davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-24
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 see items on my credit report that I dont recognize, and I suspect my identity may have been stolen since I didnt authorize these accounts. Ive raised this issue before and now urgently request their removal from my report. These accounts dont reflect my true credit history and are causing me significant stress. If we cant resolve this, Im prepared to take legal action to protect my rights. These inaccuracies are major obstacles in achieving my financial goals, like buying a house and supporting my family. I hope we can address this issue promptly.
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: TRANSUNION INTERMEDIATE HOLDINGS, 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. XXXX, a Department of Education servicer, has violated my rights under 15 USC 1681, Section 602 ( a ), which states that consumers have a right to privacy. Additionally, 15 USC 1681, Section 604 ( a ) states that a consumer reporting agency can not furnish an account without my written instruction.

Furthermore, 15 USC 1681 ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse items of information other than records of convictions of crimes which antedate the report by more than seven years. According to 15 USC 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 2022-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (PA)

On XX/XX/22 a banking error was made by PNC bank to my account in the sum of {$2400.00} check # XXXX. This check was in the amount of {$240.00} and a banker input it incorrectly. They said it would be fixed on Monday XX/XX/22 and it still has not been fixed as of XX/XX/22. I have called and gone down to the bank personally to try to rectify this situation to no avail.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Please read this complaint seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my mental health that I wouldn't even be able to afford help because of my low credit score due to these errors.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (WA)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Collection/Charge Off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Information : Name : XXXX XXXX XXXX Former : XXXX XXXX Also Known As : XXXX XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX , WA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX , WA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX , WA XXXX
Consumer complaint received 2019-12-18
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: Experian Information Solutions Inc. (GA)

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on but these items are not mine and the all need to be deleted from my credit report : XXXX ( NO ACCOUNT NAME ), XXXX  XXXX. Inquiries : XXXX XXXX & XXXX I have contacted my local police and the FTC. I am doing this on my behalf.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am reaching out for your help regarding the account inaccurately reported on my credit report. This issue has been harmful to my reputation, and I need your support. The way my credit report has been treated has left me in a difficult position, as the incorrect reporting has damaged my reputation. You need to clear this misleading information from my credit report.
Consumer complaint received 2024-09-03
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. (AL)

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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : U.S. Bankruptcy Court Account Number : XXXX and 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 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2024-10-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC. (TN)

I created a bill pay from my XXXX to pay the provider. The provider never received a check and when I questioned it, the XXXX said they deposited directly into account. Provider does a not accept electronic transfers. Ive spent hours on the phone with promises they will escalate and reverse charges and no action is ever taken
Consumer complaint received 2023-10-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/XXXX, I encountered two distinct offers for the Chase Sapphire Preferred card : a pre-approved invitation from Chase promising XXXX bonus points and a public online offer for XXXX bonus points. 

Upon applying for the card via the public XXXXpoint offer, I was promptly denied on the grounds of " an excessive number of credit inquiries, '' a rationale that puzzled me given my record of only one inquiry over the past 12 months. What is particularly baffling is that, on that very same day, I applied via the pre-approved invitation through the Chase Mobile app and was instantly approved but for the lesser XXXX points offer. The stark contrast in the outcomes, both rendered within hours of each other, raises serious concerns about the consistency and fairness of Chase 's evaluation system. 

I subsequently contacted Chase Card Services on XXXX XXXX ( as indicated by my communication dated XXXX ) to request a match to the XXXX bonus points offer. The first response I received was on XX/XX/XXXX, stating that my account had a temporary hold by the Fraud Department, and they couldn't review the bonus offer at that time. 

My concerns were escalated to an investigator on XX/XX/XXXX. However, despite the gravity of the escalation, there was a prolonged silence from Chase. It was only after my follow-up message in XXXX that I received feedback. On XX/XX/XXXX, I was informed that my account ( ending in XXXX ) wasn't eligible for the XXXX bonus points promotion, and a match to this offer was refused. 

Throughout this period, there were noticeable delays in communication, and the issue has not been resolved in a manner I deem fair.
Consumer complaint received 2024-09-24
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. (GA)

To Whom It May Concern : In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the law 1681 15 USC.

Pursuant to 1681 15 USC section 602 A states I have the right to privacy.

Pursuant to 1681 15 USC section 604 A section 2 : it also states a consume reporting agency can not furnish accounts without my written instructions.

I am requesting for the original copy of the agreement and terms & conditions. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of the notice. I look forward to your response.

My information was involved in the Data Breach and are unfairly being reported to my credit report.

