davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

XXXX I sent a letter out to the credit bureaus. I called to get a status on XXXX I was told that no letters were received. I sent another letter on XXXX and I havent received a response. We are approaching 90 days and I feel that Im being toyed with and one is taking me seriously and I feel Im being taken advacntegw of. In Section 611 in the FCRA states that failure to investigate the items in 30 days gives reason to immediately remove the items from my credit report. It has been over 60 days so the items should be deleted promptly. I demand that these items are removed immediately or I will file litigation do to the stress you have caused. I have been impacted by The Equifax breach and my info may have been tampered with and used by an unknown person.
Consumer complaint received 2019-05-06
Product: Credit reporting, credit repair services, 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. (CA)

My complaint is with Equifax. I submitted a dispute XX/XX/2019 online, for some reason the online portal would not allow me to continue so it had provided me a form to manually submit through email. On the dispute form I submitted, it included only 2 accounts. One with the amount of {$310.00} for XXXX XXXX and the other in the amount of around {$1400.00} with XXXX XXXX, original creditor XXXX XXXX. As I submitted the form, it was having trouble and did not provide a confirmation. I followed up with a phone call XX/XX/2019 and spoke with a representative which confirmed a dispute was submitted and the confirmation number was XXXX. She then confirmed one of the 2 accounts were not included and proceeded to help me with another dispute, confirmation number XXXX. A few weeks passed and I received email confirmation that my disputed were resolved on XX/XX/2019 and XX/XX/2019. On XX/XX/2019 I discovered most accounts on my credit profile were deleted. All of my open accounts that are correct and current were deleted. I have been in contact with multiple agents and supervisors. I have been told to contact my creditors and my creditors have confirmed they have been reporting to all three credit bureaus. My XXXX and XXXX profiles are correct for the most part and are updating, but Equifax has still not resolved this issue. This is affecting me tremendously and I need this to resolved expeditiously.
Consumer complaint received 2019-05-06
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: EQUIFAX, INC. (TX)

Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX - partial account number XXXX. ( Please see pages 4 and 5 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2019-05-07
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: EQUIFAX, INC. (WA)

I contacted Equifax in XXXX regarding true name identity theft, after contacting the companies reporting incorrect information on my credit. 

My biological mother has been using my credit and SSN since I was a young child. XXXX as well as XXXX has adjusted and corrected my report, although XXXX is not investigating or doing their part. Ive submitted FTC reports as well as lists of all incorrect information and accounts that were fraudulent on my report & they are failing to delete, this is not okay to be reporting incorrect fraudulent accounts and information on my report.
Consumer complaint received 2023-09-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (WV)

I use a Chime card for my direct deposit of my pay. I was waiting on a new card to come in the mail and had a virtual card on my app to use. Which this was the XXXX time I had to get a new card from them because of my card being compromised. While i was waiting on the XXXX new card someone used the virtual card in XXXX Florida and spent XXXX at XXXX XXXX grocery store.I live in West Virginia and I called and reported it.They said they would investigate it. Then later that day I received a call from XXXX that came up on my phone as Chime Financial and I answered it. The man on the phone said he was from Chimes dispute department. I talked to him for an hour and he had me typing in codes he said was going to protect my account. I then realized he was a scammer and I got off the phone with him. I called Chime myself and told them this and in the end I was still denied my money back. I called and had them reopen my dispute and before XXXX hours had passed they already denied it again. Ive called many times to try to resolve this and ever time Im asked to provide them with documentation to help my case. Ive told them I dont have any information on who hacked my account from Florida and that Ive never even been there but still no help from them. I dont understand how it can be denied when it happened so far away from me.
Consumer complaint received 2021-09-15
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. (KY)

I sent a letter to the credit bureau to delete the unauthorized credit inquiries but its been well over 30 days and no response from them. 

XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Equifax XXXX XXXX from XX/XX/XXXX XXXX
Consumer complaint received 2021-03-30
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: EQUIFAX, INC. (GA)

After submitting my complaint I was told that the " complaint did not appear to be submitted by me ''. I called the CFPB to confirm that I did in fact submit the complaint and was told to upload a copy of my credit reports showing the violation on Equifax, XXXX  and XXXX There is no option for me to upload this to the existing complaint. 

This, AGAIN, as previously stated numerous times is in violation of my right to privacy under the FCRA. I want this removed from my credit file immediately. 

My full name is XXXX XXXX XXXX My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX phone number is XXXX XXXX XXXX XXXX This is the information you have requested from me so I'm providing it to you again.
Consumer complaint received 2021-11-01
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. (NJ)

I previously submitted a completed Identity Theft Report # XXXX. In regards to fraudulent accounts on my credit file. They were not deleted or blocked to show my true complete and accurate information. My Identity was stolen.
Consumer complaint received 2022-06-27
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 — Was not notified of investigation status or results
Company: LEXISNEXIS (NC)

I sent a notarized letter on XX/XX/2020 to lexis nexis with a green return slip about reporting a account on my consumer report that i did not give them permission to do. Under 15 USC 1681b- PERMISSIBLE PURPOSE OF CONSUMER REPORTS ( a ) ( 2 ) - in accordance with the written instructions of the consumer to whom it relates. Also under 15 USC 1681 ( a ) ( 4 ) infringed upon Consumers right to privacy. I have not received a letter back from them. I also have a letter from the court house saying then do not give 3 parties my information. Under Rule 9037 Privacy Protection For Filings Made with the Court.
Consumer complaint received 2021-09-15
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: ALLY FINANCIAL INC. (TX)

XXXX, XXXX and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this account listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Consumer complaint received 2019-05-31
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. (HI)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts  listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX  ( Original Creditor : 12 XXXX  XXXX XXXX    XXXX  ) XXXX, XXXX XXXX  XXXX, XXXX XXXX   XXXX, XXXX XXXX,
Consumer complaint received 2021-06-22
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. (CO)

I have sent certified letters for the past 6 month asking them to fix the account status of this creditor. I have yet to receive a response from the creditor Letters were sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX. They have reported to Equifax that the account is derogatory which it should be reported as paid ( XXXX and XXXX both show as paid )
Consumer complaint received 2019-05-31
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. (HI)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX,
Consumer complaint received 2019-05-31
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. (TX)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer 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 the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-10-14
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. (PA)

This is not a dispute, this is a demand! 

Notice to agent is notice to principal and notice to principal is notice to agent Dear [ Credit Reporting Agency ], I, XXXX XXXX XXXX, am writing to you regarding the XXXX XXXX, XXXX. account # XXXX reported on my consumer credit report. Based on the information provided, this account should be removed from my report, as XXXX XXXX  has been violating my rights for over XXXX years now. 

The overview of the XXXX XXXX, XXXX. account indicates that the balance is {$0.00} and the account is closed. Additionally, the payment history shows that the last payment was made on XX/XX/XXXX, with a current payment status of " Charge-off. '' Under the Fair Credit Reporting Act ( FCRA ), inaccurate, incomplete, or unverifiable information must be removed from a consumer 's credit report. As established in the Supreme Court case Spokeo , Inc. v. Robins, 136 S. Ct. 1540 ( XXXX  ), the FCRA requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Since this account has a {$0.00} balance and is closed, it should be deleted from my report. 

Alternatively, if the account has been paid in full, it should also be removed, as the purpose of reporting the account has been satisfied. Maintaining a closed, paid-in-full account on a credit report can have a negative impact on my creditworthiness, as held in the Ninth Circuit Court of Appeals case Gorman v. Wolpoff & Abramson, LLP , 584 F.3d 1147 ( 9th Cir. XXXX ). 

XXXX XXXX, XXXX. has been violating my rights under the FCRA by continuing to report this inaccurate and outdated information on my credit report for over XXXX years. This account was previously disputed, and XXXX followed the rules and deleted the account. However, XXXX and Experian did not, and are currently in willful violation of my rights. XXXX and Experian did not complete the investigation within the allotted XXXX time frame, and I filed a CFPB complaint, yet they still did not delete the account. This is harming me, and each company is liable for a {$1000.00} violation ( per month that it was reported since my first dispute in XX/XX/XXXX ), respectively. 

I kindly request that you investigate this matter and remove the XXXX XXXX, XXXX. account from my consumer credit report immediately.
Consumer complaint received 2021-04-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (LA)

CHASE, `XX/XX/2021 {$290000.00} it saw fraud from chase in New York at a atm at a Chase.. 
They is I did it, I live in XXXX La, for 30years I am a XXXX, an can not walk an the bank is giving me no help. 

At XX/XX/21 an file a Police report on fraud..
Consumer complaint received 2021-04-02
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. (PA)

I am sending this over because there are fraudulent accounts on my credit report. These accounts do not belong to me ; therefore, they should not be on my file. Attached you will find a copy of the claim from the Federal Trade Commission along with a copy of my license. Please remove these accounts as soon as possible. Pursuant to 15 USC 1681 c-2 subsection ( a ) you have 4 business days to block this information from my file. This request was NOT made in error. I, XXXX XXXX, also did not give your credit reporting agency written instructions to include this fraudulent information in my consumer report. Which is in violation of15 USC 1681b- ( a ) ( 2 ).
Consumer complaint received 2019-05-31
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: Experian Information Solutions Inc. (HI)

Please know that I was not late on the mentioned accounts here.. I wonder why credit bureaus report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX FI XXXX, XXXX FI XXXX, XXXX FI XXXX
Consumer complaint received 2019-05-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Specialized Loan Servicing ( SLS ) has become my new servicing lender since the beginning of XXXX. I have reached out to this lender on several occasions for mortgage assistance or loan modification. They continue to give me the run around regarding some type of assistance that I qualify for. My current BK post post petition payment is at a ridiculous {$3100.00}, my current P & I payment is {$2200.00} at 4 % per my docs I signed back in XXXX. SLS continues to send me denials stating that my P & I payment is {$1600.00} at 2 %. They clearly are smarter than this to make these type of errors. Because if you read the agreement I signed back in XXXX it clearly states that my current P & I payment is {$2200.00} at 4 %. If you look at the response they sent to me dated XX/XX/XXXX they clearly say in the 4th paragraph that my new P & I payment after modifying loan balances would be {$2200.00} which is clearly less than my current payments. When I call them they keep saying oh can you fax that over we're not seeing that anywhere. They are just playing games and are unwilling to finalize a loan modification for me ASAP. I would like for this organization to intervene and help me accomplish in receiving a loan modification for my family and I. Thank you and l look forward to hearing from you all asap. 

XXXX XXXX XXXX
Consumer complaint received 2019-05-31
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: Experian Information Solutions Inc. (TX)

Please know that I was not late on the mentioned accounts here.. I wonder why XXXX   and Experian report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2019-05-31
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: EQUIFAX, INC. (TX)

Please know that I was not late on the mentioned accounts here.. I wonder why Equifax and XXXX report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2019-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

On XXXX XXXX, 2019 I visited XXXX in XXXX, Texas to establish an account. I was denied, per personal banker due to a hardstop from XXXX. I was informed that a fraud alert was placed on my record. I was a victim of identity theft and had notified the Federal Trade Commission  and all credit reporting agencies. On the same day, I contacted XXXX and was informed that due to technical issues the company was closed. I tried several days and could not reach XXXX. Finally, I was able to speak to a agent at XXXX. I explained to the agent that I was a victim of identity fraud and wanted to lift the security freeze to establish an account at a credit union. I stated that I have all documentation for filing a police report, the complaint form from the Federal Trade Commision. I, also, mentioned that I had left my name, address and phone number on XXXX voicemail to receive the form to lift the security freeze. Per message, I would receive the form in 5-10 business days. As of today, XX/XX/XXXX, I have not receive the form from XXXX.