davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-01
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. (TX)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-20
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. (VA)

In accordance with the fair credit Reporting act. The list of the account below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2017-02-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (UT)

I have found myself in a difficult situation since someone stole my identity. I feel I have exhausted all my efforts and need additional help. I have submitted to each of the credit bureaus a copy of both a police report, my identity theft affidavit, and a copy of my personal information i.e. my drivers license, copy of my passport, and my social security card. Additionally, I sent in a letter disputing the inaccurate information and got no response at all. It has now been over 30 days and I have yet to hear any response from them regarding the matter. I am now submitting a complaint to request additional help in rectifying the situation. I know the credit bureaus are each in violation of federal statute, and the only request I have is for the fraudulently reported information to be removed and blocked so that I am no longer affected by it. It has been interfering with me being able to get credit, gain additional employment, and hindering the quality of life I deserve to live.
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: EQUIFAX, INC. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX 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 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WA)

Presence of those unauthorized accounts and enquiries made me feel very anxious about my financial health. The credit report needs to be accurate because it tell the world of lenders what we have done with our money management. I, therefore, ask that an immediate investigation and removal of the following inaccuracies and unauthorized accounts/inquiries be done immediately.
Consumer complaint received 2023-08-01
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: ALLY FINANCIAL INC. (FL)

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 written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.
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: EQUIFAX, INC. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

I opened a business account with Chase on XX/XX/XXXX. 
I've received a payment ( {$57000.00} ) from my contractee on XX/XX/XXXX. 
However, my account was locked and subsequently closed on XX/XX/XXXX because they could not verify that the payment was intended for me. 
I found out that the payroll company processed the ACH payment under my nickname, instead of my legal name, I've been receiving monthly payments from the same company for the past year through my personal checking account and did not find out about this until the incident. I provided a letter from the HR department, XXXX XXXX statement, and payment history from the payroll company that shows my nickname as requested by Chase but Chase states that the only way the fund can be released is if I submit a government-issued ID that shows my nickname or if the payroll company requests a recall on the ACH payment. I explained that my nickname is an English name that I use and is not my legal name, and therefore I don't have a government-issued ID under my nickname. As far as recalling the fund, I was told by the payroll company that it can't be recalled once it's been settled. I checked the ACH reversal requirements online and it states that ACH reversal can not be processed if it's past the five banking day frame. 
Chase continues to state that there is no other way to release the fund, and there is nothing they can do.
Consumer complaint received 2017-02-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Lacy Katzen LLP (NY)

I filed for bankruptcy in XX/XX/XXXX because of legal debts my son incurred that I signed legal responsibility for. The attorney filed a summary judgment against my son for the debt. However I signed all contracts for responsibility of the payment. We received a judgment after notification of bankruptcy on XX/XX/XXXX. The attorneys fees were included in the bankruptcy filing. I contacted the collection agency and was told they are my sons bills. This is difficult to comprehend because the attorneys fees were again included in the bankruptcy. I need help with this collection agency trying to collect from XXXX parties when I signed all documents. I have a letter from the attorney dated XX/XX/XXXX that the bills are my responsibility.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

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 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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. 

Account Name : XXXX XXXX : Account # : XXXX Account Name XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX : Account # : XXXX Account Name : XXXX : Account # : XXXX Account Name : XXXX XXXX XXXX  : Account # : XXXX Account Name : XXXX : Account # : XXXX Account Name : XXXX : Account # : XXXX Account Name : XXXX : Account # : XXXX Account Name : XXXX : Account # : XXXX Account Name : XXXX : Account XXXX : XXXX Account Name : XXXX XXXX  : Account # : XXXX has violated my rights. Or list of inquiries 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 2023-11-09
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX for me, and I sincerely hope for a swift resolution.
Consumer complaint received 2017-04-05
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (FL)

During the middle of XX/XX/2017, I applied for the Brand Source Card at XXXX XXXX located in XXXX XXXX. I spoke with a customer service representative via phone to verify all of my personal information ( SS #, DL #, etc ) including my income. My information was verified via the Credit Bureau. I was approved immediately for a {$4000.00} credit line to be used solely at XXXX XXXX. Fast forward to two months later, and they are currently requesting my income tax return when my credit limit is not even high. I called their customer service department today and advised that their business is shady and they only approved me for the credit card in order to finalize the sale with XXXX XXXX. I advised the representative, who did not identify herself, and gave her my authorization to speak to my wife. She advised my wife, that they were notified by an outside source that my income had changed significantly and that is why they are requesting our income tax return. Since I experienced identity theft before, I do not feel comfortable sending my tax return information to this credit card company. I advised the representative to close my account. It is unfortunate that XXXX XXXX has lost our business. With all due respect, this is a store credit card. I have owned several credit cards through out my life and have never experienced this bizarre and unethical situation with a credit card company before. I researched Brand Source Store credit card issued by Citibank and there are several negative reviews posted by account holders which describe shady business practices.
Consumer complaint received 2023-11-09
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. (NC)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 0 2. It states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-11-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (GA)

