davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

In accordance with fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under usc 1681. I told XXXX, XXXX and Equifax to reinvestigate these accounts name and number is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However ; they stated everything was complete and accurate but how is that possible if the open account dates, date of last activity and much more is incorrect, usc 1681 : ( 5 ) they are supposed to modify accounts that are not reporting correctly. 15 usc 1681 section 602 states I have the right to privacy,15 usc 1681 sec,604 a, Section 2 : it also state a comsumer agency can not furnished an account with out my written instructions. 15 usc 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has responible cause to believe that the information is inaccurate. I am not liable for this debt, with these account. I do not have a contract with these accounts, They did not provide me with the original contract as I requested.
Consumer complaint received 2023-10-04
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (TX)

3rd Reinvestigation for XXXX XXXX XXXX this account and delete as soon as possible, because this account is pass the statute of limitation to collect for the alleged debt, for reporting inaccurate balance which is a nonfactual account.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT. OF EDUCATIONXXXX
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent this letters in XX/XX/2023, and despite my repeated attempts, this marks the 11th time I have reached out to them, yet they have taken no action. 

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I want these accounts to be removed from my credit because they are not mine and they are negative, they hurt me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2023-10-04
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: EQUIFAX, INC. (ID)

I received a letter from Equifax dated XX/XX/2023, saying that they received my request to see a copy of my credit report, but they could not provide it to me because they need information from me. I had sent this information twice previously, and am very concerned about what happened to it. This is highly confidential information. 

I sent them my information a third time and am still waiting to hear back from them. 

In order for me to obtain work and a credit card, I need to clear up the problem of my identity verification. Given that I have sought advice and received validating information from XXXX XXXX, Social Security, the IRS, a background check, and the CFPB, I do not know how to proceed without seeing my credit report.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (FL)

XXXX XXXX XXXX JP Morgan Chase Bank Dear XXXX XXXX, I hope this message finds you in good health and high spirits. I am writing to you as a previously valued customer of JP Morgan Chase, seeking a fair resolution to a critical matter that has been ongoing despite my previous attempts to address it. 

As a loyal patron of your company for 8 months, I have always held your services in high regard. Unfortunately, I find myself in a situation where my credit report continues to inaccurately reflect my financial history with your company. 

I have previously made attempts to rectify these inaccuracies through a goodwill request, but regrettably, I was met with a denial. I understand that such requests are discretionary, and I respect your company 's policies. However, I believe that a fair resolution is crucial in this situation. 

The discrepancies in my credit report pertain to late payments and a charge off that was paid in full in XXXX. Despite my diligent efforts to meet my financial obligations, these inaccuracies persist, and they are having a detrimental impact on my creditworthiness. 

I kindly request that JP Morgan Chase reevaluate my situation and reconsider the goodwill request. Furthermore, I ask that a thorough investigation be conducted to rectify the inaccurate reporting of both the late payments and the charge off as it reflects XX/XX/XXXX at minimum. It is imperative that my credit report accurately reflects my financial history. 

I trust that JP Morgan Chase values fairness and transparency, and I am confident that a fair resolution can be reached. I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your understanding and cooperation.
Consumer complaint received 2023-08-29
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SUNRISE CREDIT SERVICES, INC (TX)

Ask company not to call me before XXXX because I'm at work and cant talk, every phone call is before XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-10-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: G&P Enterprises, LLC (CA)

I am a homowner and owe XXXX  dues which are now in collection. XXXX  has prevented me from accessing my payment ledger on the XXXX  website, referring me to the debt collection company. The debt collection company says this constitutes " debt verification '' and they want me to pay {$100.00} for the payment ledger. I need this ledger to do my taxes. What a scam.
Consumer complaint received 2023-10-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIRST HORIZON BANK (TN)

I was a victim of identity fraud, and my account was hacked by some weird person where they deposited a fraudulent check/deposit into my account and I was told that it would be taken care of by the bank themselves. Next thing I know, my account was being closed but I was on the hook for be hacked by these people.
Consumer complaint received 2023-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

