davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-21
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: JPMORGAN CHASE & CO. (WA)

on XX/XX/2023 I booked a flight from XXXX to XXXX ( start date XX/XX/2023 to return date XX/XX/2023 ) using my chase credit card reward points on chase travel web portal. Chase gave me the confirmed ticket and charged me XXXX $ ( including XXXX reward points ). next day I get a call from Chase bank saying that my ticket to XXXX is not confirmed by airline, asked me to call back to Chase travel assistance, I called the Chase travel assistance and they said : chase has not got the confirmation from one of the connected flight from XXXX to XXXX and I have to rebook the ticket by cancelling current ticket. but chase is not responsible to pay any extra cost to rebook the ticket. but the new ticket price has increased now. here chase gave me the confirmation ticket without getting the confirmation from airline, I asked the same to travel assistance, she said she can not help me here. She agreed that its chase 's mistake which provided me confirmed ticket without getting confirmation from airline.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Synovus Bank (MA)

I am writing to delete the following information in my file. The items I need delete are listed in the report. I am a victim of identity theft and did not make the charge. 


XXXX XXXX XXXX XXXXXXXX When the account was opened : XXXX XXXX Account Balance : {$6500.00} Account name : First Progress Card When the account was opened : XXXX XXXX Account Balance : {$300.00} Account name : XXXX XXXX  When the account was opened : XXXX XXXX ACCOUNT BALANCE : {$980.00} Account name : XXXX XXXX  When the account was opened : XXXX XXXX Account Balance : {$1000.00}
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I financed a car thru XXXX XXXX  XXXX as time went on XXXX XXXX XXXX  went out of business for conducting crooked business exactly the same time I around to pay off the car how ever this happened with the company going out of business the car was paid off and then transferred over so on my credit its says I never paid off the car when I did the car was fully paid off and the transferred to somewhere unknown even XXXX couldnt see where it was transferred I have contacted the company and they have no information if me at all but have a disposition on my credit report. This report needs to be updated as paid off or completely removed from my credit profile because it was transferred and no one knows where it was transferred to and now its showing as a collection on my credit report
Consumer complaint received 2023-06-08
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 have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.
Consumer complaint received 2022-07-01
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)

XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate.They never did a fair investigation according to the 15 USC 1681.

15 U.S.C 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through person interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to:15 U.S.C 1681 Section 602 A. States I have the right to privacy.

According to:15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not funish a account without my written instructions According to : 15 U.S.C 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.
Consumer complaint received 2023-01-06
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. (FL)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-30
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. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as equifax 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-01
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. (NY)

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 XXXX old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-11-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Conn's, Inc. (TX)

In XXXX of 2022 ( call recorded ), I contacted Conns Inc. to inquire about how they were reporting information on my credit report. Specifically, I asked Conns if they would report the alleged debt they said I owed a collections agency if a payment was not made, and the collections agency said that they would. After speaking to an attorney, he advised that because this account was included in bankruptcy they violated the injunction placed on the debt at the time of bankruptcy, and therefore violated federal law. He encouraged me to submit a CFPB complaint and is ready to take further action in the event that the demands made in this complaint are not satisfied.
Consumer complaint received 2019-02-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

I was enrolled at XXXX University for a total of 10 days. I am not a high school graduate therefore I did not understand the curriculum. After calling the admin at XXXX she stated no problem and I would not be charged. Now there is a federal student loan for {$9500.00} plus interest that I owe. First, I was informed that since I did not qualify to attend college with no Diploma and no Equivalent and unenrolled within 10 days, I would not be responsible for any charges. Second, I was never informed that the charge was {$9500.00} on two separate loans. After attempting to contact Navient, they refuse to help me get this resolved. Navient also states that I was enrolled at XXXX University XXXX ( Which I never attended ).  They have also reported me late several times to all credit reporting agencies which I don't understand and completely disagree with as the months I was reported late, I was under a deferment. Not only is Navient not looking into why I was charged {$950.00} a day on two separate loans but has also ruined my credit by reporting negative marks.
Consumer complaint received 2019-02-23
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: CITIBANK, N.A. (RI)

