davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Im just wondering when you guys will decide to finally update my XXXX account To reflect the correct balance. XXXX sent out the report about XXXX weeks ago on all XXXX cards, you finally updated XXXX out of XXXX, but still REFUSE to update the card that had a 100 % utilization with a {$13000.00} balance. Ive paid down the balance down {$6400.00} which significantly improves my score since its now under 50 % utilization. But because of this refusal to update Im unable to proceed with my MORTGAGE application. All other bureaus have updated this info since XXXX weeks ago, why does it take you so long to fix or update information that are favorable to the consumer? Whats the gain in it for you? Please advise.
Consumer complaint received 2024-06-27
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. (IL)

I am asserting my right to dispute and investigate these erroneously reported accounts on my credit file. According to the Fair Credit Reporting Act, I should be compensated {$1000.00} for each incorrect entry. I know that FCRA 605B obligates us to report any incorrect accounts on a consumer 's report.
Consumer complaint received 2024-05-29
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. (IL)

According to FCRA 605B, we must eliminate any incorrect accounts from my credit report. These accounts contain reporting errors. I should be compensated {$1000.00} for every inaccurate report on my credit file.
Consumer complaint received 2024-05-28
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)

Absolutely no disputes are to be entered from this complaint. This is just me providing my documentation to you once again. Tbe issue isnt the lender not reporting like XXXX lead to believe. Absolutely not possible when month after month other CRA reports never have this problem yet repeatedly this report does. 

Absolutely no disputes are to be entered My credit file has been messed up dating back to my knowledge at least around XX/XX/XXXX. 

Ive exhausted myself in every possible way to explain what I see vers what ultimately gets reported out etc. Ive tried mailing documents showing everything with no follow up action or results. Ive spent countless hours on tbe phone with this agency seeking help. Repeatly told a XXXX would call. To this date that has never happened. Ive repeated requested a file review of everything from top to bottom given massive time frame itll take to only learn once that window comes and goes that there isnt a time frame on this. Ultimately its never been done. I last requested such on XX/XX/XXXX here we are a month out and truthfully the issue today is by far the worse its ever been.
Consumer complaint received 2024-05-29
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)

My name is XXXX XXXX and I currently reside at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. My date of birth is XX/XX/XXXX and my Social Security Number is XXXX. I am writing to you regarding a few discrepancies I have encountered in my credit report. I am a victim of identity theft and I need your help to remove this fraudulent account. While checking my credit report, I noticed account, I did not authorize was made by the following that I will be listed below. I did not authorize any of these employers/employees at these companies to approve or view my credit report. This is a serious breach of my privacy rights and violates the Fair Credit Reporting Act 605B. I would like to request that these accounts and addresses be immediately removed from my credit file that Equifax has under my Social Security Number. I am requesting that you place an immediate block on the following fraudulent information in my credit file within 4 days of receipt of this correspondence. Please block this fraudulent information per section 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. 
FROUDULENT COLLECTION ACCOUNT! 
XXXX XXXX  Balance : {$1000.00} Balance updated : XX/XX/XXXX Original balance : {$1000.00} Account number : XXXX Date opened : XX/XX/XXXX Account type : Open Account Status : - Status updated : XX/XX/XXXX 2024
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

According to the Family Educational Rights and Privacy Act my student education records are to be privately protected. Per the 15 U.S. Code 1681 ( a ), " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Experian, XXXX, XXXX have violated my right to privacy by furnishing information to the Department of Education. In accordance with 15 U.S Code 1681 ( b ) permissible purposes of consumer reports my written consent is needed to add anything to my consumer reports. This is a violation of the Fair Credit Reporting Act. Any and all consent to the U.S Department of Education as well as XXXX, Experian, XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under 1681b of this title. '' XXXX, Experian, and XXXX are not maintaining reasonal procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXXXXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$800.00} ; XXXX XXXX XXXXXXXX Balance : {$470.00} ; XXXX XXXX XXXX Balance : {$220.00} ; XXXX XXXX ED/DEPT XXXX Balance : {$0.00} XXXX U S DEPT OF EDXXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX U S DEPT OF EDXXXX ( Original creditor XXXX XXXX ) XXXX Balance : {$7500.00} XXXX U S DEPT OF EDXXXX ( Original creditor XXXX XXXX  ) XXXX Balance : {$3900.00} ; U S DEPT OF EDXXXX XXXX Original creditor XXXX XXXX  ) XXXX Balance : {$7100.00} ; U S DEPT OF EDXXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$1600.00} ; U S DEPT OF EDXXXX ( Original creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$4000.00} ; U S DEPT OF EDXXXX ( Original creditor XXXX XXXX ) XXXX Balance XXXX {$1100.00} XXXX XXXX XXXX XXXX Balance : {$2200.00} ; XXXX, XXXX ( Original creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} ; XXXX XXXX XXXX  ( Original creditor XXXX ) XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX, XXXX.
Consumer complaint received 2024-08-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (CA)

XX/XX/XXXX Transaction number " XXXX '' ===== XX/XX/XXXX Completed XXXX XXXX XXXX, XXXX. 
" consultation '' {$400.00} Contacted XXXX Bank : to request a refund from a bad merchant. Claims that XXXX does not have any capability to request a refund. 

Contacted Zelle : claims that all inquiry needs to be communicated through XXXX, and refuses to address or provide any support.
Consumer complaint received 2024-05-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (MN)

I bought a flight on XXXX The website for XXXX  XXXX and XXXX state that if you purchase a checked bag online it is cheaper than adding it and paying for it at the airport. So I saw it was for {$41.00} to add a checked bag. So I paid the {$41.00} for the bag and paid for the flight. However at the airport XXXX  XXXX says that they did not add the checked bag to my fiancs reservation. When he called me I said show them the email. I called the XXXX and they were not able to give me a reason that the bag was not added. My fianc had to pay {$110.00}! To check the same bag at the airport. Now Chase is denying my claim to get the {$110.00} back because we already paid for the bag. After I filed the claim I saw that they messed up the claim and said it was for more money. I called the claims department and reported that no, it was only {$110.00} we were disputing because that was the bag fee we already paid for. Then I got an email from the company saying that they were going to refund the {$41.00}. So again I called XXXX to tell them to take the {$41.00} out of my account because the provision credit was {$110.00} not {$41.00}. Why would I accept a {$41.00} credit when I played by the rules and paid for the baggage ahead of time and then get charged {$110.00} at the airport? No, I want my {$110.00} back, I did what I was supposed to do. Next Chase asked for more information. So I sent the information showing that my fianc ( who is also a Chase customer ) added money to his XXXX XXXX from his Chase account and then had to use his XXXX  XXXX  account to pay the {$110.00}. Now a major problem I have is I called the dispute department for something different and I told them the situation. I asked them how we should file the dispute because I was about to call and get him on the line because it made sense to me to dispute the {$110.00} claim from the money he added to XXXX XXXX from his Chase account BUT they said no, you can dispute the claim on your account and I asked if they were sure. I could have just done it on his account and used my documents where I paid for the baggage already. Oh yeah they said and now its denied.
Consumer complaint received 2024-05-28
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. (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 informationisinaccurate.
Consumer complaint received 2020-06-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANCO POPULAR DE PUERTO RICO (PR)

On or about XX/XX/2020, Banco Popular de Puerto Rico ( Popular , XXXX ) through its small business specialist, XXXX XXXX XXXX, forced me to close my business checking account -- I did so under duress. 

Mr. XXXX XXXX accused me of check kiting, which was not true. When I attempted to inform him of the banking error caused by COVID-19, which caused a mobile deposit reversal, XXXX threatened to keep the account restricted indefinitely unless I closed the business checking account same day. He knew that I recently received a PPP loan deposit and that I needed the funds to cover payroll. 

I did not know what to do and felt the banker coerced me to close the account. If I didn't then I would not have gotten my money back.
Consumer complaint received 2024-06-27
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 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-05-28
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. (GA)

The following accounts did not provide property notice prior to furnishing negative information to credit reporting agencies and I am requesting these account to be removed promptly. According the fair credit reporting act 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( B ) Time of Notice ( i ) In general. The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 
( ii ) Coordination with new account disclosures. If the notice is provided to the customer prior to furnishing the negative information to a consumer reporting agency, the notice may not be included in the initial disclosures provided under section 127 ( a ) of the Truth in Lending Act. 
92 623 - 15 U.S.C. 1681s-2 ( C ) Coordination with other disclosures. The notice required under subparagraph ( A ) ( i ) may be included on or with any notice of default, any billing statement, or any other materials provided to the customer; and ( ii ) must be clear and conspicuous. 
See also 12 CFR Part 222, App B 70 Fed. Reg. 33281 ( XX/XX/04 ) The following accounts violate the above law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-29
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. (NC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NY)

Mortgage lender has tried over a dozen times to pull my report and keeps running into a bureau remark that states ''Information from your inquiry has been identified as potentially fraudulent or misused, therefore the credit report is not available for delivery ''. I've called XXXX numerous of times and they keep stating that the information enter is correct and there isn't nothing stopping the lender from getting the report. I've seen online that there has been many cases with people that have had this same issue with just XXXX.
Consumer complaint received 2023-05-15
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: Experian Information Solutions Inc. (AL)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 an 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 2024-05-28
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Finding an error indicating a late payment on my account is distressing, especially considering my history of consistently meeting payment deadlines. This discrepancy is causing unwarranted anxiety, and I urge you to rectify the situation promptly by updating my records accordingly.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-05-28
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. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated this things in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). Please verify that the account is XXXX percent true, accurate, and correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct this account immediately : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-29
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. (PA)

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 any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX XXXX XXXX : {$3300.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1900.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXXXXXX Balance : {$980.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} AXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$1000.00} XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} CAPITAL XXXX XXXX Balance : {$0.00} DISCOVERBANK XXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX po box XXXX XXXX, NJ XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX XXXX Balance : {$3300.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX : {$1900.00} XXXX XXXX XXXXXXXX Balance : {$980.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} Chapter XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX