davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-01
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Equifax had done nothing to correct my Credit Report and eliminate the Fraudulent Information totally from my File. I have been sending countless letters appealing to Equifax to verify the disputed items and remove them if unable to prove that the Items are mine. In fact, I have sent them my FTC complaint report. I have been a victim of Identity Theft and the items I am disputing do not relate to any transaction that I have made or authorized. Neither did I receive any possession of goods, money, services, nor benefits from the Theft of my Identity. I have read that the Credit Bureaus are bound to comply with the FCRA regulation section 605b but despite all my efforts to inform Equifax about the theft of my Identity and that the items were never mine, they never cared nor paid any attention to my Disputes. They became negligent of the FCRA law and continued reporting this information on my Credit File without Proper Verification nor Investigation. I came to a conclusion that the Credit Bureaus are not afraid to break the Federal law thus they chose to be lazy and neglected my appeals. Once again, I am urging the Credit Bureaus to remove the following items completely from my Credit File with or without proper verification since the time given to the Credit Bureaus to investigate was already over. I need the following Items removed now! 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00}, XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00}, XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$2500.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}, XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00}
Consumer complaint received 2022-09-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXX, BANK OF AMERICA XXXX XXXX XXXX XX/XX/2005 Balance : {$25000.00}
Consumer complaint received 2022-11-29
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. (FL)

On XX/XX/2021 I sent a letter to all three credit bureaus notifying them to remove personal information that I do not want on my credit report and correcting incorrect information. As of today, Experian has not completed that request. According to the Fair Credit Reporting Act 15 USC 1681, I have a right to privacy. According to 15 USC 6802, no financial institution is supposed to share my information with 3rd parties without my express consent. Their non-compliance is a clear violation of my federally protected consumer rights.
Consumer complaint received 2022-09-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have identified information on my consumer credit file that is a direct result of identity theft. These items on my consumer report are not related to any transactions authorized to be placed on my consumer credit file. My privacy rights have been violated. There are variation of account numbers and incomplete, variations of balances. My Social Security number, my date of birth and other sensitive information has been compromised by all three major credit reporting agencies which include XXXX, XXXX and TransUnion all three agencies have had data breaches. I have disputed with all the three major credit reporting agencies only to be denied. On XX/XX/2022 my credit score plummeted over XXXX points. This company ( XXXX XXXX has been on my consumer account with these inaccuracies. It has cost me a great deal of grief, money, time and stress. It has affected my health, credit score has decreased, for years I have been denied credit, denied employment, denied housing opportunities and loans.
Consumer complaint received 2022-09-01
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that the Credit Bureaus are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA, Im submitting this complaint to help establish a legal recourse. If Equifax choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove the following items as they are fraudulent & were opened without my consent or knowledge... 

XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX XXXX Balance : {$64000.00} Date Opened : XX/XX/XXXX, XXXX XXXX Opened : XX/XX/XXXX Balance : {$8100.00}, XXXX  XXXX Balance : {$7200.00} Date Opened : XX/XX/XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}, XXXX XXXX Balance : {$9400.00} Date Opened : XX/XX/XXXX, XXXX XXXX  XXXX Balance : {$7700.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2022-09-01
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. (NV)

When I investigated my credit report, I realized that some of the information was erroneous. The Experian and XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below : XXXX XXXX XXXX XXXX XXXX ...... Date Opened XXXX XXXX XXXX Balance {$1900.00}
Consumer complaint received 2022-09-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY (IL)

The attached document from my XXXX credit report XX/XX/XXXX, shows that I had 2 personal loans with Wells Fargo Bank. These accounts are paid off and in good standing, showing accurate information, which had helped me to build and keep high credit score. The scheduled removal date of these accounts was XXXX. 

