davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-28
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. (FL)

I appreciate your taking the time to DELETE some of the information in my credit file ; however, there are still other items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX  Balance : {$0.00}.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (MD)

That on XX/XX/2023 I sent a written notice to XXXX XXXX XXXX opting out of credit reporting. XXXX XXXX XXXX has yet to respond to my demand.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (CA)

I have been dealing with LexisNexis since XXXX. This year wrote XXXX, and more. Some of the error have been corrected but the most damaging remain and the company being very difficult to deal with. Their source of information, when contacted directly contradict their information. They have me with 4 different entries for marriage, when only been married once. My wife, appear single, and one time using my last name which has never being the case. They list a government agency : Nevada Division of Public Health as source, when I contact the agency they indicate they do not share information with LexisNexis. Insurance information is wrong. All documentation has been provided yet, it hasn't been removed or corrected. Email, telephone numbers and addresses appear even though the providers do not operate in the area when I have always lived. Then number of errors are uncountable causing anguish, waste of time, spending money at XXXX XXXX XXXX on Social Security. It is abusive. This have impacted my wife and I for years in higher premiums with the insurance company and our insurance coverage. LexisNexis do not verify their source of information and does not cross reference in case or husband and wife creating a disparaging set of records of husband and wife. Then refusing not to correct it.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (NC)

The Children 's Place Credit Card has been reported on my XXXX credit report as closed with an alleged debt of {$620.00}. The Children Place has not given me any sworn statement to the validation of any alleged debt according to the FDCPA. The Childrens Place also need to produce a document with my written express consent stating that The Childrens Place can put anything on my credit report.
Consumer complaint received 2023-12-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I reject your decision to decline my identity theft claim. What gives you the authority to decide if I've been a victim? You do not possess the legal standing or any right to make such a determination. If you continue to deny my claim, I will enlist the assistance of my attorney to seek a legal resolution. It's crucial to emphasize that my identity theft claim fully adheres to the law. I have submitted an official report to a federal agency as dictated by legal procedures. Let 's collaborate to resolve this issue within the stipulated 5-day timeframe. 

How can it be that your bureau dares to dismiss my legitimate claim? Who are you to sit in judgment, claiming to know better than I whether I have been a victim of identity theft? Your refusal is not only maddening but an affront to decency and fairness. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I want to make it unequivocally clear that I am not about to let this gross miscarriage of justice stand. If you persist in denying my rightful claim, be prepared to face the consequences. I will not hesitate to engage my attorney and pursue a legal remedy to rectify this outrageous situation. 

I insist that you recognize that my identity theft claim has been meticulously processed in strict accordance with the letter of the law. I have diligently submitted an official report to a federal agency, as required by the legal procedures governing such matters. There is no room for ambiguity here. 

It is paramount that we resolve this matter promptly, within the 5-day timeframe mandated by law. I demand immediate action and a written acknowledgment of this dispute letter. 

My frustration and anger are beyond measure, and I am resolved to see this blatant injustice rectified. The law is on my side, and I will not rest until justice is served.
Consumer complaint received 2023-12-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MN)

I have been employed by an agency that counts towards the PSLF since before I even started my degree program. Currently Mohela says that many of my payments do not qualify for the program. I'm not sure how they can say this as my employment has been with local government for the entire time. When I reached out to Mohela the only response I get is that they are experiencing a high volume of inquiries and I will be notified when they get to my questions .... It's been over 9 months now and still no answers. When I call, I go through a phone tree then on hold for an eternity. I don't have time to sit on hold all day just to sit on hold and never be addressed. This company needs to be fired and stripped of their ability to handle student loans!
Consumer complaint received 2023-12-28
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. (TX)

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

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 Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) : # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) : # XXXX, has violated my rights. 

15 U.S. Code 1681 Section 602 A. states I have right to privacy.

15 U.S. Code 1681 Section 604 A. section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. Code 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.
Consumer complaint received 2023-12-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. ()

On XX/XX/XXXX, I encountered issues logging into my bank app. Shortly thereafter, I received an email notification stating that my bank account, specifically the check account, was slated for closure by Chase Bank due to suspicious activity. Subsequently, around XX/XX/XXXX, my bank account was indeed closed, with an estimated timeframe of receiving a check within 10 business days, or by XX/XX/XXXX. 

As of today, XX/XX/XXXX, despite numerous attempts to contact the bank via phone, I have received no resolution or updates regarding my situation. Chase has not indicated any intention to return the funds held in my account. It's crucial to note that my account contains my salary, which I rely on for rent payments and credit card obligations. The impact on my daily life has been substantial. 

I am reaching out in the hope that you can assist me in resolving this matter promptly. Your intervention in communicating with Chase Bank on my behalf would be greatly appreciated.
Consumer complaint received 2023-12-28
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. (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. 

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 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.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FC HoldCo LLC (VA)

In accordance with The Fair Credit Reporting Act this creditor has violated my Federally Protected Consumer rights. Per 15 USC 1681b Permissble Purposes 604a section 2 - states any consumer reporting agency may furnish a consumer report under the following circumstances an no other : ( 2 ) CLEARLY STATES : in accordance with the written instructions of the consumer in which whom it relates. ( violation # 1 ) Under 15 USC 1681 602 ( a ) STATES : Accuracy and fairness of credit reporting.The Congress makes the following findings : ( 4 ) STATES : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. UNDER : Privacy Act of 1974 ( 5 U.S. Code 552a ) ( b ) Conditions of disclosure : STATES No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be -- ( VIOLATION # 2 ) 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ;
Consumer complaint received 2023-12-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I hope this letter finds you well. I am writing to address and request your assistance in resolving a matter related to late payments that have been reported on my credit account under your bureau. 

Upon reviewing my credit report, I have noticed that there are late payments recorded on my account, which is a cause for concern. I understand the importance of accurate and up-to-date information on credit reports, and I am committed to maintaining a positive credit history. 

XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service representative. XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I kindly request that you investigate this matter and, if appropriate, correct or remove the late payments from my credit report. I believe that rectifying this issue will more accurately represent my creditworthiness and financial responsibility. 

Enclosed with this letter, please find any supporting documentation or evidence that may assist you in your investigation. 

Thank you for your prompt attention to this request..
Consumer complaint received 2023-12-28
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma (HI)

On XX/XX/XXXX, Credit Karma XXXX advertising for a XXXX XXXX XXXX It said " Your Chances for approval is Excellent ''. So I proceeded to apply via Credit Karmas directed link. Within a week is when I received a denial letter from XXXX. 

Then again on XX/XX/XXXX Credit Karma XXXX advertising for a XXXX XXXX Credit Card. It said " Your Chances for approval is Excellent ''. So I proceeded to apply via XXXX XXXX directed link. Within a week is when I received a denial letter from XXXX. 

I feel that Credit Karma 's marketing practices have been manipulative and deceiving in nature.
Consumer complaint received 2023-12-28
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. (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.

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 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.
Consumer complaint received 2023-12-28
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: Possible Financial Inc (FL)

On XX/XX/2023 I settle my account with possible finance with true accord by paying them the settled amount of {$440.00} an email was sent out with letter stating amount was paid and possible finance was made informed. 
I was told by agent XXXX that the account will be updated within 30 days after payment was made. When I realized it was mid XXXX and my account was still reflecting a balance I dispute it with the XXXX credit bureau. On XX/XX/XXXX I received an update from XXXX that " company that reported the information has certified to XXXX that the information is accurate and the debt remain ''. Since then I've been trying to get a hold of possible finance the number provided online and on my credit report does not accept calls so I started emailing them on XX/XX/XXXX with XXXX XXXX she assured me the next day they saw I paid the account on XX/XX/2023 and should have been removed after 30 days. We are now 144 days after paying this debt and haven't heard anything from the company I would like this debt to be removed from all 3 of the credit bureau reporting ( XXXX, XXXX, and XXXX ).
Consumer complaint received 2023-12-28
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. (IN)

On XX/XX/2023, I requested a copy of the description of the method of verification procedure used to determine the accuracy and completeness of the disputed accounts in question. Including the name of the company and address and the person name who conducted the reinvestagation process to me. I never received anything from the credit bureaus. I was told I didn't need any documents for the process by their representatives. By State and Federal law, a consumer reporting agency SHALL provide to a consumer a copy of description of reinvestagation process referred to paragraph ( 6 ) ( B ) ( 3 ). Unverifiable accounts MUST be removed from a consumer 's credit file. Silence in this matter is unacceptable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Should all three credit bureaus continue to attempt to collect these debts without the proper validation, I have the right to sue all credit bureaus in small claims court and subject them to a fine of {$1000.00} per violation as well as my attorney fees and court fees as damages. I would like to remind that the credit bureaus are legally obligated not to report a debt that has not been properly validated. I am sure that the credit bureaus want to resolve this matter as quickly as possible and avoid any unnecessary complications Should they fail to respond to the letter within 15 days. 
Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected. 

I demand this be updated to paid as agreed on all 3 credit reporting agency
Consumer complaint received 2023-12-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$8900.00} XXXX XXXX Balance Owed : {$8900.00}
Consumer complaint received 2023-12-28
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. (MO)

I trust this letter finds you well. I am writing to express my continued frustration and disappointment with the persistent presence of fraudulent items on my credit report, despite multiple attempts on my part to rectify this situation. I have submitted multiple disputes, provided supporting documentation, and taken all necessary steps to address the fraudulent activities affecting my credit history. 

The fraudulent items in question have been a source of considerable distress and financial hardship. Despite my diligent efforts to follow your established dispute resolution process, I have not seen a satisfactory resolution to this matter. I have enclosed copies of my previous dispute letters, supporting documentation, and any relevant correspondence for your reference. 

I understand the importance of thorough investigations in cases of identity theft or fraud, and I appreciate the complexities involved. However, the prolonged existence of these fraudulent items on my credit report is adversely impacting my ability to secure credit, obtain favorable interest rates, and maintain financial stability. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I have a right to accurate and fair credit reporting. I urge you to conduct a comprehensive review of my case, expedite the investigation process, and take immediate action to remove the fraudulent items from my credit report. 

I kindly request regular updates on the progress of the investigation and prompt resolution of this matter. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX