davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I want to make it clear that I am genuinely serious about taking legal action against your company if necessary. I have diligently sent multiple certified letters requesting the removal of inaccurate information from my file, which have unfortunately been ignored. It is crucial to understand that making false threats of a lawsuit is a crime, and I assure you that my intention to pursue legal action is sincere and justified.
Consumer complaint received 2023-09-27
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: Bread Financial Holdings, 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 2023-09-27
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. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (CA)

My credit report is showing late payments to Dept Of Ed/Nelnet XXXX XXXX Dept Of Ed/Nelnet XXXX XXXX Dept Of Ed/Nelnet XXXX XXXX Dept Of Ed/Nelnet XXXX, and Dept Of Ed/Nelnet XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or Nelnet 's customer service representative.
Consumer complaint received 2023-07-18
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: TMX Finance LLC (AZ)

On XX/XX/XXXX I applied online for a title loan with this company I was awarded a total amount of XXXX but only opted for XXXX funds were then deposited that following Monday XX/XX/XXXX. On XX/XX/XXXX I then wanted to see if I could qualify for more and when I logged in the website advised me that I could get XXXX more in cash and click to apply. Once I clicked applied I was advised to pay XXXX and some change to refinance my Loan for the new amount. I paid the money and the system refinanced my entire loan for XXXX. I never signed any documents I never agreed to the full amount and no funds were ever deposited into my account. I then called and spoke to XXXX who advised me I refinanced with no funds and that she would refund me the XXXX and then send it to her supervisor and would call me back. ( I never got a call or a refund ) I then called again on XX/XX/XXXX and spoke with XXXX who said that she didnt see me ever getting a XXXX dollar loan she saw me getting a XXXX loan and when I attempted to explain to her I had a different loan number she said she would have to send it to corporate. I called today on XX/XX/XXXX and spoke to XXXX again and asked to immediately speak to a supervisor. XXXX said she would transfer me to XXXX and put me on hold for several moments. When she returned she said she was transferring me and disconnected the call. I know it was on her end because I was on my XXXX and had no contact with my phone. 

I feel This is clear predatory lending and did not agree to any of the terms to be charged the full amount.
Consumer complaint received 2023-09-27
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. (GA)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXXXXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

My name is XXXX 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 2023-07-18
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: Experian Information Solutions Inc. (FL)

Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2023-11-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

On XX/XX/2023, Citi Bank froze my checking account without a reason or notification. The only transaction I performed was transferring the balance in my account into another bank account I own. After transferring my money, they returned the money to my account with them and they froze my account or put a block on it. As a result, I can not use my account for any transaction. On XX/XX/2023, I contacted the bank trying to resolve the problem but to no avail. I verified my identity with the bank representative and requested that they unfreeze my account but they refused to do so. They want me to go the branch in person to resolve the problem. I'm currently out of the country and I can not go to the bank in person. I opened my checking account online more than a year ago and it doesn't make a sense that I have to go the branch to resolve bank issues. Many customers usually resolve bank issues online or on the phone especially if they are out of town or country.
Consumer complaint received 2023-12-07
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. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX DOB-XX/XX/XXXX SS : XXXX I sent a letter out on XX/XX/XXXX to Transunion and However , the credit bureaus said the completed the investigation and everything was 100 % accurate. 

According to the law 15.U.S code 1681a-Definition : rules of construction. 

The term investigation Consumer report means a consumer report or portion of thereof in which information on a consumers character, general reputation, general characteristics, or mode of living is obtain through personal interviews with neighbors, friends, or associate of the consumer reported on or with others with whom he his acquainted or who may have knowledge concerning any such items of information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
I would like to know who they talked too. 

How did they complete this investigation? 
Thank You
Consumer complaint received 2023-09-27
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (GA)

On XX/XX/23 I got a copy of my consumer report and there were some inaccurate items being reported. XXXX XXXX XXXX XXXX and XXXX XXXX. I requested proof of these alleged debts based on 15 USC 1681i ( a ) I never received any correspondence in relations with these accounts. I also noticed that the dates are not matching up with all agencies involved. I have included evidence of these inaccuracies along with this request. If you can verify these accounts then I want a copy of the evidence used to verify these items.
Consumer complaint received 2023-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (LA)

On XXXX I asked Chime to mail a check to XXXX for XXXX to cover health insurance. On XXXX I received an email from. Chime advising the check was cashed by XXXX. 

The following week XXXX advised that payment was not received. I began contacting Chime then asking then to provide a copy of draft or whatever information I needed to give XXXX so they could locate my payment. 

I have a request open with Chime since XXXX. If they can't prove check was cashed I think they should refund my money. I'm XXXX XXXX XXXX and on a fixed income so this is a lot of money to me. Thank you in advance for your assistance. 

Sincerely XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

The following collections : XXXX XXXX XXXX {$4400.00}, XXXX XXXX XXXX XXXX {$1100.00} and XXXX XXXX XXXX XXXX : {$2500.00} have Violated my Rights. 

Violation privacy and confidentiality under XXXX5 USC 1681 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 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I mailed out letters on XX/XX/XXXX to XXXX, XXXX, and Equifax However its been over 30 days and the credit bureau failed to send investigation back. I received a stall letter on XX/XX/XXXX from XXXX and Equifax no further information regarding credit investigation. Failure to response letter mailed out to all bureaus XX/XX/XXXX. This investigation has been going on for months well beyond the 30 days. This is not right and violates my rights.

According to the law 15 U.S Code 1681i-Procedure in case of disputed accuracy. 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 wi
th 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.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

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 ( XXXX ), 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. 

Account Name : XXXX XXXX XXXX  XXXX Account Number XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 



XXXX 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 2023-09-04
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. (NY)

Recently, I requested verification of inaccurate accounts reporting on my credit report that your bureau maintains. I received a response stating that the account ( s ) were verified.

I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ).

To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is required to forward all relevant information to the original creditor to ensure a proper investigation of my dispute.

I am requesting you provide me ALL information used for you investigation of the following accounts, as required by FCRA 611 ( a ) ( 7 ) : 1. XXXX XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX Account # XXXX Per the FCRA you are required to provide this information within 15 days or delete the negative items from my credit report. 

Best Regards, XXXX XXXX
Consumer complaint received 2023-07-18
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. (NY)

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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 that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-04-03
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. (MI)

SEE ATTACHED XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX Subject : Disputing Information in Credit Report I am writing to dispute the following information below. Please see the items listed below : ACCOUNTS : XXXX. XXXX, XXXX. 
Account Number : XXXX Reason : Charge offs, should have a XXXX balance, I dont remember having a charge off Instruction : DELETE this account XXXX. XXXX XXXX Account Number : XXXX Reason : Charge offs should have a XXXX balance, I dont remember having a charge off Instruction : DELETE this account XXXX. XXXX XXXX Account Number : XXXX Reason : Charge offs should have a XXXX balance, I dont remember having a charge off Instruction : DELETE this account XXXX. XXXX First Account Number : XXXX Reason : Charge offs should have a XXXX balance, I dont remember having a charge off Instruction : Delete this account XXXX. XXXX Bank Account Number : XXXX Reason : Charge offs should have a XXXX balance, I dont remember having a charge off Instruction : Delete this account XXXX. XXXX Account Number : XXXX Reason : Charge offs should have a XXXX balance, I dont remember having a charge off Instruction : Delete this account Please investigate this matter, DELETE these disputed items as soon as possible. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-27
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: JPMORGAN CHASE & CO. (PA)

Approximately 10 days ago my wife received a letter from Chase Bank telling her she was declined for a credit card. It was her correct name - including middle initial - but the credit score they showed was not hers. I called Chase, gave them her SSN and info and they said they couldn't find anything with her info in their system. 

Last night I was checking my credit reports and found hard pulls by JPMCB CARD SERVICES. I called Chase this morning ( NOTE : If you do not have a CHASE account it's almost impossible to get a human there, let alone someone in fraud since all avenues of communication are blocked by " please enter your account number now '' prompts ). 

They DID locate a card application using my information. When pressed as to why they sent the letter to my wife he could provide no information or explanation. When asked why they did not contact me about the fraudulent application he could provide no explanation other than " we do contact via phone and email ''. I asked how he could do that when I didn't apply nor am I a customer he could give no explanation. 

Something isn't right at CHASE. They clearly processed a card application with my SSN and my wife 's name and address. That should be a red flag right away. Also where exactly did the low credit score on her rejection letter come from? Also the representative that I spoke to said he " cancelled the pending application '' - so what application was declined with my wife 's info? He also said they've received a lot of complaints about fraudulent apps for this card - so again, why was I not notified. If I hadn't checked my credit reports I would have never known about this. At best they are horribly sloppy with PII and customer data. At worst they simply don't care and are willing to deal with a certain amount of fraud. 

My concerns now are they have my data, my wife 's data ( and somehow have those mixed up ), and the 3 hard pulls on my credit reports. The rep said they would contact the credit bureaus to have those removed but could give no timelines.
Consumer complaint received 2017-09-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XXXX/XXXX/XXXX, I called Transunion @ XXXX XXXX XXXX regarding them removing all of my inquiries last year between XXXX - XXXX. I advised the representative XXXX XXXX XXXX that Transunion removed all of my inquiries from my credit report and put them back without giving me a 5 day notification in the mail. The overseas representative asked me which inquiries did I want to dispute. I then advised the representative that they deleted all of my inquiries and not just some during the time they had the system issue. I gave the representative all of the inquiries in question. The representative put me on hold to check their system. The representative came back on the line and told me that I was not one of the consumers affected by their inquiry glitch and went on to tell me about how hard inquiries appear on my credit report. 

I decided to lodge a complaint, because I refuse to call them and go through that torture again!!!