davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-16
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: EQUIFAX, INC. (GA)

Equifax is refusing to remove the following account from my credit file. According to Equifax, they can not verify my identity, which is clearly a stall tactic because the address on my file, is the same address they have used for communications with me. Also less than 60 days ago I provided Equifax with documentation of my address and identification documents. This account needs to be PERMANTELY DELETED ASAP. It is NOT my account and the company has already responded that they have sent a letter to the 3 credit bureaus requesting deletion from my credit file. The company responded 30+ days ago, yet Equifax is stalling to delete this frivolous incorrect information from my consumer credit file. Not only is this a blatant violation of my consumer rights, but it is damaging my financial reputation. 

Account in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, 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 2022-07-16
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: BARCLAYS BANK DELAWARE (DE)

On an XXXX XXXX flight in XX/XX/2022, the flight attendant gave out information about a Barclays XXXX Credit Card with a XXXX XXXX bonus introductory offer if a purchase was made with the card. I opened the account and made the first purchase on XX/XX/2022. My account shows that I made the purchase and qualify for the XXXX bonus miles that would be credited into my account within 4-6 weeks. The time passed and the miles were not credited. Early XXXX I contacted Barclays and was told to wait until the next billing cycle. On XX/XX/XXXX, after my second contact they opened a case to look into the issue. I have spoken on the phone to customer support multiple times, I have been in email communication and even over XXXX XXXX with Barclays who keeps telling me to be patient and that in the next billing cycle I should be credited the rewards. I was using the card regularly with on time payments every month. It has been 5 months and 5 billing cycles and the XXXX miles have not been credited. I believe this is a bait and switch. They enticed me to open the card. I have used the card spending at least {$20.00} XXXX in the last 5 months and while the monthly miles have credited to my account, the XXXX k miles introductory offer has not.
Consumer complaint received 2023-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CT)

I am writing to inform you about a dispute involving a banking institution that requires your assistance. I seek your guidance and intervention in resolving the matter expeditiously. 

On XX/XX/2023, I had an unfortunate experience with Chase Bank, which has prompted me to bring this issue to your attention. The incident in question pertains to unauthorized charges on my account after payment was rendered in cash to a business. I provided proof to Chase bank that this transaction was paid in cash, and my debit card should have not been charged double. This situation has caused significant inconvenience and financial hardship, compelling me to seek a resolution through your esteemed organization. 

Despite my repeated attempts to address this matter directly with the bank, I have not received a satisfactory response or a timely resolution. I firmly believe that my concerns have not been adequately acknowledged nor diligently investigated by Chase Bank. Therefore, I kindly request your intervention to ensure a fair and impartial review of the situation. 

To provide you with a comprehensive understanding of the issue, I have enclosed the necessary supporting documentation, including copies of relevant bank statements, communication records, and any other pertinent documents that will aid in a thorough examination. I trust this information will assist in a prompt and fair assessment of the matter. 

Given the circumstances, I kindly request your immediate attention to this dispute. I sincerely hope that your intervention will facilitate a fair and just resolution for all parties involved. I have confidence in the abilities and expertise of the Consumer Financial Protection Bureau ( CFPB ) in handling such issues, and I believe your intervention will restore trust and rectify the situation appropriately. 


Thank you for your time and consideration. 

Yours sincerely, XXXX XXXX
Consumer complaint received 2023-07-20
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. (MI)

Transunion credit bureau has violated the FCRA AND CONSUMER LAWS by never deleting inaccurate ; multiple wrong last active dates, wrong amounts, wrong status, wrong opening date wrong date of last payment, and EVEN UPDATED CHARGE OFF STATUS ACTIVELY EVERY MONTH! LAST ACTIVE DATES ARE GROSSLY INCORRECT AND EVEN ACCOUNT TYPE. 
I have corresponded and begged for 4 months and they continue to ignore all of the proof I have attached here. 
Transunion has continued to report these false items as true on my credit report instead of deleting these numerous accounts as the laws state. 
XXXX XXXX  accounts XXXX  XXXX accounts and XXXX XXXX  WHICH HAS BEEN PAID TO XXXX ON XX/XX/23 This continues to destroy my interest rates, ability to have a vehicle, or buy a house on my fixed income of XXXX I need the credit to be correct and its only right to do so.
Consumer complaint received 2023-07-19
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 (GA)

I want to emphasize that I have not applied for any credit or services offered this company nor have I granted permission for them to access my credit information. Therefore, the inquiry ( s ) made by this company are unauthorized and potentially damaging to my credit score and financial reputation.
Consumer complaint received 2023-07-19
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I want to emphasize that I have not applied for any credit or services offered this company nor have I granted permission for them to access my credit information. Therefore, the inquiry ( s ) made by this company are unauthorized and potentially damaging to my credit score and financial reputation.
Consumer complaint received 2023-11-06
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. (VA)

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 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 2021-12-07
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. (MI)

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX  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 XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2020-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Sarma (TX)

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, Broker/Realtor, XXXX : XXXX The above mentioned company has listed a fraudulent debt with collection agency SARMA ( XXXX XXXX Retail Merchants ) on all three credit bureaus. I have been trying for over 30 days to get them to remove fraudulent debt and have sent letter to SARMA to provide a copy of the NSF check they are reporting, which when contacted by credit bureaus have changed to a loan of {$2000.00}. I have NEVER written a check to that company, I have NEVER entered into contract with XXXX  XXXX XXXX. Every time I " dispute '' via Credit Bureaus SARMAXXXX XXXX XXXX changes type of debt. They have yet to provide any time of proof for an NSF check or coy of an executed contract to date. These people are clearly conducting illegal and fraudulent business in XXXX XXXX. 

There are plenty of complaints from people throughout XXXX XXXX who are dealing with these people via HUD Section 8 housing, but because they have over 200 homes within the system ... all complaints fall on deaf ears. ( I was not within this program, and have NEVER conducted business with XXXX XXXXXXXX XXXX. ) XXXX XXXX, Broker/Realtor, # XXXX, Telephone XXXX, Email : XXXX, Website : XXXX : XXXX
Consumer complaint received 2023-07-20
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: Experian Information Solutions Inc. (SC)

In accordance with the fair credit reporting act this creditor violated my rights under 15 USC 1681 section 602 states, I have the right to privacy. 15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-07-20
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: Experian Information Solutions Inc. (NJ)

I RECEIVED MY CREDIT REPORT ON XX/XX/XXXX XXXX AND NOTICE THERE WERE HARD INQUIRIES THAT DONT HAVE PERMISSIBLE PURPOSE TO BE ON THERE .THESE HARD INQUIRIES ARE HURTING ME FOR GETTING APPROVED. I ALREADY REACHED OUT TO THE CREDIT BUREAUS ABOUT THIS MULTIPLE TIME THEY KEEP VIOLATION MY RIGT UNDER 15 USC 168. I ALSO HAVE ATTACHED. THE HARD INQUIRIES THA DONT HAVE NO PURPOSE TO BE ON MY REPORT
Consumer complaint received 2022-09-03
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. (IL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX XXXX  XXXX XXXX Balance : {$19000.00} ; XXXX XXXX XXXX XXXX Balance : {$930.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$330.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} ; DXXXX XXXX XXXX XXXX XXXX : {$450.00}
Consumer complaint received 2022-07-17
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. (GA)

In accordance with the Fair Credit Reporting Act, XXXX Account number XXXX XXXX  Account number XXXX XXXX XXXX  Account number ( XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX  Account number XXXX XXXX Account number XXXX XXXX XXXX  Account number XXXXXXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX number XXXX XXXX Account number XXXX XXXX XXXX  Account number XXXX XXXX XXXX  Account number XXXX XXXX have 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 1, states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-07-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

My debt is regarding a " Cleaning Fee '' in the amount of {$490.00} USD that is apparently owed due to my move-out. However nowhere in my lease contract states such cleaning fee or amount. I would have taken that in mind before even signing the lease, and make my own decision on to move in or not. I turned in my Move-out letter accordingly 60 days early as I was not renewing my lease. My Lease contract ended in XX/XX/XXXX, and I left the apartment in the same condition I moved-in. I'm a student and I had very little pieces of furniture. After receiving emails about the amount owed which at first was in the full amount of {$660.00} USD. I contacted the credit agency and asked what the fees were exactly. They weren't unable to tell me because they were waiting for a document to be submitted to them from the Apartment Complex. I contacted the apartment complex, and they weren't aware of anything. I called the Debt agency again because they had promised me they were going to once they received the itemized charges. They finally sent me a link were I was able to sign up and see what the charges were. I told them how outrageous and how there was no way I was going to pay some " cleaning fee '' when I know how I left the apartment. Also, taking in mind how the contract never disclosed such fee when you move out. I agreed to pay the other charges because they made sense to me, since on my last month living there my rent seemed to be a smaller amount that what I was usually paying monthly. So I went and gave them my credit card number and paid the other fees, which were mainly for Amenity fee {$0.00} USD, pest control {$7.00} USD, tenant rent {$61.00} USD, utilities admin chargeback {$12.00} USD, trash recovery {$11.00} USD, valet waste {$1.00} USD, sewer recovery {$23.00} USD, and water recovery {$50.00} USD. totaling {$160.00} USD paid on XX/XX/XXXX. I kept telling them that I was disputing the {$490.00} USD " Cleaning Fee '', because that was not part of the contract, and also because I left the apartment in the same cleaned condition I moved in to. I have contacted the Debt agency and they aren't able to do anything to make this right.
Consumer complaint received 2022-07-16
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. (MD)

In accordance with the Fair Credit Reporting act XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (CA)

They put a promotion for my citi card is XXXX without any authorization they put XXXX interest on the card I asked them why did they added it and they told me a promotion that I never requested or signed for I asked for proof saying that i requested the promotion but they were denying me i wat to resolve this problem because there interest is too much for me I need a solution thank you
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I have a settlement with XXXX XXXX XXXX dated XX/XX/2022. Where they agreed to show the account ( XXXX ) in dispute as paid in full as agreed, and inform all credit agencies of the updated status of the account. In return I would drop my lawsuit against said company. In the agreement XXXX said they would have this done in no more than ( 60 ) days. It as been over a year and all credit agencies are still showing the account. As charge off with a XXXX balance and last payment. I have tried to contact Equifax, XXXX, XXXX by phone and Im told theyre not able to verify my identity. Ive sent several letters via the post office explaining Im as victim of identity along with police reports FTC identity theft report. My ID, SSN card and most recent bill and still they say they not blocked or removed the incorrect information.
Consumer complaint received 2020-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (CA)

I recently conducted a balance transfer to my new citibank card from XXXX in the amount of XXXX. Since this maxed out my citibank card, it significantly lowered my fico score from XXXX to XXXX. I was floored so I decided to just pay off the citicard in it's entirety to restore my fico score. That apparently did not sit well with Citibank so they took my {$12000.00} plus another {$300.00} balance transfer fee totaling {$12000.00} payment on XX/XX/2020, but will not apply it until XX/XX/2020. The excuse they gave me was that my account was too new so they put a hold on the payment and my money. That's {$12000.00} of my money out of my checking account where I have no access to it and it's hasn't been applied to pay my balance! I should not be punished for deciding to pay off my credit card early. I have reached citibank representatives two times but they refused to provide a satisfactory solution. They also refused to provide the phone number of the citibank executive office so I could submit a complaint. Lastly, I feel that I received disparate treatment because of my XXXX surname since I was given a lower than normal credit limit. I also questioned this, but they said that they could not help until after 6 months. I am very disappointed with the way I've been treated by Citibank.
Consumer complaint received 2020-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: DISCOVER BANK (NC)

Back in XXXX I rented a car from XXXX XXXX XXXX XXXX my total was XXXX with a deposit hold of XXXX as seen in the attached receipt. I returned the car as stated in the contract. However, the rental car company is trying to overcharge me XXXX and XXXX dollars in two separate transactions. When I called the rental car company they advised me to call my credit card company which is XXXX. I filled a dispute with them and they refuse to assist in getting the money from the merchant. I just want to be charged the stated amount in the receipt which is all I should owe.
Consumer complaint received 2023-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I am writing to file a complaint against Capital One regarding their refusal to refund fraudulent charges on my credit card accounts. I added my cousin as an authorized user in good faith, but he abused this privilege and made extensive fraudulent purchases, incurring {$42000.00} on the Venture card and {$44000.00} on the XXXX card. When I disputed these transactions, Capital One denied any refund, claiming that I am fully liable for the charges. I believe that Capital One 's negligence and failure to protect me from this clear fraud is a violation of consumer protection regulations, including the Electronic Fund Transfer Act and Regulation E.
Consumer complaint received 2023-07-20
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. (MD)

I asked the credit reporting agencies ( XXXX, Equifax, XXXX ) to show me the original contract in agreement to a XXXX XXXX. I wanted the original contract with my name on it yet I haven't received anything besides letters telling me the account was validated. I have attempted this 3 times over the past 6 months.