davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (NJ)

I ordered a shoe on the XXXX app on XX/XX/year>, which cost {$330.00}. The shoe was estimated to be delivered on XX/XX/year>. Fortunately, the package was updated to be delivered the next day XX/XX/year>. I made myself available to as to receive the package. I was at home tracking the XXXX  carrier. Suddenly, I heard honk from outside. I rushed out, it was a XXXX van hoping that my package had arrived. Unfortunately, the driver told me he didn't have my package, that there was a little bit of delay on that day. I went back inside, while I was waiting for my package. I checked my phone my package status had been to delivered. I checked front of my house, and rear door as instructed in the delivery manager, the surroundings, I asked my neighbors and I could not find my package. I called XXXX, called XXXX. They opened a claim, I had to order a new shoe of the same type pending time the case will be resolved. After several weeks, the claim was denied and they said the shoe was delivered. I have disputed the transaction three times with my credit company and all denied
Consumer complaint received 2024-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NJ)

I submitted a claim on my account on XXXX XXXX to my joint account. 
account number XXXX. 
the claim was in relations to charges made to my account that I wasn't aware about and I felt my account was compromised. 
I was told by the representative that there will be a provisional credit until the investigation os completed. 
In then days time the monies were placed on the account and then the account was closed by the bank. 
I was not given any reason but was just locked put of the account. 
they actual locked my personal and my joint along with my business account. 

I called numerous time and was told I can't have access because it was under investigation. and they needed 90 days. I asked well okay what will happen to my funds in my account. they said they will sent a cheque to my mailing address. 
no check was sent I kept calling and I was not successful. I went in different branch and no none would help me and stated that it was their back office and that they will reach out to me via mail. 

no one did. XX/XX/XXXX they close the account fully and the zero out the monies on the account. I called and they said its cuz my despite was denied. I called the despite department and they said the despite is still un going. I then receive a letter in XXXX that the dispute is completed and that the monies they had returned to me that was fradulently taken out of my account is now permanant. 

the letter stat4es the dispute is in my favor. 

I have not been able to get my monies. no cheque has been received and no monies paid over to me. I have been calling the bank over and over and have gotten to where all is stated to me is that they will email their back office to see hen the check ill be sent to me. 

today is XX/XX/XXXX and I have still not recieved my monies. 
the bank : Citi bank.
Consumer complaint received 2024-08-04
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)

I initiated a dispute with experian, which was resolved on XX/XX/XXXX under report number XXXX, in order to resolve a problem of homonymy and clarification of data, adding to it the relevant documents to my identity. 
However, when I look at my results, I realize that XXXX continues to confirm that I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are the same person, something with which I am dissatisfied and I come at this moment to complain. 

I express, that I recognize as my data, the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Queries : Clarify. 
ID number : XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-25
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. (NY)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2019-08-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (ID)

We took a XXXX XXXX loan on our home in XXXX. Fell behind in XXXX. Have gone through many many many hoops trying to get help from them since XXXX when my husband passed away only to be denied. We have paid over XXXX dollars a month for 12 years to them ... Chase is now foreclosing. They have collected over XXXX XXXX dollars in the last 12 years and are saying we still owe them XXXX XXXX dollars. 
They say in their foreclosure complaint that the last payment was XX/XX/XXXX ... My last payment was made in XXXX of XXXX. 

HOW CAN THIS BE? HOW CAN THEY DO THIS TO PEOPLE?
Consumer complaint received 2024-06-25
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. (AZ)

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I am submitting proof that this account XXXX credit does not belong on my report. please remove immeditely. I have suffered paying ridiculous fees due to this problem on my account that should not have been on my account.
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I have paid off my account for months now they are still reporting I owe a balance as well as late payments I have sent over several emails and I was told they would update. My credit has been effected tremendously by this error and the company will not fix this
Consumer complaint received 2024-09-10
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: EQUIFAX, INC. (MS)

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. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NM)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (TX)

I paid for monthly service for Myequfiax website and I cant access the account to check my credit report and Im getting error messages saying its temporary down for 10 hours and I cant see my credit report and after I submit my dispute online on XXXX  XX/XX/XXXX for a fraudulent account with XXXX XXXX XXXX the account hasnt been removed or blocked on my credit report and the dispute is still ongoing
Consumer complaint received 2024-06-28
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. (SC)

I am composing this to formally dispute any inaccuracies that might have surfaced on my credit record. Upon meticulous examination of the data, I have discovered some significant errors in the account specifics. The fact that these mistakes can negatively impact my prospects and financial status makes me concerned.

These anomalies need to be promptly resolved in order for my credit profile to continue being accurate and legitimate. As required by the Fair Credit Reporting Act ( FCRA ), I request a thorough investigation into the disputed items and their immediate correction.

I've attached supporting documentation that outlines the distinctions for your review and thought. Your timely attention to this matter is greatly appreciated, since it is essential to maintaining my financial stability.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is a request that you send summary data about credit reporting items that appears exactly as XXXX XXXX XXXX XXXX in my consumer files. Unless I understand the reason for this damaging item, I wont be able to decide whether to dispute either the unfavorable credit listing or its unacknowledged obligation in accordance with consumer rights provided by provisions regulating credit reporting, state and federal provisions regulating third party debt collections, or other relevant consumer protections. Pursuant to 15 USC 1681i ( a ) you must complete this reinvestigation within 30 days of receipt of this letter. I stand ready to escalate further should I not receive the requested data because you may have interfered with my personal reputation and ability to pursue credit. Please provide the following specifics : Please provide a purchase agreement to show full ownership of such account and if this alleged account was established by another party, then please explain why you are reporting it as your own trade line, i.e., whether you are a third-party collector. I am reasonably asking for one years worth of account data so that I can see how the matter progressed, as well as any collection fees or interest. Provide your license and bond to collect debts in my state of residence in order that I can be assured that your claim is valid. Should you decide not to follow through with this, then respect my personal integrity and rescind the unsupported data you have sent to any credit bureau.
Consumer complaint received 2024-06-27
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  XXXX Balance : {$24000.00} XXXX  XXXX XXXX Balance : {$4400.00} XXXX  XXXX XXXX Balance : {$690.00} XXXX  XXXX XXXX Balance : {$690.00}
Consumer complaint received 2024-06-27
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. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My accounts 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 to be removed/updated.

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.

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!
Consumer complaint received 2024-06-27
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. (OH)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-06-19
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)

I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Consumer complaint received 2024-07-03
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)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than XXXX  days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello and good day, please take this complaint seriously as it has been really frustrating it's been going on for months now. This inaccurate information you are reporting on my credit is already deleted by both XXXX and XXXX and blocked from reporting - yet my requests to remove these kept being ignored, you are intentionally reporting errors on my credit and is negligent/non-compliant. This has affected my life so much in negative ways it's taking a toll on my mental health, my new credit applications are affected as well as I am either rejected or ignored due to these erroneous information.