davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (KY)

My credit report from Equifax contains inaccurate information. On a collection account, you can not report a late payment or a past due ; doing so is a violation. Due to incorrect information being published on my report, this has made me XXXX  and prevented me from living my life to the fullest.
Consumer complaint received 2015-08-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (TX)

I had a debt with a phone service which I paid thru XXXX. So I checked my credit report and it says that I still owe for that phone bill but now it 's says from diversified agency. How can I take off this XXXX debt from diversified?
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I was reviewing my credit report and I see that a negative item was reporting. The account you are reporting is identified as an installment loan which is factually incorrect. The true account type for this account is a Credit Sale Agreement. I have the right to an accurate credit file and discrepancies like this are unacceptable. Please remove this account from my credit file immediately. 

Account Number : XXXX Account Name : XXXX
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

A bankruptcy entry has been falsely listed under the public records section of my credit report, inaccurately reflecting my credit history and negatively impacting my financial standing. Despite immediate action on my part, including contacting the Clerk of the Court for verification, where it was confirmed that no information regarding a bankruptcy filing in my name has been communicated to any credit reporting agency, the entry remains. I have attached a letter from the Clerk of the Court and a section of my credit report highlighting the disputed entry, with sensitive information carefully redacted for security.
Consumer complaint received 2023-10-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I received a hard inquiry on my credit accounts from Capital One on XX/XX/2023. However, I did not attempt to open an account with Capital One, which leads me to believe that my identity was stolen. Also, someone may have used my identity to create a XXXX account in my name on XX/XX/2023.
Consumer complaint received 2021-08-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (NY)

My name is XXXX XXXX. I used to have a Chase bank account which was closed by Chase with without providing any reason. To be honest I was in a bad marriage where I found that my wife was hiding a drug addiction and I believe she was writing bad checks in my name. Chase never took money from my account actually they sent me a check when they closed the account for the amount I had in the bank at the time. Its been several years I am no longer with my wife ... I have worked extremely hard to clear up all the damage she did and raised my credit score from a low XXXX to being in or near the XXXX now. I tried to open an account again with Chase as it is just convenient as their locations are everywhere. Everything went through and I actually received the debit card a week later. They then again closed the account. I went to the bank and contacted their customer service and they told me that I am permanently banned. I explained the whole situation and said if there is anything that can be done to fix my name with their bank. They told me I do not owe any money but there was nothing that can be done I am just banned for life. No reason as to what was done using my name that I did not even do.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I sent a letter out to XXXX, XXXX XXXX Equifax XX/XX/2023. However it been more than 30 days and the credit bureaus failed to send my investigations back. This is not making sense. According to the law 15 U.S.code 1681 I Procedure in case of disputed Accuracy of any item information contained in consumer 's flie at a consumer reporting agency and the consumer notifies the agency directly or indirectly through a reseller of such dispute the agency shall free of charge conduct a reasonable reinvestigation to determine whether the disputed information is Inaccurate and record the current status of the disputed information or delete the item from file in accordance with paragraph ( 5 ) before the end of 30 day period beginning on the date.
Consumer complaint received 2023-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (PA)

I opened a Chase Sapphire Preferred ( CSP ) card on XX/XX/XXXX ( approximate ), and the sign-up bonus is XXXX UR points for spending XXXX dollars in 3 months. After getting the XXXX bonus, I discovered that my friend had a better sign-up bonus - XXXX points after spending XXXX dollars in 6 months. So on XX/XX/XXXX ( approximate ), I called Chase customer service to ask whether I could get that offer. At that time, the customer service person admitted that there was indeed a better sign-up reward offer and said that after I completed the task of XXXX dollars, I could contact customer service to ask for the additional XXXXXXXX XXXX His tone was pretty sure ; it sounded like I would definitely get the extra reward if I could finish the task. I called Chase again on XX/XX/XXXX ; their reply was the same as the last time. 

I finally completed the task of XXXX dollars on XX/XX/XXXX, and I called customer service with great anticipation to ask for a reward. However, at this time, the customer service person completely denied the XXXX offer. After discussion, finally, she agreed to submit an application for me, but it would take two weeks for others to approve it. On XX/XX/XXXX, I called Chase to check the status of the application. The reply is that they refused my XXXX offer. 

