davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (SC)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-23
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. (LA)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 714,719, I presume that no proof of the alleged debt, nor therefore, and such debt, in fact therefore exists. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.
Consumer complaint received 2023-05-28
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: EQUIFAX, INC. (IA)

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, DEPT OF ED XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX BANK, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX  XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, DEPT OF EDXXXX XXXX XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX - XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A. STATES I have a right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-09-15
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. (NC)

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 2024-07-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (PA)

XX/XX/year> - I called US Bank. Asked why I am no longer receiving monthly email notifications stating that my Cash Back Signature credit card statement and bill is available to view online. Spoke with : XXXX, XXXX and XXXX and got no answer as to why. XXXX sent a request internally for someone to resend an email notification - I received the manually generated email, but without calling US Bank, I would not have received the bill notification. 

In addition, I have another US Bank credit card which is a XXXX XXXX card. Until XX/XX/year>, I received a separate email statement and bill notification for each credit card for years with no issues. Now, all of a sudden I am not receiving the email notification for only the Cash Back Signature credit card, I confirmed the correct email address is stated on my online account. 

XX/XX/year> called US Bank again about this same issue. Received no assistance from : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. It seems to be impossible to get assistance. I should not have to change my email address to " test '' US Bank 's system. 

I am only receiving manually generated email notifications for my Cash Back Signature card. I am not receiving an automatically generated email notification. If a manually generated email can be received by me, then why is the automated email not received? 

As stated above, I received email notifications for both of my US Bank credit cards on the same day and at the same time of day, so what has changed since XX/XX/year> so that now I only receive an email for one credit card and not the other. 

I rely on these email notifications to ensure that I download, print and mail my payment on time as required by US Bank.
Consumer complaint received 2024-07-11
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

I moved out of my apartment and paid the lease fee and other additional fees that were owed. I asked for proof and received the document showing that I did not have a balance and everything was paid. 
Months later, I was told I had a balance to pay and they couldnt show me proof of how. 
I didnt want this to affect my credit score so out of fear I made payments. This had caused me mental and financial XXXX. I feel like I do not have a right and that they just wanted more money from me. I am scared that this will affect my credit score if I dont continue payments but I am not responsible for this debt and they provided documentation after I paid that I do not owe money.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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


Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : Untitled 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. 

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 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

As of Late I seem to have a problem with all three Bureaus ( Transunion, XXXX, and XXXX ) I contacted them all numerous of times on the inaccurate information being reported on my credit profile and the information still remains. I wanted to know what was the status on removal of the collection debt ( The XXXX XXXX Account : XXXX # # # # ) This account has inaccurate information across the board from the ( Opening date, Closing date, Last reported date, Name, and address ). This is in violation of 15 U.S.Code 1681i Procedure in case of disputed accuracy all information reported on any credit report should have 100 % accuracy when furnishing data. Also there are three inquiries that are supposed to be removed as well however they are still on TransUnion and is not on XXXX or XXXX. The Inquiry Accounts were XXXX XXXXXXXX : Report Number ( XXXX ), XXXX Report number ( XXXX ), and XXXXXXXX XXXX XXXX Report number ( XXXX ). With that being said this is also a violation of his is in violation of 15 U.S.Code 1681b. This is causing detrimental harm to my credit report, life, living circumstances and according to FDCA 15 U.S. Code 1692k - Civil liability in the case of any action by an individual damage sustain by such person should receive not less than {$1000.00} and no more than {$500000.00} per violation. For my consumer rights being violated I will accept {$2500.00} per violation as compensation for my pain and suffering.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

XX/XX/scrub>XX/XX/2018 balance should have been paid off. The company is XXXX XXXX. They didnt report to XXXX XXXX XXXX XXXX XXXX and experian that car was was paid in full and dispute should be off report.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On my credit report, there shows a charged off account with a balance of {$610.00} from XXXX XXXX XXXX. There also is a a collection account from XXXXXXXX XXXX  XXXX, showing a balance of {$610.00} I would like both of these accounts to be removed because they are reporting false information because because a charge off which has been placed in collections, should report a XXXX  balance
Consumer complaint received 2018-12-22
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: ERC (GA)

XX/XX/2018 I noticed there has been a negative and inaccurate reporting on my XXXX credit report that had been removed previously and I put a freeze on my credit report prior to this negative reporting. I called the company and requested more information about this alleged debt and even gave my current address and I never got the demand notice or any details about this account. I called XXXX and asked was this account verified before being put on my credit report and they said no but i can do a investigation. I asked what was the purpose of me doing a freeze on my credit report to protect my score if XXXX  was going to allow companies to place inaccurate accounts and get money from me that I dont owe. After the investigation was done XXXX  removed the account and sent me a notice saying it was deleted. 3 Months later I applied for a business line of credit for {$45.00} and this was not a hard pull however they review the tradelines and collection account and available credit. I was denied the loan due to this same account put back on my credit report that didnt belong to me. I was furious about this same account and i called XXXX  again and another investigation was done and XXXX rep stated it was accurate and it was kept on my credit report causing my score to drop from a XXXX to XXXX according to the loan people where I was trying to get a business loan from. They told me this account from XXXX  caused me to get denied. I told XXXX  I never had a contract agreement with XXXX. Aftergoing back and fourth with XXXX  and asking for a deeper investigation and got no help from them I called the company that placed this bogus account on my credit report and they had no correct information on me. they didnt have my ss # so how they put it on my credit report is beyond me. They had all wrong addresses, the wrong place of employment and wrong date of birth. I guess they put it on a credit report of a person who has the same name as the person they are lookng for. after the irrate calls i had with many XXXX rep they finally looked into it and the company said they have no information matching me in their system and then had the nerve to ask me to send in my correct name and social security number and date of birth so they can make sure and I hung up the phone so quick because it didnt sound right. XXXX  finally removed it after it caused me to lose my business loan that cause me to lose out on business and money. XXXX  never verified the debt or they would have known this was not mine and the company kept re adding this to my credit report. My rights have been violated and XXXX  has violated my rights and placed false and misleading information on my credit report and deafirmation of character. I am looking to sue the collection agency and XXXX per violation. alot of rules of the FDCPA was broken, FTC AND CFPB AND FCRA.
Consumer complaint received 2024-07-10
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BMO Bank, N.A. (CA)

I opened a BMO Alto account on XX/XX/year>, to take advantage of their high interest rate. My plan was to put 11 months of mortgage payments into this account, and then transfer one month at a time into the bank account from which my mortgage is automatically withdrawn. 

I funded my BMO Alto account on or around XX/XX/XXXX with two deposits totaling $ XXXX. On XX/XX/XXXX, I requested a $ XXXX transfer to XXXX XXXX. This request resulted in my account being frozen due to suspicion of fraud. BMO requested a photo ID, and an un-redacted monthly statement from the funding bank, which I provided. I called the fraud department multiple times trying to get a status on the investigation, and of course offered to provide as much clarity as they needed. The fraud department phone reps were unhelpful, uninterested, and in some cases uninformed about their own company policy and procedures. 

After six weeks, BMO Alto finally closed my account on XX/XX/XXXX. I called their customer service number, and was told it would take 2-3 days to return my money to the funding bank. Ten days later nothing had been transferred. When I called the BMO Alto customer service back, they connected me to the fraud department, and I was told this time that there is no timeline on which the money will be returned. They could not even give me a range of dates. It is now XX/XX/XXXX, almost a month after my account was closed and I have no communication from BMO Alto as to the status, and I don'e have access to critical mortgage funding. The BMO Alto organization does not care about its consumers.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-12-22
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (FL)

In XX/XX/2009, I took out a loan from XXXX XXXX  for XXXX dollars. I immediately began making payments of XXXX dollars every month for nearly 10 years. My interest rate for this loan was a ridiculous 13 percent. 

The loan was sold off to other companies and now it is owned by Navient. After making on time payments for nearly 10 years, and paying approximately XXXX dollars, my balance today sits at XXXX dollars. More than double the original loan amount. 

This is predatory lending. I will not be making any more payments to this company. 

Any attempts I have made to settle the loan have been ignored by Navient. When inquiring about a new payment plan with more affordable monthly payments, they tell me I need to get another job or borrow money from my family. They have no solutions. 

I am a XXXX XXXX  and I am at my max capacity as far as hours go.
Consumer complaint received 2024-07-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

I am writing to formally complain about the recent closure of my account without prior notification from Chase Bank. This action has caused severe financial distress as I was not aware of the closure, resulting in delays in receiving my paycheck and subsequently falling behind on paying my rent. 

On XX/XX/year>, I discovered that my account was closed by calling the customer service line. This closure directly impacted my ability to receive my paycheck deposit and has put me in a difficult situation where I am unable to meet my financial obligations promptly. 

I understand that banks have a fundamental responsibility to notify customers in advance of actions that could disrupt financial transactions and direct deposits. The failure to inform me of the account closure has not only inconvenienced me but has also caused significant stress and financial hardship. Despite receiving promotional emails and statements until XX/XX/year>, with no indication of impending closure, I was caught off guard by this sudden decision. 

As a result of this mishandling, I am compelled to actively dissuade others from choosing Chase Bank for their banking needs. 

I kindly request a thorough investigation into this matter and seek an explanation for why I was not informed about the closure of my account promptly. Additionally, I request prompt action to rectify this situation, including any necessary steps to ensure that similar incidents do not occur in the future for any other customers.
Consumer complaint received 2024-04-19
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. (LA)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the credit
or to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"