davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-20
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)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold 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
Consumer complaint received 2023-08-31
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: Experian Information Solutions Inc. (FL)

A month ago, I sent the three credit bureaus a letter 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 mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : 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 2023-12-27
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: BARCLAYS BANK DELAWARE (CA)

In XXXX XXXX  2023 I closed my previous business account. At this time with Barclay Bank, I had a revolving credit line of {$26000.00}. As someone who has relied on automatic payments for over a decade, this one slipped through the cracks. Apparently for two months Barclays charged me late fees and returned payment fees. This affected my credit score by about 100+ points. Ive always had excellent credit score. It was not my intention nor willingness, but quite frankly Barclays not sending me any regular usps mail notifications of this. Instead, they lowered my credit to XXXX XXXX XXXX XXXX  XXXX. 

When I realized that I had not updated my bank information for them to receive the automatic payments I called them and they investigated. Since Ive been a loyal customer for many years they reinstated my credit limit to {$26000.00} in XXXX. 

Summer is a very busy month for my Business and unfortunately due to an error which was caused by my assistant who did not keep me posted, I suggested immense credit loss. 


Barclays said theyd report to the agency so I can get my credit score repaired but we are in XXXX  2023 and still at a fair rating. 

I expected Barclays to take a more proactive approach but now I realize I must File this complaint. 

Thank you in advance for helping me.
Consumer complaint received 2023-08-31
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. (FL)

A month ago, I sent the three credit bureaus a letter 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 mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : XXXXXXXX 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 2024-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (LA)

On XX/XX/XXXX I was basically robbed non violently. 2 women picked me up walking against better judgment I went with them. While being intoxicated we stopped at gas station to buy XXXX. One woman came with me inside the store and must have seen me enter my pin. They then ditched me at gas station with my phone and wallet and went shopping with out my permission. I had no idea what they did I had no phone to call. Went to branch and they let my use the phone but with no ID couldn't look at my account. I told the claims representative upon original call to claims department. I filed a police report and faxed it to claims department. I even went to some vendorsi know i made purchases and explained my situation to them. After that there was no communication via email or standard mail. I would call frequently to check on status but I was told due to my attitude that they were not going to refund any money back to me. I explained I was upset with the situation and not at the person. I did however receive a letter stating that they were investigating and it would be closed on XX/XX/XXXX. Once again I heard nothing on email/notification about any message sent to me via their app. I called claims department and was told fraud was found and I'll be receiving notification. After I did not receive notification and called claims department again I was told my claims were denied and no deposits were being made. After that phone call I looked into my bank app and found messages sent to me XX/XX/XXXX dening my claims. I was not made aware of these messages through their app or via email. These claims were to be closed XX/XX/XXXX not XX/XX/XXXX. The fraudulent charges on XX/XX/XXXX were in the amount of {$1900.00}. I had another card stolen the same time and that bank refund funds to me with out issue. I also explained to claims department that the money was not technically mine but loan money from another bank to help with out of state moving expenses. The bank in question did nothing
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

Notice of Violation of FCRA 15 U.S. Code 1681s2 I hope this letter finds you well. I am writing to address a matter of utmost importance regarding recent discrepancies observed in my credit report. As per the regulations outlined in the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681s-2 ( 3 ), it is imperative for entities to acknowledge and properly handle consumer disputes concerning the accuracy or completeness of data provided to consumer reporting agencies. 

Upon thorough review of my credit report, it has come to my attention that certain information has been inaccurately reported. I have taken the necessary steps to dispute these discrepancies, providing ample time for resolution, as explicitly stated in my previous correspondences. 

However, to my dismay, these disputes have not been duly noted as required by law. 
Under the provisions of 15 U.S.C. 1681s-2 ( B ), it is explicitly stated that information must not be furnished to any credit reporting agency if it has been notified by the consumer of specific inaccuracies. Despite providing clear notification through certified mail, accompanied by return receipts confirming delivery, there has been a blatant disregard for my concerns and legal rights. 

HOWEVER I APPLIED FOR CREDIT, AND SUBMITTED A CONSUMER CREDIT TRANSACTION SO WHOS CREDIT DID YOU GIVE ME?. YOU CLAIM THAT YOU HAVE GIVEN ME A CREDIT CARD BUT THAT IS INDEED MISLEADING AND DECEPTIVE AS ( EXPLAINED BEFORE IN PREVIOUS LETTERS ) THAT A CREDIT CARD IS NOT SOMETHING YOU ISSUE YOURSELF. WE ARE BOTH AWARE OF THE DEBENTURES BEING UTILIZED, WHICH CREATES THE FANTASY YOU SO HOPE FOR PEOPLE LIKE ME TO BELIEVE IN YOU ACTUALLY GIVING US MONEY OR A LOAN. HOWEVER, YOU CAN NOT LEND CREDIT WHICH IS WHAT THIS TRANSACTION CONSISTED OF, A CONSUMER CREDIT TRANSACTION. PLEASE UNDERSTAND THAT IT HAS TOOK ME QUITE SOME TIME TO OVERSTAND YOUR MISCHIEVOUS WAYS AND THE NUMBER OF TIMES I HAVE BEEN VIOLATED WITHOUT SEEKING COMPENSATION OR REPARATIONS. MY TIME IS RUNNING OUT AS I DO NOT HAVE AN INFINITE AMOUNT OF YEARS LEFT BUT I HAVE TO SPEND TIME KNOWING SUCH THINGS.
Consumer complaint received 2023-10-30
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. (GA)

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 2024-03-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION (MO)

Sallie Mae has increased my interest rate to 16.5 %!. I fell behind during COVID and tried asking for help. All of my creditors worked with me, EXCEPT Sallie Mae. They consistently harass me, my family, and anyone with the last name of XXXX. They have contacted distant relatives and people who are not even related, all because they have the same last name as me. I asked them for a list of all the people they have contacted about my personal business and they did not send it to me. I am no more than XXXX payments behind. Now my interest rate is 16.50 %. Sallie Mae uses relentless tactics, apparently spends a large amount of money on so called customer service representatives who harass people about my loan, and have even sent letters by XXXX. Why can't they try to help people instead of spending so much on harassing people?? I have tried multiple times to ask for help and to work with them. They will not budge. They went over my budget and told me I made enough to make the payments ( even though the payments are now almost XXXX XXXX  more per month than they started out ). I am on a limited income. Please, please investigate Sallie Mae. They will not work with me! They are ruthless. I was able to pay off a large loan because the loan servicer worked with me ... .not Sallie Mae ! All they want to do is relentlessly harass, multiple times a day. XXXX day it was over XXXX calls to me while I was trying to work. Sometimes I answer and no one is on the other end. I'm sure I'm not the only person being bullied and harrassed by Sallie Mae! They also stopped sending bills through the mail several months ago. I did not sign up to not receive bills in the mail, they just stopped and then charged late fees when the bill wasn't paid. I want to know how they can just stop sending bills in the mail when it was not requested.
Consumer complaint received 2023-08-07
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: Experian Information Solutions Inc. (MO)

XX/XX/2023, I sent a letter disputing items listed on my credit report. Many violations were made and not corrected. 

I have not received any response relating to my dispute request. It has been past 30 days.
Consumer complaint received 2023-08-31
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)

I would like for all the incorrect information to be removed from my credit report because I did not authorize nor did I open those accountsXXXX XXXX  needs to be removed in the balance of XXXX opened XX/XX/XXXX, XXXX XXXX XXXX  needs to be removed in the balance of XXXX dollars opened XX/XX/XXXX, XXXX XXXX needs to be removed in the balance of XXXX dollars opened XX/XX/XXXX, XXXX XXXX XXXX with a balance of XXXX dollars needs to be removed from my credit that was opened on XX/XX/XXXX that's not my car, and XXXX XXXX needs to be removed. I would like all the inquiries removed because I did not open those accounts XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX don't belong to me. I would like my name spelled correctly along with the correct address.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/2024, I have discovered that my electronic payments are not going through and after contacting Chase bank via phone, I was informed that my checking account ( XXXX ), my savings account ( XXXX ), and my XXXX XXXX credit card account ( with accumulated points ) are closed without advance notice. After visiting Chase bank branch in XXXX XXXX XXXX, California twice, which including meeting with the branch XXXX, I was told that Chase will not provide the reason for closing the account and the " decision was made in back office '' and the reason would not be provided/disclosed. I have objected the closing of my accounts, especially I have a transparent lifestyle, have a good relationship history with financial organizations, and pay the taxes : I have the right to know why my accounts were closed ( savings, checking, and credit card ), especially without given notice, that lead to payment issues. I have indicated that I have the right to know the reason for closure and not to speculate if the account was closed for any discriminatory reasons. This experience left a very heavy moral impact on me. Also, the accounts closures are negatively impacting my credit score and the bank does not recognize the responsibility and accountability for such action.
Consumer complaint received 2023-08-31
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 submitting this CFPB complaint myself, and to inform you that I was a victim of an Identity Theft. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. These items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. Kindly help me delete these following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-25
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: Experian Information Solutions Inc. (FL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2018-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have been dealing with Transunion for early 18 years plus they constantly have two separate credit files and refuse to merge them together reporting inaccurately and keeping old information, I got a recent copy of my credit report and as usual two separate files that should be together but are not. Therefore giving me a score that is low and causing me to be constantly denied. For a car loan, house or insurance and causing me financial crisis.
Consumer complaint received 2024-05-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NY)

Someone opened a fraudulent XXXX account in my name and found fraudulently took money from my Citibank checking account using XXXX. I requested inform from XXXX and they would not assist me to get a refund. I opened numerous unauthorized transaction inquiries with my bank Citibank and they would also not assist me in getting a refund of the funds stolen from my account. 


Transaction Description Transaction Date Amount Withdrawal/Debit XX/XX/2022 {$500.00} Withdrawal/Debit XX/XX/2022 {$4000.00} Withdrawal/Debit XX/XX/2022 {$990.00}
Consumer complaint received 2024-03-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (TX)

American Express has refused to allow me to cancel my card without charging me fraudulent fees after I cancelled my American Express card. I cancelled my card on XX/XX/XXXX and paid the balance due. American Express charged me {$95.00} membership fee on XX/XX/XXXX after I cancelled my card. I was totally unaware since I cancelled my card and was assured there would be no more charges. They charged me interest fees and {$40.00} dollar a month late fees for the unpaid membership fee they posted after I cancelled my card. I found out in XX/XX/XXXX American Express reported a 60 day late notice for {$210.00} invoice with the credit agencies. American invoice for {$210.00} was for charges ALL after I cancelled my card. {$95.00} membership fee charged on XX/XX/XXXX and monthly late fees of {$40.00} a month & monthly interest fees since XX/XX/XXXX fraudulent membership fee posted. XXXX sent me a notice of the American Express 60 day late payment for {$210.00}. When I contacted American Express the last 5 digits of the cancelled card was XXXX. After I insisted American Express credit the fraudulent charges posted to my account after I cancelled my card & American Express refused. I noticed soon after I got off the phone American Express changed the last 4 digits of my card from XXXX to XXXX. I never requested or approved a new account number! American Express has sent me new cards every time I try to cancel my card to create more membership fees and late fees. I NEVER want another American Express Card! They have no right to send me new card numbers. I want the new account number cancelled and a credit for the fraudulent membership fee, late fees & interest fees charged after I cancelled my card.