davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-22
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX  Account Number : XXXX I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Consumer complaint received 2022-09-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (FL)

XX/XX/2022 I was trying to sell a couch on XXXX. And someone messaged me about it. We were using Zelle to handle the transaction. 
Instead of them sending the XXXX $ I was asking for. I was scammed into sending they them {$900.00}. For upgrading my account to a business account and then government fees. 
The buyer was being pushy about me sending the amount so the so it can be completed and we would get refunded the total amount. Going further into it, the emails and everything they were saying/sending was feeling not right. The buyer kept being pushy about the transaction and even asked for me transaction history. I brought being not comfortable with sending large payments like that.
Consumer complaint received 2024-11-25
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: Fidelity National Information Services, Inc. (FNIS) (CA)

after submitting a claim to XXXX  XXXX about their erroneous and false allegations of fraud against me ( XXXX ) I was told that the negative reporting would be removed in its entirety. 
I also explained to the rep that Chex systems was also to be updated. It still has not. I am LOSING MONEY daily not to mention I was faced with an eviction as ALL the financial institutions will not let me open a checking account and all my open accounts were forcibly closed after XXXX XXXX reporting. Ive sent numerous fees and charges and legal expenses to them for reimbursement and i cant get an update from anyone. THEY ACKNOWLEDGED THAT THEY WERE AT FAULT AND SHOULD HAVE TAKEN THE 5 STEPS CORRECTLY INSTEADING OF JUMPING TO CONCLUSIONS. THEY SAID THEY WILL REVIEW MY FEES AND FINANCIAL HARM I SENT TO THEM FOR REIMBURSEMENT. ITS OVER XXXX $ of LEGAL AND BANK FEES IVE SUFFERED BECAUSE OF THIS COMPANIES SEVERE INCOMPTENCE AND INABILITY TO TRAIN THEIR STAFF IN PROPER BANKING PROCEDURES!!! AND ALSO STILL REPORTING ME TO CHEX SYSTEMS. REMOVE ME AT ONCE! I WILL NOT ASK AGAIN. MY COUNSEL XXXX XXXX HAS PREPARED THE COMPLAINT. ENOUGH IS ENOUGH.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing to formally request the blocking and deletion of certain accounts and inquiries from my credit report due to my status as a victim of a recent data breach. According to the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681c-2 ( a ) and 605 ( b ), I am entitled to have fraudulent accounts and inquiries related to identity theft blocked and removed from my credit report. 
Please take the necessary action to block and permanently delete the following information from my credit report : Accounts : XXXX  Account Number : XXXX Opened Date : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX
Consumer complaint received 2024-11-01
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. (VA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2020-11-25
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: Experian Information Solutions Inc. (OH)

I received a copy of my credit report and I am disputing some items that need to be deleted. The reason why these items should be deleted is due to I have not authorized the following accounts below. The Fair Credit Reporting Act Section 609 [ 15 USC 168Ig ] bureau should send me all application being denied according to the provision Section 612 ( b ) [ 15 USCj ( b ) ] meaning there should be no charge for this information. Accounts : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (IL)

I inquiring about a bankruptcy that is on my consumer report that I did not authorize to be reported. I have reason to believe and do so believe I am a victim of aggravated identity theft under Title 18 USC 1028A on different occasions as XXXX and Lexis Nexis has knowingly used without lawful authority a means of my identification in order to compromise my financial reputation. I have requested validation numerous times and have not received any. Notice 15 USC 1611 ( 1 ) Whoever willfully and knowingly gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder shall be fined {$5000.00} or imprisoned not more than one year or both. Such conduct from your company has caused me to suffer severe humiliation and embarrassment, emotional distress and physical discomfort. You have violated 15 USC 1692 ( c ) of the Fair Debt Collection Practices Act by harassing me regarding this. I demand that you cease and desist of this activity as soon as possible with in 7 days of receiving this notice. This includes eliminating this bankruptcy and anything pertain to it from your records, discontinuing and retracting reports you may have that I did not authorize. If action is not taken by you to cease and desist within the allotted time frame I will have no choice but to take legal action against your firm.
Consumer complaint received 2022-06-24
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am submitting this complaint because XXXX XXXX XXXX failed to comply with my Metro 2 Compliant Record Request for my personal examination to validate and verify. privy of contract. 
I submitted a letter on XX/XX/XXXX to XXXX XXXX XXXX requesting that the original copy or certified copy of the original agreement/contract bearing my wet ink signature for account XXXX with XXXX XXXX XXXX XXXX Which is being reported as an alleged repossession on my consumer report by their XXXX XXXX XXXX. 
They are reporting ( inaccurate, incomplete, and/or inaccurate and incomplete ) information in consumer reports concerning me that they have compiled and published to third parties and consumer reporting agencies. The ( inaccurate, incomplete, and/or inaccurate and incomplete ) information that they are reporting is harming me personally, emotionally, and financially, and causing me damage. I look forward to your response to this matter.
Consumer complaint received 2022-01-04
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Went to bank of America to open checking account ( s ) in 2017. I requested to open 2 checking accounts for 2 different types of employment. Instead of explaining to me that I could or couldn't open 2 checking accounts, personnel in the branch groped my personal information from me and brought back to me a checking and savings account. After leaving and performing 2 or 3 test transactions to the accounts, I learned it wasn't 2 checking accounts that were opened. Bank of America stole my personal info and over 5 months later behind my back reported me to XXXX that I had committed fraud. XXXX then sided with the fraudulent bank branch and put my name in XXXX for " suspected fraud '' after I emailed them photos of paperwork from bank of America showing the 2 or 3 test transactions of {$0.00} monetary loss. This kept me from being approved to open a simple bank account with several different banks. There was no fraud in using {$50.00} to simply open 2 separate accounts. This problem has persisted, XXXX continues to hold my name on file for " suspected fraud '' with no proof or showing of any fraud. This was identity theft by both institutions working to commit a hate crime and use branch power to hide their activity. There is NO evidence of fraud by me.
Consumer complaint received 2022-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (MA)

I did receive balance transfer checks from JPMCB. 
I tried to get some information regarding the check on ; CHASE.COM/BALANCETRANSFER. 