I am very disappointed. If Chase people do not want to give me the XXXX offer, they could have refused me earlier on XX/XX/XXXX or XX/XX/XXXX. On the phone, they could notice that I had a chance to get rejected for the offer. However, they made me feel that I would definitely get the XXXX offer. To complete the task of XXXX dollars, from XX/XX/XXXX to XX/XX/XXXX, I almost used the CSP card for every spend. If I had known the danger of the XXXX offer before, I would use other credit cards, which can generate much more reward points than CSP.
Consumer complaint received 2023-10-18
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. (TX)

In accordance with the Fair Credit Reporting Act, the following accounts are in violation of my rights : XXXX XXXX XXXX XXXX XXXX ( page 1 ), XXXX XXXX XXXX XXXX ( page 4 ), XXXX  XXXX XXXX ( page 5 ), XXXX XXXX XXXX XXXX ( page 7 ), XXXX XXXX XXXX XXXX XXXX ( page 10 ), XXXX XXXX  XXXX ( page 13 ), XXXX XXXX XXXX ( page 14 ), XXXX XXXX XXXX XXXX ( page 15 ), XXXX XXXX  XXXX ( page 18 ), XXXX XXXX  XXXX ( page 32 ), XXXX XXXX  XXXX ( page 33 ) , XXXX XXXX XXXX XXXX XXXX ( page 34 ) In accordance with the Fair Credit Reporting Act, the following unauthorized inquiries are in violation of my rights : XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX  XXXX - XX/XX/XXXX, XXXX XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX , XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX. 

In accordance with the Fair Credit Reporting Act, the following inaccurate personal information is in violation of my rights : XXXX XXXX XXXX XXXX XXXX, TX XXXX ( not my address ).

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.
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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I have my mortgage with XXXX Bank and have always made on-time payments. However, the last 2 months, they have incorrectly reported to the 3 credit bureaus that my mortgage balance has gone UP ( it has not ). I have tried disputing with XXXX multiple times and they are not helping me, they keep reporting incorrect information that has hurt my scores. On XX/XX/2022, they reported that my mortgage balance went up by {$940.00} ( to {$170000.00} ) when it actually should have gone down to {$170000.00}. This decreased my credit score by 1 point. I called the bank to dispute this information and disputed with the 3 credit bureaus. It was briefly corrected until XXXX. On XX/XX/2022, they again incorrectly reported my mortgage balance as going up to {$170000.00}, when it was actually at {$170000.00}. I called Monday XX/XX/XXXX and XXXX refused to open another dispute, saying my original dispute was declined. This time, my credit score dropped again by 4 points due to these reporting errors. They are refusing to help me or correct the issue. I keep disputing, and they keep reporting the wrong information.
Consumer complaint received 2023-10-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (VA)

This relates to a Best Buy credit card operated by Citigroup. On XX/XX/, a payment of {$2300.00} was withdrawn via XXXX from my personal checking account to pay off that month 's credit card bill in full. An erroneous second withdrawal was made on the same day for the same amount ( {$2300.00} ). Essentially, the credit card bill ended up being paid twice : once on purpose, the second time by error. I believe it had to do with a scheduled auto-payment issue. After the second withdrawal, the amount owed on my Citigroup credit card was negative, meaning I had a credit for the amount overpaid ( {$2300.00} ). I contacted Citigroup by phone on or around XX/XX/XXXX requesting a refund for the second ACH withdrawal. The representative told me they would send a check. The check did not arrive, so I contacted them again on XX/XX/XXXX, and they told me to wait as the check might still be on its way. Finally on XX/XX/XXXX, with the check having never arrived at my address, I called again. I spoke with someone and asked them to ACH me a refund immediately. At this point, it had been nearly XXXX weeks since I was missing my {$2300.00}, and I had bills to pay. The representative told me they would cancel the check ( that never arrived ) and XXXX me the money. They informed me it would take XXXX business days for this to happen, which was an unacceptable amount of time to me, considering how long it had already been with Citigroup having my money. I asked to speak with a supervisor, XXXX, who told me the same thing. I escalated it further to XXXX who assured me it was unlikely to take that long and that she would put in a note to expedite/prioritize it. As of right now, XXXX XXXX XXXX I still have not received the XXXX. Logging on to the Best Buy credit card page, I see that on XX/XX/XXXX, there was a credit balance refund for the same amount ( {$2300.00} ), but I don't see that money in my account. This is causing me significant distress as I am having to shuffle money around to ensure I have the resources to pay my bills, going on a month since the original Citigroup error.
Consumer complaint received 2023-02-22
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept Of EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-11
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. (IN)

Even though I acknowledge your efforts in addressing some fraudulent entries in my file stemming from purported fraudulent activity, there still remain items that urgently need removal. Again, as a victim of fraud, I hereby request again, the deletion of remaining items from my credit file, which arose from said fraudulent activity. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), you are mandated to expunge any such items no later than 4 business days following XX/XX/XXXX. This issue was previously highlighted in an FTC report and complaint, and I am referencing it once more with the new FTC Report XXXX XXXX. Additionally, the details associated with these items are unfamiliar to me and have been eliminated by other bureaus, casting doubt on their preciseness. This complaint serves as a notice that failure to remove the specified items from my reports may compel me to initiate legal action. My attorney has been informed of my intentions and stands ready to pursue accountability for any deliberate non-compliance. This message constitutes my latest notice to you, requesting the removal of items linked to alleged fraudulent activity : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I have a agreement with WITH XXXX XXXX XXXX {$41.00} monthly and the account will never carry late fees until paid off. Ihave been paying the agreed amount automattically each month without fail. They are reporting me past due. I am NOT past due.
Consumer complaint received 2024-03-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am disputing the presence of fraudulent accounts on my credit report. These accounts were opened without my knowledge or consent, indicating identity theft. I have reported the issue to the respective banks and filed a report with the FTC. 
Please remove the following fraudulent accounts from my credit report : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is in reference to the consumer report sent by your company via electronic form through XXXX, XXXX and Transunion. While checking the above report, it came to my notice that your company has furnished an account on my report. 

According to 15 USC 1692a ( 2 ) the term Communication means that conveying of information regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the consumer report { bearing information regarding the alleged debt } by the company will amount to communication as per Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing your formal notice to cease any further communications regarding this account immediately. 
This includes but not limited to telephone calls, emails, social media, or any consumer reporting agency. 

Any further contact by your agent or company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 


Thank you for your cooperation
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2021-08-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

CITIZENS BANK - Continues to steel consumer money and trying to get away with sticking me the consumer with a collection agencies fine for an accounting error that they causes. This is related to CFPB complain - XXXX-XXXX that was closed without proper resolution. 

The letter we received from Citizens does not contain the correct account of what happened and we are still missing money. In XX/XX/XXXX, XXXX was paid out from our escrow account to the school district. The school district never received that payment and therefore we were turned into a collection agency. On XX/XX/XXXX, a personal check was sent to the collection agency for the amount of XXXX, which was XXXX in face tax and XXXX in penalties, costs, and commissions. That is XXXX of extra fees that never should have incurred because the original amount of XXXX was lost either by the school district or Citizens. On XX/XX/XXXX, we received a refund from Citizens in the amount of XXXX, with no explanation to why this wasn't covering the full amount we paid in XX/XX/XXXX of XXXX. I did not receive a letter from citizens until today XX/XX/XXXX in the mail, which has incorrect information as I stated above. We are missing XXXX in reimbursement from the personal check we sent in XX/XX/XXXX. In addition, we need to be refunded XXXX for the penalties that we paid for late taxes because either Citizens or the school district lost the original payment. Citizens customer service on this matter have been sorely lacking. We have been dealing with this issue since XX/XX/XXXX and everytime we spoke to someone, we were told XXXX thing only for citizens to do something else. We should have never had to pay the tax collection agency as we had been in contact with citizens for the prior 2 months, trying to explain that we had a bill. 

Documents attached.
Consumer complaint received 2023-07-31
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AmerAssist A/R Solutions, Inc. (CA)

I, XXXX XXXX, consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ), The Fair Debt Collection Practices Act ( FDCPA ) and The Unfair or Deceptive Acts or Practices and Unfair, Deceptive, or Abusive Acts or Practices ( UDAP ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 1.Account Name : AMERASSIST AR SOLUTIONS Account Number:XXXX. XXXX XXXX {$1600.00} XX/XX/2020 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 Delete this account immediately, unless you want to be held {$1000.00} per violation Thank you for your purchase of {$1600.00} which you paid pennies on the dollar, can I see the Purchase Agreement and the Original Creditors terms and agreement/condition. I refuse to pay this debt, my dads ice cream truck caught fire on the highway due to these unforeseen circumstances all funds are tied up.
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act, this creditor, XXXX XXXX XXXX XXXX XXXX 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 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666b a creditor may not treat a payment on a credit card account under an open end cosumer credit as late for ANY purpose.