davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

I spoke to city of XXXX XXXX and they stated to me that they do not report bankruptcies to credit bureau 's and they didn't know why that would be on my credit and they also gave me some advice to where to look this information update so you're supposed to remove the public information. I was given the attached information.
Consumer complaint received 2024-03-12
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Trident Asset Management, L.L.C. (FL)

I contacted this company about violating the debt with the original creditor and Sent a cease and desist letter instead the sold the debt to another collections company even tho this debt is already paid so they keep sending different collection agencies after me to get money from me
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

I have 2 XXXX XXXX XXXX credit cards that went to delinqunt in XX/XX/2017 and later charged off. But it shows in the report as XXXX XXXXThey are supposed to be removed from the credit report as they passed 7 years. XXXX removed those 2 accounts from the file but Equifax and XXXX are coming back saying that the XX/XX/2017 is the correct date and not XX/XX/2017 and hence they are not deleting the accounts. I tried reaching out to the XXXX XXXX XXXXXXXX and they say that they don't have any information on this as it is more than XXXX XXXX XXXX. My SSN is XXXX. I'm raising disputes but equifax comes back that XXXX XXXX XXXXXXXX responded with the information is correct. If that us the case why XXXX XXXX XXXXXXXX says they don't have information when I contact. Equifax, XXXX and XXXX XXXX XXXXXXXX are playing with my time and credit report. This is making. my house buying purchase hard. 

I'm attaching the XXXX XXXX report where the first deliquency is XX/XX/2017.
Consumer complaint received 2022-12-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have submitted disputes to you and I didn't get a response within 30 days and you'll are required to by law to do so. Please investigate my disputes please. Thank you
Consumer complaint received 2023-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (SC)

I am a Chase customer and have been for over 2 years. I deposited a check from a family member I have time and time again deposited checks from. This check happened to be one on XX/XX/XXXX for {$970.00} dollars to help pay their rent because they are now in XXXX care. Chase decided to not only restrict my account but tell me they can't touch it til XX/XX/XXXX. The money has come out of their account from their bank and we are getting {$85.00} dollar a day late charges for their rent being late. Chase has spoken to the creator personally and claim they have not. Now they are out {$970.00}, we can't right another check or withdraw from the bank and will tack on another almost {$500.00} in late charges and there is nothing Chase will do. I have never had a check bounce or be a problem, and done healthy banking the entire time. I even had their employees deny a request to talk to a supervisor and tell me my time at Chase doesn't matter. It has been a completely unprofessional situation and is now costing me a lot of money. There was no reason for my account to be restricted or this check to be flagged and now I'm responsible for paying for it. They pretty much are telling me that a machine has more authority over my money and a human can not override such occurances. This makes me very upset to know my money that keeps them open is trusted by a program to keep, y money safe and there is no way to fix it.
Consumer complaint received 2024-01-17
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. (KY)

I asked the Credit Bureaus to a proper verification of my credit report ; in reference to a dispute of some problems I was having with some creditors. They concluded that every thing was verified. Upon further research conducted by myself I found inaccuracies involving my credit report even they conducted their through research. This information can be found in all three credit Bureaus reports previously filed to your in my last CFPB complaint filed under # XXXX, XXXX, XXXX. The dates, amounts owed and statue of terms of the debts are of question. also. 
. 
In accordance to the fair credit reporting act convergent the above Bureaus/Creditors has violated my rights 15 U.S.C. 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 section States 602 A Section 2 ; also states a consumer reporting agency can not furnish a account without written permission.
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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. 

Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account Number:XXXX Account name : XXXX  Account NumberXXXX Account name : XXXX XXXX XXXX Account name : 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 Account name : U.S DEPARTMENT OF EDUCATION Account Number:XXXX Account name : U.S DEPARTMENT OF EDUCATION Account Number:XXXX Account name : XXXX XXXX XXXX Account Number: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 2024-01-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: ARVEST BANK GROUP, INC. (NJ)

We had our mortgage sold to and began servicing by Arvest in XXXX of XXXX. 

