davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2023-07-28
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. (MO)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-07-28
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. (PA)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2020-08-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/2020, I received a promotional offer from JP Morgan Chase via email saying that if I open a new Savings account with them by XX/XX/2020 and deposit {$15000.00} within 20 business days and keep it for 90 days, I will get {$220.00}. The email asked me to go to a branch to open the account. I went to a Chase branch and tried to open the account but they asked me for additional documents I didn't bring at that time so couldn't open the account. As a XXXX XXXX XXXX during COVID time, I was too busy to go to the branch again so I contacted Chase via their secured message system to see if there's any online link for opening the account. I was told that I can go ahead and open the account and as long as there's a bonus offer ongoing, I will get the bonus. They also told me that only if an offer is provided by a branch, I have to go to the branch to open it. Since I got my offer by the email from Chase, not a branch, I decided to open my account online. I opened the account on XX/XX/2020, deposited {$15000.00} on XX/XX/2020 and kept there for more than 90 days and withdrew the balance on XX/XX/2020. They never paid me my {$220.00} offer so I contacted them via phone, secured message and they are refusing to pay me the offer. They said and I quote " XXXX, our records show that the coupon code you provided has already expired on XX/XX/2020. Hence, it can't be applied to your account. '' although I already told them several times that I opened the account when the coupon code was in effect and followed all their instructions but I haven't got my bonus. So, I would like to ask cfpb to make it fair for me and ask Chase to give me the {$220.00} bonus offer that I deserve. Please see the attached documents for more details as well. Thank you.
Consumer complaint received 2023-07-28
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 2023-07-28
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)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX , XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX ;  XXXX XXXXL XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$68.00} ; XXXX  XXXX XXXX Balance : {$26.00} ; XXXX  XXXX XXXX Balance : {$36.00} ; XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX ) XXXXBalance : {$470.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$450.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$880.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  ) XXXX Balance : {$7500.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX  XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; DEPT OF EDXXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-11-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (TX)

Shellpoint Mortgage placed forced order insurance on my account amd added an escrow account to my loan upon the transfer of my mortgage to their company. I contacted them immediately to advise I pay my own insurance and sent them proof. They confirmed it was received and have refused to correct the issue since their knowledge of it in XX/XX/year>. They are now reporting me delinquent, and I am in danger of foreclosure.
Consumer complaint received 2024-11-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: U.S. BANCORP (CA)

Applied for a loan in around XXXX of this year. Found a company that turned out to be a scam. That company managed to get access to my US Bank checking account and therefore to all of my personal information. After doing so they " added '' {$1000.00} into my checking account in the form of provisional credits from US Bank that scamers themselves applied for after gaining access to my bank account. Then the scamers asked me to send {$1000.00} by XXXX to a fake person who was supposedly in charge of my loan 's insurance that i would be required to obtain in case of financial default. As a result those fake but real provisional credits were reversed back by US Bank into real money which overdrawn my account and added {$1000.00} debt that I have to deal with now.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MD)

The ( 3 ) major credit reporting agencies throttle credit reporting updates that would result in a favorable outcome, or increase in your overall credit score. I opened ( 2 ) new tradelines ; both of which have been reported to all ( 3 ) credit reporting agencies. I have had these tradelines for 90 days. Ironically, all ( 3 ) credit reporting agencies seem provide updates that have a negative impact on my credit score within the same time period that they received the update of my new tradelines. They have reported increased utilization on tradeline, and an over the limit update to another tradeline however, they wont report my new tradelines. Are credit reporting agencies allowed to withhold credit updates that have a favorable impact to a consumer, while reporting unfavorable updates which would result in a decrease in my credit score? I have a very specific example of this over the last 90 days and I need assistance with uncovering the reporting delay of favorable updates that would result in an increased in my credit score. It is if they are conspiring with the creditors and banks to slowly report updates that would give consumers better rates which subsequently reduces the profit margin for loans to said consumer. 

