davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CO)

I am submitting this updated complaint due to a mistake with the original complaint I filed on XX/XX/XXXX, Case Number : XXXX because I wish to bring to your attention an error in the initial submission. 

Upon review, I realized that I mistakenly attributed the complaint to XXXX when it should have been directed towards Equifax. During my interaction with XXXX from Equifax, I received information from her and her supervisor, which forms the basis of this complaint. 

Furthermore, I would like to inform you that I attempted to delete or edit the original complaint but encountered difficulties in doing so. Therefore, I am submitting this message as a new complaint to ensure that the correct information is properly documented. 

I apologize for any confusion this may have caused and kindly request that the record be updated accordingly to reflect the correct entity, Equifax. 

On XX/XX/XXXX, I contacted Equifax and spoke with XXXX regarding 8 paid student loans listed on my Equifax credit report. These loans are marked as 60, 90 & 120 days past due for XXXX, XXXX and XX/XX/XXXX, totaling 24 late payments on my credit report, significantly impacting my credit score. During my conversation with XXXX, I inquired about when these late payments would be removed from my report. She initially informed me that they would fall off in XXXX, as XXXX reported them to the credit bureau in XXXX. However, upon speaking with a supervisor, I was informed that the late payments would actually be removed in XXXX, XXXX, and XX/XX/XXXX, which is 7 years from the original delinquency date. The supervisor also stated that despite the late payments being removed in XXXX, the actual loans will not be removed from my credit report until XXXX. This discrepancy arises because XXXX is reporting them as current, in good standing, and paid as agreed. As a single mother and school teacher, these derogatory marks on my credit report continue to significantly impact my ability to move forward financially. Despite missing only 3 payments in XXXX due to a divorce, these paid loans continue to affect my life and overall well-being. I am actively seeking resolution to this issue and appreciate any assistance you can provide.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

This is XXXX XXXX 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 2023-04-26
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)

I am writing to dispute the accuracy of certain information contained in my credit report that was provided by your agency. I request that you review this information and make the necessary corrections to 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  I believe that this information is inaccurate and incomplete, and I am requesting that your agency conduct a thorough investigation into this matter in accordance with 15 USC 1681a ( 2 ) ( B ) of the Fair Credit Reporting Act. 

Pursuant to 15 USC 1681 ( 2 ) ( B ) Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a " credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which states, " The term " CREDIT CARD '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. '' Notice, Congress said " ANY '' card. 

The credit card is my social security card. This is the credit card used to originate every consumer credit transaction ON MY CREDIT REPORT. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41 I request that you review this information and make the necessary corrections to my credit report. 

Additionally, I would appreciate it if you could provide me with a copy of my credit report once the investigation is complete, as provided for under the FCRA. 

Thank you for your attention to this matter.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Notice of Dispute and Request for Correction of Consumer Report Information Dear Sir/Madam, I am writing to bring to your attention several inaccuracies and discrepancies present on my credit reports maintained by your respective agencies, XXXX, Experian, and XXXX. Pursuant to the provisions of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681a and the Privacy Act of 1974 ( U.S. Code 552a ), I hereby assert my rights to dispute and request correction of the information contained within my consumer reports. 

As per the FCRA and Privacy Act, a consumer report is defined as any collection or grouping of information about an individual, including but not limited to their financial transactions, maintained by an agency, and containing their name or other identifying particulars. Furthermore, the law stipulates that no agency shall disclose any record contained in a system of records to any person or entity without prior written request or consent from the individual to whom the record pertains, except as provided under specific circumstances. 

Upon reviewing my credit reports, I have identified several accounts that are inaccurately reported. The following accounts contain erroneous information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Account Number XXXX I want to make it explicitly clear that as of XX/XX/XXXX, I hereby revoke any consent, whether it was given knowingly or unknowingly, for the dissemination of my information to your agencies by any of the mentioned companies or entities. 

I demand that you either mark these accounts as paid and never late or remove them entirely from my consumer reports. 

I am giving you a period of 10 days from the receipt of this letter to rectify these inaccuracies. Failure to do so will leave me with no choice but to pursue legal action. Under the provisions of the FCRA, I am entitled to seek damages for each violation, and I will be seeking a total of {$8000.00}, which amounts to {$1000.00} for each violation. 

