davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me.

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX. Validate Account XXXXXXXX Account XXXX : XXXX Please ensure that all information is accurate XXXX. Validate Account XXXXXXXX  Account Number : XXXX Please ensure that all information is accurate Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2023-06-16
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. (VA)

TransUnion XX/XX/XXXX XXXX XXXX XXXX XXXX Unit XXXX XXXX, Virginia XXXX XXXX : ( XXXX ) XXXX SS # : XXXX XXXX : XX/XX/XXXX RE : IMMEDIATE BANKRUPTCY DELETION To Whom It May Concern : After MANY failed attempts to have you update my credit file accurately, and, to delete those XXXX bankruptcies listed as DISMISSED, rather than XXXX in XXXX in which Ive apprised your company multiple times that I didnt file for bankruptcy EVER before. Id informed you that my vengeful ex-husband, XXXX XXXX a vicious attempt to damage me filed those XXXX XXXX bankruptcies in both of our names without my expressed permission. According to the XXXX Bankruptcy XXXX in XXXX, Maryland in which they were filed, the cases were dismissed because I wasnt present, nor was my state identification supplied. Therefore, this is XXXX. 
It goes without saying that your company is well-aware of the fact that I am a double minority, therefore, I am left to conclude that TransUnion is XXXX, actively, and selectively targeting and discriminating against, and perhaps indulging in some type of retaliatory practice. That is unacceptable, unethical and I wont stand for it. I will alert all media outlets of this injustice if this situation isnt remedied IMMEDIATELY. 
Furthermore, TransUnion is fully aware that these fraudulent items are adversely affected my credit rating by making it difficult/or impossible for me to get approved for a loan outside of predatory lending. I am currently susceptible to higher rates and terms on approved loans, costlier insurance, difficulty qualifying for a traditional cellphone contract, fewer credit card and loan options, difficulty getting a mortgage, trouble renting a place to live, fewer career opportunities, upfront costs for utilities AND delayed wealth and even retirement. 
XXXX doesnt have any bankruptcies listed on my consumer report. XXXX has removed those bankruptcies as well as XXXX XXXX. Also, XXXX emailed me and reported that they didnt furnish any bankruptcy information on me. 
Bewildered, XXXX XXXX XXXX *Enclosed : I have attached proof of my claims for your review and consideration.
Consumer complaint received 2023-12-28
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. (CA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-03-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

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 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please be advised that as of XXXX as listed on I, XXXX XXXX most recently reviewed XXXX, Transunion and XXXX consumer credit report, there is an unauthorized / fraudulent account listed which should be Excluded from my credit profile : XXXX XXXX XXXX ( CLOSED ) XXXX XXXX. Having understood that this is a violation of 15 U.S.C.1681a ( 2 ) Exclusions : ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;. Both together and separately, my consumer and privacy rights are being violated. The information should be confidential between myself and XXXX XXXX XXXX. If you can not provide my written authorization, the aforementioned fraudulent / unauthorized account is to be removed from my consumer credit report and file IMMEDIATELY as their reporting has caused me and my reputation harm and discrimination. XXXX XXXX ( Without Prejudice )
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NV)

XXXX XXXX closed my account with no notice and has made it impossible for me to make a payment or access my credit card statements. They have submitted information to the credit bureaus that have tremendously lowered my credit score and has drastically effected my life. I have been trying to get this resolved with XXXX XXXX since XX/XX/2023. The one and only letter I received in XXXX to why my account would be closed has incorrect information on it. Whomever the " XXXX XXXX '' is has not contacted me, although I have requested to be contacted several times via XXXX supervisors. The general supervisors would like to assist me but are unable to assist because the account is restricted from them being able to do anything. They can only send an email, there is no phone number for them to get in touch with the " XXXX XXXX '' that should be fixing my account. 

The only thing that has been done by the " XXXX XXXX '' is reporting that my account was closed with a balance owing of {$1000.00} and in XXXX that the account was 30-60 days past due. The account being closed and the balance not being paid has been out of my control and all due to the fault of XXXX. 

Please see my attached uploaded detailed notes of the actions I have taken to get this matter resolved. 

Today I submitted a dispute to experian and equifax, also trying to get this matter resolved.
Consumer complaint received 2023-12-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (VA)

I have student loans that were taken out starting in XXXX. Since then those loans have been consolidated. Most recently I consolidated my loans in XX/XX/XXXX to take advantage of the limited waiver before the XX/XX/XXXX deadline. My Mohela account doesn't reflect the limited waiver or any of my loan history prior to my XX/XX/XXXX consolidation. I'm concerned that 1 ) the limited waiver hasn't been applied to my account, 2 ) my total loan history isn't showing, and 3 ) that my past loan history and payments aren't showing. I would like Mohela to update my account to reflect my complete loan history, PSLF ECFs submitted, the limited waiver, and my updated PSLF payment count.
Consumer complaint received 2023-12-28
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. (KS)

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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXXXXXX - XXXX {$4100.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX - XXXX {$5400.00} XXXX XXXX - XXXX {$6400.00} XXXX XXXX - XXXX {$4000.00} XXXX XXXX - XXXX {$6900.00} XXXX XXXX - XXXX {$4100.00} XXXX XXXX XXXX - XXXX {$6900.00} XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX XXXX XXXX {$3600.00} XXXX XXXX XXXX XXXX {$6300.00} XXXX XXXX XXXX - XXXX {$5700.00} XXXX XXXX - XXXX {$0.00}
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (TX)

Chase has not been reporting accurate payment totals since the opening date of both of my accounts. There are months missing with no data reported and multiple months that are reporting lower payment totals than the actual amount I have paid on the accounts. 

