davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

Credit Bureaus report addresses that do not belong to me. Some addresses are of employers and family but I do not live at these addresses. I've already been a victim of id theft and having addresses that aren't mine makes it harder for me to verify myself without a report in front of me. 

I've disputed with the bureaus but they tell me to contact the furnisher. I can not request a furnisher to remove/update addresses for me if I am not a customer nor account holder with them. 

Hopefully CFPB can assist in correcting my file and getting these addresses removed.
Consumer complaint received 2021-05-24
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. (NC)

XXXX XXXX marked me incorrectly as deceased on XX/XX/XXXX for account ending in XXXX. They also are still incorrectly reporting late payments on a credit card account ending in XXXX after 60 days of them promising they fixed it. 

I immediately called in to have it fixed, as they caused me to suddenly have NO credit score due to their incorrect reporting of being deceased. 

I received a letter stating they looked into my account and found nothing wrong on XX/XX/XXXX. This was for the wrong account after I explained in detail which account was showing the issue. 

It has now been 2 months and XXXX  XXXX refuses to update or notify the remaining credit bureau that I am not dead. I have called XXXX XXXX and Equifax ( which is reporting me as deceased STILL ) and both have said it is not their fault, and that the other is the culprit. 

I have now lost a total of {$2200.00} in earnest money that I put down on a house because of XXXX XXXX Irresponsible and unhelpful customer service. Thousands of dollars. Gone. When I call them now they just state it shows here on your account that you need to wait 90 days from XX/XX/XXXX meanwhile they initially told me multiple times they would fix it IMMEDIATELY because it is holding me back from buying a house! The resolution they are trying to feed me is 120 days of having a critically negative impact to my credit score due to XXXX XXXX gross negligence. 

They are abhorrent at customer service and are causing my family and I extreme grief over their mistake. They have been horrible in trying to fix it and unhelpful in any way. 

In addition to this, they were supposed to delete late payments for an account ending in XXXX for the months of XX/XX/XXXX and XX/XX/XXXX, which I received a letter for dated XX/XX/XXXX. XXXX STILL shows those late payments as being reported by XXXX XXXXXXXX as recently as XX/XX/XXXX. So XXXX XXXX again is ruining my credit report with inaccurate information. 

The correct reporting from XXXX XXXXXXXX should show 0 missed payments for all three bureaus across accounts XXXX and XXXX, and should be REPORTING ME CORRECTLY AS NOT DECEASED. This is the bare minimum expected of any financial institution. How did XXXX XXXX even let this happen in the first place? 


Equifax : Fix me in your system. I am not deceased. 

Transunion : I have incorrect late payments marked in your system for my XXXX XXXX card ending in XXXX. I have tried several times now to get you to update these, even providing the same letter attached directly from XXXX XXXX stating these are not late payments and are incorrect. Update these please.
Consumer complaint received 2022-01-09
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: Happy Money, Inc. (CA)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.
Consumer complaint received 2019-06-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To whom it may concern im am XXXX XXXX my social security number is XXXX XXXX XXXX born XX/XX/XXXX i live at XXXX XXXX XXXX XXXX XXXX XXXX n.y XXXX on my credit report theirs a XXXX account and student loans that show negitive and change off i told transunion credit reporting agencies that their fraudulent accounts. Can you please have transunion remove these accounts from my credit report. Thanks
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (FL)

On XX/XX/30, in response to an inquiry on XXXX XXXX  to see if I could qualify for a car loan, I received an email from XXXX XXXX from XXXX XXXX XXXX XXXX XXXX requesting more complete data. At XXXX I called the XXXX number on the email, but did unfortunately not make note of the representative I spoke with. I gave her all the info requested, but in the course of the conversation she mentioned pulling my credit. I shared that I was just coming off a bankruptcy and expressly asked her to put a note in the file that they were ONLY to proceed with the application if a hard pull on my credit was NOT required. She said she would do that. That evening I got an email from XXXX saying that my application was declined, and also got an email alert from Equifax that XXXX XXXX  had in fact performed a hard inquiry ( AGAINST MY INSTRUCTION by phone and therefore UNAUTHORIZED ). I have emailed XXXX back and requested they remove the inquiry from my Equifax record and advise me when complete. I have not received a reply. I have been advised by Equifax that only a request from XXXX XXXX  can get this inquiry removed from my credit report.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, I am writing to dispute the following information that appears on my Equifax report from XX/XX/XXXX : Inquiry from XX/XX/XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry fromXX/XX/XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XX/XX/XXXXXXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I personally signed and sent this letter. 
Sincerely, XXXX XXXX
Consumer complaint received 2021-11-06
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. (NY)

XXXX XXXX on my credit report ( experian, XXXX, XXXX ) that open on XX/XX/XXXX, it was a result of an identity thief, someone use my infos to open these accounts and I requested that they blocked these infos immediately and didnt get any results for the last 2 years after I sent ftc report 3 times also theres an address that end with the zip code XXXX that its not mine on my experian I want to be remove immediately XXXX XXXX XXXX that open on XX/XX/XXXX without my permission that must be remove off XXXX, XXXX and experian. 