Please take this matter seriously and act promptly to resolve the discrepancies on my credit reports. Enclosed with this letter, you will find copies of relevant documents for your reference. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-26
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. (OH)

Due to a update of my credit report to all three credit bureaus. I founded numerous inaccurate/unauthorized fraudulent accounts. 
That are in violation of FCRA. 
15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions of consent.

15 USC 1602 The terms : ( h ) " credit sale '', ( i ) " consumer '', ( j ) '' open end credit plan '' and " open end consumer credit plan '', ( p ) " unauthorized use ''  15 USC 1611- Criminal liability for willful and knowing violation ( 1 ) gives false or inaccurate information of fails to provide information which he is required to disclose under the provisions issued thereunder. 
Neither bureaus ( Transunion, XXXX and XXXX wasn't willing to accept my proof by phone or mail. That's why I'm submitting a letter as exhibit A. and exhibit B. is a complaint to FTC in Identity Theft .... 

Thanks In Advance!!!!
Consumer complaint received 2023-12-27
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. (NC)

Transunion has harmed my credit worthiness, yet again! I am XXXX XXXX XXXX the consumer, in fact. On XX/XX/2023, Transunion allowed XXXX XXXX XXXX to report an un-investigated report that XXXX communicated they received from XXXX. This is the 2nd collection agency that XXXX has sold my personal information to without MY written consent and MY knowledge! Transunion has a grave responsibility to make sure that my credit report shows accurate information and not harm my protected right to privacy.
Consumer complaint received 2023-11-02
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)

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 of complying 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 failed 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
Consumer complaint received 2024-04-02
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. (IL)

I believe FCRA 605B mandates the elimination of erroneous entries from my credit history. Could you review the documents? Some of the mentioned entries are flawed in terms of reporting, with inaccuracies in amounts and dates.
Consumer complaint received 2023-09-26
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 Account Number : XXXX Account Name : 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.

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 2023-05-30
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. (CA)

Im filing a complaint to you today to inform you I was the victim of identity theft and I want the erroneous accounts in my credit report to be removed immediately. I already sent the necessary documents and files in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this website. Here are the accounts that are erroneous in my file and need deletion : XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX ... Balance : {$39000.00}
Consumer complaint received 2023-09-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PNC Bank N.A. (CO)

PNC assesses escrow in the middle of the year and then tacks on a " shortage '' fee if you dip below an amount they set. This review seems to come right after they pay your taxes/insurance and then they hit you with a large " shortage '' fee which they add as an escrow advance then raise your mortgage payment. 

In XXXX XXXX XXXX we asked that the insurance/taxes be removed from escrow and we would pay on our own. It was told to us that there would be a fee to remove them and we could not remove them at the same time. We then asked to have insurance removed from the escrow. We were sent a form to fill out, which we mailed to address given. ( Meanwhile we are being charged over {$50.00} more on our mortgage to cover the " shortage '' which they graciously extended over 24 months ). The form was returned undeliverable. We called and were given an email address to send it to. After months, they claim to have never received, meanwhile we continue to pay the extra shortage fee. 

We have placed multiple calls, done multiple chats and still no resolution after 10 months. We set up the insurance to be paid by us, paid in full, PNC refuses to acknowledge this even after receiving notifications from our insurance company that it was paid, sent payment again, then charged us another " shortage '' fee. 

After numerous calls and an escalation with : XXXX XXXX XXXX XXXX XXXX PNC Bank ( p ) XXXX ( f ) XXXX XXXX we are being told we are unable to remove our insurance and taxes from our escrow due to PMI. 

We have been struggling for over 10 months with no resolution, only to be told that we CAN NOT remove our insurance after being told we could, being sent jumping through hoops, being told they didn't receive our information, do this, do that, then come back with this answer. 

If they assessed the escrow at the end of the year, and not in the middle ( right after taxes are paid ) there would be a very minimal " shortage '' of the escrow, if any. Consumers are being taken advantage of by being charged " shortage '' fees in the middle of the year, when it would even itself into the green over the course of the year.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA -you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be Verified You are reporting inaccurate and/or incomplete information concerning me in consumer reports. Your conduct has caused me distress and financially harmed me with costs and loss opportunity. 
The following ACCOUNT you are reporting concerning me is inaccurate and/or incomplete : : XXXX XXXX The account is inaccurate
Consumer complaint received 2023-02-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated (WI)

