davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The company XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX started in XXXX they stated we were late on payment well they actually changed due dates to make us show late twice. I tried to correct in XXXX when made aware of the issue. They said it is what it is. I had the issue again in XXXX I then decided to change lenders. The practices of XXXX XXXX XXXX are not good or moral. I have had several attempts with credit companies to have false information removed. I noticed they had a suit filed for illegal practices with XXXX which is where we obtained the vehicle loan. I am just trying to remove false information from my credit reports which has held me back for 6 yrs now. Why is this so hard. Angry and frustrated.
Consumer complaint received 2024-10-09
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: JPMORGAN CHASE & CO. (FL)

XX/XX/2023 in branch XXXX XXXX, assistant VP private client banker assisted me with a credit card reconsideration. XXXX XXXX contacted his support team & stated the reconsideration would not hit my credit as it was just run 5 days prior with no reason for a " Hard inquiry '' on a {$2000.00} card where I bank. XXXX XXXX advised me and I escalated the issue with chase executive office resulting in a XXXX call with myself & credit bureau who required a report to confirm my dispute. The branch confirmed & provided a report at least three times involving the branch mgr. XXXX XXXX XXXX In addition to my calls and multiple emails, multiple emails and calls from the branch to their executive office requesting the removal from my credit report & asking what needs to be done to remove the hard inquires to date there is no resolution. The branch acknowledges XXXX XXXX being advised by chase support and telling me this would not be on my credit report. In addition to branch mgr. XXXX XXXX also being told by her support team she left me a msg which i still have stating the inquires would be removed in 3 months. 9 months later and despite all of the branch communication supporting my claim and the promise of removal of the inquiries from my credit report, chase executive office is refusing. Chase support team advised their VP client banker who relayed info to me about credit reporting. I have been waiting over a year with no resolution. if I can't trust what a chase VP client baker tells me while sitting there listening to the conversation with his support team and the branch standing behind me then who at chase do I trust and who is accountable?
Consumer complaint received 2024-09-23
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. (TX)

Upon reviewing my credit report, I have found that inaccurate information continues to be reported, despite my previous disputes. The bureaus have verified this information as accurate, but I have provided proof with the attached letter showing it is incorrect. This ongoing reporting violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), which mandates a reasonable reinvestigation of disputed information.

Continuing to report these inaccuracies without proper verification is also a violation of Section 623 ( a ) ( 1 ) ( B ) of the FCRA, which requires furnishers to update and correct any information they provide to credit bureaus that they know or should know to be inaccurate. 

I respectfully request that this inaccurate information be removed from my credit report immediately, as the evidence I have provided shows it to be erroneous. Failure to remove this information could result in further violations of the FCRA.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 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 ) ( 1 ) A Person shall not any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I had no access to my account, I was unable to transfer funds between savings and checking. My deposits still have not posted, forcing me to take out a predatory loan to keep my rent check from bouncing. I called in and no one was able to assist. This has caused me financial harm.
Consumer complaint received 2024-09-23
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)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-09-23
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)

After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report.Please dispute and remove listed fraudulent inquiry from my credit report XXXX XXXX XX/XX/2024 XXXX
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

For weeks now, due to my complaints to the CFPB, and also my disputes within XXXX platform, Ive been unable to access the dispute platform ; to further report their negligence and misinformation concerning my credit profile and scores. I believe this is an intent to further discourage me from disputing their negligence and inaccuracy in the future. As well as this is yet another violation of the FCRA, impressed upon me, by TransUnion.
Consumer complaint received 2024-09-23
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. (KY)

Please Remove this inaccurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them.Please remove any information that the creditor can not verify.I understand that under 15 U.S.C Sec 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. I believe this account is either inaccurate or not reflective.

PLEASE send an updated copy of my credit report. According to the act there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Consumer complaint received 2023-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

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. 

XXXX # XXXX, Extra ( credit card ) # XXXX, XXXX XXXX XXXX XXXX XXXX ) # XXXX, XXXX 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 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 2024-07-29
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)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am reaching out urgently to highlight a critical issue involving fraudulent personal information and unauthorized inquiries linked to my identity. Upon a careful examination, I've discovered certain accounts and transactions falsely linked to me, without my authorization. This situation has caused me considerable distress and raised significant concerns.
Consumer complaint received 2023-09-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (CA)

I am writing to formally file a complaint against Midland Credit Management Inc. regarding a collections account that has recently appeared on my credit report. I have serious concerns about the validity of this account, the handling of my consumer rights, and the impact on my creditworthiness. 

The specifics of the collections account and the associated violations are as follows : Creditor : Midland Credit Management Inc. Account Opening Date : XX/XX/2023 Account Update Date : XX/XX/2023 Account Appearance on Credit Report : XX/XX/2023 Lack of Contact ( FDCPA 809 ( a ) ) : Despite the account being opened on XX/XX/2023, I received no communication from Midland Credit Management Inc. within five days of this initial action, as required by FDCPA Section 809 ( a ). This constitutes a violation of my rights and has negatively affected my ability to validate or dispute the debt. 

Status : No contact received within the required timeframe. Potential Statutory Damages : Up to {$1000.00}. 

Lack of Knowledge ( FDCPA 809 ( b ) ) : The absence of any prior communication and the account 's sudden appearance on my credit report on XX/XX/2023 have left me with no knowledge of this debt. I was not provided with the opportunity to validate or dispute the debt, as mandated by FDCPA Section 809 ( b ). This violates my rights as a consumer and hinders my ability to assess the accuracy and legitimacy of the debt. 

Status : Debt is unrecognized and unverified. Potential Statutory Damages : Up to {$1000.00}. 

Request for Validation ( FDCPA 809 ( b ) ) : I formally request Midland Credit Management Inc. to promptly validate the debt, given the discrepancies in reporting dates and the absence of prior communication. As per FDCPA Section 809 ( b ), I am entitled to validation, including documentation that substantiates the debt 's existence, the " original contract signed by XXXX ; XXXX XXXX XXXX, doing business as XXXX XXXX XXXX XXXX original creditor 's identity, and other relevant information. 

Status : Formal request for validation submitted to Midland Credit Management Inc. Potential Statutory Damages : Up to {$1000.00}. 

Violation of Credit Reporting Timelines : The account 's appearance on my credit report on XX/XX/2023, without prior notice or validation, has negatively impacted my creditworthiness and violated the Fair Credit Reporting Act 's ( FCRA ) requirement for accuracy in credit reporting ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ). 

Status : Collections account appeared on credit report without prior notice or validation. Potential Statutory Damages : Potentially subject to FCRA remedies.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My account with XXXX XXXX, XXXX, AND XXXX was never late! I have had exceptional payment history witH XXXX  XXXX 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 in XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX 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. XXXXXXXX XXXX XXXXXXXX, AND 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 2024-09-23
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)

FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer XXXX credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief. 


CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 
This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts. 
ACCOUNT NAME : XXXX XXXX DATE OPENED : XX/XX/2023 ACCOUNT NAME : XXXX XXXX XXXX DATE OPENED : XX/XX/2023 ACCOUNT NAME : XXXX XXXX XXXX DATE OPENED : XX/XX/2023 ACCOUNT NAME : XXXX XXXX XXXX DATE OPENED : XX/XX/2023 ACCOUNT NAME : XXXX XXXX DATE OPENED : XX/XX/2023 ACCOUNT NAME : XXXX XXXX XXXX DATE OPENED : XX/XX/2023 ACCOUNT NAME : XXXX XXXX DATE OPENED : XX/XX/2023 ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX : XX/XX/2023 These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer XXXX credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all previous consumer credit accounts, collections, and hard inquiries result from identity theft and fraud.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

This morning, I was shocked to see incorrect accounts appear on my credit report, and I have no idea how they got there. I always check my report regularly, but this time, out of nowhere, there were errors. I even tried refreshing my browser to see if it was a glitch, but nothing changed. The wrong accounts stayed. I'm now requesting that the documents I've submitted be thoroughly reviewed, so I don't have to deal with this again.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

My credit score is like a roller coaster up and down. Someone is using my identity to buy things and send money to people I don't know. Someone pretended to be an agent from FTC and scammed me out of money.I started noticing this about two months ago. Companies pretending to be a loan company and say they can't loan you money but they can help you if you just don't pay your bills and hire them to represent you for so much per month for so many years. Then there Insurance scams that you can get real cheap Insurance and when you call it's at lease twice as what you are already paying. I can ' even get a home equity loan because of this because some max my credit cards account out.
Consumer complaint received 2024-09-23
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. (OK)

I have called XXXX XXXX several times and also sent them a police report stating that I did not open up all those loans and credit cards and it is XXXX increase on my account and XXXX closed accounts. I was told by someone that it will be deleted off my credit by Monday. I check my credit is still on there. I asked him politely to remove this from my credit because it is stopping me from being being able to move forward to get a home all of those inquiries and close accounts are fraudulent accounts. It needs to be removed
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.
Consumer complaint received 2024-09-23
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: EQUIFAX, INC. (VA)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-09-23
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. (GA)

I am writing to formally express my concern regarding the unresolved disputed accounts on my credit report. Despite multiple requests for thorough investigation into the inaccuracies, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely affecting my credit file, causing considerable hardship and hindering my ability to manage my financial responsibilities. The ongoing presence of these inaccuracies has created significant challenges in my personal and financial life. 

I kindly request that you immediately investigate the reporting of these disputed accounts and take the necessary steps to update and rectify my credit report without further delay. It is crucial that these inaccuracies be addressed to restore the accuracy and integrity of my credit file. 

I sincerely urge you to treat this matter with the utmost urgency and appreciate your cooperation in resolving this issue swiftly. 

Thank you for your attention to this critical matter.