davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-12
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: CrossCountry Mortgage LLC (RI)

CROSSCOUNTRY MTG/XXXX ACCOUNT # XXXX Late payment reported on ( XXXX, XX/XX/2020 ). Please update the account as Paid/Current The late payments were reported during the COVID pandemic and congress passed a law on XX/XX/2020 stating creditors should not report any late payments. The law says the following : The Coronavirus Aid, Relief, and Economic Security ( XXXX ) Act, passed by congress and signed into law on XX/XX/2020, contains a provision explicitly addressing the FCRA. Section 4021 of the Cares Act amends Section 623 ( a ) ( 1 ) of the FCRA ( 15 USC 1681s-2 ( a ) ( 1 ) ). Now, a furnisher of data to the consumer reporting agencies that allows its customers to defer payments, make partial payments, modify credit terms, or makes other arrangements for its customers affected by XXXXOVID-19, should not report the account as delinquent, but should continue reporting it as current, unless the account was delinquent before the COVID-19 related deferral or modification, and has not been subsequently brought current. These new reporting requirements are retroactive to XXXX XXXX, 2020 and do not apply to charged-off accounts. Please remove the late payments on XXXX and XXXX 2020 as its a direct violation of the Coronavirus Aid, Relief, and Economic Security Act. Thank You, XXXX XXXX
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. (FL)

In accordance with the fair credit reporting act 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. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. Also 1581 U.S.C section 604 A section 2.
Consumer complaint received 2022-11-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: ALLY FINANCIAL INC. (NY)

I have a mortgage payment I have a car loan my car is not have it because XXXX he will get back with my car oh XXXX XXXX I lost XXXXXXXX XXXX  pay for them and mortgage payment also because its nobody help XXXX exiting the car my car is no pay for them and XXXX XXXX  I have a doctors note also
Consumer complaint received 2024-04-04
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX and Transunion credit bureaus is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX.
Consumer complaint received 2023-10-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

On XX/XX/2023, I was denied a credit card with USAA. Title 15 subsection 1611, False and misleading denial of my own credit. I was sent a letter of my denial with unexplained and misinformation attached to the reasons for a denial.
Consumer complaint received 2023-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (AZ)

account with Chase has been closed for over a year but still excessive interest and fees keep accruing unable to keep making payments and payments already made don't even cover the interest charged. Business is currently under review for Bankrupt but might be able to settle the debt with the bank. Please have the right person contact me
Consumer complaint received 2023-10-26
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. (MD)

I'm genuinely troubled by the presence of public records on my credit report that don't belong to me. This issue is causing me immense distress. I earnestly request that you address and correct this situation as soon as possible.
Consumer complaint received 2023-05-10
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This car was sold in violation of the state lemon laws. I followed proper procedure and can not be held liable for the dealerships deceptive practices according to the law. Remove the false status and update for 100 % accuracy. 
XXXX XXXX XXXX XXXX Balance : {$13000.00}
Consumer complaint received 2023-10-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (TX)

I received my federal tax refund on XX/XX/XXXX into my account hours later my account was placed on restriction for XXXX days and then I received the email requesting information to verify the deposit. I sent in all the information to verify all the deposits that they asked for after sending those documents in my account was closed on XX/XX/2023. I receive numerous emails afterwords asking for more documents and information to verify my address and that I am the recipient of the account for a closer check and I was also told that I have to wait up to 14 days for processing and XXXX calendar days to receive a check after that I receive multiple emails telling me that my deposit doesnt comply to the agreement and that I wasnt eligible for a refund and I received those emails over and over for the past month and a half now and everyone that I talk to tell me that they can not give me no information or detailed information about my account and to email their support team. I have emailed a support team and they told me that they also cant verify or give me any information about my account and to give the company a call. I gave the company a call and they told me to email so its a cycle that they keep running me in.
Consumer complaint received 2023-10-07
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. (NY)

