davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-10
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: EQUIFAX, INC. (FL)

This is in regards to the credit report I pulled on XX/XX/XXXX, I see at least 2 credit inquiries on my credit report from you. Section 604 states that you need to provide the application that was filled out when this account was opened, the only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, none of which apply to this situation. Remove immediately. There are several dates of inquiries on my credit reports, Instruct the credit bureaus to remove these inquiries immediately! 

XXXX XXXX/XXXX  equifax XX/XX/XXXX XXXX XXXX equifax XXXX XXXX XXXX XXXX  equifax XXXX XXXX XXXX XXXX  equifax XXXX XXXX XXXX equifax XXXX XXXX XXXX equifax XXXX XXXX  XXXX  equifax XX/XX/XXXX XXXX XXXX  equifax XX/XX/XXXX XXXX XXXX equifax XX/XX/XXXX XXXX  XXXX XXXX equifax XX/XX/XXXX XXXX equifax XX/XX/XXXX XXXX XXXX XXXX  equifax XX/XX/XXXX XXXX XXXX equifax XX/XX/XXXX XXXX XXXX XXXX  equifax XX/XX/XXXX XXXX XXXX equifax XX/XX/XXXX XXXX  XXXX only equifax XX/XX/XXXX XXXX XXXX XXXX  XXXX equifax XX/XX/XXXX XXXX XXXX equifax XX/XX/XXXX XXXX  XXXX XXXX equifax XX/XX/XXXX XXXX XXXX XXXX equifax XX/XX/XXXX XXXX XXXX XXXX equifax XX/XX/XXXX XXXX XXXX XXXX equifax XX/XX/XXXX XXXX/ XXXX XXXX XXXX equifax XX/XX/XXXX XXXX XXXX XXXX XXXX equifax XX/XX/XXXX XXXX XXXX equifax XX/XX/XXXX XXXX XXXX equifax XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX equifax XX/XX/XXXX XXXX XXXX equifax XX/XX/XXXX XXXX XXXX XXXX XXXX   equifax XX/XX/XXXX XXXX XXXX equifax XX/XX/XXXX XXXX XXXX   XXXX equifax XX/XX/XXXX XXXX XXXX XXXX equifax XX/XX/XXXX XXXX XXXX  equifax XX/XX/XXXX XXXX XXXX equifax XX/XX/XXXX XXXX equifax XX/XX/XXXX XXXX XXXX XXXX  equifax XX/XX/XXXX XXXX XXXX XXXX equifax XX/XX/XXXX XXXX XXXX XXXX equifax XX/XX/XXXX XXXX XXXX equifax XX/XX/XXXX XXXX XXXX equifax XX/XX/XXXX XXXX   XXXX XXXX  equifax XX/XX/XXXX XXXX XXXX XXXX equifax XX/XX/XXXX XXXX XXXX XXXX XXXX equifax XX/XX/XXXX XXXX XXXX   equifax XX/XX/XXXX XXXX XXXX XXXX  XXXX equifax XX/XX/XXXX XXXX XXXX XXXX equifax XX/XX/XXXX
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by XXXX parties, and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make these unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly, they violated my rights.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (AL)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Victim of Equifax Data Breech - Engagement Number XXXX Equifax states that their records of my personal information was impacted by this incident. A review of my Equifax credit report shows that my personal information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports : XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX ) XXXX. XXXX ( XXXX XXXXXXXX ) XXXX. XXXX XXXX  ( XXXX XXXX ) XXXX XXXX XXXX XXXX  ( XXXX XXXX ) XXXX. XXXX XXXX XXXX ( XXXX XXXX ) XXXX. XXXX 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 XXXX ) XXXX. XXXX  XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (KY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2024-09-18
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. (MI)

I am writing to formally resubmit the complaint to EXPERIAN regarding inaccuracies in the reported data on my credit file and you are not taking action of removing them in my credit reports. The information in question is not verifiably compliant, proven valid, or fully documented as true and physically verified. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MI XXXX. My date of birth is XXXX and the associated FTC report number for this complaint is XXXX. I have identified potentially false and unverified inquiries and accounts on my credit file that lack proper authorization from me. As a consumer, I am well within my federal and state consumer and civil rights to insist on the prompt removal of these items. I am initiating this consumer complaint and compliance check to address specific items being reported under FACTA Title 1 sec. 151, which unequivocally requires a thorough examination of the process. This serves as a formal dispute of information and reporting.
Consumer complaint received 2024-10-07
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: EQUIFAX, INC. (CA)

I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$42000.00} XXXX XXXX XXXX Balance : {$0.00}-
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willing for Miss statement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE
Consumer complaint received 2016-12-09
Product: Money transfers — International money transfer
Issue: Wrong amount charged or received — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NY)

This is an issue with MoneyGram online service. 
I made a transfer of money to XXXX from USA, {$50.00}. Moneygram webpage informed me of a fee {$4.00}. if I use my credit card. 
When I received my bill from credit card, there was an additional fee of {$10.00}. 
When I called the bank they told me that MoneyGram coded the transaction as cash advance, and as such there should be a fee of {$10.00}. When I called MoneyGram, they read me a disclosure of a recent change in agreement between MoneyGram and Credit cards Association stating that the transactions between them will be charged as cash advance not as credit card transactions. Nowhere on their website there was a mentioning of that. I believe it is a breach of law. Because each ATM has a legal disclosure of a fee when I used my credit card as a a cash advance. MoneyGram must inform a customer of the fact that a credit card transaction will be billed as a cash advance with an additional fee. When I called the MoneyGram escalation department, they refused to acknowledge the situation
Consumer complaint received 2016-04-20
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (NJ)

My wife and I refinanced our existing loan with XXXX XXXX, XXXX in 2006 to purchase our future home. We supposed to get an adjustable rate mortgage and as such we signed countless papers. After having this loan for a few months we noticed that the amount we owed would n't go down and after numerous phone calls we realized that it was not only adjustable rate but interest only also. Many times we tried to refinance again, ( it was bought by Chase in a few months ), but we did not qualify. After 5 years we were able to refinance the loan and now after paying over {$130000.00} in interest, our mortgage was {$6000.00} more than we started with 5 years ago ( $ XXXX {$6000.00} ). Just now after a friend of ours had a similar case we started working with a lawyer who asked us to get the documents from the XXXX XXXX recording office. All the papers we signed emphasizes that it was interest only and one page where we did not sign on the bottom : Interest only addendum to adjustable rate rider. We did not even have this page in our file and there is our signature on a different page. WE WOULD HAVE NEVER AGRED TO SUCH TERRIBLE LOAN.
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willing for Miss statement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE
Consumer complaint received 2023-10-29
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. (NV)

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. 
I Told the Experian and XXXX to reinvestigate these accounts ; XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has Violated my rights. 

15 USC 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 consumerreport 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 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediatelXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-11-01
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (CA)

I had received a bill on a credit card in the mail only after it was delinquent, rather than prior to its delinquent status. The delinquent bill had late fee charges and interest. This is the second time this particular company has engaged in this practice. Upon calling their service center, they removed the late fee charges ( but not interest, which is minor to me ). I would like to register this in case this is a widespread practice. The company is XXXX ( Amazon credit card ). I think the bank is Chase.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with Experian was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2023-10-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: VYSTAR CREDIT UNION (FL)

In the year 2019, my Vystar checking & saving account was involuntarily closed & I have not been able to open a new account with Vystar or any other Credit Union since. I have also had trouble opening bank accounts with non-credit union banks. Vystar closed my account due to I received a check in the mail for an item that my husband was selling online, I believe it was a riding lawnmower if I'm not mistaken. We attempted to deposit the check through my apps mobile check feature. Vystar then made me aware that the check was fraudulent & told me that I should file a police report if we had already given the item being sold to the " buyer ''. But since we had not sent the item to the buyer yet, we did not feel it necessary to file a police report & assumed Vystar would handle anything to do with the fraudulent check. My bank account was then closed a few weeks later & when I contacted Vystar to find out why, they said due to the fraudulent check they closed my account since I didn't turn in a police report. I did not know that I was required to do this & I feel that my bank account being closed due to someone attempting to scam me is unfair. I have attempted to resolve this with Vystar multiple times but they always say there's nothing they can do.
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Weltman, Weinberg & Reis Co., L.P.A. (OH)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, has violated my rights. 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 an account without my written instructions. This organization has failed to provide a validation letter with a signed contract. A contract must be presented not an itemized bill. The company is not compliance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ) Many items on my credit report are listed inaccurate among the three credit bureau agencies. As a victim of identity theft I have reported several alerts to my credit bureau accounts.