davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-30
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. (MI)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MS XXXX ; XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX  : {$0.00} ; XXXX XXXX XXXX  : {$0.00} ; XXXX XXXXXXXX XXXX : {$110.00} ; XXXX XXXX XXXXXXXX XXXX  : {$0.00} ; XXXX XXXX XXXX  : {$400.00} ; XXXX XXXX XXXXXXXX XXXX : {$450.00} ; XXXX XXXX XXXX XXXX XXXX : {$720.00} ; XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX  : {$360.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX : {$530.00} ; XXXX XXXX XXXX  : {$71.00} ; XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated (CA)

Account name CONSUMER ADJUSTMENT CO Account number XXXX TWO collections on my credit report since a XX/XX/2022. I was XXXX  with my XXXX  child in XXXX of XXXX  - and this has since destroyed my credit and my opportunity to buy a house for my daughter and I. It says XXXX XXXX. I wrote a letter in the mail, emailed, and called for information about this debt - no reply, no response, no call back. I have disputed it several times on my credit report and they continue to deny my dispute. I have NEVER been to XXXX XXXX!!! I never received ANY mail or information about this prior to it appearing on my credit report. It is destroying my credit and its NOT MINE!!!! I called XXXX XXXX  and asked if they could look my name up and they said they dont have it in the system. The representative told me that people can sign up using any phone number and never pay and it will get charged to another persons account. I searched my emails and have NO emails from XXXX XXXX. My phone # was not in XXXX XXXX  system. I need this removed asap.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with XXXX XXXX  AND XXXX XXXX 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 XXXX XXXX XXXX. 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 to be removed. They are not in compliance with the following law. XXXX XXXX XXXX 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! XXXX XXXX XXXX ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX AND XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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 2022-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/XXXX I made a purchase of {$1600.00} from my Chase Business Debit Account to the merchant XXXX. The transaction was successfully processed and the funds were taken from my account. I was supposed to receive delivery of the product on XX/XX/XXXX but then the company informed me that it would take XX/XX/XXXX for the items to be delivered. However even after waiting several months I never received the product. On XX/XX/XXXX I contacted Chase Dispute Department about the {$1600.00} charge and how I did not receive the merchandise I ordered and how the merchandise has passed the expected delivery window. The Chase Claims representative assured me that the issue would be investigated and that I would receive provisional credit until the investigation was completed. A few days later I found out that my claim was denied because I had to report the claim dispute within 60 days of the transaction being posted. However, this is incorrect because the XXXX Chargeback Consumer Disputes guide section 13.1 Merchandise/Service Not Received. clearly states that : " The processing time limit is 120 calendar days from the last day the cardholder expected delivery ( not to exceed 540 days of the original processing date of the transaction ). '' In conclusion, I spent {$1600.00} with the merchant XXXX and never received the product I paid for. Furthermore, the {$1600.00} charge was successfully posted and the money was immediately withdrawn from my Chase Business Account. Furthermore, I contacted Chase Bank, informed them of the dispute and successfully filed a claim with them. Unfortunately, Chase Bank illegitimately declined my dispute claim with the merchant. Chase states that the claim was denied because I did not file the claim within the right timeframe, however, this is incorrect because according to the governing XXXX Chargeback Guidelines I have 120 days from the LAST DAY OF EXPECTED DELIVERY ( not 120 days from the date of the transaction posting ) to file a dispute claim. Now Chase Bank will not allow me to speak to the assigned agent on the claim to rectify this issue. Furthermore, they are not allowing me to reopen the claim or allowing me to see how they arrived at their decision. Its really annoying because I know this claim should have been approved according to Chase and XXXX 's own guidelines on chargebacks and disputes. Its even more irritating that they claim that the dispute was denied properly and within guidelines when the guidelines clearly state otherwise. I think Chase Bank is acting grossly negligent and is denying me of my rights as a consumer.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

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 informationisinaccurate.
Consumer complaint received 2022-07-27
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: CLGF Holdco 1, LLC (NY)

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

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. ()

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-09-23
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)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX, dba XXXX has attempted to collect a debt I do not owe on behalf of XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX  - Reference : XXXX relating to move-out fees. I've retained legal counsel, XXXX XXXX of XXXX, TX, who sent his most recent certified letter to this company dated on XX/XX/XXXX, to halt any collections activities or reporting. Today, XXXX XXXX XXXX, my credit alerts indicated that this company has reported a collections to the three credit reporting agencies and has dropped my scores in the excellent range ( 780+, 800+ ) which is down XXXX points due to their false collections reporting. They've violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) and I want the collections permanently removed off of my reports as this is a matter that will escalate a lawsuit. Again, my attorney has sent XXXX XXXX XXXX certified letters several weeks ago and has since attempted to call them I responded to their collections letter to formally dispute the debt that does not belong to me and contacted them by e-mail on XX/XX/XXXX and identified the debt for {$1200.00} for move-out related expenses to include a XXXX speaker system, cleaning fees, etc. which were are fees that I do not owe. I've never had any responsibility to any portion of this debt XXXX is attempting to collect, and I have evidence proving this since Ive documented everything via video of my move-in and move-out, along with e-mails to management, and sworn testimonies of gross negligence by XXXX malicious, incompetent managers which are attached as supplemental records. I've also attached my FICO scores to include XXXX and XXXX from XX/XX/XXXX to XX/XX/XXXX. As you can see, my XXXX FICO XXXX score dropped to XXXX and I've yet to see the damage this company has done to my XXXX FICO score due to their negligence and lack of due diligence and responsiveness. I've also included my formal statement and exhibits.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

In XXXX of XXXX I sent a second notice letter and submitted a complaint through the mail and their website regarding some disputes on my credit report. I asked for verification of the investigation and the documents used to verify the information listed in the dispute and on my credit report and received an email in XXXX letting me know they did not believe the letter came from me but I can dispute the information online. I immediately replied and said that it was me and even sent a copy of my drivers license for verification when I mailed my request. I have never been replied to and no action has been taken on my dispute.
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

On XX/XX/XXXX, XXXX XXXX alerted me to a " hard '' credit inquiry that took place on TransUnion. When I investigated, I saw that it came from XXXX XXXX XXXX. I did not apply for a new account with any company, including XXXX XXXX. 

I just received a letter in the mail from XXXX XXXX ( XX/XX/XXXX ) that is dated XX/XX/XXXX. As stated in second paragraph, " This letter serves to notify you that the approval of your application for a XXXX XXXX XXXX credit card has been reversed and your account will not be opened because the Program Fee was returned unpaid. '' I'm thankful the account wasn't opened, but need to report the fraudulent activity. I'm not sure what other steps to take to prevent this from happening again. If someone has my information to try to open an account, it's only a matter of time before they try it again.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Subject : Formal Dispute of Inaccurate Information Under 15 USC 1681e ( b ) and 15 USC 1681i ( a ) ( 5 ) Dear Sir/Madam, I am writing to formally dispute an account listed on my credit report. I have identified several inaccuracies associated with a late payment on my account, which I have detailed below : Creditor Name : XXXX XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX According to 15 USC 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. Additionally, 15 USC 1681i ( a ) ( 5 ) mandates that any disputed information found to be inaccurate or incomplete must be promptly corrected or deleted from the consumer 's credit file.

The inaccuracies in this account include : Please delete this Late payment for incorrect information. 
Given these discrepancies, I am requesting that you either update the information to reflect accurate details or remove the account entirely from my credit report. Failure to comply with the above-mentioned statutes will necessitate further action. 
Please be advised that if my request is not satisfactorily addressed within 30-45 days from the receipt of this letter, I will proceed with litigation to seek {$1000.00} in damages for each inaccuracy on my credit report as provided for under 15 USC 1681n and 15 USC 1681o . 
Attached, you will find copies of my credit report highlighting the inaccurate information, as well as any supporting documentation to substantiate my claim. Please conduct a thorough investigation and respond in writing to confirm the resolution of this matter. 
Thank you for your prompt attention to this important issue. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XX/XX/2022 I sent certified letters to XXXX, XXXX, and TransUnion regarding derogatory reporting and incorrect names/addresses/employers on my credit reports. All three bureaus stated that the information was removed but this is incorrect. I sent additional letters on XX/XX/2022 regarding the same issues, to which their response was the same. The last attempt was sent priority first class on XX/XX/2022. My name is misspelled, there are incorrect addresses, and past employers. I have included a copy of my driver 's license, social security card, and proof of residence with no adjustments to my credit reports. There are two accounts specifically that were reporting 30 days past due and I asked for verification with no response from TransUnion, XXXX, or XXXX.
Consumer complaint received 2022-07-27
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. (GA)

This is a Update for opened Dispute ID ; ( XXXX ) Date XX/XX/XXXX XXXX E.s.t As of this date on the credit report the last reported date was ; ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) The month of XXXX has updated. After research of the update, I believe the account / auto loan XXXX has reset the 7 years and 1 haft statutes of limitations. The account XXXX changed from XX/XX/XXXX to XXXX SECTION 605 ( c ) ( 1 ) accounts are scattered for these dates. Updated in payment history was not properly reported Information is also missing from Agencys After researching, I believe this report remains extremely confusing and is not clear and accurate.

15 U.S.C 1681 Section 602 ( a ) Accuracy and fairness of credit reporting.

( 1 ) The banking system is dependent upon fair and accurate credit report- ing . Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

These inaccuracies have effectively negative impact on my confidence. It is difficult and It is a burden trying to open a new bank account I will include pictures for this update
Consumer complaint received 2022-07-27
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: PNC Bank N.A. (OH)

Asked PNC BANK for replacement payroll card on Friday, XX/XX/2022. Was told it would be sent in 5-7 business days. It is currently Wednesday, XX/XX/XXXX and I have not yet received the replacement payroll card. Tried to contact customer support on Tuesday, XX/XX/XXXX about not having received the replacement payroll card yet, but was sent back to the starting menu by the support agent instead of receiving help. I have not been able to use my last 2 paychecks. Currently only have the old deactivated card.
Consumer complaint received 2022-07-27
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. (GA)

This is a Update for opened Dispute ID ; ( XXXX ) Date XX/XX/XXXX XXXX E.s.t As of this date on the credit report the last reported date was ; ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) The month of XXXX has updated. After research of the update, I believe the account / auto loan XXXX has reset the 7 years and 1 haft statutes of limitations. The account XXXX changed from XX/XX/XXXX to XXXX SECTION 605 ( c ) ( 1 ) accounts are scattered for these dates. Updated in payment history was not properly reported Information is also missing from Agencys After researching, I believe this report remains extremely confusing and is not clear and accurate. 
15 U.S.C 1681 Section 602 ( a ) Accuracy and fairness of credit reporting.

( 1 ) The banking system is dependent upon fair and accurate credit report- ing . Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

These inaccuracies have effectively negative impact on my confidence. It is difficult and It is a burden trying to open a new bank account I will include pictures for this update
Consumer complaint received 2022-12-12
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-07-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

Mortgage company received bill for property taxes on property which I do not own. Mortgage company negligently paid the county for property taxes on property that I do not own, using money from my escrow. approximately {$21000.00} Mortgage company refuses to take any action to remedy this.