XXXX XXXX that open on XX/XX/XXXX, they claimed I had 6 late payments and thats not accurate, I want the late payment remove from Experian, XXXX and XXXX XXXX XXXX XXXX open on XX/XX/XXXX, XXXX and XXXX removed but experian still didnt remove it
Consumer complaint received 2021-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I applied for Capital One quicksilver credit card 1 month ago ( through the link my friends share with me. On that website, it said very clearly -- - New Cardmember Offer : Earn a one-time {$200.00} cash bonus once you spend {$500.00} on purchases within 3 months from account opening. 

However, I have spent like $ XXXX in the first month and still didn't get this {$200.00} bonus. I have reached out to the credit card team of Capital One. They just respond with " Oh, it looks like your credit card doesn't show sign-on bonus sorry. Our back-end expert said you are not qualified with this bonus. '' I'm curious about why it states on the application website very clearly but how they have the right to refuse to pay this welcome offer. I want a reason why I can not get the bonus ( I have a very good credit history ) but they can not provide any reason/excuse for that.
Consumer complaint received 2021-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

We XXXX XXXX XXXX in XXXX and during Covid we were not able to pay our personal credit cards and loans so we called the credit card companies to defer the payments and to close out accounts to lower the interest rate. Now, I am current with the credit cards and trying to get pre-qualified to purchase a home but I can't get approved because of the 30, 60, 90 days late payments that were incurred during the end of XXXX through the beginning XXXX. According the president, the late fees were not to be assessed during Covid and the creditors would help out. Well, I come to find out that is not the case since I am trying to get pre-approved and my credit score is being affected from the late payments.
Consumer complaint received 2021-11-06
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. (CO)

According to the FCRA that you are suppose to be in compliance with states that pursuant to 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( ii ) the communication of that information among persons related by common ownership or affiliated by corporate control should be excluded from my consumer report. I believe these accounts should be removed from my consumer report according to the FCRA. you are in violating the law by reporting accounts that should be excluded from my consumer report. All alleged accounts associated with XXXX XXXX be removed from my consumer report immediately.
Consumer complaint received 2021-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I Do not recognize or no what these inquires are on my consumer report that you are reporting these are fraudulent inquires that i want removed from my consumer report. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX/XXXX. XX/XX/XXXX
Consumer complaint received 2020-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (TX)

Recently obtained a copy of my credit report from XXXX  along with a letter from XXXX/Synchrony Bank stating a denied application for their credit card. It indicated that a credit inquiry was made by XXXX/Synchrony Bank. However, I did not authorize this inquiry. I'm writing to get this removed from my credit report. 

Please have this inquiry removed from my credit report as it is having a negative impact on my daily finances. I can't apply to new cards or increased credit lines that are essential to cover my necessary expenses. My vehicle is on the verge of fully breaking down and I am unable to even consider purchasing a replacement car as I am unable to get financing approval due to the detrimental effects of this inquiry.
Consumer complaint received 2020-01-22
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

XXXX XXXX XXXX has an open account on my credit report which I challenged with XXXX  XXXX. I filled out complaint form and requested written verification of debt 15 USC 1692g sub 809 ( b ). This company does NOT have my permission to open an account using my information. I have NOT done business with this company and they have NOT produced a wet ink contract between myself and said company.
Consumer complaint received 2021-11-06
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: Business & Professional Collection Service Inc (NV)

I have a medical collection from Hospital Collection Services being reported to XXXX that should not be there. 

I have contacted Hospital Collection Services and XXXX on XX/XX/2021 / XX/XX/2021 / XX/XX/2021 and have yet to have them respond. 

This collection has been removed from XXXX as they know they were illegally reporting this information. 

" Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to any Medical Office for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patient 's authorization, therefore my request is two-fold and as follows : Validation of Debt and HIPAA authorization : - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you Their failure to comply is a direct violation of my rights under the FCRA and FDCPA. 

This illegal collection has and continues to hold me back from being able to utilize my credit and is causing major distress to me.
Consumer complaint received 2021-11-30
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. (CT)

I mailed a bankruptcy dispute on XX/XX/21 to Experian which they received and started the dispute on XX/XX/21. I submitted documentation from XXXX XXXX that showed that they couldn't verify the bankruptcy on my report therefore they had to remove it. Experian finished the dispute on XX/XX/21 and said that they verified the bankruptcy with XXXX XXXX which is false.
Consumer complaint received 2021-11-06
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. (CO)

I Do not recognize or no what these inquires are on my consumer report that you are reporting these are fraudulent inquires that i want removed from my consumer report. 

