davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MN)

I have disputed the XXXX XXXX XXXX XXXX account against Equifax, they are falsely stating the date of the last payment, they are also not providing the date of the first delinquency. That report is not complete, they must investigate and not just repeat what the collection agency tells them. I ask that they be removed from my report until the information is clarified. If the collection agency does not send the information, I am not obligated to pay, precisely because the information is not correct.
Consumer complaint received 2023-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2023-12-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I was told on XX/XX/XXXX my account would be closed by Bank of America I have now received a direct deposit from my employer and Bank of America refused to let me withdraw my funds. They can not provide me with an accurate date of when my funds will be released to me causing me to go into financial debt concerning my bills and rent.
Consumer complaint received 2024-04-24
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. (MS)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX
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. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXXXXXX Balance : {$710.00} ; XXXX XXXX XXXX Balance : {$300.00}.
Consumer complaint received 2024-06-05
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. (NJ)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy.
Consumer complaint received 2023-11-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Upgrade, Inc. (MD)

Once I made complaints of the varies attempts to get this off my credit report. Companies continue to reissue the same information on my reports when I make disputes. Continue to issues notices to my mail address, continue to ignore this identity theft on my report. This has cause me to be denial housing, employment, credit, and homelessness. My denial letter is attach base on this situation I was denied housing. Been a victim of identity theft.
Consumer complaint received 2023-01-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. 
all of my right was violated by XXXX, XXXX XXXX XXXX and XXXX.
Consumer complaint received 2024-04-24
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. (CT)

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 ( 5 ), 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 XXXX XXXX Account Number : XXXX Inquiries : XXXX - XX/XX/XXXX : XXXX - XX/XX/XXXX : XXXX - XX/XX/XXXX : XXXX - XX/XX/XXXX : XXXX - XX/XX/XXXX : XXXX XXXX  - XX/XX/XXXX : XXXX XXXX XXXX XXXX - XX/XX/XXXX : XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX : XXXX - XX/XX/XXXX : XXXX - XX/XX/XXXX : XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX
Consumer complaint received 2023-11-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I have attempted to reach this company via mail in XXXX, XXXX, XXXX, XXXX, and XXXX, XXXX  and no response. I tried on a few attempts in XXXX, XXXX  to call and speak to someone and even transferred to a supervisor that they had no information regarding my information even after giving them my information. Asked if I had a letter and I said I did not that it is showing on my credit reports for XXXX, XXXX and XXXX. Said they could not help and ended the call. No response from letters.
Consumer complaint received 2024-04-24
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)

there are several names and address wrong affecting my credit history i sent it to the credit bureu Transunion my social, drivers license and also a bill confirming my info but they did not delete the incorrect items in my report
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

A Charge off is considered a certificate of indebtedness. please remove from my credit report. This information is being reported inaccurately. I understand I have rights under The FCRA that states any account reporting incorrectly will allow me to seek compensation for Each violation. I understand that is also illegal to report transaction history. 

XXXX XXXX XXXX XXXX : XXXX
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (TX)

**Please disregard the original complaint # XXXX as there was a mistype in the complaint. ** This is a formal complaint against BESTBUY/CBNA, a financial institution, and XXXX, a consumer reporting agency, for multiple and egregious violations of the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 , and the Privacy Act of 1974, 5 USC 552a , as well as other relevant statutory and regulatory provisions. This complaint pertains to excessive, non-consensual inquiries into my account and inaccuracies in XXXX 's credit reports, particularly when compared to reports from XXXX and XXXX. The Fair Credit Reporting Act, 15 USC 1681 section 602 ( a ), mandates that consumer reporting agencies, like XXXX, exercise their substantial responsibilities with fairness, impartiality, and a profound respect for the consumer 's right to privacy. In this regard, the Privacy Act of 1974, 5 USC 552a, establishes safeguards for personal information held by federal agencies. BESTBUY/CBNA, as a financial institution, is obligated to respect the privacy of its customers and protect the security and confidentiality of nonpublic personal information, as articulated in 15 USC 6801 . However, my complaint revolves around the excessive, non-consensual inquiries made into my account. 15 USC 1681 section 604 ( a ) ( 2 ) clearly states that consumer reporting agencies may furnish a consumer report only " in accordance with the written instructions of the consumer to whom it relates. '' Neither BESTBUY/CBNA nor XXXX obtained my consent, let alone written consent, to furnish this information. Consequently, I formally revoke any and all consent, regardless of its form, be it verbal, non-verbal, written, implied, or conveyed by any other means, to XXXX, XXXX, XXXX, and BESTBUY/CBNA. Furthermore, my complaint extends to the inaccuracies in XXXX 's credit reports. 15 USC 1681e mandates that " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title. '' XXXX 's credit report inaccuracies, particularly concerning inquiries, violate these procedures. Specifically, XXXX 's credit report contained inquiries that were not present in the reports from XXXX and XXXX, a clear violation of the accuracy requirements under FCRA. These inaccuracies cause undue harm and confusion to consumers like me. I request that the CFPB conducts a thorough investigation into this matter, emphasizing the excessive violations of privacy and the inaccuracies in XXXX 's reports. I further request that appropriate actions be taken to rectify these infringements, and that XXXX is held accountable for its failure to maintain reasonable procedures.
Consumer complaint received 2024-05-16
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: Experian Information Solutions Inc. (CA)

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-09-26
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NY)

Had a 2 free interest card. Instead of making the payments to be completed at the 2 year mark, synchrony put the 30 percent interest on the card after 2 years to make my balance nearly doubled! 

