davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (MO)

I opened new account in chase bank in month of XXXX. I updated my account details in my company portal so that I can get salary directly deposited in my account. But due to some reason instead of direct deposit my company issue check for my salary. I got XXXX checks from my company XXXX for my basic salary and remaining XXXX for my other allowances. I deposited all XXXX checks in my newly opened chase bank account. After some time when I checked I observed that my checks put on hold. After talking with Chase bank customer care I came to know that check is not verified that's why they put it on hold also they are going to close my account due to suspected fraud activity. I reached to my company ( XXXX XXXX ) for this issue and asking reason why check is not getting verified. They checked the issue with XXXX with whom my company have tie-ups. XXXX team mention that checks was already encash by chase bank and they all are valid one thats why XXXX XXXX ( XXXX issue checks from XXXX XXXX ) paid all amount to chase bank. Then I again reached out to chase bank and they said when they are trying to call my employer number showing as invalid. Number registered in there internal database. Neither they providing me number which they are using nor they agree to call with the other number which is in working. There is one number available on check provided by XXXX when we are dialing that number we are getting message - we cant verify this check at this moment reason because checks are already encash so thats why XXXX team deleted entries from there system. Now my XXXX $ stuck in chase bank account. I have original copy of checks with me. Even I have original copy of my pay statements in which my check number along with amount is mention. My company agree to provide confirmation upon email. Even I have confirmation from XXXX team over email that all XXXX checks are valid. My company asked to return back all amount which chase bank encash from check to the same bank bank account which issue the check so that my company directly deposited amount to my account. But chase bank is not agree upon it. They are saying my employer bank need to submit request to return back money but as per my employer bank they cant submit request because there is no reason to submit request. All checks are valid that's why chase bank able to encash it. As per there records all checks are encash. Kindly help me for this issue .My amount is stuck from last 6 months.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CO)

I have followed all the required steps to dispute these accounts. I contacted the companies involved, and they assured me the issue was resolved. I filed a report with a law enforcement agency, which confirmed the validity of the identity theft report. Additionally, I contacted the credit reporting agencies, and both XXXX and XXXX have removed the accounts as legally required. 

However, for some inexplicable reason, Equifax claims I haven't followed all the necessary steps. Despite submitting my claim to Equifax, I keep receiving the same unhelpful response, alleging that the documents I provided are not valid. 

I urge the CFPB to closely examine this case, as it appears that Equifax is failing to meet its legal obligation to process the identity theft report. The FTC, a federal law enforcement agency, has validated my report. This matter needs to be handled properly. The distress caused by this identity theft and my inability to access my credit is creating significant emotional and physical strain, affecting both my professional and personal life. I am at my wit 's end and have no other recourse. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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.

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 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-31
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. (IN)

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT XXXX, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-19
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. (NC)

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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

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 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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.

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2023-12-20
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (SC)

XXXX XXXX used to have their own credit card so that passengers could book flights and then make monthly payments at 0 % as long as the balance was paid within the allotted time. A few months back, XXXX eliminated this program, transferred it to Citi AA  Advantage cards, and called XXXX. Cards eligible for this program are found on this link : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I then applied to one of these cards, Citi / AAdvantage Executive World Elite Mastercard to be exact, to use this offer along with other offers. Today, I tried booking a flight 3 times, and the XXXX  option does not appear. Eventually, I called XXXX XXXX customer service, and after XXXX minutes, I was told that I needed to get approval from Citicard. Today, Tuesday, XX/XX/XXXX, at XXXXXXXX XXXX EST, I called Citicard to inquire about adding XXXX  to my XXXX account. The agent who helped me said that the XXXX option is an on-and-off promotion, and I need to check every time I book to see if XXXX is available for my purchase. Nowhere in the application or the website below says this is an on-and-off promotional offer. In fact, it says : " Book now. Pay later. Adventure is calling, and now you don't have to wait. With XXXX XXXX Pay on your eligible Citi / AAdvantage credit card, you can book your flight today and choose a convenient plan to pay over time. Any flight purchase of {$75.00} or more No application or credit check Flexible payment options Continue to earn rewards on your flight purchase as you normally would. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). I feel that they misled me with this offer or the agent who I spoke to is not aware of XXXX 

Today, Wednesday, XX/XX/XXXX, I spoke to another CitiBank credit card employee, XXXX, who told me that, indeed, I am supposed to have this benefit enabled and to call XXXX XXXX as this is their issue. She first stated that the Citi Card would break down the cost into 6 payments. Still, when I showed her a flight I booked in XXXX, based on an email from XXXX ( attached here ), and the payments did not break down, she said that it was XXXX XXXX issue of not putting the fly now pay later option on their website. So I keep going back between XXXX and Citi, and nobody has an answer.
Consumer complaint received 2024-05-31
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. (NC)

This account was charged off on the following date XX/XX/year> since then the account has repeatedly been updated as charged off every month. This is an update in payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You have failed to properly and accurately report this account and your neglect has violated my rights. I am demanding a deletion of the following account. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, 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 2024-06-07
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. (FL)

I recently reviewed a copy of my credit report and I saw addresses on there that are not correct. I looked up your website, I have enclosed proof of my current address that you require. 
The only address that should be listed is shown at the top of this letter. I also would like for you to correct the spelling of my name. There should absolutely not be any variations of my name because it is spelled XXXX way. I have enclosed my ID as proof of the correct spelling. 


Here is a list of the incorrect address, please remove them : Inaccurate Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX , FL XXXX
Consumer complaint received 2024-07-29
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)

Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.
Consumer complaint received 2024-05-31
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. (CA)

Account Name : XXXX XXXX  Account Number : XXXX Reason for Dispute : The payment was marked as late, but I did not receive the periodic statement at least XXXX  days before the payment due date. 
Late Date : XXXX I am writing to dispute the following inaccurate information that appears on my credit report. Under the Truth in Lending Act ( XXXX ), specifically 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 unless the creditor has adopted reasonable procedures to ensure that each periodic statement is mailed or delivered to the consumer not later than XXXX days before the payment due date. 
Additionally, if an open-end consumer credit plan provides a grace period during which the obligor may repay any portion of the credit extended without incurring an additional finance charge, such a charge may not be imposed unless a statement including the amount upon which the finance charge is based was mailed or delivered to the consumer not later than XXXX  days before the date specified for payment. In accordance with 15 U.S.C. 1666b, I request that the credit bureau conduct a thorough investigation of these items and correct or remove the inaccurate information from my credit report. You can also check below attachment that i am paying on time.
Consumer complaint received 2023-08-28
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. (CA)

I have sent in the necessary documents to Transunion credit reporting agency, to block the fraudulent remarks off of my credit report and to my surprise, their specialized fraud department just told me over the phone today XXXX XXXX XXXX XXXX ET, that after receiving my documents, they decided not to block the fraud items off of my report, stating that my documents did not meet the criteria of a blocking which in fact is a lie. I have sent them exactly what the laws from FTC.gov site advises consumers to send in to the reporting agencies when a victim of i.D theft. And i will attach all that I've sent them as well to this complaint. I need Transunion 's fraud department under surveillance now as we can clearly see that they are willingly violating consumers right without hesitation or deep thought for their own monetary gain.

Under FCRA 605 ( B ) law, states : ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall 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 of 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 by the consumer.

And i've clearly sent all that was needed with the request to Block items under this section. I did my part. They need to do theres. Otherwise ill be opening litigation, immediately.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. Here is the item that I am asking you to verify as accurate. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ....
Consumer complaint received 2024-05-31
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. (TX)

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.

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 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent. This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

These items do not belong to me and or were never late XXXX XXXX balance {$4900.00} not my account XXXXXXXX XXXX XXXXXXXX {$21000.00} not my accounXXXX XXXX XXXX XXXXXXXX {$12000.00} not my account XXXX XXXX account was never late
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am seeing that an inquiry is on my credit report for XXXX XXXX XXXX XXXX XXXX I have not applied for any credit cards with this financial institution. I have also filed with identitytheft.gov. please remove this fraudulent inquiry. this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. Please remove immediately
Consumer complaint received 2023-08-03
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: Experian Information Solutions Inc. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.