davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-03
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: EQUIFAX, INC. (CA)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is XXXX XXXX true, accurate & correct. 
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, 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 XXXX 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 XXXX, Equifax are 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 item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to ... promptly REPAIR all information which can not be verified. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items is being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or UPDATE all information which can not be verified. 
XXXX FIN SVC XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$0.00}.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or signed any agreement and contract. The items I'm complaining have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following listed items below : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, GA XXXX XXXX XXXXXX/XX/XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-01-03
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. (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 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 2023-08-18
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: EQUIFAX, INC. (NM)

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.

The letters are stated with items and issues.

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 2024-06-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

On XXXX/XXXX/24 Chase Bank abruptly closed my joint cg cling account # XXXX, without my approval or even knowledge. The abrupt closure of this account was shrowded in complete secrecy. 

When I called Chase Bank customer service to discuss the abrupt closure, and their reason for this action, I was told that the reason for the account closure would not be identified, because Chase Bank had no requirement to discuss it. 

I called Chase Bank 7 more times within the next 24 hours, and I received the same curt canned response each time. Surprisingly, my personal checking account, personal savings account, and XXXX Chase credit cards were unaffected by this rogue action. Chase Bank refused to explain why just my joint account was abruptly closed without notice. 

I learned of the joint account closure when I attempted to transfer cash into the account, using Chase Banks website. I received no descriptive error, only that the transfer failed. I was informed of the account closure when I called Chase Bank to inquire about the account transfer failure. 

This egregious action by Chase Bank has caused an immediate financial hardship, as I have preauthorized numerous merchants to deduct various monthly amounts for household expenses, everything from my mortgage, auto insurance, utility bills, internet and TV cable, etc. 80 % of these household expense merchants attempted to debit this closed joint account between the dates XXXX/24-XXXX/24. The remaining 20 % of the household expense merchants will attempt to debit this account between XXXX/24XXXX/24. 

To date I have been charged over a XXXX dollars in late fees. And its only been 2 days since the abrupt account closure. 

I request assistance from the CFPB to file sanctions and penalties against Chase Bank for this unprofessional conduct regarding my joint checking account closure. 

Additionally, I request assistance from the CFPB in the recovery of late fees directly resulting from the unprofessional conduct. 

I reserve my right to sue Chase Bank for recovery of any fees that can not be recovered.
Consumer complaint received 2020-03-25
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. (AR)

I was informed by my banker ( years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. 

XXXX XXXX  XXXX {$3700.00} XXXX XXXX XXXX {$1200.00}
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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

I have hard inquiries on my report that I do not recognize, are affecting me financially & I do not & have not give written consent for these hard inquiries to be on my credit reports pursuant to 15 U.S.C. 1681 section 602 A and 15 U.S.C. 1681 section 604 A - Section 2. 


XXXX XXXX XXXX XXXX Hard Inquiry date : XX/XX/2023 XXXX Hard Inquiry date : XX/XX/2023 XXXX XXXX XXXX Hard Inquiry date : XX/XX/2023 XXXX XXXX XXXX Hard Inquiry date : XX/XX/2023
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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NV)

Please delete the following unauthorized hard inquiries from my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc. (OH)

XXXX Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Ohio FCRA Identity Theft Fraud Laws Dear GM FINANCIAL, I am writing to address a serious matter regarding the unauthorized reporting of information to my credit report, which is in clear violation of the Fair Credit Reporting Act ( FCRA ) and Ohio identity theft fraud laws. 

It has recently come to my attention that GM FINANCIAL has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, specifically the FCRA, mandates that consumer consent is required for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Ohio state laws, particularly those related to identity theft and fraud, emphasize the critical need for consumer consent for credit reporting activities. These laws are designed to protect consumers like myself from unauthorized access and misuse of personal information. 

I want to emphasize that I have not provided consent for GM FINANCIAL to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights and could potentially damage my creditworthiness. 

Therefore, I demand that GM FINANCIAL immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as required by Section 1681b ( a ) ( 2 ) of the FCRA and Ohio identity theft fraud laws. Failure to comply within the stipulated XXXX timeframe will be considered willful noncompliance, subject to penalties under applicable laws. 

Obtaining consent is not optional ; it is a legal obligation under these specific sections of the FCRA and Ohio state law. This is a demand for compliance with both federal and state regulations, aimed at protecting consumers from unauthorized and damaging credit reporting practices. 

I expect GM FINANCIAL to address this matter promptly and rectify these violations in accordance with federal and Ohio state laws. 

Done in good faith,
Consumer complaint received 2023-01-10
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On XX/XX/22 I sent a letter regarding inaccurate on my credit report to this day over 60 days later I have not received a response yet. I feel like I am being ignored and my disputes not being acknowledged.
Consumer complaint received 2023-05-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (TX)

XXXX XXXX XX/XX/XXXX in the amount of XXXX date discovered XX/XX/XXXX XXXX XX/XX/XXXX in the amount of XXXX and the date discovered XX/XX/XXXXXXXX XXXX XXXX XXXX the amount of XXXX and was discovered on XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX in the amount of XXXX and was discovered on XX/XX/XXXX I've tried disputing and they will not remove and they keep calling and i told them its fraud.
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MI)

XX/XX/XXXX ]. REPORT NUMBER : XXXX [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX, [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT LAYE PAYMENTS WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Consumer complaint received 2023-01-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (IN)

I relocated from XXXX XXXX XXXX on XX/XX/XXXX. A XXXX prior to my relocation, I called up XXXX / XXXX and requested the XXXX to disconnect my internet and tv service effective XX/XX/XXXX. At my new location in Indiana, XXXX / XXXX is not authorized to do business. I had established internet and tv service with XXXX at my new location. XXXX had sent me a bill for {$100.00} for the service period XX/XX/XXXX - XX/XX/XXXX even though I used its service only up until XX/XX/XXXX. I requested XXXX to send me a corrected bill and it refused to do so. I filed complaints against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.. While said complaints were under scrutiny by said agencies, XXXX had instigated the XXXX XXXX Sunrise Credit Services , Inc. to harass me and collect {$100.00} which subsequently got changed by the Company to {$100.00}. It was unfair business practice on the part of XXXX to have engaged a XXXX XXXX while my complaints against the XXXX was under scrutiny by various enforcement agencies. Sunrise Credit Services Inc. had filed derogatory reports about me with the XXXX credit bureaus XXXX, XXXX XXXX XXXX. Under duress, I paid {$100.00} to XXXX and requested the XXXX for a receipt which it refused to provide. I requested XXXX to advise Sunrise Credit Services Inc. to cease and desist collection which XXXX refused to do. I requested XXXX to refund the excess amount it had collected from me in light of the fact that I should have been required to pay for only XXXX XXXX as opposed to XXXX XXXX which XXXX refused to do.
Consumer complaint received 2023-05-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

This agency never send me anything about a collection debt trying to collect and now they taking out of my check now I live pay check to pay check a debt back in 2007 which I don't recognize or have no previous knowledge of it.
Consumer complaint received 2023-05-23
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. (IA)

In accordance with the fair credit reporting act. The list below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX 15 U.S.C 1681 section 602A 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 insructions.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the in information is inaccurate.

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 wich antedates the report by more than seven years.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2023-01-03
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. (LA)

I have been receiving phone calls from debt collection agencies. I took the time to contact the debt collection agencies as well as the XXXX credit bureaus. 
Upon receiving a copy of my credit report I have retrieved the info about an unknown unauthorized account. I was told by the credit bureaus to file a police report for the fraudulent activity on my credit report. 
I have no knowledge of this debt. This is not my debt. The following accounts are the result of identity theft : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I am still waiting on XXXX more fraudulent accounts information. I will be contacting you guys in a week or so with the other fraudulent accounts to add to this report. I would really appreciate these issues being taking care of. I file a police report as well and XXXX attach the supporting documents Please remove this fraudulent account. 


Account Balance {$2000.00} XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, VA XXXX.
Consumer complaint received 2023-02-21
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. (DE)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (NV)

I PAID OFF AN AUTO LOAN WITH NAVY FEDERAL ON XX/XX/XXXX ON XX/XX/XXXX THE AUTO LOAN WAS LISTED AS 30 DAYS LATE FROM XXXX  XXXX, XXXX. I HAD 100 % ONTIME PAYMENTS SINCE THE OPENING OF THE ACCOUNT DATING BACK TO XX/XX/XXXX. ITS IMPOSSIBLE TO CHANGE THE PAYMENT HISTORY TWO YEARS AFTER THE ACCOUNT IS CLOSED AND PAID OFF. I RECEIVED THE PAYMENT HISTORY FROM NAVY FEDERAL AND I HAD NO MISSED PAYMENTS.
Consumer complaint received 2023-03-16
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: EQUIFAX, INC. (FL)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Carvana Group, LLC (AR)

Recently purchased a vehicle from Carvana. I was unable to get XXXX ( warranty company that Carvana uses ) to agree to repair a few cosmetic flaws during the XXXX return period, so I took it to the mechanic on day XXXX. I was called by the repair facility the next day and told that my vehicle had some issues that needed to be addressed. I was told that my vehicle was definitely in an accident and it had not been repaired properly. I was told that a " safety bar '' had been completely broken. That's an important piece of vehicle to keep passengers safe in the event of an accident. I immediately notified XXXX and Carvana. I was told to make sure that the repair facility provided photos of the broken piece. Repair facility did that. I called XXXX again and my estimate was escalated. It was denied. I called Carvana. I spoke to management. I was told that if XXXX didn't approve the repair then I would have to pay for it myself. I was very specific when asking what Carvana could do to make my car safe enough to let my children ride in, when I was told there was nothing that could be done. I can't afford a {$25000.00} vehicle that I can't put my kids in safely. I really like the car. I just want it fixed properly. I'm paying for a vehicle that has been wrecked for the price of XXXX that hasn't. I contacted the financial institution that carries my loan ( I haven't even had a payment due yet ) to see if they were able to help me make sure the car was safe .... they said there wasn't anything they could do.