Resolutions : Please have these accounts deleted unless you want to be held accountable for {$1000.00} per account ; XXXX. XXXX XXXX XXXX. Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX. XXXX XXXX Account XXXX XXXXXXXX XXXX. XXXX Account XXXX XXXX. XXXX Account # XXXX XXXX. XXXX - XXXX I am including a copy of my drivers license with my updated ID and my Social security Card To have these items deleted from my report.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Southwest Credit Systems, L.P. (CA)

Southwest Credit Systems , L.P. contacted XXXX XXXX XXXX via a mailing as a debt collection agency on behalf of XXXX. A wireless provider XXXX XXXX  had purchased a month to month service plan with for a personal hotspot device provided to XXXX XXXX XXXX XXXX XXXX  decided that he no longer wanted the device or service due to service related issues that he felt were unsatisfactory and other relative concerns. XXXX XXXX, per the terms of his contract attempted to return the device at the same retail location from where it was purchased in XXXX XXXX , CA . The retail store representatives stated they were unable to process the return and advised XXXX XXXX  to contact a generic customer service departement. XXXX XXXX  did this and the customer service department advised that the return should take place at the retailer. XXXX XXXX  still has the device, and is willing to return it at any point in time in the immediate future if the provider would simply accept the item back, which is allowed for consistent with his month to month contract that was paid current at the point of attempted return. Nevertheless, the account was reported to a collection agency who subsequently reported the account to the XXXX major credit reporting agencies ( XXXX XXXX XXXX and XXXX ). ' Consistent with the initial mailing that was sent to XXXX XXXX by Southwest Credit Systems , XXXX XXXX complied with the expressed directives and procedures for disputing the debt and obtaining verification of the respective and consistent debt, but the collection agency did not comply and chose to report the information to the XXXX major credit reporting agencies. '
Consumer complaint received 2024-10-15
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Unifin Inc. (RI)

This is Unifin, a debt collector. We have an important message regarding your outstanding balance of {$5500.00}. If this is a mistake report it here : https : //t.unifininc.com/y/. 
XXXX Ref # XXXX Call us at XXXX or access our Self Service portal : https : //t.unifininc.com/V/. 
XXXX Reply STOP to opt-out. 


I opt-out but still received three more texts. 
Also blocked incoming #. XXXX. 
This message received XX/XX/year> @ XXXX
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX Credit Report File # XXXX dated XX/XX/XXXX : XXXX. ) Page 2 : Creditor : XXXX XXXX XXXX Account # XXXX, Balance {$13000.00}, Payment {$680.00}, opened XX/XX/XXXX. I do not have this account, the balance and payment. 
According to Creditor, XXXX XXXX XXXX, they have no record of the account with the balance and monthly payment.
Consumer complaint received 2024-08-22
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. (CA)

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 informationisinaccurate.
Consumer complaint received 2024-07-08
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: Experian Information Solutions Inc. (AR)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-07
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. (FL)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-08-22
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. (CA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.
Consumer complaint received 2024-10-17
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: FIFTH THIRD FINANCIAL CORPORATION (IL)

I deposited my student loan to my husbands account because I do not have my own bank account. Fifth third apparently told the person Who is responsible for financial aod at my college was in contact with the bank for the past two weeks and told them that the funds were released but they werent. 
it has been about two weeks since we deposited the check and now they are not answering the phone for me, or my schools financial aid office. my schools Financial aid office has tried repeatedly to contact them, but they do not answer their phones.
Consumer complaint received 2024-09-26
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. (FL)

I am writing to express my concerns regarding several issues I have encountered with the credit bureau. These issues include inaccurate account listings, multiple unauthorized inquiries, erroneous credit reporting, billing discrepancies, and accounts that do not belong to me.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2023-12-04
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. (NC)

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 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

To Whom It May Concern, I wish to formally state that I am exercising my right to dispute any inaccurate information found on my credit report by the Fair Credit Reporting Act. The integrity of my credit report holds significant importance to me, and I kindly seek your cooperation in addressing any discrepancies. I am aware that creditors must verify and substantiate the details provided in my credit report before utilizing them. I hold a firm belief that the accusations of delinquency and derogatory remarks attributed to me are unfounded, and I request substantiating evidence supporting the adverse status of my accounts. I humbly request that you furnish proof of a legitimate reason for the inclusion of any inquiry or account on my report. 

XXXX XXXX XXXX XXXX XXXX  This is a violation of 15 U.S. CODE 1666B. Was never late, delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in written instructions of the consumer to whom it relates. ''