davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 2024-01-12
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 2024-01-09
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. (CA)

On multiple occasions Ive tried to accurately report the correct information as well has have the companies take responsibility to have themselves report and to update current and reliable information. This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus, another FCRA violation. My student loan are to be considered paid in full but not removed from my report as I would like to have a positive credit score. I do know and understand that by law we have the right to opt out of certain information as well as to be notified weekly and monthly on the terms and conditions of our credit reports. I would like to also like to get my actual credit file not just my credit report. Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 168le states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title? '' Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. ''
Consumer complaint received 2024-11-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

There is an account on my credit report that has the incorrect PAYMENT HISTORY. 


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. 


I told Equifax to reinvestigate this accounts multiple time : Account Name : XXXX XXXX  Account Number : XXXX XXXX However, they stated everything was complete and accurate. The account is current/paid as agreed, but the payment history is showing 30-60 days past due for XXXX. I have contacted Equifax multiple times to have this error corrected. I have filed several disputes and the error is still present. The account is not 60 days past due. It is current, as the payment status is showing that it is current. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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.

15 U.S.C. 1681 Section 602 A : States that I have a right to privacy 15 U.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.
Consumer complaint received 2023-10-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (TN)

XXXX {$95.00} XXXX {$180.00} XXXX {$80.00} XXXX {$170.00} XXXX {$20.00}. 

These are payments I made on my student loans but then I received an email from aidvantage stating each payment has been reverse. Nothing has changed on my end. Been making payments successfully up to XX/XX/23.
Consumer complaint received 2023-11-14
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: Experian Information Solutions Inc. (FL)

A XXXX ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I had a Checking account with Fifth Third bank and was told that I would not be allowed to access my Mobile app account because a Income tax refund check I deposited from the State of Ohio they said was bogus. I provided a 1040 copy of my Income tax return and a copy of my 1099 form to the bank as requested by the bank as well as a copy of the Tax refund check I got from the State of Ohio. 
A week later I attempted to check my account balance at an ATM and found that my Checking account had been closed by the bank without any notice to me. When I spoke with a Fifth Third bank official, and they checked with their Fraud people I was then told my account had been closed because someone had tried to access my Checking Account from overseas and the account was closed at that time with no notification. I have been lied to by Fifth Third and due to no prior notification of account closer I have been charged late fees on my mortgage and had to setup a new Second chance Checking account that penalizes me due to the damage that took place to my credit rating
Consumer complaint received 2024-04-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (GA)

I applied for forgiveness, based on the school closing while I attended. The forgiveness was granted. I have been checking the loan status with Aidvantage ( loan servicer ). I have called multiple times to get incorrect information. On today I was asked to fill out a second application for borrower defense when the school that is listed isn't one I applied for nor was authorized an application for. the only school I attended was XXXX XXXX
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: MicroBilt / PRBC (formerly CL Verify) (OH)

Re : Identity Theft Recovery To whom it may concern I am writing you to correct my consumer reporting personal information with the following name if you don't have it already recorded to " XXXX XXXX XXXX ''. I have enclosed a copy of my government ID, social security card and affidavit of identity for verification.
Consumer complaint received 2024-07-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

This was with bank of america. They denied my SSA form, denied my durable power of attorney. The credit card would have been for XXXX if they let me enter the number. I have suspension of breach of trust, security fraud and identity theft on the banks part. Please help. Thank you.
Consumer complaint received 2023-11-14
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. (NY)

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 XXXX : # XXXX, XXXX  XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, Hard inquiries : XXXX, XXXX XXXX  XXXX, has violated my rights. 

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

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (IL)

West lake portfolio management put I have a pass due payment XXXX and XXXX on my credit report and decreased my score but I had spoke to someone for arrangements before it was late and they said it would not go on my credit report they put the negative payment on my rep before it was due I would like the late payment removed Iam in the process of buying a home and this could have a negative impact on the process
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ENCORE CAPITAL GROUP INC. (AZ)

I received a writ of ganisment I never received a summons as I live in a different state now the gave the summons to my mother then followed up by mail to my mother 's address. So the garnishment went through to my employer and they are taking said money and reporting all of this on my credit but all of the info is from oregon and I live in arizona. I tried to call them today and figure out a solution and they hung up on me. So I called today and yesterday would be XX/XX/XXXX and XX/XX/XXXX they mailed this writ on garnishment to my mother it is dated XX/XX/XXXX and the garnishment started XX/XX/XXXX. I honestly didn't get a chance to remedy this and or wasn't contacted about the debt/garnishment. I just received the paperwork via snail mail by my mother within the last week.
Consumer complaint received 2023-12-28
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. (CA)

I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 

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 2024-02-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (AL)

The alleged Creditor failed to respond to my " Affidavit offer to perform upon debt validation letter '' and numerous communications were sent via mail to the alleged creditor 's address. I sent the alleged creditor a " Cease and Desist '' notice to stop all collections and reporting until the alleged creditor can verify and bring forth the " original contract '' and respond to stipulations in my " affidavit to perform upon debt validation letter ''. After giving the alleged creditor 30 days to respond to my " Affidavit offer to perform upon debt validation letter '' and numerous communications via mail, I have not received a response and have just been ignored. The alleged creditor after the fact there is a " Cease and Desist '' in place is still reporting derogatory information to the credit bureaus that's hurting my credit profile. Now I'm here to report Identity theft due to no response and have just been disrespectfully ignored.
Consumer complaint received 2023-05-15
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: Experian Information Solutions Inc. (OH)

All credit report agencies are reporting an alleged bankruptcy on my credit report profile. I asked how they verified information, was told XXXX who I then contacted them directly they said they could not validate information and would remove it. I then sent the credit reporting agencies proof of that noticed, they then gave me statement now saying the bankruptcy courts told them about this alleged bankruptcy. I contacted bankruptcy courts and sent all 3 credit agencies notices from the court indicating they did not and yet they refuse to remove this false information. Attached is proof. I need all 3 credit bureau ( XXXX, XXXX and Experian ) to remove this inaccurate information as my score is being penalized for it.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (NC)

Self lender reported for XXXX to XX/XX/2023 a balance of XXXX dollars..my credit limit is XXXX..on my credit card stament close date my balance was on XXXX cents..I was way under 30 % of my credit utilization..my stamens close date was XXXX I never spent any of my money on the card..therefore my balance was reported inaccurate I even called them to verify my statement close date ... my credit score went down XXXX  points ... this is fraudulent in accuracies and they should be punished by law as a credit company ... in XX/XX/2023 they reported my balance was XXXX dollars when I had a balance of XXXX dollars of a XXXX dollar limit..
Consumer complaint received 2023-11-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

I called on XX/XX/07 to file a claim dispute with Chase for a XXXX unauthorized charge for my account ending in XXXX. I spoke Chase and dispute and they stated they are unable to get the funds from XXXX.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MO)

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. These are the following accounts need to be removed :
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (GA)

There is a Bankruptcy reported inaccurately on my XXXX and XXXX account. Both XXXX and XXXX claimed that the information was verified with Lexis Nexis. However, I've suppressed my Lexis Nexis ( and have the confirmation letter below ) months before requesting the removal of the bankruptcy and they ( XXXX, XXXX ) managed to still get information from Lexis Nexis. This in violation with FCRA regulations and I'm requesting the Bankruptcy reported on my XXXX and XXXX account be removed.
Consumer complaint received 2024-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma (TN)

My account was closed so a check for my tax refund was sent to my address. The check ( and other mail ) had been gone through and the check was damaged. I reached out to credit karma on XX/XX/XXXX to have another check reissued. The representative I spoke with assured me that a new check would be issued and Id have it within XXXX business days ( as well as a tracking email one mailed ). I have reached out to them numerous times because I have not received the check, which they say they will escalate. Its been close to a month and I still do not have those funds. I did reach out XXXX XXXX for assistance who said they would try to assist so Im hopeful with them. I have been provided with 2 case numbers XXXX and XXXX. Hoping someone can help
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2024-03-27
Product: Credit card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: JPMORGAN CHASE & CO. (WA)

I am trying to add my daughter who was born in XX/XX/year> to my credit card to build her credit report. However, I have spoken to multiple Chase representatives who are either clueless, dismissive or plain provide misinformation to the user. 

Chase on its own site XXXX XXXX XXXX says that one can add minors to the credit card to build their credit report. However, when I tried doing this, the bank representative ( from the credit reporting team ) gave me false information that no such thing exists and only after XXXX  years would credit be reported for the minor ( which according to Chase themselves is false ). 

All I want to do is add my newborn to my own credit card as an authorized user so that her credit file builds and helps her when she grows older. The bank allows me to add her as an authorized user but does not have a published way to add her SSN and instead its agents resort to above tactics to frustrate the customer.
Consumer complaint received 2020-06-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MI)

On XX/XX/2020 cash app closed my account because too much money was sent. They are holding on to XXXX dollars. It tells me to cash out but they wont allow it. Theres no way of speaking to someone only reading what they suggest you do but that also doesnt work. I would like to know I can get my money from them.
Consumer complaint received 2024-03-12
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Michel Law, LLC d/b/a Level One Law (NY)

Spoke with XXXX XXXX XXXX of XXXX, after much discussion we decided to go into the settlement program. We where set up with level one law and then money to payback the credit cards would Be deducted monthly. By XXXX I started to get a feeling something wasnt right. I noticed not much progress with the creditors. I reached out end of XXXX, no one would pick up the phone. I send an email XX/XX/XXXX. No one responded back : I tried calling again and texting XXXX XXXX. No response. Then I called again this past week of XXXX and the phones would make an announcement and then disconnect and then it seems I have been blocked by XXXX XXXX. I reached out to global holdings who take the money from me for the program, and they said that the company is on pause due to litigation. So now I can not cancel this program and I need my money back.