davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-15
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 — Was not notified of investigation status or results
Company: AMERICAN EXPRESS COMPANY (FL)

I have maintained a credit score in the 800+ for the past 20 years. 

On Monday XX/XX/XXXX, I applied for a home equity line of credit and was advised by the bank that my credit report showed a charge-off and collection status for an American Express account in my name. This information was reported to the credit reporting agencies by American Express ( AMEX ) in or around XX/XX/XXXX. Therefore, my application would not go forward. 

Between Monday XX/XX/XXXX to today ( Thursday XX/XX/XXXX ), I have made over 100 telephone calls and sent several e-mails ( copies attached ) to AMEX. AMEX has not issued the letter they promised to send me stating that the report they made to the credit bureaus was an error and would be deleted from my account. E-mails and telephone calls to the chairman 's office and executive office have been ignored. AMEX refuses to provide any information whatsoever regarding the application information associated with this account they provided to the credit reporting agencies. I also filed disputes with the credit reporting agencies but the incorrect information reported by AMEX report WILL NOT BE REMOVED until AMEX initiates removal. I HAVE NEVER APPLIED OR CARRIED AN AMEX CARD. I HAVE NEVER LIVED IN TEXAS.

3. I have lived at two ( 2 ) addresses for the past 30 years in homes jointly owned by my wife and I. I never lived in Texas, but American express reported a Texas address associated with the derogatory account information AMEX reported to the credit bureaus. I never receive a call or any mail regarding this account from AMEX or any collection agency. I have been married ONCE and will celebrate 30 years next month. ALL CREDIT APPLIED FOR IN THE LAST 30 YEARS HAVE BEEN DONE JOINTLY WITH MY WIFE. 

4. I am now withdrawing the needed funds from my XXXX and will have 20 % withheld as well as other penalties. 

5. I am over XXXX years old.
Consumer complaint received 2024-01-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (GA)

XXXX i had a wire transfer to XXXXXXXX XXXX, from Chase bank. The payment was never received. I have been back and forth with chase since XXXX, I have not gotten anything resolved.
Consumer complaint received 2023-04-05
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: EQUIFAX, INC. (FL)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

Ive been writing to dispute certain information in my credit report maintained by XXXX, Equifax, an agency, as provided for under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681. Specifically, I am disputing the accuracy of the information listed in the following sections : XXXX : 15 U.S. Code 1681b XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : 15 U.S. Code 1681b Citizen Pay loc America First CU America First CU I am invoking my rights under 15 U.S. Code 1681b, which requires consumer reporting agencies to provide accurate and fair credit reports. Additionally, I am invoking my rights under 15 U.S. Code 1681e and 15 U.S. Code 1681s2, which mandate the investigation and correction of any inaccuracies or incomplete information contained in consumer credit reports. 
I request that XXXX, Equifax conduct a thorough investigation into the disputed items and provide me with a written explanation of the results within the time frame stipulated by the FCRA. 
Furthermore, I remind you of your obligation under the FCRA to promptly delete or correct any information found to be inaccurate, incomplete, or unverifiable. Failure to comply with these legal requirements may result in further action, including but not limited to, filing a complaint with the Consumer Financial Protection Bureau and pursuing legal remedies.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

The debt is with XXXX XXXX. The debt is not mine. It is of my ex husband. I am tired. I let the debt stay. The debt is in a charge off status and XXXX XXXX has provided me with a letter stating that the status of the loan is in charge of status since XXXX 0f 2018. Equifax and XXXX stated that even though I provided the letter that came from XXXX XXXX  stating that the loan is written off, they will not place the correct status of the loan as written off. Both Equifax and XXXX states that it is not their job to correct the fact that XXXX XXXX  is reporting this wrong to their credit bureaus. XXXX has decided to remove it as they refuse to report incorrect information. I cant make the credit bureaus validate the information so i sent a packet of 14 pages advising them of my rights to have actual and factual credit reporting. they said if XXXX XXXX keeps reporting it to them they will keep reporting it incorrectly. I have been made fun of, spoken to rudely because i simply want Equifax, XXXX and XXXX XXXX  to report that its charges off as stated in the letter XXXX XXXX sent to me. While I will be addressing this later in a lawsuit against all listed. This is causing to my detriment a stop in me getting a mortgage. Please help me at ; least get the fact that this loan is charged off. I have been going at this for months. I need a speedy response with this as i may stay homeless a little longer.
Consumer complaint received 2023-12-14
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. (NY)

MY PERONAL INFORMATION WAS SOLD AND BOUGHT ILLEGALLY BECAUSE I WAS A VICTIM OF THE EQUIFAX DATA BREACH. I WANT THESE ITEMS DELETED FROM MY CREDIT REPORTS EFFECTIVE IMMEDIATELY. I AM ATTACHING PROOF THAT EQUIFAX HAS ADMITTED THAT I WAS IN FACT A VICTIM OF THIS DATA BREACH AND EQUIFAX HAS DONE NOTHING TO FIX THIS. PLEASE HELP ME DELETE THESE ACCOUNTS. XXXX XXXX Account # : XXXX DELETE. XXXX XXXX/ XXXX Account # : XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX Account # : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXXXXXX XXXX XXXX  Account # XXXX DELETE. XXXX XXXX XXXX Bank Account # : XXXX DELETE. XXXX XXXX XXXX Account # : XXXX DELETE XXXX XXXX XXXX  Account # : XXXX DELETE. XXXX XXXX XXXX XXXX XXXX XXXX  ) Account # XXXX DELETE.
Consumer complaint received 2023-12-15
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. (MO)

Every single hard inquiry on my credit report were open fraudulently. I have absolutely no knowledge of any of them. I went to apply for a loan and was denied because of 16 hard inquiries that I had no clue where they came from.
Consumer complaint received 2023-12-15
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)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-14
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 never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.
Consumer complaint received 2023-12-14
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. (WV)

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-15
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. (GA)

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, This is ridiculous and inaccurate. My insurance carrier stated that they rectified these accounts, and said you can not collect debts twice. 

no contracts exist ... grave errorsfalse claim and reportingI want these accounts removed immediately or litigation may follow. 
Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2024-04-15
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: EQUIFAX, INC. (SC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than XXXX  days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-12-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (WA)

XX/XX/XXXX - Order confirmation. Lead time is noted XX/XX/XXXX - Email with customer service verifying production complete but shipping delayed XX/XX/XXXX - Email from XXXX XXXX notifying us of the company being sold/dissolved. 

We used the order lookup tool regularly to see the status of our order. I googled to find the name of the XXXX XXXX and filed a claim in early XXXX A status was also posted on their website and updated until XX/XX/XXXX. 

XX/XX/XXXX - Confirmation of claim and claim form XX/XX/XXXX - Received notification from XXXX XXXX  alerting us about the XXXX XXXX. Note we had already filed a claim. 

I called the XXXX XXXX in XXXX and was told the claims would not be reviewed until XX/XX/XXXX. 

In XXXX the XXXX XXXX  lookup tool was updated to indicate our order would not be fulfilled. I called Wells Fargo to start the dispute process and was told there was nothing that could be done with Wells and that I had to go directly to XXXX to see if that benefit was provided. XXXX said it was not. 

I called the XXXX XXXX again XXXX and was told the claims were under review but that no information was available. 

XX/XX/XXXX - XXXX XXXX  website was updated to indicate no claims will be paid. A dispute was opened with WF. We were told that the XXXX process was to contact the original institution and if no response was received in 120 days the charge would be refunded XX/XX/XXXX - I called and was told that XXXX had submitted the claim in early XXXX and that the 120 day window would expire XX/XX/XXXX XX/XX/XXXX - An email was received stating a different window for resolution. I was confused but didnt call in XX/XX/XXXX - Called to confirm refund was in process. Was told XXXX never accepted the claim and due to a system glitch no one at XXXX noticed, took action or notified me. I was informed they would start their own process that had a 45 day window, but that it was also being escalated to management to see if anything could be done internally. I was told I would be notified in 24-48 hours XX/XX/XXXX - I called today and was told my claim was denied and closed due to the length of time between now and the purchase This is unacceptable. I was given incorrect information multiple times by WF and now they are participating with XXXX XXXX in stealing {$4700.00} from me.
Consumer complaint received 2024-04-15
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX Recently, I XXXX XXXX did an investigation on my credit report and found unverifiable, invalidated, inaccurate and questionable items that Equifax, XXXX, XXXX didnt make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S code 1681 e ( b ) and 15 U.S code 1681i ( 5 ) these accounts are in violations of not reporting 100 % accurate.
Consumer complaint received 2023-12-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

While caring for my mother in late XX/XX/XXXX, I contracted XXXX at XXXX XXXX which is now XXXX XXXX XXXX  XXXX I was admitted to the Florida XXXX in XXXX on XX/XX/XXXX. I spent two days at the XXXX the bill came up to {$120000.00} which my XXXX XXXXXXXX XXXX had paid. Now because of the wrong insurance billing code, the hospital billing staff should have used my other insurance which would have covered all charges without co-pay or deductible. I reached out to the Hospital when I received a bill for {$1300.00} I advised I should have not to pay anything either re-filled the claim with the correct insurance or absorb the charges I have not hurt anything since. On XX/XX/XXXX. I received a credit alert from my XXXX credit report service stating that the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have reported me for collection for unpaid debt. I reached to Florida XXXX XXXX XXXX Department I was told they have no record of me owing them money. The Laws of Debt Collection said they have paperwork of this debt owed to them. I want them to know this is an error I do not owe any money to XXXX XXXX or XXXX XXXX. Please remove this information from all my credit files. I called them again on XX/XX/XXXX they kept ( Florida XXXX XXXX XXXX ) giving me turn turnaround.
Consumer complaint received 2023-12-14
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. (FL)

XXXX credit card is violating my consumer rights by reporting TRANSACTIONS/EXPERIENCES on my consumer report! I demand that they EXCLUDE the following TRANSACTIONS/EXPERIENCES from all of my consumer reports, immediately! This is not asking for verification or if the information is mine, this is a violation of my consumer rights by the XXXX credit card company and reporting agencies, According to:15 USC 1681a- Definitions ; Rules of Construction ( 2 ) Exclusions- consumer report does NOT include : ( A ) ( i ) report containing information solely as to TRANSACTIONS or EXPERIENCES BETWEEN the CONSUMER AND THE PERSON MAKING THE REPORT 15 USC 1681b- Permissible Purpose of Consumer Report I have attached my photo Id for proof of ID ( address is getting changed on DL ) and I have attached copy of my lease for proof of address so you credit reporting agencies can stop using that as an excuse to stall, even though these items have been submitted via certified mail from previous disputes on multiple occasions!
Consumer complaint received 2023-08-15
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: EQUIFAX, INC. (VA)

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 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 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-04-15
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: EQUIFAX, INC. (SC)

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. Please see attached file for these items I am complaining.
Consumer complaint received 2024-04-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.