davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-05-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

On XXXX XXXX I complained to Chase Bank for a fraud for XXXX dollars of which I was a victim on XXXX XXXX and that the Bank considered that there had been nothing illegal and therefore did not return my money.This day this complait was sent to the Chase Bank and on XX/XX/XXXX the Bank responded by denying the claim again.After several attempts I was able to speak with XXXX the person from the executive office who attended my case and later I spoke with the Deparment of Fraud below to Chase Bank and I obtained new information, on XX/XX/XXXX at XXXX XXXX they received a call from a XXXX to request an increase in the ceiling of my debit card terminated at XXXX to XXXX dollars to request the transactions that they needed, a supervisor asked him some personal questions that they answered and everything wes fine.My point is first that number I do not know and second that number is not credited to my account if the Bank had done things right would never have accepted the call because this number was not there in your file and called me to the phone number in your file, also it can easily be verified that it was not me who spoke by comparing the voices, I put all this in a letter I made to the claims department which I sent by fax on XX/XX/XXXX, and on XX/XX/XXXX I received a response with the same letter word by word that they sent me when the first rejection, which makes me think that they did not give the slightest importance, that is, the Bank already took their decision and this is immovable, of course they are not willing to lose those XXXX and prefer that I lose them being totally innocent.I hope thet someone does something correct and the justice will be restored.
Consumer complaint received 2022-09-29
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. (IL)

Ive identified accounts and inquiries on my consumer report as a result of identity theft. These items are not related to any transactions made by me. Ive tried to contact the companies directly to no avail. Attached you will find the FTC report, my consumer statement, and my identification proving my identity.
Consumer complaint received 2022-07-29
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

XXXX, XXXX, XXXX and Capitalone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX Investigation Request Letter Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Collection Account : XXXX, XXXX XXXX XXXX, Capital one Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Paid Account/Late Payments : XXXX, XXXX & XXXX XXXX Capital one Account Number : XXXX Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed. 
I also read where I can get the updated report after you investigate this from the Free Lawyer guy. I still have not received any updated credit report from your office. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-07-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

XX/XX/XXXX I applied for a {$700.00} dollar loan with the installments listed at {$160.00} bi-weekly and I would pay a total of XXXX after interest. I spoke with Ace Cash Express today and they told me the interest was 1000 %. Which I fully read the loan agreement and that was NOT a part of it. Furthermore, they never sent a copy of the original loan agreement. I had to ask for it and NOTHING was the same as what I signed originally. I know for a FACT they changed my documents afterwards to a 1000 % interest and now it says I would be paying them greater than than the {$1000.00} I originally knew I would be paying over time. They are XXXX consumers. To date, I have paid the {$1000.00} I agreed to in the original documents they have since altered. Please help!
Consumer complaint received 2021-05-26
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CITIBANK, N.A. (CA)

Citi has been harassing me with offers for a high interest loan product, Citi XXXX Loan. Over the past 6 months, I have contacted them 4 times asking them to CEASE sending me offers via, mail, email, and app. On the 3rd request, I let them know I would be contacting all relevant agencies if I received one more letter. I am contacting you for your assistance in having Citi cease sending me Citi Flex Loan offers, as they will not do so on their own volition. Thank you.
Consumer complaint received 2021-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me.
Consumer complaint received 2022-07-29
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. (AL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2018-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (FL)

I have a citi dividend world master card. They offer every quarter different categories of rewards. I registered for rewards from the period beginning XX/XX/XXXX to XX/XX/XXXX which offers a 5 % reward on all purchases from home improvement stores and Home Depot is mentioned specifically on their quarterly calendar. I purchased merchandise from Home Depot on XX/XX/XXXX in the amount of {$320.00} and another purchase from XXXX XXXX XXXX XXXX in the amount of {$230.00} on the same date. According to my calculations I should have received a total of {$27.00} in rewards for these purchases. My closing date on the credit card is around the XX/XX/XXXX of each month. When I checked my rewards balance they only gave me 1 %. 
When I called in to customer service at the telephone number listed at the back of the card which is XXXX after being put on hold for a long time and speaking to some outsourced service I was told that I purchased the merchandise from a warehouse which I definitely did not. I mentioned to them that I have the original receipts of both stores and that I walked into an actual and real home improvement store and physically bought the merchandise definitely not from a warehouse or online. The representatives at the card company seemed adamant and refused to listen to my side which I have the receipt with telephone numbers that can easily be verified where I bought the merchandise from. Just to set my mind at ease I then called the two improvement stores and asked to speak to the store managers. They confirmed that they were not registered as warehouses but were registered as home improvement stores.I then called the credit company again to inform them of the information I obtained from the store managers of the two stores.They refused to listen to my side and were adamant on their verson of these being warehouse purchases. I have in my possession all original receipts.
Consumer complaint received 2022-03-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CO)

In XX/XX/XXXX, I went to the XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Chase Bank location to create a joint account with my wife. I arrived approximately XXXX minutes before the bank closed and was told that I would have to come back because they were closing soon. I was upset because the bank was still open for another XXXX minutes. Nonetheless, I left and came back. The next time I came, they said that my wife had to be with me. On my third attempt, I came in with everything that I needed. I was teamed up with their XXXX XXXX, XXXX XXXX. After sitting down with XXXX, I told him that this was the third time that I had come in. He started laughing which bothered me a bit ( I didnt think it was funny ), but I said nothing. After that, he began to setup up my account while making small talk with me. I told him that I was not interested in the small talk and that I was upset that I had to come to the bank XXXX times to open this account, which should have been opened the first time that I came with my wife within business hours. After telling XXXX that I wanted the process to be as streamlined as possible, he said something along the lines of, " Listen friend ... ''. I told XXXX that we were not friends and that I just wanted to get my account open. XXXX then refused to open my account and kicked me out. Several days later, I tried to log into my Chase account, and it was closed. I called up and was told that my account was being closed, and they didn't have to tell me why. Soon after I received a check for my account balance amount. It is now XXXX, and I feel that my account was unfairly closed. Additionally, I have tried to apply for XXXX and Southwest cards and have been denied because they use Chase. I would like someone to remove the ban from my account and explain to me why it was closed in the first place. Prior to this event, I had been a long-time Chase customer, and I feel that they closed my account without a real reason. I think it was reasonable that after XXXX times of going to the bank, I didn't want to make small talk, and I just wanted to open my account as soon as possible.
Consumer complaint received 2022-07-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XXXX XX/XX/2011 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX  CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Consumer complaint received 2022-09-24
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)

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX 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 XXXXXXXX XXXX Balance : {$73.00} XXXX  XXXX XXXX Balance : {$82.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$5400.00} XXXX XXXX  XXXX Balance : {$2300.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX XXXXXXXX The results of their investigation did not produce the requested documentation therefore they ... XXXX XXXX XXXX have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715, 719. I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX account number XXXX for XXXX has violated my rights. 
XXXX XXXX XXXX account number XXXX for XXXX XXXX XXXX  15 U.S.C 1681 Section 602 A. states that i have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-09-24
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: FAIR COLLECTIONS & OUTSOURCING, INC. (OK)

I've identified information on all my reports that are a result of identity theft, these items are not related to any transactions completed by me. 

SEE ATTACHED
Consumer complaint received 2021-05-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mortgage Lenders Investment Trading Corp (FL)

RP Funding accounting of my escrow account continues to be erroneous. I am NOT asking for a recitation of all of the past matters. Fix the math. See attached escrow balance. There is an error of {$25.00} in the math of RP Funding. A full accounting of all payments is attached and below. 

Date Description Memo Payment Amount Escrow Balance BALANCE XX/XX/XXXX XXXX XX/XX/XXXX Opening Balance XXXX XXXX XX/XX/XXXX Escrow Funding from Closing XXXX XXXX XX/XX/XXXX Monthly Escrow Payment XXXX XXXX XX/XX/XXXX Monthly Escrow Payment XXXX XXXX XX/XX/XXXX Property And Casualty Payment Erroneous payment by RP Funding XXXX XXXX XX/XX/XXXX Monthly Escrow Payment XXXX XXXX XX/XX/XXXX Monthly Escrow Payment XXXX XXXX XX/XX/XXXX Monthly Escrow Payment XXXX XXXX XX/XX/XXXX Monthly Escrow Payment XXXX XXXX XX/XX/XXXX Monthly Escrow Payment XXXX XXXX XX/XX/XXXX Monthly Escrow Payment XXXX XXXX XX/XX/XXXX Monthly Escrow Payment XXXX XXXX BALANCE XX/XX/XXXX XXXX
Consumer complaint received 2021-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

To whom this may concern all 3 bureau XXXX, XXXX, and Equifax are reporting misleading and false information on my credit report. They are in violation of 15 usc 1681b ( a ) ( 2 ). Which states that a consumer reporting agency can only furnish a consumer report with my written instructions. I am seeking litigation for my rights being violated and the stress that all 3 bureau have caused. I demand any unauthorized misleading inquires and negative accounts that are negatively reporting on my credit report be removed. And all inaccurate late payments be correct to payed as agreed.
Consumer complaint received 2022-07-29
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. (AL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.