davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-21
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. (CA)

I called XXXX in XX/XX/2019 to update my address. Unfortunately it was not updated and I was over 30 days late on my Payment in XX/XX/2019. I contacted XXXX l, they apologized for the inconvenience and credited me the late fee of {$39.00}. They also said they would remove the 30 days late off my credit reports. I recently looked at a copy of my credit report and its still on there.
Consumer complaint received 2017-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (FL)

I initiated a dispute about a charge I made that needed to be reversed on XX/XX/XXXX. Since then I have completed the Chase dispute form and together sent with the form all the requested documentation, including names and numbers at the merchant. This hard copy information was sent over night and signed for on XX/XX/XXXX. As early as XX/XX/XXXX emailed the concern and attached all required documentation via a secure email at Chase. As of XX/XX/XXXX I have spoken to 13 Chase agents, including 2 at the Executive Office of the President. I have nine emails sent via the Chase secure email system and screen shots acknowledging each and every one of the emails. The response each day is " We will respond to your message in 24 hours. '' I have not received promised responses. I have been told I can not talk to a manager about my dispute. The disputed charge is significant {$2400.00}, and occurred on XX/XX/XXXX. On XX/XX/XXXX, the moment I realized the charge was an overpayment I reached out, yet I sit here today, with no resolution and no confirmation of how this is going to be resolved.
Consumer complaint received 2019-05-09
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have received hard inquiries against my credit with both XXXX and XXXX. XXXX  shows three recent inquiries that I am unfamiliar with and need to report this. XXXX Inquiry details are as follows : 1. Capital One Bank USA - date : XX/XX/2019, contacted company about hard inquiry and possible Fraudulent Use of my information 2. XXXX XXXX XXXX - date : XX/XX/2019, contacted company about hard inquiry and possible Fraudulent Use of my information 3. XXXX XXXX XXXX/XXXX XXXX - XX/XX/2019, contacted company about hard inquiry and possible Fraudulent Use of my information XXXX Inquiry details are as follows : 1. Capital One - XX/XX/2019, contacted company about hard inquiry and possible Fraudulent Use of my information I did not apply for a credit card, auto loan or any other form of credit and therefore believe this is a form of Identity Theft attempts. Please let me know what I need to do to resolve this issue. Thank you for your assistance.
Consumer complaint received 2023-01-31
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (NY)

I was a victim of identity theft my phone number, cards social security number and other things was solid to someone on the dark web and I was a victim of security breach with reporting agency. I filed a report with the federal trade commission and let the credit bureaus and credit card company CBNA know and attached the report to my dispute. all but XXXX has not removed the cbna account from my report. I filed disputes attaching the FTC identity theft report and still its not been removed from XXXX. 

CBNA Said they will investigate the matter but never gave me an update. I would like to know a decision!

My credit score was fixed when they added remark code : dispute account information/ close by consumer My credit score dropped 50+ points yesterday when the changed the remark code to dispute resolved, consumer disagrees/ close by consumer The Dispute is not resolved
Consumer complaint received 2021-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUSTMARK CORPORATION (MS)

I opened a checking account with TrustMark national bank on Friday XX/XX/2021 Saturday morning XX/XX/2021 I deposited my paycheck through a mobile bank app and the bank has put a hold on my money and as of today XX/XX/2021 the bank still has a hold on my money. I have complained to the bank personnel and he told me theres nothing he can do. I need my money!
Consumer complaint received 2019-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (CO)

Opened an account for an Amazon credit card through Chase Bank in XX/XX/XXXX. Rarely used the card and closed the account in XX/XX/XXXX via phone. Found out beginning of XX/XX/XXXX that account was never closed AND that Chase had charged Amazon account fees against the card. Over the course of the next year I had at least 3 email and 3 phone conversations with Chase representatives after which in ALL cases they said the account would be closed and that the debt would be removed. 

Have since found out after checking credit reports that they only closed the account after charging significant additional fees and that they have attached that information to my credit report. 

Any purchases after XX/XX/XXXX were not authorized as the account was closed and any fees, fines, interest are fraudulently attached to me. In addition any reporting of such negative items are fraudulent reported to credit agencies. 

I no longer have the credit card number as it was over 2 years ago that the account was closed.
Consumer complaint received 2019-10-03
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. (GA)

Hello. I had to contact the FTC and police because of fraud. I ran my annual credit report today and discovered items on my credit that are completely foreign to me. I am planning on buying a home soon. I have absolutely no idea what these items are and would like them removed as quickly as possible. Two items don't even have names attach to them only account numbers. 
Item # 1 Unknown ( account # XXXX ) item # 2 Unknown ( account # XXXX ), XXXX XXXX, XXXX XXXX.
Consumer complaint received 2023-07-26
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. (FL)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2017-08-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C. (FL)

In XXXX of 2015, Trident Asset Management began reporting an inaccurate collection account of {$290.00}, regarding an account they said they " purchased '' from XXXX. I have never had service with XXXX. Several years ago, I did contact XXXX about getting cable service at my former residence in XXXX XXXX, XXXX XXXX XXXX out and said service was n't available in my area. Later, I got a bill from XXXX for equipment that was " not returned, '' which is absurd since I received no equipment from them as they could not provide service to the area I lived in at the time. I attempted to fix this with XXXX at least five times through their customer service department. I also disputed the information XXXX reported to the various credit bureaus. XXXX did delete its information when I disputed it. But, lo and behold, it shows up on my credit, again, under Trident Asset Management. When Trident reported it, they appear to have " re-aged '' it as the date of original  delinquency is more than six months more recent that what XXXX had reported. We all know means it will remain on my credit for longer as a result of this.
Consumer complaint received 2020-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking  fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX XXXX SS # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX
Consumer complaint received 2021-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I have been sending letters to XXXX, XXXX  and TransUnion since XXXX of last year, it seems that they are ignoring my dispute and never send me any physical proof of the negative accounts.
Consumer complaint received 2021-04-26
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 — Investigation took more than 30 days
Company: CITIBANK, N.A. (CA)

I have filed a dispute in regards of the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.
Consumer complaint received 2020-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (DC)

On XX/XX/2020, I contacted Citibank to discuss my account. The automated system asked if I wished to close my account. I clearly stated " No. '' I then received an email that my account had been closed. 

That same day, I called Citibank again and requested to speak to a representative. I explained to the representative that I did not authorize the account closure. The representative stated that I could not reopen the account without a credit pull because the account was not closed in error. I refused to reopen the account with a new credit pull, and I stated that the account had in fact been closed in error. The representative stated that under Citibank Policy, an  account closure through the automated system is never a bank error. 

On XX/XX/XXXX, I attempted to resolve the issue with a Citibank manager and I spent several hours at a Citibank branch. I was told that I could not reopen the account without a credit pull. The Citibank branch initiated an internal complaint because he understood that this was a Citibank error and my account should be reopened without a credit pull. On XX/XX/XXXX, the internal complaint was rejected, and my account has remained closed.
Consumer complaint received 2017-10-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (LA)

I have been receiving multiple phone calls, sometimes per day. Blocked numbers, spoofed numbers, etc. The agents are dismissive when I tell them that the debt was sent to them in error. I applied for and received a credit card but did n't end up using it for my dental work. I have the receipt for the cash payment. I 've tried calling Synchrony bank - where the debt seemed to originate - but they say that once the debt has been sold they can not retrieve the information that would clear my name. 

The agents from this company, XXXX XXXX XXXX, have heard all of this information but do not seem interested at all in it. They repeatedly say that they only want to discuss how I can pay them. If I try to disengage the conversation because I am driving or my children need my attention, the agents will firmly try to keep my attention to their call.
Consumer complaint received 2020-05-18
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TrueAccord Corp. (KY)

Tru accord sent an email with the collectors name in the header. Tru accord failed to use any sort of identity verification or disclaimer before email was opened. Inside of email stated to disregard email if this was sent to the wrong email then provided all debt and personal information under the disclaimer. I contacted the company and was told that all contact information was " assumed '' correct and that they did not have to verify or have verification steps before giving debt and personal information. I explained that I would like to have their fdcpa policy sent to me and was told that they couldn't provide this information. Once I explained that a small deviation in the email address name could result in the wrong party receiving personal information i was once again told that it wasn't their problem and that it was given to them and assumed accurate.
Consumer complaint received 2020-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX, account NO. XXXX is wrongfully portrayed on my Transunion and XXXX  reports, for the fraud of the original creditor XXXX XXXX. Prior to service I provided my usual medical insurance as asked for ; I had an expectation that I would be required to pay my usual co-pay of @ {$50.00} and was prepared to do that. Instead prior to service and upon double-checking before leaving I was told by office staff " XXXX '', to my suprise, more than once that my INSURANCE WAS VERIFIED AND THAT THERE WAS NO-COPAY REQUIRED. Obviously this was a fraud perpetrated upon me by the original creditor, that the office worker 's statement was untrue. They knew they had me for any amount they chose to charge me with the threat of destroying my credit which the original lying creditor has done with their strong-arm collector. I've paid a bill I didn't owe according to the law and have had my credit ruined by a fraud perpetrating original creditor colluding with a collector.
Consumer complaint received 2021-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am filing a complaint as a response to my recent dispute with Transunion from XX/XX/20. There is a collection account I have disputed/had removed twice and the same account was deemed " accurate '' with the recent dispute. Initially, I filed a complaint against the original creditor, XXXX with the collection agency, XXXX XXXX XXXX included. The complaint was not able to be sent to XXXX ( which was the source to resolve issue ). After research, I discovered XXXX is no longer a company. I am addressing the issue with Transunion as this is where the disputes began with XXXX. This account has been previously disputed and removed from my credit report twice : 1. XXXX XXXXXXXX on XX/XX/20 and 2. XXXX on XX/XX/20. First, I made a counter-offer of 42 % to their 70 % offer for settlement, mailed payment and it was rejected/requested to pay full amount. Second, I spoke with a representative on the phone, agreed to pay 50 % and requested the offer in writing. I never received the offer in writing. I have requested cease of communication from the current collection agency. I prefer to address issue with XXXX, but I wanted to inquire why the first two collection agency attempts to collect debt were removed and the current collection agency deemed valid. I would like clarity to the decision of the current dispute results.
Consumer complaint received 2021-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I have started a new job working with security clearance for XXXX I recently found addresses on my credit file that do not belong to me!! I have to get this cleared up asap. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, SS XXXX DOB XXXX is my current and only address. Please remove/delete the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX I have several incorrect names on my file as well please remove the following incorrect names : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, please delete.
Consumer complaint received 2020-11-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (MD)

i recently obtain a copy of my credit report and noticed and account i did not authorize. Credit collection services continue to violate my rights via fair debt collection practices act, i have enclosed a copy of my ftc report. This is my cease and desist letter. ALL communication with this company should stop .im am the original consumer ; also i have included and highlighted a list of violation each violation is XXXX. This exhibit along with my affidavit of truth will be mailed
Consumer complaint received 2017-10-17
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. (AR)

XXXX # XXXX and XXXX XXXX XXXX has multiple names and continue to duplicating accounts on my credit reports. This account has been paid. Both creditor and collections are reporting incomplete information misleading potential creditors offers. XXXX XXXX exceed 7 year statue for reporting. 

XXXX XXXX XXXX XXXX paid as well all adverse information listed on credit report is incomplete. 

XXXX XXXX XXXX/XXXX XXXXXXXXXXXX XXXX are all the same duplicated accounts.. I have record showing I paid this account.
Consumer complaint received 2020-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (LA)

My parents put me as an additional user on their chase Manhattan credit card using my name and date of birth only. No signature. I authorized them putting me as an additional user. However, Chase bank will not allow me to remove myself as a user. This card is being reported to my credit agencies and makes me responsible for the debt. I do not wish to remain as an additional user. But, Chase will not remove me without their consent.
Consumer complaint received 2022-01-07
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: EQUIFAX, INC. (PA)

I am a victim of identity theft. I am demanding immediate removal of the accounts and inquiries listed on this complaint. Equifax, XXXX and XXXX are in direct violation of 15 US. Code 1692 ( e ) False and misleading representation which has harmed my reputation and ability to be to obtain credit and conduct business.
Consumer complaint received 2022-04-05
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. (MO)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I 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 instructions XXXX XXXX Account number : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX