davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-25
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)

I would like to address the crucial regulations safeguarding consumers under the Fair Credit Reporting Act ( FCRA ). These regulations ensure equitable treatment, privacy protection, and accuracy of credit information. Section 602 ( a ) of the FCRA mandates that entities collecting and reporting consumer information must adhere to principles of fairness, neutrality, and privacy, encompassing well-known entities like Equifax, XXXX, and XXXX. As an individual subject to their data collection, I retain the right to safeguard my privacy. Furthermore, Section 6801 reinforces Congress 's intent for financial institutions supplying data to credit agencies to uphold the security of personal information.

The FCRA also outlines the necessity for written consent prior to the dissemination of consumer information by credit agencies, as delineated in Section 604 ( a ) ( 2 ). However, I have not provided written consent to Equifax, XXXX, or XXXX, contravening this requirement. Moreover, Section 6802 ( b ) ( c ) stipulates that financial institutions must inform consumers of their right to opt out of information sharing, a requirement that has not been fulfilled in my case.

Equifax, XXXX, and XXXX have reported adverse information about me without obtaining my consent, a violation of Section 1681C ( a ) ( 5 ) of the FCRA. Additionally, Section 1681s2 ( A ) ( 1 ) prohibits the dissemination of knowingly inaccurate information, which appears to have occurred in this instance.

Furthermore, the FCRA mandates that these entities establish robust procedures to ensure compliance with the law, as outlined in Section 1681e. Unfortunately, it appears that Equifax, XXXX, and XXXX have failed to implement adequate measures, resulting in inaccurate information being included in my credit report.

Consequently, I am formally requesting that they cease sharing my information, as permitted by 12 CFR 1016.7. Additionally, I demand the immediate removal of all erroneous entries from my credit report. Failure to adhere to these requests may warrant legal action for willful non-compliance with FCRA regulations. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-12
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. (NJ)

this is the complaint for incorrect accounts in XXXX, and TransUnion the bureau ignored my complaints. I need this to remove in my file. 

XXXX XXXX XXXX Bankruptcy XXXX Court : XXXX XXXX CT NJ XXXX TransUnion XXXX XXXX Bankruptcy XXXX Court : XXXX Bankruptcy XXXX
Consumer complaint received 2023-05-01
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (DE)

Summary of events On XX/XX/XXXX I opened a Home Equity Line of Credit with XXXX XXXX On XX/XX/XXXX I received and cashed a {$50000.00} disbursement check from XXXX XXXX into my XXXX XXXX XXXXXXXX checking account On about XX/XX/XXXX I was called from who appeared to be a Chase Bank ( on the caller ID ) and was questioned about the check, I did not provide any information other than telling them there was no authorization for Chase to have this check and that I had previously cashed it already. 
On XX/XX/XXXX my XXXX XXXX XXXXXXXX checking account was adjusted for what I was told is a duplicate deposit of the XX/XX/XXXX posting, I was told that XXXX had the rights to the check since they were the issuer and they needed to proceed with any type of claim at this point. 
Upon further research into the matter with XXXXXXXX XXXX I was told that XXXX XXXX XXXXXXXX was successfully paid on XX/XX/XXXX and that the check was presented a 2nd time at a Chase bank on XX/XX/XXXX. XXXX will not definitely say if they allowed the check to be cashed the 2nd time. 
I am getting conflicting information on who retracted the funds from my account, XXXX XXXX XXXX says JP Morgan Chase and XXXX says XXXX XXXX  XXXX or JP Morgan chase needs to be involved. 
JP Morgan Chase will not tell me anything and I am powerless at this point to do anything further which is why I switched my direct deposit from XXXX to XXXXXXXX XXXX. 
My checking account at XXXX is currently in deficit of {$35000.00} and XXXX XXXX XXXX refuses to open a claim no matter who I speak with, they claim I need to go through XXXX for wrongfully disbursed funds and they are going to close my account on XX/XX/XXXX if I don't bring it to a XXXX balance immediately.
Consumer complaint received 2024-01-26
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)

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 2024-04-25
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (SC)

Equifax has been sharing my locked credit profile with XXXX XXXX without my consent. My credit profile has been locked for years. Equifax has no right to share my private personal financial information with XXXX XXXX  without my consent. This is not the first time Equifax has shared my private, personal credit profile with XXXX XXXX  while my credit profile was locked. It resulted in XXXX XXXX  reducing my overall credit limits on my credit cards and taking away my ability for cash advances because of the information they proactively received from Equifax. This is unlawful while my credit profile is blacked. That is the whole purpose of locking my credit profile so that I do not have unsolicited sharing of my personal information.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-26
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)

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 15 USC 1681. 

