davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Ive tried numerous times to get inaccurate information of my consumer reports by reaching out to each of the consumer reporting agencies through certified mail. Also through this CFPB portal. I have many complaints to back this up. Do to my rights as a consumer being violated for FURNISHERS OF INFORMATION UNDER FCRA. I have been denied a XXXX business loan from my bank XXXX XXXX. Ive also had my credit decreased by truist bank from XXXX to 2000 and my XXXX XXXX XXXXXXXX XXXX XXXX credit limit decreased from XXXX XXXX to XXXX. Which made my utilization go up and my consumer score go down. So I had to file a I identity theft report. Which you will see in my documents. I will be taking legal actions for this violation. Also I will be sending each of the consumer reporting agencies an arbitration letter. For my rights being violated as a consumer. All of the laws are in my documents also proof of the losses I took from this violation. I ask to remove all accounts that Ive tried to get rid of. DO NOT PUT A FRAUD ALERT ON NONE OF MY CONSUMER REPORTS.
Consumer complaint received 2024-08-28
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. (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 XXXX out of XXXX 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 2024-07-01
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)

This is my 6th endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
REV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX & XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2024-08-28
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. (GA)

recently i looked at a copy of my credit report and noticed several inaccuracies on my account. this account is hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy. 
her is the item i am asking you to verify as accurate : XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-06-28
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)

PLEASE BLOCKED AND REMOVED. 
I never authorized or established these accounts, and I suspect they may be fraudulent. Please conduct a comprehensive review of these accounts and take the necessary measures to remove them from my credit report. It is crucial for maintaining the accuracy of my financial records.
Consumer complaint received 2024-07-01
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)

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XX/XX/XXXXXXXX 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 2023-09-30
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. (NY)

In accordance with the fair credit reporting act, creditors have violated my right. Under 15 U.S.C section 166B states 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. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2024-07-01
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)

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with the company and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX  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 2024-08-28
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)

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 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TN)

I have requested several times from Equifax to remove the internal block, Security Freezes and Fraud statements from my credit report. I have sent mail and spoke to representatives over the phone. 


I spoke to them XX/XX/year> via phone and was advised to send a letter & 2 proofs of Identification to XXXX XXXX XXXX XXXX, XXXX XXXXXXXX to remove the internal block. I sent letters in XXXX, XXXX & XXXX and the internal block ad freezes are still on my account which is keeping me from approvals when applying for credit.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I am very distressed with how my complaints turned out. I am constantly ignored regardless of my consistent plea for my information to be verified and updated but here we are yet again. I'm getting frustrated that none of my scores are going up because of the inaccuracies that are hindering my report.
Consumer complaint received 2024-08-12
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (GA)

Was notified by XXXX XXXX of a new collection. Contacted IC systems. At first, they couldnt give me any information. I said Im unaware of this account. They stated it was for a XXXX bill from XXXX  but didnt have a service address. I told them I was never contacted about this. They said they tried to email me back in XXXX. I dont have an email from them. They said I could go to police department to start a fraud case.
Consumer complaint received 2024-07-02
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: EQUIFAX, INC. (NJ)

I am filing this complaint to MyEquifax, which is the company and website that manages credit reports for the credit bureau called Equifax. 

Since XX/XX/XXXX, I have noticed that my MyEquifax profile was locked, even when putting in the correct username and password, even when using the " reset password '' feature on the website and putting in all the correct identifying information, when I do this it prompts me to call the customer service phone number for My Equifax, XXXX ( see attached picture ). 

I have called the number, it always takes one hour or 1.5 hours on the phone to verify my identity, which I do successfully every time. I have asked for my online access to be restored during every one of these phone calls, I have talked to them on the phone on XXXX separate occasions during the months of : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX Every single time they tell me they have submitted my request to their IT department. And every single time I am still locked out of my account. When I try to reset the password, it tells me to call their phone number, and every time I have to spend 1-2 hours of my time to freeze/unfreeze a bureau, and every single time my online access is still NOT RESTORED. 

The last time I called in XXXX, XXXX. I requested for them to delete my MyEquifax account. They said sure we have put in the request and your online account will be deleted. I did this in hopes to establish a new account since obviously they were unable to restore access to my account for 6 months already at that time. And of course, my account has still not been deleted, my online access has still not been established. 

This has causes me great harm and delays in monitoring my credit and obtaining credit products that use the Equifax bureau. It is absolutely inexcusable for any firm to take more than 8 MONTHS to resolve a simple matter such as restoring online access. It is obvious that their customer service department is ignoring my concern, or simply is unable or doesn't want to address it.
Consumer complaint received 2024-06-24
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. (FL)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (FL)

*** THIS IS NOT A DUPLICATE COMPLAINT!!! THIS IS A DIFFERENT MATTER from XXXX!!!! 

To : Discover Financial Services-Date of inquiry : XX/XX/XXXX Attn : CFO XXXX READS WAY XXXX XXXX XXXX XXXXXXXX NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to XXXX XXXX. XXXX. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to XXXX years of imprisonment, in addition to civil liability. 

