davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (CA)

I applied for a credit card with Chase in early XXXX, and was kept in a " pending '' state for more than 30 days. During that time, I made several calls to Chase ( XXXX, the number Chase advertises as where to call for a credit card application status ), and the automated system consistently told me that Chase is reviewing the application, and that I should wait to hear from Chase. When I reached a customer service agent, I heard the same thing. 

Finally, after 30 days, Chase informed me that I would need to apply. They gave contradictory explanations of what happened, but eventually concluded that they just needed me to confirm that I actually submitted the application. However, due to lack of contact from them, and wrong information provided to me, I could not actually provide that confirmation. 

I'm aware of a legal requirement of Chase to have responded within 30 days. https : //www.consumerfinance.gov/rules-policy/regulations/1002/9/ # a. On a call with a representative from Chase 's executive office, they expressly denied any accountability for failing to abide. 

I should also note that, after 30 days, Chase attempted another hard pull on my credit report without my consent. Luckily I had a freeze at the time. In communications with Chase, they claim that that was the issue, and that I need to unfreeze my reports. But that's not the issue and is rather an instance of strawman fallacy. Chase acknowledges that my report wasn't frozen in XXXX, and that they did run a hard pull and obtain the information they needed. The freeze they're bringing up pertains to an attempted second hard pull performed without my consent. This is about Chase failing to properly review my application and communicate with me in the 30 days since my initial application. 

Also Chase said that they sent me a letter asking me to confirm that I had applied. However, the letter was never received. In fact, the US Post Office provides a daily digital preview of my mail before it's dropped off, and these emails indicate the mail never made it to the post office.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was mentioned in my previous COMPLAINT #, and I include 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-05-09
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. (MA)

I'm filing this complaint to the credit bureau in order to notify them AGAIN that I was a victim of identity theft. I want to challenge any improper items that are appearing on my credit record, but it looks like the credit agency could care less. I require the materials to be taken out of my file as soon as possible because this is a flagrant breach of FCRA laws. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX XXXXXXXX Balance : {$350.00} ; XXXX XXXX XXXXXXXX Balance : {$110.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$680.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXBalance : {$3000.00} ; XXXX XXXX Balance : {$3200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I XXXX that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Months ago, I have sent a letter to the three credit bureausasking 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 #, and I'm including it once more. Kindly delete the following items in my file ASAP. Thank you. 
XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Consumer complaint received 2023-12-19
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 been subjected to identity theft and these following inquiries appearing on my credit reports from all 3 bureaus does not belong to me. I have also attached my FTC report for more details. Kindly remove these inquiries asap as my credit is being Impacted pretty badly due these. 

XXXX XXXX XXXX XXXX XXXX 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 2024-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Ensuring timely payments on this account has always been my priority, never allowing them to become overdue. I am unsure about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2023-04-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

A checking account with Capital One was opened in my name that I did not open. I was able to get it closed bit they had all of my valid info such as SSN, DOB, address, etc. I also found some disturbing info in their disclosures. It states : " However, were not required to confirm any instruction that looks like it was made by you, and we wont be liable if we dont contact you. Were also not required to confirm the actual identity or authority of anyone who uses your Password or a personal identification number ( " PIN '' ) or any account access device we gave you ( like the Card ) ( collectively, " E-Identification '' ) ''
Consumer complaint received 2024-02-12
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. (PA)

An account was opened in my name without my permission at the XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, IL XXXX. Phone number XXXX. I live in XXXX, PA. The opening date was XX/XX/XXXX. It resulted in a hard inquiry/credit check on my account. The account was finally closed and they reported it as a fraudulent event on XX/XX/XXXX and said they would contact Transunion directly to have it removed from my report. No action was taken, and since that date of XX/XX/XXXX I have called the above number 8 times and left my contact number for someone to call back and no one has reached out. There is never a manager or another option present. They are a horrible company, I just want this resolved.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00}.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom It May Concern, I trust this letter finds you well. I am writing to address discrepancies in the reporting of my personal information on my credit report. Having recently reviewed my credit report, I have identified inaccuracies associated with my profile. 

As of the date of this correspondence, my current residence is accurately reflected by the address stated above. However, I have observed inconsistencies in the reporting of my date of birth and name. I am reaching out to you to promptly rectify this matter. 

To facilitate the correction of errors on my credit report, I kindly request the following actions : Update my credit report with the correct name and date of birth as follows : Date of Birth : XX/XX/1991 Name : XXXX XXXX XXXX Remove all previous addresses from my credit report, as I no longer reside at those locations. The inclusion of outdated addresses is impeding the verification of my identity and adversely affecting my ability to secure approvals for various financial transactions. 

To support this request, I have enclosed a copy of my updated address form, serving as proof of my current residence. Additionally, I am willing to provide further documentation, such as a utility bill or other forms of verification, to facilitate the verification and update of my credit profile. 

Understanding the significance of maintaining accurate and up-to-date information on my credit report, I appreciate your prompt attention to this matter. Your assistance in resolving this discrepancy is crucial for my seamless conduct of financial transactions. 

I kindly request that you investigate and address this matter within the legally stipulated timeframe. I eagerly anticipate receiving confirmation of the corrections made to my credit report. 

Thank you for your expeditious attention to this matter. I sincerely appreciate your cooperation. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-12-19
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)

This is not my account, I have submitted a Identity Theft dispute with the Federal Trade Commission in regards to this matter and I would all information that is being reported on this account be immediately deleted. 
The account opened on XX/XX/2023 it is now closed but still showing a XXXX $ balance. 
The Fair debt collection practices and fair credit reporting act states that the information reported on consumer must be accurate. The account opened XXXX 2023 This is not my account, I would like all information being reported from this ( XXXX XXXX ) account be deleted immediately, and a written notice of this information being deleted or I will be forced to sue for damages and negligent enablement.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I pulled my credit report on XX/XX/2023 and found inaccurate account data from XXXX XXXX XXXX XXXX. This account is in violation of certain laws that Congress passed to protect consumers such as myself. 15 U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting. 

This account is clearly reporting incorrectly and clearly needs to be deleted immediately because of the violation.
Consumer complaint received 2024-04-18
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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made or authorized. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Please remove inquiries never authorized by me : XXXX XXXX XXXX XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX below that were never authorized by me : XXXX XXXXXXXX vacations handle by XXXX XXXX XXXX for the amount of {$760.00} XXXX XXXX. XXXX XXXX XXXX XXXX handle by XXXX XXXX XXXX for the amount of {$2200.00} XXXX XXXX. handle by XXXX XXXX XXXX for the amount of {$3500.00} XXXX XXXX. handle by XXXX XXXX XXXX by the amount of {$1100.00} XXXX handle by XXXX XXXX for the amount of {$5300.00} XXXX FIRST ELECTRONIC BANK handle by XXXX for the amount of {$3300.00}
Consumer complaint received 2023-08-02
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. (WA)

I have a Best Buy VISA card with Citi. I need to access my most recent statement in PDF form because my mortgage lender has requested it in advance of closing on a house this week. The XXXX statement closed two weeks ago but it's not available online. When clicking on the " view statement '' link, nothing comes up, just a refresh of the account home page. When clicking on the " statements '' header in the top menu, it pulls up the ability to pull an XXXX file of the transactions, but not the actual statement. 

I have tried on multiple devices and multiple browsers, with and without cookies, and with all the potential security/privacy features turned off ( i.e., popups allowed, etc. ). It's not a technical problem on my end. 

I have sent repeated requests to Citi about the problem but they refuse to actually review my question and simply repeat variations of the same basic technical issues ( only use this browser, try logging in and out, etc. ) or other generic information about how it takes 2-3 days after a statement close for it to become available. Literally, over and over, they send these insanely stupid responses that don't show any sense of reading comprehension. It's insulting, infuriating and intensely problematic for securing final approval of my loan. Hopefully my lender 's underwriting department is ok with a screengrab, but this is just nuts and could really hurt other people in similar situations. 

All I want is my statement, but they have a XXXX website, a XXXX customer support team and no interest in even hearing customer concerns. This company is anti-consumer.
Consumer complaint received 2023-08-18
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. (IN)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2023-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (GA)

On XX/XX/XXXX XXXX XXXX applied for a loan for XXXX for the purchase of a car he was issued the loan via check from Navy Federal XXXX XXXX and XXXX XXXX was on the loan they went to Navy Federal XXXX XXXX XXXX  and deposited the check from Navy Federal the check clear and the money was available for XXXX to take the money out XXXX went to the bank and asked if he could withdraw XXXX out they said no we don't have it but they said we can issue you a cashier check for the amount so XXXX said ok issue me a cashiers check for XXXX XXXX because he has a car I want to buy Navy federal in XXXX XXXX  issued the cashiers check to XXXX XXXX. XXXX XXXX deposited the check in our account we were able to use the money then on XX/XX/XXXX at XXXX am we called the bank and asked if we could withdraw XXXX out of the bank because we were told to call ahead of time for money like that so then the security department gets on the phone talking about we shutting your account down for fraudulent activity and wouldn't explain what they thought the fraud was please help.
Consumer complaint received 2023-08-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CREDIT ACCEPTANCE CORPORATION (IL)

I need to see the purchase agreement contract or bill of sale that was created between Credit Acceptance and XXXX XXXX Sales.. the retail installment contract is not the only contract. There was also one between Credit Acceptance and The car dealership XXXX XXXX XXXX that I have a right to see as a consumer. Please send to my email XXXX. 

Also why was I not notified of my right to rescission per 15 US Code 1635
Consumer complaint received 2023-12-19
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 am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of applying for a new loan and these errors are causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. We are looking to buy a house. Please help