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 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting 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 which antedates the report by more than seven years. 

15 U.S.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 2023-02-15
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. (PA)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEM I NEED DELETED IS LISTED IN THE REPORT I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THIS ITEM TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION.
Consumer complaint received 2023-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma (CA)

I filed a dispute on XX/XX/23. 
Credit Karma have me a due date of XX/XX/23. 
Credit Karma declined my dispute before the due date on XX/XX/23. 

Credit Karma is refusing to provide me in writing there reason for declining my dispute. They said verbally that it was declined because I did not send in the documentation before the due date. But looking at the dates in this complaint you can see that their statement why they declined my dispute is false. 

My past experiences with how they handle disputes is corrupt and that they don't follow federal regulations. They only want to make verbal statements, refuse to provide statements in writing. 
They don't provide documentation or contact information for their department that handles the disputes. I have a legal right to due process and they are violating federal guidelines by not providing documentation, requested documentation or verification that your dispute is even being investigated. They don't want to provide Any verification. I believe that my dispute was never investigated because they did not provide any documentation and they declined it before the due date. And now they are ignoring my requests for documentation to show why they declined my dispute or documentation to verify that it was even in investigated. 
They should not be allowed to handle peoples money it's a breach of fiduciary responsibility and federal guidelines.
Consumer complaint received 2024-07-18
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CNG FINANCIAL CORPORATION (KS)

Have previously tried to locate and pay all outstanding loans. Was told there were no more. Received a phone call from " XXXX XXXX out of XXXX Georgia '' saying they would take me to court over a bad debt from Check N Go from XXXX KS. They claimed a payment we made in XXXX  " reopened the case '' but we made no such payment. The initial contact was with my husband via text message. We believe this to be scammers but didn't know if there was a way to track things back to their original source. He responded to the text message by calling the number in the text. They then looped me in to a 3 way call. The person on the phone did not identify himself and threatened us with legal action. The phone number the person called from was a spoofed number with a local area code on it ( XXXX XXXX KS ). When my boss called the number back from her phone, the woman answering stated she was with XXXX XXXX When asked if she was located in XXXX XXXX KS she state she was in XXXX Georgia. She asked for my boss 's phone number because my boss claimed she had missed a call from them. The lady reported the call must have been in error because her number wasn't " in their system '' and when my boss tried to further question about their business, the woman hung up on her.
Consumer complaint received 2024-04-27
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. (GA)

Further to my previous correspondence regarding the disputed late payment entry on my credit report, I am writing to emphasize the urgency of reinvestigating this matter and to underscore the potential consequences of inaction on your part. As previously stated, the inclusion of an erroneous late payment entry attributed to my XXXX XXXX XXXX XXXX account for the month of [ XXXX ] has had a profoundly adverse impact on my creditworthiness and financial standing. 
Despite the gravity of this issue and the imperative need for its resolution, I have not yet received confirmation of any action taken to rectify the erroneous entry on my credit report. This lack of response and apparent delay in addressing the matter is unacceptable and fails to reflect the urgency and seriousness of the situation at hand. 
In light of the continued failure to resolve this dispute in a timely manner, I wish to reiterate my intention to close my account with the aforementioned creditor and explore alternative offers from other creditors. It is evident that the present circumstances require immediate action to mitigate the harm caused by the inaccurate reporting on my credit profile.
Consumer complaint received 2023-04-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. ()

My mother has XXXX, she is also XXXX, Chase bank refuses to honor my Californian POA which she had a lawyer draw up in the late XXXX 's Chase bank said that a POA isn't good enough, that i need a form signed by her saying she understands what a POA is well that's a hard thing to do, she is so far down that XXXX XXXX XXXX, she understands nothing now, plus by law she can't sign anything, i have a paper from her doctor saying that, i need to be in charge of all of her accounts to make her end of life better, but Chase bank says no we can't help you, so after her passing i will go down to the nears Chase with her death certificate and close every account plus pass out papers saying how evil Chase bank is
Consumer complaint received 2024-04-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (WA)

I applied for a SAVE repayment plan on studentaid.gov, and should have a {$0.00} payment according to their site but when they sent my application to Mohela, Mohela changed me to an IC plan and want {$250.00} a month, which I can not afford. I have tried several times to call, but I could not get ahold of anyone. Their site would not let me send a message for this type of issue.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Due to the Privacy Act of 1974 The laws I will post represent the Inquirys that must be removed immediately!! 
From all 3 credit profiles XXXX Equifax XXXX you can see that the XXXX dont match up So here are the laws! 


Hard Inquiries ( 15 U.S. Code 1602p ) from all 3 Late Payments ( 15 U.S. Code 1666b ) from all 3 Charge Off 's ( 15 U.S. Code 1601 ) means certificate of in debitness that means money So I need all these that are charged off to say paid as agreed Repossessions ( 15 U.S. Code 1601 ) I also see yall still have non mailable address on there they must be removed!!!

All this must be removed my credit should not have any inquirys or anything old on my credit that hurts it Also will send law suit if its not handled they owe me for all the times I got denied!
Consumer complaint received 2024-01-11
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. (MO)

The banks are in violation of 15 U.S. Code 1681n for willful noncompliance of the FCRA. In accordance with the Fair Credit Reporting Act, the banks have violated my rights under 15 U.S. Code 1681 ( a ) ( 4 ) it states that I have the right to privacy. 15 U.S.C. 1681 ( a ) ( 2 ) Credit reporting agencies can not furnish an account without my written instruction, under 15 U.S. Code 1666 ( b ), The banks may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 U.S. Code 1681a, ( 2 ) ( A ) ( i ) my credit report must not include information on my transactions or experiences between me and the banks. 15 U.S. Code 6802 ( b ) Opting out, the banks must clearly and conspicuously disclose to me, in writing or in electronic form or other form permitted by the regulations that such information may be disclosed to Credit reporting agencies and I am given the opportunity, before the time that my information is initially disclosed, to direct that such information not be disclosed to credit reporting agencies ; and I am given an explanation of how I can exercise my nondisclosure option.

Per 12 U.S. Code 1431, Powers and duties of banks, is to borrow money, issuing bonds and debentures. According to the doctrine of ultra vires the banks claim I owe money is in violation of their corporate charters. A loan is a Deposit of Money by A Customer with Banker ; XXXX XXXX XXXX XXXX. These banks on my credit report are acting in fraudulent violation of doctrine of ultra vires never provided disclosure that when I applied for the loan or credit, that I was actually providing the value in the transaction per Federal Reserve Act, Section 16, number 1 & 2.

" Any false representation of material facts made with knowledge of falsity and with intent that it shall be acted on by another in entering into contract, and which is so acted upon, constitutes 'fraud, ' and entitles party deceived to avoid contract or recover damages. 'XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-28
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I was unaware Kohls closed my account I asked If they can reopen it so that I can use it they said I would have to apply again my kohls card was one of my oldest revolving accounts and applying again would not be helpful to building my credit.
Consumer complaint received 2024-04-27
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. (PR)

For the last time I address this significant repeating concerns regarding the accuracy of my credit report Still failure to positively comply these accounts evidences and continuing hurting my ability to obtain credit.Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 

15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liabilityIn multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as paid on time. 

1. This account payment history is and error and in violation under 15 U.S. Code 1666 ( b ) billing error XXXX  Account Number : XXXX Update to Paid on time on payment history and never been late Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report. 
Please update my credit report as per law abiding accuracy of data. 
Please make all listed below update or deleted in my credit report!
Consumer complaint received 2023-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I have repeatedly via phone and with 30 certified letter and letters us mail to remove credit alerts! They have cost me credit because they either have no phone number or an incorrect one. Now they do have the right number but I asked them to take the alert down. I am not the person who put it there. I have a stalker local to where I live and he put it in there. This has to stop so I want it out
Consumer complaint received 2024-01-11
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX United States. 

Dear : whomever who is reading this I hope this letter finds you well. I am writing to officially communicate my decision to opt out of any and all authorizations, whether written, unwritten, or verbal, in accordance with the Fair Credit Reporting Act ( FCRA ), as a protected federal consumer.

As per 15 USC 6802, I am exercising my right to revoke any authorization that may have been previously given, and I request that you cease any further use or disclosure of my information in this regard.

Please acknowledge this request and confirm in writing that my decision to opt out has been duly noted and implemented. I appreciate your prompt attention to this matter.

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In XXXX of XXXX after reviewing each month of my statements digitally I noticed charges made on my merchant named XXXX XXXX XXXX XX/XX/XXXX at the time my card number ended in XXXX for my business card.. The business name is XXXX of XXXX XXXX XXXX. I reported it to Bank of America and at this time no resolution so I completed an ftc report to assist with my complaint of identity theft.