davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-15
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. (WI)

I initiated a dispute of {$250.00} against XXXX XXXX XXXX on my Chase United Quest credit card in XXXX, as they ( XXXX XXXX XXXX ) did not provide the service that they promised. On XX/XX/XXXX, I received a letter from Chase saying that the merchant responded and that Chase was agreeing with the merchant and considered the dispute closed. Along with the letter from Chase was an attached letter from the Vice President of XXXX XXXX XXXX. I read through the lead where he made numerous false statements against me, and I immediately called Chase asking to re-open the dispute. 

I called Chase and was told I had to fax my account of events along with any evidence that I had. On XX/XX/XXXX, I faxed my statements along with evidence that the Vice President of XXXX XXXX XXXX was lying and that they never provided the service that I had paid for. 

Chase sent me a letter on XX/XX/XXXX, again, saying that they considered the dispute closed. I called Chase again in which the Customer Service Representative told me that Chase took the original letter that XXXX XXXX XXXX published as evidence, and did not ask for further evidence even though the letter I faxed in clearly showed that XXXX XXXX XXXX was at fault. 

I told Customer Service Representative that I wanted to re-open the dispute again and they told me that the time period for that has expired. 

Chase 's unwillingness to even read my letter, which clearly showed XXXX XXXX XXXX 's deceptive business practices is what led me to file this complaint. 

I am attaching my dispute letter to, and all the evidence I submitted to Chase below.
Consumer complaint received 2024-08-23
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. (GA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX opened XXXX XXXX # XXXX, Account name : XXXX XXXX opened # XXXXAccount name : XXXX XXXX # XXXX, Account name : XXXX  # XXXX opened XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX  acc # XXXX. {$440.00} XXXX XXXX acc # XXXX XXXX has violated my rights. 

I looked at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need thses account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXXXXXX XXXXXXXXand
Consumer complaint received 2024-08-23
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. (AR)

I am writing to formally dispute certain adverse items on my credit report, which I believe are inaccurate and were made without my consent. Under the Fair Credit Reporting Act ( FCRA ) Section 1681b, a credit report can only be accessed under permissible purposes, and any inquiries that do not meet these criteria should be removed.

I did not authorize these inquiries, and they do not comply with the permissible purposes outlined in Section 1681b of the FCRA. Therefore, I request the immediate removal of ALL unauthorized hard inquiries from my credit report.

15 USC 6802 b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' I WAS NEVER INFORMED OF THIS RIGHT! 

I am very distressed that you have included this information in my credit profile due to its damaging effects on my good credit standing. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a home loan, which was highly embarrassing, has negatively impacted my lifestyle, as well as is now depleting my personal finances. This error has undermined my confidence in the public. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2018-07-23
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. (TX)

I have made several attempts with Equifax to have the below inquiries removed from my Equifax ' report with no success. I provided the letters received from the creditors and they continue to refuse to remove these inquiries from this report. Please know that both XXXX  and XXXX have removed as required. I have the letters from all three creditors indicating they have reached out to Equifax. More specifically XXXX  assured me Equifax, via confirmation from Equifax, had received their request to have this inquiry removed : I provided a letter from XXXX XXXX stating they had submitted my car loan application to multiple creditors without my authorization. In addition, I submitted a letter from both of these creditors stating they have reached out to Equifax. But again, they refuse to remove these. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX inquiry dated XX/XX/XXXX XXXX XX/XX/XXXX XXXX ran a credit inquiry during a refinancing of our home. The home was to be refinance without my name but the title was to be joint holder. They corrected this with XXXX and XXXX  but have been unsuccessful with Equifax. I have the letter from XXXX in addition to them reaching out to Equifax. 

They continue to report incorrect information and continue to send me updates stating these are factual when indeed they were not authorized by me. 

If copies and evidence is required I will submit. This might seem as a small issue however these reports are used by creditors to make decisions on behave of the consumer and as such should be correct regardless of how severe of an impact. 

Thank you for your assistance. 

XXXX
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and would like for all listed listed accounts to be blocked and deleted. 

XXXX XXXX LAST 4 of Social : XXXX XXXX : XX/XX/XXXX XXXX XXXX : # XXXX, XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX # XXXX violated my rights. 

I looked at my Equifax credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 2021-12-15
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: JPMORGAN CHASE & CO. (NY)

XXXX XXXX XXXX XXXX issued me a check after closing out my deceased father 's checking account. They sent me a check for {$7300.00} but it was stolen on XX/XX/2021. My signature was forged and the check was cashed at a Chase location. 

I submitted a Declaration of Lost Cashiers Check and a notarized Claim of Forged/Unauthorized/Altered Check Declaration to XXXX XXXX XXXX XXXX XXXX 

On XX/XX/2021 Chase told XXXX XXXX XXXX XXXX that they would issue me a cashiers check. 

On XX/XX/2021 I received an email from XXXX XXXX XXXX XXXX saying, " We were notified on XX/XX/2021 That Chase Bank would be sending a check to XXXX XXXX XXXX XXXX. As soon as that check is received by our back office they will notify me to issue you a new check. I will reach out to you as soon as I get the okay to process this. '' XXXX XXXX XXXX XXXX has followed up with Chase on numerous occasions since that date and as of XX/XX/XXXX, I have still not sent the cashiers check. 

I've tried to reach the right person at Chase to complain to but they refuse to give me any contact information. XXXX XXXX XXXX XXXX claims that Chase is now unresponsive to their emails.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX  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 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-08-22
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. (GA)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2018-04-04
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: COMMUNITY CHOICE FINANCIAL, INC. (OH)

These people constantly call my phone asking for someone else. I have told them on numerous occasions that I did not know the person and to stop calling my phone yet they have continued to harass me. The most recent phone call was today, XX/XX/2018. They keep telling me that they will remove my phone number but that is obviously a lie since I received another phone call today ( XX/XX/2018 ). They say just enough to get me off the phone after sensing and hearing the anger in my voice but do absolutely nothing to remedy the situation by removing my telephone number. Based on what I have experienced, it would appear to me that their collection practices are borderline illegal seeing as how they keep calling me after being told multiple times to stop. If they do not stop harassing me, I am seeking legal remedies.
Consumer complaint received 2021-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: GOLDMAN SACHS BANK USA (IL)

Goldman Sachs incorrectly states : " Customer did not satisfy the XX/XX/2021 statement balance in full by the due date. '' As a result, the Bank assessed interest on XX/XX/2021 in the amount of {$83.00}. Furthermore Goldman Sachs falsely reported to the credit bureau that I was late which has caused damage to my credit score. 

I would like proof from Goldman Sachs that I did not satisfy XX/XX/2021 statement balance in full, and I can assure you they can not do so. Goldman Sachs have even failed to explain to me how I was late the multiple instances of me trying to reach out to them to get an understanding the current situation which they failed to disclose the steps to resolve the problem of my account. 

In the month of XX/XX/2021 the minimum payment required was {$25.00}, A payment was made on XX/XX/2021 in the amount of {$850.00}. A secondary payment was made in the same month on XX/XX/2021 in the amount of {$300.00}. This is a total of {$1100.00} payments made in the month of XX/XX/2021 to which XXXXoldman Sachs says I am late. How is this possible? 


I will submit proof of payment made here.
Consumer complaint received 2021-12-10
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. (GA)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 15 usc code 1681b ( a ) ( 2 ) I have not given any permission to report this account, please remove ACCOUNT from my credit report.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (AZ)

In XXXX and XXXX, I filed disputes on three items that were listed on my credit report as discharged in bankruptcy. I provided documentation regarding payoff of two of those items a Mortgage and a Heloc, and proof of ongoing items on the auto loan. Their investigation came back stating that the reporting was correct. So, I filed appeals, and was able to get to a bankruptcy specialist who reviewed my documentation for the HELOC and removed it from my report. After getting similar reporting from all agencies, I was confused. After much investigating, I found out that my attorney lied to me and that even though I signed reaffirmation statements and continued to pay on those 3 loans, they were included in the bankruptcy. I have also since found out that there is not much I can do other than to file a complaint with the Bar association against my attorney. 

I called Equifax today, XXXX, to see if I could find out if I had any other options, especially with the proof of paperwork from my bankruptcy petition, that listed these three items as exempt. The proof of the reaffirmation document, and the proof of my paying off two and continued paying of one. I also had read if anything I could make a statement on my credit report. It took me 20 minutes bouncing around the phone system before I was even able to get to a human. Then when I asked for a specialist, I went through the entire verification system, and then was told I had to use their link to verify my license and a picture of my face. The link worked for the license, but it would not take a picture of my face. It eventually kicked me out of that section of the verifying. At that point, the specialist told me that I would have to call back. I said it took me over XXXX minutes just to get to that stage and it's not my fault that the link didn't work. She then rudely told me that she was not able to send me a link again, and " since I ended it '', I would have to call back. I " did not end it '' the link wouldn't take the picture of my face. I asked if there were any other ways to verify my information as we were almost at XXXX minutes at this point. She said there was not. So I asked for a manager. She then claimed that her position is higher than a manager, therefore that is why I was sent to her. I then said, where do I make complaints about this as it should not be this difficult to get a human, let alone, when their system doesn't work, then it's too bad for the customer and they just need to call back. She then told me she could give me an address to send a complaint! This is ridiculous. I am already tremendously frustrated with trying to correct my credit reporting due to a lying lawyer, to then have this much difficultly just trying to get answers about options, and being treated rudely for something I have no control over, is unacceptable.