davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

COMPANY : XXXX XXXX FEDERAL TRADE COMMISSION - IDENTITY THEFT REPORT FTC REPORT NUMBER # XXXX AMOUNT : {$4500.00} I CURRENTLY HAVE A FRAUD IDENTITY THEFT/ FRAUD CASE ON MY CREDIT REPORT ACCOUNT. A RESULT FROM NUMEROUS FRAUDULENT CREDIT ACCOUNTS ON MY CREDIT REPORT WHICH DO NOT BELONG TO ME AS WELL AS MULTIPLE SOCIAL SECURITY NUMBERS ON MY CREDIT REPORT. I HAVE TAKEN ACTION BY OBTAINING THE IDENTITY THEFT REPORT, OBTAINING PROPER DOCUMENTATION AND FORWARDING THEM TO THE CREDIT BUREAS. HOWEVER, THE CREDIT BUREAUS HAVE STATED THAT THEY CAN NOT REMOVE THIS ACCOUNT AND THAT I NEED TO CONTACT XXXX XXXXXXXX DIRECTLY. 

THEREFORE, I PROCEEDED IN CONTACTING XXXX XXXX REGARDING ACCOUNT NUMBER ENDING IN XXXX. I STATED THE IDENTITY THEFT CASE AND ATTEMPTED TO PROVIDE THEM WITH DOCUMENTATION TO ASSIST ME IN THE REMOVAL OF THIS FRAUDULENT ACCOUNT WHICH DOES NOT BELONG TO ME. ESSENTIALLY I AM REQUESTING JUSTICE. 

THE XXXX XXXX REPRESENTATIVE STATED THAT THEY HAVE COMPLETED THEIR INVESTIGATION AND THAT I CAN NOT APPEAL OR OPEN THIS CASE. THEY DID NOT ALLOW ME THE OPPORTUNITY TO PROVIDE ADDITIONAL DATA, DOCUMENTATION, OR FORM TO APPEAL OR OPEN THIS CASE. THERE WAS NO FORM OF A FAIR JUSTICE IN PLACE. 

IRONICALLY, I PREVIOUSLY HAD A SECURED CREDIT CARD WITH XXXX XXXX WHICH I CLOSED IN XXXX, THE STATUS ON THAT ACCOUNT READS, " PAID AND CLOSED ''. I CURRENTLY HAVE A NEW SECURED CREDIT CARD OPENED IN XX/XX/XXXX AND A CREDIT CARD OPENED IN XX/XX/XXXX, BOTH ARE IN GOOD STANDING AND REFLECT AS " OPEN/NEVER LATE ''. 

AFTER CONSTANT PERSISTENCE FROM MY BEHALF WITH THE XXXX XXXX REPRESENTATIVE FOR A DETAILED DESCRIPTION WHICH I AM ENTITLED TO, THE REPRESENTATIVE AGAIN REPEATED THAT THERE IS NOTHING THAT CAN BE DONE FROM MY BEHALF BECAUSE THEIR TEAM HAS ALREADY COMPLETED INVESTIGATION. HE THEN MENTIONED THAT THERE ARE LINKED WELCOME KEYS AND PHONES WHICH JUSTIFY THEIR INVESTIGATION. I THEN MENTIONED TO THEM THAT THAT IS NOT SUFFICIENT JUSTIFICATION TO HOLD ME ACCOUNTABLE FOR AN ACCOUNT THAT DOES NOT BELONG TO ME, AS THIS IS AN IDENTITY THEFT CASE. THEREFORE, THEIR REASONING IS NOT SUFFICIENT, ESPECIALLY IN THIS IDENTITY THEFT CASE WHICH INVOLVES WHICH CAN INVOLVE CYBER ATTACKS, HACKS, IP ADRESS HACKING, AND THEFT OF IDENTITY. ALL OF WHICH I AM A VICTIM OF. 

THE REASONING FROM XXXX XXXX IS NOT VALID, IT DOES NOT TAKE INTO ACCOUNT THE CURRENT INFORMATION TECHNOLOGY AGE WHERE THESE IDENTITY THEFT CASES ARE INTERTWINED WITH HACKS OF IP ADDRESSES, HACKING ATTACKS, LOCATIONS, PHONES, AND PERSONAL INFORMATION FROM NAMES TO SOCIAL SECURITY THEFT. ALL OF WHICH I AM A VICTIM OF. 