I have never authorized an XXXX direct debit from the a fraud merchant XXXX XXXX Vis XXXX La, but they directed debit $ 79 monthly from my Citibank XXXX checking account from XX/XX/XXXX to XXXX XXXX. I have more than XXXX accounts in different banks, travel outside the country for months, so I didn't notice until XXXX XXXX. I contacted the bank right after I found out on XX/XX/XXXX. The Citi bank XXXX department refused to refund my transactions claiming under Electronic Fund Transfer Act. I was not able to get my money back and ask me to contact the merchant, but this merchant never is a legit merchant or I have never signed/ authorized them to debit my money. 
Citibank refused to refund me XXXX, XXXX, XX/XX/XXXX debit amount. But they credited me XXXX, XXXX, XX/XX/XXXX fund? How would that make sense??? The timing of those transactions that they refused was newer that those the bank credited me back. 

As a XXXX client, they are not providing very disappointing customer service. 
I would like to have my refund back,
Consumer complaint received 2023-10-04
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. (PA)

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Consumer complaint received 2022-12-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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. 

XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-12-09
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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. 

XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-10-04
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (OR)

In 2022 the issuer of old XXXX credit card changed from XXXX bank ( visa ) to XXXX bank ( master ). They did this without giving me any prior notice that my credit card account would be changed to a new one and did not give me in time to prepare to change my auto payments on the XXXX card. I had auto payments set up on the XXXX card to pay for the land rent of my house. I received the new master card on XX/XX/2022 and I was still oblivious of the details, partly due to my language barrier. I assuming that the account number was still the same. In beginning of XXXX my land lord called me that the payment did not go through on the XXXX card. So I have to try the new master card. It went through. But at that point I have already spent the money in my check account that was supposed to pay for the rent. Thus this change of card without any prior notice has had, and continue to have a huge financial toll on both my family and I. My XXXX XXXX dropped from XXXX to XXXX. Right now I owe old navy {$3300.00}.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

I am writing this with the utmost urgency to draw your attention to a matter of the presence of fraudulent accounts, personal information and unauthorized inquiries associated with my identity. Upon a thorough review, I have noticed that certain accounts and transactions have been inaccurately attributed to me, without my consent. This has left me profoundly distressed and deeply concerned. I am a victim of XXXX XXXX XXXX.
Consumer complaint received 2022-12-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

My car was stolen back in 2021 I filed police report and I had my wallet bag and laptop in the car with my personal information inside also there was a security breach with equal XXXX
Consumer complaint received 2022-12-09
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: EQUIFAX, INC. (CA)

I had a personal loan from a company called XXXX XXXX. I had a 24 month loan, which I repaid in full in XX/XX/2022. Since XX/XX/2022, XXXX has failed to update my Equifax credit report even though I have asked them to do so many times. I submitted a dispute with Equifax and they found that I still have a balance of {$1300.00} owing to XXXX which is simply untrue. I would be able to download and attach the loan repayment schedule, but XXXX was acquired by a larger company named XXXX XXXX, and I no longer have access to log in to their portal and pull my loan payoff certificate. So my complaint is against XXXX XXXX, XXXX XXXX, and Equifax.
Consumer complaint received 2023-10-04
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. (GA)

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

Account Name : XXXX XXXX Account NumbeXXXX Account Name : XXXX  Account NumberXXXX has violated my rights. Or a 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 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I have mailed a letter to have my private information corrected and all that is not listed needs to be removed as it is in incorrect. I read in the consumer credit law it states that it's against the law to report inaccurate information.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

THESE ACCOUNTS IS NOT MINEEEEE. 

XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX I NOT AUTHORIZE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2023-10-04
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. (NC)

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 Account XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a 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 XXXX 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 2023-10-04
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. (NC)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-08-29
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. (KY)

Months ago, I sent the three credit bureaus a letter asking 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 mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This company reported late payments for my federal student loans for the following months : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I've provided this company with a forbearance letter from XXXX XXXX in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX stating that my loan was in forbearance for those dates. Most recent, this company has updated loans that were paid off due to teacher loan forgiveness by moving the late payments from the aforementioned months to : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The late payments have not been corrected, they were moved to later dates including national forbearance dates.