davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-14
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)

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time.

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX Account Number : XXXX Please remove it from my credit report.

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NY)

I filed a claim with Chase/Visa via their contractor XXXX and their insurance providor, XXXX, XXXX XX/XX/2022. My luggage and its contents were destroyed in travel and, since I booked the travel with my Chase/Visa credit card, my lugagge was insured with them. Dealing with Chase via XXXX and XXXX has been impossible and I have been unable to secure reimbursement for my destroyed luggage. Despite providing tons of evidence including communications with the airline, picture evidence of the destruction, extensive receipts, e-mail communications and more, XXXX has made no progress on my claim. It has now been a year since I submitted my original claim and XXXX continues to avoid helping me. They promise that insurance examiners from XXXX will contact me, but XXXX has not reached out to me once. I am repeatedly disconnected from their phone lines and ignored over e-mail. They are unable to provide names of their employees, supervisors, phone numbers, e-mail addresses, or information about their internal business structure. These are hallmark signs of a scam. XXXX 's business practices are intentionally opaque and difficult to navigate such that customers are unable to seek recourse and process their claims.
Consumer complaint received 2022-12-08
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. (NJ)

I am not satisfied that Equifax has completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting their examination. I sense that the remaining account needs proper action to assure the maximum possible accuracy on my credit file. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 items from my 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 creditor. Please update the account : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, 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. (LA)

I checked my credit report and I noticed there were inquiries listed that I did not recognize. I contacted the companies, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit. Below are the inquiries in question. 

XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX- XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX
Consumer complaint received 2022-12-06
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: EQUIFAX, INC. (CA)

IVE RECENTLY CHECKED MY CREDIT REPORT & FOUND SOME UNAUTHORIZED ACCOUNTS, WHICH IS CAUSING ME A LOT OF STRESS ITS SO FRUSTRATING & ITS NOT FAIR TO ME BECAUSE I AM IN THE PROCESS OF GETTING MY HOME I DO NOT RECALL NOR AUTHORIZED ANYONE TO APPLY FOR THIS AND THIS IS HOLDING ME BACK, PLEASE GET THIS REMOVED & RESOLVED ASAP. THANK YOU.
Consumer complaint received 2017-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America says I was 30 days late in  XXXX  2017. Please see attached payment history ( specific to account ending in   XXXX   ) from  XXXX  2017 to present showing on-time monthly payments.
Consumer complaint received 2022-12-06
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)

IVE RECENTLY CHECKED MY CREDIT REPORT & FOUND SOME UNAUTHORIZED ACCOUNTS, WHICH IS CAUSING ME A LOT OF STRESS ITS SO FRUSTRATING & ITS NOT FAIR TO ME BECAUSE I AM IN THE PROCESS OF GETTING MY HOME I DO NOT RECALL NOR AUTHORIZED ANYONE TO APPLY FOR THIS AND THIS IS HOLDING ME BACK, PLEASE GET THIS REMOVED & RESOLVED ASAP. THANK YOU.
Consumer complaint received 2023-08-17
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. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have consistently made timely payments without any instances of being late. It is completely unacceptable to observe late payments on my account, and I strongly urge you to rectify this error without any delay. Please take immediate action to correct my account and ensure that it accurately reflects my payment history.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WI)

THESE INQUIRIES ON MY CREDIT REPORT WAS NOT UNTHORIZE BY ME XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX Experian XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX Experian XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX Experian XX/XX/XXXX XX/XX/XXXX Experian
Consumer complaint received 2024-04-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent a complaint requesting that you reinvestigate the disputed account from my credit report as well as update this account from my report during the investigation period. As of this date, you have failed to respond to my request. Again, please reinvestigate if the account is inaccurate, incomplete and outdated : XXXX XXXX Balance : {$320000.00} I never missed my payment. I think you are reporting inaccurate information. 30 days late last XX/XX/year> is questionable. Please reinvestigate and repair this account. The law stipulates that you must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. You have not followed the stipulations of the law. I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you correct the disputed account from my report immediately as you failed to comply with the law.
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, and XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-05-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (CA)

I took a loan out with   XXXX   XXXX   back in  XXXX  that was modified by the Federal Government. Then these recent group of companies hiding behind   XXXX   XXXX   are attempting to say I owe them money when this loan was paid off long ago and they know it. As a matter of fact   XXXX   XXXX   has recently been fined $  XXXX  by the  OCC  and I wonder if you can forward this complaint to them as well. The acting agent of   XXXX   XXXX   is  Caliber Home  Loans. I attach a copy of the complaint and they have been posting my payments to  Unapplied F unds and Escrow and not to Principal as agreed. In fact I had {$13000.00} in Escrow back in  XXXX  which were never applied to Principal.Thank you so much for your help.  XXXX   XXXX
Consumer complaint received 2023-06-15
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: EQUIFAX, INC. (FL)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (AZ)

I have tried to log into XXXX XXXX XXXX every week for the last 4 months, but get " Our system is experiencing technical difficulties at the moment. Please try again later. '' Multiple complaints have been put on multiple blogs and the bank 's XXXX and XXXX page. 

Their Customer Service number does not have an answer and the chat option is useless. 

I have 4 credit cards for different stores at this bank and will not use them if I can only pay as a " guest '' and can not log in to verify purchases before paying.
Consumer complaint received 2024-04-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of account : XXXX XXXX XXXX
Consumer complaint received 2022-12-08
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: EQUIFAX, INC. (NV)

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

Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX .... Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$350.00} 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.
Consumer complaint received 2023-06-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services (MI)

This company VIKING CLIENT SERVICES LLC is trying to collect a debt purportedly for XXXXXXXX XXXX XXXX I never rented a car from XXXX. I was recovering from XXXX XXXX so I wasnt driving. The letter is vague and this appears to be a fraudulent letter. I will not contact this company as I do not want them to have my personal information. I suspect this is a new way to scam individuals of money. I am asking that you investigate. I can provide a copy of the letter.
Consumer complaint received 2022-12-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2022 my computer was hacked by a scammer who gained access to my Chase Bank online account. Realizing what happened I promptly contacted Chase Consumer Protection and Fraud Customer Service. Several phone calls were made by me and recorded by Chase notifying them that I did not authorize a transaction that was made moving {$10000.00} from my Savings account to my Checking account. I informed the agent ( s ) that my computer was hacked and that all my online accounts must be shut down immediately to prevent any additional transfer of money. My online identity and my wife 's online identity at Chase were changed and I was told that would protect us. Despite being notified of the scam and asking that my accounts be shut down, onXXXX at XXXX XXXX  Chase negligently sent an International Wire transfer from my account in the amount of {$10000.00} to an unknown individual. I have made numerous telephone calls to Chase Bank Claims Department requesting they return my funds which I did not authorize to be wired. Chase has denied my claim saying they are not responsible for scams and had no information to know that it was not me who requested the wire transfer. However, they have a recording of my telephone calls 12 hours before they made the transfer explaining that my account was hacked and should be shut down. I feel Chase Bank was negligent in their fiduciary responsibility by transferring money from my account after being informed that a scammer gained access to my account, and I wanted all transfers frozen, and my account locked.
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

My statement close date on XXXX of my cards is the XXXX of each month. XXXX and XXXX reflects the correct amount as of the statement close date. It's a normal practice that all loans report statement close dates and the amounts to the credit bureaus. 

Experian for some reason is not updating my statement close date. I've called the credit card company and they've said they supplied the information to experian. When i try to dispute the information online, I'm not allowed to do so with experian. I've even called experian and asked what the problem was. They said the card company never supplied the information to them. I asked how so when the other XXXX major bureaus is reporting the same statement close dates. 

The last time the statement was updated was all the way in XXXX. The XXXX statement never was updated with experian because i fell it'll show a significant reduction. That's the reason for the hesitation in applying it to my credit report i believe. I'm not asking for anything special. Just the regular applying what the statement close says on my actual statement for that month. It's almost XXXX and no XXXX update with experian. But XXXX and XXXX  has updated the information.
Consumer complaint received 2022-12-06
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. (SC)

In accordance with the fair Credit Reporting Act the list of accounts I have attached in may letters have violated privacy 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  15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information other than adverse items and criminal convictions record which pre dates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states 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 2023-08-18
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Adjustment Company Incorporated (NV)

For over 8 years this company has produced false information concerning the original date of this transaction and has threatened my credit and financial security. The latest tactics are changing the date to XX/XX/XXXX  to keep my credit in jeopardy with XXXX, XXXX and XXXX  for the amount of {$2400.00}.