Pursuant to complaint number XXXX Citibank provided copies of statements that they had stopped delivering. The statements show that the card remained enrolled in the automatic payment program wherein the minimum payment should have been made each month. Citibank, for some reason stopped this in XXXX and that is in part how the account went delinquent. The other problem is that Citibank allowed and posted unauthorized charges in the amount of {$240.00} ( see below ) and charged three late fees ( which are because they stopped the automatic payment ) of {$27.00} on XX/XX/XXXX, {$38.00} on XX/XX/XXXX and {$38.00} on XX/XX/XXXX. The unauthorized charges ( which made the account go over limit ) are : XXXX on XXXX for {$21.00} XXXX XXXX XXXX on XX/XX/XXXX for {$19.00} XXXX XXXXXXXX on XX/XX/XXXX XXXX XXXX  {$45.00} XXXX on XX/XX/XXXX for {$24.00} XXXX XXXX on XX/XX/XXXX for {$48.00} XXXX  XXXX on XX/XX/XXXX for {$48.00} XXXX  XXXX on XX/XX/XXXX for {$9.00} XXXX  XXXX on XX/XX/XXXX for {$28.00} XXXX  Between the unauthorized charges of {$240.00} that sent the card over limit and the {$100.00} in late charges the total disputed amount is {$340.00}.
Consumer complaint received 2022-07-01
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. (CA)

XXXX Complaint - COMPLAINT ID XXXX / SUBMITTED ON XX/XX/2022 Equifax hasn't responded to my secondary email XXXX and phone XXXX. I still can't login on the myEquifax website. Please investigate this further CFPB. 

Equifax Disputes : XX/XX/2022 Case Number : XXXX / Case number created by XXXX and his Supervisor ID XXXX / XXXX / Spoke with several managers and supervisors they are still seeing issues on my login and under XXXX XXXX I'm unable to verify myself online due to Equifax. I already spoke with XXXX XXXX informed them about it.
Consumer complaint received 2022-07-01
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. (NJ)

In accordance with the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 : XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 15 U.S.C. 1681 FCRA section 602 ( a ) states I have the right to accuracy in reporting. 15 U.S.C. 1681b-a section 604 ( a ) section 2 states that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c ( a ) ( 5 ) states No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information other than records of convictions of crimes, they may only report crimes not debts which antedates the report by more than 7 years. 15 U.S.C. 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 the information is inaccurate.
Consumer complaint received 2022-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX with XXXX XXXX Date Opened XX/XX/XXXX Hello I am not sure if I checked the correct radio button or not, however we did a voluntary repo in XXXX, the company sold the car and never sent us any documentation, we however disputed on XXXX and equifax and it was removed from equifax but still showing on XXXX and XXXX. However here is the issue this company has charged off the account and yet they have consistently being charging late fees every single month in the amt of the car payment which has now amounted to over {$20000.00} and we owed them less than this so I am really confused how we can be paying late fees on a closed account.We are really in need of help to have this removed and have this company really looked into. For both myself and my husband XXXX XXXX. Can you please help me with this. It shows closed since XX/XX/XXXX and yet they have been charging late fees every month up until XX/XX/XXXX. Charged Off XX/XX/XXXX 2019
Consumer complaint received 2022-05-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. (KS)

Hello XXXX XXXX, My name is XXXX XXXX and I recently opened a citibank account online and transferred money into it from my local bank. I decided to purchase a home and initiated transfer yesterday ( XX/XX/22 ) for {$170000.00} minus the {$17.00} fee to a local title company. Today, my real estate agent texted me that the wire never arrived and when I called citibank customer service, I was hung up on twice and the third time she basically said that my account was blocked by fraud department and in the process of being closed. In the meantime, however, the title company has not received the funds for me the purchase the home and I need some answers. I have called FDIC, the office of the comp troller of currency and obviously they can not tell me where my money currently is. Please please help me. 
Can I please have some answers ASAP. 
Thank you. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2020-08-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I sent a letter about 60 days ago and the bureau is not in compliance. They are disregarding a regular consumer dispute. This has me stressed out, having sent letters before this and still no response.
Consumer complaint received 2022-12-30
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. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX as 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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.
Consumer complaint received 2022-06-30
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. (FL)

I am Disputing the following account for incorrectly and inaccurately reporting 5 late payments for this account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, and due to the FCRA law and My Rights I want the following account deleted from my credit report and credit file I have also included Proof of Payments Account Name : XXXX XXXX XXXX XXXX  account number XXXX account number : XXXX Balance : {$0.00}
Consumer complaint received 2023-11-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL (AL)

I have not supplied proof under the of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2019-02-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (NJ)

I experience problems and delays every year when it is time to recertify my income driven repayment of my loan with XXXX XXXX. This year, I submitted my recertification documents on or about XX/XX/19 and as of today, over one month later, I still receiving information that my information is not submitted. If this is not rectified by the end of this month, mu loans of nearly {$200000.00} will go into a standard repayment which I can not afford. I keep calling and speaking with different representatives that acknowledge they can see the information I submitted on their end and the process will be expedited, then I check the website and receive emails showing that my recertification can not be processed because it says they have not received the information which is not true. The processing at my XXXX is horrible. Eveything is delayed, including processing of payments and the annual recertification process.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2023-11-09
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. (PA)

This complaint to TRANSUNION for allowing fraudulent inquiries on my credit report. As I checked my recent credit report, the unauthorized hard inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX.