davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Despite two written requests, the unverified items listed below still remain on my credit report in violation of federal 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
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

My account was closed at Chase around XX/XX/2023. The bank never sent the cashier check with the balance on my account. Im not XXXX XXXX  so I cant go to a branch to request my money. 
Thanks
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

I have sent in a written dispute on requesting to remove wrong personal information that is on my credit report from Equifax, XXXX, XXXX. I provided them Equifax, XXXX, XXXX with the updated information as required. A copy of my Drives License and also a current bill with my name and current address. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX , SC XXXX
Consumer complaint received 2024-01-26
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.

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 2024-01-26
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)

In case of my previous complaint no. XXXX, XXXX. Action Taken - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  ) confirmed that I've never opened checking account or credit card with XXXX XXXX XXXX XXXX my lifetime. 
XXXX XXXX states that there's no track history to match up with my XXXX & all listed home address/zip codes. But there are hundreds of naming lists under my name XXXX XXXX in their banking system. I've asked them to verify all XXXX XXXX in their banking system one-by-one in order to identify the user with the credit card debt XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX. Answers from XXXX XXXX XXXX XXXX XXXX XXXX  rejected my request since they don't know the exact account number to be associated with the credit card & its debt. 
b. on XXXX today, I've received the attached mail that credit agencies XXXX have combined my file with a file of someone with a similar name. ( XXXX XXXX ) 3. Current Challenges - a. I've tried to contract 4 listed Credit boroughs to identify the associated bank account number or Credit Card Number. But, I've failed since those companies are available via XXXX where this case is not handled, and in-person XXXX staff wasn't available on the call. 
b. I'm currently in trouble to get a Morgage to purchase my first home due to the bad credit score ( XXXX currently, each month decreasing due to this incorrect naming conversion mismatched from a different person ). Very desperate & extreme-stressful situation. 
c. In my lifetime, I've never made late payment so far. This unresolved situation makes me XXXX XXXX XXXXXXXX XXXX XXXX  that I've identified the issue first time. 

4. Requests : in my perspectiveXXXX XXXX XXXXXXXX XXXX or CFBP ( as the adjustor ) needs to inform this mishap to 4 credit boroughs on behalf and should correct the mis-aligned name to the right person. The most important action though is to get rid of all the related bad credit score histories impacted by the mis-match on my naming conversion.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

TransUnion Consumer Solutions XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX Subject : Dispute of Factual Inaccuracy Dear TransUnion Consumer Solutions I am writing to dispute an item on my credit report that has been reported by XXXX XXXX XXXXXXXX XXXX XXXX. Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681-S 2 ( 7 ) ( A ), I am entitled to request an investigation into the accuracy of this information.

1. I dispute this item on the grounds that factual inaccuracy between the opening account date and the date of validation notification. Furthermore, I have not been provided with the certified receipt with my name and signature making me aware of this debt by written notification as required by law before it appears on my credit report. 

According to the FCRA, you are required to conduct a reasonable investigation into the disputed item within 30 days of receiving this letter. After this investigation, I request that you Immediately delete any inaccurate information from my credit report. 

Please note that failure to comply with the FCRA can result in legal action against your company. Enclosed with this letter is a copy of the relevant document supporting my dispute. 

I expect a prompt and thorough investigation into this matter. Please provide a written response within 30 days acknowledging receipt of this dispute letter and informing me of the results of your investigation. 

Thank you for your attention to this matter.
Consumer complaint received 2024-09-09
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: AMERICAN EXPRESS COMPANY (CA)

In XXXX XXXX, a representative of the collection department of Amex agreed I pay {$5000.00} to close my case of personal loan total {>= $1,000,000}. But just next day their supervisor was denied this agreement. The supervisor said they never agreed anything. 
I called every Amex complaint number I could find. None of them were willing to look into whether or not their representatives had ever made a repayment agreement with me. 
Because of difficulties and the epidemic, I was not able to repay the loan.Amex forged signatures to deceive the judge, falsely claiming that they had served me with an indictment. 
Finally, I was forced to take out a loan shark to repay this personal loan to close the case. I am still suffering from this debt.
Consumer complaint received 2023-07-05
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. (FL)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. 
XXXX XXXX and XXXX XXXX  XXXX ; INQUIRIES : XXXX Inquiry Date XX/XX/XXXX and XXXX  Inquiry Date DC XX/XX/XXXX
Consumer complaint received 2024-05-03
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. (KY)

I am writing to bring to your attention a matter of potential concern regarding the reporting of certain information to your credit reporting agency. As a consumer, I believe it is crucial to ensure the accuracy and compliance of the information contained within credit reports, as mandated by the Fair Credit Reporting Act ( FCRA ). EQUIFAX has failed to provide a certified copy of court order, my written authorization, Method of Verification in which the verify the information from court or government agency, validation of debt according FDCPA. Equifax has refused comply with FCRA and failed to adhere to FCRA violations and Metro 2 compliance.

Furthermore, Equifax has failed to provide a certified copy of the court order, my written authorization, method of verification, and validation of debt as required by FCRA and the Fair Debt Collection Practices Act ( FDCPA ). These violations raise serious concerns regarding the accuracy and legality of the information being reported. Recently, I received correspondence from XXXX XXXX of Nebraska for the Account Name : XXXX XXXX XXXX, Account Number : # XXXX and obtained a court document indicating that they do not share or report information to consumer reporting agencies, including XXXX Equifax, and XXXX. The letter explicitly stated their policy of non-reporting to CRAs, and the court document further reinforced this stance. Given the nature of this information and the regulations outlined in the FCRA, it is imperative that data protection and privacy protocols are strictly adhered to by all parties involved. Please remove from consumer report immediately. Please provide me with a written response detailing the actions taken to resolve this issue. XXXX XXXX XXXX XXXX have deleted this account off my consumer report but Equifax and XXXX refuses to delete this account. My consumer report inaccurate based on all consumer reporting agencies not reporting accurately across all. Please, send an updated copy of my current consumer report. Enclosure : XXXX XXXX XXXX XXXX letter, XXXX  letter, Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-26
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 information is inaccurate.
Consumer complaint received 2024-01-26
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. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-01-26
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: EQUIFAX, INC. (MA)

I am writing to bring to your attention an ongoing issue with Equifax concerning inaccurate information on my credit report. On XX/XX/XXXX, I contacted Equifax to dispute the following discrepancies, but to date, they have not responded. I am seeking your assistance in resolving this matter in accordance with the Fair Credit Reporting Act ( FCRA ).

Details of the inaccuracies and required corrections are as follows : XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$22000.00} This account was never late. Please correct/update this inaccurate information on my credit report. 

XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$520.00} This account was never late. Please correct/update this inaccurate information on my credit report. 

XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$520.00} This account was never late. Please correct/update this inaccurate information on my credit report. 

XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$120.00} This account was never late. Please correct/update this inaccurate information on my credit report.
Consumer complaint received 2022-12-03
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: Bridgecrest Acceptance Corporation (GA)

in accordance with the fair credit reporting act XXXX account # XXXX has violated my rights 15 USC 1618 Section 602 States I have the right to privacy.

15 USC 1618 Section 604 A Section 2 states a consumer reporting agency can not furnish a account without 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 2024-01-26
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: EQUIFAX, INC. (ID)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-03
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. (AL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2023-04-28
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CREDIT ACCEPTANCE CORPORATION (ND)

Recently called on XXXX XXXX about my credit getting messed up I was told that they are still reporting my payments late even though I am on a payment plan due to me not working I am consistently keeping in contact with them I started off late on XXXX XXXX XXXX  when hurricane ida hit and this company still was charging interest took months for city to get back up I wasnt working roof caved in was lot going on I told them that pause payment for two months then that was it but I was school bus driver and schools still were closed so had no income due to that they were aware of that they continued hitting my credit report ply this company has been sued plenty of time in other states for over charging interest in car loan as well as my state I recently found out they over charged me also Louisian state law says it is illegal for them to charge me over 12 % in interest charges which they did they violated the law by charging me 22.99 % in interest thats why I am still struggling to get rid of these payments with that being said I would Like them late payments to stop Hitting my report because I have been making payments every week I am on payment plan also would like them late payments removed from all three of my credit reports XXXX it is illegal to be reporting that I havent making any payments when I am
Consumer complaint received 2024-05-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (NJ)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-01-26
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: EQUIFAX, INC. (MA)

I hope this letter finds you well. I am writing to bring to your attention the unresolved issues I have encountered with Equifax regarding inaccuracies in my credit report. On XX/XX/XXXX, I contacted Equifax about the discrepancies in the information they have reported, and to date, I have not received a response. I believe that these inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ), and I kindly request your assistance in addressing this matter. 
The discrepancies involve the following accounts : XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2500.00} ) : Incorrect reporting of the balance. 
Request for deletion of past due information as the account is closed and charged-off. 
Request to mark the account as disputed to prevent negative impact on my credit score. 

XXXX ( Date Opened : XX/XX/XXXX, Balance : {$400.00} ) : Doubts about the accuracy of the reported balance. 
Past Due reporting on a closed and charged-off account. 
Request to mark the account as disputed while I resolve the dispute with the creditor. 
Verification of Date Opened, Date of Status, and First Reported. 

XXXX  ( Date Opened XX/XX/XXXX, Balance : {$280.00} ) : Incorrect reporting of the balance. 
Past Due reporting on a closed and charged-off account. 
Request to mark the account as disputed while I resolve the dispute with the creditor. 
Verification of Date Opened, Date of Status, and First Reported. 

XXXX  Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$1100.00} : Account not belonging to me. 
Request for removal from my credit report. 

XXXX Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$560.00} : Account not belonging to me. 
Request for removal from my credit report. 

XXXX Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} : Account not belonging to me. 
Request for removal from my credit report.