davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I am writing to dispute the accuracy of the information on my credit report. It has come to my attention that you have not removed the accounts in question despite the fact that the other bureaus have already removed them from their records. It is my belief that there was an error present in the information that was reported to your bureau, which is why the other bureaus were able to find it and remove these accounts. I am confused as to how you have verified the accuracy of this information while the other bureaus have not. I am very confused as to why your bureau seems to be ignoring my requests. This is a request for deletion of a disputed item. I have attempted to have this inaccurate and incomplete reporting verified by the furnisher of information to no avail. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-10
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-10
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. (GA)

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 Account Number : XXXX Account Name : XXXX   XXXX  Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  Account Number : XXXX and 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 2024-04-10
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)

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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 2023-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2024-01-05
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. (OK)

According to 15 USC 1681 ( a ) ( 1 ) : The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. With this in mind, I have some concerns of codes being broken by Equifax, XXXX. Equifax and XXXX are reporting my transactional history of my credit card accounts with XXXX, XXXX XXXX, and XXXX XXXX. 15 USC 1681a ( d ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. A consumer report Does NOT contain information based solely as to transactions or experiences. My credit utilization and balances are 100 % transactional history and need to be removed from my consumer reports immediately.
Consumer complaint received 2023-02-20
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: EQUIFAX, INC. (MD)

In accordance with the fair credit reporting act, XXXX, Equifax and XXXX has violated my rights by having Bankruptcy XXXX  XXXX reference # XXXX on my reports. 15 U.S.C 1681 section 602 A states I have a right to privacy. 15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I recently received my consumer report and I notice many errors, which is making my report inaccurate! First I would like to start with my current address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
I am requesting that the information in my file be updated to reflect only my current correct address. Any address that you have on file for me that deviates from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX is not accurate and should be removed immediately. See attachment for proof that I sent in letter asking for help in updating my file to reflect true accuracy.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was banking with boa and sombody forged a check in my name in my account I was charged with forgery for something I never did and went to court and I won the case was dismissed but Im now not able to get a checking or bank account ever since
Consumer complaint received 2024-01-21
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. (OH)

Hello CFPB, I'm submitting a complaint on the credit reporting bureaus XXXX, Equifax, and XXXX on my consumer reports. I requested a verification and removal of a XXXX XXXX XXXX from the consumer report, Verification of Creditor accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  due to Charge offs, Late payments, Evictions 15 USC 1681a 2. Under the Fair Credit Reporting Act, a consumer reporting agency must provide accurate information. I requested that the bankruptcy be verified, since its showing on my credit report/consumer report. They came back saying it was verified on XX/XX/23. How could they have verified a bankruptcy? Who did they contact in the court to verify the information? I am also aware of my rights under the Fair Debt Collection Practices Act, specifically 15 USC 1692c, which prohibits debt collectors from communicating with third parties regarding my debt. As such, any continued reporting of my bankruptcy is in violation of federal law. A charge off on my consumer report is a violation of my consumer rights. A late payment 15 usc 1681a is a transaction and should not have been added to my consumer report/ credit report.

I've requested by phone that my name and address information be updated and all information not current be removed. It's still showing on my reports.

I've requested all inquiries be removed off credit report Will you please check into this and have this bankruptcy removed and all transactions removed from my consumer reports/ credit report.
Consumer complaint received 2024-01-05
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. (TX)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-08-07
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. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with 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
Consumer complaint received 2018-08-06
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NV)

Regarding account XXXX and XXXX which was closed without reason, and funds now being held for more than 45 days since account was restricted before closing. No updates and answers have been given me for reasonable cause, which Chase says they can do without reason for an investigation. But I have inquired many many times on what are they investigating. No answers, just evasions and we cant tell you stuff. 
This is now reaching beyond the point of reasonable. Since I know this can only be due to XXXX  XXXX XXXX asking Chase to hold my funds on a deposit that was cleared back on XX/XX/XXXX which I in fact was authorized to make this transaction and my affidavit ATTACHED HERE IN XXXX, CALLED AFFIDAVIT # 4 just faxed to XXXX  XXXX XXXX Digital Fraud Check Claims at XXXX. 
Also if Chase will check their records they will see I had a joint account with my Mother XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX confirming we had a fiduciary relationship and established trust. 
Chase has not lost one cent and I owe them nothing, they are holding {$35000.00} for a unreasonable amount of time for what they call an " investigation '' of nothing they can tell me. There are no legal attachments of leans on my account and I have no debt owed to Chase Bank. After reviewing the facts in this Affidavit # 4 attached, they need to understand that the claim in question from XXXX  XXXX XXXX is a false claim filed by mother mother and that transactions was in fact AUTHORIZED. 
Chase is a third part in this and i do not see what legal authority they have to continue to hold my funds. They are not a party to this claim and this is solely with XXXX  XXXX XXXX, my mother XXXX XXXX and Me, XXXX XXXX XXXX XXXX XXXX  now this morning also has documentary evidence in their possession by mail from me that XXXX XXXX 's claim is false and by her own voice says she gave me permission. Not only that but the banks Limitations of Liability for Online Banking Transactions ( which this was ) has established the fact that I was authorized based on the  evidence and record before them now. 
Chase has NOTHING TO INVESTIGATE, AND what can take 65 weeks so far in such a simple matter as this? This excessive time holding my funds is unreasonable and without credibility.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2023-03-17
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I sent the collection company ( Portfolio Recovery, LLC ) a letter on XX/XX/2023 asking them to stop contacting me about a debt in the amount of {$1000.00} from a XXXX XXXX account XXXX as the debt was from XXXX and could not collected on due to my state 's ( New York XXXX statute of limitations on such a debt. Despite this, I received a letter on XX/XX/XXXX and a call on XX/XX/XXXX at XXXXXXXX XXXX  EST about the debt in question. In addition, calls before and after sending the letter have consisted of hangups upon being answered, in a manner that feels like harassment.
Consumer complaint received 2024-04-10
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. (MI)

Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX ; XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a/ XXXX XXXX XXXX XXXX and autograph as the agent, attorney in fact , so be it.

Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : Fact, the Fair Credit Reporting Act is intended to secure my right to privacy and my privacy has been breached so be it. and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commences, so be it. and ; Fact, affiant is aware and has proof in the attachment labeled as Exhibit A, Exhibit B and Exhibit C that EQUIFAX is in violation of 15 U.S. Code 1681b ( a ) ( XXXX ). EQUIFAX did not remove the following accounts in accordance with the written instructions of the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-08-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO. (NJ)

Chase bank has been contacting me repeatedly at least 5+ times per day to discuss my credit card debt that I am already aware of. They have changed their phone number twice and they have called me on a Sunday evening. I have it documented on my phone that they left me a voicemail on Sunday XX/XX/2018 at XXXX. No debt collector has ever called me this late and their phone calls have become a harassment. 

Their phone numbers : ( XXXX ) XXXX - XXXX, ( XXXX ) #
Consumer complaint received 2024-04-10
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-04-28
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (IL)

So every since I got my car with the bank Santander consumers theyve been charging my card and taking my money and then not applying it to my bill so then my bill is XXXX something dollars on top of that Im paying almost {$700.00} for a car thats having issues already. They are aware of them double charging me and they refused to refund me. So then they told me theyd just apply the money they took out my account to my future bills and now they are saying they lost the payment and that I had to pay XXXX dollars when they are already taking money out of my account, they say my bank reversed it but my bank did not reverse it. They even got on the phone with my bank.
Consumer complaint received 2024-02-13
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

I submitted refund requests in XX/XX/XXXX due to XXXX cards not working as advertised " XXXX anywhere XXXX is accepted ''. Cards failed at multiple normal locations such as grocery and XXXX. 

I called in and was told to send pictures of the cards to your email which I did in XXXX. 

It has now been over two months since you received my refunds requests for 4 cards. I received 1 check on XXXX for {$500.00} and 1 check on XX/XX/XXXX for {$500.00}. 

I am still owed {$1000.00} for these scammy cards. Please send the check immediately and quit trying to earn free interest by holding my funds. I should also receive the fees I paid on these cards since they didn't work as advertised and I had to buy replacement cards from a legitimate bank. 

My 4 card # s and 4 cases are : 1 ) XXXX - XXXX 2 ) XXXX - XXXX 3 ) XXXX - XXXX 4 ) XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Copies of cards were Submitted via email on XX/XX/XXXX to XXXX. As you're obviously extremly unorganized, If you lost them let me know and I can resend.
Consumer complaint received 2024-04-10
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. (GA)

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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 2024-04-10
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. (TX)

I am submitting to follow up on a previous correspondence, dated XX/XX/year>, in which I requested a thorough reinvestigation of a disputed account on my credit report. To date, I have not received a response to my request, nor has there been an update on the status of this account as per my inquiry. I must emphasize the importance of addressing this matter with urgency. I kindly request once again that your team conducts a comprehensive reinvestigation of the disputed account, particularly if it is found to be inaccurate, incomplete, or outdated. XXXX XXXX XXXX Balance : {$0.00} The inclusion of a XXXX-day late payment record on my account is incorrect. I am confident that all payments were made punctually. I request another urgent correction to remove this inaccurate late payment notation. Prompt resolution of this issue is anticipated.
Consumer complaint received 2023-04-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Upgrade, Inc. (FL)

I paid this Credit Card ( line of Credit ) off in full and closed the account. 
I filed for bankruptcy and found that this company had misreported my credit line that I went over my amount and that I put it in my bankruptcy. 
When I called to tell them they disconnected me, When I filed a dispute on the three credit bureaus they still are reporting as put in my bankruptcy, when it was not along with showing my line of credit at the wrong amount and that I used more than my credit limit. 
I just looked up this account and see the account is till open and has been reduced to XXXX dollars.