davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is the several times I've complained about being a victim of identity theft. You must remove/block these accounts that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lewis, McDonnell & Associates (GA)

The inaccurate information above was never verified to be in line with official reporting standards. The information above was never confirmed to be accurate, complete, timely, or valid. You must provide proof of compliance with reporting standards and applicable consumer laws. The information above is insufficient.
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (TX)

In XXXX of XXXX, JPMCB/ Chase Bank listed a credit card account as charged off to all 3 credit bureaus. The account has remained as " charged off '' since and there has been no update to the status of the account, no payments made, and no card activity since XXXX XXXX. In early XXXX, JPMCB/ Chase Bank incorrectly reported the account as charged off XX/XX/XXXX. 

They have improperly changed the charge off date which has caused my credit score to drop across all 3 bureaus. I was able to successfully dispute the record with XXXX but I am waiting to see what XXXX and XXXX will do. In the meantime, credit is damaged and I am concerned that my current limits may be cut or have my accounts closed as a result of this JPMB error.
Consumer complaint received 2023-09-17
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. (IL)

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 2023-09-17
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. (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 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Recently I loocked at a copy of my credit report and noticed several inaccuracies on my account. this account is hurling my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy. 
here is the item i am asking yoy to verify as accurate : XXXX XXXX
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Upon inspection of my credit report, I noticed the following information is incorrect : My full name- There should be no other names listed on my report. Please remove all the other names you have listed as they are incorrect. 

My date of birth is reported incorrectly. 

My social security number is reported incorrectly. 

My current address - Any other addresses are undeliverable, and I have no access to them. Please remove these incorrect addresses immediately. 

You have an employers listed. These are not my employers, please remove from my report. 

I do not wish to have any telephone numbers on my report. 

Attached is the supporting documentation to validate my dispute. Please update your records promptly.
Consumer complaint received 2016-03-22
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BB&T CORPORATION (TX)

I purchased a New XXXX Dodge Dart from XXXX XXXX. This vehicle was a Lemon and at XXXX miles the Head/Upper Engine Block failed, I took it to be repaired and after attempting to blame me until I verified the Oil I performed my XXXX oil changes with as being appropriate The dealership repaired the vehicle. My confidence in the vehicle was broken and I went online to XXXX to complain. The XXXX company responded via a Public relations spokes person. 
I received a XXXX % employee discount and rebates toward the purchase of the vehicle. 
Unknown to me at the time of purchase the cost of the Lemon was " rolled into '' the cost of the new purchase. 
I am now contracted to pay XXXX on a vehicle appraised at XXXX In addition I testified against the Veterans Administration and gave congressional investigators information. The VA retaliated and my pay was affected. 
I went to work for the Texas Department of Criminal Justice and currently earn XXXX LESS per month. 
This affected my ability to pay my XXXX loan payment monthly. 
After receiving and recording threatening Phone calls from Regional Acceptance Corporation, I asked for a supervisor to speak to me regarding my case. 
The Head of the XXXX office spoke to me and arranged a separate arrangement wherein I paid XXXX per Month to " Catch Up ''. I made Five Payments, those payments were documented as being XXXX with the consumer credit bureaus and the website. It is notable that during this good faith payment attempt, I was purposely mis-documented and reported, a repossession order was claimed and shows up on my credit reports. 
When repercussions of my ongoing retaliation from the VA again affected my Pay, The account was closed and Because I was unable to make more than a good faith payment on one occasion. 
I formed a trust because I am unable to continue making exorbitant payments on a XXXX Dodge Ram of XXXX when the value of the vehicle at its highest possible valuation is XXXX.
Consumer complaint received 2023-09-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (TN)

Paypal allowed me to transfer money from my banking account into my Paypal wallet on XX/XX/XXXX, but refuses to let me withdraw that money, even though it was an accident to transfer the money into the account. 

Paypal claims my account needs more information, yet that clearly did not stop them from accepting the transfer into the account. I just want my money back in the original account that initiated the transfer. 

After reaching out to Paypal on XX/XX/XXXX, asking for a refund of the transfer, the customer support agent informed me I needed to wait XXXX  months for the money to be returned. I did not receive the money then and still have not received it back, it is still in my digital wallet. 

