davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (IL)

I am in disagreement with the Account listed below Which steel appears on my credit report, even after your investigation. I would like this immediately reinvestigated inaccuracies are highly injurious My credit score. 
XXXX { NORDSTROMS } { ACCOUNT NUMBER AS IT APPEARS ON REPORT XXXX } XXXX XXXXXXXX XXXX XXXX XXXX  { ACCOUNT NUMBER AS IT APPEARS ON REPORT XXXX } XXXX { XXXX XXXX XXXX XXXX { ACCOUNT NUMBER AS IT APPEARS ON REPORT XXXX } XXXX XXXX XXXX XXXX XXXX XXXX { ACCOUNT NUMBER AS IT APPEARS ON XXXX } XXXX { XXXX XXXX XXXX XXXX { ACCOUNT NUMBER AS IT APPEARS ON XXXX } In accordance with the Fair Credit Reporting act Public law 91506, Title Vl, Section 611.

Please provide the name and business addresses of each individual which whom you verified above so that I may follow up please send me an updated copy of my credit report after your investigation.

Thank you.
Consumer complaint received 2024-06-14
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 writing to bring to your attention a matter of significant concern regarding a fraudulent XXXX XXXXXXXX XXXX credit card account that was opened under my name on XX/XX/year>. Despite repeated attempts to rectify this situation, I have encountered numerous obstacles and have yet to receive satisfactory resolution. 

The fraudulent credit card account in question was opened without my consent, and subsequent to its unauthorized opening, it was never closed properly and remains charged off with a balance of {$66.00}. This unauthorized activity has had a profoundly negative impact on my credit score, creating substantial financial and emotional distress. 

Despite my diligent efforts to dispute the validity of this account, it remains unresolved, casting a shadow over my financial reputation. My attempts to seek assistance from XXXX  XXXX XXXX have been met with frustration, as they claim to be unable to locate the account or provide any meaningful assistance. 

Furthermore, my interactions with the credit bureaus have proven equally unfruitful, as they merely redirect me back to XXXX  XXXX XXXX without offering any tangible assistance or guidance. This situation has caused me undue stress and financial hardship, as I continue to suffer the repercussions of a fraudulent account that I did not authorize nor benefit from. 

As a consumer who has diligently sought to address this issue through appropriate channels, I implore the Consumer Financial Protection Bureau to intervene on my behalf and facilitate the swift removal of this fraudulent account from my credit report. 

I am hopeful that with your intervention, this matter can be resolved expeditiously, allowing me to regain control of my financial standing and restore my creditworthiness. I appreciate your attention to this urgent matter and look forward to a prompt and favorable resolution. 

Thank you for your time and consideration.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

"

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "
Consumer complaint received 2024-06-12
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)

PLEASE BLOCKED AND REMOVED. 
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending letters over 30 days ago, I have not received a response, and there has been no satisfactory validation provided. I kindly request your assistance in resolving this matter.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the Credit Bureaus and still have yet to receive a response.
Consumer complaint received 2024-08-23
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Hello. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. A few weeks ago, Bank of America shut my account down without prior notification ( in any form ) proclaiming that i agreed to this ( them being able to do such a heinous and unprofessional act ) they can do this because it was in the fine print I was pressured at the B of A desk which I signed to be a banker there some XXXX or 5 years. Now ( even upon request ) They wont give me the reason why they shut my account immediately and are withholding my funds, maybe using ticket-tac ways to liquidate it ( starting I had XXXX and now its ended up they reversed payments so its XXXX ). In all this that could drive someone sick Bank of America never offered to help me with my credit card/score ( they would always reject my requests to work with a service to help my credit score get on track and better- this had a lot to do with my XXXX- XXXX XXXX XXXXXXXX XXXX XXXX, don't wan to get the toothbrush to clean, etc ) and how i wanted to work with them to become better as a credible person in society.

They never tried to assist me kindly - especially when they didn't like my answer because I argued and didn't just back down, - I was always having fights with the agents and then they hang up on me because Id go too far... while Im on the maximum legal XXXX XXXX XXXXXXXX for such things as when hypothetically I get a low amount in my bank ( out of nowhere ) and I can get very scared to have almost hhad convulsions in which Ive told them about. I feel theres some higher-up as well as their mignons who are discriminating against me ( especially in a situation as such ) future financing for me, a bank that is now threateing to sabatoge my credit ( red flag me, etc. ) for the next five years because of misconduct and low amounts in the account. really honestly dont need that right now. Its hard enough just being. Please help me. Thank you.
Consumer complaint received 2024-08-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-07-16
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. (NJ)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC XXXX regarding the account that do not belong to me. 

Account name : XXXX XXXX XXXX Date of Inquiry : XX/XX/2023 : Account name : XXXX XXXX XXXX Date of Inquiry : XX/XX/2023 : Account name : XXXX XXXX Date of Inquiry : XX/XX/2023 : Account name : XXXX XXXX Date of Inquiry : XX/XX/2023 : Account name : XXXX Date of Inquiry : XX/XX/2023 :
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

FAIR CREDIT REPORTING ACT/REGULATION V. Section 623 of the FCRA and Regulation V states that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete, and this has not taken place. I have repeatedly tried to contact credit bureaus and resolve this issue and have been unsuccessful. I will include a copy of my police report and XXXX report with these complaint as advised to do so by credit bureaus.
Consumer complaint received 2024-08-28
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. (CO)

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. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX. ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-07-29
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. (PA)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX 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 2024-06-13
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)

My rights have been violated. I didnt give these companies consent or written permission to report in accordance to 15 USC 1681b. 15 U.S.C 1681 section 602 A. States I have the rights 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 They are thereby reporting fradulent erroenous information. A willful violation under 15 USC 1681C-1 and and per15 USC 1681c-2 these need to be removed in 4 days.These are causing defamation of my character and my public appearance. I will have bo choice but to seek litigation in small claims court if this isnt fixed. see attachments
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/2022, XX/XX/2022 AND XXXX XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

JP Morgan Chase has froze {>= $1,000,000} in cash in my checking account. The freeze has taken place since XX/XX/2024. This is causing material damages which increase every second the money is erroneously locked. I have reached out every day multiple times a day to try to resolve the problem and CHASE has not provided any information with regard to the nature of the account being frozen, nor the timeframe for it being resolved. We have called into the fraud department, the electronic money movement department, gone to multiple branches, etc.. If this continues for longer than one more business day, my company will be on the brink of collapse.
Consumer complaint received 2024-06-12
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. (WA)

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 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

am filing this complaint regarding the inaccurate reporting of XXXX accounts on my Experian credit report. Despite my efforts to resolve these issues directly with Experian, the inaccuracies remain unresolved, violating the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. 

Account XXXX : XXXX  XXXX Credit Card Account Number : XXXX Status : Charged off with {$570.00} written off. The balance is reported as {$0.00} as of XX/XX/XXXX. 
Issue : The account is incorrectly reported with a balance of {$0.00} while still showing a charge-off status. This misrepresentation violates FCRA Section 1681e ( b ), which mandates that consumer reporting agencies must ensure maximum possible accuracy. The conflicting information affects my creditworthiness and misleads potential creditors. 
Account XXXX : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Status : Closed with {$470.00} written off as of XX/XX/XXXX. 
Issue : The account shows a balance of {$0.00} but retains the charge-off status. This inconsistent reporting does not comply with FCRA Section 1681e ( b ) and Henson v. CSC Credit Servs., 29 F.3d 280 ( 7th Cir. 1994 ), which requires accurate reporting of account statuses. The discrepancy in reporting is misleading and harmful to my credit profile. 
Account XXXX : XXXX XXXX XXXX XXXX Credit Card Account Number : XXXX Status : Charged off with {$9600.00} written off and {$9600.00} past due as of XX/XX/XXXX. 
Issue : The account reports an excessive past due amount even after being charged off. The truncation of the account number raises concerns about potential mixed files and identity theft. The reporting does not adhere to FCRA Section 1681e ( b ) and Smith v. LexisNexis, 837 F.3d 604 ( 6th Cir. 2016 ), which mandates that credit reports be accurate and complete to prevent confusion and fraud.

Violations : FCRA Section 1681e ( b ) : Experian has failed to follow reasonable procedures to ensure the maximum possible accuracy of the information reported. The conflicting and incomplete information violates this provision.

FCRA Section 1681i ( a ) : Experian did not properly reinvestigate or correct the inaccuracies after my disputes, failing their duty to ensure accurate reporting.

Case Law : The inaccuracies, including the misleading charge-off statuses and truncated account numbers, violate the standards set forth in Henson v. CSC Credit Servs. and Smith v. LexisNexis.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries.