davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX  - Account Number : XXXX Account Name : XXXX - Account Number : XXXX  Account Name : XXXX XXXX XXXX - Account Number : XXXX
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX  Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number XXXX XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number XXXX XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX  - Account Number : XXXX Account Name XXXX XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2018-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (FL)

Ref : XXXX I applied for the XXXX prime credit card by chase on XX/XX/XXXX. On XX/XX/XXXX I received a phone call from Chase requesting for verification of my application, after a few personal questions I was told my account was approved. When I hung up, I received an immediate call back within a mater of minutes advised this application is in review and I will receive a letter in the mail with the final decision. 

Today, XX/XX/XXXX I received a letter that states i have been denied due to having too many requests/opened accounts with chase. I recently applied two days before for an account which I was recently approved for with a {$5200.00} credit limit. 

I find this response to be biased and not true. I would like to have Chase reconsider this since I am a responsible consumer who pays for his debt on time and use it responsibly. 

I am a prime member with XXXX for over 10 years and would find it valuable to have this account due to my yearly expenditure with XXXX.
Consumer complaint received 2024-10-16
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. (IL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-09-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: NAVY FEDERAL CREDIT UNION (VA)

I called in today in regards to garnished wages. They had not attempted to contact me at all since XXXX of this year. 

I called at XXXX on XX/XX/XXXX in an attempt to figure out what was going on and why this happened without any notification prior. The man on the phone was talking down to me and so I made a comment on how I get parts of his job XXXX be XXXX but I get it and XXXX just trying to get information. When he got XXXX, I asked to speak to a XXXX and he said yeah okay, go do ya and when I asked him what he said, he said oh I said Ill get a XXXX. 

When I spoke to the XXXX and told him his employee basically told me to XXXX myself, he said no he didnt and immediately got XXXX  and XXXX  with me. He chose to talk down to me again stating that he told me do ya. When I confronted the meaning he continued being XXXX  until we changed subjects. 

This company is incredibly XXXX. They have XXXX  me with legal action, they have threaten to garnish my wages, they lied to me about what would happen if I did not show up at judgement. 

This is a bad and negligible company who did not even attempt communication with me until they wanted to garnish my wages. I didnt even know who they were until judgement.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (AZ)

WF credit card services have been extremely difficult to work with despite their previous promises to " work with me '' to get this card paid off. The rep, XXXX, who I was working with has failed to return any of my messages and every time I call in, the supervisors are in meetings or office line. I have tried for months to find an amicable solutions and despite their hyperbole they have not met that expectation. They have shown incompetence, greed and unwillingness to compromise.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

I have never validated or correctly reported my credit history or the following information. Therefore, I will exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be permanently rectified immediately. I also need you to investigate the origins of each account and guarantee that each creditor has a legitimate basis for all queries on my credit record. 

Your agency is in violation! 
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 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXXXX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists 7 Separate fraudulent accounts appearing on my consumer FICO report which i do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a XXXX XXXX XXXX XXXX account opened : XX/XX/XXXX, under account number : XXXX, XXXX $ XXXX.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2019-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (AZ)

On or around XX/XX/XXXX Citi Card ( Thank you Card ) sent my bank an e-bill of {$2600.00} when my balance was only around {$610.00} and some changes, on XX/XX/XXXX I've contacted my bank and was told Citibank sent them an e-bill ( electronic request ) for the amount of {$2600.00}. After that I contacted Citi Card customer service, and requested the refund, I was told it would help in 3 to 5 days, I made clear that money was allocated for other bills and needed it ASAP, they said they would expedite it, but nothing happened. 
I have called 4 more times, phone call and electronic calls ( chat services ), nothing happened, and finally today, once again I was told it will take 3 to 5 days.

This is a business relationship, I pay fees if I'm late, i pay interest on balances, this is not a family or friend favor. 
They have been misleading and about the process, always excuses and never a solution.
Consumer complaint received 2024-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (AZ)

On XX/XX/XXXX I used XXXX to transfer {$160.00} from An outside financial institution to my Navy federal account. On XX/XX/XXXX, I was suppose to get my direct deposit from my employer but I didnt. I then transferred over an additional {$330.00} through XXXX because I knew I have my XXXX  XXXX payment of {$200.00} coming through and I have not received my direct deposit. I monitored and screen recorded my account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and there was no deposit. On XX/XX/XXXX at XXXX XXXX I received my weekly direct deposit. I received an over draft fee due to navy federal holding my direct deposit. Every week the post that they deposit my money on XXXX when in fact they hold it until XXXX When they do that, they reject my payments FIRST then charge me a NSF fee then deposit my money. They keep doing illegal practices and I keep getting penalized because of it. I called on XXXX XXXX XXXX XXXX XXXX, to speak to a supervisor who in return tried to make it look like I was causing a confrontation. She did not answer my questions and asked me a passive aggressive question before looking at my account and said well how are you keeping track of your expenses. I then told her she was being passive aggressive and not answering my questions of why navy federal keeps falsifying documentation stating they pay me on XXXX when in fact I do not receive it until XXXX She then responded and said I was being confrontational and trying to pit her against other supervisors. She then kept arguing with me so I ended the call. I called back and another supervisor was able to give me back my {$29.00} fee but could not explain why they keep falsifying my direct deposit dates.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

This complaint is my own, regarding late payments on my credit record. I've found these late payments after checking my records. I sent letters about this over 30 days ago, but got no response or proper validation. I need your help to solve this quickly and effectively.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NAVY FEDERAL CREDIT UNION (MO)

I am writing to dispute inaccurate information that is currently being reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), credit reporting agencies are required to ensure the maximum possible accuracy of the information provided in consumer reports. 

The account in question is : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Type : Credit card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Account charged off. {$3000.00} written off. {$3000.00} past due as of XX/XX/XXXX. 

Status Updated : XX/XX/XXXX Balance : {$3000.00} Balance Updated : XX/XX/XXXX Recent Payment : N/A Credit Limit XXXX {$2900.00} Highest Balance : {$3000.00} On Record Until : XX/XX/XXXX There are also inconsistencies in the payment history for this account, which I believe are inaccurate : Payment History : XXXX : Payments marked as late, progressing from XXXX to XXXX  days past due by XXXX. 

XXXX to XXXX : Continuous " XXXX  '' ( XXXX XXXX ) status reported every month. 



I believe that the information reported is either incomplete or inaccurate and may not reflect the current status or history of the account. I request that you conduct a reinvestigation of this account and verify its accuracy with NAVY FEDERAL CREDIT UNION. Please provide me with a written summary of your findings and correct any inaccurate or incomplete information as required by law.

In accordance with 15 USC 1681i, I request that this matter be addressed within 30 days of receipt of this letter. Additionally, I request a free copy of my updated credit report once the corrections have been made.

Thank you for your prompt attention to this matter. I look forward to your response and the appropriate corrections being made.

Iam also requesting a cease and desist order that will stop all communications that are reporting to the credit bureaus and phone calls until I receive a 1099C because u claim on my credit report that the debt was written off but i have not received no 1099C.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX SSN : XXXX Date of Birth : XX/XX/XXXX XXXX Equifax Information Services , LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX EQUIFAX XXXX XXXX XXXXXXXX RE : XXXX  Block Request Dear Sir or Madam, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 XXXXXX/XX/XXXX I also see XXXX other names on my credit profile which is because of the XXXX. 
I need these names blocked and removed from my Equifax credit Report XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have attached a copy of my SSN card, Valid IDs, and a copy of my utility bill to prove I am human who has been a victim of XXXX, so I do not need Equifax to say or write me and say they could not verify me or my account. 
Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Section 605C ( b ) states that consumer reporting agencies can not provide consumer reports with adverse information about consumers who have been victims of human XXXX  or XXXX XXXX  if the consumer has provided documentation of XXXX  to the agency. I have attached a documentation of myself attestation to you Equifax. 
Survivors do not need to provide additional evidence to prove their connection to XXXX, beyond self-attestation. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-28
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. (PA)

I am writing to request a reinvestigation of the following item on my credit report. I believe that the information listed below is inaccurate and would appreciate your prompt attention to this matter. 


XXXX XXXX XXXX  Account number- XXXX Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I am writing to file a formal complaint regarding the failure of the credit reporting agencies to remove adverse information from my credit report despite my status as a survivor of human trafficking, and my previous submission of the necessary documentation in accordance with Section 605C of the Fair Credit Reporting Act ( FCRA ). As a survivor of human trafficking, I am protected under FCRA Section 605C, which mandates that credit bureaus block and remove adverse credit information related to fraudulent accounts or debts incurred as a result of my trafficking situation. 
On [ date ( XXXX ) of previous submissions ], I mailed the required documents, including proof of my trafficking status and identification of the fraudulent accounts. However, despite complying with all the requirements, the credit bureaus have failed to take the necessary action to block and remove this information from my report. The continued presence of these inaccuracies is causing significant harm to my financial recovery, and it violates my rights under FCRA Section 605C. I am requesting the CFPBs immediate intervention to ensure that the credit bureaus comply with their legal obligations and remove the adverse information from my credit report.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports