davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-14
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. (OH)

I am a victim of identity theft. I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Please delete/remove the following unverified accounts : XXXX XXXX FKA XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX My name is : XXXX XXXX XXXX - DOB : XXXX SS # : XXXX My current and only address is : XXXX XXXX XXXX XXXX , XXXX , OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX   XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX My current telephone number is : XXXX All other telephone numbers are not accurate. Please REMOVE/DELETE these telephone numbers IMMEDIATELY : ( XXXX ) XXXX My current employer is : XXXX  :
Consumer complaint received 2020-05-19
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. (MO)

I have been receiving in the mail for a while now about me owing child support money. Im not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX  XXXX due to a low credit score. I have pulled my credit and I saw various child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report. XXXX XXXX {$450.00} XXXX  XXXX {$1300.00} XXXX  XXXX XXXX  XXXX {$1000.00} XXXX XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX $ XXXX XXXX XXXX  XXXX {$1000.00} XXXX XXXX {$1400.00} XXXX XXXX XXXX {$450.00} XXXX  XXXX   XXXX {$1000.00} XXXX XXXX {$1400.00}
Consumer complaint received 2021-04-27
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (AZ)

To Whom It May Concern : Thank you for taking the time to read this letter. I am writing because I noticed that my most recent credit report contains a total of numerous late payments reported between XX/XX/2020 to XX/XX/2020 ] for several of my accounts. 
I want you to know that I understand my financial obligations, and if it were not for the Covid XXXX Pandemic, I would have an excellent repayment record. From XX/XX/2020 to XX/XX/2020, I experienced a devastating financial blow from Covid 19 affecting my employment of 8 years and ability to afford payments to my credit cards and mortgage temporarily. I did reach out to all my creditors to help accommodate during the pandemic, but I now have realized I was still reported in error and was never helped. Prior to Covid 19 I have never missed a payment on none of my accounts and had a 100 % repayment history. I made a mistake in not keeping an eye on my credit as this is the first time, I have used a credit reporting company, but moving forward, I will treat my credit with the utmost importance and have kept my eyes on every update to prevent any future errors. Since then, I have had a spotless record of on-time payments. 
I am planning to apply for a mortgage, and it has come to my attention that the missed payments on my record could hurt my ability to qualify. I truly believe that it does not reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments for the following accounts. 
7. Synchrony Bank/Care Credit, Credit Limit= XXXX, Balance= XXXX, Dates reported late = XX/XX/2020 2020
Consumer complaint received 2020-05-14
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: EQUIFAX, INC. (OH)

I am a victim of identity theft. I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives ' addresses. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory in nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Please delete/remove the following unverified accounts : XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX, XXXX, XXXX x XXXX, XXXX, XXXX XXXX # XXXX x XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX My name is : XXXX XXXX - XXXX : XX/XX/1995 - SS # : XXXX ALL OTHER NAME VARIATIONS ARE NOT ACCURATE PLEASE REMOVE : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX My current and only address is : XXXX XXXX XXXX XXXX, XXXX, OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX My current telephone number is : XXXX All other telephone numbers are not accurate. Please REMOVE/DELETE these telephone numbers IMMEDIATELY : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX My current employer is : XXXX XXXX XXXX XXXX : All other employers listed are not accurate. Please REMOVE/DELETE these employers IMMEDIATELY : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX
Consumer complaint received 2020-12-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IL)

I've been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!
Consumer complaint received 2019-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America has put a completely unreasonable, 7 business day hold on my funds from a deposited check into my personal account. I tried to rectify this every day with them, both in person at their branch and then on their customer service line as was advised to do by their branch manager. 

On the second day of the hold, I was made aware by the institution whom the check was written on that the funds had cleared their bank and that they even had a visual copy of my deposited check. I called Bank of America back with this news and they told me that they were sitting on the funds in their possession, and intended to for the full 7 business days as was their " right for risk management purposes. '' This is outrageous given that 1 : they now have cleared funds and 2 : I have a long history of receiving checks against this specific institution in the multiple {$100000.00} 's over the course of a 5 year relationship that have never once bounced. They are holding my money hostage and causing me financial harm, since I can not pay my general contractor.

I told Bank of America that there was a manager who was willing to get on a phone call with them to verify funds, but BofA told me that this was against their corporate policy. Conveniently for them, I now need to take out a high-interest cash advance from a credit card to float the time between my funds clearing and the hold, while they retain my funds overnight for a week. I made the Bank aware of this stress and they told me " I could complain as high as I wanted, nobody would do anything about it. ''
Consumer complaint received 2022-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (FL)

I have changed my email address on my Citibank credit card account over two weeks ago but I keep receiving emails on my old email address. I have contacted Citibank multiple times, spoken with supervisors, and they just tell me that's normal and that eventually the emails will stop being sent to the old address.
Consumer complaint received 2023-01-12
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX Banks Account # 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 1666B : A creditor may not treat a payment on a mortgage account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-07-11
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (HI)

I requested and was granted by Westlake Financial a payment accommodation ( deferral ) plan in accordance with the Cares Act. My account # is XXXX. Reported late payments was in XX/XX/2022. Westlake Financial reported me late to the credit bureaus adversely affected my credit. Westlake Financial was prohibited in reporting me late as I was making modified, on-time payments as a part of the deferral agreement, and the agreement was made under the protection of the Cares Act regarding credit reporting an scores. Westlake Financial was not supposed to report me late as long as I was making payments under the deferral agreement. According to the law, when you make an agreement with your creditor to modify repayment, the creditor needs to report to the credit bureaus that you are current on your loan. Westlake Financial failed to do that and reported me late severely damaging my credit score and costing me several business loans and credit cards. The Cares Act was extended by Congress in 2022.
Consumer complaint received 2023-01-06
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. (NJ)

On XX/XX/ 2021 I disputed two entries on my Equifax credit report due to inaccurate XXXX dates. Equifax was reporting XX/XX/2021 and XXXX was reporting XX/XX/2021 due to these inaccuracies I requested the entries be removed. To date the entries show on my credit report and Equifax has not responded to my dispute. I also sent a copy of my debt validation letter to both Equifax and XXXX and have not received a response or removal of the entries. XXXX XXXX, XXXX as listed on the Equifax credit report
Consumer complaint received 2020-04-21
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: EQUIFAX, INC. (GA)

I am having trouble getting the proper information to update on my credit file. I was a victim of fraud I have been moving back and forth from XXXX XXXX   to XXXX, XXXX. Someone in XXXX XXXX   has been using my name and information. I have filed a police report with XXXX Police Dept and FTC Identity theft affidavit. Please remove/delete the following addresses : XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL   XXXX THE FOLLOWING ACCOUNT HAVE BEEN REPORTED TO THE POLICE AS FRAUDULENT : 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 2022-05-04
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: EQUIFAX, INC. (MS)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-04-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO. (MO)

I made several attempts on XX/XX/2021 via phone to dispute inaccurate information on my Credit Report as reported by XXXX. However, XXXX is refusing to accept my dispute and investigate the issues with my credit report. I was reviewing the information that was provided to me by XXXX being a member and saw that there were three different credit inquiries on my credit report that I did not authorize. I was told by four different representatives that it is not the responsibility of XXXX to accept a consumer 's complaint regarding XXXX  reporting inaccurate information under their credit report. The representatives I spoke in the order of contact was XXXX, XXXX, XXXX, and XXXX. At this point I am confused as to what a consumer is suppose to do if they see accurate information on their credit report and need to either correct and/or have it removed. At this point I am highly upset with the treatment I have received thus far in relation to this matter therefore I am turning to the Consumer Finance Agency for assistance. Consumers should not be held hostage regarding their credit information the different credit reporting agencies. This is completely unacceptable. Credit Inquiries : XXXX, JPMCB, and XXXX XXXX.
Consumer complaint received 2020-05-14
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. (CA)

There are fraudulent inquiries that I did not authorize appearing on my Transunion credit report that I request be removed immediately. I filed a police report, put a freeze on my Transunion report and a statement of fraud on my report and provided the police report and identity information to Transunion and there are new fraudulent inquiries appearing on my report. I PREVIOUSLY FILED A COMPLAINT : XXXX Transunion 's response was they had deleted the inquiries, which 2 are still remaining along with the new inquiries from other companies. Please delete these inquiries and follow the fraud alert I put on my report. I NEVER GAVE THESE COMPANIES MY INFORMATION OR AUTHORIZATION TO RUN MY CREDIT! IT IS FRAUD!!! A police report was filed, a fraud alert place on my credit report. I mailed in a copy of the police report and proof of identity including a copy of a government issued ID and Social Security Card and proof of residency including a utility bill. According to the Fair Credit Reporting Act these inquiries are to be deleted immediately. Thank you
Consumer complaint received 2023-03-14
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. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2021-10-01
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. (CA)

I, the consumer, in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following companies : XXXX, XXXX, and Equifax. I have informed the consumer reporting agencies XXXX, XXXX, and Equifax by mail of the specific accounts they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2020-05-19
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have had a Walmart credit card originally issued by XXXX XXXX and purchased last year by Capital One Bank for several years. Banks are always saying that we must use credit responsibly and I have used this credit card and my other cap-one cards responsibly. this card has had a XXXX {$0.00} dollar balance on it for well over a year. Before cap-one ever bought the account. it has continued to maintain a XXXX balance since they purchased my account last year. Today, I go to login to my account and i'm told the account has been closed. I did not ask for the account to be closed, I was not informed in any way the account would be closed. I called customer service and was told the account was closed because I had a XXXX balance on the card for 18 months. apparently it is CapitalOne 's policy if you don't carry a balance at least once in a 18 month period they close your account. it is absolutely irresponsible to be doing this! punishing customers that do not earn you interest should be against the law if it isn't already! i've been a capital one account holder for almost 20 years. I requested that the card be reopened immediately and was told I would have to apply all over again. This would further harm my credit by placing another hard inquiry on my report and issues with account aging. If you are legally able to force people to carry a balance, at least let your customer know 90 days before hand to give them an opportunity to use the account and restart that clock!
Consumer complaint received 2022-12-20
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: EQUIFAX, INC. (CA)

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX Balance : {$560.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$660.00} ; XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX : {$530.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$300.00}
Consumer complaint received 2020-11-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

My credit score with Equifax dropped 72 points in one week on XX/XX/2020 for no reason whatsoever. I checked my scores on XXXX and XXXX  is fine and Equifax dropped an astronomical amount of points!! I called Equifax and emailed XXXX XXXX and both companies are pointing the finger at each other and no one can help me.