davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MS)

XX/XX/XXXX, I sent in a factual dispute letter to Equifax XXXX XXXX after looking over credit reports I ordered on XX/XX/XXXX to let them know that my account has always been missing the estimated date of removal. I also sent XXXX to XXXX on XX/XX/XXXX. I have attached those documents below. XXXX  days later I emailed a letter to the CEO XXXX XXXX and explicitly stated that I'd just mailed out letters of disputes to the bureaus for this account because they didn't add an estimated date of removal for the account and I wanted to know why. The dreaded XXXX ( XXXX of their senior account specialists ) contacted me back and told me my reports would be updated to reflect the estimated removal date. This never happened. 

I sent a XXXX round of factual dispute letters to Equifax and XXXX on XX/XX/XXXX & XXXX asking that they delete the XXXX XXXX XXXXXXXX tradelines off my reports entirely because they'd failed to run a proper investigation or provide proof of my estimated date of removal as I'd asked. They kept sending it back as accurate without any proof of said accuracy. 

No one should ever have to go through all this to have these entities that have our financial lives in their hands do what they're required BY LAW to do. 

So in XX/XX/XXXX I realized that even though this was supposed to fall off in XXXX it was still on my report and I emailed XXXX XXXX XXXX XXXX CEO again about it except this time I was XXXX. I attached screenshots to them of my credit reports that had always reflected XX/XX/XXXX as my date of first delinquency and I've also attached those documents to this complaint. I told them I would report them if they didn't remove the account from my reports. 

XXXX is the person who called me to follow up but we never spoke and kept playing phone tag then I received a letter from her in the mail stating that nothing would be removed because they are reporting accurately when they're NOT. 

If they report so accurately, why have my reports always shown date of first delinquency as XX/XX/XXXX? Why does my Equifax report CURRENTLY state that my account was closed on XX/XX/XXXX? If my date of first delinquency was XX/XX/XXXX then how was it closed in XX/XX/XXXX? 

What kind of geniuses are employed over there?
Consumer complaint received 2023-10-17
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. (NY)

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 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 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.

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that arent reporting correctly. 

See documents attached
Consumer complaint received 2024-09-18
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. (AR)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AR, XXXX XXXX XXXX XX/XX/XXXX Charge-off Dispute for Account XXXX I am writing to formally dispute the charge-off status of my account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AR, XXXX XXXX XXXX XX/XX/XXXX Charge-off Dispute for Account XXXX I am writing to formally dispute the charge-off status of my account, XXXXXXXX XXXX XXXX XXXX XXXX, which is currently listed on my credit report. I believe this entry is inaccurate and would like to request a thorough investigation into this matter. Details of the Account : - Account Holder Name : XXXX - Account Number : XXXX - Creditor Name : XXXX XXXX XXXX XXXX  Date of Charge-off : XX/XX/XXXX- I request that you verify the accuracy of this charge-off with the creditor. If you find that the information is inaccurate, I ask that you correct or remove this entry from my credit report as required under the Fair Credit Reporting Act. Please find attached copies of relevant documents, including [ list any documents, such as payment records, correspondence, etc. ], to support my dispute. I appreciate your prompt attention to this matter and look forward to your response within the 30-day investigation period as stipulated by the Fair Credit Reporting Act. Thank you for your assistance. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-06-08
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. (AL)

In accordance with Fair Credit Reporting Act, Experian, XXXX XXXX, XXXX have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX XXXX XXXX ( XXXX ) acct # XXXX ... ending in XXXX According to the 15 U.S.C. 1681 Section 602 states I have the right to privacy ; The Right to Financial Privacy Act of 1978 15 USC 1681 section 604 a ( 2 ) a consumer reporting agency can not furnish information without my written instruction 15 U.S.C. 1681 ( a ) ( 5 ) states that no consumer reporting agency can make any consumer report containing any of the following items of information or any other adverse information other than records of convictions 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. 

15 U.S. Code 1681l consumer reporting agency prepares an investigative consumer report, no adverse information in the consumer report ( other than information which is a matter of public record ) reporting confidential/private information has caused adverse actions in my livelihood, causing me to be oppressed note balance and high balance are incorrect causing harm to my score
Consumer complaint received 2023-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-11-29
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. (NJ)

I '' am writing you this letter regarding payments that were marked late by XXXX  for the following accounts on the following dates.. XXXX XXXX XXXX XXXX.. It is my understanding that p

er 15 u.s.c 1681 ( A ) ( 2 ) ( A ) ( 1 ) my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report payment history and late payments associated with payment history negatively impact, my consumer report and are considered as part of my transactions and experiences between me and your company.. Furthermore, I '' am requesting that you provide me with in writing the reasonable procedures { according to 15 u.s.c. 1666 ( B ) } That you have adopted to ensure that each period statement is mailed to me ( the consumer ) no later than 21 days before the payment due date, include all the information required by section 1637 ( B ) of title 15... You have 30 day from the date that you receive this latter, to provide me with this information in the allotted time given.. That i will assume that you can not ve
rify the late payment on that date spacifled above.. 
Lacking reasonable to ensure this accuracy of my account and i would therefore request consumer reporting agency ( Equifax, XXXX & XXXX ) or all that apply and updated the account to positives and remove the late payment from my account..
Consumer complaint received 2022-06-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (KY)

Looked at credit report on XXXX XXXX XXXX it showed i had a debit in collections from Midland Credit Management whom i do not know. I clicked on that & it said the original creditor was XXXX XXXX XXXX  ( NEVER heard of ). It is a Balance of {$290.00} but i don't feel as this is my debt & should not have to pay for it.
Consumer complaint received 2023-11-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

I had identity theft issues after my purse was stolen with my phone and wallet. 

Charges were made to a company names XXXX I reported it to Citizens bank and contacted the company who said they closed the account that was opened in my name along with the card that was opened in my name. 

The bank reversed the provisional credit on Friday of {$1800.00} without even alerting me or asking for additional information. They closed the claim and refuse to look into it further. I am a single mom - and now have an account with negative XXXX. It's XXXX- the bank refuses to let me talk to the back office - and refuses to give me anyone else that may be able to help.
Consumer complaint received 2022-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

in accordance with the Fair Credit Reporting act, XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX  XXXX  # XXXX, and 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
Consumer complaint received 2023-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

XXXX XXXX Only one banker took out time to not freely This is my second complaint because I do not feel as though CHASE CLAIMS DEPARTMENT when I first called on XX/XX/XXXX during my first verbal claim over the phone was ever written down as a case to investigate it. I don't think it is fair not to be able to fill out a claims form to show my evidence or see the case results through the actual bank. I was told that couldn't be done. It's evident that they had already made up their minds because the amount that is written in the Consumer Protection Agency response section is not the amount that I stated I was scammed out of when I had to verbally file a claim. Evidently the corporate didn't check the amount either. There was no sympathy by the person I spoke with on XX/XX/XXXX in the CHASE CLAIMS DEPARTMENT. When I mentioned taking it to court, she went as far as telling me to go ahead. But that I would probably lose. ) by a what you call third party which could have been an actual employee of Chase. Also to keep a customer happy as long as I have been banking with Chase since XXXX happy, would be to offer at least a portion of the scammed money back to them because it is not the victim 's fault either that they were scammed ( tricked and scared into ) by what you call a third party which could have been an actual employee of CHASE BANK.
Consumer complaint received 2023-05-04
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Firstsource Business Process Services, LLC (WV)

I was first contacted on XX/XX/ via email by FirstSource Advantage. They claimed I owed a debt to XXXX for {$71.00}. In this same email they included this, " Call or write to us by XXXX XXXX XXXX to dispute all or part of the debt. If you do not, we will assume that our information is correct. '' XX/XX/ I emailed their support with a Debt Validation Letter and on XXXX XXXX XXXX I mailed them the same Debt Validation Letter to the address provided by them. I stopped receiving emails from FirstSource Advantage for XXXX days and then I started receiving multiple emails a day from them and have not received a response to my debt validation letter.
Consumer complaint received 2023-07-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NC)

I wasnt unable to transfer money from my savings to checkings to make purchases and after speaking with chase banks chief executive officer and other employees they disclosed to me that I couldnt do nothing but withdraw XXXX and wait till tomorrow after several people agreed to raised the limit on my savings account withdrawal from XXXX to XXXX to help me with the transaction I then was told that can only happen with checkings account because my savings account money isnt FDIC insured and on all levels of banking this is something they cant do anything about this so in result Im having to pay out of network fees and still not able to use money that I put into my own account
Consumer complaint received 2023-05-08
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. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE ACCOUNT NAME : XXXX XXXX Balance details Paid off - Balance - Balance updated - Original balance {$2600.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Rental Status Paid, Closed/Never late. 
Status updated XX/XX/XXXX Original balance {$2600.00} Monthly payment - Last payment date XX/XX/XXXX Contact info Address XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT
Consumer complaint received 2023-02-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (AL)

I have a mortgage loan at PNC bank. In XX/XX/2022, a tree fell on my home and demolished it. After informing PNC bank of this situation, they sent out a person from the mortgage insurance department. The insurance department declared it a loss and communicated with me about this. 

I received a check in the mail from the insurance company a few weeks ago and also included was a printout detailing what would be required is I wanted to rebuild. I informed PNC that I am not interested in the rebuild, however, wanted to payoff my mortgage loan balance. 

For XXXX weeks now, I have tried to get my mortgage loan payoff, I have spoken with PNC by telephone, I have visited a local office and called the mortgage department again and again, they won't give me a payoff. The branch I visited is trying to help me get the payoff, they have not received any information either. 

I do not know what to do now, please help me get my payoff and help me resolve my mortgage loan with PNC bank.
Consumer complaint received 2022-12-16
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. (OH)

My personal information on my Equifax credit report is incorrect. I sent all documentation required both by fax and mail. My fax was confirmed that it was received. I could not get the issue resolved by the regular Equifax customer representatives. I requested to speak with Supervisor. The supervisor looked into the issue and after a long tedious process stated he updated my information. My birth year was incorrect. When I went to the Equifax online app. I found the information was not updated. Because I had been trying to resolve this four hours. I called the fraud number. I spoke with a supervisor who looked into the matter. He informed me that he was looking at his system and it showed the information was updated. He stated that my birth year was listed as XXXX I informed him that I was currently looking at the Equifax online app and it showed that the my birth year was incorrect. It had it as XXXX. 

These are the problems I encountered.

1. The main system at Equifax does not match the information that is on the Equifax on line app 2. The customers services representative are not able to have access to all the information and changes made by supervisors and as a result is giving the consumer information that is not totally accurate.

3. The verification process should be looked into. Representatives are asking verification question over and over again during the same call. It is not an efficient process and it is actually inhibiting consumers from getting critical information updated that is incorrect on their credit reports. 

In addition XXXX has address and are incorrect. This information does not match the Information that XXXXXXXX XXXX uses. The XXXX XXXXXXXX at XXXXXXXX XXXX told me that they are associated with XXXX. He pulled my credit report and verified the addresses that he showed on file. He went over each one separately. I confirmed the ones he had on his system were correct. When I checked the online Experian account it had addresses with information that were NOT correct there were addresses that the XXXX XXXX XXXXXXXX did not have. This informs me that the information for XXXX across different application and/or business users of XXXX products are NOT consistent. 

XXXX does all application and companies that use XXXX have the same information?
Consumer complaint received 2023-02-06
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX XXXX XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXXXXXX XXXX XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$3000.00} and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2016 Balance {$270000.00}.
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Monterey Financial Services LLC (GA)

this is a NOTICE OF DISPUTEXXXXMONTEREY COLLECTION SV violated my right to privacy, `I never had any contract or any agreement with them, they reported negative item in my consumer report in violation of 15 USC 1681 ( a ) ( 4 ), I never received any notice of negative information from them as mandated by 15 USC 1681s-2 ( 7 ) ( B ), They never had my written consent I AM DEMANDING THAT THEY DELETE THE ACCOUNT WITH ALL NEGATIVE ITEMS FROM MY CONSUMER REPORT IMMEDIATELY.

THEY ARE HARMING MY REPUTATION IN VIOLATION OF 15 USC 1692d ( 1 )