davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, ID XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 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  Inquiry : XXXX XXXX, XXXX. 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

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. these are the accounts : 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 XXXXXXXX
Consumer complaint received 2024-09-10
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: AXOS FINANCIAL, INC. (LA)

Company changed status to repossession after dispute of balance was sent the vehicle was not repossessed vehicle was paid off by insurance company do to a total lost there for the company is knowingly reporting false and incorrect information to my credit report which is a violation of my rights they have never provided any proof of vehicle being repossessed
Consumer complaint received 2023-11-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to address an ongoing issue concerning my credit report, specifically the continued existence of fraudulent accounts despite repeated efforts on my part to rectify the situation. This matter has caused significant distress, and I am seeking your assistance in resolving it promptly. 
Account Information : Creditor XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE!!!XXXX XXXX XXXX XXXX XXXXPLEASE DELETE!!! 

I have previously submitted documentation and dispute letters regarding the fraudulent nature of the mentioned account. Despite my diligent efforts, these fraudulent entries persist on my credit report maintained by your bureau. This situation is both frustrating and alarming, as it not only negatively impacts my creditworthiness but also questions the effectiveness of the credit reporting process. I have also made repeated attempts to escalate this matter through the appropriate channels, but the issue remains unresolved.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

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

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 1
5 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-15
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. (NY)

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

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-08-15
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. (CA)

Since XX/XX/year>, Equifax employees have unlawfully accessed my credit report without my consent or knowledge, leading to the initiation of fraudulent and frivolous disputes. I have provided confirmation numbers related to some of these unauthorized actions : XXXX, XXXX, XXXX, XXXX, and XXXX. These actions have caused significant hardship and financial loss, as the disputes started by Equifax employees were on accounts that were either non-existent on my profile or on authorized accounts that were closed in good standing. 

Equifax employees have unlawfully deleted the following accounts from my credit report : 1. XXXX XXXX XXXX  account ending in XXXX XXXX XXXX. XXXX account ending in XXXX XXXX XXXX. XXXX XXXX XXXX XXXX account ending in XXXX XXXX XXXX. XXXX XXXX mortgage account ending in XXXX XXXX I have never submitted any disputes regarding these accounts, all of which were closed in good standing. The deletion of these accounts has further damaged my credit profile and caused additional financial harm. 

I have reported this fraudulent activity and the ongoing behavior of Equifax employees to the XXXX XXXX Police Department, the FTC, the CFPB, the California State Attorney General, and the XXXX. Despite these reports, Equifax employees continue to commit fraud, initiating disputes and using information such as names and addresses of Equifax and the employees mentioned in the reports. These employees have also used these names to falsely claim that I disputed these names on my credit report. This fraudulent behavior has been ongoing for several months and has significantly impacted my financial stability. 

Despite multiple attempts to resolve these issues, the same employees continue to access my credit profile and manipulate accounts. This has led to the addition of fraudulent information, the initiation of baseless disputes, and the deletion of legitimate accounts that I have never disputed. The ongoing manipulations of my credit report have severely impacted my financial standing, making it difficult for me to maintain accurate credit information and leading to further complications in managing my financial obligations. 

Equifax 's unauthorized access and manipulation of my credit report are clear violations of the Fair Credit Reporting Act ( FCRA ), specifically Section 604, which requires that consumer reporting agencies must have a permissible purpose for accessing a consumer 's credit report. Additionally, these actions may also violate California state laws that protect consumers from unauthorized credit report access and the mishandling of disputes. 

Attached documents are letters from credit furniture XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX dispute letter to copies of identification, police reports, FTC identity XXXX theft reports
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Complaint Against TransUnion : Refusal to Remove Inaccurate Data I've submitted several requests for the removal of inaccurate information from my credit report. Despite being notified that the account was closed due to a creditor error, which resulted in the cancellation of the debt, TransUnion has refused to delete the erroneous entry. I request immediate action to correct this issue.
Consumer complaint received 2024-09-29
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: JPMORGAN CHASE & CO. (CA)

I was charged on XX/XX/XXXX for the amount of {$6600.00} for goods or services that were misrepresented. 

I opened my dispute on XX/XX/XXXX with Visa Chase Card Services. On XX/XX/XXXX Chase sent me a letter stating if I want to continue the dispute and that the merchant has provided information showing they believe the charge is valid. I wanted to continue the dispute and filled out the paperwork and sent it back immediately. 

On XX/XX/XXXX I received another letter from Chase stating they considered the charge valid and they included pictures of documents that have nothing to do with us, there is a picture saying XX/XX/XXXX pickup from XXXX XXXX XXXX XXXX XXXX which is not us. There is also a receipt showing {$4000.00} XXXX which is {$200.00} XXXX XXXX  and there is no explanation for what this charge is for. 

I then called the Chase dispute line and they said to fax a letter that I signed saying I was not happy with the resolution and they needed to reopen the dispute. I faxed this letter multiple times on XX/XX/XXXX and on XX/XX/XXXX. I have XXXX confirmations that I sent by fax and they were received. I called to see if they received the fax and they said no and to upload it on their app so I did that. 

Then I received a letter from Chase on XX/XX/XXXX that again they confirmed the transaction I disputed was valid and that they contacted the four credit reporting agencies. 

I turned in all supporting documentations and shared what exactly happened in detail. They said the dispute outcome was that the charge was valid. Charges were made for goods or services that were misrepresented. 

They did not read my claim information at all. The documents from the merchant show some other amount and information unrelated to this dispute. Chase did not even read it or go over my paperwork.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (GA)

Subject : Notice of Dispute Demand for Deletion of Inaccurate Charge-Off Reporting Dear Navy Federal Credit Union , I am writing to formally dispute the accuracy of a charge-off that is being reported on my credit report in connection with my account [ Account Number : XXXX ] held with Navy Federal Credit Union. 
Upon reviewing my credit report, I noticed that the charge-off is being reported inaccurately. The details of the reporting do not align with my payment history or the terms of my agreement with Navy Federal Credit Union. This inaccurate reporting is having a negative impact on my credit score and my financial well-being. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. Therefore, I demand the immediate deletion of this inaccurate charge-off from my credit report. 
I expect Navy Federal Credit Union to take swift action to delete this erroneous entry from my credit file and to provide written confirmation that this action has been completed. 
I appreciate your prompt attention to this matter and look forward to your timely response. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

Do you know or have any idea how distressing it is when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively impacted both my credit score and my life, it is my literal lifeline during emergencies, and every paycheck is an emergency.
Consumer complaint received 2024-08-23
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

The company continues to lock my card and giving access to members other than myself without my permissions which causes my card to be locked continuously bringing me in and out the banks to come in and verify are you the man at the bank or what - XXXX  I am asking the company to look into BOA and my general name and social security as the company has been doing illegal things such as holding claims, falsifying information, and also stating false claims as far as my purchases and stating I am scamming
Consumer complaint received 2024-08-13
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. (CA)

I contacted Transunion regarding the recent Hard Credit Inquires that were placed on my account from the following Institutions : 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 XXXXXX/XX/year> I need this inquires removed from my credit report since they are fraudulent and unauthorized.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

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

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-10-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

JP Morgan has a 5 year contract with the US Treasury Department to provide account validation services for federal government agencies which include Social Security Administration and IRS. JP Morgan described its appointment as " reflecting the important role that account validation plays in Treasury 's commitment to payment integrity and the reduction of improper payments. '' From Article : Global Government XXXX : US Treasury turns to JP Morgan for payment account validation services. Published by XXXX XXXX XXXX XXXX XXXX 

My husband and I have not received our XXXX Federal income Tax refund to date. We are owed {$5000.00} with interest. We filed our joint marital return 1040 with a cover letter on XX/XX/XXXX by overnight USPS mail which was acknowledge received by proof of receipt. We have been continuing to check with TD Bank to see if our Federal and NY State income Tax was deposited? We issued a letter of inquiry to XXXX XXXX recently on XX/XX/XXXX by certified mail # XXXX, see attached Two days ago when I had inquired about our refund by telephone, it was conveyed to me over the phone that " we did not sign our tax return '' and we " will not be receiving our refund anytime soon. '' It was also conveyed to me that XXXX XXXX " will never see our letter ''. Additionally, I was instructed to open a case with the National Tax Payer Advocate system which my husband and have decided not to utilize since we have no Federal liens and had a disappointing experience in the handling of our XXXX refund by the Tax Payer Advocate Congressman XXXX utilized on our behalf. When, I had sought help through my local representatives who utilized their tax Tax Payer Advocate on my behalf ( XXXX missing stimulus money XXXX XXXX and XXXX ), the Tax Payer Advocate misinformed my representatives about the material facts of my filing. 

We would like a full description from Chase about their account validation contract with the Department of Treasury and how it is it implemented? In addition we want our letter to be forwarded to XXXX XXXX to resolve the problems being created to delay our legitimate refund. {$5000.00} plus interest.
Consumer complaint received 2024-10-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO. (NY)

This is a request for information about property tax transactions for my former home at XXXX XXXX XXXX in XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX in connection with mortgage loan number # XXXX. 

Chase Bank XXXX XXXX XXXX XXXX Bank they utilize to pay the County and Town property Tax for homeowners who hold mortgages. I would like proof of the payments made by XXXX XXXX Bank and refunds received if any for the following. 
1. The payer information reported on the XXXX XXXX Report for School Tax XX/XX/XXXX in the amount of {$3200.00} is alleged to have been paid by XXXX XXXX who is credited as payer. Provide proof of payment and refund issue to XXXX XXXX if any were issued. 
XXXX. Provide proof of payments made and refunded to XXXX XXXX XXXX  for the tax periods listed below if any. 

XXXX XXXX XXXX XX/XX/XXXX {$1700.00} School Tax XX/XX/XXXX {$3100.00} XXXX XXXX XXXX XX/XX/XXXX {$1700.00} School Tax XX/XX/XXXX {$3100.00} XXXX XXXX XXXX XX/XX/XXXX {$1500.00} School Tax XX/XX/XXXX {$3100.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$1500.00} School Tax XX/XX/XXXX {$3200.00} XXXX XXXX XXXX Who was the person responsible at the receiver of taxes for processing chase checks issued by XXXX XXXX during this timeframe?
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX