davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

There is 2 ACCOUNTS on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified information to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 

The identified ACCOUNTS are XXXX XXXX  account number : XXXX. The second account account is XXXX XXXX XXXX account number : XXXX. These 2 accounts are not information related to any transaction by me as the consumer : ** [ enter information here with account name and number or inquiry name and date** 15 US Code 1681 c2 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
Consumer complaint received 2023-08-28
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: Experian Information Solutions Inc. (OH)

I received info stating that these accounts were verified please send verification of the steps yiu took to verify this information according to15 U.S. Code 1681i - Procedure in case of disputed accuracy 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.15 U.S. Code 1681i - Procedure in case of disputed accuracy for the following accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

As I get another worthless email from experian saying they are still working on the issue I pay another XXXX bill on time that's recorded on the experian and XXXX  website. Experian does nothing to address this issue but later closes the complaint with a letter saying something to the effect they can't insert something into my file, EXCUSE ME WHO ASKYOU TO DO THAT ASKING TO PUT BACK WHAT YOU STOLE FROM MY REPORT BUT MEAN WHILE PUSSH THE CREDIT CARDS HOURLY
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

To Whom It May Concern, I am writing to formally lodge a complaint against XXXX, Equifax, and XXXX for their failure to properly investigate and correct an inaccurate late payment reported on my XXXX XXXX XXXXXXXX credit card account ( Account Number : XXXX ). Despite providing ample proof over the past two years, including bank statements and receipts, my legitimate claims have been disregarded. 

Account Details : Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Status : Paid, Closed Status Updated : XX/XX/XXXX Credit Limit : {$6500.00} Highest Balance : {$7000.00} Payment History : 30 days past due as of XX/XX/XXXX I have only one reported late payment, which is the XX/XX/XXXX payment on this account. I have repeatedly submitted proof to XXXX, Equifax, and XXXX that this reported 30-day late payment is inaccurate. Specifically : Payment Proof : I have provided my XXXX XXXX XXXXXXXX bank statement for XX/XX/XXXX, which clearly shows that the payment was made on time. Additionally, I paid inside the branch with a teller, ensuring timely processing. 
Metro 2 Compliance : As per Metro 2 guidelines, this payment should have been accurately reported. The continued misreporting of this payment constitutes a violation of these standards. 
Lack of Investigation : Despite my numerous attempts and providing comprehensive documentation, the credit bureaus have not conducted a thorough investigation. Their persistent failure to correct this error suggests potential bias, as they may benefit from maintaining negative information on my credit report. 
This inaccurate reporting has severely impacted my credit score and, consequently, my financial well-being. I have already escalated this issue to legal counsel and intend this as my final attempt to resolve the matter amicably before pursuing further legal action.
Consumer complaint received 2024-06-04
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. (WI)

When I checked again my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these accountsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accountsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXXXXXX XXXX XXXX XXXX Balance Owed : {$8200.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$96000.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} DPT ED/XXXX XXXXXXXX  Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2023-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XXXX.
Consumer complaint received 2024-01-23
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (MD)

I booked a hotel stay on XX/XX/year> using the Chase travel portal since my card would give me a {$50.00} on the stay plus XXXX Chase ultimate rewards points after enrolling on a targeted promotion on my Chase Sapphire Preferred. We completed our stay on XX/XX/scrub>XXXX XXXX 
On XX/XX/scrub>XXXX XXXX XXXX I called Chase secure recorded line inquiring about product doing a product change and updgrade my card to a Chase Saphire Reserve. Before moving forward with the product change, I asked the representative over the phone if I would still get the {$50.00} credit statement and the XXXX Chase ultimate rewards and she confirmed I should be getting both. 

I have contacted Chase several times over secure portal and lastly oevr the phone and they said that due to the product change, I won't be getting the credit or the points I rightfully earned in XXXX before I had the new card. 

I decided to make a complain with the CFPB since this is clearly a violation and a breach from Chase 's end. I received incorrect information from the bank and I am not receiving the credit and points I rightfully earned after completing the challenge I enrolled for. As a customer of many Chase for many years, I find this experience very disappointing and upsetting.
Consumer complaint received 2024-07-10
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. (TX)

Auto Direct XX/XX/XXXX XXXX XXXX XX/XX/XXXX CAPITAL XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX NEBRASKA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX MOVEMENT MOR XX/XX/XXXX XACTUS-CP/MOVEMENT MOR XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX FRIENDLY XXXX XX/XX/XXXX CREDIT ACCEPTANCE XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX GLOBAL XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ALLY FINANCIAL XX/XX/XXXX CONSUMER PORTFOLIO SVC XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX CAPITAL XXXX AUTO FIN XX/XX/XXXX NOWCOM/WESTLAKE XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX BANK DELAWARE XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX CREDIT ACCEPTANCE XX/XX/XXXX NOWCOM/MOORE AUTO SALE XX/XX/XXXX SECURITY XX/XX/XXXX XXXX LOAN XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (LA)

On XX/XX/23 I got XXXX insufficient funds charges in the amount of {$27.00} from a CLOSED Venmo account. When I contacted VENMO, I was told I would have to reopen the account but couldnt.
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to dispute the recent incorrect charges and late payments that have been reported on my XXXX account. This account was closed in XXXX, and I am concerned that late payments for XXXX are being inaccurately reported. I request your immediate attention and assistance in resolving this matter as this has caused me extreme financial harm. 
I have carefully reviewed my credit report, and I was surprised to find that late payments are being reported for the year XXXX on the XXXX account. This is inaccurate as the account was officially in XXXX, and I have not made any transactions or late payments on this account beyond that date. 
These inaccuracies on my credit report may negatively impact my creditworthiness and my ability to obtain a home. 
The Fair Credit Reporting Act ( FCRA ) requires that credit reporting agencies maintain accurate and up-to-date information on consumer credit reports. 
I encourage you to view the documentation that I have attached to this compliant as it contains the letter I've sent to Equifax and XXXX, along with a copy of the inaccurate reporting.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Student loan accounts are reporting on my credit report for all three bureaus have past the 7 year mark and should be deleted as The Fair Credit Reporting Act ( FCRA ) of 1970 requires credit reporting agencies to remove negative information from a person 's credit report after seven years. 


There are 11 student loan accounts that are all reporting on my credit profile reports. All of them show DEPTOFEDXXXXXXXX XXXX XXXXXXXX. 

I have stated several times this debt is NOT MINE, with no success. My only option was to wait for the debt to age off which it has at this point. 

I am requesting all of these accounts be removed immediately. 

I have made this request to the company ( XXXXXXXX ) and to the credit reporting agencies however these outdated accounts which do not belong to me still remain on my report.
Consumer complaint received 2024-08-30
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. (VA)

" 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 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

On XX/XX/year>, I mailed a dispute letter to Equifax requesting an investigation into several inaccurate items on my credit report. Along with disputing these items, I also requested the correction of incorrect personal information listed on my report. To facilitate this process, I included copies of my government-issued ID, Social Security card , and proof of address to verify my identity.

Despite my efforts to provide all necessary documentation, I have not received any response from Equifax. This lack of response suggests that Equifax has failed to conduct a reasonable reinvestigation of the disputed information as required by the Fair Credit Reporting Act ( FCRA ).

Under the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. By not responding to my dispute, Equifax appears to have violated my consumer rights as outlined in the FCRA.

I request that the Consumer Financial Protection Bureau ( CFPB ) take action to resolve this issue and Investigate Equifax 's failure to respond to my dispute.
Consumer complaint received 2023-10-27
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. (TX)

XX/XX/2023 my credit was ran by several banks. We are uploading a photo of those banks. I would like the removal of the inquiries off of our credit. I did not submit my credit to be ramped by. Who's banks in any time?
Consumer complaint received 2023-11-07
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. (TX)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

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 XXXX  party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-27
Product: Credit 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: AMERICAN EXPRESS COMPANY (KS)

On XX/XX/XXXX, I was charged {$2500.00} and {$4500.00} from a merchant called XXXX  XXXX XXXX. I had my physical card so it had to have been charged through manual entry. I did not see the charges until the following day and immediately called American Express at XXXX on XX/XX/XXXXXXXX  to figure out the best course of action. I understood it to be filing a dispute on the charges so that is the action I took. I also attempted to contact the merchant, but there is no contact information on their website and the contact information I was able to access through the AMEX app was directly to North Carolina XXXX XXXX XXXX, and not the merchant. I live far from North Carolina. I asked the customer representatives of AMEX if I needed to provide anything and they told me there was nothing I needed to do besides to wait to hear from them. After filing the dispute, I was given a credit for the amount and American Express closed the dispute. On XX/XX/XXXX, American Express reopened the dispute and charged me for both transactions. I did not see this until the night of XX/XX/XXXX when I received a message that I spent over my {$8000.00} credit limit, something I never get close to. I called American Express at XXXX on XX/XX/XXXX and spoke to a representative. At this point, they informed me that the merchant provided documents showing that I purchased the product and used it, and that I need to reopen the dispute and provide documentation. At this time, I felt misguided because I could have provided documentation from the beginning, but was told there was nothing I needed to do other than filing the dispute. I then looked deeper into everything and found documents. I made a purchase from XXXX  XXXX XXXX  back in XX/XX/XXXXXXXX  which I assume is how they were able to access all of my information and use it to make it look like I made another purchase. I provided all documentation showing this and that I had no access to the alleged products the merchant claimed I used. One of the documents included one of the merchants products being nothing other than posts about XXXX XXXX and links to scams. After this, American Express is still siding with the merchant and claiming I am responsible for the charges. I escalated the issue to the fraud department on XX/XX/XXXX which seems to be what I should have done from the start. That is still in process.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

When I sent a copy of the FTC report, it was made clear that credit bureaus are not impeding records. I am forwarding this Complaint to assist in laying out a lawful response, as required by FCRA regulation 605b. If you do not stop the fraudulent activities listed below, I will pass over my records to my lawyer to initiate legal action. It is my intention not to pursue any legitimate activity, so if it is not too much trouble, follow the law. 
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 XXXXXX/XX/year>
Consumer complaint received 2024-07-09
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. (NY)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 2024-06-05
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. (NJ)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-06-04
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)

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from 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 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 2024-06-04
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. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.