davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-14
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. (IL)

I've called TransUnion a hundred times and tried to get it to fix its system which did not allow me to make any disputes to anything on my credit report. TransUnion just gives the run around saying that I called the wrong department and that I need to call the " online department. '' But the representatives never give a number to that department, and the automated machine at the general numbers don't offer that option and hangs up on callers. I have had inaccuracies on my TransUnion credit report ( and only my TransUnion credit report ) for many months. I have spent hours, days, weeks, and months trying to get TransUnion to fix its system. I filed a complaint with CFPB several months ago about how TransUnion would not allow me to dispute anything. TransUnion said it was looking into the dispute which was an absolute lie. Even if it had actually been looking into resolving the dispute that I filed before it locked me out, it had been well over 60 days, and now, it has been hundreds of days. TransUnion has actively blocked me from making corrections to false claims on my credit report that have had real and serious impacts on my life even beyond all the time of mine it has wasted. XXXX fixed the inaccuracy in less than a day. It has taken over six frustrating months just to get the ability to file a dispute again after TransUnion messed up my credit report and locked my account. 

I only just today, after many months and countless hours, have had TransUnion remove the error code and allow me to dispute things on my credit report. Now, I will have to wait to see if my credit report issues will also be resolved with TransUnion.
Consumer complaint received 2022-05-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (FL)

I was surprised when reviewing my credit report and found a 30 day late payment reported for XX/XX/2021. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didnt reach me.
Consumer complaint received 2020-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NY)

Dear representatives of Consumer Financial Protection Bureau, I hope you are doing well in XXXX. I hope that you are healthy and safe from The Covid19Virus Pandemic. I'm writing to you because I would like to file a complaint against Chase United Airlines Mileage Plus Credit Card. A thief in XXXX XXXX stole my Chase credit card number last XX/XX/XXXX and bought food in a XXXX XXXX XXXX Food Restaurant located in XXXX, XXXX XXXX, XXXX. I have been trying to file y police report without any success because I don't have any cooperation from Chase I'm requesting my affidavit of fraud from Chase but they are not sending me the affidavit by mail or email even I requested this many times. The police in XXXX XXXX needs the affidavit of fraud from Chase in order to take my police report. 


They are not paying attention this serious matter. They are treating me without compassion and consideration to my stressful situation. Sometimes they are hanging the phone on me when I'm calling. I have been waiting for the affidavit of fraud to arrive by mail for almost 28 days. The thief is still outside and we don't know if he know other credit card numbers that belong to me or even to others. 

I will appreciate your help and cooperation in order to resolve this matter. 


Kind regards, XXXX XXXX XXXX
Consumer complaint received 2021-05-15
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: Santander Consumer USA Holdings Inc. (GA)

On XX/XX/XXXX XXXX Chrysler Capital added a derogatory mark on my credit report per XXXX XXXX. Upon further investigation, I have retained new copies of my credit reports, and noticed that Chrysler Capital did not furnish the credit bureaus with the required disclosure, within the period required by law. Chrysler Capital is required by federal law to place a notice of dispute on my account within 30 days of my dispute, which Chrysler Capital signed for on XX/XX/XXXX XXXX. I have retained a copy of there signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that Chrysler Capital has violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.
Consumer complaint received 2020-12-14
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. (IL)

Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!
Consumer complaint received 2022-12-15
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account ; XXXX # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (TN)

I have an inquiry on my Chexsystems report that I did not authorize. I am a victim of identity theft. The following inquiry was made without my knowledge or approval. 

XXXX XX/XX/2020
Consumer complaint received 2020-11-20
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: PORTFOLIO RECOVERY ASSOCIATES INC (UT)

To Whom it may concern. It appears that numerous violations of the Consumer Protection Act may have occurred in connection with a debt Portfolio Recovery Associates has purchased from a creditor and has attempted to collect from me. The violations are as follows : Portfolio Recovery Associates continues to report debt to the credit bureaus that is too old to report as prohibited by the Fair Credit Reporting Act. The purported debts day of first delinquency occurred more than 7.5 years ago. The tradeline should be removed from my credit report. 
Portfolio Recover Associates may have retaliated against me for exercising my rights under the Consumer Protection Act when I disputed the debt in accordance with the FCRA in 2019. When I disputed the debt for being too old with XXXX  in 2019, instead of removing the tradeline due to age, Portfolio Recovery Associates updated the report to extended the date the derogatory trade would stay on my credit report by an additional ~1.5 years without explanation.

Portfolio Recovery Associates continues to violate the Telephone Consumer Protection Act by contacting my cellular telephone with an automatic telephone dialer without my prior express consent. 
Portfolio Recovery Associates has violated the Fair Debt Collections Act by placing telephone calls to my telephone before XXXX local time. 
Portfolio Recovery Associates may be in violation of Regulation Z by reporting the debt as late every month to the Bureaus without providing periodic statements within 21 days before payment is due.
Consumer complaint received 2022-10-26
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. (CA)

I XXXX XXXX have tried multiple times for the past XXXX months to dispute some inaccurate information on my credit report with all three credit bureaus and none of have tired to help me with my issue and I am getting completely fed up with it because none of the bureaus are being compliant with federal law or even following their own policies written on their website. 

I talked to an attorney and he said that there are certain laws that the credit reporting agencies have to follow in order to be compliant with federal law. He told me that one of the things they must do when an item is disputed on a credit report is that they must temporarily delete it while it is under investigation and ALL THREE bureaus failed to do that! Not once has anything disputed been deleted during the investigation. Also he said that they must have my permission to report or furnish anything that is on my report, and I never once gave any of the bureaus any permission to report any of the items I have disputed over the past 6 months. In fact I blatantly told them to delete the information. The attorney said the section of federal law that describes this is called permissible purpose He also stated that in order for them to do a proper investigation to my didputes they must inverview my friends neighbors and relatives and well as my mode of living. I asked all of my neighbors if anyone has had any contact with them in regards to my credit report and none of them have heard a thing! 

I was unable to hire the attorney but he did lead me to you the CFPB to help me out with my issues, so I ask that you please help me enforce my rights as a federally protected consumer and as well as to make sure and enforced that the credit bureaus are following federal law as well as their own policies that they have on their own website.
Consumer complaint received 2022-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Upgrade, Inc. (NJ)

I made a payment of {$4000.00} to my upgrade account using my XXXX  XXXX XXXX checking account. I woke up this morning and it was pulled from an unverified account XXXX XXXX  on my account. How is this possible if I was told by XXXX in the customer advocacy team I cant make payments using that account until I sent a statement of recent use and it even shows unverified the account. This caused problems with my checking account. I called XXXX and the representative XXXX was nasty like always. When I had an open case before I got her and asked to switch which is how I got XXXX because of how nasty she is. Today she refused to help me or even pass my information to XXXX or let me speak to her manager XXXX. The service with this company is a disgrace. It became a joke to XXXX when I kept calling back to ask for her supervisor and she kept allowing the call to escalate instead of trying to deescalate it. I even advised her XXXX told me to give her a call back if there was any problems with this issue. XXXX advised me to put this complaint in and I shouldnt be talking to that department. Unreal how rude and belligerent she was. I told her if she wasnt happy at her job she should get a new one. I find it hard to believe she is the front line in a sensitive department like that!!! I would like a call back asap!!!
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act, 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. secondly, I have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report.

Incorrect credit reporting, I have an account that is not correctly reported.

Account Name : XXXX XXXX XXXX Account number : XXXX You have this account balance as {$25000.00} but the current account balance is {$24000.00} I have attached a screenshot of this account information below
Consumer complaint received 2022-01-13
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. (TX)

I have been waiting for investigation updates or results since XX/XX/2021. It has been more than 30 days and nothing yet. There is inaccurate information reported on my credit and I have tried on several occasions last year to fix these errors with no luck. Now they aren't even responding to me. Please help!
Consumer complaint received 2022-02-03
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. (OR)

To whom it May Concern : I recently received a copy of my XXXX, TransUnion XXXX XXXX credit reports, and I noticed some late payments posted on my credit report XXXX U.S. Department Of Education- XXXX XXXX XXXX U.S. Department Of Education- XXXX XXXX XXXX XXXX Department Of EducationXXXX XXXX XXXX XXXX U.S. Department Of EducationXXXX XXXX XXXX XXXX XXXX Department Of Education- Account XXXX XXXX U.S. Department Of EducationXXXX XXXX XXXX XXXX U.S. Department Of Education- XXXX XXXX XXXX U.S. Department Of EducationXXXX XXXX XXXX XXXX DEP OF EDXXXX XXXX XXXX XXXX DEP OF ED/XXXX XXXX XXXX* DEP OF EDXXXX XXXX XXXX XXXX DEP OF EDXXXX XXXX XXXX XXXX DEP OF EDXXXX XXXX XXXX XXXX DEP OF ED/XXXX XXXX XXXX XXXX DEP OF EDXXXX XXXX XXXX XXXX DEP OF EDXXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement Of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2020-11-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc. (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against FRANKLIN COLLECTIONS. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Consumer complaint received 2020-11-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Account was paid and closed. No further credit limit increases and or additional fees were authorized. When reaching out earlier this year to discuss this matter and to explain how Covid-19 is affecting everyone, the lady stated she was sorry and I did not have any options. The balance history and current balance are incorrect. This has done a significant amount of damage to my credit score and ultimately has affected my ability to live comfortably including finding a home for my family and I to live in during these unprecedented times. In addition to the inaccuracy of this debt, my social security number does not match the company records being reported and states there is an error when proceeding with this complaint. I hired services to investigate information located within all three credit bureaus and was notified there is an unknown social security number, misspellings of my full name and addresses that I am not nor have ever been associated with.
Consumer complaint received 2020-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (FL)

XX/XX/2020 there were funds available to take out {$100.00} when there were funds available and it shows pending and deducted out of the account then a day later our light hit the account which went in and made it negative which is fine but they charged to {$36.00} overdraft fee.This has happened numerous occasions when fund show deducted and pending.We use there courtesy pay but they charge {$36.00} for every pending sale transaction when after funds are deducted and we use courtesy pay sometime as high almost {$300.00} when overdraft fees.BB and T is the name of the bank
Consumer complaint received 2022-05-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

On XX/XX/XXXX, I received a notification that a collection account had been added to my credit report. The company is IC Systems, and according to my credit report, the alleged company they are collecting on behalf of is XXXX. Over the past 12 months, this account has appeared on my credit report under several collection companies, including XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. It appears that these are some sort of junk debt buyers, and each time that I request debt validation they were unable to verify the account as belonging to me and subsequently deleted the accounts from my credit reports. I have contacted XXXX several times regarding this, but apparently this error has not been fixed. I filed a complaint against XXXX with my Attorney General and the FCC on XX/XX/XXXX regarding this matter. Furthermore, as far as this IC Systems account listed on my credit report, they have violated the Fair Credit Reporting Act by placing this erroneous, frivolous account on my credit report. I did not receive notice via mail regarding this account before it was placed on my credit report, nor did they provide validation of the account. So again, this is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that IC Systems offices provide me with competent evidence that I have any legal obligation to pay them. At this time I will also inform IC Systems that if their office continues to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if this negative mark continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against them and XXXX for the following : Violation of the Fair Debt Collection Practices Act Defamation of Character This is a request for validation made pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2020-11-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against COMMONWEALTH. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Consumer complaint received 2020-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

AFTER REVIEWING MY CREDIT FILE I HAVE FOUND SOME DEROGATORY ACCOUNTS AND INQUIRIES LISTED ON MY CREDIT FILE THAT DOES NOT BELONG TO ME. THE DEROGATORY ACCOUNTS AND INQUIRIES HAVE CAUSED A HUGE DROP IN MY CREDIT SCORE AND IT IS VERY FRUSTRATING BECAUSE I HAVE NO IDEA OF HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT FILE. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.