davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: National Consumer Telecom & Utilities Exchange, Inc. (GA)

I sent a written request to the National Consumer Telecommunications and Utility Exchange , Inc. asking for my consumer report and numerical score, as allowed under the FCRA. 
On XX/XX/XXXX I received XXXX letters from the NCTUE. XXXX contained my report ( Conf # XXXX ) ( which had errors, but has since been corrected ) ; the other ( Conf # XXXX ) did not contain my requested numerical score, but instead a letter claiming, Based on the contents of your NCTUE data report as of XX/XX/XXXX, your score is unavailable. In order to calculate a score, the NCTUE data report must contain at least XXXX account showing an update in the last XXXX months. 
I found this odd, as the very NCTUE consumer report they mailed the very same day as the denial letter included an account that had been updated numerous times within the past XXXX months. So. 
On XX/XX/XXXX, I again mailed NCTUE a letter requesting my numerical score. I included a highlighted copy of the consumer report they issued ( which clearly indicated my monthly power bill amount as well as my monthly payment for each of the XXXX previous months. ) More than simply sending highlighted copies, I also wrote in great detail a note explaining how theyd made a mistake. 
Today, I received a response dated XX/XX/XXXX with a confirmation number XXXX. It AGAIN claimis I have no score because my account reflects no activity within the past XXXX months. No mention of my letter, no explanation why theyre ignoring my actively reporting utility bill, just another ( wrong ) denial letter. 
NCTUE included no contact number. Every one I find online leads to an automated system that makes it impossible to address my concern.
Consumer complaint received 2023-12-27
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. (MD)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Consumer Financial Protection Bureau [ CFPB Mailing Address ] XXXX XXXX XXXXXXXX XXXX, Complaint Subject : Opting Out of Authorization and Request for Corrections XXXX XXXXXXXX XXXX, I am writing to inform you, as a federally protected consumer under the FCRA, that I am opting out of any and all authorizations provided under 15 USC 6802. This opt-out includes written, unwritten, verbal, and non-verbal authorizations and is effective immediately and indefinitely. 
Upon reviewing my credit reports, I have identified several issues that require your attention. It has come to my notice that third-party reporting agencies are disclosing my private information to all three credit bureaus, violating my Privacy Right under the Privacy Act of 1974. 
Additionally, there are charge-offs listed on my credit reports, which I believe should be considered a " Certificate of Indebtedness '' and removed, as income can not be reported to my credit report according to the law. 
I would like to bring to your attention that all my bank accounts are insured under 15 USC 1681, and I have not received any interest or payment. I provided a security under 16 CFR 444.1.
Consumer complaint received 2024-03-30
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)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : I DO NOT HAVE A SOCIAL SECURITY NUMBER BUT ITIN 95 % OF THE CREDIT REPORT BELONGS TO SOMEONE ELSE NAMES NOT RECOGNIZED XXXX XXXX, XXXX XXXX XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX EMPLOYERS NOT RECOGNIZED XXXX XXXX SERVICES SOCIAL SECURITY NUMBERS NOT RECOGNIZED XXXX : XXXX XXXX XXXX XXXX XXXX {$8700.00} XX/XX/XXXX XXXX CARD ************ {$7000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$4600.00} XX/XX/XXXX XXXX CARD ************ {$4400.00} XX/XX/XXXX XXXX XXXX XXXX *************** {$2700.00} XX/XX/XXXX XXXX **************** {$2200.00} XX/XX/XXXX XXXX XXXX XXXX {$1900.00} XX/XX/XXXXXXXX XXXX XXXX  **************** - XX/XX/XXXX XXXX XXXX************** - XX/XX/XXXX REGIONAL XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX ************ - XX/XX/XXXXXXXX XXXX XXXX XXXX*********** - XX/XX/XXXX XXXX XXXX DC ************ - XX/XX/XXXX XXXX XXXX **************** - XX/XX/XXXX MACYS/CBNA **************** XXXX XX/XX/XXXX 15 U.S.C, 1681section 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2023-12-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC (WA)

This is a supplement to complaint XXXX. 

In addition to my concerns about the lack of disclosure of the biweekly payments not being applied to my mortgage, on XX/XX/XXXX ( at like XXXXXXXX XXXX ) my second biweekly payment of {$2500.00} was taken from my XXXX account through XXXX 's autopay. It did not show on XXXX 's website until XX/XX/XXXX and it says the amount of {$4900.00} ( on a total payment owed of {$4400.00} ) is STILL not applied to my account even a day after the mortgage payment has been made in full. As of XX/XX/XXXX, it says " Partial Payment ( Unapplied ) {$4900.00}. '' The chat representative XXXX XXXX said the only say to apply the money the same day is to make the payment all at one time. But that makes zero sense and there is no such disclosure in the biweekly payment sign-up option. So XXXX is keeping my money ( and the money of everyone similarly situated ) and earning interest on it while charging me more interest and not crediting my account. This is deceptive and almost certainly illegal.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Consumer Financial Protection Bureau Attention : Complaints Division XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Complaint Regarding Failure to Remove Fraudulent Inquiries Despite Identity Theft Report Dear Sir/Madam, I am writing to express my serious concern regarding the handling of fraudulent inquiries on my credit report by Trans Union XXXX Despite multiple attempts to rectify this issue and providing evidence of identity theft, I have encountered significant obstacles in having these erroneous inquiries removed from my credit report. 

On XXXX XXXX XXXX I became aware of unauthorized inquiries on my credit report, indicating potential identity theft. Without delay, I took immediate action by reporting this matter to Trans union and providing all necessary documentation, including an identity theft report. However, to my dismay, these fraudulent inquiries persist on my credit report, causing undue distress and jeopardizing my financial well-being. 

What is particularly troubling is the response I received from Trans Union, suggesting that these inquiries are attributed to a third party rather than acknowledging the clear evidence of identity theft provided by me. This refusal to acknowledge the gravity of the situation and take appropriate action to rectify it is deeply concerning and reflects poorly on the integrity of your institution. 

As a consumer who has diligently followed the necessary procedures outlined by your agency to address identity theft, I implore you to take immediate action to rectify this matter. It is imperative that these fraudulent inquiries are promptly removed from my credit report to prevent further harm to my financial reputation and restore my peace of mind. 

Furthermore, I urge Trans Union to review its protocols and procedures for handling cases of identity theft to ensure that consumers receive the necessary support and protection they rightfully deserve. Identity theft is a serious crime with far-reaching consequences, and it is essential that agencies such as yours demonstrate a commitment to effectively combatting it. 

I trust that you will give this matter the urgent attention it warrants and take the necessary steps to address it promptly. I look forward to receiving confirmation of the removal of these fraudulent inquiries from my credit report within a reasonable timeframe. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: ALLY FINANCIAL INC. (MN)

I got an Ollo Credit Card, now moving to Ally Bank, about ayear and a half ago. They advertise a Variable Interest Rate on their website of 23.99-28.99 %. 

I have been consistently charged 33.24 % since the initiation of the card, resulting in larger monthly payments.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The vehicle was stolen and covered by insurance and cap insurance. The car company is reporting that a balance is owed even though they received payment from the insurance and gap insurance companies. During phone calls after the vehicle theft, loan company told me to cease payments but are now showing a balance for interest incurred between the theft and when they received payments from insurance company and gap insurance company. Loan account was never late and is paid in full but loan company is reporting a balance due and late payment.
Consumer complaint received 2018-10-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (CT)

Received call after call all hours of the day on my cell phone while im at work. Then not sure how this happens but my phone would just play the debt collection recording all by itself with screen locked in my pocket every half hour for entire day all hours of day and night. i would be on my phone using it for something else the message would play. phone in my pocket at doctors office for an appointment and outloud on speaker the debt collection message would play. That should 100 % be illegal. I called to ask them to stop and they denied it. i didnt set my phone to play this message every half hour 24/7. I had to take my phone to XXXX and they ended up doing a factory reset.
Consumer complaint received 2017-09-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

capitol one or XXXX XXXX wrongfully sued me for another companies debt. XXXX XXXX a former busineess checks used to bounce and i 'm just a employee. accountant did not deposit money into accounts for checks to clear. if a job or business is responsible for paying the employees.employees should not be held responsible for bounced checks or fees. owners should be sued and accountants. XXXX XXXX XXXX XXXX XXXX XXXX embezzled money did not deposit accounts and opened up businesses illegally. XXXX XXXX embezzled over a million dollars from XXXX XXXX Alone. I had no idea about this debt and is a business debt not a consumer.
Consumer complaint received 2023-08-08
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. (AZ)

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

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2024-03-30
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. (UT)

I called the credit card company regarding them reporting on my credit report and found out that they only need the primary users consent to make changes to their card, such as authorizing another user. This company has stated multiple times on the same call that they do not require consent from the person being added just to the person who is the primary on the card, even though this would directly affect the newly added persons XXXX XXXX and credit reporting. This seems like a predatory practice as anybody could be added to a card as an authorized user and would directly affect their credit. 
My husband and I called about authorizing me soley to speak about balance and nothing else. We were not given any information about this showing on my credit and negatively impacting it. Had both of us been properly informed of this we would not have made the decision. I feel that this goes against XXXX regulatory practices and is again a predatory practice on behalf of this financial institution
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX Transunion and XXXX are not complying with fair credit report act guidelines now I have made complaint of these situations and Im not at liberty to keep wasting my time my rights are being violated and what the credit bureaus have done is illegal and upsetting I have made my payments on time on all my accounts and there also is accounts on my credit report that are over XXXX years and it has no right to be on my credit the law is the law and you need to enforce to them that they are breaking it Im not going to repeat my statement i will take full legal action against all responsible because of not abiding by the law these accounts need updated and deleted I will attach my proof now you enforce this matter or I will sue both parties for breaking the law and they are reporting late payments which is not relevant to what it is I can prove I pay all my accounts on time I have had enough of their foolish lies they are to abide by the rules
Consumer complaint received 2024-07-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

I am writing to formally lodge a complaint against Chase Bank regarding their handling of my visa chargeback request. On XX/XX/2024, I received a call from a woman named XXXX XXXX, who provided me with erroneous information and displayed a lack of knowledge about the specifics of the visa chargeback code for services not as described. 

Specifically, XXXX XXXX was unable to explain why Chase did not update my visa chargeback code to reflect " services not as described, '' despite my written request on XX/XX/2024, and follow-up phone calls on XX/XX/XXXX and XX/XX/2024, to ensure the code was correctly updated. The quality of customer service provided by XXXX XXXX and the thoroughness of the investigation conducted by Chase fall well below the standards I expect from a financial institution of their standing. 

I believe Chase Bank has failed to adequately address and investigate my chargeback request, and their continued lack of responsiveness and understanding of the issue is causing me significant distress and inconvenience. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter and take appropriate action to ensure Chase Bank adheres to proper protocols for handling chargeback requests, provides adequate training to their staff, and improves their customer service standards to meet the needs of their customers. 

Thank you for your attention to this matter.
Consumer complaint received 2023-12-30
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. (FL)

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. Also I'm victim of true identity theft, and the listed accounts below don't belong to me. 

I directed XXXX, XXXX, and Equifax to reinvestigate these accounts, I even sent certified mail, and spoke to countless people at all three reporting agencies sent over all of the requested correspondence that I believe was disregarded. To be clear these accounts don't belong to me, remove them expeditiously. 

XXXX : Account # - XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : DEPARTMENT STORES XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Account # : XXXX XXXX XXXX - Account # : XXXX XXXX - Account # : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-03-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2024-03-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2018-10-13
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: Experian Information Solutions Inc. (FL)

They have identity on all 3 of my credit report XXXX, XXXX XXXX, Experian credit reports. They are reporting wrong information. accounts I never opened. In know accounts. I am a victim of identity theft. Accounts open by someone posing as me. These accounts are not mine. XXXX XXXX XXXX, XXXX amount of XXXX XXXX XXXX XXXX XXXX amount of XXXX. XXXX XXXX XXXX XXXX XXXX amount of XXXX. 2 accounts from the same company. account XXXX XXXX XXXX amount of XXXX. 2nd account XXXX XXXX XXXX amount of XXXX. XXXX XXXX XXXX XXXX amount of XXXX. These accounts I never opened someone posed as me to open these accounts! This is identity theft fraud. None of these accounts I have no knowledge of. 
I am willing to prosecute.