Back In 2020, my vehicle was stolen at XXXX XXXX. Inside of my vehicle there was alot of paperwork with all my information that was stolen from vehicle. I have no knowledge of this account and it is identity theft. I have requested for this account to be removed from my account on several occasions but the creditor is refusing to remove it even though they have to evidence to prove that this account belongs to me.
Consumer complaint received 2023-12-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MD)

XXXX around XXXXXXXX XXXX I went to the Chase bank XXXX XXXX XXXX XXXX XXXX city location to withdraw {$3500.00} from my chase saving account. I provided the teller with my Us passport I was told I needed a second form of ID due to the amount either a bank card from any other financial institution or a work ID badge. I left the branch went home retrieved my XXXX XXXX government CAD card which is my work ID and my XXXXXXXX XXXX debt card I went back to the bank gave the teller the two additional forms of ID she requested she then asked did I have my chase debt card I told her no I misplaced the debt card weeks ago she called her branch manager over he asked did I have my cell phone on me I told him no he said its nothing he could do to help me without my cell phone or debt card so I left the branch went back home and retrieved my cell phone. I went back into the branch with cell phone in hand provided my the branch manager XXXX XXXX XXXX with my passport, work id and XXXX XXXX debt card then asked to close out my account. I requested a check for the remaining balance in my account after the {$3500.00} cash was withdrawn. The branch manager took my documents began processing my transactions then told me the system wouldnt allow me to take any money out it was locked he never asked me to retrieve any information from my cell phone he told me he was going to give me back my documents and let me out the bank. I told him this didnt make sense I provided him all of the required requested information. I he said I could only get {$3000.00} from the atm but I needed {$3500.00} and the remaining balance in my account withdrawn in a check. I pulled out my phone to begin recording what was going on because I knew it wasnt right he then said he wouldnt be able to help me since I was recording even though the bank had cameras recording me at that very moment. He then called the police the officer arrived and told me he would arrest me for trespassing if I didnt leave I was crying and very frustrated confused and in disbelief I was being treated this way when I did everything required of me and I was never told the documentation I provided to prove my identity wasnt sufficient. The officer told me the bank no longer wanted to do business with me and they could refuse service for no reason and not provide me with any of my money which I know is untrue. I filed a complaint on the responding officer and called chase customer service line I was told no one is required to reach out to me regarding this matter.
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MD)

To Whom It May Concern : PLEASE RESTORE MYEQUIFAX.COM ACCOUNT. WHEN I LOG INTO MY ACCOUNT, I CAN NOT SEE ANYTHING WHEN I LOG INTO MYEQUIFAX.COM ACCOUNT. THIS SEEMS TO BE AN ONLINE WEBSITE TECHNICAL ISSUE. PLEASE FIX THIS. I CAN NOT SEE MY REPORT, MY SCORE, AND ALL MY INFORMATION IS WRONG. PLEASE CORRECT AND UPDATE MYEQUIFAX.COM ACCOUNT PLEASE. I HAVE CALLED MULTIPLE TIMES OVER THE PHONE AND NOTHING HAS NOT BEEN RESOLVED. I WAS TOLD THE TECHNICAL SUPPORT TEAM WOULD FIX THIS, BUT IT HAS BEEN OVER 1 MONTH SINCE THIS ISSUE HAS NOT BEEN FIXED. PLEASE FIX THIS ISSUE. I HAVE ATTACHED PROOF. 



Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Consumer complaint received 2023-12-27
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. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Director Consumer Financial Protection Bureau [ CFPB Mailing Address ] Attn : XXXX XXXX, Complaint Subject : Opting Out of Authorization and Request for Corrections Dear XXXX XXXX, I am writing to inform you, as a federally protected consumer under the FCRA, that I am opting out of any and all authorizations provided under 15 USC 6802. This opt-out includes written, unwritten, verbal, and non-verbal authorizations and is effective immediately and indefinitely.

Upon reviewing my credit reports, I have identified several issues that require your attention. It has come to my notice that third-party reporting agencies are disclosing my private information to all three credit bureaus, violating my Privacy Right under the Privacy Act of 1974.

Additionally, there are charge-offs listed on my credit reports, which I believe should be considered a " Certificate of Indebtedness '' and removed, as income can not be reported to my credit report according to the law.

I would like to bring to your attention that all my bank accounts are insured under 15 USC 1681, and I have not received any interest or payment. I provided a security under 16 CFR 444.1.