However, on XX/XX/XXXX, Wells Fargo had, for no reason or explanation, deleted both accounts from all 3 credit reporting agencies. Why?
Consumer complaint received 2022-09-01
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. (NY)

I am distressed that you have included the information below in my credit profile and that you have 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. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-09-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2022, Chase received my Notice to Dispute letter, in the letter, I advised that I was disputing the alleged debt in its entirety. I demanded verification of the alleged debt pursuant to 15USC1692g ( b ). I also requested the name and address of the ORIGINAL creditor. As of the writing of this complaint, I have yet to receive the requested documents. 

Chase was also advised that they did not have my permission to take ANY adverse actions against me or my account which included but was not limited to closing my account and reporting negatively to any credit reporting agency. On XX/XX/2022 Chase closed my account knowing that they did not have my permission. 

Chase is in violation of 15 USC 1692g ( b ) and I demand my specified remedy which is : 1. Zero out my balance every billing cycle moving forward.

2. The return of any and all previous payments made by me on this alleged debt.

3. Remove all negatively reported reports from all credit reporting agencies. 
4. I would like a copy of my consumer file in its entirety regardless of how it is stored as defined in the FCRA.
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$150000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- REAL ESTATE LOAN 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/2012 with a balance of {$150000.00} -This is not my account.
Consumer complaint received 2022-09-01
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: FIFTH THIRD FINANCIAL CORPORATION (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2014 Balance : {$390000.00}
Consumer complaint received 2022-09-01
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: Experian Information Solutions Inc. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my multiple endeavor to tell Experian that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Pursuant to Section 605B of Fair Credit Reporting Act these unknown items must be deleted : XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$680.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4000.00}
Consumer complaint received 2022-09-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I made a payment on XX/XX/2021 to my capital one Secure Platinum card from my Capital One 360 bank account. On the same day I allegedly made a cash deposit of {$1000.00} to the different financial institutions. To my 360 checking account. XXXX {$200.00} XXXX $ XXXX {$800.00}. And to my secure credit card I made XXXX XXXX.This was made XXXX on the morning of XX/XX/XXXX. Then I made a payment to my credit card via mobile app for {$400.00}. I was told my payment would be place on a hold for and would be release on the XXXX of XXXX. I had several transactions processing. Both credits and debits. On XX/XX/XXXX on my checkings account history notice that my payment had disappeared. On my credit card it was still honored but on a hold. Monday XX/XX/XXXX a banking holiday. I called and was told the payment was rejected. Even with the transactions pending I had enough to cover the payment. I even had money XXXX to me. On my statements it shows my payment as " a withdrawal of {$400.00} rejected '' on the XXXX when I had {$640.00} in my account. During the time of covid i had no grace period. Never had a payment placed on a hold. So then if my payment was place on a hold. How did i use my it on my credit card? And how does my bank has no record or trail of my transaction but has the rejection of it..
Consumer complaint received 2022-09-01
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: M&T BANK CORPORATION (CT)

XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX M & T Bank, have all used the arbitrary consumer reporting system to discriminate against me, violate my privacy and violate my consumer right to obtain credit. I recently reviewed my consumer report and disputed violations of my consumer rights to privacy without satisfactory results. My dispute about privacy violation was met with responses about accuracy of reporting information. They never denied violation of my rights instead choosing to disregard it. 

Under Title 15 U.S.C. 1681a ( i ) the consumer report does not include information as to transactions or experiences between the consumer and the person ( creditor or corporation ) making the report. 15 U.S.C. 6802 states that a financial institution may not directly or through any affiliate disclose non public information to a third party ( such as the consumer reporting agencies ) without my written consent. Hard inquiries and latenesses clearly constitutes non public experiences solely between myself and a financial institution/creditor and as such must remain privatebe safeguarded and protected. Disclosure of my information requires that I ( the consumer ) be given the opportunity before that information is initially disclosed to direct that such information NOT be disclosed to a third party. Theyve denied me my right to privacy and to exercise my non disclosure option and in reporting what amounts to private ( non public ) experiences between me and a financial institution have caused me harm/damage in pursuit of credit. 

I invoke my consumer right and formally request with this written letter the removal of hard inquiries and derogatory negative private information currently disclosed on my consumer report file within the allotted 30 day period. Their failure to comply with my initial written request constitutes willful noncompliance and makes them liable for damages to me15 U.S.C. 1681n.
Consumer complaint received 2020-05-14
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP (MN)

DUE TO COVID-19 VIRUS OUTBREAK, I WAS LAID OFF FROM MY JOB. I APPLIED FOR UNEMPLOYMENT BENEFITS AND SELECTED US BANK RELIA CARD  VISA FOR UNEMPLOYMENT BENEFITS TO DEPOSIT THERE. SO I SELECTED DEBIT CARD THINKING THAT A NEW ONE WILL COME, AND RELIACARD VISA FROM 8 YEARS AGO WAS STILL ON FILE. SO I TRIED TO CALLED U.S BANK RELIACARD FOR ALMOST 1 MONTH AND HALF NO STAFF ANSWERS WAITED ON THE PHONE FOR 3 HOURS BEEN CALLING EVERYDAY NO MATTER WHAT TIME IT IS THEY DON'T ANSWER. I CALLED MN UNEMPLOYMENT OFFICE THEY TOLD ME I HAVE TO CALL AND REPORT THE CARD LOST OR STOLEN HOWEVER, I DON'T EVEN HAVE THE NUMBER OF THE DEBIT CARD TO DEACTIVATE IT. I DO'T UNDERSTAND WHY I CAN NOT GET A REPRESENTATIVE ON THE PHONE. WEEKS HAVE GONE BY AND I AM UNABLE TO RECEIVE MY UNEMPLOYMENT BENEFITS. THE US BANK RELIACARD TOLL FREE NUMBER XXXX. I'M JUST TRYING TO INFORM THEM THIS CARD NEEDS TO BE DEACTIVATED AND FOR THEM TO SEND A NEW ONE SO I CAN RECEIVE MY BENEFITS. US BANK RELIACARD MNUNEMP.
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

My Bank of America account shows wrong payment history in my all my credit reports. when it comes to late payments rather than showing XXXX, XXXX, XXXX XXXX, XXXX my report shows XXXX. Showing all the wrong dates. 






15 U.S. Code 1679c - Disclosures Consumer Credit File Rights Under State and Federal Law You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any credit repair company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over XXXX XXXX XXXX. Bankruptcy information can be reported for 10 years. 

You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud. 

You have a right to sue a credit repair organization that violates the Credi
Consumer complaint received 2022-09-01
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. (CA)

I have submitted disputes to you and didn't get a response within 30 days and you all are required by law to do so. Please investigate me disputes, please. Thank you
Consumer complaint received 2022-10-11
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. (OK)

I disputed a bankruptcy on my report. I was told the Oklahoma XXXX XXXX bankruptcy reported a bankruptcy to my credit report. I contacted the bankruptcy court of the Oklahoma XXXX XXXX and they told me that they did not and do not report to credit agencies. I expressed this to equifax and they told me that they dropped my credit score additional points for filing a dispute. I went back to dispute it again and was told that I am unable too. Listed below you will find a screenshot! They Equifax have also reported that the start date is XX/XX/2021, instead of the original date it was reported! This is incorrect information and needs to be removed! It has been 7 years! Please delete this from my credit file. They refuse to do so.
Consumer complaint received 2022-09-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have identified information on my consumer credit file that is a direct result of identity theft. These items on my consumer report are not related to any transactions authorized to be placed on my consumer credit file. My privacy rights have been violated. There are variation of account numbers and incomplete, variations of balances. My Social Security number, my date of birth and other sensitive information has been compromised by all three major credit reporting agencies which include XXXX, XXXX and TransUnion all three agencies have had data breaches. I have disputed with all the three major credit reporting agencies only to be denied. On XX/XX/2022 my credit score plummeted over XXXX points. This company ( XXXX  ) has been on my consumer account with these inaccuracies. It has cost me a great deal of grief, money, time and stress. It has affected my health, credit score has decreased, for years I have been denied credit, denied employment, denied housing opportunities and loans.