davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-11
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. (HI)

The attached document account with XXXX XXXX XXXX XXXX XXXX is inaccurate , fraudulent, misleading, deceptive, not my account, and I did not give consent, permission, or authorization for the account documented in the attachment. The record shall be removed as it does not meet the follow, that I shall invoke for the removal of this XXXX XXXX XXXX XXXXXXXX account : Please remove all of the inquiries as stated above, as they are listed below from the Transunion report XXXX 

The Truth in Lending Act, the Fair Credit Reporting Act, the Equal Credit Opportunity Act, the Fair Credit Billing Act, the Fair Debt Collection Practices Act, the Electronic Funds Transfer Act, and the Fair and Accurate Credit Transactions Act, the right to invoke my constitutional rights, religious views, all applicable amendment rights, and other. The accounts I am disputing is attached below. 

This item shall be removed.
Consumer complaint received 2021-09-21
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 (FL)

had multiple unauthorized charges on my account in which I was promised that I would not be responsible for unauthorized charges. I spoke with American Express today as they called me and was told that they were shutting down my accounts due to 3 returned payments in which were handled and situation explained to American Express and I was promised that my account would not be subject to closure. The returned payments ( 1 & 2 ) as recorded was because of a stop payment put in due to the unauthorized, fraudulent charges on my account as instructed to do so until their investigation was complete which never happened. ( 3 ). The third returned payment was due to a simple mis-keying of a 6 while typing in my new account number. I immediately called in and informed American Express and was assured that my accounts were NOT and WILL NOT be subject to cancellation nor closure. I received a call from XXXX ( XXXX ) XXXX at XXXX XXXX ( American Express account review ) in which I was informed that all of my accounts were immediately canceled and that Im responsible for unauthorized charges. I have been misrepresented, injured and business now will suffer damages due to American Expresss misrepresentations and false promises which led me to believe that I was secure even after being a victim of identity theft. I am a single mother with a business and due to the current climate the world at large is in, I am subject to injury by American Express who without cause nor explanation closed all accounts ( personal and business ).
Consumer complaint received 2023-01-11
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. (FL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still a few items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXXXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IA)

The payments that are being reported on my credit profile violate my consumer rights under FCRA consumer law 15 USC 166B. As a long-time customer that has had an exceptional payment history with XXXX XXXX, I am appalled that they will violate my consumer rights in such a manner that is detrimental to me achieving a good credit profile which affects my approval chances for other accounts.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, Equifax Information Services XXXX LLC, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an accounts for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. This has cause me great anxiety, stress, and financial hardship.
Consumer complaint received 2023-01-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

The attached document account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fraudulent, misleading, deceptive, not my account, and I did not give consent, permission, or authorization for the account documented in the attachment. The record shall be removed as it does not meet the follow, that I shall invoke for the removal of this XXXX XXXX XXXX XXXX account : Please remove all of the inquiries as stated above, as they are listed below from the Transunion report XXXX 

The Truth in Lending Act, the Fair Credit Reporting Act, the Equal Credit Opportunity Act, the Fair Credit Billing Act, the Fair Debt Collection Practices Act, the Electronic Funds Transfer Act, and the Fair and Accurate Credit Transactions Act, the right to invoke my constitutional rights, religious views, all applicable amendment rights, and other. The accounts I am disputing is attached below. 

This item shall be removed.
Consumer complaint received 2021-09-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bonneville Billing and Collections (CA)

XX/XX/XXXX I sent a certified letter XXXX to Bonneville. They never responded to multiple requests for verification of the alleged debt. I have not resided in Oregon in over 8 years. on XX/XX/XXXX I sent a second follow up letter demanding that the inaccurate unverifiable account be removed from my credit. no response yet Bonneville continues to maintain this disputed account on my credit report. I contacted XXXX XXXX XXXX to inquire about such debt and was informed they were unable to locate any account in my name. Only one with my mother 's name with her former address from back in XXXX. I do not owe any such debt and have been continually ignored. this account should not be on my credit report as it violates Federal laws and no proof exists.
Consumer complaint received 2018-07-17
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: EQUIFAX, INC. (NC)

On XX/XX/XXXX, I contacted the credit bureaus to initiate a credit investigation of incorrect items on my credit report. Well over 30 days have passed. XXXX   has responded, but I have not received anything back from Equifax or XXXX XXXX.
Consumer complaint received 2021-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

To Whom it May Concern- I responded to an American Express XXXX XXXX XXXX XXXX credit card on XX/XX/XXXX. The offer specifically promised XXXX XXXX XXXX if I spend {$3000.00} in the first the 3 months of opening the card. This XXXX reward point offer was active as far back as XX/XX/XXXX. 

This same offer is being advertised on the American Express website as today, XX/XX/XXXX. I spoke to XXXX from American Express today and she claims the XXXX mileage point offer doesn't exist. Even after I directed her the AMEX website, she claims the offer did not exist at the time I opened the account. I have photos of the website from XX/XX/XXXX that clearly shows the offer DID exist when I opened the account. This is clearly a bait & switch fraud being perpetrated on me by AMEX. 

I've been a loyal AMEX customer since XXXX and never missed a payment. You can reach me directly at XXXX.
Consumer complaint received 2018-07-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

Back in XX/XX/XXXX, I had attended a school called XXXX XXXX XXXX XXXX XXXX for a certification program for computer programming. The original loan was with Sallie Mae taken for the amount of {$11000.00} at 13 % interest. I have had payment issues on this loan in the past and had the load deferred and in forbearance and missed a lot of payments. 

Well today the loan is with Navient since they bought Sallie Mae and today the balance of the loan is now at $ XXXX@ 12.25 % I believe there is a lot of invalid information on this loan that is invalid and below lists the possible issues 1- Loan was taken out in XX/XX/XXXX through Sallie Mae but according to Navient, the repayment start date is XX/XX/XXXX 2 - Original Principle was for {$11000.00} today the balance is {$13000.00} 3 - Interest Rate was at 13 % and now at 12.25 % and it is variable 4 - The school I attended was XXXX XXXX XXXX XXXX XXXX - Which is no longer in business 5 - School that Navient has listed is " Direct Loan '' this is not a school and nor did I ever take a loan out with Direct loan going to this school. 
6 - Looking at Payment history on Navients Website only goes back to XX/XX/XXXX but disbursment happened on XX/XX/XXXX according to Navient 7- Since inception of this loan, I have paid a total of {$22000.00} with late fees, payments, forebarences, etc 8 - I contacted Sallie Mae to talk to them about loan forgiveness and they started asking a bunch of questions. They asked me where I lived and I gave them the address of where i lived at the time. I lived with my girlfriend so they asked me where i lived and I gave them the address, They then told me that the house I lived in ( Not mine but my girlfriends house ) was worth a certain amount and thus told me to take out an equity loan to solve the debt. How do I do that on a house that is not mine? 

I feel that I have been suffering with this loan for a longtime now and have paid the borrower double at this point and am looking for some relief.
Consumer complaint received 2018-07-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NC)

My loan provider, Navient, has repeatedly provided misleading information about accrued interest and most recently when I set up auto pay in XX/XX/XXXX around the first of the month when my payment was due, the customer service rep stated that my payment is not due until XX/XX/XXXX. She made it sound like I was ahead of schedule on payments so I wouldnt have another payment until XX/XX/XXXX, therefore skipping my XX/XX/XXXX payment. When XX/XX/XXXX came around, none of my payment went towards the principal because I had accrued double of what I normally pay per month. When I called to ask why today, I was told that they moved the date to XXXX as a courtesy. This, to me, among other things is very misleading!
Consumer complaint received 2018-07-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX  XXXX XXXX, IA XXXX Dear Sir or Madam : In XX/XX/XXXX Out of the blue JP Morgan Chase arbitrarily closed my account. This was after my mother is a XXXX survivor who is over XXXX years old and for whom I have a general power of attorney and take care of her bill paying was questioned about a transaction. She is also XXXX  XXXX. 

I have reason to belief that a mentally disturbed family member for whom I have an order of protection initiated this situation. This individual has ben harassing me and other members of my family for a considerable amount of time. 

The bank initially was satisfied with her response. However within 2 days they closed the account of a XXXX year old XXXX XXXX person. 

Soon after for no reason my account was closed as well. I tried to reach out to the corporate offices of Chase and make great effort to find out what happened and to restore my account as well as my mothers but I was unsuccessful. In addition the people I spoke to were not only unhelpful bu exceedingly rude. 

