davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

This is the list of account which do not belong to me or were opened without my permission. 
XXXX XXXX LA XXXX XXXX XXXX XXXX CA XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}
Consumer complaint received 2021-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

It has come to my attention that you, TRANSUNION, a consumer reporting agency pursuant to 15 U.S.C. 1681a ( f ), has violated my rights as a consumer, a natural person pursuant to 1692a ( 3 ) and has furnished information without my written consent, pursuant to U.S.C 1681b ( 2 ).
Consumer complaint received 2020-08-19
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)

Awhile back I lost my wallet with all my personal information inside. I did not think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.
Consumer complaint received 2020-08-19
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. (GA)

Awhile back I lost my wallet with all my personal information inside. I did not think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.
Consumer complaint received 2018-06-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MA)

Creditor. XXXX # XXXX Amount. {$110.00} The XX/XX/2015, XXXX  ruined my lawn. And did damage to shrubs. I cancelled their services. 
I requested that they repair the damage ( burnt lawn, etc. ) and they would not respond. 
I should be bringing a counter suit to collect for the repairs to my lawn. 
I have photos. 
I have tried, repeatedly, to rectify this situation. I just keep getting collection letters from Transworld systems.
Consumer complaint received 2018-06-20
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: Informative Research (CA)

A company known as informative research based in XXXX XXXX California ( XXXX ). Pulled my credit four ( 4 ) times. Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I hired a company called XXXX XXXX which provided me templates to mail and dispute. These items. The responses I received requested more information as they claim to be a 3rd party. To date I havent been able to determine where these particular inquiries came from, or why they pulled my credit 4 times in 4 months.
Consumer complaint received 2018-02-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OR)

A single {$480.00} credit card charge to XXXX ( XXXX XXXX XXXX ) was overlooked by me, which was my fault. It was then turned over to a collection agency before I was aware of the past due account, which is also my fault because I put most of my payments on auto-pay. I received no phone call from XXXX. The collection agency, XXXX XXXX XXXX XXXX called me, and after verifying the bill, I mailed them a check. They sent me a written notice ( attached with this complaint ) in XX/XX/XXXX that the account was paid and closed. Another collection agency, XXXX XXXX XXXX XXXX of XXXX, Virginia is now calling me in XXXX and XX/XX/XXXX demanding payment for the same paid account. They have refused to give me a fax number or email address so I can prove that I paid the account, but just keep calling to demand that I pay. The XXXX credit card was closed by XXXX XXXX and this has probably damaged my credit. I will never do business with XXXX again. I have good income, no credit card debt except what I pay off every month, and a credit score in the mid-700 's. I can withstand this abuse but I am appalled that a reputable firm like XXXX/XXXX  XXXX allows this kind of behavior that could cause serious damage to those less fortunate than me.
Consumer complaint received 2018-02-23
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (MI)

I have a XXXX XXXX credit card, that I have never been late on, ever and recently just paid off. I was notified that my credit limit was decreased. When I called to find out why, they told me because of serious judgement, which was my bankruptcy but they knew this when they approved me.
Consumer complaint received 2018-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (CA)

I purchased a pair of shoes online with my Chase Sapphire Reserve credit card on XX/XX/XXXX. Card number XXXX. The item is sold year round and was advertised on the website for {$110.00} down from the retail price of {$490.00} for Father 's Day, but I was charged the full retail price + tax and the retailer did not want to honor the sale price. Chase offers a Price Protection insurance on their Sapphire Reserve credit card that will reimburse up to {$500.00} per claim for items purchased that are advertised for a lower price. I filed a claim on XX/XX/XXXX through their online claims center and uploaded a screenshot of the reduced price that I took when I purchased the item and my purchase receipt. A claim number # XXXX was assigned to me. After several days, I received a decision on XX/XX/XXXX that the claim was rejected due to being a seasonal sale. 

Chase 's terms and conditions state that exclusions include " Advertisements of sales of seasonal or discontinued items including, but not limited to, holiday decorations, clothes, or costumes '' Here is a link to their benefits. 
https : //www.chasebenefits.com/sapphirereserve These shoes are not a seasonal item as they are sold year round, but they are trying to extend this statement to seasonal sales. A seasonal item are products like Christmas trees, Halloween costumes, holiday cards, etc. I called their claims center to clarify and they are saying that according to their terms, they would not honor any seasonal sale including Black Friday, Mother 's Day, Veteran 's Day, semi-annual sale etc. The problem is that 95 % of retailers specifically time sales all year around these special dates, which would exclude basically a majority of their Price Protection claims. That is a very predatory practice to advertise an insurance service that most people can not even use. 

Please let me know if you can rectify this issue. All I want is for my claim to be properly honored. I can be reached at XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX
Consumer complaint received 2021-07-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

I opened my account in Coinbase, Inc., the company which operates Coinbase and GDAX in the U.S., based in California. Funded with XXXX. I had to wait 6 days for availability, which I did. 
Today when the funds are available, they come an block my account disabling all possible options to buy or sell with my money. I sent 3 emails to customer service support but they do not answer. It is impossible to communicate with them I found that this company has been sued in a class action for blocking the accounts without any reason. My ID has been verified 4 times without any problem and the funds are there. 
I am desperate because it seems that they are taking my money without any justification. Please help XXXX XXXX
Consumer complaint received 2020-07-16
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$4000.00} CHAPTER XXXX BANKRUPTCY FILED XXXX CHAPTER XXXX BANKRUPTCY FILED XXXX CHAPTER XXXX BANKRUPTCY DISMISSED XXXX XXXX XXXX {$4000.00} XXXX XXXX {$590.00} XXXX  XXXX {$500.00} XXXX  {$0.00} XXXX  XXXX  XXXX
Consumer complaint received 2018-06-20
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (TX)

XX/XX/18 XXXX mortgage company transfer my loan to Caliber Home Loan without providing the information I requested regarding, Real Estate Settlement Procedures Act. 

I reqested proof of Real Estate Settlement Procedures Act ( RESPA ) to Caliber Home Loan, including its chain of title, and required notices of transfer, and that the foreclosure proceedings cease on XX/XX/2018 pending receipt of said documents. However, I had not receive the information, and Caliber Home Loan is moving forward with a foreclosure on my property.
Consumer complaint received 2020-07-16
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. (GA)

I continuously received bills in the mail that i was sent to collections. I wondered for months what in the world these bills were for. I knew I always paid all my bills and opened accounts on time. I decided to finally get a copy of my credit report to make sure all my accounts were in order. Igot my report back and I was furious with the anount of items on my report that I know do not belong to me. Please remove these items off my credit report
Consumer complaint received 2018-06-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (TX)

Never received notice of the debt until after it was reported to credit agency. Contacted company immediately and paid debt, of which I was told I would recieve a confirmation email statement. I never received that. I called back and then I was told I would not receive a payment statement and that my bank statement would serve as my receipt. I submitted a dispute with the credit agency to have the collection account removed from my credit report and now the company who reported it will not remove it and states it is accurate as it stands even though the account has been paid in full. The problem is I only have a bank statement to show as proof of payment but no actual receipt from the company. So I am stuck with a collections account on my credit and again the company refuses to state it was paid or have it removed.
Consumer complaint received 2018-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I pulled my report and found I had unauthorized inquiries on my account. I contact the source and they did nothing they said they had no information on my account. they have did nothing. I contact the Credit bureau as well they have not responded..
Consumer complaint received 2021-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/21 my XXXX  partner and I opened a XXXX banking account at Chase bank on XXXX XXXX in XXXX, NY with a man named XXXX. I deposited a check from my employer for our initial deposit. The money was taken out of my employer 's account and never deposited into mine. When I called to find out why, Chase told me that the check " did not look like others '' my employer had written. Not only have I never had a problem like this with another institution, my employer can verify that that statement is a flat-out lie, because she does not write checks to anyone but me and therefore Chase has never seen one of her checks. That aside, after calling Chase multiple times and having them verify with my employer that the check was legitimate, they are still refusing to give me my money. They have closed my account and are holding over {$4000.00} in limbo. Not only should they not be able to hold money in limbo, they also should not be able to close my account without my permission ( in a case like this ). Every time I call I have to remain on hold for very long periods of time. Every time they call my employer to REPEADELY verify the check this looks bad for me and is a hassle for her. Not only has this process gotten us nowhere, we do not have time for this.
Consumer complaint received 2020-01-27
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. (NY)

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 30 60 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-06-12
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. (MD)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2018-06-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TX)

Opened XX/XX/2016 for XXXX XXXX XXXX. 
National Credit Systems XXXX. XXXX XXXX XXXX GA XXXX for the amount of {$1400.00}. 
I wrote to them to verify this account back in XXXX and have not received anything. This account is not validated, and needs to be removed. As of XX/XX/XXXX any civil judgement not validated or proven has to be removed. I am asking that this eviction be removed from all 3 bureaus, and proof of validation. If this can not be furnished then deletion is requested.
Consumer complaint received 2021-10-05
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 — Was not notified of investigation status or results
Company: U.S. BANCORP (MA)

This account is being reported with repetitive XXXX  marks which is a clear violation. Please review this account and provide me with complete information and up to date payment history, if your agency is unable to, please remove.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I reviewed my consumer reports and noticed that I had XXXX late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of XX/XX/XXXX & XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agree on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached.
Consumer complaint received 2024-01-31
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. (FL)

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
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 2020-07-16
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. (PA)

I have disputed this XXXX credit card account now three times and was told that the information was accurate, however, this account is a fraud. I do not know what XXXX is and what was bought on this account and when. I disputed the accounts with the credit card company in XX/XX/XXXX as well as XX/XX/XXXX after I was told they believed it was accurate because it was being paid off. I even attempted to ask for the contact information on the address and they would also not give me that. I then went to dispute the account through XXXX, TransUnion, and XXXX  and XXXX in XX/XX/XXXX and they provided the bureaus with the same information stating that since the account has been open since XXXX and being paid that they will not follow through with the dispute. Again, I did not and never opened an account with them. They send me emails about the account and I can not even open to see information on the account because I do not have access to whatever email and password are on the account. The only reason they started sending me emails and paper mail is because I gave them my actual email and address when I filed the complaint the first time.
Consumer complaint received 2020-07-16
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. (PA)

I have disputed this XXXX credit card account now three times and was told that the information was accurate, however, this account is a fraud. I do not know what XXXX is and what was bought on this account and when. I disputed the accounts with the credit card company in XX/XX/XXXX as well as XX/XX/XXXX after I was told they believed it was accurate because it was being paid off. I even attempted to ask for the contact information on the address and they would also not give me that. I then went to dispute the account through Experian, XXXX, and XXXX  and XXXX in XX/XX/XXXX and they provided the bureaus with the same information stating that since the account has been open since XXXX and being paid that they will not follow through with the dispute. Again, I did not and never opened an account with them. They send me emails about the account and I can not even open to see information on the account because I do not have access to whatever email and password are on the account. The only reason they started sending me emails and paper mail is because I gave them my actual email and address when I filed the complaint the first time.
Consumer complaint received 2021-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NY)

I am have had my American Express since XXXX never missed a payment and also paid in full then Im XX/XX/XXXX. I attempted to make a payment via online American Express website. The program state they were no payment due at this time. I called customer service and they confirm that was no payment due at this time.. The cards was then closed along with my two separate American Express other cards without any notices. I filed an complaint and I was told I will be not charged any interest and late fee while the matter is being investigated. They concluded the investigation in 25 days and confirmed that I there was an error on their part but they will not be able to reopen my card and I would have to pay the late fees and interest on the card and closed account. Second, Amerixan Express refused you refund my annual fees or reopen cards. They have cost my thousands and I this is gross abuse of power. I have been a great customer. And my card was closed through no fault of my own
Consumer complaint received 2018-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dear Transunion, I checked my personal credit report, which I acquired from your company on XX/XX/2018 and I noticed that there was a Fraud/Security Alert placed without my authorization. Regardless of the reason for the alert, please immediately remove the fraud/security alert from my credit report/profile. In addition to this, I am giving you advance notice to NEVER place such alert ( s ) on my credit report/profile without my EXPRESS CONSENT. I have attached a copy of my Social Security Card and a copy of my California Drivers License for verification. Thank you in advance. 
Very Respectfully, XXXX XXXX ( XXXX ) XXXX