davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (OR)

I had a credit card for my business. I closed the credit card account in XX/XX/2023 and Chase Bank is still allowing charges to go through on a closed credit card. I just received a statement with new charges from XX/XX/2023. I have contacted them about this and they tell me the account is showing as closed. 

I had a personal credit card through Chase that I closed in XX/XX/2023. They still allowed charges to go through after I canceled the card and I had a bill and late fees come to me in XX/XX/2023 for purchases made in XX/XX/2023 on a closed card.
Consumer complaint received 2022-11-08
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. (IL)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2023-04-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Northstar Location Services, LLC (OR)

Despite having paid XXXX, my credit still indicates that I owe them {$780.00}. I also paid the {$1900.00} I owed XXXX XXXX XXXX on the " XXXX XXXX  '' account. First, they sent XXXX a check for {$1900.00}, which they later returned to me. They took this salary from my account after two weeks. 
They issued me a {$700.00} cheque after I utilized the account, which I cashed. They mailed me {$300.00} after I used {$1200.00}, and I cashed the check. They eventually took the balance owed from my account and barred it as a result of fraud. The card was never again used. They continue to insist that I owe them an additional {$1900.00} despite the fact that we previously reached a settlement.
Consumer complaint received 2023-09-28
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. (NY)

I write this letter with an overwhelming and enduring sense of frustration, distress, and annoyance that has festered over the excruciatingly long period of more than two years. It is an outrage that I am compelled to address an issue of such gravity in this manner. For over two years, I have pleaded, cajoled, and implored your bureau to acknowledge my identity theft claims. Yet, your obstinate refusal to do so has persisted, subjecting me to an inexcusable ordeal that defies comprehension. The relentless nightmare of identity theft has cast a shadow over my life, causing immeasurable distress and heartache. Despite the irrefutable evidence I have provided, including official reports filed with law enforcement agencies, your bureau has chosen to ignore my pleas for justice. XXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX. Please delete these accounts immediately.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I appreciate your assistance in REMOVING a portion of the data in my credit file that resulted from FRAUD, but I still have items passed on that should be removed or blocked. According to FCRA segment 605, you must destroy any records found on an ID THEFT REPORT. I remembered this report from a previous letter and am including it again. I've informed my lawyer about my intentions, and they are eager to hold you accountable for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-08
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (TX)

IC systems has on my credit. I owe {$290.00} for charter communications. I paid XXXX group. {$310.00}. XX/XX/. I have disputed with all XXXX bureaus and the bureaus say that they verified the amount as accurate. I have all my documents. That says it's paid. I even have from IC system dispute center. I don't owe them. It's unexplained why it's still on my credit and who are the bureaus verification with Because XXXX. IC system and XXXX group says I don't owe them it has been paid.
Consumer complaint received 2023-09-05
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. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-09-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX 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 2023-09-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/XXXX XXXXXXXX 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 2023-12-30
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

Despite numerous requests to remove a debt due to ID theft Equifax, XXXX and XXXX XXXX XXXX you need to violate the fcra regarding credit reporting negatively a debt that does not owed and due to ID theft.
Consumer complaint received 2023-09-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion is currently reporting past due payments on my credit report where the date of first delinquency is over XXXX XXXX XXXX. According to the FRCA these past due payments need to be deleted. I have requested them to remove them multiple times and they refuse to do so. XXXX and XXXX removed them the first I disputed them. The account the are innacuretly reporting is XXXX XXXX XXXX  and the first date of delinquency is XX/XX/2016.
Consumer complaint received 2022-11-09
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)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
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 XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-11-10
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 this creditor ( XXXX ) has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-11-10
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. (MD)

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 Account Number XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX XXXX, Account Number XXXX XXXX XXXX, Account Number XXXX XXXX  XXXX, Account Number XXXX XXXX XXXX XXXX Account NumberXXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX, Account details Account Number XXXX XXXX, Account Number XXXX XXXX XXXXXXXX XXXX, Account Number 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 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.

These inaccuracies are stopping me from getting a house for my family.
Consumer complaint received 2023-12-30
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (MA)

On XXXX XX/XX/XXXX- I applied for an American Express Everyday Credit Card which had a Promotional Offer of 0 % APR interest for XXXX  months for a balance transfers and 0 % APR interest for new purchases for the first XXXX  months of opening the account. The Balance Transfer fee was 3 %. American Express made me read the Terms and Conditions of the card and I printed them out at XXXX XXXX  ( I have a copy - previously sent to CFPB ). At XXXX XXXX, I received an email that I was approved for the card ( previously sent to CFPB ). I borrowed {$5000.00} from American Express and used the funds to pay {$4000.00} towards a high interest credit card and another {$1000.00} towards another high interest credit card. The Balance Transfer Fees charged was {$150.00} dollars. When I received my statement on XXXX XX/XX/XXXX, along with the {$150.00} Balance Transfer Fee, American Express also charged me {$66.00} in Interest charges with a 23.24 % Interest Rate, along with the Balance Transfer Fees. ( previously sent to CFPB ). 