Of course, the message center did not store the historic communications and seemingly only recently expanded their retention policy to 3 years starting XXXX, XXXX.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

I recently reviewed my credit report and there's a lot of inaccurate information and unauthorized infractions as well as fraudulent information such as address and unknown phone numbers reported on my profile. I request that this information be removed under 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such agency of 15U.S code 1681i Procedures in case of disputed accuracy ( 1 ) Reinvestions of Disputed Information ( A ) In General Subject to subsection ( f ) and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, The agency shall, free of charge, conduct reasonable reinvestigation to determine whether the disputed information in inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ) before the end of day period beginning on the date on which the agency receives the notice of the dispute from the consumer or seller
Consumer complaint received 2016-02-18
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Capio Partners, LLC (NY)

Capio Partners alleges that I have an outstanding debt with them from a hospital visit from over three years ago. According to NJ fee law ( XXXX ), " No health care provider may demand or request any payment from any person in excess of those permitted by the medical fee schedules and this subchapter, nor shall any person be liable to any health care provider for any amount of money that results from the charging of fees in excess of those permitted by the medical fee schedules and this subchapter. '' My car insurance company paid according to the NJ fee law, and I have the bill, receipt, and fee schedule sheets to prove that. I have faxed these records to Capio and they have refused to acknowledge receipt of them : putting me on hold, hanging up on me, etc. It is not my fault that the hospital was unaware of the law, which clearly states that the insurance pays according to the NJ fee law and the remainder of the money owed must be wiped and can not be the insurance or the patient 's responsibility. My credit score includes this debt to Capio Partners -- it is of course in the amount that is leftover after the NJ fee law funds -- even though I have legal proof that I do not owe this group any money.
Consumer complaint received 2023-09-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC. (CO)

I paid my loan off around XX/XX/23. I want a refund check mailed to me. I do not want some type of card that has to be opened by calling a XXXX number. this affects credit scores and opens me up to hacking and fraud. I just want my refund check mailed to me asap.
Consumer complaint received 2023-09-16
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. (IL)

I recently reviewed my credit report and there's a lot of inaccurate information and unauthorized infractions as well as fraudulent information such as address and unknown phone numbers reported on my profile. I request that this information be removed under 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such agency of 15U.S code 1681i Procedures in case of disputed accuracy ( 1 ) Reinvestions of Disputed Information ( A ) In General Subject to subsection ( f ) and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, The agency shall, free of charge, conduct reasonable reinvestigation to determine whether the disputed information in inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ) before the end of day period beginning on the date on which the agency receives the notice of the dispute from the consumer or seller
Consumer complaint received 2023-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

XX/XX/2023 I became a victim of fraudulent activity and theft involving my accounts with Chase. The hackers disputed XXXX claims stating payments I had legitimately made to my mortgage, car, credit cards payments and utilities over a year ago. Chase was neglected and never informed me via phone, text, email or other communication and advised until later XX/XX/2023. This is when I went to a local branch and discovered all the fraudulent activities. The hackers were able to complete transactions of cashing out the money Chase had given temporary for those disputes. I would never authorized or make these type of transactions totaling {$18000.00} as it would put my housing in jeopardy as it currently is. I have filed a claims against those transactions and havent gotten anywhere. They were able to retrieve the money via XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX. I am now delinquent with my mortgage and car and other bills on payments I had already made and had no intention of disputing with my bank as it will fraud. I currently have no funds in my accounts and Im currently negative. My credit is also been impacted. I should of been protected by my financial intuition in securing my money as the market themselves. Zero liability protection. They should of stopped this from happening as it should been a reg flag to them. For example someone stopping their mortgage payments from last year. I also have had a relationship with Chase for over XXXX years which they are now suspending due to their own negligence. I dont know what else to do as I have also called the police and opened a case. I HAVE never authorized any of those claims and removed any funds from my accounts. Now Im behind all my bills after being up to date with them. I have also reached out to XXXX XXXX, XXXX XXXX and the rest as well as the credit bureaus to advise I was a victim of fraud an identity theft as the hackers have all my information. I have also file a complaint with the local police in XXXX as some of the money was transferred there. Im in desperate need of help and guidance. Im a single XXXX and have no financial support. I have advised Chase the money belongs back to my creditors or its Chase money. I want to be right with everyone. I can provide any information needed that I might have Cant upload them as there too many. 

Thank you
Consumer complaint received 2023-09-11
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)

there is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be BLOCKED and DELETED. My request to block is not being made in error ; nor is my request to block is being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 
The identified transactions are not information related to any transaction by me as the consumer. 

Based on 15 U.S Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of the receipt It has been 30 days and you are in violation of this law because I am a victim of identity theft! please delete these items as soon as possible! 

These accounts and inquiries should not be furnished on my consumer report as they are in violation!! Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. 
I never gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

PLEASE DELETE THESE ACCOUNTS IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE THESE INQUIRIES IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA law 15 USC 1681 I have not given written permission to put anything on my credit profile have violated me pursuant to 15 USC 1681 B the permissible purpose of Consumer Reports you have no permissible purpose by law to contact third parties with my private and personal information your offenses amount to aggravated identity theft pursuant to title 18 USC felony punishable 1028A in addition to civil liability up to {$1000.00} per violation you are also in violation of 15 USC 1692 my instructions are for you to delete these accounts immediately.

PLEASE AND THANK YOU.
Consumer complaint received 2024-08-14
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: Experian Information Solutions Inc. (FL)

Dear Experian Dispute Department, I am writing to formally dispute the reporting of certain charge-off accounts on my credit report. These accounts are inaccurately listed as charge-offs, and I request that they be updated to reflect Paid as Agreed. 

The accounts in question were discharged by the creditor, and I have filed Form 1099-C with the Internal Revenue Service ( IRS ) as required under federal law. The discharge of indebtedness is considered taxable income under the Internal Revenue Code ( IRC ) 61 ( a ) ( 12 ), and I have reported it as such on my income tax return. The creditor has also provided me with a copy of the 1099-C, which serves as official documentation of the cancellation of the debt.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., credit reporting agencies are required to ensure the accuracy and completeness of the information included in a consumers credit report. The continued reporting of these debts as charge-offs, when they have been discharged and recognized as taxable income, is neither accurate nor complete. Specifically : - **15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ** mandates that furnishers of information provide accurate information to consumer reporting agencies. 
- **15 U.S.C. 1681s-2 ( b ) ( 1 ) ( E ) ** requires the consumer reporting agency to modify or delete inaccurate or incomplete information once it has been disputed.

Since the debts have been discharged and are no longer owed, they should be reported as " Paid as Agreed '' or removed entirely from my credit report. Failure to update this information could be seen as a violation of the FCRA.

Please find attached copies of the relevant Form 1099-C, IRS documentation , and other supporting documents. I expect that this matter will be resolved promptly, and my credit report will be updated accordingly. 

I request that you provide written confirmation of the changes made to my credit report in response to this dispute within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX **Attachments : ** - Copy of Form 1099-C - IRS documentation
Consumer complaint received 2023-12-24
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: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX is reporting inaccurate information to the consumer reporting agencies. After disputing the account multiple times they stated the information was accurate. They failed to reinvestigate the information and they are stating that the account meets the FCRA guidelines it does not it is not accurate information. A reasonable reinvestigation would have identified these errors, including but not limited to inaccuracies in the date opened, last payment date, payment history, balance history, and payment history guide. This information is causing me financial loss, credit score damage, and severe XXXX.
Consumer complaint received 2023-12-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (MA)

need clarification as to why you are reporting certain information on my credit report. Please review the following YOU ARE REPORTING THIS ACCOUNT AS CHARGED OFF YET YOU ALSO REPORT A MONTHLY PAYMENT? DELETE ACCOUNT IMMEDIATELY FOR INACCURATE REPORTING. 

After you have finished my request, send me a copy of my credit report reflecting these changes. 

I have also NOT received a 1099-C even though I have asked for one multiple times. Yet you marked this account as a WRITE OFF on my credit reports PLEASE DELETE THIS ACCOUNT IMMEDIATELY