davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion shows a debt in collections on my report that was charged off in XXXX and no judgments or agreements since. This debt is past the statue of limitations and shouldn't show on my credit. XXXX  XXXX told me that they show the account was charged off in XXXX but said it shouldn't show on my credit as well. Unfortunately they would not send me documentation saying the charge off date or last purchase date. Transunion has not sent me validation of debt with the charge off date, delinquent date and last date of purchase. Its ridiculous I was sent a letter from XXXX  XXXX saying they would resolve it but they say it's not showing on my credit and its definitely on transunion. They couldn't post it on XXXX  because another company tried on XXXX  in XXXX. XXXX  actually investigated and found charge off date but transunion just says its verified, and even after a certified validation of debt letter they still wont supply any info as to age of debt, when debt was charged off and last purchase date.
Consumer complaint received 2021-06-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (TX)

I received a written demand for {$520.00} from American Coradius International LLC XXXX XXXX ) XXXX XXXX  XXXX XXXX XXXX  XXXX, XXXX NY XXXX on XX/XX/2021. 

It alleges that I am in arrears to XXXX XXXX and that they have been assigned my delinquent debt under account # XXXX. 

I have only one XXXX account and that balance is, and has been for years, {$0.00}. I am uncertain if this is a case of overt fraud or mistaken/stolen identity, but my credit has been frozen for years and I'm having a hard time imagining a situation where someone was allowed to open a new line of credit under my name.
Consumer complaint received 2020-01-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (AZ)

I filed a complaint through the CFPB with Chase bank on XX/XX/2020 ( Complaint ID XXXX ) regarding my chapter XXXX bankruptcy discharge of the second mortgage not being dropped appropriately according to the language in the Deed of Release. The Deed states This Release is solely for the purpose of releasing the real property described above from the lien created by the Deed of Trust and is not a release of the obligation under the Note as said obligation has not been fully paid. This issue was found out by an underwriter when I was completing the process of a Home Equity Line of Credit to pay off my vehicle. The terms were {$55000.00} for 120 months ( 10 years ) at a 6.49 % fixed rate with a new monthly payment of {$630.00} but now I have been denied and missed that opportunity due to Chases Deed of Release language errors. In addition, I was also in a refinance process with my mortgage loan of {$230000.00} at a 3.875 % fixed rate 30 year mortgage with a monthly payment of {$1300.00} which expired on XX/XX/2020 due to Chases issues I could not complete the process. Attached are the documents stating the proof of these two transactions. I want Chase to take it upon themselves to accommodate me with the above mentioned Home Equity Line of Credit and Refinance terms of my mortgage that I have since LOST due to Chases mishaps. 

Regards, XXXX XXXX
Consumer complaint received 2018-02-11
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. (TX)

In XX/XX/XXXX and XX/XX/2017 I pulled a copy of my credit report from XXXX and Transunion and immediately noticed 24 inquiries on my credit report. I have sent dispute letters and have called multiple times only to be told they were accurate with no proof as requested. I have not applied for any credit because I know my credit score is not feasible to many companies. There are several done from XX/XX/2017- XX/XX/2017 for an auto loan. The ONLY auto loan I have is from XXXX which I have always purchased through XXXX. I have tried reaching out to each of the creditors and have gotten nowhere. My rights as a consumer under the Fair Credit Reporting Act has been violated.
Consumer complaint received 2022-01-12
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: JPMORGAN CHASE & CO. (MT)

I had an offer to open an XXXX XXXX credit card managed by JP Morgan Chase, including an instant {$60.00} XXXX gift card. The offer invited me to give a little bit of information to pre-qualify without it hurting my credit score, which I did. The results came back with a congratulations you're pre-qualified for an Amazon Rewards Visa Signature Card. So I continued to the application process and it came back with a denial! It said XXXX will send me the reason in writing within 30 days. I feel like this is a total bait and switch, which has now just given me a 2 year hit on my credit score.
Consumer complaint received 2021-06-08
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}. 
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 ) -- CLOSED ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened onXX/XX/2017 with a balance of {$11000.00} -This is not my account.
Consumer complaint received 2021-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I transposed two numbers in my account number when filling out my direct deposit for my tax refund. The deposit was sent to the bank XX/XX/XXXX. I discovered the problem and called the bank XX/XX/XXXX. I was told if the money went into the wrong account, it could not be taken out of that account. I then spoke to a manager who told me there was no account with the numbers I had put on the direct deposit, so the money would go back to the originator. Today, XX/XX/XXXX, I found out the money did not go back, but had been put in another account by Capital One. Capital One now refuses to give me my money.
Consumer complaint received 2021-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX IN XX/XX/XXXX XXXX XXXX XXXX IN XX/XX/XXXX Spoke with credit bureaus
Consumer complaint received 2022-01-12
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: MoneyLion Inc. (GA)

I have already 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. This is unacceptable! Please fix this.
Consumer complaint received 2022-01-12
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. (GA)

On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-02-11
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: Bread Financial Holdings, Inc. (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXX  XXXX, Comenity CB/XXXX, and XXXX XXXX. The Account Opened is XXXX  XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}. The Account Opened is Comenity CB/XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2021-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (CA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX Inquiry : XX/XX/XXXX, JPMCB - CARD SERVICE Inquiry : XX/XX/XXXX, XXXX XXXX - XXXX Inquiry : XX/XX/2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Avant Holding Company, Inc. (GA)

i have been XXXX since XXXX and i was released XX/XX/XXXX to come home to find many accounts open in my name and my bank account empty.my home was broken into shortly after i was XXXX and alot of personal information came up missing and that how i believe this started
Consumer complaint received 2021-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (WA)

My credit card with Synchrony Bank keeps getting " restricted '' ; I do not find out about this restriction until the card is randomly declined at point of sale. Customer service indicates this is happening because mail sent to me is being returned by USPS, this has happened three times, and each time we have confirmed that the account has my correct mailing address. 

I receive postal mail at this address from every other sender without issue. Customer service suggests that I speak with USPS regarding this matter, which I have done, and USPS is unable to act without an example of one of these returned pieces of mail, which Synchrony customer service can not provide me with. 

During my last contact with customer service they indicated they had filed an " escalation '' and someone would follow up and be able to provide an image of a returned mail piece. That follow up has not occurred as of today ( XXXX XX/XX/2021 ) I believe it probable that Synchrony is either truncating my address due to length or has an old address in some system that regular customer service can not see. I would like to work with someone at Synchrony that could retrieve the images of these returned mail pieces, to determine why they're being returned, and get to the root cause of this issue.
Consumer complaint received 2020-11-05
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. (SC)

Equifax deleted an item off of my credit but then did violation of removing then adding the account back as a New account. Which is false. Hopefully this doesn't happen to no one else with Equifax trying to take advantage innocent people. Thank you for read and helping me resolve this matter. The proof is in upload session.
Consumer complaint received 2023-01-18
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. (NC)

While investigating my Experian credit file I have discovered inquiries that do not belong to me. 

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 2021-06-08
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: CITIBANK, N.A. (VA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2019-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: ALLY FINANCIAL INC. (FL)

I believe that I had made my payments when I received my statements. The reason could be that my monthly statement did not get to me or the payment was not applied as fast as expected. I noticed that the money has been deducted from my checking account on the months marked late on my credit report.
Consumer complaint received 2021-06-08
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: Experian Information Solutions Inc. (GA)

I recently received a copy of my credit report after reviewing it, I found an item on the report that is inaccurate. The account in question is XXXX XXXX  XXXX. This account does not belong to me. It belongs to a relative with the same name that lives at another address. The account in question is : Name of Account : Account Number : Reason for Deletion XXXX # XXXX Does Not Belong To Me
Consumer complaint received 2021-05-31
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: National Credit Systems,Inc. (FL)

VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX XXXX AND XXXX  CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
Consumer complaint received 2018-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: STATE FARM BANK, FSB (VA)

My most recent call to this company was this morning XX/XX/XXXX ; I spoke with a representative by the name of XXXX and then proceeded to speak to a supervisor, XXXX who then transferred me to an account specialist who attempted to collect a debt I did not know I was late with the payment until the card statement arrived on yesterday XX/XX/XXXX. 
I was advised by the account specialist that I would need to make the payment in full of {$100.00} and then they would waive the late fee. I asked them if I could pay half which is past due and they said no. I advised them sometime in either XX/XX/XXXX or XX/XX/XXXX, I  was in fact late because I overlooked the bill. That late was waived and the representative I spoke to then advised me if I made a payment of {$48.00}, I believe, my account would be up to date and I would go back to the minimum of {$25.00} per month. I am incurring late fees every month even though I am making the payment. I advised the next representative in XX/XX/XXXX that the same thing is happening. She advised me she would waive the late fee and I asked her how much I needed to pay to bring current. She said {$25.00} and I advised her I would send {$30.00}. 
Now they are asking me to pay this {$100.00} before they will do anything and have sent my account to collections like I am some sort of criminal. This account was opened in XX/XX/XXXX as was advised by the rep I spoke to today. It has been 15 years since it was opened with a XXXX line of credit and I have maybe been late once. 
I advised him I intend to pay this balance off as the account is closed within the next year so I do not need to be drained of money with all of their fees and interest. 
As you can tell I am very upset and would like something done about this.
Consumer complaint received 2023-04-10
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. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (IL)

I have sent certified letters out to them and I am not getting know respond at all. The debt that they are trying to receive have been removed off of my credit report and put back on there. By Law they can not remove debt and put back on there. Once it comes off my report it must stay off. They will not respond to none of my certified letters that I have sent out. Please Help. 
Thanks. 

Account ; Midland Credit Managem Account Number ; XXXX Balance ; {$480.00}
Consumer complaint received 2020-01-24
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: NAVY FEDERAL CREDIT UNION (TX)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2018-02-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (FL)

This company Phoenix financial services has a debt of {$300.00} repotting on my credit profile I have sent a letter to this collector asking that they send me validation bearing my signature, because I dont remember obtaining any services from this institution, and I have not received anything, also they reported this on my credit file before ever contacting me ... please remove this information ASAP ..
Consumer complaint received 2021-02-02
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: ALLY FINANCIAL INC. (TX)

When I filed a second dispute of a charge-off that Ally Financial placed on my credit report, the company updated information in my credit file to alter the date that they first reported the charge-off illegally, in order to re-age the entry and sell it to a debt collector. 
I initially disputed the charge-off that Ally first reported in XXXX of XXXX as I was a victim of Hurricane Harvey in XXXX, TX. In XXXX of XXXX when my lease ended, Ally did not remove the fees that were supposed to be dismissed due to my status as a person affected by Hurricane Harvey. Ally began reporting charge-offs to my credit file from XX/XX/XXXX though XXXX of XXXX. When I filed a second dispute with the credit bureaus, in an attempt to raise my credit score, Ally then changed the information showing that the payments were current up until XX/XX/XXXX and reported a new charge-off starting in XX/XX/XXXX. I immediately received a call from a collection company about this disputed amount. It is clear the Ally fraudulently changed the information which was two years old, to falsely sell it to a collection company that it represented to collection company as a new charge-off.
Consumer complaint received 2021-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (SC)

On XX/XX/2020 I wrote an letter to JPMCB ( XXXX XXXX ) and XXXX total amount XXXX to state that the original creditor had died and I sent copy of proof of death certificate. I never received any response back and XXXX  just states that the account has been verified. Thats when I reached out to the creditor and never heard anything back. I never received an answer back and its been over 30 days. 

Same issue with XXXX