XXXX XXXX XXXX XXXX XX/XX/2021 XXXX/XXXX  XXXX XX/XX/2021
Consumer complaint received 2021-05-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ME)

Bank of America has charged a overdraft transfer fee twice in one month, with no overdraft. Its my belief that BofA has written code to commit fraud against low income populations, the software they are using is placing debit/hold on funds in accounts in a attempt to cause overdraft charges. My account even with the frozen funds did not overdraft, I was still charged a fee. The representatives attempted to lie and claim that I had over-drafted the account, after realizing that they couldnt explain it both times the representatives admitted my account wasnt over- drafted. I received a refund however my account only has so many courtesy waivers, now if I overdraft I will not be able to get it waived. This was done with software that is probably stealing hundreds of millions of low income dollars. Bank of America has committed fraud against my account twice in one month. The bank has manipulated transactions and balances to cause overdraft fees to occur, this bank is predatory!
Consumer complaint received 2018-02-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JH Portfolio Debt Equities, LLC (MD)

On XX/XX/XXXX, I successfully settled with JH Portfolio ( XXXX XXXX XXXX on all written correspondence ) for {$580.00} on a balance owed of {$830.00} ; I was sent a letter from XXXX XXXX XXXX showing that I owed a {$0.00} balance and that the debt was paid for less than the full balance. However, on my most recent credit report, pulled XX/XX/XXXX, I have a past due amount with JH Portfolio for the remaining {$240.00}. If I have a letter stating that I have settled the account, and it is now closed, why is JH Portfolio/XXXX XXXX XXXX still reporting the forgiven balance as past due?
Consumer complaint received 2018-02-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (KS)

I have received multiple calls from both a local number ( XXXX area code ) as well as calls from the XXXX area ( XXXX area code ). I have answered and spoken with the representative to request a cease of contact and have been still receiving calls. I have worked tirelessly over the past several years to satisfy all outstanding debts and collection accounts and have pulled my full credit report multiple times. The debt in question is posted on my credit report as " legally paid in full for less than original amount '' which should have ceased collection. I have notified the collection company " XXXX XXXX '' that the debt has been settled and to please stop calling me. Phone calls have been from XXXX and XXXX over the past 2 weeks. Even after telling them that the amount has been satisfied, they say I still owe over {$7000.00} for Citi Financial. Only remaining collections on my account are XXXX overdue bill and XXXX XXXX overdue bill ; both have been paid and satisfied.
Consumer complaint received 2021-10-26
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. (IL)

I XXXX XXXX on XX/XX/21 sent a 609 letter to XXXX, XXXX, and Transunion regarding inaccurate things on my credit report. It has now been over 110 days later and I have not received a response yet.
Consumer complaint received 2019-10-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (TX)

This company has sent me a bill for {$210.00}. I am disputing this debt with the original creditor. I request that this company do not contact me anymore. This debt is not mines and I don't owe any balance.
Consumer complaint received 2022-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (OR)

I had an existing balance transfer balance not due until XX/XX/22. I got offers to make purchases for " statement credits ''. As I made these purchases I paid the balances. Rather than allocate my payments to the recent purchases, they allocated it to the balance transfer balance. I contacted them via secure message many times and they kept including the rules of how payments worked. I followed all these rules but they still wouldn't credit my payments to the right place. They also gave those new purchases a new " promotion offer '' expiration date which I did not ask for. I became so frustrated I called several times but they still wouldn't fix it. So I closed the account. I just can't believe they are doing this legally. It's absurd! I hated to cancel the card because closing accounts affects your credit and I am working hard to keep my excellent credit. I'm just furious about it. I can't believe they can legally do this when even their printed rules say otherwise. I really appreciate if you could investigate this. Thank you
Consumer complaint received 2022-04-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

ive been with chase since i was XXXX that is now 7 years. they closed my account yesterday. I reported fraud earlier this week the lady on the phone made it sound like i was lying. i have rent due in 2 days my insurance is due as well as other bills. they accepted my direct deposit from work and now its going to take 2 weeks before i have a dime to use i have half a tank of gas and now for the rest of these 2 weeks im screwed. thanks chase for showing us how you treat long term customers. i called the bank they refused to help me. what is the point of a bank that isnt designed to help the people that fund their stock ventures. my rent is XXXX $ late a day. if anything adverse happens through this horrible process im suing chase. DO NOT BANK WITH THIS GOD FORSAKEN BANK!
Consumer complaint received 2018-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

I Have had a chase checking account with Jp morgan chase for 9 and half years and i get a letter in the mail that they are closing down my checking account and credit cards by XX/XX/XXXX, when I tried writing them a letter and contacting them they told me theres nothing we could do. looking over my account I dont see anything I have done other then basic shoping purchases that would warrant my checking account to be closed this is a big hassle and is stopping my going about my daily life. I tried explainin g to them that this was a mistake on their part and they should submit it for review but after they did a review they are still going ahead with the closure of my account very upsetting please remove this restriction and have a nice day thank you please ask them to reopen my credit cards and checking account even just a checking account being reopened is fine this is very frustrating thank you for your time, XXXX XXXX