davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-26
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. (NV)

Dispute of Inaccurate Credit Reporting FCRA Violation Dear Credit Reporting Agent I am writing to formally dispute the reporting of an account that you hold on my credit file, which I believe violates the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 3 ) and the Uniform Commercial Code ( UCC ). The account in question is associated with opened on XX/XX/year>, for the amount of {$1000.00}. Upon reviewing my credit report, I noticed that the account does not accurately reflect the payment status. Specifically, it fails to indicate that the account was " paid less, '' which misrepresents my payment history and adversely affects my credit score. According to the FCRA, all information reported to credit reporting agencies must be accurate and complete. The failure to report the correct payment status violates federal law. 
Additionally, the UCC mandates that all parties involved in a credit transaction must report accurate information regarding the status of accounts. Given these violations, I hereby demand that you rectify this reporting error immediately by updating the account information to reflect the accurate payment status of " paid less. '' Furthermore, I request that you remove this account from my credit files with all credit reporting agencies if you can not provide accurate reporting. Please provide me with written confirmation that you have received this dispute and the actions taken to resolve it
Consumer complaint received 2023-07-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (UT)

Fraudulent ACH Payment Transfers on XX/XX/2023 Received Fraud Alert Text from XXXX Received follow-up call back from XXXX During this phone call, the Chase rep stated her name was XXXX XXXX XXXX She asked me to verify with codes several times. We went through several troubleshooting tests with emails and texts for about an hour. She noted that they would need to freeze the account while they investigated the fraud charge from XXXX. She gave me a new username and password and said that my new debit card would be in the mail after about a week. 

Once all my information was verified, they had access to do several fraud ACH transfers. I was not able to login to my online acct because I was told I would be getting a new card in the mail and while the acct was under investigation they had to freeze it. 

XX/XX/2023 : fraudulent ACH transfer of {$49000.00} to XXXX XX/XX/2023 : fraudulent ACH transfer of {$49000.00} to XXXX XX/XX/2023 : fraudulent ACH transfer of {$49000.00} to XXXX XX/XX/2023 : fraudulent ACH transfer of {$49000.00} to XXXX XX/XX/2023 : fraudulent ACH transfer of {$49000.00} to XXXX XX/XX/2023 : fraudulent ACH transfer of {$8700.00} to XXXX Total transfers stolen out of my business checking account = {$250000.00} I've been working with my bank ( Chase ) since XX/XX/XXXX and they have told me there is nothing that they can do and that there is no way to verify this was fraud. They have never asked me any followup questions and/or interviewed me or done any real investigation to see that this has been a phishing scam. They claim that the scammer was able to verify, which is exactly what happened because they had hacked into my acct online and were able to forward the codes to themselves. I have had no support from my bank even though the phishing phone calls and texts were spoofed as their customer services lines. I have been offered no protection from this huge catastrophe that is affecting my business in a very dramatic way. I have given them my phone history, text history and still no aid has been given. If you look at our two year history of this account, there is no other transactions that even come close to these transfers. It is common sense that these have indeed been fraud, but I have been left with nothing and no protection. If anything, I have been treated like a criminal by Chase by them continually closing out my claims without asking me a single question. I feel completely vulnerable and not protected by my financial institution. It has been laughable how quickly they have washed their hands of this very serious incident.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-07-27
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)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : Original Creditor : 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
Consumer complaint received 2023-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-01-09
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: Alpha Recovery Corp (CA)

I am victim of identity theft and fraud. There were several personal and business ; credit cards and loans applied on my behalf from an businessman who said he was helping me find a house for purchase. Suspect name XXXX XXXX, he is in jail at XXXX County, for other fraud charges. He opened a corporation under my name in which I did not give consent. The accounts opened were : XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX ( loan & credit card ), XXXX XXXX ( loan & credit card ), XXXX XXXX, XXXX XXXX, XXXX, and I don't know if there are other accounts opened under my name. I have checked my credit report and has dropped significantly to 500s because of the delinquent accounts. I have several hard inquiries in which I did not give consent or had no knowledge. My husband, my son, and other family members are victims of XXXX XXXX identity theft and fraud. I do not speak English, only XXXX. My son is assisting me with translation.
Consumer complaint received 2023-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : 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
Consumer complaint received 2023-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name 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 2023-07-27
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. (PA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-26
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)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-01-09
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Specialized Loan Servicing Holdings LLC (NC)

On XX/XX/XXXX, I received a letter from Specialized Loan Servicing LLC ( SLS ) confirming that " lender-placed insurance '' is not being renewed due to my negligence of not securing insurance coverage on my property. Please review attachment of the letter from SLS. In response to the letter from SLS, I never authorized SLS to place insurance on my property. Since XXXX, I have been trying to secure my own coverage and when I attempted to place insurance on my property, SLS refused to remove their lender forced policy coverage. As confirmation, SLS currently have a Class Action Lawsuit pending ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MN XXXX ) for their lender placed insurance.I confirm that I am a claimant in the Class action against SLS. Based on the attachment letter from SLS, SLS & XXXX XXXX  was never my mortgagee, because I never executed documents with SLS, SLS never established a chain of title or custody from the original lender, and XXXX XXXX  confirmed that they do not have any affiliation with SLS in anyway as well per XXXX ( SLS ID # XXXX Dated : XX/XX/XXXX | Time:XXXX | stated " SLS has no information referencing the original lender nor payment history. However the " loan '' came from XXXX XXXX XXXX XXXX '' who confirm the same ( no chain of title or payment history from its originator XXXX XXXX XXXX ).
Consumer complaint received 2023-07-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CarMax, Inc. (CA)

CarMax Auto Attn : Customer Relations XXXX XXXX XXXX XXXX, GA XXXX Subject : Victim of Identity Theft - Unauthorized Auto Loan Application Dear Sir/Madam, I am writing this letter to bring to your attention a case of identity theft that has recently occurred and involves CarMax Auto. It has come to my attention that an individual has fraudulently attempted to open an automotive loan under my name without my knowledge or consent. This incident serves as a distressing reminder that such occurrences are not uncommon, as I have experienced similar fraudulent activities in the past. 

I want to express my disappointment and serious concern about the gross negligence that has allowed this fraudulent activity to take place. It is essential for CarMax Auto to prioritize the protection of its customers ' personal information and financial well-being. As a reputable automotive company, I would expect CarMax Auto to implement stringent security measures to ensure the prevention of identity theft-related issues and unauthorized loan applications. 

Under the Fair Credit Reporting Act ( FCRA ) and the Identity Theft and Assumption Deterrence Act ( XXXX ), I have the legal right to be protected from fraudulent activities and to have inaccurately reported information promptly corrected. I kindly request that CarMax Auto takes immediate steps to rectify this situation by : 1. Conducting an investigation into the fraudulent auto loan application that has been made in my name ; 2. Removing the unauthorized loan application from my credit report, preventing any negative impact on my creditworthiness ; and 3. Strengthening security protocols and procedures to safeguard customers ' personal information and prevent identity theft in the future.

I believe that CarMax Auto recognizes the seriousness of identity theft and its implications. I have already taken proactive steps to report this incident to the Federal Trade Commission ( FTC ), and I intend to cooperate fully in their investigation.

I urge you to rectify this situation without any further delay, as the damage caused by identity theft can be extensive and long-lasting. I trust that CarMax Auto will handle this matter promptly and responsibly, demonstrating its commitment to protecting its customers ' financial interests.

Should you require any additional information or documentation from me to facilitate the resolution of this matter, please do not hesitate to contact me at the phone number or email address provided above. 

I will eagerly await your prompt response and the actions taken to rectify this unfortunate situation. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-26
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. (OH)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-26
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)

Looking at my credit report I saw late payments on an account that Ive always paid on time. Credit reports are the focal points in todays society and without it the world is doomed, this missed payment is not accurate and I kindly ask for you update this account and remove these late payments from my credit report on the account listed below. 
XXXX XXXX XXXX  opened on XXXX XXXX XXXX account number ( XXXX ) ( b ) Accuracy of report 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. 


Please provide documentation proving that I was ever late paying on this account if you arent able to provide proof I ask and demand the accounts to be updated with true status of showing on time payments. Ive always paid my accounts on time without delay. Thanks
Consumer complaint received 2023-07-25
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. (FL)

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. 

XXXXXXXX XXXX Unsecured Loan with account # XXXX opened on XX/XX/2019 and a balance of {$0.00}. 

The late payment should not be on my credit report I was never late and the account is paid in full and closed please correct asap.
Consumer complaint received 2023-07-27
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. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2019-01-09
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TX)

On XX/XX/2018 I received an email from my employer stating at letter that was received by their office on XX/XX/2018 claiming it was a second attempt to initiate a garnishment of my wages and if not done would sue the XXXX that I was employed by, after speaking with my HR department no first attempt was received by their office and they were garnishing 15 % of my disposable income each paycheck to avoid being sued, when I contacted XXXX XXXX and the number on the form they first tried to pass it off on someone else and then after 2 hours being transferred to 3 different people all of this while I was at my place of employment there was nothing to be done, except loose 5 payments to come out every other week of 15 % with them  then submitting a signed document which I have still to this day not received have called with no answer to how to have this corrected, I am a single mom that depends completely on my income as well as XXXX children who depend on this income, one of  which is on long term medication and has multiple medical conditions that can cost me a lot of money. I am willing to pay but would like to be discussed and a plan set up not threaten my employer and send a notification like the one they sent that has no balance of owed amount of any alternative to pay, my HR person stated this letter looked very different from others that their office had received for other employees. My concern is when I try to track this said information about my loans and where they are housed to set up arrangements nothing is to be found at the XXXXXXXX XXXX XXXX or NAVIENT! Please I need help in getting this taken care of immediately
Consumer complaint received 2023-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

On XX/XX/XXXX I entered into a group buy for a set of mechanical keyboard keycaps produced by XXXX in XXXX. XXXXXXXX XXXX XXXX were the vendor for this group buy and took payments on behalf of all XXXX buyers. The expected manufacture date due to covid was approximately 8 to 10 months from purchase. It has become apparent that at the same time XXXXXXXX XXXX XXXX unbeknownst to anyone else, was running their business as a Ponzi scheme. They were using funds from group buys meant to pay the manufacturer for the ordered goods on other projects. They have since deleted their website, closed their discord, stopped replying to emails, and have essentially vanished with the funds. I have tried to file a disput with my bank Bank of America but have been told repeatedly that it is outside of their dispute window, which is an appalling short 78 days. As the manufactured date for this purchase, and so many others in general especially with supply chain issues, is so far from the purchase date by the nature of a group buy it would mean that it was essentially impossible to ever request a refund or dispute these charges from the very beginning. Bank of America is refusing to initiate a dispute on my behalf for goods that were paid for but never received. Since I never agreed to any delays I am entitled to a full refund pursuant to https : //www.ftc.gov/business-guidance/resources/business-guide-ftcs-mail-internet-or-telephone-order-merchandise-rule. I would suggest looking here XXXX XXXX XXXX for more information on XXXXXXXX XXXX XXXX and their ongoing issues.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.