davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-05
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)

XXXX XXXX TX XXXX is showing up on all 3 of my credit bureau reports and I have not recollection of this account. I have disputed this with the creditor and the credit bureau 's and nothing has been done on the accounts. XXXX, XXXX, or Transunion has furnished the information that I requested to proved and validate that this debt belongs to be. All the furnished was a statement stating that the verified it was my account and when i asked for the documents showing that this is my account the have not yet provided this information to me. The are reporting two accounts one as paid and closed and one as charged off. This information is incorrect and not true.
Consumer complaint received 2017-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NJ)

I am a 17 year Chase bank customer. 
OnXX/XX/XXXXat XXXX XXXX I attempted using a Chase ATM at their XXXX XXXX XXXX XXXX XXXX NY branch ( XXXX ). 

I attempted to deposit both checks and cash. 
1 check was {$660.00}, one was {$35.00} and the cash was XXXX ( XXXX XXXX XXXX ). 
The machine had a failure - the screen said " We 're sorry. there is a technical problem ... '' and printed a receipt saying, " This device has experienced a technical problem. '' ( I signed the 2 checks at the table by the ATM 's - so this should also be on camera. Unfortunately I stopped writing the bank account number on the back of my checks since with the ATM stamping its not really necessary ). 

As it was just before the branch opened, 1 Chase representative was there. He said that it was best to call the number on the receipt ( XXXX ) which I did. I gave them all of the information and they opened a claim XXXX One day i receive email and email from Chase to contact them which I did. They said they did n't find anything and that I should have the " makers '' write new checks and cancel the old ones ( and Chase would somehow compensate for the stop check fees ). Before reaching the makers, i got an email from Chase ( 1 day after speaking with a rep ) that my claim was closed - and the credit they issued me was being reversed - meaning I 'm out {$840.00}. 

I called back up - got transferred to a supervisor and started from scratch.. The supervisor seemed surprised that I had a receipt - and asked that I fax it and they would reopen the claim. I did that (XX/XX/XXXX ) and never heard from the - and got no email that they claim was reopened. I called back todayXX/XX/XXXXand they told me they did reopen but did n't find anything. 

I 'm at a loss - clearly something went wrong. I 've never made up such a claim before. They have cameras. They are refusing to do anything else. 

The maker of the largest check unfortunately did n't keep a record of their check number but generously wrote me a new check - but they are concerned what will happen if the original ( signed ) check is cashed. The remaining XXXX I 'm out right now.
Consumer complaint received 2020-09-09
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: RFNA, LP (TX)

On XX/XX/XXXX I sent a letter to Republic Finance , LLC asking for validation of their inquiry made to my personal credit profile on XX/XX/XXXX. Republic Finance , LLC has failed to provide me with the appropriate verification that they had my personal authorization for this inquiry. Instead they state that someone called on the phone and authorized. This does not substantiate that they had my authorization for said inquiry.
Consumer complaint received 2020-10-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc (SC)

On XX/XX/20, I applied for a mortgage and Medicredit was not reporting on my credit. 

On XX/XX/20 The lender repulled my credit and told me a new collection was on my report from Medicredit in the amount of {$170.00} On XX/XX/20 the original creditor ( XXXX XXXX XXXX XXXX XXXX  ) was paid. There is no existing balance on my account. 

On XX/XX/20 I contacted Medicredit to remove the collection since I worked with the original creditor to pay the debt. They said their company doesn't delete collections and only will marked as paid. 

On XX/XX/20, I am filing a complaint as Medicredit is in violation of FDPC, I was not notified in writing of this collection before it appeared on my credit report, I don't have an agreement or contract with Medicredit,  and the account they are attempting to collect has a XXXX balance
Consumer complaint received 2023-02-08
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. (TN)

This is my third endeavor to tell you that I am a victim of identity theft and I complain about questioning specific items in my document coming about because of the wrongdoing. The items 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 items in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX XXXX  : {$4500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$600.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-01-25
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. (OH)

I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Consumer complaint received 2023-02-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

So I sent a letter ( s ) off on XXXX XXXX XXXX. Here is my tracking XXXX XXXX XXXX XXXX XXXX XXXX To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. 
Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 
These are clear violations of my federally protected consumer rights.
Consumer complaint received 2021-06-30
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A. (VA)

I went to my local Best Buy store to purchase a tv. I found what I was looking for and I ask the associate to help me with the transaction and use my existing credit card to pay. Because I did not have my credit card handy, I asked him to pull my credit card using my social security and DL. While in the middle of the transaction, he asked me to validate my address and asked me to enter my income. It was wired, and I did ask why income was asked, and he stated it is normal. No disclosure was handed to me, and I did not doubt that he was applying additional credit card. He said it done, and he need to scan the item. I asked what was he doing all the time, and he said he was making sure I was approved. I stated that I did not ask to apply for credit card, I asked to use my existing card. He said, this should affect my credit and because they are not running my credit report. I stated that that is not the case, and I told him I did not need additional credit card, and he stated that he did not see the existing credit card the first time. But I did not give him permission to apply a new credit card. He said I can keep it, it wont affect my credit history. I told him I need to be removed, he handed a phone number and stated that to call Citibank and speak to them. I called not once but twice to complain what happened, and they all blamed me as it is my fault. How is possible that I get blamed, when I dont see the person applying credit card behind a screen that is not visible to me. I ask this credit card to be removed from credit report kindly.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (WA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2019-02-19
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. (MA)

This goes on every other month with Transunion. It does not happen with the other credit bureaus. Every time my school loan increases due to interest accruing, XXXX drops my credit score ( 88 pts this time ), using the excuse that I may have missed a payment. However, my school loans are in deferment until XX/XX/19, so I do not pay until then. There answer to my inquiry about this matter was met with the scores are calculated based on reporting from my accounts. If that's the case, ALL MY ACCOUNTS ARE IN " GOOD STANDING ", and I've never missed a payment. Again, I don't go through this with XXXX or XXXX. I need to find out what the problem is with Transunion.
Consumer complaint received 2017-11-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jim Bottin Enterprises, Inc (FL)

I continue to received a voice recorded message from an XXXX XXXX on behalf of XXXX XXXX. Note, I have never step foot in this facility nor have I ever signed up for membership or even inquired about their services. I receive calls 5 to 10 times a week from this number XXXX with the same recorded message that state ; " Hello this is XXXX XXXX calling on behalf of XXXX XXXX with an important message regarding you membership I am with ABC Financial the billing company for XXXX XXXX I 'm trying to contact you one final time regarding your fitness membership account. It 's extremely urgent that you contact my customer care division at XXXX to resolve this matter! Again, this is XXXX XXXX from ABC Financial calling with a final attempt to contact you to resolve an issue with your  XXXX XXXX account. My customer care division is available to help you. This is an URGENT matter however, time is running out please call us at XXXX Thank you for your prompt attention to this important matter!
Consumer complaint received 2017-11-07
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc. (IN)

Comenity Bank violated the FCRA by not telling me the credit reporting agency used to deny my credit application for a XXXX credit card. Instead I was given erroneous information about the denial. Comenity Bank admitted to the illegal practice in their response to a complaint that I previously filed with the CFPB.
Consumer complaint received 2017-09-14
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. (FL)

I have been a victim of ID theft for almost two decades, I have contacted the company several times and have sent them SOLID INFO as well as the creditors to validate my claims.They continue to deny my claim even though I have sent them everything that shows it should have been DELETED even after being issued a new social security no by the SSA because of my my being so badly compromised.FTC reports, affadivits, police reports, etc.This needs to be resolved immediately XXXX is the primary company that refuses to remove the acct that was opened by someone on XXXX $ XXXX.Acct no XXXX XXXX XXXX XXXX XXXX acct no XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$16000.00} All of these fall under the same scenario needs to be DELETED IMMEDIATELY
Consumer complaint received 2023-02-06
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: EQUIFAX, INC. (TX)

PLease take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2022-04-06
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. (FL)

Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.
Consumer complaint received 2021-07-20
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: Porania, LLC (CA)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine.
Consumer complaint received 2021-07-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (MA)

opened a mortgage on XXXX, XXXX XXXX with XXXX XXXX XXXX for XXXX. 

this lenger no longer is around in mass, just sold my house on XX/XX/XXXX and they are holding back XXXX until this matter can be resovled, I need it discharge or need a balance if anything is owed. I have tracked down that HSBC is now handling the loans but when i call they just give me this email address XXXX, i have emailed it as well as my attorney with no response. it is going on 30 days. I filed a complaint with the commonwealth of massachusetts division of banks and they gave me your info
Consumer complaint received 2019-06-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: LendUp Loans LLC (TN)

I have established an excellent repayment history with this company over a period of more than a year. Last year I was approved for a loan of {$1000.00}, which I paid back perfectly. During this time my wife and i separated. I applied recently for a new loan and was denied. The company 's reason was that I have " insufficient income. '' Yet my wife, who makes less than me, was recently approved for the same amount! The only thing that has changed in the interim is my marital status, which I believe is the real reason Lendup rejected my application.
Consumer complaint received 2024-02-01
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. (PA)

XXXX XXXX XXXX  Opened XX/XX/2018 allegedly owe : {$1400.00} I have been a victim of identity theft I have not opened a credit card account with this bank. I have filed an FTC report and now I'm filing this CFPB complaint as well to get help to dissolve this inaccurate information being reported and improve my credit file so I will be able to obtain the work and home opportunities, I can not obtain due to fraudulent, and inaccuracies being listed on my credit file.
Consumer complaint received 2020-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OR)

Esperian XX/XX/20 - Inability to conatact a person I am in the process of refinancing my home and several rentals. I needed to unfreeze my account at Experian so that the mortgage company could access my credit report. On the afternoon of XX/XX/20 I accessed Experian 's systems and received a confirmation that the account was unblocked. The next day I received an email that indicated that Experian had blocked a request for information from a mortgage company. I tried to call several numbers for help and in each case was given 2 alternatives in each of which did not give the option to talk to person to clarify the situation. 

My concern is that time is of the essence in this situation and they should always give the option of talking to a person. Please note that companies that depend on sales customer support are always very responsive when calling unless they are in the process of going out of business. 

I will be sending a copy of this compplaint to the CEO of Experian in XXXX XXXX CA
Consumer complaint received 2020-10-23
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: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

XX/XX/2020 I went to a hotel on the beach in Oregon only after calling the facility and being assured they were following the Governor 's mandate on masks. It was all a lie and they were not. When I got there I peeked in the small lobby to see a large number of people not wearing masks including the facilities manager and her employee behind the desk. On the front of the registration desk was a large sign about three feet long that said, " No masks, no service ''. But about 60 % of the people in the lobby were not wearing masks AND the employees were not wearing masks so I did not enter. I came back later when the lobby had cleared out. I asked the employees why they were not wearing masks, they did not answer. I asked for my money back as I had provided a credit card when reserving the room. They said if I did not cancel the reservation more than 24 hours before that they could not refund my money. So I was stuck. In a town with 100 's of motel rooms there was no alternative as everything is always full. I couldn't sleep on the beach or in my car as I'd get a citation. So I used the merchants services and stayed in the motel the night, and then got the heck out of their at XXXX the next morning. Bank of America of course follows their antiquated rules and simply state that as I stayed at the motel therefore I can not successfully contest the charge. I would hope during a world wide pandemic people would understand that not only was the motel " not as described '' but they put me in a life threatening situation. I am XXXX years old and immune compromised. When I came home my doctor had me self quarantine for two weeks. I want to complain about Bank of America and they way they treat people that contest charges.
Consumer complaint received 2022-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have disputed this XXXX XXXX and it has not been corrected on my Transunion report. The account is still reporting wrong on my credit report but it is already closed. However, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has been closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file ASAP XXXX XXXX XXXX