davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-14
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. (GA)

I am writing to express my deep frustration and dissatisfaction with the many unsuccessful attempts to remove fraudulent items from my credit file. Despite my persistent efforts and cooperation, the fraudulent entries persist on my credit report, causing significant distress and adversely impacting my financial standing. 

I have previously submitted identity theft affidavits, police reports, and supporting documentation in my attempts to rectify these inaccuracies. Regrettably, it appears that the necessary actions were not taken to ensure the timely and accurate removal of the fraudulent items. 

The continued presence of these inaccuracies is not only affecting my creditworthiness but is also causing significant challenges in securing credit, obtaining favorable interest rates, and managing my overall financial well-being. 

I urgently request an immediate and thorough reinvestigation into this matter to expedite the removal of the fraudulent items from my credit report. I expect a detailed response within the exact timeframe acknowledging the receipt of this complaint and outlining the steps that will be taken to address and rectify the fraudulent items promptly. 

Failure to resolve this matter in a timely and satisfactory manner may compel me to escalate my complaint to regulatory authorities and seek legal recourse to protect my rights. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XXXX Balance Owed : {$5100.00} Date Opened : XX/XX/2020 XXXX XXXX Balance Owed : {$5100.00} Date Opened : XX/XX/2020.
Consumer complaint received 2023-06-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (GA)

The credit card account is through Synchrony and was obtained through the purchase of a XXXX XXXX bed. I agreed to make timely monthly payments in the amount of {$200.00} with no interest charges and have made all payments in advance. However, when I made the XX/XX/2023 payment on XX/XX/2023, I received a notice of nonpayment today. I contacted Synchronys customer service and was informed a statement was cut on the same day as my payment and because of this, that payment was entered as an extra payment. Synchrony agreed to delete the late fees but stated they could not reverse the payment and apply it correctly to my XXXX payment. They also advised on XX/XX/XXXX, my minimum payment due is {$400.00}. The online payment portal does not show information regarding additional payments nor does it state their statements for the following month are cut XXXX  days following the previous months due date. I have never made a full extra payment in my payment history. I simply would like the payment reversed and correctly applied to the XXXX payment. This is not my error.
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I know my rights so please correct the following accounts.I reviewed the law located at 15 USC 1681i which describes your investigation responsibilities.Please complete this dispute in a timely manner and send the results to me so I can verify my credit.Thank you for your help.Please correct the accounts listed below. 

Account name : XXXX  XXXX Account number : XXXX Account name : US DEPARTMENT OF EDU Account number : XXXX Account name : US DEPARTMENT OF EDU Account number : XXXX Account name : XXXX  XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am lodging this complaint personally. Upon examining my credit record, I found instances of late payments. Despite sending letters over 30 days ago, I have not received any response, nor have they provided satisfactory validation. I kindly seek your assistance in resolving this issue.
Consumer complaint received 2023-12-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to bring to your immediate attention a matter of utmost urgency regarding fraudulent entries on my credit report resulting from identity theft. Upon recent review, I have discovered unauthorized accounts and transactions that have negatively impacted my credit history. I am requesting your immediate and aggressive assistance in removing these fraudulent entries promptly. 

Given the severity of this situation, I urgently request an aggressive investigation into this matter and insist on the immediate removal of the fraudulent entries from my credit report. Identity theft poses a significant threat to my financial well-being, and it is imperative that my credit history accurately reflects my true financial standing. 

XXXX XXXXXXXX - FRAUD XXXX PLEASE DELETE!!!!! 
XXXX XXXX - FRAUD, PLEASE DELETE!!!!! 
XXXX XXXX - FRAUD, PLEASE DELETE!!!!! 

Please provide written confirmation once the investigation is complete, and the necessary corrections have been made to my credit report. If additional information is needed or if there are specific steps I need to follow, please advise me promptly. 

Thank you for your prompt assistance, and I trust that you will take aggressive action to rectify this situation as quickly as possible.
Consumer complaint received 2023-12-14
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. (NJ)

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXX Dear sir, Upon the request from TransUnion LLC, addressed XXXX XXXX XXXX, XXXX, XXXX  XXXX, I would like to tell you that I never requested to get my credit report through your company, since I do not recognize your company name at all in my memory and I have never received any credit card from your company. If you have requested to TransUnion with my name, even if, it is my name it is not from me, because I do not know you. Therefore, if you tried to get my credit report, you did without my permission. Under the advice from TransUnion, would you investigate the matter whether you have opened an account in my name, XXXX XXXX. If so, you determine that someone fraudulently applied for credit card in my name, would you close that account immediately, because it is clearly against the law internationally. Besides, TransUnion requested you to contact this credit report company, XXXX, for a request of removal of your inquiry for my credit report in the past. 

Sincerely, I will send the letters with same content to the following companies. 

XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX ( No phone number ) XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX XXXX  : XXXX XXXXXXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX, XXXX  XXXX ( XXXX )
Consumer complaint received 2024-07-03
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (TX)

Dear CFPB, I am writing to file a complaint against American Express regarding misleading information that led to an unfair credit limit reduction. I reached out to their customer service team seeking a payment plan to help with temporary financial hardship due to a recent home purchase and travel. During this process, I was informed that the reduction in my credit limit would be temporary and last only while I was in the program. However, I later discovered that the credit limit reduction would not be revised until XXXX year after exiting the program. 

Had I been provided with accurate information, I would have declined the program due to its negative impact on my credit score. When I tried to withdraw from the program the same day, I was told it was impossible to remove it from my credit card, despite being informed prior that the adjustment would take more than XXXX hours. This immediate implementation of the limit reduction compounded the misinformation. 