When this came due I was in the XXXX  with XXXX and was not aware that the 2 year period ended. 

Who keeps track of what is due in 2 years! Especially during a pandemic! This is an intentional process by synchrony to double all balances with hidden excessive interest charges that are hidden behind so called interest free cards!
Consumer complaint received 2023-11-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Grain Technology, Inc. (OR)

In accordance with the Fair Credit Reporting XXXX XXXX has violated my rights. 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 an 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 then records of convictions of crimes which antedates the report by more then 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

1. Transunion disputes do not provide information or answer questions 2. Transunion lowers my credit score and reports high mortgage balance when I pay on time and my balance is correct per my lender who sets the payment terms.

3. I've seen 20 point changes in my credit for no reason.

I'm sick of Credit bureaus not taking responsibility when calculating credit scores based on arbitrary standards that have nothing to do with credit reporting. This is not the first time Transunion has been in trouble for doing this.

My FICO score is nearly XXXX points higher than the credit bureau report. Last time I checked Transunion uses the same equation to calculate credit scores, but they can't match FICO score calculations?

It is not fair these credit bureau have no responsibility when they XXXX with people 's lives based on arbitrary calculations that really have no significance compared to FICO scores.
Consumer complaint received 2023-11-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Consumer complaint received 2023-11-02
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (OR)

I entered into a lease agreement with XXXX XXXX XXXX, which was prematurely terminated due to a violation of the Right to Quiet Enjoyment. Despite multiple attempts to resolve the issue amicably with the property management, the situation necessitated vacating the premises for safety and well-being. 

On XX/XX/XXXX, I submitted a Notice to Vacate, which was acknowledged by the leasing department on XX/XX/XXXX. Following another incident, we reaffirmed our decision to vacate on the same day. On XX/XX/XXXX, the leasing agent confirmed the receipt of apartment keys and acknowledged our departure from the unit. 

On XX/XX/XXXX, I received a move-out cost breakdown that did not accurately reflect the security deposit amount, which was significantly higher than reported. After receiving this, I made several attempts to contact XXXX XXXX for clarification. Calls were made on XX/XX/XXXX, and XXXX, with follow-up emails sent on XX/XX/XXXX and XXXX, XXXX. The leasing agent acknowledged an error with the security deposit amount during a call on XX/XX/XXXX, but no further clarification was provided. 

The next correspondence was a bill from IQ Data International on XX/XX/XXXX, which included charges that were inconsistent with the initial move-out breakdown. I disputed this collection and requested debt validation on XX/XX/XXXX. The response from IQ Data on XX/XX/XXXX, was unsatisfactory, providing an XXXX spreadsheet without proper validation of the alleged debt. 

Despite these efforts, the debt was reported to credit bureaus, affecting my credit score. I have made numerous attempts to resolve this issue directly with the property management and the collection agency, including 14 calls to IQ Data on XX/XX/XXXX, which were met with repeated hang-ups and a lack of cooperation. 

The collection agency has not provided adequate debt validation, has reported the debt without proper notice, and has failed to investigate the dispute thoroughly. This has resulted in an unfair credit report entry and continued attempts to collect a debt that is not accurately validated. 

I seek the removal of this collection from my credit report and cessation of collection attempts until a thorough and fair investigation is conducted, with proper validation of the alleged debt provided.
Consumer complaint received 2023-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (AZ)

I used Chase Travel to book a flight for myself, my XXXX kids and my XXXX XXXX XXXX mother from XXXX, Arizona to XXXX XXXX, CA from XXXX XXXX using a Chase Credit Card XXXX When I booked my flight, their seat selection tool allowed me to book 4 seats together, so I chose that particular flight. After I booked my flight, I was told those 4 seats cost extra. On Chase 's seat selection tool, it did not indicate extra fees. I have a screen shot showing that no extra fees for those 4 seats were disclosed on Chase 's website. The customer service rep by the name of XXXX told me I should have gone to the airline to see that those 4 seats have fees. But why would I do that if Chase 's own website seat selection tool didn't indicate any fees and showed they were available for booking? If I had to go to the airline directly, why would Chase even have seat selection tool to begin with? I then asked XXXX to cancel my flight and refund me the money. She refused, saying that those seats are non-refundable. I then asked to speak to a manager. She again refused to transfer me to a manager. I then asked her to confirm her first name, she refused to provide me with her first name, saying that it is personal information. However, she gave me her first name at the start of the call, I was just trying to confirm. How is her first name that she already disclosed at the beginning consider personal information? I finally asked her to provide me with contact information at Chase to file a formal complaint. She again refused to provide me with contact information at Chase to file a complaint, saying that she can take down the information for me. The only thing I am asking for is to cancel my flight and refund me the cost. All of this is on a recorded line between about XXXX to XXXX XXXX  on XX/XX/2023. I am only filing a complaint with CFPB because I have no other recourse, since Chase refused to provide me with contact information to file a complaint directly with them, and since the credit card used to purchase the tickets are also at Chase, I do not know if it would go anywhere to dispute the charges.
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, 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)

On XXXX XXXX XXXX XXXX XXXX XXXX Ive reach out to both XXXX and Transunion in regards to inquiries that I did not authorize in my credit report. Both via phone and Us Mail
Consumer complaint received 2023-09-26
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)

I am writing this to delete the following information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charges listed. I ask that the items be deleted to correct my credit report. I report this theft to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete these items as soon as possible.