I am formally requesting Chase to conduct a review of my accounts with total payments made since the opening date of both credit card accounts to update all major credit bureaus with accurate payment data ASAP. 

Thank you
Consumer complaint received 2023-04-23
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. (GA)

Please disregard last request and I was wondering if I could get a generous REMOVAL of these hard inquiries and account in collections please? 

1collection Total balance : {$0.00} 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 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 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 2023-02-03
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 is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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
Consumer complaint received 2023-12-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (VA)

We received confirmation that we authorized full payment to be made through ACH on XX/XX/XXXX. XXXX, XX/XX/2026, we checked our balance due and it showed that no ACH transaction was processed by Chase. The feedback from Accounts-chase.com accessed through the Chase app states the following : " Does Everything Look OK? ", Payment Date ( Due date : XXXX XXXX ) XXXX, Pay from XXXXXXXX XXXX XXXX ( ...... ) { The checking account number was not supplied due to security concern } Under Payment Authorization : By coosing " Pay it '', you, XXXX XXXX XXXX { name omitted }, authorize the one-time payment of {$9100.00} to your credit card account ending in ( .... ) { number omitted } .We 'll withdraw as a ACH debt from your pay-from account ending in ( .... ) { number omitted for security } and the payment to your credit card will be dated on XXXX withdrawal will generally occur within 2 business days of this payment date, but the exact timing is dependent on the bank 's processing schedule ..... '' We checked our balance and there was a message that we were in arrears due to no payment in XXXX despite the " confirmation '', though it was stated, as it has been worded on past messages when the transaction had been successful that " We'll withdraw as a a ACH ... ''. The second representative with whom we spoke told us that people generally check 2 days later to make sure that the transaction actually occurred, Our accountant, who uses Chase and the app feels that this statement is not accurate and that, unless otherwise informed, the transaction is assumed to have gone through. We check with our XXXX account and no transaction was reported, so it seemed that Chase erred in not initiating the ACH transfer. 

We transferred the XXXX payment today making us current in or payment, but were informed that our chase card is now inactive and will not be activated until the withdrawal from our checking account occurs within the next two business days. Since we have autopay on many accounts, payments to several key accounts may be rejected. Chase representative XXXX and his supervisor XXXX said nothing could be done and that there was no one else to speak with up the chain of command. 

We also fear that this mix up could affect our credit. we have used this Sapphire credit card for many years and never missed a payment except when we were hacked about a year ago. We feel that this problem, which appears to be an error on Chase 's part could have been corrected immediately with effort to move it up the chain of command. We received " understanding " but no corrective action.
Consumer complaint received 2024-01-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (CT)

I started using the Apple Card in XXXXXXXX  and had some fraudulent charges that I disputed with apple through Goldman Sachs. They opened an investigation at least six or seven times and every time that it was rejected, they recharged my card. I disputed this because I made all of my payments on time and didnt carry a balance into the next month. In one case, the vendor charged my card seven times for one purchase and Goldman Sachs claimed that it was not fraud because the vendor credited the fraudulent amounts. The vendor did not credit me for any of the fraudulent purchases, nor did they provide credit for the one valid purchase. They constantly claimed to need documentation which I provided but they claimed with every dispute credit reversal that they didnt have any documents to prove it was fraud. It was a black hole despite sending via chat and email that was opened up for me by Goldman. Apple Card recently closed my account without explanation or even making customer service for the card aware. The decision was made in XXXX XXXX XXXX and it is non-negotiable. The Apple card company is now reversing charges for the EIGHTH time and rebilling me for charges paid in XXXXXXXX The total balance is approaching {$6000.00} with all of the rebilled charges throughout XXXX and XXXX This practice can not be legal and at the least is incredibly unethical. I have always paid my bill on time or before it was due and the suggestion that I did something against their policies is ludicrous.
Consumer complaint received 2024-03-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On Friday XX/XX/2024 at approximately XXXX XXXX  I visited the Bank of America located at XXXX XXXX XXXX XXXX, XXXX, MD XXXX. I was attempting to make a large withdrawal, the teller then proceeded to stare at his computer screen for about XXXX minutes. Next, the teller called his supervisor and when she came, she then proceeded to stare at his computer screen for about XXXX minutes. Next, the supervisor told me that she did not have access to the vault and then made a phone call saying that she had to call another bank. I told the supervisor that I understood and that I would be willing to accept a withdrawal in whatever the bank could spare. I asked to withdraw {$1000.00} and then {$500.00} and the supervisor said, " I do not have any money I can give you. '' I then asked for {$100.00}, and the supervisor still said, " I do not have any money I can give you. " All the while witnessing other customers cash their checks right in front of me. I left and went to the XXXX XXXX XXXX location, where I was properly taken care of. I recanted my experience at XXXX XXXX XXXX XXXX with the employees of the XXXX XXXX XXXX location. They were in disbelief that the XXXX XXXX XXXX XXXX location was not able to let me withdraw any cash from any of my accounts with Bank of America. I have been banking with Bank of America for more than XXXX  years and I honestly thought that I would never have to say this, but I feel like I feel that I have been unfairly and poorly treated. This entire situation has been weighing heavily on my mind since it happened, because I feel that if I looked a certain way, then I would have had no issues.
Consumer complaint received 2020-07-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

It is impossible to speak with someone over the phone from Experian. This company has been OBSTRUCTIVE to me refinancing my home. I WANT TO SPEAK WITH SOMEONE OVER THE PHONE TO FIND OUT IF THE FREEZE HAS BEEN PERMANENTLY LIFTED AS I REQUESTED. IS THIS TOO MUCH TO ASK?
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.