davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Dear Sir or Madam, I am reaching out to contest the presence of a credit account linked to XXXX XXXXXXXX XXXX ACCOUNT # : XXXX within my credit report. My involvement with this account was solely as an authorized user, and I did not grant permission for its inclusion in my credit history. This non-consensual reporting contradicts the provisions outlined in 15 USC 1681 Section 602 ( a ) and 5 USC 1681 Section 602 ( a ) ( 2 ). 

I am formally requesting the immediate removal of this unauthorized account from my credit report. Its presence is having a detrimental impact on my creditworthiness, hindering my ability to explore financial opportunities such as acquiring a new vehicle, securing a loan, or purchasing a home. 

I greatly appreciate your prompt attention to this matter and kindly ask for regular updates regarding the progress of your investigation. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-12
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (MA)

Citi bank closed all of my associated accounts with them ( CITI and Macys ) yet CONTINUES to send me promotional mail asking me to open a loan or new credit card with them - I do not wish to receive any further mail from citi bank regarding opening new accounts since they refuse to open my old accounts.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

In accordance with the Fair Credit Reporting Act. The List of inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told XXXX, XXXX, and Equifax to reinvestigate these inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX / XX/XX/XXXX However XXXX they stated that everything was completed and accurate. But how is that possible if the open date, date of last activity, and much more are incorrect? According to 15 USC 1681i ( 5 ), they are supposed to modify what isnt reporting correctly.

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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-08
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. (MS)

In accordance with the Fair Credit Reporting Act. The List of inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told XXXX, Transunion, and XXXX to reinvestigate these inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However XXXX they stated that everything was completed and accurate. But how is that possible if the open date, date of last activity, and much more are incorrect? According to 15 USC 1681i ( 5 ), they are supposed to modify what isnt reporting correctly.

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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with 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 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 other consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-08
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. (AR)

I hope this letter finds you well. I am writing to file a formal complaint regarding multiple requests to correct late open accounts on my credit report, which have caused me significant frustration and concern. My name is XXXX XXXX, and I take my financial responsibilities seriously. 

Upon reviewing my credit report from Credit Bureaus, I have discovered several instances where open accounts are listed as late or delinquent, which are inaccurate and damaging to my creditworthiness. The credit report shows that several accounts were opened at a later date than they were actually initiated. This incorrect information implies that I have been responsible for late payments on these accounts, which is not the case. 

Negative Impact : These inaccuracies have had a detrimental effect on my credit score, making it more difficult for me to access credit and achieve my financial goals. I have always made timely payments on my accounts, and these inaccuracies do not reflect my credit history accurately. 

Frustrating Discrepancies : I have made multiple requests to correct these inaccuracies with 3 Credit Bureaus, but the corrections have not been reflected on my credit report despite assurances that they would be updated promptly. 

I understand the importance of having an accurate credit report, as it is a critical factor in determining my financial well-being. These inaccuracies have caused me undue stress and frustration, and I believe it is essential to address them promptly. 

I kindly request that the 3 Credit Bureaus take immediate action to investigate and rectify these issues on my credit report. They have to correct the inaccurate reporting of late open accounts to reflect the correct opening dates, update my credit report to accurately reflect my payment history and creditworthiness and provide me with a revised and accurate credit report as soon as possible, showing the necessary corrections. I have attached copies of my credit report highlighting the inaccuracies for your reference. 

I trust that Credit Bureaus will take the necessary steps to rectify this situation promptly. Please keep me informed of the progress of your investigation and any actions taken to resolve these issues. Specifically, I request the following late open accounts to be corrected right away : XXXX XXXX XXXX Balance : {$97000.00} XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXXXXXX Balance : {$2900.00}.
Consumer complaint received 2023-09-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NC)

I recently reviewed a copy of my credit report and I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2023-09-08
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: First Credit Services Inc. (CO)

First Credit Services has attempted to contact me abusively by calling me multiple times a day with spoofed phone numbers at random intervals. I have already mailed them multiple written requests to respond to me only in written communication which they have blatantly ignored. I also asked for proof that I own this debt, the chain of custody on the debt, from whom they purchased the debt from, when they purchased the debt, and if they are wanting a settlement or a full lump sum. They have not responded to this request either. Phone calls from First Credit Services are as follows : 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 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 2023-09-08
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. (CA)

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 XXXX XXXX : Account Number : XXXX - {$21000.00} - XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX - {$21000.00} - XXXX Account Name : XXXX XXXX XXXX - Account Number : {$21000.00} - XXXX Account Name : XXXX XXXX XXXX - Account Number : {$23000.00} - XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX - {$23000.00} -XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I hope this letter finds you well. I am writing to formally lodge a complaint concerning multiple inaccurate address listings and fraudulent inquiries on my credit report, which have caused significant distress and concern. My name is XXXX XXXX, and I have been a responsible and diligent credit user for many years. 

I recently reviewed my credit report from XXXX, Equifax and XXXX Credit Bureaus and discovered several inaccuracies and fraudulent inquiries that require immediate attention. I noticed that my credit report contains multiple addresses that I have never resided at. These inaccuracies not only cast doubt on the reliability of my credit report but also raise concerns about potential identity theft or fraudulent activities. There are several credit inquiries on my report that I did not initiate. These inquiries were made without my consent or knowledge, and they were not related to any legitimate credit applications or transactions I have undertaken. I understand the importance of maintaining an accurate credit report, as it plays a crucial role in my financial well-being. These inaccuracies and fraudulent inquiries not only damage my creditworthiness but also create a sense of vulnerability and insecurity. 

I kindly request that you take immediate action to investigate and rectify these issues on my credit report. I have attached copies of my credit report highlighting the inaccuracies and fraudulent inquiries for your reference. 

I understand the importance of maintaining accurate credit reporting and trust that the XXXX credit bureaus will take the necessary steps to rectify this situation promptly. Please keep me informed of the progress of your investigation and any actions taken to resolve these issues. I believe it is essential to highlight the issues I have encountered about this fraudulent items : 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 2023-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

I was charged a {$29.00} Return Payment Fee on XX/XX/2023 for insufficient funds for a payment on my American Express Delta SkyMiles credit card. 

I already tried to request a refund for this fee over the phone, but it didn't work out. I was hoping for a one time exception as a loyal customer with American Express for years now. 

Looking forward to hearing from you soon.
Consumer complaint received 2023-09-08
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. (AR)

I hope this letter finds you well. I am writing to formally lodge a complaint concerning multiple inaccurate address listings and fraudulent inquiries on my credit report, which have caused significant distress and concern. My name is XXXX XXXX, and I have been a responsible and diligent credit user for many years. 

I recently reviewed my credit report from XXXX, XXXX and Transunion Credit Bureaus and discovered several inaccuracies and fraudulent inquiries that require immediate attention. I noticed that my credit report contains multiple addresses that I have never resided at. These inaccuracies not only cast doubt on the reliability of my credit report but also raise concerns about potential identity theft or fraudulent activities. There are several credit inquiries on my report that I did not initiate. These inquiries were made without my consent or knowledge, and they were not related to any legitimate credit applications or transactions I have undertaken. I understand the importance of maintaining an accurate credit report, as it plays a crucial role in my financial well-being. These inaccuracies and fraudulent inquiries not only damage my creditworthiness but also create a sense of vulnerability and insecurity. 

I kindly request that you take immediate action to investigate and rectify these issues on my credit report. I have attached copies of my credit report highlighting the inaccuracies and fraudulent inquiries for your reference. 

I understand the importance of maintaining accurate credit reporting and trust that the 3 credit bureaus will take the necessary steps to rectify this situation promptly. Please keep me informed of the progress of your investigation and any actions taken to resolve these issues. I believe it is essential to highlight the issues I have encountered about this fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .
Consumer complaint received 2024-03-12
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. (SC)

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within XXXX business days : ( XXXX ) Appropriate identity documentation ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the customer 's identification of the pertinent data ; and ( XXXX ) a customer declaration indicating that the data is unconnected to any transactions. 

XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$13000.00} Chapter XXXX Bankruptcy Dismissed Date Filed/Reported XX/XX/2023 Reference # XXXX Chapter XXXX Bankruptcy Dismissed Date Filed/Reported XXXX # XXXX
Consumer complaint received 2023-09-08
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. (FL)

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/2023, I got a regular email from Chase letting me know that I had a new statement for my checking account. I have had this Chase account for over XXXX years ; I get this email each month, log in, and save a copy of the statement. 

This time, when I logged into Chase, they would not show me any of my accounts. Chase presented a page with XXXX links ( include a XXXX page legal agreement ) and an 'I agree ' button. I could not access any of my accounts, transfer money, view statements, etc. unless I agreed to these new documents I was surprised with. 

Buried inside the XXXX page legal agreement is a binding arbitration clause with vague instructions to opt out. It took me XXXX minutes digging through Chase 's site to find the place to opt out. 

I need access to my bank account, and it was held XXXX by Chase.
Consumer complaint received 2023-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (AZ)

I cleared the entire balance with XXXXXXXX XXXX XXXXXXXX XXXX card, issued by Comenity Bank XXXX days before the due dates. Talked to the customer representative and was promised that the amount listed in the total balance is the total amount. 

Two weeks later I checked the online account and was surprised to see {$58.00} and some cents charges. I called the bank customer service and talked to two people, a customer service and a bank manager. They both said the bank policy is to charge two months in rear interest. They will not waive the charges.

I have canceled my credit card with Comenity Bank. Although it is not a large sum of money, I believe it is inappropriate for the bank to charge me two months of interest in the rear.

I would appreciate your help. 
Regards,