I NEED FAIR JUSTICE, THIS IS INJUSTICE FOR ME. I DID NOT OPEN THE ACCOUNT ENDING IN XXXX, I AM A VICTIM OF IDENTITY THEFT AND AM NOT RESPONSIBLE FOR THIS ACCOUNT.
Consumer complaint received 2024-05-23
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: HYUNDAI CAPITAL AMERICA (TX)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-04-30
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. (CT)

COMPANY : XXXX XXXX FEDERAL TRADE COMMISSION - IDENTITY THEFT REPORT FTC REPORT NUMBER # XXXX AMOUNT : {$4500.00} I CURRENTLY HAVE A FRAUD IDENTITY THEFT/ FRAUD CASE ON MY CREDIT REPORT ACCOUNT. A RESULT FROM NUMEROUS FRAUDULENT CREDIT ACCOUNTS ON MY CREDIT REPORT WHICH DO NOT BELONG TO ME AS WELL AS MULTIPLE SOCIAL SECURITY NUMBERS ON MY CREDIT REPORT. I HAVE TAKEN ACTION BY OBTAINING THE IDENTITY THEFT REPORT, OBTAINING PROPER DOCUMENTATION AND FORWARDING THEM TO THE CREDIT BUREAS. HOWEVER, THE CREDIT BUREAUS HAVE STATED THAT THEY CAN NOT REMOVE THIS ACCOUNT AND THAT I NEED TO CONTACT XXXX XXXX  DIRECTLY. 

THEREFORE, I PROCEEDED IN CONTACTING XXXX XXXX REGARDING ACCOUNT NUMBER ENDING IN XXXX. I STATED THE IDENTITY THEFT CASE AND ATTEMPTED TO PROVIDE THEM WITH DOCUMENTATION TO ASSIST ME IN THE REMOVAL OF THIS FRAUDULENT ACCOUNT WHICH DOES NOT BELONG TO ME. ESSENTIALLY I AM REQUESTING JUSTICE. 

THE XXXX XXXX REPRESENTATIVE STATED THAT THEY HAVE COMPLETED THEIR INVESTIGATION AND THAT I CAN NOT APPEAL OR OPEN THIS CASE. THEY DID NOT ALLOW ME THE OPPORTUNITY TO PROVIDE ADDITIONAL DATA, DOCUMENTATION, OR FORM TO APPEAL OR OPEN THIS CASE. THERE WAS NO FORM OF A FAIR JUSTICE IN PLACE. 

IRONICALLY, I PREVIOUSLY HAD A SECURED CREDIT CARD WITH XXXX XXXX WHICH I CLOSED IN XXXX, THE STATUS ON THAT ACCOUNT READS, " PAID AND CLOSED ''. I CURRENTLY HAVE A NEW SECURED CREDIT CARD OPENED IN XX/XX/XXXX AND A CREDIT CARD OPENED IN XX/XX/XXXX, BOTH ARE IN GOOD STANDING AND REFLECT AS " OPEN/NEVER LATE ''. 

AFTER CONSTANT PERSISTENCE FROM MY BEHALF WITH THE XXXX XXXX REPRESENTATIVE FOR A DETAILED DESCRIPTION WHICH I AM ENTITLED TO, THE REPRESENTATIVE AGAIN REPEATED THAT THERE IS NOTHING THAT CAN BE DONE FROM MY BEHALF BECAUSE THEIR TEAM HAS ALREADY COMPLETED INVESTIGATION. HE THEN MENTIONED THAT THERE ARE LINKED WELCOME KEYS AND PHONES WHICH JUSTIFY THEIR INVESTIGATION. I THEN MENTIONED TO THEM THAT THAT IS NOT SUFFICIENT JUSTIFICATION TO HOLD ME ACCOUNTABLE FOR AN ACCOUNT THAT DOES NOT BELONG TO ME, AS THIS IS AN IDENTITY THEFT CASE. THEREFORE, THEIR REASONING IS NOT SUFFICIENT, ESPECIALLY IN THIS IDENTITY THEFT CASE WHICH INVOLVES WHICH CAN INVOLVE CYBER ATTACKS, HACKS, IP ADRESS HACKING, AND THEFT OF IDENTITY. ALL OF WHICH I AM A VICTIM OF. 

THE REASONING FROM XXXX XXXX IS NOT VALID, IT DOES NOT TAKE INTO ACCOUNT THE CURRENT INFORMATION TECHNOLOGY AGE WHERE THESE IDENTITY THEFT CASES ARE INTERTWINED WITH HACKS OF IP ADDRESSES, HACKING ATTACKS, LOCATIONS, PHONES, AND PERSONAL INFORMATION FROM NAMES TO SOCIAL SECURITY THEFT. ALL OF WHICH I AM A VICTIM OF. 

I NEED FAIR JUSTICE, THIS IS INJUSTICE FOR ME. I DID NOT OPEN THE ACCOUNT ENDING IN XXXX, I AM A VICTIM OF IDENTITY THEFT AND AM NOT RESPONSIBLE FOR THIS ACCOUNT.
Consumer complaint received 2023-10-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY (CA)

I had a home mortgage loan with Wells Fargo I got behind on two payments and asked them to work with me but they wanted the loan paid in full I asked them to put the payments on the back of the loan or refinance me and they wouldn't help me in any way I have letters and documentation to show and they went ahead and foreclosed me without even talking to me nothing or helping me as much as I tried I lost my home in 2008 and still sick about it
Consumer complaint received 2024-04-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've always guaranteed timely payments on this account, ensuring they are never overdue. Nevertheless, I'm unclear about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be corrected.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of five inquiries that I did not authorize. They are as follows. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position.
Consumer complaint received 2024-04-30
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. (WA)

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Report shows this account was opened XX/XX/XXXX. The account status is " Account charged off. {$85.00} written off. {$85.00} past due as of XX/XX/XXXX. '' The responsibility is as individual, and the past due amount is {$85.00}. The original balance was for {$85.00}. This account states that the original creditor name is : XXXX XXXX XXXX. I have no knowledge of this account. I have no knowledge of XXXX XXXX XXXX. Remove this account from my credit report at once. I have never in my life heard of, nor done business with this company.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. 

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 2023-10-26
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. (NE)

I strongly request that you act quickly to eliminate the unauthorized inquiries from my credit report. They are causing significant distress and I have supplied the necessary documentation for verification. Please expedite your investigation into this matter.
Consumer complaint received 2019-03-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc. (FL)

Choice recovery is on my credit report for medical debt that i have no idea where from. One balance is {$400.00} and one is {$570.00}. I can not pay either in full but can negotiate and pay XXXX  % of each one,  totaling {$530.00}, to settle both balances.
Consumer complaint received 2024-04-30
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. (TX)

PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WA)

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Report shows this account was opened XX/XX/XXXX. The account status is " Account charged off. {$85.00} written off. {$85.00} past due as of XX/XX/XXXX. '' The responsibility is as individual, and the past due amount is {$85.00}. The original balance was for {$85.00}. This account states that the original creditor name is : XXXX XXXX XXXX. I have no knowledge of this account. I have no knowledge of XXXX XXXX XXXX. Remove this account from my credit report at once. I have never in my life heard of, nor done business with this company.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (TX)

This grumbling to AMERICAN EXPRESS was the aftereffect of their rebelliousness to my solicitation and for their refusal of getting the things, recorded underneath, to be taken out from my credit reports. They did not remove my request, which I thought was against the rules of the Federal Credit Reporting Act, nor did they respond to it.

