davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-26
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)

I became aware that my personal credit information may have been exposed in a data breach and I noticed some suspicious activity on my credit report. 

Below is a summary of the data in which I am challenging : My current and lawful address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. If you have any address listed in your system that do not match my address as its listed here, please delete them immediately, so you can make sure the database has accurate information about me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SSN : XXXX DOB : XX/XX/XXXX Summary of Accounts being challenged in list form : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Summary of Inquiries being challenged in list form : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-16
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Movement Mortgage LLC (MA)

This complaint is against XXXX XXXX, employee of Movement Mortgage. Movement Mortgage is a company whose headquarter is at XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX. 

XXXX XXXX pulled my credit report without my written consent, even after I explicitly told him I do not want to proceed with my loan application.
Consumer complaint received 2023-06-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC (NJ)

I got a phone on payment plan and returned the phone. I closed the account. but this still shows up on my report. I didn't know of this amount owed until I saw it on my report and in XXXX
Consumer complaint received 2023-11-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (GA)

On XX/XX/XXXX a fraudulent charge was made on my Citi XXXX card and I immediately notified them. There was a notification of a charge on XXXX on XXXX that I declined but there were 2 other charges that happened that I did not get an alert so could not decline. The next day I spoke to fraud department and and in the conversation I mentioned I still have the card which was a mistake on my part as I was referring another and not the one the fraud occurred that I had. I got a call from them asking me to open a police case which I did and gave that info back to them. When I followed back with them a week post that they said they have closed the case because I said I had the card. I corrected and they said they will reopen ( called twice and same answer ) but it did not and no communication from then on. Had a similar fraud happen on my XXXX XXXX  same day and they refunded. The investigator did not which was surprising and against what Citi says on protecting their customers
Consumer complaint received 2024-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IN)

On XX/XX/XXXX, I contacted Chase to report that my debit card had been taken from my wallet in the overnight/early morning hours of XXXX XXXX. Chase initially reimbursed me for all but one transaction that they did not reimburse, however, later denied the claim, stating that the PIN had been used. While I am unsure of how my PIN was obtained, everything except my license and room key were stolen, and I am unaware of what all ( besides financial institution cards ) was stolen. On XX/XX/XXXX and XXXX of XXXX, Chase withdrew the funds from my account with the denial. On XX/XX/XXXX, I went to a branch and provided the police report from the theft that stated that my debit card, credit cards, and cell phone had been stolen while on vacation in XXXX XXXX and used to make fraudulent charges. I provided Chase with documentation from other financial institutions that showed the same fraudulent charges that had been disputed across all creditors. I informed Chase that my PIN for my debit card and my phone were to where if someone had watched me unlock my phone prior to stealing it, they would have had my PIN. Chase denied the claim a second time and said they can not reaffirm or open a new case. Chase stated they had sent a fraud alert when the transactions occurred and that they had been approved on my phone, however, it was stolen and in the possession of the person who had my card. All transactions occurred in an area too far from my hotel and I did not have a car. Two transactions occurred at a Chase ATM, but Chase said they can not review the camera and refuse to reimburse me any of the money lost from my checking account.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on unpaid XXXX and XXXXXXXX XXXX. I was only three months from paying off my XXXX Honda XXXX which I had purchased new four years earlier and they refused to work with me and were trying to repo my car for the {$5000.00} balance so I had no other option than to go buy another car and finance the balance into the loan. I had XXXX XXXX  in equity in my car so my new loan was only for XXXX XXXX  with this balance rolled in, but I had intended to keep my car for many years as it only had XXXX miles on it when I traded it in, this caused me great hardship and they will answer for it to XXXX XXXXXXXX XXXX as I am a twice widowed mother with no help!! They were paid in full by XXXX XXXX and the car was never repossessed or written off if they did write it off to get a tax break after they were paid in full in XX/XX/XXXXXXXX you need to alert the IRS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IRS XXXX XXXX XXXXXXXX XXXX, so you can tell them I reported it to you!! They have refused to remove this comment as it allows them to make me look bad on my credit reports and they are revengeful, I also disputed it with XXXX and they did NOT update it, so they also need to be fined for breaking the FCRA, they simply put the same remarks as prior and said it was verified and updated, which is a lie!!! Please enforce the laws and make them remove the lie that it was written off, it was paid in full so they can not claim a tax break on a debt that they then took the full amount for a few weeks later, that is also against the law!!! I also want a copy of my complaint shared with the FTC!! I want all of my credit reports corrected, then I want a corrected copy of my reports, all three from all credit bureaus, mailed to you and me both!! I do not want this complaint closed until all is completed and I let you know it is done!! I also want both Honda Financial and XXXX fined for breaking the FDCPA and FCRA!!! Please enforce the laws!!
Consumer complaint received 2017-02-23
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CREDIT ACCEPTANCE CORPORATION (NY)

I XXXX XXXX file this notice with the Consumer Financial Protection Bureau as a measure to request a federal consumer advocacy agency to oversee a collection matter I believe to be unfair and technically illegal. I have attached a copy of a XXXX XXXX, 2016 letter whereas I stipulated the legal requirements on any vehicle repossession. I would agree to settle this matter with certified funds of {$1000.00} if Credit Acceptance would essentially communicate with me. They have not answered my letters and I believe that my offer is more than reasonable under the circumstances. However, I am 100 % in the right on the requirements on any vehicle repossession. That is a violation under New York State collection guidelines and the national Fair Debt Collection Practices Act. Accordingly, I offer {$1000.00} certified funds to resolve this matter in the best interest of both parties, and I request that settlement offer in written form as soon as possible.
Consumer complaint received 2023-11-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I urgently request that your bureau take immediate and thorough action regarding my identity theft disputes. I insist that you prioritize my case, conduct a comprehensive investigation, and promptly remove the fraudulent accounts and transactions from my credit report. Additionally, I seek a clearly defined timeline for resolution and regular updates on the progress of my dispute. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As XXXX consumer, XXXX firmly believe that it is my right to have my concerns addressed in a timely and diligent manner. Should your bureau fail to provide a satisfactory response within a reasonable timeframe, I am fully prepared to seek legal counsel and escalate this matter to the appropriate regulatory authorities to ensure that justice is served.

