davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-09
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. (NM)

Dear XXXX XXXX, I am sending this letter to inform you that I have filed a 1099 due to a recent credit report checking that showed my account being charged off since XX/XX/year>. 
After the finding of the charge off on my credit report, I have since sent a letter to the branch at XXXX XXXX XXXX XXXX and have attached a copy of such letter for your viewing. I have filed with the IRS, the CFPB, and I have also sent this information to the bureaus. 
As I have stated in the attached letter to the XXXX XXXX, I am requesting that the account be removed from my credit report within ten ( 10 ) business days from the date stated above of this notice. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-03-11
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: EQUIFAX, INC. (GA)

Under 15 U.S Code 1691b Permissible purposes of consumer report. I never gave you any written consent to report anything on my consumer reports. No consent is identity theft.

Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report. These accounts below are in violation.Any credit transaction supposed to be excluded from a consumer credit report. if a Social Security card was used in the transaction.

15 U.S.C 1681S-2 ( A ) ( 1 ) ( E ) ( I ) Rehabilitation of private education loans, These loans below has completed the rehabilitation process, DELETE NOW 1. U S Department of Education XX/XX/XXXX all 12 accounts for different amounts. 
2. XXXX  XXXX has 10 accounts XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-06-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

Hello, So I received a letter in the mail from my banking institution ( Chase ) stating they are closing my checking and saving accounts and canceling all 3 of my credit cards. I have been with chase for almost 23 years, and I am completely baffled by this. this is a major inconvenience and could affect my credit scores because they are closing my credit cards. I am in the financial industry for almost decade now and I pride myself on having excellent credit. my job could be negatively impacted by this decision chase has made. the only reason I can think of why they would close my accounts is the amount of money that was being spent from my accounts in the past year. otherwise, I have been an excellent member of Chase for 23 years and I have excellent credit and make excellent money. this decision is just absolutely absurd, and I really wish they would reverse this decision. I don't know what else to do here but this is just not right.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I suspect that a conspirator is forcing a complaint filed against a credit reporting bureau at the CFPB or other consumer reporting agencies., by victims., crime targets and/or scam targets like me to benefit something out of the process for itself. I am not at liberty to mention anything at all., because of a new trend of retaliatory acts and/or practices that claim " Verbiage '' as their defence. What are they trying to spark? The company is not registered at the CFPB. It is called XXXX XXXX XXXX. It accessed my report without my inquiry., and/or any authorization. Does the constitution constitute some sovereign or individual right to another individual to own another individual as property and get away with it in broad day light?
Consumer complaint received 2024-04-26
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: Experian Information Solutions Inc. (FL)

I must express my concern regarding compliance with the Fair Credit Reporting Act during the examination process of Experian and XXXX Credit Bureaus. It appears that the following accounts require further attention to ensure the utmost accuracy in my credit file. Thus, I kindly request another investigation specifically for the following accounts : XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXXXXXX I firmly believe that the information concerning these accounts are entirely inaccurate. Throughout the duration of these accounts, I have consistently made timely payments, and my records support this fact. Therefore, I urgently request a prompt and affirmative correction of this discrepancy. Your assistance in resolving this matter at earliest convenience is highly appreciated. 
* XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} This account was already paid as agreed, and XXXX balance, but still acquiring 30 days late on XXXX, XXXX and 60 days late on XXXX, 2021. Please investigate this account and remove negativity as soon as possible. 

XXXX XXXX XXXXXXXX XXXX Balance : {$570.00} An account showing to be currently 120 days late is considered a charge off under the Federal Reserve and the XXXX XXXX XXXX XXXX. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and fix the current status to reflect accurately.
Consumer complaint received 2024-04-26
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. (PA)

FCRA 605B, I believe, mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates.
Consumer complaint received 2024-04-26
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 want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-06-05
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. (MD)

I have been disputing these accounts for over a year. The accounts belong to my father not me. 

XXXX {$4900.00} XXXX XXXX XXXX XXXX ) {$1200.00} XXXX XXXX XXXX XXXX XXXX ) {$540.00} XXXXXXXX XXXX XXXXXXXX {$770.00} XXXX XXXX XXXX XXXX {$6600.00} These accounts belongs to my father.
Consumer complaint received 2023-07-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-08-13
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. (NV)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report.

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items.

The identity of the entity or entities responsible for conducting the verification process.

Any documentation or evidence used to substantiate the accuracy of the disputed items.
Consumer complaint received 2024-04-26
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. (GA)

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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX {$91.00} and 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 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 2024-04-26
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

Late notations on my account have never been a common occurrence as I am a responsible and punctual payer. I kindly request your understanding regarding the late remarks on my report, and I am committed to settling them as agreed. I aim to clear all the late remarks on my report, and I am eager to maintain a positive record with you.
Consumer complaint received 2023-06-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A. (MA)

Someone tried to open a savings account and checking account at XXXXXXXX XXXX XXXX. 
First XXXX XXXX XXXX  contacted me because the name and social security number did not match. They closed both accouts. I filed a fraud report with them in XXXX this year. They said that they would send me a copy of the report. I have jumped through hoops on my days off because I never get the report. It is almost impossible to get through to them each time. I have asked 3 times for the report. They said that one was sent out the end of XXXX, then XXXX XXXX and another was supposed to be sent out the XXXX week of XXXX. To this date I have never received the reports. Even my XXXXXXXX credit card notified me of the fraud but they could not give me any more information. There were 2 inquires on XX/XX/2023. I believe that these were the identity theft attempts. They are on my XXXX report. I am sick of Citibank giving me the run around. I have also filed a police report with my local police department. They were waiting for a copy of the fraud report which I NEVER seem to receive. Citibank verified my address and it was correct. I even received a debit card for the fraud account but shredded it because they said that the account was closed. I do not even believe them anymore.
Consumer complaint received 2024-04-26
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc. (NJ)

It states over {$16000.00} is owed and on late payment but I have no payment due to loan forgiveness program. This has dropped my credit score down significantly and now I cant get approved for an apartment to shelter my family.
Consumer complaint received 2023-06-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY (NY)

I deposited XXXX and XXXX into my checking with checks from work to TD Bank. Also deposited XXXX in my savings and have yet to receive a check with my funds or any reason besides that they suspected fraud of why my account was closed. I came into the bank with my id, social, birth certificate, and alternate old ids and they would not issue me a debit card or give me access to my funds and eventually closed my account on XX/XX/23 without giving me my funds. I tried to call TD and walked into the XXXX New York branch with no updates or any idea of how they could or would get me my funds I deposited into their bank.
Consumer complaint received 2024-09-12
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. ()

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Consumer complaint received 2023-06-26
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

I initially authorized an ACH for services where such authorization was later revoked, and services canceled with a request for a refund. Due to experiencing severe illness and a death of an immediate family member that resulted in an extended travel away from my home and eventually in my own admission to emergency XXXX XXXX, I was rendered unable to keep track of the refund status. 

I notified XXXX of the situation after I was able to identify that the revoked ACH authorization and canceled services did not result in a refund despite the vendors acknowledgment of the revocation. XXXX explained because it was over 180 days, I needed to reach out to the bank USAA directly. 

Despite reaching out to USAA on the very same day that XXXX notified me it could not help with the confirmed unauthorized loss based on the same mitigating circumstances, USAA failed to observe the extenuating circumstances provided under 12 CFR 1005.6. USAA has stated that because the payment had been authorized it could not be reversed. This despite mitigating circumstances and significant evidence that services had not been rendered and acknowledged canceled. 

I still have significant difficulty corresponding and have been forced to write about the revoked authorization dispute at the risk off permanent nerve damages during my continued recovery. 

USAA requested no evidence initially and after requesting evidence, the bank took no further action on the dispute denial because the payment had initially been authorized despite protections under various statutes not limited to the XXXX. I notified USAA since the authorization had been timely revoked, the vendor was entitled to {$0.00} and as such an incorrect amount of {$160.00} has been accessed to my account.
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. (NJ)

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 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/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-04-26
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. (TX)

YOU ARE BEING PUT ON NOTICE THAT YOU HAVE WILLFULLY AND NEGLIGENTLY VIOLATED MY CONSUMER RIGHTS. XXXX, XXXX, and Experian have reported the following inquiries on my credit report, which violates my rights under FCRA - 15 USC 1681b ( a ) ( 2 ). I did not authorize XXXX to report this information or provide my credit details to any of these companies. When I informed XXXX of this violation, my request to have this information removed was denied. Representatives informed me that I would need the companies to send a letter requesting deletion. These companies do not have the right to access this information without MY CONSENT, yet XXXX is granting them that right WITHOUT MY PERMISSION or a PERMISSIBLE PURPOSE. I rescind all rights expressed or implied that grant XXXX, XXXX, and Experian the right or authority to bypass my written consent to report anything on a consumer report bearing my personal and private information. In addition the following information is reporting incorrectly : Address : XXXX XXXX XXXX XXXX, TX XXXX Never Paid Late : XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX ( this account has been closed and inaccurately reporting which is significantly harming my credit rating ) All credit transactions are secured transactions. No real debt even exists for the companies reporting so how could it ever be late? Furthermore payment was voluntarily made so reporting it as late is an inaccuracy within itself. This is defamation as well as a violation of FCRA. FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. PLEASE Submit an affidavit of truth that your billing records are in fact correct. XXXX XXXX XXXX XXXX : not mine XXXX XXXX XXXX  not mine/ reported as fraudulent No permissible purpose Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-26
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. (AZ)

I submitted XXXX disputes to Experian. None of the disputes have been investigated. I spoke with a representative that and they confirmed the that I was sending the disputes to the correct address. Please see the following for the dates the disputes were sent : XX/XX/2024 XX/XX/2024 XX/XX/2024
Consumer complaint received 2024-04-26
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: Experian Information Solutions Inc. (WI)

I have consistently made on-time payments, 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 else they will owe me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-04-26
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. (CO)

I am reaching out once more to express my confusion regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. 

As you are aware, I have submitted the required XXXX  report to the XXXX XXXX XXXX regarding this fraudulent accounts. Following this submission, XXXX and XXXX have promptly removed these accounts from their records. 

Here are the details of the following accounts in question : XXXX XXXX XXXX XXXX -, XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX  XXXX. 

Additionally, I have directly contacted the company associated with these accounts, and they have confirmed its removal. Therefore, I am perplexed as to why this accounts are still being reported by your bureau. 

It is crucial to acknowledge that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only violates this obligation but also exposes me to further harm.
Consumer complaint received 2024-04-26
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. (TN)

PLEASE BLOCKED AND REMOVED It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.