davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-25
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: EQUIFAX, INC. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reportiSee the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.ng me as late.
Consumer complaint received 2023-04-13
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)

As outlined in my initial dispute letter, I have reason to believe that the account is inaccurate, and I have provided documentation to support my dispute. The account in question is a charged off account with XXXX XXXX XXXX XXXX ( account number : XXXX ). According to my most recent credit report ( attached ), XXXX, XXXX, and Equifax all report different last activity dates as XXXX : XX/XX/XXXX, XXXX : XX/XX/XXXX, while Equifax reports the last activity date as XX/XX/XXXX. 

Equifax also is reporting a different last payment date as can be seen in the attached current credit report. XXXX and XXXX are reporting a date of XX/XX/XXXX, while Equifax is reporting XX/XX/XXXX. Equifax clearly has information of a payment made on the account which can be seen in the additional attachment of my Equifax credit report from XX/XX/XXXX which shows in the highlighted Historical Account information a payment of {$1200.00} on the account on XX/XX/XXXX. Equifax has chosen not to properly update and report the account, but also neglect any responsibility to properly investigate my dispute and lie that the information was verified violating multiple federal laws.
Consumer complaint received 2022-12-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am filing a complaint for Transunion Credit Reporting Service. I have a discharged mortgage account that just re-appeared on my Transunion credit report only. I filed Bankruptcy on XX/XX/XXXX with case # XXXX. The discharge was ordered on XX/XX/XXXX. The bankruptcy process was long however, I this account was included in bankruptcy for XXXX XXXX years. The other XXXX major credit reporting agencies { XXXX and/or XXXX ) are reporting the account as " Debt included in or discharged through bankruptcy XXXX XXXX '', or have been removed from my credit report. I am attaching a copy of my XXXX credit file showing the account in question. I have already tried to dispute this item however, it was not processed. I am attaching a copy of the dispute request for Transunion.
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-12-10
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. (NJ)

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 XXXXXXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX  # XXXX Account name : XXXX  # XXXX Account name : 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 2022-12-10
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mid-America Accounts Control Bureau, Inc. (MO)

received call from XXXX  XXXX  on account with XXXX XXXX. explained that i refused to pay because XXXX XXXX refused to cancel the advertising and made me keep going with it with no results. and that i have filed complaints a few times on this. and the thing that really stuck out to me was how rude the person on the call was acting. even as i was explaining that this was a debt the company contunied to force me to have after requests were made to stop service. to which she finally replied that she knows how to make it stop and hung up on me. will be attaching a letter that was also sent to XXXX XXXX XX/XX/2018 as this is going on 4 years of fighting this now.
Consumer complaint received 2023-11-09
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: Palisades Funding Corporation (NY)

This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior
Consumer complaint received 2022-12-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (TX)

I XXXX XXXX deposited a check from my business account at XXXXXXXX XXXX to my personal account Chase ending in XXXX with the amount {$12000.00}. It was my mistake that forgot to sign on the front of the check, and the check didn't go through. However, the chase bank sent me a message that " ATM Check Error '', and overdraft my account {$12000.00}. I have tried to call the customer service, and they transfered me to 3 persons, let me wait over 30 minits and the last represensirive is rud and she said she can not see anything, and refuse to assist me and hand off the call. 

It does not make sense that I owe chase bank {$12000.00} in one night and they may charge my overdraft fee.My wife has tried to transfer {$1000.00} to the account to see if it can balance back, failed. And I don't know what is the next step, should we continue deposit the money to the acount or continue using this account or not. cause it is minus {$12000.00}. It is my first time to have this kind of issue.
Consumer complaint received 2022-12-09
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: Long & Foster Financial Services, Inc. (NC)

