davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I, XXXX XXXX XXXX, want to make it clear that this message is being sent independently and does not represent any third party. Recently, I reviewed my credit report and was distressed to find numerous unverifiable, invalidated, inaccurate, and questionable entries. Your agency, responsible for ensuring the accuracy of consumer reports, has failed in its obligation to ensure the reported information is entirely accurate.
Consumer complaint received 2024-01-27
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. (TX)

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 2021-04-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Atlantic Recovery Solutions LLC (LA)

XX/XX/2021 My identity was stolen when my wallet was stolen with my social security card in it. However this letter accuses me of owing XXXX money when it is impossible for me to owe money for pay-pal, when I have not attempted any credit at all with any company and XXXX said they would not send email to anyone through 3rd party. I told them I was reporting them and think I attempted to start a report but did not finish. I was sent another email this time saying they are official. I told them my identity was stolen and they continued to harass me and possible have put on my credit report and I am trying to get a house. 
Please help. 

Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have not supplied proof under the doctrine of estoppel by silence, Englehardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2024-05-24
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. (NE)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-05-24
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. (NJ)

I'm resubmitting my dispute letter due to lack of resolutions or actions. Again, I have identified that there are unauthorized inquiries on my credit report. The listed inquiries on the letter was without authorization, and for no legitimate business purposes. 

Please delete these inquiries from my credit report. For the company to do what fair and equitable to me as a consumer by deleting the items identifies as Identity theft from my consumer report.
Consumer complaint received 2024-05-31
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. (VA)

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 informationisinaccurate.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

I am writing to formally report that I am a victim of identity theft, which has resulted in several unauthorized activity on my report. I never got a joint loan with XXXX XXXX and I'm a victim and I did not sign or consent to this
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I am writing to formally dispute several items on my credit report that are inaccurate and have been reported in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically : Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1666b it is a billing error. I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bringing the sum of all charges so I can not be penalized for something that is already paid in full.

15 USC 1666b ( 4 ) ( 5 ) - The companys failure to provide statement within 21 days is a violation, please remove late payment ; statement shows positive balance instead of negative which is a billing error and therefore no payment was due ( how can I pay on a positive balance ) Pursuant to 15 USC 1681eb this account is in violation of maximum possible accuracy and 15 USC 1666b for violation of billing error
Consumer complaint received 2023-10-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2023, an unidentified individual unlawfully gained access to my XXXX mobile account and stole my phone number. They proceeded to transfer my phone number to their device, rendering my phone inactive. Subsequently, they used this unauthorized access to compromise my email and bank accounts, culminating in a {$46000.00} wire transfer from my Chase bank account to their XXXX XXXX account. This wire transfer was successful at XXXX, following six prior failed attempts. My realization of this fraudulent activity occurred at XXXX when I attempted to access my Chase app online, only to find it locked due to suspected fraud activity less than an hour after the wire transfer took place. 
In response to this alarming situation, I promptly contacted Chase bank, initiating a claim and wire recall. Regrettably, they were unable to halt the transfer, and the receiving bank has refused to return the funds. At present, my claim has been denied three times and both banks, along with XXXX, have disclaimed any responsibility. 
Taking immediate action, I filed a police report and alerted the FTC and FBI to this incident. I am reaching out to you with the hope that you can assist me in recovering my funds. Your support in this matter would be immensely appreciated.
Consumer complaint received 2024-05-24
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. (SC)

This account was charged off on the following date : XX/XX/XXXX Since then the date of last activity has been inconsistently updated. On Equifax the date last active is ( XX/XX/XXXX ) an an XXXX its ( XX/XX/XXXX ) and on XXXX is ( XX/XX/XXXX ) If the information is coming from the original credtor the dates should be the same. We can not say these account are 100 % accurate so it is deemed INACCURATE. Please delete this account from my report. 
ACCOUNT XXXX
Consumer complaint received 2024-07-17
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: Experian Information Solutions Inc. (CA)

I have been a victim of identity theft for the past years. There have been Fraudulent Items being reported to my Credit Report. FRAUDULENT INQUIRIES : XXXX XXXX XXXX Date of Inquiry : ( XX/XX/XXXX ), XXXX XXXX Date of Inquiry : ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX Date of Inquiry : ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX Date of Inquiry : ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX Date of Inquiry : ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX Date of Inquiry : ( XX/XX/XXXX ), XXXX Date of Inquiry : ( XX/XX/XXXX ), XXXX XXXX XXXX Date of Inquiry : ( XX/XX/XXXX ), XXXX XXXX XXXX Date of Inquiry : ( XX/XX/XXXX ), XXXX XXXX Date of Inquiry : ( XX/XX/XXXX ), XXXX XXXX  Date of Inquiry : ( XX/XX/XXXX ), XXXX XXXX Date of Inquiry : ( XX/XX/XXXX ) , XXXX XXXX XXXX XXXX XXXXXXXX Date of Inquiry : ( XX/XX/XXXX ), XXXX XXXX Date of Inquiry : ( XX/XX/XXXX ) XXXX XXXX XXXX Date of Inquiry : ( XX/XX/XXXX ). I have attached a copy of my ID and FTC report. ( Please see attachments ).
Consumer complaint received 2024-05-24
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. (NC)