Since then they have mismanaged our escrow account each year, sometimes sending us notices that we overpaid and would send a check, and then other times telling us that the balance is too low and we must raise our mortgage payment monthly to cover the difference. This mismanagement and failure to maintain a proper escrow estimate has happened every year since XXXX. They also refuse to send proper NJ state required paperwork to our township to prove they are paying our taxes each quarter from the escrow, resulting in stressful notices of default from the town we must spend our time following up on. The increase in our monthly mortgage payment each year is an unfair expectation, because taxes and homeowner premiums did not raise, simply Arvests ability to properly manage the balance caused this.
Consumer complaint received 2024-04-23
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)

They reached out to me. And I do not know who they are. They then insisted i owe them a debt to collect. 
I have sent this company a XXXX XXXX, subrogation and a cease and desist this company has refused to adhere to the federal guidelines by ignoring my requests in my attempts to resolve this matter the company has also been found to impose as a collection agency when it is listed that this company is not legally blinded and or insured to collect in the state of FL. Please have this company cease all collection activities this is my last attempt to complain outside of the court of equity.
Consumer complaint received 2024-01-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (PA)

THE COMPANY IS ATTEMPTING TO COLLECT THE DEBT I BELIEVE I DO NOT OWE. THEY'RE FURNISHING INFORMATION TO MY CONSUMER REPORT IDENTIFIED AS IDENTITY THEFT AND NOT RELATABLE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2024-01-20
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

I recently obtained an Amazon XX/XX/XXXX credit card from Synchrony Bank, ending in XXXX. Because I don't like to be late on payments, I set up auto pay to be deducted from my checking account. The screen said my first payment would be deducted by XX/XX/XXXX, my due date. 
Today I logged onto my account and see that my account wasn't credited. I immediately made a payment and then called Customer " Service ''. 
XXXX told because my account has been open less than 6 months, my payment won't be applied for 20 days! That's the most ridiculous thing I've ever heard, and I BELIEVE IT TO BE FRAUDULENT. She said she would refund the late fee, but this practice should not be allowed to continue.
Consumer complaint received 2024-01-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (VA)

I ordered a new debit card because my previous debit card had the sticker coming off making it hard to use in machines. I couldn't add the new debit card to my XXXX XXXX wallet and I called my bank. They gave me the run around then later my debit card was shut off and I had to call and find out why. No one could give me a reason and I later learned that Chase closed my account and would not give me a reason why. I did not send any new checks or made any changes to my account. I only asked for a new debit card because the sticker had been damaged. I was disappointed that they could not give me a reason why it was closed or a solution to fix this issue. No representatives were helpful.
Consumer complaint received 2024-04-23
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. (NJ)

I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent inquiries in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 

XXXX inquiry date XX/XX/XXXX XXXX  inquiry date XX/XX/XXXX XXXX inquiry date XX/XX/XXXX XXXX  inquiry date XXXX/XXXX/XXXX XXXX inquiry date XX/XX/XXXX
Consumer complaint received 2023-04-27
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. (NY)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC 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. Please delete the account : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX  Balance : {$7500.00}
Consumer complaint received 2024-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY (CT)

I've been attempting to add a XXXX recipient under number XX/XX/XXXX The error message claims a different number needs to used, the number entered is already in use or in contacts, which is incorrect, number is not uses by myself or in contacts. I've called technical support number provided, XXXX XXXX XXXX XXXX several times, first rep by name of XXXX was clueless about issue, second rep tried to claim the XX/XX/XXXX attempting to add is already on XXXX profile which I believe to be bogus, a lie
Consumer complaint received 2023-11-09
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. (KY)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-23
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)

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


Account Name : XXXX XXXX  Account Number : XXXX Inquires : XXXXXXXX XXXX  XXXX - XX/XX/year> : XXXX XXXX  XXXX - XX/XX/year> : XXXX  - XX/XX/year> :
Consumer complaint received 2024-04-23
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)

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 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 Chapter XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

6. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

10. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2024-04-23
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. (AR)

I am writing to dispute negative information on my credit report maintained by your Credit Reporting Agencies under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 regarding permissible purpose. 
Upon reviewing my credit report, I have identified certain negative information that has been reported without my explicit permission or a permissible purpose as defined by the FCRA. As a consumer, I have the right to control who can access and report information about my credit history, and I did not authorize the reporting of the negative information in question. 

I hereby request that the Credit Reporting Agencies conduct a thorough investigation into the reporting of this negative information and provide documentation demonstrating the permissible purpose for its inclusion on my credit report. According to 15 U.S.C. 1681b, credit reporting agencies are only permitted to furnish consumer credit reports to those with a permissible purpose, such as for credit extension, insurance underwriting, employment, or other legitimate business transactions.
Consumer complaint received 2023-04-27
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)

I appreciate how quickly you took action and how successfully you got rid of some of the bad things that were previously on my credit record. I think there are still problems with my file that need to be fixed for the time being. I thus request that all erroneous information mentioned in my credit file and attachments be immediately corrected. 
XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX OF XXXX Account Number : XXXX