By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at XXXX U.S.C XXXX ( a ) XXXX ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ) I have not initiated any transaction with Discover Financial Services. Furthermore, I do not have an account as defined under XXXX XXXX. XXXX ( XXXX ) with Discover Financial Services for review or collection. 

Pursuant to XXXX XXXX. XXXX ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under XXXX XXXX, imprisoned for not more than 2 years, or both. 

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA XXXX ( a ) ( XXXX ) ( B ) [ XXXX U.S.C. XXXX ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within XXXX ( XXXX ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 

Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( FCRA ). XXXX : XXXX XXXX XXXX, XXXX, XXXX and XXXX XXXX XXXX
Consumer complaint received 2024-07-30
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (MD)

I traded in my XXXX XXXX XXXX back in XXXX and the account was paid off and zeroed out in early XXXX. Upon this i received a check for {$900.00} for my gap insurance reimbursement which was sent out on the XXXX of XXXX. The remaining refund was for an overpayment by the dealer i purchased my new vehicle from in the sum of {$320.00}, in which this check was cut on the XXXX of XXXX. I called numerous times over the next XXXX weeks seeking info on the checks whereabouts only to be told i had to wait XXXX business days for them to take action. I called on the XXXX which is over XXXX business days only to which be told to wait more time. The other check was here in under 4 days, at this point i informed them that i believe the check was lost in the mail. I told them i would like the check resent but overnighted via FedEx with tracking and was told that it couldn't be done, even though u i was told it could be when i called on the XXXX the day prior. Now they want to take an additional 5 days to send the check plus another 10 days for it to arrive. I would like this check sent in a safer manor see the sum is in excess of {$1000.00}, i would like this check overnighted for safety reasons.
Consumer complaint received 2024-08-29
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. (SC)

I have been a victim of identity theft. I have already notified the authorities and the Federal Trade Commission by completing an identity theft report. Please delete the following accounts from my credit report immediately. I didn't give permissible to furnish my information there's no reason for none of that derogatory information to be on there. 
FCRA section 604 ( a ) ( 3 ) 15 USC 1681 ( b ) As you know it is against the law to report any information not proven accurate. XXXX. Validation of debts_ [ 15 USC 1692g ] Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA you must remove the account from my credit report.
Consumer complaint received 2024-07-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (MD)

Upon the death of my father, in XXXX XXXX XXXX, I have attempted as the Trustee of my fathers affairs attempted to take possession of my fathers assets, which are almost completely held in his trust with JPMorgan Chase. On XX/XX/year>, I went to the Chase branch on XXXX XXXX XXXX, XXXX, XXXX  bringing all the documents that are required to make the transfer of the assets into an estate account, so that I could manage his affairs. I have visited the branch XXXX times, and still the branch has not provided me with access to my fathers trust account. I have had to explain several times to Chase bank employees that this is a trust, setup with the explicit purpose of simplifying the adjudication of my fathers estate upon his death, so that it does not have to go through the XXXX  probate process and as such does not require probate documents to be provided to the bank. I had to talk to Chase customer service estate experts to provide the branch instructions on how to provide me information about his accounts through the Date of Death Balance Letter, which I did not receive until XX/XX/XXXX. 

I am extremely frustrated that this has already required six in-person visits to the branch and most of the month of XXXX to conduct a process that should be a standard procedure for Chase. There is nothing complicated about this trust. The trust agreement was prepared by an attorney licensed in the state of California, whose council I have retained. I have also reviewed the California Courts rules for XXXX XXXX XXXX XXXX, so I could explain to the bank that trusts do not go through the Probate process, which the bank should already know since my dads Chase Bank was in the state of California. 

I should not have to train Chase staff on how to set up an account for an estate. To ensure that I am compliant with the laws of the state of California, I have retained my dads lawyer, who drew up my fathers trust agreement and will. I have reviewed the California Courts rules for XXXX, XXXX, and XXXX. 

As I have mentioned I have been to the local Chase Bank six times. I have also contacted Chase Customer Service and Chase Compliant Escalation, and no one seems to be in any great hurry to give me access to my fathers assets.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

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 XXXX Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX 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 it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-07-03
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (CA)

Ally Financial is incorrectly reporting my former auto loan with a charge off amount of over XXXX to all 3 credit bureaus. There was an accident and the car was deemed totaled so my insurance company sent payment to Ally in exchange for pink slip. This account was settled for less than the full balance.