One of the two new tradelines is from XXXXXXXX XXXX XXXX. 

I am in the process of seeking legal guidance and representation against the credit reporting agencies. It is absolutely absurd that they are given this much latitude to have a reporting protocol that is unfair and has an adverse impact to the consumer and their credit options. Withholding favorable updates is a pattern that I am sure that many other consumers have experienced.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I checked my Equifax Credit Monitoring App and discovered inquiries that were not mine and unauthorized These inquiries were from the following companies : - XXXX, XXXX, inquiry date : XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX inquiry XXXX XXXX XX/XX/XXXX -Factual Data, inquiry date : XX/XX/XXXX XXXX XXXX inquiry date : XX/XX/XXXX
Consumer complaint received 2024-10-29
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. (TX)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on this account that in fact was paid on time, as agreed. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached two screenshots on the following dates ( XX/XX/year> & XX/XX/year> ) of my report to this complaint for documentation. I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated to " Paid on Time '' immediately. Thank you for your cooperation and understanding of this matter.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (TX)

This complaint is submitted with full intention and accuracyplease treat it with the seriousness it deserves. I am reaching out to file a formal complaint regarding the inaccurate reporting of multiple late payments by CBNA to the credit bureaus. Several payments have been falsely marked as late in their records, even though they were made on time. Despite this, the incorrect information remains on my credit report, unfairly damaging my credit score and reputation.
Consumer complaint received 2020-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (TX)

On or about XXXX XX/XX/2020 I had to travel to XXXX for personal emergency XXXX Father in XXXX passed away ). I was going from XXXX XXXX XXXX XXXX TX XXXX to XXXX XXXX New Jersey ) to XXXX. I used my credit card for buying some food at XXXX and XXXX. 
It seems that there was a XXXX vending machine which might have done some dummy {$10.00} transactions ( 3 in number ) and none of them were successful. As it is XXXX and personal emergency plus being in XXXX ( away ) from USA - I have no way to contact Citi Master card. I am having this card for at least 5+ years. 
Later I saw that Citi Master card reached out to me and expected to do the dispute for this authorization kind of charges from XXXX. It was expected that if i want to dispute them - I am forced with a new credit card being delivered to my USA address XXXX XXXX TX ). For me it is unacceptable to get a replacement card in USA- I just wanted to continue the services with this little inconvenience ( may be {$30.00} kind of 3 charges of {$10.00} each from XXXX XXXX rather than getting a replacement card being sent to my USA address and I am not having any credit card in XXXX as I am not sure how long I am here in XXXX now ( 3 weeks or 2 months ). 

What i am seeing is that Citi master card blocked my account access. This block means blocking Citi master card as well as Costco Citi visa card. My family is still in USA and they have mine Citi Costco VISA card for costco and other purchases. 

This is so ridiculous that Citi want me to call them in USA ( i can't make international calls ) and go thru some useless IVR/Robot to get nothing out of it. 
Why can't Citi upgrade their Artificial intelligence and machine learning algorithms to do better fraud detection. If a person made some other transactions in that place - why some other failed transactions is an issue.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to inform you that I am a victim of identity theft. My personal information was compromised in a recent data breach, and as a result, unauthorized accounts and inquiries have been placed on my credit report without my consent. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting that you block and delete all fraudulent accounts and related information from my credit file.

The account and inquiries that I believe to be fraudulent are as follows : Account : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

Outstanding Compliance Issues :
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
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. (RI)

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 2020-08-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A. (CA)

On XX/XX/20 I received a letter from Citibank telling me that I have opened a checking and savings account. I have never opened a checking or savings account with them and I only hold a credit card account with Citibank. 
I immediately called them to report it and was told that they will investigate the issue. 
I still have not received any updates as to why the account was still open and active. I even got the debit card and the checks in the mail. I called XXXX to let them know that I got those items and that the accounts are fraud and I wanted it closed.
Consumer complaint received 2023-06-09
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. (PA)

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 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.