As a result, I am writing this complaint to ask for help blocking or deleting the items in question because they found to be illegal and incorrect.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SD)

Revocation of Consent for Sharing Personal Information To Whom It May Concern, I hope this letter finds you well. My name is XXXX XXXX and I am writing to you in regards to the sharing of my personal information by your respective agencies on my credit reports, as well as by XXXX XXXX XXXX. 
Firstly, I want to express my sincere appreciation for the responsibilities you uphold as consumer reporting agencies, as outlined in the Fair Credit Reporting Act. The Act rightly emphasizes the importance of fairness, impartiality, and respect for consumers ' privacy, principles that I deeply value. 
However, I am writing to assert my rights under the law to ensure that my private information is not shared without my explicit consent. As stated in the Fair Credit Reporting Act and the XXXX XXXX, it is my fundamental right to maintain the privacy and confidentiality of my personal information. 
While I understand the necessity of accurate reporting for financial institutions, I must emphasize that I have not provided, nor have I consented to the sharing of my information with XXXX, XXXX, TransUnion, or XXXX XXXX XXXX Any previous consent, whether verbal, non-verbal, written, or implied, is hereby revoked. 
Furthermore, I want to highlight that I was never informed of my right to exercise my nondisclosure option by XXXX XXXX XXXX as required by law. This lack of transparency is concerning and undermines the trust I place in your institution. 
Moreover, I have noticed discrepancies in the information being reported, which raises concerns about the accuracy and integrity of your reporting procedures. It is imperative that consumer reporting agencies, like yours, follow reasonable procedures to ensure the accuracy of the information provided. 
Considering the above, I am formally requesting that you cease the sharing of my personal information with any third parties, as I have not provided consent for such actions. Additionally, I urge you to review and delete any inaccuracies in the information currently being reported. Thank you for your attention to this matter. I trust that you will handle my request with the utmost urgency and professionalism.
Consumer complaint received 2024-04-30
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (MD)

I am writing to formally lodge a complaint against XXXX, a debt collection agency that has violated my consumer rights as protected under the Fair Debt Collection Practices Act ( FDCPA ). I believe that this agency has engaged in deceptive and prohibited practices by listing and attempting to collect a debt they do not legally own. Despite request for verification and validation along with proof of alleged debt via certified mail, XXXX stated they are not required to send notices through certified mail. 
XXXX has no authority to furnish any account to consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR1006.34 ( d ) and 15 USC 1681-S2 ( XXXX ) ( A ). Based on XXXX 's response to the CFPB complaint submitted on XX/XX/2024 ( document attached ), XXXX is not the owner of the account and should not have sent nor listed the account to be reported to my consumer reports thus damaging my credit, adversely affecting my credit score and causing significant undue stress by violating my rights. In my previous complaint, I revoked all rights of XXXX communicating through email/text/telephone calls. On XX/XX/2024, I received a voicemail from XXXX which is a violation of my rights.
Consumer complaint received 2024-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

It's been over 6 months now that Chase Bank has closed my bank account because of a endorsed check that my brother gave to me to deposit in my account because he lost his XXXX. Chase Bank processed the check over to XXXX, the checks original bank, XXXX verified and cleared and deposited the amount of check in my Chase Bank Account. 
Now after the fact, Chase wants to verify my brother through his cell phone and his number doesn't show up verified to his name. So being that Chase Bank already cashed the check before verifying him, which they should of done first before processing the check, he can't cancel, reissue, or anything with the check. And he's having trouble with getting a new XXXX because he was born in XXXX XXXX and needs his Birth Certificate and parents are deceased.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (KY)

A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly remove the following items ASAP. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TN)

I ama victim of identity theft. The paperwork I have sent to the credit agencies is not being attached to my disputes. They say that the address is not clear but it is. And I have filed a police report and a FTC report. And I have asked for copies of the verification process according to the FCRA and am not getting anything back. This is a clear violation and the FCRA says that the agencies are violating the law and can be fined.
Consumer complaint received 2024-04-30
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I'm deeply troubled by the addition of this late payment to my account, as I've always maintained a record of punctual payments. This situation is causing me significant distress, and I urge you to rectify this error by promptly removing it from my account.
Consumer complaint received 2023-09-22
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: Colony Brands, Inc. (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-02-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NY)

I had fraud in my card for more that {$1000.00}. I reported this immediately but they charged me anyway. Never sent me a replacement and never contacted me back. The fraud was clear but citi is not taken care of this. Customer service on the phone is not supporting.
Consumer complaint received 2024-05-20
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.