davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

There are several inquiries on my report that are simply NOT mines. I have ask the credit bureau several times to no avail to investigate each and every inquiry that does not bare an applicable account related to the inquiry. There has been sever time where I get a alert from my credit monitoring service telling me someone is applying for credit. I immediately contacted the credit bureau to notify the of the situation with no remedy.. I have seen with my own eyes. My father who is XXXX and I'm XXXX apply for credit using his Social security number and the inquiry immediately shows on my report. For this reason I have asked the credit bureau to investigate each and every inquiry but to no avil I have ask in writing as well via telephone. I've also ask for proff of all inquiries showing they belong to me ie and application bearing my name social security number and signature and address to prove that their report is completely accurate as reported but as of this date no responce was given!
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. US DEPARTMENT OF EDUCATION # 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 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. These are clear violations of my federally protected rights under the FCRA.
Consumer complaint received 2021-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (OK)

I REQUSTED COPYFREE ANNUAL CREDIT REPORT ON XX/XX/2021 FROM ALL 3 CREDIT AGENCIES AND TO THIS DATE HAS NOT BEEN RECEIVED
Consumer complaint received 2019-10-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

XXXX of XXXX I received a tax bill with a one time only " special assessment '' in the amount of {$6200.00}. I informed Loancare LLC about this at that time. 

In XXXX of XXXX, I received a notice of an " escrow reassessment '' that was significantly higher than what it was previously. I realize that the {$6200.00} needed to be repaid. Loancare did pay this amount for me. 

Loancare for some reason seemed to feel that the special assessment would continue and they decided that my taxes for this year would be similar to last year. I have made numerous attempts to sort this situation out to no avail. My tax bill for this year is out now in the amount of {$4600.00} They are collecting very excessive amounts in my escrow account that are clearly not needed to pay my taxes or insurance. 

They have created an extreme financial situation for myself forcing me to be late on my mortgage every month and they have destroyed my credit. 

I need a re-evaluation of my escrow account that accurately reflects my taxes and insurance. 

The only reason that I was late on my payments was because they started collecting an additional {$1200.00} a month for my escrow account. Which was not needed. 

They have also issued late fees and put damaging information on my credit report that does not accurately reflect the situation. 

In addition, my phone has been flooded with calls from their collections department. 

This needs to get rectified. I would like for the damaging information on my credit report to be removed. I would like for the late charges to be removed. And I would like for them to reevaluate my escrow account to accurately reflect my tax and homeowner 's insurance payments.
Consumer complaint received 2023-01-16
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)

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under my name. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more th an 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be a claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute IsFrivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15U.S.C. 1681o ] a person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-01-16
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (VA)

For a year I have mobile deposited my payroll check into my Chime account and its always available end of same business day. Thursday the XXXX when I deposit, they put a 9 day hold on it and send me some email about waiting for it to clear so to make sure it doesn't bounce. I spoke with customer service, the lady said the check has been accepted and funds have been transferred she doesn't know why the hold is there, so I ask for it to be escalated to a manager. The manager tells me nothing can be done and even laughs when I tell her this is fraud and theft, I'm a working class man living paycheck to paycheck and a 9 day hold means I won't have gas for work next week.
Consumer complaint received 2023-01-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was made aware of several accounts on my credit report that are in negative standing today XX/XX/2020 because I was denied from getting a personal loan. The reason why I didn't know that these accounts were appearing on my credit is that none of them belong to me. All of these accounts were opened in my name without my permission but I have no information about who opened these accounts. I did not benefit anything from these accounts such as money, goods, services, or any other benefit and I have never made any payments towards any of these accounts. I do not have a relationship, contract or agreement with any of the companies listed on this report and I have already filed a police report regarding all of these unauthorized accounts.
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

To Whom It May Concern : I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report. 
List of accounts to be deleted. 
US DEPT OF EDXXXX Account number XXXX Date opened Indicates the date an account was opened XX/XX/2011 The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report. 
Best regards, XXXX XXXX
Consumer complaint received 2020-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX, XXXX INSTALLMENT Inquiry date : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX, XXXX XXXX Inquiry date : XX/XX/XXXX XXXX
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. (FL)

I have reviewed my Credit Report and have seen a Number of Fraudulent Inquiries, I have contacted the Creditors and they have No Evidence of Credit with them .Enclosed is a copy of my Identity Theft Report supporting my position.
Consumer complaint received 2023-01-16
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. (CA)

On XXXX/XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of 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 receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over XXXX days. Again, this is NOT A DISPUTE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
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 — Account status incorrect
Company: Freedom Mortgage Company (MD)

I have been in dispute with Freedom Mortgage since XXXX of 2019, I have disputed the contract upon which the credit was created to place a mortgage upon my residence. Instead of trying to resolve the matter they have decided to ruin my credit by reporting negatively to all three of the major credit reporting agencies. They have reported the disputed account as delinquent or late instead of disputed. I have told them that what they were doing was illegal and that as long as the account was unresolved in dispute they can not report it as an attempt to harm my credit. They continue to report the account in a negative manner, thus ignoring, my dispute and the Federal Statues that protect me as a consumer. 

I have sent a package to your office with all of the documents regarding my dispute with Freedom Mortgage, I am sending this additional complaint because I received a credit alert and when I checked it Freedom Mortgage had placed another derogatory entry on my file.
Consumer complaint received 2023-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C. 1681 section 602 A status, 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.
Consumer complaint received 2023-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NJ)

I wanted to dispute a transaction which I purchased with a credit card issued by Chase Bank ( I was unsatisfied with the service I received from merchandise ). However Chase didn't treat my request well and didn't even try to protect customer 's right or investigate more into the case I met. 

Some details for the transaction- I purchased four tickets for XXXX XXXX XXXX XXXX XXXX  for the XXXX candlelight concert held by XXXX. However, the experience didn't reach my expectations and I would like to request a refund for the XXXX tickets. 

1. We purchased tickets for XXXX XXXX XXXXeats but when we arrived, the only seats remaining for us were the last rows of XXXX XXXX ( We can't even see XXXX 's face from there ), which should had a lower price than XXXX XXXX  tickets. We complained this to the staff but we were told the seats were first-come-first-serve. That totally didn't make sense. XXXX XXXX has different price than XXXX XXXX, how can all seats be fcfs? 

2. The scheduled firework was canceled. Firework was the most expected part we were looking forward to but it was canceld. We also communicated with the merchant for the cancelation, but they didn't give any feedback for this and didn't provider solutions. 

3. The performers played several wrong notes, especially in XXXX XXXX XXXX XXXX XXXX XXXX 

Unfortuantely, the experience didn't reach our expectations- especially the expeirence with the seating, we felt really being offensed.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My account with EQUIFAX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2022-05-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: LDF Holdings, LLC (MA)

Saw a payment in my account from Avail Blue. 
Called and told them I never applied for a loan. They said they had an online agreement that was from me. I asked for the XXXXXXXX XXXX so I can see if it was from my computer. 
They would not say or give me any other information. 
They kept saying they had my information. 
They said I had 2 business days to return the money with no fees after I told them I did not want it. I was instructed to call my bank and have them reverse it. My bank said they could not do that once the money was in the account. 
I called back asked how I could resolve this and they said by paying the money back with Debit Card. I asked the specific amount. They quoted me the {$400.00} which was exactly what was deposited. I paid and when I checked the withdrawal it was {$400.00}. 
When I called back to ask about this they put me on hold and was then disconnected.