about the bonus. In each case, I was promised a review and a decision by mail and email. I never received any decision form HSBC. 

The bank has been non-responsive, and I no further interest in banking with them, but I'm afraid to close the account out of fear that it would then be impossible to get the bonus.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

The payments that are being reported on my credit profile violate my consumer rights under FCRAconsumer law 15 USC 166B. As a long-time customer that has had an exceptional payment history with XXXX, I am appalled that they will violate my consumer rights in such a manner that is detrimental to me achieving a good credit profile which affects my approval chances for other accounts.
Consumer complaint received 2020-07-12
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account.
Consumer complaint received 2021-09-10
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. (OH)

I never gave this company permission to have or create or furnish a report on me. Because of this I have been having a hard time keeping my credit report intact because this company just basically violate my right to privacy and let just about any company place things on my report. I have been a victim of identity theft numerous times and have to do a lot to keep my credit in tact and take literal breaks to mentally heal from the damage thats non stop done to me. I have submitted ftc reports and had fraud alerts placed on my account before but now in really tired of it and I demand my privacy and want the following items in the attachment file corrected and removed and I also want a full in dept copy of my credit " file '' reflecting ALL items that are posted that I may or may not know about.
Consumer complaint received 2021-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

I have a checking account with Webster Bank. I have had this account for years. I wrote out a check for over {$1400.00} in XX/XX/2020. I was going to put a stop on the check after 6 months went by and it wasn't cashed. I specifically asked the people eat the bank if I should stop the check and they told me that after 6 months the check is stale and can not be cashed, I found out that the check was cashed this XXXX m, almost 12 months after it was written. The bank told me that they can do what they want at their discretion after 6 months. The bank misinformed me and the check should not have been cashed. They take absolutely no responsibility for this. No check should be cashed after 11 months.
Consumer complaint received 2019-03-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (TX)

Opened an account with Chase Total checking account online on XX/XX/2018 with the promotion offer of {$200.00} bonus when you open a new Chase Total Checking account and set up direct deposit. I have already set up the direct deposit and deposit was posted on XX/XX/2018 which is before 60 days. 

I haven't received the XXXX $ bonus yet.
Consumer complaint received 2019-03-07
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. (NC)

I recently received a copy of my credit report where I disputed a collection account with XXXX XXXX XXXX/ XXXX XXXX the credit bureau stated they had verified the information as accurate however I received a copy of the itemized billing and signed contract today and their are several i issues which require the item to be removed from my credit file 1. The name of the collection company on credit file is XXXX XXXX XXXX however the name on the letter of validation has XXXX XXXX XXXX 2. I also received the same paperwork from another collection company name of XXXX XXXX 3. One set of paperwork have the name and signature for service as XXXX XXXX the other has the name as XXXX XXXX but signature page as XXXX XXXX it is clear this paperwork has been tampered with and or altered 4. Why is two different companies attempting to collect on the same bill it clearly the same account number on all paperwork 5. The signature page doesnt give the collection company any rights to contact or collect from me I do not have a signed contract with them 6.since the original hospital contract states Arbritraction Mediation and Arbiter Mediator ... ..They are in breech of the contract by assigning it to a collection company 6. Also the billing information provided is in violation of the HIPPA policy as the lab work testing and information should remain private