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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$1300.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance XXXX {$2500.00} XXXX XXXX XXXX Balance : {$27.00} XXXX XXXX XXXXXXXX Balance : {$5100.00} XXXX XXXXXXXX Balance : {$940.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2400.00}
Consumer complaint received 2024-05-24
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. (NC)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Diversified Adjustment Service, Inc. (CA)

Since the inception of the implied business transaction between myself and said company, they have violated various federal laws that protect consumer privacy and the laws governing securities. They have shared my transaction history without my consent with third parties in violation of 15 USC 6801 ( a ) and the Privacy Act of 1974, have practiced unfair and deceptive practices under 16 CFR 433.2 and 15 USC 1692e both which also include a violation of 18 USC 1341. I was not given ANY opportunity as a federally protected consumer in accordance with 15 USC 6802 ( b ) ( 1 ) ( B ). It is ILLEGAL to report transaction history. 
They were given a chance to rectify the matter by updating any and all transactions to paid as agreed and to compensate me for each violation. They have not responded to date. They are CRIMINALLY liable under 15 USC 1692e, 15 USC 1611, 15 USC 78ff, 18 USC 1341 and any and all other laws that govern securities fraud, and consumer privacy.
Consumer complaint received 2024-06-24
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Solar Mosaic LLC (IL)

A solar company knocked on my door and filed paperwork to see if i could get approved for solar panels and a loan to cover the cost. this was the last i heard from the company, no one will answer my calls, i get hung up on when i do call the XXXX XXXX, and there is a {$12000.00} loan in my name for solar panels that were never installed, never received any type of services from these companies. this is hurting my credit profile as i am not willing to pay on a loan that was a scam for something i never received from companies that will not comply with the law. i have disputed with the credit bureaus with no luck. the representative contact info is no longer in service. no one will give me any paperwork information or contact info for anyone to get this cleared up. this is hurting my credit and has been detrimental to my personal finances. i have attached my credit report dispute showing that the loan is showing on my report as active although i did not receive any solar panels or services.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

According to FCRA 605B, you are required to delete any erroneous accounts from my credit report. This account has been incorrectly reported on my credit file, so it needs to be removed. I should receive {$1000.00} for each mistake on my credit file.
Consumer complaint received 2024-05-24
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. (IL)

I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2023-04-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (GA)

My sole residential property is in active foreclosure, I have submitted an application for mortgage assistance through The Georgia Homeowners Assistance Fund ( HAF ). This fund is managed through the Georgia Department of Consumer Affairs authorized by the federal Rescue Plan Act. In order to submit my application in full and receive mortgage assistance, this state department is requiring my most current mortgage statement. 

I have attempted numerous times to receive a current mortgage statement from the mortgage lender. The mortgage lender has either claimed to have " sent '' my request to a separate department, or have simply refused exclaiming that they will not send me a statement as they are not required to do so during an active foreclosure. Furthermore, the mortgage lender has taken away my online account access claiming that homeowners behind in payments no longer have the right to online access. 

In addition, the mortgage lender also claims that due to the property being in active foreclosure, any request for a current mortgage statement would have to be made to the foreclosure attorney/law firm. I have asked the foreclosure attorney/law firm for the most current mortgage statement in which I am told all mortgage statements need to be requested directly from the mortgage lender. -- To be clear, I have already received a reinstatement balance from the attorney. The document I am needing is the most current mortgage statement. 

I have the right to a current mortgage statement. It is my belief that Amerihome Mortgage is impeding on my rights as a consumer.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

I am writing to formally dispute several items on my credit report that are inaccurate and have been reported in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically : Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2018-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

After two years of being a good paying Capital One Bank Credit Card customer, I had an income decrease as of XX/XX/XXXX due to having to pay for health insurance. I am a single woman in the state of New Jersey, employed full time, technically poverty level income. 

I contacted Capital One in XX/XX/XXXX to inform them of my income decrease, and to request help on one of two credit cards I have open with them, one with a limit of {$1900.00} with an interest rate of 21.49 %. 

I requested deferred payment and was denied. 
I requested lower interest rates and was denied. 

After falling 5 months behind, I was able to catch up with a gift given to me on XX/XX/XXXX,  because emails from Capital One said they would be willing to work with me. 

I called and paid on XX/XX/XXXX and requested a lower interest rate. I was told maybe in the future. 

Please help me find a way to get these interest rates lowered. 

Thank you.