davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-27
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: EQUIFAX, INC. (FL)

i am natural person, i am a living human being, i have the rights under 15 usc 1681.

equifax is govem by 15 usc 1681. and they violated my rights numerous of times, i demand the accounts listed below be remove because.

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 XXXX XXXX XXXX # 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 XXXXXXXX, FTC # NUMBER IS XXXX
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

XXXX XXXX To Whom It May Concern :. Validate Account XXXX XXXX XXXX : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account Unknown Case Number : XXXX Please investigate and delete from my credit report. 

XXXX. The status is incorrect for the following account XXXX XXXX XXXX  Account Number : XXXX  Please remove this inaccurate information from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 


I am writing to dispute the presence of a dismissed XXXX XXXX XXXX case on my credit report. Under the account reference This action is taken under the guidance of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

( XXXX XXXX XXXX ) was finalized on [ XX/XX/year> ] However, I have encountered a significant issue with its reporting on my credit profile. 

I have recently been informed that there is a XXXX XXXX XXXX  in the file you maintain under my Social Security XXXX. Upon ordering a copy of my credit report, I see an entry listing XXXX XXXX XXXX According to FCRA XXXX ( a ) ( XXXX ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file. 

The United States XXXX XXXX DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. 

However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. 

A XXXX is public information, Again, the XXXX XXXX XXXX  DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom? 

Please validate this information and provide me with copies of any and all documentation associated with these accounts bearing my signature. I formally request that this information is immediately deleted from the credit file you maintain under my social security number. 

Please note that I am closely monitoring my credit file and you have exactly XXXX days to complete this investigation as per the Fair Credit Reporting Act XXXX ( a ) ( XXXX ) and I will be keeping very careful records of all actions taken regarding my file. 

Failure to respond satisfactorily within XXXX  days of receipt of this certified letter will result in a small claims action against your XXXX. 

Sincerely,
Consumer complaint received 2015-05-21
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Yesterday I was trying to get my credit reports using www.annualcreditreport.com. I was successful getting my reports from XXXX and XXXX and was able to view those reports multiple times on their websites however, while getting my report from TransUnion online I had forgotten to save it before moving on to get my report from XXXX. I had contacted by telephone the customer service line of TransUnion and was rudely told I could not view my report anymore times for free. He told me that I must pay to see it again now or wait another year to see it It is important that I 'm able to view all XXXX of my reports due to me needing to submit documents to my attorneys for an upcoming bankruptcy filing. Is there anyway that I can retrieve it now like I can from XXXX or XXXX?.
Consumer complaint received 2024-06-12
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: FORD MOTOR CREDIT CO. (MD)

I am writing to express my deep frustration and disappointment with the ongoing issues I have experienced with my Ford vehicle and the lack of response from Ford regarding my attempts to resolve these issues. 

I purchased my Ford vehicle in XXXX of 2021, and since then, I have encountered significant and recurring problems with the transmission. Within the first year, the transmission failed, a year after it failed again both times requiring extensive repairs. The second repair I could not afford my warranty had expired. Despite these repairs, my vehicle has remained undrivable for the past year, causing me considerable financial hardship. 

Despite my consistent payments towards the loan for this vehicle, the fact that it is undrivable has placed a significant burden on me. I have incurred substantial costs for towing and other related expenses, further exacerbating my financial difficulties. 

For the past year I have been contacting Ford and the dealership I purchased the vehicle from, I have made numerous attempts to contact Ford regarding these issues as well as XXXX XXXX XXXX XXXX. My primary requests have been for Ford to either repurchase the vehicle or provide a replacement, given that I am paying for a loan on a vehicle I can not use. Unfortunately, I have received no response or resolution to my complaints, leaving me in a dire situation.

I urge Ford to take immediate action to address this matter. It is unacceptable that I continue to pay for a vehicle loan while my vehicle remains inoperable. I request a prompt resolution, either through repurchasing the vehicle or providing a replacement, to alleviate the financial strain and inconvenience caused by this situation.
Consumer complaint received 2024-06-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC (IL)

I have been attempting to remove PMI on my mortgage with Shellpoint Mortgage Servicing as of XXXX XXXX. After a multitude of phone calls and correspondence and complaints, I received a letter from them dated XXXX XXXX XXXX stating that my PMI removal had been approved effective XXXX XXXX XXXX. However, during subsequent inquiries about the PMI premium amount not being removed yet, I received a letter from them dated XXXX XXXX XXXX whereby they state that " the PMI has not been removed from the loan as the PMI process has not been completed. '' And they further state that " Since the PMI has not been cancelled, the statement provided for XXXX XXXX is correct. '' This is contradictory to the answer they provided in the XX/XX/XXXX letter and is essentially retracting their approval and reneging on their commitment. 

