davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-13
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. (WI)

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 XXXX Account Number : XXXX Account Name : 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 2023-12-12
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: EQUIFAX, INC. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-12-12
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 stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Consumer complaint received 2022-12-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX  the Account Name ( XXXX XXXX XXXX ) with ACCOUNT NUMBER ( 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
Consumer complaint received 2023-12-12
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)

There are several inaccuracies on my credit report due to fraudulent activity. 
I've raised my concerns to all three credit bureaus and the companies as well. These reportings are hindering me from purchasing a home and obtain credit. I've recently refiled a fraud notice with all three credit bureaus. I will note each account and the information down below. 

XXXX XXXX XXXX XXXX  XXXX ( partial acct : XXXX ) - balance reporting as {$770.00}, paid closed- written off. 
I have no knowledge of this account. I have no knowledge of this account and believe it to be a result of the fraud that was done on my name/accts. 

XXXX ) XXXX XXXX XXXX  ( partial acct : XXXX ) - $ XXXX charged off I have no knowledge of this account and believe it to be a result of the fraud that was done on my name/accts. 
also reporting twice as charge off, which has dropped my credit score significantly. 

XXXX XXXX XXXX XXXX XXXX ( partial acct : XXXX ) written off {$430.00} I have no knowledge of this account, and believe it to be a result of the fraud that was done on my name/accts. 

XXXX ) XXXX  ( partial acct : XXXX ) - balance {$550.00} This account was paid off- I noticed that for XXXX  years they have been reporting it as a charge off! Please assist with the removal of this account from my credit report. 

XXXX ) XXXX XXXX XXXX ( XXXX ) - closed paid this account belonged to my father who has since passed away in XX/XX/2023. I was a authorized user on his account as I handled his finances. Please assist with the removal of this account. 

XXXX ) XXXX XXXX XXXX ( Equifax, XXXX ) - charged off this account was paid- and should be removed from my credit report. It appears that it has been removed from XXXX correctly, yet Equifax and XXXX have not done so. 
please assist the removal of this account. 

I have submitted copies of police reports that I filed when my belongings were stolen. 
I had to get new checking accounts, and other accounts to prevent further fraud. I ask that this information be communicated to the three credit bureaus and the information be removed from my report ASAP.
Consumer complaint received 2024-03-25
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)

I want to address some inconsistencies that I have identified in my personal credit report. These inaccuracies are having a significant impact on my financial standing, particularly in relation to my ability to own a home. While I understand that errors can occur, I have researched the dispute process and am aware of the required investigation time-frame of XXXX days. The other bureaus have already removed these accounts from their records, following the submission of my FTC report citing the identification of an error. I am puzzled as to how these accounts were verified by your bureau while other bureaus have successfully removed them. Therefore, I request the immediate deletion of these accounts from my file as they are inaccurate, erroneous, incomplete, or unverifiable. 


XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-12
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. (TX)

This is in reference to complaint XXXX. 

I have submitted more documents in connection to the complaint that has been filed against Equifax on XX/XX/2023 regarding inquiries reported to my profile. XXXX Refer to prior complaint made on this same day XXXX
Consumer complaint received 2023-11-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am a victim of identity theft. I submitted paperwork according to the FCRA and submitted it to the credit agencies. I have also asked for copies of the verification process and not gotten them. 

These are the accounts : XXXX XXXX XXXX XXXX by XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-12
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. (IL)

I have a pending lawsuit against all 3 credit bureaus for their failure to accurately report my credit information. 

I need 3 things to happen by the end of this month or i will proceed forward with the lawsuit. 

1. XXXX  XXXX and any other derogatories need to be removed from my credit report now. These things are damaging my credit and I will seek relief if we have to go to court. 
None of the information matches on all 3 credit profiles By law the information has to match across all 3 bureaus. By law of 15 U.S. Code 1681s2 part A, I have a cause to believe this information is incorrect. I have repeatedly for years have asked for changes to made and you all refused!

2. It is illegal for my report to have late payments.

PEr law 15 usc 6802. A financial institution is not able to disclose nonpublic personal information to a non affiliated third party. You all have done this multiple times and understand there are fines that you all will pay if this lawsuit goes through. 

3. You all put on my credit report that I live in XXXX, TX. 
I have never lived there a day in my life. It is illegal for a credit bureau to falsify information on a consumer credit report. This alone has impacted in me getting many denialS of credit because they couldn't verify my location. 
THIS HAS NEVER BEEN CORRECTED.
Consumer complaint received 2017-07-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (OH)

Was in the middle of loan Mod when separated from husband and did n't find out that loan Mod was denied due to lack of documents submitted. I was not notified it was going back to foreclosure or that it was set for sheriffs sale on XX/XX/XXXX. I found out first week of XX/XX/XXXX from a neighbor. I called Nationstar and they said it was too late to do anything because was less than 30 days to sale. I asked them to send me the loan Docs they were using to foreclose because I never signed the loan. My husband did as my POA but I never signed a POA for him to be able to do that. They said there were too many pages in my loan ( which was a sub prime loan with a variable interest rate done in XX/XX/XXXX ) to send me those documents. The property was titled in an LLC ( XXXX XXXX ) which went bankrupt in XX/XX/XXXX. The loan note however was only in my name. They sold my home at sheriffs sale XX/XX/XXXX for {$220000.00}. I owed only {$210000.00}. according to Nationstar. It appraised at {$200000.00}. I have a child only a year off XXXX recovering from XXXX XXXX and I 'm losing sleep worrying about this and why I have n't been notified of the sale or why they will not return my calls.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (IL)

I have been requesting for Experian to fix the issue with my credit score not being updated properly. I feel like Im being forced to spend countless amounts of money just to see my updated credit score. I have no need for the extra stuff that is being offered in these so called offer. I just want to be able to see that my updated credit score and to make sure its increasing. I would also like to make sure that my score is accurate, which is stated in my XXXX XXXX  accounts with my XXXX and XXXX plans. The Experian App and the online website has a notification on my credit account that says my credit has not been updated since XX/XX/2023 and the only way to get the accurate score is by paying for Subscription through Experian.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I AM A VICTIM OF IDENTIY THEFT, PURSUANT TO SECTION 605B YOU MUST REMOVE THESE FRAUDULENT INQUIRIES. INQUIRIES THAT ARE FRAUDULENT ARE : XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023. PLEASE REMOVE PURSUANT TO SECTION 605B.
Consumer complaint received 2018-11-12
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (WI)

On XX/XX/2018 I opened a checking account and a saving account at the JPMorgan Chase bank in XXXX XXXX, WI on XXXX XXXX XXXX. I did so in response to a blue card received thru the mail which says Enjoy up to {$500.00} as a new Chase customer. I was to receive {$300.00} for opening a new checking account with a deposit of {$5.00} and a saving account I was to receive {$200.00} with a deposit of {$15000.00}. At the end of my appointment with Chase employee, who set up both accounts and took my check for required amounts, I was informed that accounts were active and bonus monies would not be paid until funds remained in account for 90 days. After waiting the required 90 days I did not see bonuses credited to my account. At end of XX/XX/2018, I still did not see bonus credited so I called to talk to bank representative who opened accounts for me. 
Her voice mail said to leave message which I did. After several days she did not return my call I called to speak to any person at bank. I learned that bank employee was no longer employed by them but they would have supervisor to return my call. After days no one returned my call so I called again. I was told someone would get back to me shortly. No one called. I called again to talk and a teller informed me that since Chase employee had not put a code from the blue card on my account, they could not pay bonus. 
EVEN THOUGH I deposited EXACT amount required by their offer, and their representative ( an account specialist ) takes all info and monies, the Chase Bank does not honor their advertisement. This is because they say THEIR employee did not put code from blue card on the account. 
I called the president of the bank and left message. He chose not to return my call. 
On XX/XX/2018 I personally went into the Chase Bank on XXXX XXXX in XXXX XXXX and closed both accounts. Later I filed complaint with Department of Finance and Banking and Wisconsin Dept of Consumer Protection. 
JP Morgan Chase answer to my complaint was only that the required code was not on account and therefore they could not pay bonus to me. 
This is highly suspect that I put in the exact amount required and left it there for 120 days and now they say I didnt have a coupon. Their employee was given the coupon and she put it in a file in front of me. 
I would like to see the security video of our transaction which would prove that I gave their employee a card. 
If a more reasonable action not is taken with this second complaint, I realize I will have to take Chase Bank to small claims court. JP Morgan Chase needs to give a more satisfactory explanation for their actions.
Consumer complaint received 2023-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOUTHSTATE CORPORATION (SC)

XXXX years old had a bank account under fathers name ( south state bank ) we both was given access to account but was never told that by father was only told that by bank Ive not lived with my father for 2 months and had money that was on the account and I went into a branch for the statement and I did not spend the money that was being spent on my account because he have been spending my money on my account I had 2 overdraft fees that caused my account to be closed. What process would I have to do to get my money back the bank said they cant really do anything about it because we was both given access. Also have proof havent had my card or account log in info
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

subject : Demand for Immediate Removal of Charge Off and Violation of 15 USC % C2 % A7 1681c-2Dear Sir/Madam, I am writing to inform you that the 4 business days that you were given to block certain information in my credit report that I believe resulted from identity theft has passed, as per my rights under the Fair Credit Reporting Act, specifically 15 U.S.C. % C2 % A7 1681c-2.The following information is not related to any transaction or activity performed by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to federal law 15 U.S. Code % C2 % A7 1681c % E2 % 80 % 932 - Block of information resulting from identity theft : ( a ) BlockExcept as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of % E2 % 80 % 94 I requested that these items be blocked from my credit report in accordance with my rights under the aforementioned law in a letter that reached you earlier last month : Equifax XXXX XXXXXXXX Number XXXX - Delivered XXXX XXXX XXXX XXXX Tracking Number XXXX - Delivered XX/XX/XXXX, XXXX XXXX XXXX Tracking Number XXXX - Delivered XXXX XXXX XXXX XXXX XXXXAttached to these letters were copies of the following documents:1. Proof of my identity [ describe the document you're using as proof of identity, such as a driver 's license or passport ] 2. A copy of the identity theft report, ( I have a Federal Trade Commission Identity Theft Report and/or a police report ) XXXX. A statement explicitly declaring that the disputed information does not relate to any transaction or activity performed by me.
Consumer complaint received 2023-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC. (GA)

I have repeatedly requested to cancel the XXXX XXXX that I purchased from XXXX XXXX  on XX/XX/23. Since I have 5 days to request a refund from my initial purchase, I sent an email with intent to cancel my membership on XX/XX/23 and again on XX/XX/23. I requested that the business refund my initial deposit of the {$1800.00}. Following up to my email, I called the XXXX XXXX phone line on both days, at ( XXXX ) XXXX. The first representative told me that their inbox was full and to try again at a later time. The second representative told me to give them 5 days to respond. I never received a response from them regarding refunding my money, until XXXX month after I filed a dispute with my bank. The reply came from a man named XXXX XXXX XXXX on XX/XX/23 and it did not address their lack of response the previous month. XXXX only emailed me to say that his legal department would be in touch with my bank. Since my money was never refunded and I never heard from them since, I have no choice but to start the process of taking legal action. It should only take one message to a business in the appropriate timeframe, for them to acknowledge that I am due a refund, especially since I was a hotel guest at the time. The disorganization of this business is not myjurisdication, but it should no longer be my burden.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (KS)

I spent hours attempting to get my free annual credit report and can not verify my identity through Experian. XXXX  I tried their app multiple times uploading my documents and my selfie per their request and each time they stated that they could not verify my identity. Then I tried to do it via their website. I attempted multiple times. XXXX  I uploaded the requested documents and received a message back requesting that the formats not be in XXXX. Knowing that when you photograph your documents XXXX is the format they are in. Even the IRS accepted documents in this format. So I changed the documents to a XXXX format that they requested and submitted again. I then got a message back saying that the combined files were too large. I was only submitting the documents they requested. If they are requesting that many documents you should be able to upload them without it being too large. So I finally got them to go in the required size then I was informed that they were in color and could not be in color. It sounds to me like they just don't want to release the free credit report as I am entitled to and want me to sign up to pay their service for monitoring. I am an XXXX XXXX XXXX that is starting out. I have some concerns because of my calls with the IRS about things that are not appropriate being on my credit report. I can not verify if their are inappropriate items on my credit report because experian won't allow me that report as I am entitled. When I get an the annualreporting website, experian is the first site that comes up so if they won't let you verify you can't get your report from any other credit reporting agency either. Since access to this report is required by law, they should be required to furnish it upon me verifying my identity instead of making multiple tedious reasons why they won't accept the documents that I have provided to them.