I have called the multiple of times and they keep denying me. I have also asked to speak to the managers to resolve the issue. This happened XXXX months ago I don't know the exact date. I have been trying to work out a payment plan with the company. The new company is west lake portfolio. They are telling me. I still owe them the amount of money that I started with when I first bought the car. I have been paying on the car for almost XXXX years and I still owe XXXX XXXX dollars on the car. The car is now worth XXXX XXXX XXXX XXXX and XXXX XXXX dollars.
Consumer complaint received 2023-11-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Open Dealer Exchange, LLC (PA)

XXXX XXXXXXXX broke the law today as in 15 U.S. Code 1662 - Advertising of downpayments and installments U.S. Code prev | next No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount.

( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount.

Meaning they can not state that I have to put a downpayment on an automobile unless I usually and customarily arrange downpayments in this amount at this company. This is my first time ever contacting this company so that means they broke the rules.

I also inserted told them I wanted them to retract my application the guy told me I could not and hung up in my face. They were very rude to me today and they lied to me. I need the automobile for work purposes and now I cant get it is messing me up. They stated because of my credit score and I know thats not a factor at all because I dont customarily dont do downpayments with this company
Consumer complaint received 2023-10-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (FL)

I filed my PSLF in XXXX of XXXX. I called XXXX and Nelnet in XXXX of XXXX and was told that everything is in order but it evidently takes over a year to process. I have been XXXX  since XXXX and making my payment since then, but have stopped making my payment. Now Nelnet is still sending me a bill. Is this legal to approve PSLF then still expect payments a year later? Sounds to me like Nelnet is stealing. When I call XXXX they say just waiting on Nelnet.
Consumer complaint received 2023-11-09
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: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-09-15
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. (MI)

XXXX XXXX XXXX has submitted XXXX late payments on my loan account in error. We were denied us of our vehicle and service contract and the late payments were XXXX by there error on a breached contract. The late payments need to be deleted by XXXX XXXX or a lawsuit will be filed against the XXXX credit reporting agencies directly and they can fight it out with the bank in court amoungst yourselves. 

To note this case is not in litigation. Has NEVER been In
Consumer complaint received 2023-11-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (AL)

Received an email this morning claiming I owe a debt from XXXX. 
They said it is {$220.00}, that it is a former medical debt by a local hospital abd claimed that another collection company, XXXX, had previously bought the debt from that local hospital and now they, National Recovery, are trying time collect on this? My credit report has been cleared of all past due, collections, etc since XXXX of this year! 
The address listed on the debt is a combination of different former residences plus neither of those I have lived at since XXXX. 
The only information I was given stated I saw a XXXX named XXXX at XXXX XXXX on XXXX I have gone to XXXX, but not at that time nor did I see a doctor named XXXX Also, we refinanced our home with an fha loan earlier this year and ALL old debt or collections were paid at that time I take this seriously and am infuriated we have worked hard time rebuild credit after many years of caring for troubled kids and family. 
Please help
Consumer complaint received 2023-11-09
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)

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 2023-11-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.
Consumer complaint received 2017-03-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX is being reported on my credit report as an authorized user. Please delete this account from my credit report. This is not my account. I am not an owner of this account and I have never requested nor authorized to be added as an authorized user. Delete this from my credit report immediatley
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Date : XXXX XXXXXXXX XXXX Subject : Dispute of Inaccurate Information on Account Account Numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Dear Customer Service Team, I am writing to formally dispute the information reported on multiple closed accounts associated with Bank of America. Under 15 U.S.C. 1681, I am entitled to accurate information reporting and protection against unauthorized sharing of my financial information. Sharing my personal information with third parties without my explicit consent constitutes a violation of my privacy rights under FCRA Section 604 ( a ) ( 2 ) and other applicable statutes.
Consumer complaint received 2023-10-30
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 reached out to the following accounts below and talked to them about the issue with my account as reported by the EQUIFAX. They have advised me that they will remove the late status on my account and will correct the credit report accordingly and accurately, however, as I reviewed my recent report, the late status are still reporting. I am not sure how the EQUIFAX came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have included in this complaint FTC report with the report number XXXX for your reference.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway