davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2024-05-14
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. (AL)

there is an inquiry in my report that i don't recognize. This is fraud and i wanted to have it removed. I have been disputing this since last year. Kindly remove it thank you : XXXX XXXX XXXX inquiry date XX/XX/year>2022 2022
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I am writing to challenge the reporting and compliance of my credit report. 

I REQUEST THAT ALL FRAUDULENT ACCOUNT LISTED IN MY FTC REPORT BE REMOVED FROM MY CREDIT REPORT. 

These accounts should not be furthed on my consumer report as they are in VIOLATION Under, 15 US Code 1681b Permissible purposes of consumer reports ( A ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer repert under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN instructions of the consumer to whom it relates.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6802 - requires by law to
provided the consumer with ( 3 ) disclosures 15 USC 6802 ( b ). ( b ) OPT OUT ( 1 ) IN GENERAL - financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunit
y, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I am herby requesting to be mailed the WRITTEN proof of all above disclosures required by Federal Law. 
I have never given any consumer reporting agent WRITTEN CONSENT to report anything on my consumer report, which violates my rights a Federal consumer.

I request all ( 3 ) disclosures from ALL LISTED companies! If the disclosures can not be provided, then I request the IMMEDIATE DELETION OF THESE ACCOUNTS FROM MY CONSUMER REPORT NO CONSENT IS IDENTITY THEFT. I REQUEST THAT THESE ACCOUNTS BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY!

15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of.

I am a victim of identity theft!! Please delete all ACCOUNTS mentioned in my FTC report off my credit report.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the XXXX XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Account # XXXX 15 U.S. Code 1681e ( b ) - Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Transunion fail to assure maximum possible accuracy on my credit report. This account is reporting as a paid charge off which is inaccurate. In the United States, federal regulations require creditors to charge off installment loans after 120 days of delinquency. It's impossible for this account to be reporting as a charge off in the month of XXXX, when I was on time previously months before. For this account to be charge off it should be reporting - XXXX, and XXXX and its not. There's no late payment or past due on this account. I attached the paid in full letter, payment history, and my Transunion credit report to this complaint.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Equifax shows information on my credit report that doesn't belong to me this unbelievable I've had my identity stolen from my car when I was XXXX years old. This concern is pertaining to XXXX XXXX XXXX the report shows that I owe {$3600.00} not sure what the exact amount was that I saw I'd have to go back and look but I've written a letter for them Tuesday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, I received a copy of my credit report and am writing to dispute the following information that appears on my Equifax report XXXX 

Please verify or remove immediately the following accounts : XXXX XXXX XXXXXXXX XXXX XXXX I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (PA)

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite XXXX-day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Employer - XXXXXXXX XXXX Employer - XXXX XXXX XXXX Incorrect Name : - XXXXXXXX XXXX  XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX AV, XXXX, PA, XXXX Employer - XXXX XXXX  Incorrect DOB : - XXXX Listed below are the Accounts that are being challenged XXXX - XXXX XXXX XXXXXXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX - XXXX XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXX - XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2023-05-02
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: V and H Portfolio (CA)

This company has been saying that I owe money to them but I never did ANY BUSINESS with them. I even reach out and they told me over the phone that I didnt have an account with them. But all the sudden I have someone reporting items on my account that is not accurate. I have never did business with XXXX XXXX. Thats the name of the company that I was told by the person helping me fix my credit. I am a victim of identity theft
Consumer complaint received 2024-05-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

Timely payments are always a priority for me, and I am certain about this. However, I am unsure why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing error should be corrected, or they will be liable to pay me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2021-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (MO)

Signed up for CitiBank prepaid credit card, received the card. Tried to connect card to mobile wallet, they didnt send verification code. Called customer Service, and they advised that they would send a letter to my address. Tried to use card, and fraud alert prevented use. Called customer service, and they asked for a family member phone number, but said I am not connected to any of my family members, so they can not verify my information. I cant use my card whatsoever. My prepaid funds are trapped in a card I cant use, and customer service is no help at all.
Consumer complaint received 2018-12-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BBVA FINANCIAL CORPORATION (GA)

I CALLED SIMPLE BANK ON TUESDAY XXXX  XXXX  AND SPOKE TO CUSTOMER SERVICE REGARDING NUMEROUS TRANSACTIONS IN VARYING AMOUNTS THAT ARE BEING WITHDRAWN FROM MY ACCOUNT ON A DAILY BASIS. I DO NOT KNOW WHY THIS COMPANY HAS WITHDRAWN FUNDS FROM MY CHECKING ACCOUNT FOR SEVERAL MONTHS ON A CONTINUOUS BASIS. I FOUND THEIR WEBSITE APPROXIMATELY 3 WEEKS AGO AND TRIED TO FIND A CONTACT NUMBER FOR THEM. THERE IS NO WAY OF REACHING THEM BY PHONE, HOWEVER, I CONTACTED THEIR CUSTOMER SERVICE VIA EMAIL AND DEMANDED THEY STOP TAKING MONEY FROM MY ACCOUNT AND THAT THEY RETURN THE MONEY ALREADY WITHDRAWN IMMEDIATELY. I HAVE NOT HEARD BACK FROM THEM AND THEY CONTINUE TO DEPLETE MY FUNDS REGULARLY. THEIR WEBSITE SAYS THEY HAVE TAKEN THE MONEY OUT AND PLACED IN A SAVINGS ACCOUNT SOMEWHERE AND THAT IT IS FDIC INSURED BUT I DON'T KNOW WHERE THE MONEY IS, I CAN NOT REACH THE COMPANY AND I WANT ALL {$370.00} BACK IN MY ACCOUNT IMMEDIATELY!!! I EXPRESSED TO THE SIMPLE REP LAST WEEK THAT I NEEDED THIS HANDLED IMMEDIATELY YET IT TOOK OVER TWO WEEKS TO HEAR BACK FROM SIMPLE 'S DISPUTE DEPT, THEY NEVER CALLED TO ASK ANY QUESTIONS OR ANYTHING AND THEN ON XX/XX/18 I RECEIVED A MESSAGE FROM THEM STATING NO ERROR OCCURRED AND THEY WERE DENYING MY DISPUTE. I WAS TOLD THEY COULD NOT STOP THE TRANSACTIONS BECAUSE THEY WERE OF " VARYING AMOUNTS ''???? THE FUNDS HAVE NOT BEEN CREDITED BACK TO MY ACCOUNT BY THE COMPANY EITHER, INSTEAD, MORE MONEY HAS BEEN WITHDRAWN UNTIL I HAVE ONLY {$1.00} IN MY ACCOUNT. I DEMAND A CREDIT IMMEDIATELY IN THE AMOUNT OF {$370.00} AND I WANT THESE WITHDRAWALS TO STOP PERMANENTLY. I HAVE HAD PROBLEMS WITH DISPUTES IN THE PAST AND I AM NOT WILLING TO WAIT MONTHS AND MONTHS LIKE BEFORE TO GET MY MONEY BACK. I AM ELDERLY AND LIVE ON A FIXED INCOME SO TIME IS OF THE ESSENCE. XXXX XXXX WEBSITE IS XXXX XXXX XXXX THIS WAS COPIED AND PASTED FROM THEIR WEBSITE : " Do I need a savings account? 
Nope. When you sign up for XXXX you get your own XXXX account which will hold any XXXX savings until withdrawn. Any funds held in your XXXX account are FDIC insured up to a balance of {$250000.00}. '' **This chart details expected arrival to your checking account when you create a XXXX withdrawal based on the day of the week and the time in which you created the transfer. ( If you bank with XXXX or XXXX XXXX, please refer to the second chart below ) *Please note, estimates are in PST, and may vary slightly based on when your bank distributes funds to your account. 
Transfer Created On Before XXXX PST Arrives After XXXX PST Arrives Monday Tuesday Morning Wednesday Morning Tuesday Wednesday Morning Thursday Morning Wednesday Thursday Morning Friday Morning Thursday Friday Morning Monday Morning Friday Monday Morning Tuesday Morning Saturday Tuesday Morning Tuesday Morning Sunday Tuesday Morning Tuesday Morning PLEASE HELP ME GET MY FUNDS BACK. THIS HAS BEEN AN EXTREME BURDEN ON ME, THANK YOU!
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

PLEASE HELP ME CORRECT THESE ITEMS AND HAVE A PROPER INVESTIGATION ON THESE ACCOUNTS.

late payment inaccurate
XXXX  XXXX  Account Number: XXXX
15 USC 1666b of the U.S. Code states that a creditor cannot mark a credit card payment as late unless they
have taken reasonable steps to ensure the consumer receives their periodic statement at least 21 days before
the payment is due. The statement must include the information required by section 1637(b) of this title.

late payment inaccurate
XXXX  XXXX  XXXX  Account Number: XXXX  15 USC 1666b of the U.S. Code states that a creditor cannot mark a credit card payment as late unless they
have taken reasonable steps to ensure the consumer receives their periodic statement at least 21 days before
the payment is due. The statement must include the information required by section 1637(b) of this title.
late payment inaccurate

XXXX XXXX XXXX XXXX
Account Number: XXXX
15 USC 1666b of the U.S. Code states that a creditor cannot mark a credit card payment as late unless they
have taken reasonable steps to ensure the consumer receives their periodic statement at least 21 days before
the payment is due. The statement must include the information required by section 1637(b) of this title.

late payment inaccurate
XXXX XXXX XXXX  Account Number: XXXX  15 USC 1666b of the U.S. Code states that a creditor cannot mark a credit card payment as late unless they
have taken reasonable steps to ensure the consumer receives their periodic statement at least 21 days before
the payment is due. The statement must include the information required by section 1637(b) of this title.

late payment inaccurate
XXXX XXXX XXXX
Account Number: XXXX XXXX USC 1666b of the U.S. Code states that a creditor cannot mark a credit card payment as late unless they
have taken reasonable steps to ensure the consumer receives their periodic statement at least 21 days before
the payment is due. The statement must include the information required by section 1637(b) of this title.
In accordance with the Fair Credit Reporting Act, I hereby request that these items be thoroughly investigated
and promptly removed from my report. It is my understanding that you are required to verify these items with
Consumer complaint received 2023-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (FL)

Chase Bank was notified via document upload and through registered mail delivered today to their registered agent in the state of Florida that they have 30 days to refund my money pertaining to dispute XXXX. If I'm not refunded in 30 days, small claims court and/or arbitration will be initiated. A purchase was made with my Chase credit card, and Chase denied my dispute despite never, and to this date, having received anything from the merchant, and the merchant confirming order was not fulfilled and them being unable to issue refund. This noticed is being sent to Chase as further evidence to be used in court that they were properly served and notified. And hopefully government employees monitoring bank compliance can read this and realize Chase bank is not investigating disputes correctly and shifting the responsibility to customers. This issue was also reported to the Federal Trade Commission. Furthermore, a notice was sent to Chase requesting all internal information and communication pertaining my dispute to be used in court. To any government employee monitoring this, Chase 's Executive Office doesn't do anything. They send a copy and paste answer and never address the concerns.
Consumer complaint received 2023-06-20
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. (CA)

This is my follow-up endeavor 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 items 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-15
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. (CO)

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX
Consumer complaint received 2024-05-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (CA)

In addition to my earlier complaint against Rushmore Servicing : The documents attached show : 1. Rushmore Servicing assumed my mortgage with mandatory tax and insurance XXXX impound account on XXXX XX/XX/XXXX. 

XXXX. XXXX XXXX property taxes were due on the property in XXXX and XXXX. 

3. Rushmore Servicing paid the XX/XX/XXXX taxes over 1 month late, incurring a penalty of {$140.00} plus a {$20.00} fee. 

4. Rushmore has never paid the XX/XX/XXXX taxes, incurring another penalty of {$140.00} plus a {$20.00} fee ( for a total of {$330.00} ).
Consumer complaint received 2022-12-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX : {$71.00}