I am willing to extend one final opportunity for you to address my identity theft request. Failure to do so will leave me with no choice but to pursue legal action through the judicial system. In such a scenario, you will be held accountable for the harm inflicted upon my reputation, and credit, and the emotional distress I have endured throughout this ordeal. It is highly likely that the definition of a material fact will become clear during legal proceedings, and you may be required to compensate me for your negligence.
Consumer complaint received 2023-11-16
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. (MA)

I went back to review my credit report, and unfortunately, I still observe harmful entries that have not been rectified or deleted, much to my disappointment. According to the FCRA, I have the right to dispute and pursue appropriate legal remedies for any inaccurate or missing information in my report.
Consumer complaint received 2024-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERIS BANCORP (FL)

On XXXX XXXX, I deposited XXXX XXXX in my Ameris bank from my XXXX XXXX. However, they don't allow me to use the money in it. I can't access my money at all. Every time, I set up a transfer, the system shows an 'error '. I called them, they said they would send it back to XXXX. However, XXXX months passed, and the money was still there, and couldn't do anything. It is so crazy bank I have never met.
Consumer complaint received 2024-01-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

Chase has all the notes in regards to my situation. I just wanted a full payment refund back to my chase checking account due to wrong information that was stated by chase. There has been numerous callas in which I wanted a refund but they saying we have put in the request. At one point they told me the request was approved. I called today checking on the status of the funds and they said I called saying I dont want the funds. I have called numerous times about the refund so why would I cancel it. I want my money back. This has been going on for weeks. Please help me.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue stress, and I urge you to promptly correct it by ensuring my records are updated accordingly.
Consumer complaint received 2023-09-12
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. (FL)

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

In accordance with the Fair Credit Reporting act XXXX Account : XXXX XXXX 15 U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-11-16
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. (PA)

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 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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
Consumer complaint received 2023-11-16
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. (CA)

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


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

There are some inconsistencies with account XXXX  # XXXX The Date opened states XX/XX/XXXX which is incorrect. The date opened for this account is XX/XX/XXXX. Please correct this as according to the FCRA my credit report should be 100 % accurate. 
It also states that I was 30 days late XX/XX/XXXX & 60 days late XX/XX/XXXX. 
I have never been late on this account since opened. Pursuant to 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. The account above was never late and should be listed as current for the months listed.
Consumer complaint received 2018-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

Equifax continues to report an old account that should be deleted according to New York State law. 
25 Section 380 -j ( b ) ( 3 ) ( f ) ( 1 ) ( iv ) : ( f ) ) ( 1 ) Expect as authorized under paragraph two of this subdivision, no consumer reporting agency may make any consumer report containing any of the following items of information, ( iv ) accounts placed for collection charged to profit and loss which antedate the report by more than seven years, or accounts placed for collection or charged to profit and loss, which has been paid and which antedate the report by more than 5 years. 

XXXX XXXX XXXX # XXXX .... has been paid and closed since XX/XX/XXXX. It's XX/XX/XXXX and that makes it 6 years, Equifax continues to report this account. Please delete this account and update my credit report.
Consumer complaint received 2023-07-13
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: AMERICAN EXPRESS COMPANY (MS)

XXXX account was charged off. Still reporting on credit report with a balance. The account and charges are not mine I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists.
Consumer complaint received 2018-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I refer to the attached Experian Credit report file number XXXX dated XX/XX/XXXX specifically page 41, CHAPTER XXXX BANKRUPTCY DISMISSED as clouded. See Attachment 01. 
As mandated by Title 15 U.S. Code Chapter 41 - CONSUMER CREDIT PROTECTION, Subchapter III, Section 1681c, Paragraph a.1 Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 
The Law is clear Dismissed Case is not included within the parameters of the above mandated reporting guideline, furthermore ; the referenced Chapter XXXX Bankruptcy did not have Entry of the Order for Relief nor ever been Adjudicated. In fact, it was Dismissed Prior to Adjudication. See attached Court Report Case XXXX dated XX/XX/XXXX. See Attachment 02.

Under Federal and State Law, FCRA Title 15 U.S. Code 1681i, Paragraph 5.A, immediately upon receipt of this notification you are obligated and directed to remove the referenced Chapter 13 Bankruptcy on my credit report. It is not in your jurisdiction, responsibility, right or business to report this crucial and extremely damaging personal information. Also per the Law you are obligated to furnish me updated copy of my corrected credit report per Title 15 U.S. Code 1681i, Paragraph 5.A.ii of FCRA. All required information and supporting documents are included on this letter package, therefore ; an investigation is deemed absolutely unnecessary. 
Your response within 14 calendar days upon receipt of this letter is greatly appreciated.
Consumer complaint received 2023-03-25
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. (MD)

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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.