davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-20
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)

Hello, when I checked my XXXX XXXX on XX/XX/2024, I noticed there are multiple names on my account and XXXX accounts opened without my permission under different name. I contacted XXXX and I told him my account was locked for last XXXX years and how come, someone could open the account under my name they advise me to send a complaints to CFPB and let them know what happened the last time I open the credit was XXXX years ago through XXXX XXXX, and anything after that is not mine and there are multiple names which now associated with my account, which none of them belong to me would you please remove those accounts from my credit report and please remove the name thats not mine from my report also? My home address was changed also. There are some accounts which shows its closed also which doesnt belong to me please see attached screenshot of all the documents. Thats none of them belongs to me. Please remove all these from my credit report. thanks for your help.
Consumer complaint received 2023-07-10
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. (FL)

This is my sixth 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 accounts 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 items XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX XXXX DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$3100.00} ; XXXX XXXX  XXXX Balance : {$6000.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-06-08
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. (NY)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ACCOUNT XXXX XXXXXXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 

Thanks,
Consumer complaint received 2023-07-05
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. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX Also, I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX. Please repair and update ASAP.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I have been trying to get a loan for some time now but I am not getting approved because of the errors on my report. You have no idea how frustrating and disappointing it is to be ignored consistently on my requests to correct inaccuracies in my credit report, it's making me mentally sick.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

Here 's a reworded version of your statement : Under the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 a, it is emphasized that consumer reporting agencies such as Equifax and XXXX must exercise their responsibilities with fairness, impartiality, and respect for consumer privacy rights. As a consumer, I am protected under 15 USC 6801, which states that financial institutions have an ongoing obligation to respect customer privacy and safeguard their nonpublic personal information. Moreover, 15 USC 1681 section 604 a section 2 states that consumer reporting agencies can only provide a consumer report with the explicit written consent of the consumer. I have not given my consent for the furnishing of this information to credit agencies such as Equifax and XXXX. 

Furthermore, 15 USC 6802 ( b ) ( c ) specifies that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer about their right to request nondisclosure. The entity providing information to credit agencies did not inform me of this right. Additionally, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse information in a consumer report without proper authorization. This information is being reported against the law. 

According to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, it is unlawful to furnish inaccurate consumer information to a consumer reporting agency. Equifax and XXXX are failing to maintain reasonable procedures as required by 15 U.S. Code 1681e, which is designed to prevent violations and restrict the furnishing of consumer reports to specific purposes. Lastly, as per 12 CFR 1016.7, I am exercising my right to opt out of your reporting services at this time.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

XXXX, reported me XXXX delinquent and I am not delinquent. I made my payment on time, and the company returned the payment. I have an excellent payment history and never missed a payment. The bureau shows i paid XXXX XXXX, and XXXX is showing XXXX  days late while we are STILL IN XXXX! I resubmitted the payment on XXXX XXXX. Receipt number # XXXX for {$180.00}. I have attached copies of bureau as well. In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report.This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 


Account no. : XXXX
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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 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 2024-01-20
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 inructions 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 2024-04-30
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. (MD)

I do not recognize these inquiries and accounts and I asked for them to be removed and the credit bureaus didn't do ask i asked. I'm attaching a copy of the ftc report that i filed
Consumer complaint received 2024-04-30
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. (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. XXXX XXXXXXXX XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

And according to 15 USC 1681eb they are supposed to ensure this whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2023-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

To whom it may concern, I wanted my credit report to show only what's correct and accurate. However, I still see those same negative accounts popping up on my files over and over, despite disputing them with the consumer reporting agencies since XXXX. There's even one negative account that's already been removed in XXXX but is still showing up in Transunion and XXXX. How did they miss that information? The fact that they were all reporting to one furnisher of information This incoherent report from them is disheartening on my part because it has lowered my credit scores.
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate 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 XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX Balance : {$3600.00}
Consumer complaint received 2023-02-14
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I had gotten a notification that my account was locked and i needed to call the bank. When i called they explained that because of their policy my account would be closed and a check of the balance of my account would be mailed to my address. its been over 3 weeks and whenever i try calling just to clarify that my account was closed and i will be getting the money in my savings and checking back but they never respond back.
Consumer complaint received 2023-07-05
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I'm disputing accuracy in XX/XX/year> I was not late XXXX ( XXXXXXXX XXXX XXXX XXXX agrees they did not report but they are XXXX need to be cleard of late ..also XX/XX/XXXX I was involved ina. car accident the car was a total Loss XXXX XXXX XXXX from other party paid out for the car to them.on XX/XX/year> XXXX stop reporting me as of XX/XX/XXXX as I have no business with them anymore in XXXX they failed to answer to equifax for my dispute in the allowable 30 days Nd was removed from my credit report and now it's has reappeard with multiple in accuracy, balance is incorrect, month of XXXX is still on and now for month reporting it's showing XXXX ( no data ) XXXX ( no data ) XXXX ( no data ) this is a lease vehicle I have no business with this company this should not be on my credit report ..they are reporting in accurate..they just tell me to dispute it and nothing is done about this DELETE ACCOUNT THIS IS A LEASE VEHICHLE I HAVE NO BUSINESS WITH XXXX XXXX ANYMOREAS OF XX/XX/year> SHOULD NOT BE ON MY CREDIT REPORT ESPECIALLY WHEN ITS IN ACCURATE
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-08-09
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: SANTANDER HOLDINGS USA, INC. (PA)

I rightfully paid Santander consumer USA using a Bill of Exchange in accordance with the uniform commercial code. It was initially accepted. I have proof that it was accepted through my statements and a letter from Santander Consumer USA showing the account was XXXX  out and then a few weeks later they reversed the payment. Next I started receiving harassing phone calls and a lot of correspondences through the mail. I am suspicious that my information has been compromised in a recent report that I put in with the Federal Trade Commission concerning my identity. There was inaccurate reportings on my credit report numerous times recently from Santander Consumer USA after receiving more harassing phone calls.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This dispute started in XX/XX/XXXX when XXXX failed to reply to multiple letters and supporting correspondence. I am not obligated to pay any disputed amount by law, so I did not. This account is now current and has been for almost four years. The dispute of {$2300.00} is resolved, and the balance is credited for that amount. All payments are being made on time. 

I agreed to the settlement during the call with your representative on or about XX/XX/XXXX. Initially, I was told the call was being recorded by XXXX. During that call, as part of settling the account, my credit report and XXXX history would also be updated to show the correct/current information. After years of on-time payments being reported accurately, as of today, XXXX continues to show the account past due from XX/XX/XXXX through XX/XX/XXXX. 

This is incorrect. The aging should be amended now that the dispute is settled, and this delinquency history should be deleted or amended. As a result, I am requested a copy of the transcript or actual recording of the phone call with XXXX as evidence of what the XXXX representative promised in order to encourage me to agree with the settlement terms. If you feel the representative would not mis-represent the terms, then the recording or transcript would also indicate such. 

I am therefore requesting that any previous months delinquencies or late payments be removed, corrected, or suppressed from all three Credit Reporting agencies where they continue to appear, negatively influencing my overall report. Please reply directly to me as to how XXXX will finally resolve this matter after five years.
Consumer complaint received 2023-11-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (KY)

I was switched to Edfinancial as my loan provider. I had 2 loans. 1 was a XXXX loan I kept open as the interest rate was low on it. the 2nd loan was my large graduate school loan that was consolidated. They swithced my payment amounts for each loan. Meaning, I was paying {$470.00} to the large grad loan and {$64.00} to the small XXXX loan. When I was switched to this loan provider, they switched those payments so my {$470.00} dollar payment was going to the small XXXX loan and my small payment was going to my large graduate loan. 

I called about this initially on XX/XX/XXXX and continually have called back over the past year where I was told this would be escalated and sent to finance to process. I just received a letter in the mail that my small loan has been paid off. This is not what I wanted. Due to this error and now that the interest on loan repayment has begun, I am missing out on having paid down for of my loan over the past year and having to accrue a larger interest rate due to their error. They correct my loan payment after a year but then did not switch the back payments to the correct loan meaning now that interest has resumed I am having to pay a larger sum toward interest. 

Additionally, they have now changed my loan payment amounts with no reasoning provided. I am and always have been on a standard repayment plan. My payment amount should be fixed and not changed. Over the past few payment cycles my loan payments are varying and now they are set to be a smaller amount XXXX when my payment has {$470.00} for years. 

I have attempted to call back multiple times in the past few months trying to call back method ( which no one returned my call ) and also having waiting on hold to speak with a representative for 6 hours until I was disconnected. 

I have called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX in the past few months alone and have not been able to get this corrected. 

I need to have these issues corrected and my payment amount to be correctly adjusted. I have had this issue " Expedited '' 3 times now with apologies but no corrections or contact has been provided. I have signed up for paperless notifications from edfinancial to have that info come to my email but I only get letters in the mail with these changes to my account that are not correct.
Consumer complaint received 2023-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (CA)

I received a check I was waiting for and my family needed the funds for family emergencies. I never had an issue cashing a check with chase bank. So I cashed it. The put a XXXX  day hold at first. When the funds were supposed to be made available told to me by customer service it was extended another 7 days. The results is I had my vehicle repossessed, and loss more money because I could make it to work. The representative told me the are holding the money because the issuer of check may have had a bounced check in the past. However chase took the money from the issuers account so he was not able to put a stop payment so I could use another company service. I called them many time and I was hung up on and treated as my life didnt matter resulting in extreme damages to my family.