davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-18
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. (MI)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 XXXXXX/XX/XXXX.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NY)

Social XXXX on my eqigax membership can acces ny credit fied or score it gives messege blank also my creditors or other creditors canr get credit report it gives them no hit this veen going on for 3 months
Consumer complaint received 2023-04-26
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. (LA)

This is my fourth endeavor to tell you 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX : {$15000.00} XXXX XXXX  XXXX Balance : {$15000.00} XXXX XXXX XX/XX/2021
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to formally request the blocking and deletion of fraudulent accounts on my credit report, as I am a victim of identity theft and a recent data breach. Pursuant to 15 U.S. Code 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have any accounts resulting from fraudulent activities removed from my credit report. 
The following accounts are inaccurate and have not been authorized by me : XXXX. XXXX XXXX XXXX XXXX : XXXX o Open Date : XX/XX/XXXX o Balance : {$750.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$470.00} XXXX. XXXX XXXX XXXX XXXX  Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Open Date : XX/XX/XXXX o Balance : {$890.00} XXXX. XXXX o Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$26000.00} XXXX. XXXX XXXX Account XXXX : XXXX o Open Date : XX/XX/XXXX o Balance : {$18000.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$890.00} Additionally, please remove the following unauthorized inquiries from my report : Bank XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Resident Verify Date of Inquiry : XX/XX/XXXX XXXX Card Date of Inquiry : XX/XX/XXXX
Consumer complaint received 2021-04-12
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. (CA)

Please help I feel these accounts are adversely affecting my credit report and cost me thousands of dollars in interest every year. Its been over 60 days and I need these problems fix ASAP I will not wait another 50 plus days to receive no response because clearly, I am being ignored. I demand these accounts to be deleted immediately, or I will file for litigation due to the stress you cost me. Thank You
Consumer complaint received 2020-07-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NV)

My loan was PAID IN FULL on XX/XX/2020. On XXXX I placed my FIRST phone call to LoanCare to find out why I haven't received any kind of written acknowledgment my loan ( XXXX XXXX XXXX ) was paid in full, WHY they haven't reported the paid status to the credit reporting bureau and WHY they haven't reconveyed my loan of record. Spoke to " XXXX '' @ XXXX XXXX PST. Basically got run around and was transferred to an 'off-shore ' service center. Got BIGGER run-around from " XXXX '' claimed a letter was sent, asked her to verify where, she gave me my address without a Unit number. I corrected her - she got snotty & instead of transferring me, disconnected me. On XXXX I placed by SECOND call, was disconnected 3 times before calling a different number to the wrong department & had them transfer me. Spoke with " XXXX '' @ XXXX XXXX PST. Told her I STILL haven't received any written notification of my loan being paid, the reconveyance was STILL not of record & my Credit Score was being impacted because they STILL didn't bother to report the paid in full status to the credit bureaus. She said a letter was sent to me - gave me address STILL without my unit number. I corrected HER & she said the credit bureaus would be notified, a duplicate letter would be sent & the reconveyance had been sent to record, and nothing in my email either. We are now at XXXX STILL no reconveyance is recorded, no letter has been received, and I have had the latest credit report STILL not showing the loan is paid in full. This company feels they can do whatever they please with no consequences. I am DONE playing with them & think they need to answer to their regulatory agency. By LAW they have 30 days to release a security instrument after payoff.
Consumer complaint received 2024-10-18
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. (OH)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2023-04-16
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: EQUIFAX, INC. (NY)

as of XX/XX/ i have notice fraud accounts and inquiries on my credit report account name : XXXX XXXX account # XXXX account type : credit card date XXXX credit limit : XXXX high credit limit : XXXX $ last date XXXX incomplete account number this is grounds for removal of fraud account " fair cares act ''
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Equifax Credit Bureau, has violated the The Fair Credit Reporting Act ( FCRA ). On multiple occasions. As well breached trust. I have reported multiple times and disputed errors. Starting XX/XX/2023, when they rereported an old account and deducted another XXXX points, than shortly after deducted another XXXX points for an account having a XXXX balance. On XX/XX/2023 and XX/XX/2023 they deducted an additional XXXX points than XXXX points on an account they reported closed. Which was not closed. Attached are bank statements to prove their inaccuracies and incompetence. Than on XXXX XXXX 2023 they deducted XXXX points with no explanation. There has been no activity, no new accounts, no delinquency since XXXX, 2023 when i began to realize credit score decline. Yet they continued to show inaccurate information. I disputed each error, they refused to correct. When I called they stated they had no supporting documents or reason as to why XXXX points where deducted in the recent two months. They refused to provide report, refused to provide credit inquiry and itemized deduction. I have no collections, no debt. They have failed to provide documents to explain. They admitted to not seeing anything to show why my credit was decreasing. I have reported them to the FTC as well.
Consumer complaint received 2023-04-14
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. (FL)

I review my Consumer reports and noticed that I had four late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of their ability with MAXIMUM ACCURACY. I have never been late on payments for the account XXXX XXXX XXXX, account noXXXX. Please investigate and provide PROOF with Statements showing these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER LATE. 

Thanks
Consumer complaint received 2020-04-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (IN)

My wife and I are long time Chase customers. We have a checking account and three savings accounts with Chase. We also have three Chase credit cards. On XX/XX/2020, at the request of a seller, my wife and I initiated a transfer of {$770.00} through the Chase App. On the Chase App there is an icon for QuickPay with XXXX. There is nothing on the Chase App stating that Chase would not support a customer in challenging a QuickPay with XXXX transaction or that Chase 's QuickPay with XXXX is not afforded the same protections as any other transaction through Chase. A couple of hours after the transaction was initiated we discovered that the seller was running a scam and that we would never receive anything from the purchase. At that time, the transaction was still showing as pending on our account. We immediately attempted to notify Chase of the fraudulent transaction and ask that it be reversed. Because of COVID-19 Chase 's fraud department was not operating on Saturday, XX/XX/XXXX or Sunday, XX/XX/XXXX. As a result, instead of having someone being able to assist us we had to send an e-mail to Chase through its e-mail system. At that time we provided Chase with the information it would need to contact the receiving bank to challenge the transaction. In response we received an e-mail stating that due to increased volume we could expect a delayed response of a week or more. On Monday XX/XX/2020, we attempted to call Chase 's fraud department. At that time the transaction was still showing as pending on our account. After being on hold for 4 1/2 hours, we were finally able to speak to a representative in the fraud department. The representative informed us that Chase was not going to contact the receiving bank and it was not willing to assist us in attempting to recover our money. The problem is that other than the receiving bank account ( which has not been shared by Chase ) we do not have any other valid information that could assist us in pursuing the fraudulent seller. We continued to follow-up through the secured message center. Then on XX/XX/2020, Chase informed us that it was denying our claim because the transaction can not be recovered by the bank without further explanation.
Consumer complaint received 2022-04-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Neon Newco Corporation (CA)

I have a XXXX XXXX XXXXr monthly service plan fee for the past two years I have paid each month 2 times they are convinced I don't and won't help stop the overcharging or credit it. This last month 3 times overcharged. XXXX XXXX for monthly service plan fee and also I am over charged at there atm who. Pays XXXX to use an ATM every month. I don't know how come it's not cheaper it use to be that this was at ace check cashing with my NetSpend card
Consumer complaint received 2023-04-14
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. (FL)

Equifax, XXXX and XXXX are violating my consumer rights. 
I have been violated, I have found late payments reporting no my credit report based on the laws Im a consumer, you can not report these negative remarks on my credit profile according to 15 USC 1681a ( 2 ) exclusions, ( i ) A consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. This is hurting my report, this is causing me to be denied credit. 

Please see the definition of a Consumer report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

Please see definition of a consumer ( c ) The term consumer means an individual. 

Please see the definition of a person ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 

Please see listed accounts reporting late payments XXXX. XXXXXXXX LATE PAYMENTS REPORTED XXXX. XXXXXXXX XXXX LATE PAYMENT XXXX  XXXX XXXXXXXXXXXX LATE PAYMENTS XXXX. XXXX XXXX-NO ACCOUNT NUMBER LISTED- XXXX LATE PAYMENTS
Consumer complaint received 2021-09-14
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. (NJ)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2023-04-14
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. (MO)

I am XXXX XXXX and I am making this complaint to alert you that I was the victim of identity theft. I recently obtained a copy of my credit report and was surprised to discover that there are numerous accounts on it that I did not open and am unaware of. I investigated how to delete the false accounts on my report and discovered that I needed to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to make a report and that Credit Reporting Agencies are obligated to remove any accounts listed on an ID THEFT REPORT under FCRA section 605b. Please see the ATTACHED materials for assistance in preventing the incorrect information that is being uploaded to my report. I'm talking about the following items : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXXXXXX XXXX XXXX  XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ), CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer designates as information resulting from an alleged identity theft within four business days of receipt.
Consumer complaint received 2023-04-14
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)

Information in my report concerning an account furnished by XXXX ( XXXX XXXX XXXX XXXX ) is inconsistent and inaccurate with credit reporting bureaus. I have disputed this item numerous times and have yet to receive verification of the debt nor documentation that I engaged in a contract with my signature for an account with this company.
Consumer complaint received 2023-05-19
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. (MI)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$900.00} ; XXXX XXXX XXXX Balance : {$3900.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$870.00} ; XXXX  XXXX Balance : {$2100.00} ; XXXX  XXXX Bankruptcy : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX XXXX Balance : {$800.00} ; XXXX  XXXX XXXX Balance : {$430.00} ; XXXX  XXXX XXXX Balance : {$190.00} ; XXXX  XXXX XXXX Balance : {$910.00} ; XXXX  XXXX XXXX Balance : {$1100.00} ; XXXX  XXXX XXXX Balance : {$160.00} ; XXXX  XXXX XXXX Balance : {$140.00}.
Consumer complaint received 2024-10-30
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. (WA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation
Consumer complaint received 2023-05-18
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. (CA)

fraudulent inquires to be removed XXXX INQUIRY XXXX ON XX/XX/XXXX, XXXX XXXX DATED ON XX/XX/XXXX, XXXX  XXXX IQNUIRY DATED ON XX/XX/XXXX, XXXX  XXXX INQUIRY DATED ON XX/XX/XXXX, XXXX  XXXX XXXX XXXX INQUIRY DATED ON XX/XX/XXXX, XXXX XXXX XXXX XXXX DATED ON XX/XX/XXXX, XXXX XXXX XXXX DATED ON XX/XX/XXXX, XXXX XXXX XXXX DATED XXXX XX/XX/XXXX, XXXX XXXX DATED ON XX/XX/XXXX, XXXX  XXXX XXXX DATED ON XX/XX/XXXX, XXXX XXXX DATED XXXX XX/XX/XXXX
Consumer complaint received 2023-05-18
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. (CA)

XXXX XXXXXXXX XXXX is account is closed and 7 years and XXXX months old. Balance is XXXX. No payment history. Why is this still showing on my credit report??? What is this showing the credit report?