davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-09
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-09
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX  XXXX Balance : {$1300.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$7100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$640.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-04-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (IN)

On XX/XX/XXXXXXXX I went to Chase Bank in XXXX Indiana to obtain {$240.00} from my Business Account. The clerk & I had an argument & told me to get out of the branch. Next day,XXXX I went to a different Chase in XXXX XXXX Illinois to draw my {$240.00} from business account. Then, I tried to do bank transaction with my personal account, & I found out my account was not active. Branch manager called costumer service to find out & I was told that Chase Bank decided to closed my account & didnt want to do anymore business with me. I requested my for my funds but they said the bank will send me the funds in 7/10 business days. I called them again, I was told to go back any Chase bank & I will be a the branch manager discretion to give my funds {$5400.00} or not. Anyway I have told different versions by different employee but I never got my funds, a date, neither a reason why Chase close my account nor why I can draw my funds.
Consumer complaint received 2023-02-24
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 — Investigation took more than 30 days
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. 


XXXX XXXX : XXXX XXXX - has violated my rights XXXX XXXX XXXXXXXX XXXX XXXX XXXX - has violated my rights XXXX  XXXX : # XXXX - {$2900.00} - has violated my rights UNAUTHORIZED INQUIRIES : XXXX XXXX has violated my rights 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 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 2023-10-05
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. (GA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (GA)

I reached out to Best Buy Store Card to increase my credit limit. They suggest I call and speak with representative. I did so, clearly stated I didn't want a hard inquiry on my report. I said the credit increase wasn't that important for a hard inquiry. She assured me it wouldn't be a hard inquiry. 
I was approved for the increase yet, Here we are 10 days later, and sure enough it was hard inquiry when I specifically said No to hard inquiry.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc. (NH)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Kikoff is a consumer reporting agency and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) The financial institution and the Consumer reporting agency Kikoff do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Kikoff, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) 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 1681s2 ( 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 1681e 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. Kikoff is 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 Kikoff reporting services.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

In accordance with the Fair Credit Reporting Act XXXX   the following account names and numbers have violated my rights XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 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 : also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

To whom it may concern Trans Union is Reporting Collections from XXXX and XXXX XXXX  XXXX XXXX XXXX XXXX as an " OPEN ACCOUNT '' which is not under FRCA compliance This is inaccurate reporting and needs to be deleted immediately
Consumer complaint received 2023-12-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION (GA)

On Thursday XX/XX/23 me and my husband XXXX XXXX XXXX deposit an {$4500.00} check from his XXXX account XXXX XXXX XXXX XXXX into our PenFed  account. We did know that it will take about 5 business days for us to received our funds from the deposit. We already had funds in the account from both of our paycheck. Once we deposit the check it did give us an amount of {$3000.00} plus funds from our paycheck. A rep called me on Friday XXXX XXXX XXXX to verify to make sure that my husband was on the account and not deposit in an individual account. Rep stated to verify my husband name and I did. Then the rep apology saying that he was sorry for calling me, because he do see my husband on the joint account. First of all when PenFed pulled up the account, they should have saw my husband name on the account along with mines. When I checked the account after the rep hung up with me. The balance was XXXX XXXX. After XXXX, I notice that our account was an negative XXXX XXXXXXXX. Which the account should have not been negative. I'm really upset with PenFed, because we have deposit an check before from XXXX XXXX in the amount of $ XXXX from his XXXX and we never had a problem. So, now we don't have any money for XXXX to spend on our family. After our account is cleared with PenFed we will be moving our membership to another bank.
Consumer complaint received 2024-04-09
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)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-29
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

On XX/XX/XXXX, XXXX ARS ACCOUNT RESOLUTI added a derogatory mark on my XXXX credit report per XXXX XXXX. Upon further research, Debtors creditor did NOT verify this collection. Also, there was NO written form of communication, contract or SIGNATURE for this accused debt at all. A billed without a signature does NOT validate the debt. According to the FCRA. ARS ACCOUNT RESOLUTION has violated my rights as a consumer and per the HIPAA/PHI law and I am requesting legal action to remove this account immediately from my report. I have also sent certified letters to this company and they have failed to validate a debt that is not mine.
Consumer complaint received 2024-02-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TransferWise Ltd ()

Dear TransferWise Support Team, I hope this message finds you well. I am writing to you with utmost sincerity and a strong desire to resolve any concerns that may have led to the closure of my TransferWise account. 

I recently received notification that my account has been closed, and I understand the importance of complying with TransferWise policies. I deeply value the services provided by TransferWise and wish to rectify any issues that may have contributed to this decision. 

I work as a XXXX providing services to multiple clients, and my TransferWise account plays a crucial role in managing my financial transactions efficiently. Being a XXXX, timely and reliable access to my funds is vital for both personal and professional reasons. 

I kindly request you reconsider the closure of my account, and I am committed to addressing any concerns or rectifying any issues that may have led to this decision. I understand the importance of security and compliance, and I assure you that I am fully committed to adhering to TransferWise 's policies and guidelines. 

If there are specific reasons for the account closure, I would appreciate detailed information or guidance on how I can rectify the situation. I am more than willing to provide any necessary documentation or information to verify the legitimacy of my activities and transactions.

I sincerely hope for the opportunity to continue using TransferWise for my financial needs and believe that, together, we can find a resolution that ensures compliance with policies while allowing me to benefit from the services your platform provides.

Thank you for considering my appeal. I am looking forward to your prompt response and guidance on the steps required to reactivate my account. 

Best regards, XXXX XXXX
Consumer complaint received 2024-04-09
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX 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 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/2019 I made the last payment in an account that was them closed from Capital One. This occurred due to severe medical issues with my father and family separation. Due to this I would like to have this removed from my credit report as it is not an accurate representation of my credit history.
Consumer complaint received 2024-02-06
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NY)

Re : case # XXXX XXXX XXXX On XX/XX/year>, I received an email from Citibank stating my account was closed because of a periodic review of my credit report and, as per my XXXX report, sufficient of my revolving accounts with a balance near my limits. I have always been on time on all of my accounts. This does not make any sense. For the cards in question, my credit limit was decreased by the companies who issued the cards, and this was not because of nonpayment. 
I never received the letter they claimed that was mailed to me.
Consumer complaint received 2024-02-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC (CA)

Greetings, My name is XXXX XXXX and my Loan # is XXXX. Back in XXXX I purchased a home and set up auto pay. After one month I found out my loan would be serviced by LoanCare LLC. I waited for some contact, but apparently the contact information regarding how my loan would be handled and the loan number were mailed to a house I was not living at yet and did not have a mailbox. When I received the initial loan, my current address, email and phone number were given to the originator of the loan.. 
I called in at the start of XXXX, when no one had reached out to me from LoanCare, and I was told everything was good, just make your payments going forward and everything would be fine. 

Later I found out that I was in a 60 day grace period when I started receiving letters to my address that showed I had late fees. I called in and it was explained to me about the grace period and we worked out a repayment plan. On the same call they let me know that since the account was past due, my auto pay would not work. 

In XXXX I went to manually make the XXXX payment and from my bank account I could see the auto pay tried to come out at the same time. There was not enough money to handle the mortgage payment twice. This was attempted again before I could get things cleared up and get the payment in. By the time I could get the payment in, the report to my credit was already going to be made. 

I have since made up the payment, that should have never been behind, and LoanCare customer service removed all the late fees except one. They recommended I write a letter detailing what happened in hopes this situation could be cleared up and my credit be changed to reflect good standing and no late payments. Instead they denied any error in reporting and I assume they feel the situation did not warrant any further steps by them. 

Thank you in advance for your time and consideration. I hope this letter finds you well. 

Very respectfully, XXXX XXXX XXXX XXXX ~ XXXX XXXX
Consumer complaint received 2023-08-29
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: Open Dealer Exchange, LLC (MO)

I am writing to request the removal of unauthorized credit inquiries on my name of the credit bureauXXXX, XXXX and or XXXX credit report/credit inquiries that i did not authorize.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

15 U.S. Code 1681e - Compliance procedures ( ACCURACY OF REPORT ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. produce all documentation everything associated with account Produce original contract and auction receipt payment insurance loan insurance XXXX XXXX