davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to bring to your attention an ongoing issue with my credit report. I have discovered that you are reporting inaccurate information regarding Hard Inquiries, which have been reported without my knowledge or permission. Despite numerous attempts to reach out to you and resolve this matter, no corrective action has been taken on your end. 

As a consumer, I am protected by various laws, including the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure the accuracy of the information they report. According to 15 USC 1681i ( 5 ), it is your responsibility to modify or delete any information that is found to be inaccurate. However, despite my efforts, you have failed to take any corrective action, and continue to report false information that is negatively affecting my credit score and ability to obtain credit. 

Specifically, I would like to point out that the following Hard Inquiries are inaccurate and should be removed immediately : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In light of these violations, I demand that you immediately delete the inaccurate information from my credit report, including the incorrect addresses associated with the Hard Inquiries. Additionally, I request that you remove the freeze alert from my account. 

I also request that you compensate me for the financial losses and emotional distress I have endured as a result of your inaccurate reporting. 

I urge you to take immediate action to rectify this situation and ensure that you comply with the laws that protect consumers ' rights. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (PR)

I have two accounts at CHASE, I have been living in XXXX XXXX since 2015, and do not travel often to mainland United States. However I keep these two accounts where I have saved my money. 
As there are no branches of CHASE in XXXX XXXX the only way I have access to my accounts is through their website. However both my accounts are dormant and I can not access my accounts, but even worse, now, when I access their website it tells me that I do not hold accounts at CHASE, which is not true. 
I have written emails, and called their service line and the customer service representative told me that my accounts are not active and that i have to fax a letter requesting the activation of both my accounts, which I did back on XX/XX/XXXX of this year. 
However both my accounts continue to be inactive. 
I had a relative that lives in XXXX XXXX, Florida, to visit one of the CHASE branches and try and deposit some money to see if that would activate the accounts, but they refused because the accounts are inactive. 
I called customer service again on XX/XX/XXXX, and they told me that the accounts are inactive and that it will take several weeks to activate. 
This is not acceptable, i need to access my funds immediately, not when the bank decides that i can. 
I have {$900.00} in my checking account and {$39000.00} in my savings account. That is almost XXXX XXXX dollars and they substract money every month for service charges.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name.
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-10-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

This company is now " charging off '' the account after I provided the legal tender. I have requested on numerous occasions that I be supplied with financial documents - XXXX XXXX Related Party Disclosures- XXXX XXXX Receivables XXXX XXXX XXXXXXXX Liabilities - Full Disclose of Assignment of Note - Any/all endorsements and allonges of NI. Nothing has been sent to me and I have been ignored on all occasions. I have the right to request the documents per UCC 9-210 ( b ) the duty to respond is within 14 days. At the time of opening, I was considered a minor of the account, I voided/rescinded the contract per the Baby Act, due to fraud, lack of disclosure, and lack of consideration. They were informed that I never abandoned these securities. I am the entitlement holder. They can no longer assume or presume that I am lost at sea. I signed a negotiable instrument, not just a contract. I never received a " loan '' from this entity, rather, they borrowed from me.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

In accordance with the fair credit reporting act XXXX  account XXXX Capital One has violated my rights. 
15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

I was never late on account listed above. Please show me documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please delete this alleged late payment from my credit profile. This is an invalid late payment. The FCRA allows 30 days for this to be rectified.
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

THIS IS THE THIRD TIME I have filed a complaint about an account from XXXX XXXX XXXX # XXXX. I request the date of last activity or payment any type of verification never received it. I was told that this account would be delete back in XXXX 2022 by the same company and nothing was updated properly. I request that the account be deleted at once.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$650.00} ; XXXX XXXX XXXX  XX/XX/XXXX XXXX
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

It has been brought to my attention that you are not hindering records when I sent a copy of the FTC report and Bureaus letters last XX/XX/XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 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 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

The following Inquiries do not belong to me nor did I authorize them : 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 2023-06-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (WA)

Hello I bought a XXXX XXXX XXXX from XXXX XXXX in XXXX Washington in XXXX of this year. I put 10 % down on {$1300.00} it took over a month for the dealer to finalize the loan with the finance company. My house burned to the ground on XX/XX/XXXX and we were struggling to survive we contacted XXXX XXXX they had no sympathy for our situation and told me if we didn't make payment by the XXXX they would be sending back my loan we paid on the XXXX no calls or emails saying that anything was wrong. Now today XXXX XXXX who we still haven't gotten a registration from and who had put plates from someone else 's car on this car we find out from the state patrol saying that they want the car back ... ..we bought the car not being told the title was rebuilt. I have sunk over XXXX dollars into this car because the owner of the dealership I bought it from XXXX rigged everything under the hood of this car I can provide all receipts for the work I've done so basically I would like to either get paid back for the money I have had to dump into the car and the down payment and payment I have made. Or I would like the finance company to reinstate my loan
Consumer complaint received 2023-03-28
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: EQUIFAX, INC. (NJ)

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 USC 1681 Account name : XXXXXXXX XXXX  XXXX  # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX  XXXX  # XXXX Account name : XXXX  # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX  # XXXX Account name ; XXXX/XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name XXXX XXXX XXXX XXXX # XXXX Account name : XXXX  # XXXX Account name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX  # XXXX Account Name : XXXX XXXX  # XXXX Account name XXXX XXXX XXXX  XXXX # XXXX Account name : XXXX/XXXX  # XXXX Account name : XXXX/XXXX # XXXX Account name XXXX/XXXX  # XXXX Account name : XXXX/XXXX  # XXXX Account name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account name : XXXX  XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX/XXXX  # XXXX Account name : XXXX  XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX  XXXX # XXXX 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 US C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer 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.

15 US C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-05
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: EQUIFAX, INC. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$140.00} XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX {$1300.00} XXXX C XXXX {$320.00} XXXX XXXXXXXX {$9800.00} XXXXXXXX XXXX XXXX {$270.00}
Consumer complaint received 2020-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I applied for a car and was not approved. There are accounts on my credit that I dont know anything about. Please remove these from my credit XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX. I also saw some inquiries as well I dont know about XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted the FTC and local police.
Consumer complaint received 2023-04-05
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: Bread Financial Holdings, Inc. (NC)

In accordance to the credit reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have right to privacy. 15 usc, 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a credit may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-04-05
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: Synovus Bank (FL)

in accordance with the fair credit reporting act XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States i have the right to privacy. 

15 U.S.C 1681 Section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written consent. 

I have tried over and over for the past 8 months to dispute and remove 3 loan accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These companies have been on my credit report due to identity theft and fraudulent charges not made by me. I've submitted documentations such as FTC reports and Police reports to XXXX to furnish to the creditors. XXXX has yet to remove the accounts even with substantial information claiming the creditors deem the accounts as valid. I applied for XXXX and XXXX XXXX XXXX XXXX in XXXX of XXXX while being XXXX to help with my medical bills however i did not get a chance to use the cards because they were stolen and used by a thief. There is also a fraudulent closed auto loan by the name of XXXXXXXX XXXX that i did not authorize. I backed out of the deal once i was advised i would be a co-borrower. The agents agreed to remove me off the loan application and come to find out later i was still on the loan. I've sent letters and reports and police reports to have the company remove me from any business with XXXXXXXX XXXX they still have not removed me from the account. I am requesting the companies remove me from their databases as these accounts were inaccurately reporting and not handled i the correct manner to take the proper steps in resolving these issues.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

I have been lied to about my credit score. XXXX XXXX has me down as a XXXX credit score, when Experian says totally different. They have me as a XXXX credit score. Also there is inaccurate account information that needs to be removed in regards to a debt that has already been paid.
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance XXXX {$1900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3800.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$3800.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXXBalance : {$960.00} ; XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (NY)

I have tried several times to access my checking and savings account at Ally Bank, but the bank appears to have blocked access to my account and refuses to give me a reason. When I called their helpline they told me that they could only help me if I wrote to them. When I wrote to the bank I received no response. This letter is attached. I also called the bank several times during the past month I was repeatedly told they could not help me. 

I am an attorney and I have to pay for clients bills as I'm authorize to do from this account. I have suffered significant damage in my clients have suffered damage because of the bank 's action. Is the bank does not respond to me I have contacted you and hope that you can help to resolve this matter and encourage the bank to pay me compensation and ensure that such blocking of my account without any reason does not happen in the future.
Consumer complaint received 2020-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Account : XXXX XXXX / XXXX XXXX XXXX XXXX Account : # # # # # XXXX Not my account *** Delete it immediately *** XXXXXXXX XXXX Account : # # # # # = {$870.00} Not my account *** Delete it immediately *** Inquiries : XXXX XXXX, XXXX XXXX Never Authorize - *** Delete it immediately ***