On this site I have got some misleading steps or being tricked to apply for a new account and I have got into a situation where I did press submit button. 

I never had any intention to apply for a new credit card account. 
So, I need your help in order to talk to JPMCB to resolve this issue for removing the INQUIRY from my credit report.
Consumer complaint received 2022-09-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States , if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-11-01
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. (WA)

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2023-02-07
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)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT. 
I HAVE NOT GIVING SETF MY WRITING PERMISSION TO REPORT ANYTHING TO ANY THIRD PERSON, PARTY.I GAVE A OPPORTUNITY TO CEASE AND DESIST FROM SHARING MY PRIVATE INFORMATION & SETF IS REPORTING TRANSACTION THAT THEY SHOULD NOT BE, TAKE NOTICE OF 15USC 1681-A titles definition and rules of construction. paragraph 2 of this section, subsection ( A ) and ( I ) states that a transactions are not included in the consumer report.SETF action is injuring me and is affecting my ability to purchase with credit and it's disrupting my credit score and it's a violation to the fair credit reporting act
Consumer complaint received 2022-09-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (MA)

I sent money on XX/XX/12 but two days later 1 hour after the bank filed it I contacted them and asked them to cancel it but then they took 4 days to get back to me so by that point the other bank was already involved. If chase had just put a stop in there wouldnt be an issue I tried calling them too but their line is disconnected for that service center I also had to have a different one refunded and I lost {$50.00} on it and they havent refunded me Ive tried emailing them both times multiple times and they dont ever respond
Consumer complaint received 2022-02-25
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. (KY)

I recently received updated copies of my XXXX and TransUnion credit reports. I noticed a collection account on both of them upon review. 

I have no knowledge of the apparent Collection Agency ( XXXX XXXX XXXX ) or the Original Creditor ( XXXX XXXX XXXX XXXX ). According to my Credit Reports, this debt became delinquent on XX/XX/2019. 

I am providing a copy of the letter i forwarded to the Collection Agency requesting validation of the debt in addition to other things necessary for me to ascertain the validity of such.
Consumer complaint received 2024-10-01
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I was never told about my right to resend so the contract was null and void. I have even asked for proof that I have a contract with Capital One Auto which they have not yet sent me that. They have repossessed the truck which Im still waiting on a judgment, they gave them authority to repossess the vehicle furthermore if they were true fully and honest by doing their duty we wouldnt be in this situation 15 U.S.C 1692g
Consumer complaint received 2023-02-06
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: Experian Information Solutions Inc. (IL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX Balance {$900.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$720.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX FL XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX. Inquired on XX/XX/XXXX ; CXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-09-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (NE)

I was approved for the Nebraska Homeowners Assistance Fund ( NHAF ) in XXXX of 2022, and US Bank was notified of this via NHAF the same month. US bank ignored this and proceeded with foreclosing on my home in XXXX of 2022. I received letters from a law firm saying my home was in default and would be auctioned off. I called NHAF and they again confirmed my eligibility and sent US Bank another notification in mid-XXXX  of 2022. In XXXX of 2022, I called a HUD-approved counselor who completed a three-way call with me to US Bank. US Bank stated the only way they could stop the foreclosure was for me to apply for a Standalone partial claim, which I did. I spoke with another HUD-approved counselor on the phone after that and was told that I would have to come up with the additional money beyond the {$30000.00} I owed, and NHAF would pay the rest. I stated I had the money and was waiting for the NHAF program to pay the first {$30000.00}. On XXXX NHAF paid the {$30000.00} to US Bank, which I didnt know about until I received notification from NHAF in XXXX. I was not sure when I was supposed to send my share in, because every time I tried to send US Bank money they returned it saying I had to pay everything I owed. I was not notified about any of this until I received a Bank Statement on XX/XX/2022 showing NHAF sent in the {$30000.00} on XX/XX/2022 but US bank didn't distribute the {$30000.00} from XXXX until XX/XX/2022 to my past mortgage payments. The Bank Statement shows that on XX/XX/2022, US Bank returned the {$30000.00} to NHAF and applied a partial claim to my account for {$32000.00}, which is now a separate loan on my account. I called the bank and asked them why they returned the NHAF payment and they said it was because I couldnt have a HAF grant and a partial claim at the same time. I told them I didnt want the partial claim, but they said I had to take it because it was already done. 

I dont know who this program is supposed to help because anyone who applies for any type of modification also includes a partial claim, so how is anyone going to get the HAF grant? I did everything I was supposed to, and followed what the HUD-approved counselor told me to do, and yet I still didnt get any help. I now owe more on my home than I did eight years ago when I bought it. 

I would like to appeal this because this was not handled correctly. I was approved, and US bank was notified of my NHAF eligibility before the partial claim was applied for, and the NHAF grant was received before the partial claim started, so this should not be happening. Can you please help me, I am at a complete loss as this is not fair, I did everything I was supposed to, yet I still didnt receive any help.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IL)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2024-11-01
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. (IL)

I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report.

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, XXXX have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the Equifax, XXXX, and XXXX data breaches, which makes me even more worried about how my personal information is being handled.