davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-27
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: EQUIFAX, INC. (GA)

Equifax is obligated by the FCRA to report accurate accounting. Consumer had advised all the inquiries and said derogatory reported was fraud. said company had 4 days according to the LAW to remove such items. FTC Fraud report was filed on behalf of consumer, consumer is requesting Equifax to provide the documentation used to determine inquiry was indeed authorized by the consumer Equifax has 15 days to provide me with name of the person spoken to, documentation used, signed application with consumer wet ink signature. I am not asking for a E-oscar report. If Equifax does not have documentation to show these were in fact authorized it must be removed asap. Said company is liable under the SEC to follow certain rules. Equifax commission file number XXXX .XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, New York XXXX. 
Equifax is securitizing consumer data yet refuse to provide consumer a copy of their Consumer FILE not Consumer Report. 

XXXX  - XX/XX/2021 Equifax XXXX XXXX XX/XX/2021 Equifax XXXX XXXX XX/XX/2021 Equifax XXXX XXXX XX/XX/2021 Equifax XXXX XXXX XX/XX/2021 Equifax ) XXXX - XX/XX/2021 Equifax XXXX XXXX XXXX - XX/XX/2021 Equifax XXXX XXXX XX/XX/2021 Equifax XXXX XXXX XXXX XX/XX/2021 Equifax XXXX Equifax Account # : XXXX XXXX Account # : XXXX Equifax
Consumer complaint received 2023-07-12
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC. (MS)

My name is XXXX XXXX and I am a consumer/ natural man submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately.
Consumer complaint received 2023-06-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-07-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (TX)

My name is XXXX XXXX. This is regarding to my loan with XXXX under NewRez. They filled a duplicate lien on my deed. I only have XXXX loan but there were XXXX liens filled. It was filled by XXXX. They filed the same Deed of Trust on my loan twice within XXXX hour and XXXX minutes of each other on XX/XX/XXXX. I contacted them on Thursday XX/XX/XXXX and ONCE OR TWICE A WEEK AFTER THAT regarding to the need to have a release prepared and recorded and sent to me. 

On XX/XX/XXXX, they refused to do it because I have not paid off my loan yet. HOWEVER, there was a duplicate that needs to be released so it should not be the reason. The back office team was very irresponsible. They did not even investigate well on the DUPLICATED lien filed on my deed. I had to talk to another representative AGAIN to submit another request. 

This is very frustrating because I need that " false '' 2nd lien on my deed to be released so I can move forward with my home equity loan. Their mistake is preventing me from getting my equity loan to buy another property. If I did not find out, this thing will stick on my record for a longer time. They did not work on it seriously to correct their mistake.
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: EQUIFAX, INC. (IN)

Under the FCRA. The three major reporting companies failed to provide proof of their investigation ( 15 U.S. Code 1681i ( 5 ) ( A ) ( i ) ( ii ), failed to accurately verify that the NEGATIVE Information reported belonged to me and failed to keep correspondence with the address provided.

Since no information was accurately verified, I demand that all NEGATIVE accounts permanently be removed from my report that is hurting me financially. Im prepared to pursue legal action for damages No consent ( permissible purpose ) on my behalf was never given to report anything to my consumer report List of negative items that was unverified in the supporting documents
Consumer complaint received 2023-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (DC)

I opened a personal checking account with Chase Bank earlier in XX/XX/2023 because I wanted a bank readily physically accessible to me. I have always bank with XXXX XXXX. I did a remote check deposit from my XXXX personal checking account in the amount of {$12000.00} into my new Chase personal checking account on XX/XX/2023. The debit transaction posted into my XXXX checking account on XX/XX/2023. I was expecting my credit to be posted into my Chase checking account within 2-3 business days, as is the case with every other banks I have transacted with. 

Chase bank has a policy to always place customer 's deposits " on hold '' for seven business days. That meant for the entire seven days period, customer will have no access to their funds. I had expected the funds to be available in my Chase checking account for my use within 3 business days. The Fund was held " hostage '' by Chase. Wherefore, I had no access to my own money. I called Chase bank to find out why they withheld my deposit because I needed my money for critical transactions. I was informed that Chase bank has a " Policy '' to always place customers ' deposit " on hold '' for seven days. And there is nothing they can do about that. 

I find this " policy '' to be reprehensible and an unwholesome banking practice. The Check of {$12000.00} had been debited to my XXXX checking account since XX/XX/2023 but Chase bank has decided to " hold unto '' my funds until XX/XX/2023. This is ridiculous practice and I have never experienced any such practice or policy from any major bank in the United States. 

Chase bank has no valid reason to " hold on '' to my hard earned money for no reason and deny me access to critical transaction I wanted to carry out with my own funds. Even as I am making this complaint, Chase bank still " holds my fund hostage '' for no legitimate reason. I see these practice as an " Harrasment '' of customer. I did online customer reviews serach, and it turns out millions of customers have being complaining about this Chase 's practice in online chats and customer review websites. 

I hope this compliants makes it to the United States Congress and Chase bank is made to explain its practices to Congress.
Consumer complaint received 2023-07-27
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: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting Act, the listed accounts have violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681. 

These accounts are not mine nor did I authorize them. I have reach out via certified mail over 30 days ago to the three-credit reporting agency ; XXXX, Equifax, XXXX to investigate these inaccuracies but they still remain without the proper investigation or validation of these debts. 

These accounts have violated my rights : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # XXXX, XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account XXXX XXXX, XXXX XXXX XXXX  XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX Account XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX Account # : XXXX, XXXX XXXX XXXX  Account # : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX Account # : XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) Account # : XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX XXXX XXXX Account # : XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A, states that a consumer reporting agency can not furnish an account without my written consent or 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 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.

I have attached a credit report with these terrible mistakes by the credit reporting agencies.to support my claims
Consumer complaint received 2024-08-25
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 am a known victim of identity theft. I have been dealing with this since late last year. I have followed all of the instructions for what to do in this situation but the credit bureaus are not really doing anything to help me and they are violating federal law.. I did get a response from your office but have not heard anything since then. I have sent my information to the credit bureaus and there are 2 cards that were not opened by me. The accounts. Obviously, the account is in my name. IT IS IDENTITY THEFT!!!!! I am not disputing it and saying it is inaccurate, I am saying someone got my information and opened the account by pretending to be me. I do not understand what it is they can not wrap their head around,. Please help me. This is ruining my whole life. I need assistance.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon recently checking my credit report I noticed multiple accounts reporting on my profile that I did not authorize or verify. Section 609 of the FCRA says that before derogatory accounts are placed on your credit a signed letter of verification must be on file. I demand to see said letter of by law these accounts must be removed from my credit within 30 days of the date of this letter. These fraudulent accounts are negatively impacting my credit and my livelihood and I need your immediate assistance with resolving the matter.
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. (PA)

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 2023-08-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My problem with Bank of America. 
They keep charging me over draft. And I see alot of charging from my account for no reasonable authorization from my side. And I was trying to contact with the customer service for this Bank but it was so hard and I stressed out
Consumer complaint received 2023-08-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I sent a dispute letter to TransUnion on XX/XX/2023 and they did not respond per the FCRA 611 and refused to investigate. here is my failure to respond letter or do something about it
Consumer complaint received 2022-11-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (MD)

The companies involved are XXXX XXXX and Radius Global Solutions. 

I received an invoice dated XX/XX/2022, from XXXX for {$50.00}. I used my banks online bill payment feature to send a check dated XX/XX/2022. The cancelled check shows that XXXX marked it for Deposit Only and deposited it on XX/XX/2022, at which point it showed as cleared with my bank. XXXX billed me again on XX/XX/XXXX, which arrived around XX/XX/XXXX. I just made a note to myself that I had already paid this and it was cleared. XXXX billed me a third time XX/XX/2022, saying that it was the final notice before they turned it over to a bill collector. I sent a copy of the invoice back to them with a note saying that I had already paid it, and with a copy of the payment that my bank had sent. I did not hear anything else until today, so I assumed that XXXX had gotten its act together. I say that because the previous time Quest billed me, late last year, I also had to write them repeatedly proving that I had already paid. 

A few weeks ago, I started getting multiple calls a day from a Radius Global Solutions, never leaving a message. Since they were a debt collector, and I owe no debts and had nothing in writing about a debt, I did not take their calls. ( I would never respond to a caller claiming to be collecting debt. ). Today I received a bill from Radius Global, saying that XXXX had turned the bill over to them. I will be sending XXXX and Radius Global copies of all the relevant documentation, including a copy of the cancelled check, along with notice that I have filed this complaint. This is no way for either company to run a business. 

I am opting not to attach the documents here because of the personal information contained in them. Note that Radius Global claims that my account number with XXXX is a different number than what appears on my XXXX bills.
Consumer complaint received 2023-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX XXXX XXXX XXXX  : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-30
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: EQUIFAX, INC. (MD)

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 2023-07-27
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: TRUIST FINANCIAL CORPORATION (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

My credit will not be penalized for the late payments caused by Truist Bank 's failure to calculate all the fees. This was a mistake on the company 's part, not mine. The reported late payment amount of {$66.00} was a result of their negligence. I contacted Truist and authorized the automatic deduction of that amount due from my account. However, they failed to include it in the total due, leading to my late payment being reported. I was unaware of this fee.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KS)

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 in ( MONTHS REPORTING LATE ) 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. 


XXXX EXPERIAN XXXX 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 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

I am writing and sending this complaint with absolute certainty and extreme frustration, there are a lot of errors on my credit report that I just can not ignore anymore as this has been negatively impacting my life and credit score making me unable to achieve financial freedom and stability.
Consumer complaint received 2020-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (VA)

I applied for American Express XXXX Amex XXXX Credit Card product during the first week of XXXX. Upon receiving online approval, I noticed two discrepancies with my expectations : 1. A promotional 0 % APR and zero fee balance transfer offer were not present in the cardholder agreement mailed to me. I saw *zero* indication of this throughout the online process. If I had seen that this would be the case, I would not have applied. It may have been buried somewhere, but it was very much a bait and switch with the promotional offer. 
2. I also noted that the credit limit was quite low compared to other cards. The setting of the credit limit is, of course, the company 's prerogative. But, I was given zero insight into what that would be before I was deemed to have automatically accepted the agreement. Given this was one of the principal deciding factors on applying for a card, I no longer have a use for this card given the credit limit provided. 

I have contacted American Express twice over these issues. They have told me that they can do nothing. They note that they have a record of the disclosure they received, but they will not furnish that to me either. Given I am in the process of applying for mortgages, my credit score will be damaged by the hard credit pull that American Express erroneously made given that I submitted my application under false and incomplete information.