davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 2023-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (CA)

There are 3 accounts that are fraudulent I filled an ftc report and are still reflecting on my credit report. Discover bank. XXXX. And loan me. Also 2 late payments. I was never late for those accounts. XXXX. XXXX
Consumer complaint received 2024-08-13
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. (FL)

" I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/year> and XX/XX/year>, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim.

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record!

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done "
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

Disputes sent in XXXX, again in XXXX and XXXX. XXXX Credit Reporting Agency failed to provide evidence to support there standing that the inquiries were " factual ". Per Fair Credit Reporting Act credit reporting agency must eliminate any associated information as they did not provide validation evidence by required time.

Credit Information is still inaccurate despite advising of unauthorized inquiries, inaccurate personal information listed and despite account history were updated to reflect no missed payments bureau failed to update account status to pays account as agreed per 15 USC 1666B ( A ) where consumer 's paying history is private and needs written consent from my end to report for XXXX XXXX XXXX
Consumer complaint received 2023-03-10
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: GOLDMAN SACHS BANK USA (FL)

Hello My name is XXXX XXXX XXXX, I am a victim of Identity Theft, I was part of the XXXX XXXX, My name, social, drivers license, emails, phone and 1 bank account was breached.

I went to the Sheriffs Office and filed a report with a Detective. I will attach everything to this email. The XXXX Fraud Specialist has confirmed with me the breach and has deleted the fraudulent accounts. XXXX and XXXX XXXX are battling for me against XXXX and XXXXGreensky XXXX Both companies come back as " verified '' even though I have proof I was a victim of identity fraud. 

These 3 accounts with XXXX listed below and 2 accounts with XXXX XXXX listed below are hurting myself ad my family to obtain credit and is causing a great hardship. 

These 2 accounts need to be deleted and stop being reported to XXXX XXXX : XXXX/Greensky Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

These three accounts are being reported too Experian. 

XXXX XXXX XXXXcount # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

XXXXGreensky Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

Thank You XXXX XXXX XXXX
Consumer complaint received 2024-08-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SECURITY SERVICE FEDERAL CREDIT UNION (TX)

For XX/XX/year>, the mortgage payment was missed though the founds were available for the payment. 

Security Service Federal Credit Union did not communicate with me by email, phone number or electronic portal message. They have my information on file, which is correct. 

I am concerned there are no safeguards to inform customer their payment was not received or is late. 

I do not have any missed calls from security service. I called to report the problem but they can not do more. They show call attempts were made and messages sent, however, their third party electronic system they use did not communicate with me. 

I found out of the late payment because of XXXX XXXX reporting informing me of missed payment.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Equifax XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir or Madam : I am a victim of identity theft. The item listed below, which appears on my credit report, does not relate to any transaction ( s ) I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnishers ) of that information.

I appreciate your prompt attention to this matter and await your reply. 

Sincerely, XXXX XXXX XXXX Enclosures : Identity Theft Report Proof of identity : Copy of Driver 's License & Utility Bill Copy of Credit Report Fair Credit Reporting Act Section 605B [ XXXX XXXX
Consumer complaint received 2017-08-16
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)

XXXX credit reporting is showing 2 collections on the reports for my account.
Experian is showing 1 same issue. I have called and questioned them and was told they could not resolve my issue as they have no opening dates on either account. XXXX is showing 0 collection accounts. Why would XXXX be showing 2?. I know the Federal Fair Reporting sact requires a credit to remove an item if they can not show an opening date. I hope you can intercede on my beghalf to make sure they report the correct information one of the agencies is called XXXX XXXX XXXX and the other is XXXX XXXX. Both of yhese item were paid and were supposed to be taken off my report at time of payment. But as usual each collection agency lied and left them up to be reported.
Consumer complaint received 2018-09-15
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. (CA)

A REPORT FROM EXPERIAN XXXX FROM XX/XX/2018. EXPERIAN DOES NOT HAVE MY CONSENT AUTHORIZATION AND THIS SERVES AS A CEASE AND DESIST TO HOLD, GATHER, ANALYZE, PACKAGE SELL OR OTHERWISE CREATE COMMERCE WITH MY PERSONAL INFORMATION OR CREDIT INFORMATION. EXPERIAN SHOWS A LACK OF SAFETY WITH OTHER DATA BREACHES AND NO REMEDIATION FOR CONSUMERS.SELLING MY INFORMATION TO ANYONE IS ILLEGAL YOU ARE VIOLATING MY PRIVACY, THE RIGHT TO EQUAL PROTECTION AND THE RIGHT TO SELF DEFENSE. ALL SOFT INQUIRIES ARE TO BE REMOVE ASAP, OR I WILL PROSECUTE THE ISSUE MYSELF.
Consumer complaint received 2018-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (CA)

XXXX XXXX VISA CREDIT CARD FROM CHASE, XXXX XXXX ACCOUNT WITH XXXX ONLINE SERVICES AND PERSONAL CHECKING ACCOUNT FROM XXXX XXXX WER ALL LINKED. A XXXX PAYMENT EITHER NOT RECEIVED OR PROCESSED BY CHASE CAUSED A 30 DAY XX/XX/2018 NEGATIVE REPORTING FROM CHASE TO CRA 'S. I FOUND OUT ABOUT THIS ISSUE ON XX/XX/2018, I WAS NOT CONTACTED ABOUT NEGATIVE CREDIT REPORTING VIA NOTIFICATION BY CHASE. 
THE 30 DAY ADVERSE ACTION CAUSED A CREDIT REDUCTION, FEES, ADDED FINANCE CHARGES, A REDUCTION IN CREDIT AVAILABILITY TO A DECLINE FOR CREDIT A CREDIT RATING IMPACT. I CONTACTED CHASE ABOUT XX/XX/208 AND WAS TOLD THEY COULD NOT DO ANYTHING, THEY DID NOT OFFER A ONE TIME GRACE PERIOD OR ANOTHER REMEDIATION.THIS IS THE SECOND CHASE PRODUCT THAT SUFFERS FROM BILLING ISSUES, REPORTING ISSUES AND NOTIFICATION ISSUES FACTA, FCRA, CONSUMER PROTECTION LAW, IT IS WITHIN THE PENUMBRA OF THE ESTABLISHED CONCEPT OF UNFAIRNESS. I REMIND CHASE OF THE CFPB CONSENT ORDERS AGREED TO BY CHASE, FILE NO XXXX- CFPB- XXXX AND FILE NO XXXX- CFPB- XXXX
Consumer complaint received 2023-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2023, my husband deposited 2 large checks that were a result of a lawsuit to our joint bank account. PRIOR TO DEPOSITING these 2 checks, we contacted Chase via phone to inquire whether these two checks -- that had multiple payees -- could be deposited into our account without ANY ISSUES. 

We were informed on THREE separate occasions that it WOULD NOT be an issue. The checks could be deposited and would be placed on hold until all funds were released. My husband even took a copy of the check to the bank/branch and spoke with XXXX XXXX XXXX who assured him that as long as we were the last persons to sign the check that it would not be an issue. 

Unfortunately, the information provided by THREE different people who work at Chase was INCORRECT. 

CHASE has NOW PLACED A HOLD on our account which include not only the amount of the checks but the money that we already had in our account. 

WE ARE UNABLE TO ACCESS ANY OF OUR FUNDS! 

In addition, Chase has also ROPED IN my children 's accounts THAT HAVE NOTHING TO DO WITH THIS SITUATION and have placed a hold on their accounts as well, simply because they're linked to an account that I hold THAT HAS NOTHING TO DO WITH THE ACCOUNT the checks were deposited into. 

Chase NEVER reached out to us to inform us that there was an issue with our account. We found out because we were unable to process a XXXX payment and could not pay our bills. 

We contacted Chase via phone only to be patched to the Fraud Department where we were informed by XXXX XXXX that if we failed to provide the requested information that they would close our account in 10 days. So instead of trying to fix the problem, SHE THREATENED to close our account all the while holding OUR MONEY HOSTAGE. 

We immediately went back to the branch and spoke with XXXX XXXX XXXX who attempted to get additional information but was basically given the same info we were given. He could not help us nor could he provide us access to our money. He informed us that he could escalate the issue -- and that's basically it. 

WE HAVE BEEN LEFT WITH NO MONEY and OUR KIDS MONIES HAVE BEEN RESTRICTED AS WELL. 

Chase FAILED to provide us with ACCURATE information robbing us of making an informed decision -- because had we known that our account would be restricted we would NOT have deposited the checks. 

The checks are from a legitimate lawsuit and the payees are family members who were all part of the lawsuit.
Consumer complaint received 2018-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: EQUIFAX, INC. (NY)

Equifax has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-09-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc. (GA)

XXXX XXXX XXXX is charged me for a television service that they falsely advertised and did not hold up their end of the bargain. I was signed up for all three services with them telephone, television, and internet. With this bundle package they were suppose to issue me a gift card for the first month of service and signing up with them for {$150.00}. I co reacted them on numerous occasions about the gift card to cover my first month of services and they never issued or acknowledged my complaints or concerns. I canceled the contract and they charged me and attached it to my credit report. I didnt have the service all of 2 months. I also paid the amount they were requesting to have the mark removed from my credit report and its still there almost 5 years later. My contract was canceled because I felt they lied to me and mislead me to order their services and didnt follow through with their obligations.
Consumer complaint received 2018-09-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CarMax, Inc. (GA)

The car was a XXXX XXXX XXXX. All of these vehicles had recalls on them and transmission problems. I was overcharged for the vehicle with an extended warranty that was {$1700.00} odd dollars. The warranty never addressed my issues with the transmission or my concerns with the car they only replaced my battery once and I paid out of pocket for it. When asking to trade the car in for a newer vehicle they advised they would reimburse the warranty because I never used it. Fast forward and lost my job and the car was repossessed in XX/XX/XXXX. The car was sold at an auction for {$1600.00} and they are now telling me that the balance owed plus taxes, fees, and interest is {$5700.00}. My credit report shows {$3600.00} owed on the car and everytime I call and speak with them they wont help. They only reimbursed {$200.00} odd dollars for the extended warranty that was purchased and not used when they agreed to reimburse the entire {$1700.00} odd dollars. They also never sent me an intent to sale the car at an auction or the sale itself. I had to call them to find out the car was sold for {$1600.00} at an auction and they are still trying to overcharge me or stick me with a balance of {$5700.00} on their records and {$3600.00} on my credit report. Please help me get this resolved or removed because it is negatively affecting me and they dont care to help.
Consumer complaint received 2018-09-10
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. (TX)

I have submitted multiple letters to TransUnion requesting validation of the accounts in question ( XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX ).  Both notices were mailed certified and were received ( XX/XX/XXXX and XX/XX/XXXX ) I have received zero documentation from TransUnion providing the proper validation of the debt.
Consumer complaint received 2018-09-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have a savings account at Bank of America in XXXX NY on XXXX  XXXX XXXX. I went there today and was in a rush and wasnt really thinking. I asked to withdrawal {$600.00} the teller said okay and then hands me the slip and the money ( without counting it in front of me ) and I go to my car. When I get in my car I count the money and realize she only gave me {$400.00}. I go back into the bank and tell the teller she only gave me {$400.00}. She said I gave you {$400.00}, you asked for {$400.00} and was very dismissive without even opening my account again. I assumed she was right and could not find my banking slip. This all happened around XXXX XXXX. At XXXX XXXX, after the bank is already closed I found the slip on the ground in my car and it says there was {$600.00} taken out of my account. I tried calling the 24 hr customer service number and they told me I received {$600.00} from a cashed check. And that there was a hold on the check. I didnt cash any checks. Ive never cashed a check at this bank. The supervisor refused to give me the tellers name said it was not on the transaction, and told me I had to go back to file a complaint. No one called me saying the drawer was over {$200.00} and no one called me about a check missing at the end of the day. I am short {$200.00} and am a XXXX XXXX struggling to pay for school and my rent. I just want my {$200.00} and to close this account, I would never trust my money in the hands of this bank ever again. I would 100 % recognize this teller.
Consumer complaint received 2018-09-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

Equifax reply meet FCRA requirement as and explanation under the FCRA consumer reporting agencies are required to provide consumers with information in own file upon request.to make a statement along meet FCRA requirement dose not necessarily mean the FCRA laws are being followed meet FCRA requirement is intended only as a general commentary any debt collect can report anything to Equifax File.as a consumer I should be able to see start balance -- -- - unpaid balance and reason for the balance with my signature on it I ask only that the information be made available to FCRA are to me as the consumer if Equifax is unable to provide the information they should not continue to report false information into one file account credit collection service.
Consumer complaint received 2023-02-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ). 

I received my investigation and notice there were still some discrepancy. The consumer reporting agencies which is equifax, XXXX, and XXXX  did not modify or correct everything. 

Last Verified doesn't match on all three credit reports, Date of Last Activity doesn't match on all three credit reports, Date Reported doesn't match on all three credit reports, Date Opened doesn't match on all three credit reports, Closed Date doesn't match on all three credit reports, Dispute Status Is Incorrect, Last Payment doesn't match on all three credit reports Which is a violation. This Is Impacting me from moving forward in my credit journey and get additional funding for my business. 

Ive attached my most recent credit report to show how equifax, XXXX, and XXXX violated my rights.