I should add that I have had an account with Chase since XX/XX/XXXX and took care of my ailing father before he passed away for over 25 years as well. I am now taking care of my mother for over 28 years. 

I went so far as contacting a prominent Television reporter who was interested in doing a report on what happened. 

I have since managed to open an account at another bank but this week I had reason to go to a branch of Chase regarding another issue and a manager using my That is a very serious unsubstantiated accusation and given this information I have no choice but to submit this complaint. 

I have no interest in having an account again at a disreputable bank like Chase but I can not and will not accept or tolerate a derogatory accusation be associated with my name. 

I hope that my complaint will hAve the desired effect of removing this derogatory unsubstantiated accusation be removed from my name. However. I will not let this unfair matter stand and Chase ought to know that I have already retained an attorney and will if necessary hold Chase responsible and liable all damage i have incurred now And in the future Enclosed, please find the letter from Chase stating that they were closing my mothers account and a similar letter was received by me too. 

Also please find a letter from her Doctor stating that she is XXXX  XXXX. 

Thank you. 

XXXX XXXX
Consumer complaint received 2021-09-21
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have these accounts that are not mine and i want them to be removed. 


1. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-09-21
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: JPMORGAN CHASE & CO. (NY)

I have these accounts that are not mine and i want them to be removed. 


1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

3. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX Phone : XXXX Email : XXXX Social Security Number : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX PA XXXX Request for Removal of Fraudulent Late Payment Due to Identity Theft, Charge off Please Remove Late Payment Accounts Below XXXX - XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, IN XXXX XXXX Open date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Open date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX Open date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX Open date : XX/XX/XXXX Dear, XXXX, Equifax, XXXX I am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account. 

I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. According to 15USC CODE 1681 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ). 

Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 

Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

This morning, I was stunned to see inaccurate accounts listed on my credit report for no apparent reason. I regularly check my report, and this time, it had errors that seemed to come from nowhere. I refreshed my browser, thinking it might fix the issue, but the accounts were still there. Im really disappointed and want to ensure that the documents I sent are thoroughly checked so I can put this behind me once and for all.
Consumer complaint received 2022-08-12
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

I tried getting my student loans removed from my account, student loans according to title 15 they do not have permission to report my personal info. That's breaking the privacy law {$1000.00} violation FCDPA says a consumer can't owe a debt. If the law is here to protect me how can they ( CRA 'S ) keep violating a consumer???

15usc1681b no permissible purpose I need the documents that were physically signed in wet ink. 
It holds no value if it wasn't signed. Technically I never signed with XXXX  or know who they are. It is considered fraud unless they provide all original documents. 
After signing, 180 days following the loan is paid off which is a surety bond. 
Electric signature means the debt is not owed. PROOF OF DOCUMENTATION is a wet ink signature. THEY have to provide original letter of indebtness or remove. Proof of promissory note is the verification of owing the debt.
Consumer complaint received 2018-07-17
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. (FL)

XXXX account was transferred to XXXX XXXX XXXX XXXX XXXX XXXX card couldnt settle the account cause it was transferred to XXXX XXXX. XXXX XXXX took the payment and settled on this account. Was being reported as paid charge off on XX/XX/18 now on XX/XX/18 saying charge off again. Please update as paid charge off settled in full XXXX bal. XXXX # XXXX
Consumer complaint received 2021-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

To Whom It May Concern : This letter is to formally advise you that this debt was settled and a paid-for deletion was processed through XXXX XXXX. XXXX XXXX is a third-party collection agency that represented XXXX. This debt was paid in full for a full deletion through an associate by the name of XXXX. All phone calls were recorded and monitored through the company. I am asking for a full deletion off of my credit report. Attached is a report from XXXX.
Consumer complaint received 2021-09-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX has been sending me collection notices and constant phone calls, in the amount of {$1800.00}. The collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2020-11-17
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 tried to reach out to this company for 6 months ( since XX/XX/2020 ) and nothing has change regarding the student loan account on my credit. I do not owe any student loans nor do I owe a collection account. This information is wrong and should be removed from my credit. This has been on my credit for 9 years. If this information is not removed from my account I will take legal action.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.