Based on the provided account information from the credit report for XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ), here are the inconsistencies and incomplete information among the XXXX major credit bureaus ( XXXX, Experian, and XXXX ) : Account Number : XXXX, Experian, and XXXX all report a partial account number as " XXXX. '' Account Type : XXXX reports it as an " Open account. " Experian reports it as an " INSTALLMENT '' account. 
XXXX reports it as an " Open Account. '' Account XXXX - XXXX : XXXX reports " XXXX account. " Experian reports " XXXX XXXX. '' XXXX reports " XXXX Account. '' XXXX XXXX : XXXX and Experian report " Individual account '' as the bureau code. XXXX reports " XXXX Account '' as the bureau code. 
Account Status : XXXX and Experian report " XXXX '' as the account status. 
XXXX reports " OK '' as the account status. 
Monthly Payment : None of the bureaus report a monthly payment for this account. 
Date Opened : XXXX, Experian, and XXXX all report a date opened of " XX/XX/2023. '' Balance : XXXX, Experian, and XXXX all report a balance of " {$770.00}. '' No. of Months ( terms ) : Experian reports " 1 Month '' as the term for this account. 
XXXX and XXXX do not provide a term for this account. 
High Credit : XXXX, Experian, and XXXX all report a high credit of " {$770.00}. '' XXXX XXXX : None of the bureaus report a credit limit for this account. 
XXXX XXXX : None of the bureaus report past due information for this account. 
XXXX XXXX : Experian reports " Seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department '' as the payment status. 
XXXX and XXXX do not provide a payment status for this account. 
Last Reported : XXXX, Experian, and XXXX all report a " Last Reported '' date of " XX/XX/2023. '' Comments : There are comments indicating that the account is placed for collection. Experian also includes a note about consumer disputes and reinvestigation in progress. XXXX does not provide comments. 
Date Last Active : XXXX and XXXX report a " Date Last Active '' of " XX/XX/2023. " Experian reports a " Date Last Active '' of " XX/XX/2023. '' Date of Last Payment : None of the bureaus report a date of the last payment for this account. 
Two-Year Payment History : Experian reports " CO '' ( charge-off ) for the month of XX/XX/2023, while XXXX reports " OK XXXX for all months. XXXX does not provide a payment history for this account.
Consumer complaint received 2015-07-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX and XXXX have failed to comply with the FAIR REPORTING ACT by not validating, correcting, or removing inaccurate reports. Trans Union in company with the same violation has not removed those reports after proof was sent. I am attaching proof of my 100 % accurate info and per the Fair REPORTING ACT, request that those items and collectors be removed.
Consumer complaint received 2024-04-04
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. (TN)

I Received my credit report from trans union so I can dispute hard inquiries DISPUTE HARD INQUIRIES ASAP- XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2023-10-07
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)

XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ), it appears that there are some inconsistencies and incomplete information among the three major credit bureaus ( TransUnion, XXXX, and XXXX ) : Account Number : TransUnion and XXXX do not provide an account number. 
XXXX reports an account number that is partially masked as " XXXX. '' Account Type : All three bureaus report an " Open Account '' as the account type.

Account Type - Detail : All three bureaus report " Open Account '' as the account type detail.

Bureau Code : All three bureaus report " Individual Account '' as the bureau code.

Account Status : XXXX reports " Notsatisfying XXXX '' as the account status, which is not reported by the other bureaus. 
Monthly Payment : XXXX reports a monthly payment of " {$0.00}, '' while TransUnion and XXXX do not provide this information. 
Date Opened : XXXX reports a date opened of " XX/XX/XXXX, '' while TransUnion and XXXX do not provide this information. 
Balance : XXXX reports a balance of " {$2000.00}, '' while TransUnion and XXXX do not provide this information. 
High Credit : XXXX reports a high credit of " {$2600.00}, '' while TransUnion and XXXX do not provide this information. 
Credit Limit : XXXX does not report a credit limit, while TransUnion and XXXX do not provide this information.

Past Due : None of the bureaus report past due information.

Payment Status : XXXX reports " At least 120 days or more than four payments past due '' as the payment status, which is not reported by the other bureaus. 
Last Reported : XXXX reports a " Last Reported '' date of " XX/XX/XXXX, '' while TransUnion and XXXX do not provide this information. 
Date Last Active : XXXX reports a " Date Last Active '' of " XX/XX/XXXX, '' while TransUnion and XXXX do not provide this information. 
Date of Last Payment : None of the bureaus report a date of the last payment. 
Two-Year Payment History : XXXX reports `` OK '' for most months, with one instance of " CO '' ( which typically means charge-off ). TransUnion and XXXX do not provide this information.
Consumer complaint received 2023-08-04
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: Experian Information Solutions Inc. (AR)

XXXX. XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX I did not consent nor authorize to be reporting on my consumer report block and remove pursuant 15 USC 1681c-2
Consumer complaint received 2023-10-07
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. (KY)

Equifax, I requested the method of verification and description of reinvestigation procedures for the following five 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
15 USC 1681i ( 7 ) ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
Consumer complaint received 2023-11-07
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: EQUIFAX, INC. (MI)

I am writing this letter to the fraudulent inquiry on my credit report. This inquiry is fraudulent and I need this inquiry removed from my credit report. Here is inquiry listed below. 
XXXX XXXX XX/XX/2023
Consumer complaint received 2023-10-07
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 (IL)

To Whom It May Concern, I am writing to request a reconsideration of my recent denial for a credit limit increase on my American Express card account. I want to reiterate my strong track record of responsible financial behavior, including consistent on-time payments and a proactive approach to resolving issues promptly. 

I recently made a significant payment of {$860.00}, clearly demonstrating my commitment to reducing outstanding balances swiftly. I kindly urge you to reflect this payment on my credit report, as it accurately represents my current financial standing. I understand the importance of an accurate credit history and believe that this update would reflect my responsible financial conduct more accurately. 

Despite a past incident involving an ACH payment failure, which I promptly rectified, I have taken proactive measures to ensure the stability of my payment methods. I am fully committed to maintaining a reliable payment system to prevent any future issues in this regard. 

Furthermore, I am enthusiastic about expanding my membership with American Express through a charge card. I look forward to the opportunity to demonstrate my financial responsibility on a broader scale. Please consider this as an indication of my commitment to responsible credit management. 

I kindly request that you review my application again, taking into account my responsible financial conduct and my recent efforts to resolve any concerns. Granting this credit limit increase and reflecting my recent payment on my credit report would not only benefit me but also enhance my relationship with American Express. 

I am eager to continue being a responsible and valued member of American Express, and I am hopeful that you will reconsider my request promptly. I kindly request to be contacted as soon as possible regarding the status of my application. 

Thank you for your understanding and consideration. 


Valued XXXX, XXXX XXXX
Consumer complaint received 2023-10-07
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. (MO)

I hope this letter finds you well. I am writing to express my deep disappointment and frustration regarding the second attempt to remove fraudulent items from my Credit Report with Credit Bureaus. Despite my previous efforts to address this issue, I am disheartened to find that the fraudulent charges remain unresolved. 

As I previously communicated, I reported several unauthorized and fraudulent charges on my account. In response, I diligently followed your company 's prescribed procedures, promptly notifying your customer service department and providing all necessary documentation to substantiate my claims. Following a thorough investigation, I was assured that the fraudulent charges would be promptly removed, restoring my account to its accurate state. 

To my dismay, I recently received my most recent account statement, which still reflects the same fraudulent charges that I initially reported. This ongoing issue not only causes financial distress but also erodes my trust in your company 's ability to protect my financial interests. 

I have attached copies of my previous correspondences with your company, as well as the documentation that clearly demonstrates the fraudulent charges in question. It is crucial to emphasize that these charges are the result of unauthorized transactions that occurred without my knowledge or consent, and I have taken all necessary steps to prove their fraudulent nature. 

I urgently request that you take immediate action to investigate and rectify the fraudulent charges on my account. These charges have not only caused undue financial hardship but have also seriously impacted my confidence in your company 's commitment to customer security and satisfaction. 

Additionally, I kindly request that you provide me with written confirmation once the fraudulent charges have been removed from my account, along with an explanation of the corrective actions taken to prevent such incidents from recurring in the future. Customers like me rely on your company 's security measures and prompt resolution of fraudulent activities to maintain trust and satisfaction. 

If this matter is not addressed promptly and resolved to my satisfaction, I may have no choice but to escalate my complaint to the relevant regulatory authorities and seek legal counsel to protect my rights as a consumer. I am asking for your immediate assist to remove the following fraudulent items : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-07
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. (CA)

This is my 8th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by 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 2023-10-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (GA)

I contacted XXXX and XXXX in regards to a debt that appears on my credit report. I was then informed that the debt originated from XXXX XXXX XXXX and it was the result of a unpaid balance of {$230.00} back in XX/XX/XXXX. I informed the representative that I never been insured with XXXX  XXXX  and was unaware on how a vehicle can be insured under my name with them and that I believe I am a victim of identity theft. The representative proceeded to inform me that they have several different accounts under my name registered to a XXXX XXXX XXXX and a XXXX XXXX XXXX amounting to another {$910.00}. She additionally provided me with the billing addresses on the claim. I reassured the representative that I never owned such vehicles, never lived at such addresses and the only car I've ever owned is a XXXX XXXX XXXX. I asked the agent to provide me with further information such as the VIN numbers to the vehicles in question and was told they didn't have any further information on file.