I request your assistance in addressing this matter and ensuring that American Express corrects this situation. 

Thank you for your attention to this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have diligently followed all the necessary procedures in disputing these accounts. I've contacted the companies, and they assured me the issue was resolved. Law enforcement has been involved, and I've provided a FTC report, which they confirmed as valid. Furthermore, XXXX and XXXX have complied with legal requirements and removed the accounts. However, Equifax seems to be presenting obstacles, claiming I haven't completed all the necessary steps. Despite repeatedly submitting my claim to Equifax for years now, I remain stuck. Each time, I receive a dismissive response, alleging that the documents I've provided are inadequate. It appears Equifax is failing to fulfill its legal obligation to process the identity theft report eventhough the companies already removed the accounts from the other bureaus. I want to emphasize that I've reported the identity theft to a law enforcement agency, specifically FTC, a federal entity. I seek a resolution to this matter that adheres to proper procedures. Please DELETE the accounts : 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 2023-12-14
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. (NC)

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 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 2023-12-14
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-14
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. (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 XXXX XXXX XXXX. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2023-10-16
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. (LA)

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 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 2021-03-14
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. (NC)

Over the course of a year and after several phone conversations and letters with Transunion regarding several consumer credit transactions showing on my reports " still '' showing up, have refused to remove them. Per 15 usc 1681b ( 2 ) In accordance with written instructions of the consumer to whom it relates. I never gave them permission to furnish these accounts on my behalf no consent is Identity Theft.
Consumer complaint received 2023-12-14
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. (NY)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Breach of Trust. Trustees of the listed companies and the credit reporting agencies have a duty and oath and obligation to administer the Trust in the best interest of the Beneficiary. Eye am the Beneficial Owner to XXXX XXXX XXXX XXXX XXXX. 

The listed transactions are XXXX XXXX cause an error was made as the SOCIAL SECURITY number has been shared with these companies without legal consent and authorization from the Social Security Administration. The Beneficiary for the XXXX XXXX did not autograph nor sign form XXXX. These accounts are unauthorized : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (KY)

EQUIFAX INFORMATION SERVICES LLC XXXX XXXX XXXX XXXX XXXX XXXX RE : Violation of 15 U.S. Code 1681s1 ( 2 ) - antedates the report by XXXX years or less. 
Account Name : XXXX XXXX XXXX  Account Number : XXXX Dear EQUIFAX DISPUTE DEPARTMENT XXXX I am writing to formally dispute the information regarding the ACCOUNT NAME : XXXX XXXX XXXX  ( Account Number : XXXX ) that is currently being reported on my credit file. This account was open in XX/XX/XXXX and closed in XX/XX/XXXX, and it antedates the report by more than 7 years, constituting a violation of 15 U.S. Code 1681s1 ( 2 ). 
Equifax has violated my rights by reporting this child support for over the 7 years reporting period. XXXX XXXX XXXX has been reporting since XXXX Equifax is prohibited in reporting past XXXX  years which would have been in XX/XX/XXXX. Equifax intentionally and willfully violated my FCRA rights by allowing this account to continue to report past statues of limitations and past the date of first delinquency. There is no FCRA law that states a paid judgement, lien, or child support must report for XXXX years. I have exhausted my remedies with disputing this account and I seek civil liability for reporting past statute of limitations. This account remaining on my consumer report has cause financial hardships such as higher interest rate, purchasing a home, denied personal loans and denied an auto loan. I will use this CFPB complaint as evidence that Equifax continues to violate consumer 's FCRA rights. XXXX, XXXX, and Equifax have court cases about reporting judgements, lien, child support, and tax liens. Equifax continues to give me an automated response XXXX and properly investigate consumer 's complaint. Furnisher gives a returned automated response instead of investigating consumer 's complaint. Equifax must give consumer 's dispute with all attached documents to the furnisher. However, Equifax 's does not do this but instead reduce the consumer complaint to a single XXXX code dispute. FCRA clearly states that the CRA and Furnisher to investigate consumer 's complaint. Remove this account Immediately from my consumer report. 

Furnisher ( XXXX XXXX XXXX XXXX XXXX XXXX States reporting information to the credit reporting agencies must also comply with the federal Fair Credit Reporting Act, which imposes certain responsibilities on those furnishing data to the agencies and provides specific rights to individuals whose data is reported. These requirements ensure the accuracy and integrity of the data on child support delinquencies that is included in credit reporting. 

I have attached Government issued Driver License and current utility bill. 
I have attached evidence the Equifax and their customer ( furnisher ) continue to violate my consumer FCRA rights : attached other CFPB complaints, XXXX Notice, and etc.
Consumer complaint received 2024-05-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NJ)

For two weeks now, I have been unable to access my account information on Chase 's partner environment ( Amazon ). 

I attempted to reach out to both Chase and Amazon. Neither side understands the problem nor is willing to solve this issue. Chase customer service response to this problem misses the key problem. I will reiterate the problem statement here. 

The problem statement is " We're unable to verify your account with Chase right now. Please try again. If issues persist, contact Chase for assistance. '' I have been encountering this issue every day for two weeks.
Consumer complaint received 2024-05-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (MN)

some information regarding the recent closure of my bank account, including my savings, checking account, and credit card. I was informed by a customer service representative that my account has been terminated, and the bank will be ending its relationship with me within XXXX  days. I would appreciate it if you could kindly provide me with the reason for this decision, as I am unclear as to what might have caused it. The account closure was effective on XXXX, XX/XX/2024.