davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-08
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 have consistently contested the inaccuracies in the following information with Equifax, XXXX and XXXX, and unfortunately, the issue remains unresolved to this day. 

1. The following personal information is incorrect Former : XXXX XXXX 2. The following personal information is incorrect Previous Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 3. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 8. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 9. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 10. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The account is reporting inaccurately and must be removed from my report. 
XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX. The following personal information is incorrect Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 3. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 5. The inquiry was not authorized XXXX  XXXX  Date of inquiry : XX/XX/XXXX 6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 9. The inquiry was not authorized XXXX  XXXX  Date of inquiry : XX/XX/XXXX 10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 11. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 13. The inquiry was not authorized XXXX Date of inquiry : XXXX14. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 15. The account is reporting inaccurately and must be removed from my report. 
XXXXXXXX XXXX XXXXXXXX Account Number : XXXX The account is reporting inaccurately and must be removed from my report. 
XXXXXXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2018-12-21
Product: Credit reporting, credit repair services, 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. (TX)

I have received recent credit reports from XXXX, Transunion and XXXX. On them, I am seeing several hard inquiries that I am not familiar with. I have not applied for credit in over 3 years, yet new inquiries are on each credit reporting companies reports? I have not authorized any such permission and my account should be on a fraud alert, triggering someone to contact me.
Consumer complaint received 2023-08-08
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. (TX)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 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 2023-10-30
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (TX)

I contacted Synchrony regarding a charge off from Amazon in an attempt to settle the account. 

After speaking to a representative, I was told a 1099-C had been issued and the debt had been forgiven, so no payments could be made on the account. Synchrony continued to report the balance as {$1000.00} owed even with a 1099-C issued and telling me that I was not allowed to make payments on the account. 

How is it possible a balance is owed yet Im not allowed to make payments on it because the balance has been forgiven? I have disputed through the CRAs and Synchrony continues to report the balance as {$1000.00}
Consumer complaint received 2024-04-19
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. (TX)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 2023-12-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (KY)

XXXX 2021, amount of XXXX to collect is Not accurate on my credit report. 
*I had called the company was told I had a lawsuit on me to pay the debt and that amount is not right! 
* So the rep told me to email for correspondence an I have gotten no reply back
Consumer complaint received 2023-05-20
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: Experian Information Solutions Inc. (MA)

I am very thankful for your help to REMOVED the erroneous information in my credit file that came about because of a FRAUD yet there are some items that passed on that should be taken out. Per FCRA segment 605 you are expected to delete any records recorded. I've proactively remembered this report for a past letter and I am including it once more.I 've been contacted my lawyer regarding this matter.. The following items needs to be removed : XXXX XXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$4500.00} ; XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/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 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I looked over my credit report on XX/XX/2024, and I found some addresses that appear to be incorrect. According to the Fair Credit Report Act, 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. 

Experian continues to report my name, my address, and phones number incorrect on my credit report. I reached out to them through phone and explained them that the only correct name XXXX XXXX XXXX, the correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and the only correct phone number is ( XXXX ) XXXX.
Consumer complaint received 2023-12-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (PA)

I am reaching out to address an urgent matter within your department that requires prompt resolution. My records indicate that your agency has placed the account associated with XXXXXXXX XXXX into Collection. I am seeking clarification on the validity of this debt and kindly request that you comply with the necessary requirements outlined on my letter.
Consumer complaint received 2023-08-01
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. (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. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or 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.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Urgent Complaint Regarding XXXX 's Intentional and Malicious Violation of 15 U.S. Code 1681c-2 FTC Report # XXXX FTC Identity Theft Report Number XXXX ; File Number XXXX and Demand for Monetary Damages from XXXX for Willful Violation of the FTC Act Per 15 U.S. Code $ 1681c-2, a consumer reporting agency shall block the reporting of any information in a consumer 's file that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days, and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 

Accounts on the FTC Report per XXXX File dated XX/XX/XXXX, are listed as accounts with Adverse Information. This again is INCORRECT as the fraud was discovered in XX/XX/XXXX, and XXXX was notified immediately. 

Under 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I demand the deletion of the accounts listed immediately! 
Best, By : AUTHENTICATED SIGNATURE Agent for XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-30
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 XXXX XXXX XXXX. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2024-03-28
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: Experian Information Solutions Inc. (OH)

I am writing to dispute certain inquiries on my credit report that I believe to be inaccurate and unauthorized. Upon reviewing my credit report, I noticed several inquiries that I do not recognize or recall authorizing.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

The glaring absence of tangible evidence validating its accuracy, along with the dissemination of unsubstantiated information, represents a clear breach of the legal framework delineated in 15 USC 1681i ( 7 ). This regulatory violation is not only disheartening but also frustrating, given the imperative for compliance. Thus, I strongly advocate for the expedited removal of this account in accordance with the law, unless sufficient evidence is promptly provided to validate its legitimacy. Failure to address this issue promptly only exacerbates the frustration stemming from the disregard for legal standards.
Consumer complaint received 2023-08-30
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. (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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2023-08-30
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2024-03-28
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. (CA)

Last year i found out that i was a victim of identity theft. Just recently i found out that my old roommate XXXX XXXX used my information to obtain 2 auto loans from XXXX XXXX XXXX. I need these 2 fraud accounts to be removed from my credit
Consumer complaint received 2023-10-30
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'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 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 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've learned that the creditor didn't provide the necessary 21-day 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 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report 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 that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} 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 2023-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (OR)

A personal check that I mailed via a XXXX mail drop on XX/XX/2022, was subsequently stolen and cashed. It was cashed on that same day after the thief changed the name on the check as to who is was made out to. 

When I wrote the check, it was made out to XXXX XXXX XXXX XXXX XXXX XXXX. 
I had no reason to think that there was anything amiss with my check until approximately 2 months later when the bookkeeping firm that should have received my check, emailed me to say that they had never received my HOA dues for XX/XX/2022. I had no idea what they were talking about. I checked my bank statement. It showed the check # XXXX having been cashed on XX/XX/2022 for {$820.00}. The transaction looked exactly as it had looked every month for a number of years. 
It was only when I clicked on the small check icon and opened the check view, that I realized that someone had changed the Name on the check and cashed it. It was at this point that I contacted Chase to let them know what had occurred. 
I went into my local Chase bank that day to get things straightened out. I was told that I would have to make an appointment and to come back the following day. When I returned the following day, my current checking account was closed and a new one opened. 
I contacted Chase on several occasions about this matter. They kept telling me that they could not reimburse my checking account for the {$820.00} because I did not report the issue within their 30 day timeline. I told them, repeatedly, that I didnt know it had occurred until my XXXX bookkeeping company contacted me approximately 2 months after the check had been cashed. They didnt care that I didnt know it had occurred within their 30 day period. I called them 3 times only to get the same reply each time. 
I received a letter from them on XX/XX/2022. It stated : Your claim has been denied because your time frame to request reimbursement has passed. 
As I mentioned previously, the transaction on my online statement looked identical to every other transaction that I had made with my XXXX company. The thief did not change the check number or the dollar amount. Therefore, I had no reason to think that anything amiss had occurred. 
I have been a customer of Chase Bank for over 50 years. I am appalled that they will not cover the {$820.00}.