I was charged {$200.00} in XXXX  months for a Credit Card that I was promised 0 % interest for XXXX months. After submitting a complaint to CFPB - nothing was resolved in my favor. I took out the AMEX loan to get me out of debt, not cause more debt. 

I then took out a loan with a local bank to pay off the American Express Card because I was lied to about the 15 month 0 % interest rate. The balance on my loan was {$4800.00}. On XX/XX/23, the bank paid off the AMEX card balance for {$4600.00} and I made my monthly payment for {$150.00} on XX/XX/23. This paid off the loan. 

Today, on XX/XX/23 - AMEX sent me a statement saying I owe them {$49.00} for a {$2500.00} balance from XX/XX/23. Please see attached. 

I do not believe the {$49.00} Interest charge is warranted. I took out a {$5000.00} loan and even after making XXXX months of large payments, I still had a balance of almost {$5000.00} ( {$4800.00} ) due to American Express 's Exorbitant Fees and Interest Charges. 

American Express is a Predatory Lending, first by promising me a 0 % interest rate and then not fulfilling that promise, and later by charging me an Interest Fee ( {$49.00} ) after the loan is paid off. 

American Express is attacking American Consumers using Bait and Switch tactics during their times of need. 

I will also be writing the Federal Trade Commission and my Congressional Representatives with this complaint, including the history and artifacts.
Consumer complaint received 2024-03-09
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: Experian Information Solutions Inc. (CA)

I am writing to formally address the ongoing issue regarding late open accounts on my credit report and express my frustration with the multiple unsuccessful attempts to have them corrected. Despite numerous efforts on my part, the inaccuracies persist, causing significant distress and damage to my financial standing. 

Since discovering the late open accounts on my credit report, I have diligently followed the prescribed procedures outlined by your agency to rectify these issues. I have submitted formal disputes, provided supporting documentation, and cooperated fully with your investigation process. However, despite my persistent efforts, the inaccuracies remain unresolved. 

The presence of these inaccuracies not only undermines the accuracy and integrity of my credit report but also poses a serious threat to my financial stability. As a responsible consumer, I find it unacceptable to be unfairly penalized for inaccuracies that do not accurately reflect my credit behavior. 

Furthermore, the lack of progress and communication regarding the status of my disputes has further exacerbated my frustration and eroded my trust in your agency. I have not received any updates or explanations regarding the reasons for the repeated failure to correct these inaccuracies, leaving me feeling disregarded and powerless in protecting my financial interests. 

I demand immediate and effective action to thoroughly investigate and rectify these situations by expediting the correction of the late open accounts from my credit report. Additionally, I request transparent communication and regular updates regarding the steps being taken to address these matters. 

Given the urgency of these issues, I urge you to prioritize their resolution and expedite the correction process. Any further delay or lack of communication will compel me to escalate this complaint to relevant regulatory authorities and pursue all available legal remedies to seek redress for the harm caused to my creditworthiness and financial standing. 

I trust that you will take this matter seriously and prioritize its resolution to avoid any further escalation. Please acknowledge receipt of this complaint and provide assurance that immediate steps will be taken to address my concerns. With this, I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX XXXX Balance Owed : {$1600.00} ; XXXX XXXX  XXXX XXXX Balance Owed : {$2200.00} ; XXXX XXXX  XXXX Balance Owed : {$39000.00}.
Consumer complaint received 2023-09-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-10-19
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I am writing to dispute fraudulent charge on my CREDIT REPORT BY XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2018. I am a victim of identity theft, and I did not OPEN THIS ACCOUNT. I HAVE PROVIDED A IDENTITY THEFT REPORT AND A POLICE REPORT. I HAVE BEEN DISPUTTING THIS ACCOUNT FOR A WHILE AND NOTHING HAS COME OF IT. DISPITE PROVIDING INFORMATION REGARDING THE IDENTITY THEFT. PLEASE HELP. THIS IS NOT MY ACCOUNT, AND XXXXXXXX XXXX XXXX IS NOT COMPLYING WITH THE REQUEST. XXXX AND EXPERIAN HAVE FAILED TO FIX THIS ERROR.