Shellpoint continues to drag out this process unnecessarily and unwarranted. Because of this, I am forced to continue to pay the PMI premium and have absolutely XXXX trust that I will be refunded those amounts based on their initial approval. They need to be held accountable to their initial response and proceed accordingly and in a timely fashion.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

I first contacted Experian in XXXXXXXX XXXX XXXX about multiple records on my credit that I disputed, asking them to verify and validate the reported debts per the FCRA. Part of the well-established law is Experian is required to share with me proof of validation. After more than a month with numerous back and forth attempts, Experian is still keeping the debts on my record without providing proof they are valid debts under the FCRA. 

The most recent report numbers include : XXXX and XXXX Experian is violating the law by refusing to provide proof the debts in question on my credit are valid.
Consumer complaint received 2024-05-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

I always pay on time, and I am certain of this. I am diligent about meeting my payment deadlines and have no doubts about it. My accounts should be updated to remove any late payment remarks from my credit report.
Consumer complaint received 2024-04-30
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY (CA)

I called Wells Fargo on XX/XX/year>, on or around XXXX p.m. XXXX. I dialed ( XXXX ) XXXX. I was on hold for over 1 hour and 41 minutes. I would have been on hold longer, however, I had an important inbound call and to change lines at the 1 hour and 41 minute mark. It is unacceptable for any consumer to be on hold that long. Due to Wells Fargos unnecessary long hold times, I was unable to ask questions regarding my personal loan balance, due dates, payment amounts, etc. Notwithstanding online access, all consumers should have the right to call Wells Fargo with additional questions without having to be on hold for almost two hours. Wells Fargo is making it difficult to speak to an agent regarding my loan status. I am very disappointed at Wells Fargos poor business practices. I took a screenshot of the hold time and have the phone call recorded for evidence.
Consumer complaint received 2023-06-15
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. (WI)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Convergent Accounts # XXXX ( XXXX XXXX XXXX {$850.00}, XXXX XXXXXXXX {$800.00}, XXXX {$0.00}, XXXX {$700.00} 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 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 the information is inaccurate. I sent serval disputes to these companies and they yet to follow you guys rules and laws. I am ready to take legal actions if I don't get a fair and proper insvestagation or these fraudulent accounts be remove immediately.
Consumer complaint received 2023-07-10
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
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. (NJ)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (CA)

I filed a dispute with Chime on a hotel charge Chime ended up denying the dispute however they have not provided me with dispute results they said on the phone that the merchant never responded to the dispute I told them if that is the case it is supposed to automatically go in favor of me but I never received dispute results to appeal it or go further in the dispute process to know exactly why they denied it.
Consumer complaint received 2024-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (MD)

" On the XXXX of XXXX, XXXX, I was offered a {$100.00} bonus by Citibank while I was online on my XXXX account. The offer required me to make two consecutive direct deposits of {$250.00} each into my checking account, which had a XXXX balance at the time. The terms stated that upon completion of these deposits, the {$100.00} bonus would be credited to my account within a span of 30 days. 

However, even after meeting the stipulated requirements, Citibank is now refuting the existence of such an offer. 

This is not the first instance of such an occurrence. This is the second time that Citibank has reneged on their bonus offers extended to me. 

Previously, I had to resort to filing a complaint against Citibank to rectify their refusal. Now, I find myself in a position where I am compelled to file another complaint for this offer. 

This seems to be a recurring issue with Citibank and calls for a more thorough investigation into such practices. ''
Consumer complaint received 2024-06-07
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (NY)

Hello Sir/Madam, I deposited two checks on XX/XX/year> ( {$2400.00} check no:XXXX ) and XX/XX/year> ( {$1000.00} check no:XXXX ) in Chase XXXX account XXXX. Both of these funds total of {$3400.00} were debited on XX/XX/XXXX and XXXX. I will attach the statement. 

So, I call the bank after many call I was able to speak to someone and the agent told me the check previously deposited ( XXXX and XXXX ) was credited again for the second time ( XXXX ). Which is why the amount was withdrawn from my account. But, then I told them I never deposited twice, it was an fraudulent activity. So. I said please can I get my money back. To do this they replied I should speak to the issuer of the check which I did but according to the issuer no funds were debited from the account which actually should have been the case. So, no damage was done from the check issuer side. 
But, the lapse are from my account. Somehow Chase debited the amount and transferred it to someone unknown. There is alot of red flags in this transaction as to how the funds were being withdrawn the second time, also without the knowledge of the account holder. No security was provided by Chase Bank. 

I hope the bureau will get to the bottom of this because its been a very long time for me running between banks trying to get my money bank. 

Thank you. 

XXXX.
Consumer complaint received 2022-11-27
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. (IL)

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 number : # XXXX, Account name # XXXX  XXXX, Account number : # XXXX, Account name # XXXX XXXX, Account number : # XXXX, Account name XXXX XXXX XXXX Account number : # XXXX, Account name # XXXX XXXX, Account number : # XXXX, Account name : # XXXX XXXX, Account number : # XXXX, Account name : # XXXX XXXX, Account number : # XXXX, Account name : # XXXX XXXXXXXX, Account number : # XXXX, Account name : # XXXX XXXX, Account number : # XXXX, Account name : # XXXX XXXX XXXX, Account number : # XXXX, Account name : # XXXX XXXX XXXX XXXX, Account number : # N/A, Account name : # XXXX  Account number : # XXXX, Account name : # XXXX, Account number : # XXXX, Account name : # XXXX XXXX, Account number : # XXXX, Account name : # XXXX XXXX Account number : # XXXX, Account name : # XXXX XXXX XXXX Account number : # XXXX, Account name : # XXXX, Account number : # N/A, 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.
Consumer complaint received 2023-06-07
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. (TX)

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance {$590.00} XXXX XXXX XXXX Balance {$1700.00} XXXX XXXX XXXXXXXX Balance {$530.00} XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX Balance {$590.00} XXXX XXXX XXXX Balance {$1700.00} XXXX XXXX XXXX Balance {$530.00} XXXX XXXX XXXX Balance {$110.00} XXXX XXXX XXXXXXXX Balance {$0.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OK)

I have previously disputed XXXX XXXX Bankruptcy case # XXXX with you, and in response, you verified the item as accurate, stating that you have verified the information with the court. I contacted the court, and their response is below. 

" The Bankruptcy Court has no interaction with credit bureaus, including Equifax, XXXX, and XXXX. The Bankruptcy Court does not report information regarding bankruptcy cases to credit bureaus and does not verify the accuracy of information regarding bankruptcy cases held by credit bureaus. '' It is clear they do not report to you or any Credit Bureau for that matter ; therefore, your initial response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ), and the information must be deleted immediately!
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In Accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 sec 602 A states I have the right to privacy.

15 U.S.C 1681 sec 604 A section 2 : It also states a consumer reporting agency can not furnish an account with out my written instructions.
Consumer complaint received 2022-11-21
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc. (VA)

NCB XXXX XXXX XXXX keeps calling me daily from different phone numbers including the XXXX provided in the form. Also receive text messages from them as well from different numbers stating the same thing over and over again. I feel harass by this company everyday from constantly calling and texting me the same thing.
Consumer complaint received 2024-05-25
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. (LA)

I sent dispute letters XX/XX/year> and XX/XX/year> and both my dispute letters were ignored. 


Credit Bureaus refuse to investigate dispute for INACCURATE REPORTING on accounts listed in this complaint. 
Furnishers are reporting differently to all three credit bureaus for the same account/tradeline, regarding the following categories. Date Opened, Balance, No. of Months ( term ), High Credit, Credit Limit, Past Due, Payment Status, Last Reported, Comments, Date of Last Active, Date of Last Payment and Two-Year History?

The Credit Bureaus then reports these errors, inaccuracies, and incompleteness on my credit report ( see proof credit report enclosed ). According to Fair Credit Reporting Act, 15 U.S.C. 1681 my credit report must be Accurate and Fair.