I was contacted by Prosperity Home Mortgage while investigating HELOC rates and was willing to listen to their agent. As we were exchanging information I explicitly asked if this would be a hard credit pull and XXXX ( XXXX # XXXX ) stated " No, not until you apply for the mortgage ''. We continued with the process and he asked for my XXXX and XXXX for what I assumed was a soft pull regarding current rate levels, which is all I wanted. I had no intent at the time to apply for a loam through this lender. Once I saw the hard pull populate on my report, I asked him if that was a hard pull he just performed, and he confirmed that it was. This was not stated clearly prior to the pull and it was not clarified that I was in the midst of ANY application for a loan. He then told me " it's fine, it will fall of in 30 days ''.
Consumer complaint received 2022-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hi, I was a victim of identity theft. Someone has stolen my data and created negative accounts. I want to remove negative accounts from my credit report. I have sent the complaint letters to credit Bureaus to remove these accounts. These accounts are decreasing my credit points. But, they are not removing them. Please remove all negative accounts from my credit report as soon as possible.
Consumer complaint received 2022-12-09
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. (PA)

I reached out to Experian and XXXX credit agencies regarding this XXXX account. The agencies listed above are reporting inaccurate information as XXXX has deleted the item from my credit report ( please see attachment of letter I received ). Experian and XXXX were sent a copy of the letter from XXXX asking to remove the account as they are reporting inaccurate information across the board from all 3 different credit agencies. The account has been deleted by XXXX.
Consumer complaint received 2022-12-09
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. (PA)

I reached out to XXXX and Equifax credit agencies regarding this XXXX account. The agencies listed above are reporting inaccurate information as XXXX has deleted the item from my credit report ( please see attachment of letter I received ). XXXX and Equifax were sent a copy of the letter from XXXX asking to remove the account as they are reporting inaccurate information across the board from all 3 different credit agencies. The account has been deleted by XXXX.
Consumer complaint received 2022-12-10
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. (MD)

XXXXXXXX XXXX- XX/XX/XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX A XXXX Mortgage Companies - Finance XX/XX/XXXX XXXX XXXX Mortgage Companies - Finance XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXXXXXX Auto Dealers, Used XX/XX/XXXX TransUnion XXXX XXXX Auto Financing XX/XX/XXXX TransUnion XXXX Auto Financing XX/XX/XXXX TransUnion XXXX XXXX Auto Financing XX/XX/XXXX TransUnion XXXX Auto Loans XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Financing XX/XX/XXXX XXXX XXXX XXXX OF TO Auto Dealers, New XX/XX/XXXX XXXX XXXX XXXX XXXX CO Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX New XX/XX/XXXX TransUnion XXXX Auto Financing XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX Auto Dealers XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX
Consumer complaint received 2022-12-10
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. (NY)

For several months, I have been trying to dispute negative accounts from my credit report, several times. Recently, I did an investigation on my credit report which caused severe XXXX upon me, and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % In accordance with 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.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. $ 168i ( 7 ) Method of verification- Description of reinvestigation procedure. 


Listed below are the negative accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attached below is the recent letter I filed.
Consumer complaint received 2022-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the Fair Credit Reporting Act, DEPTEDXXXX XXXX # XXXX DEPTEDXXXX XXXXXXXX # XXXX DEPTEDXXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX US DEP ED XXXX XXXX XXXX US DEP ED 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 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2018-04-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC (IL)

I received a letter in the mail dated XX/XX/XXXX from XXXX XXXX XXXX saying I owe XXXX. The letter stated this is an attempt to collect a debt. Unless I notify there office within 30 days after receiving this notice that I dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. I mailed a certified letter to XXXX XXXX XXXX dated XX/XX/XXXX requesting validation of the account. I did not hear or receive any documentation response for XXXX XXXX XXXX. On XX/XX/XXXX I get a email from my credit report monitor service saying an collection account been added to my all three credit agency and it was XXXX XXXX XXXX.
Consumer complaint received 2023-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (IL)

I sent a check to the United States Treasury to pay my taxes through Chase Bank- and that check was stolen, forged, and cashed. I only realized it when the United States Treasury sent me a bill saying that I never payed taxes in 2022 so I went to check what happened as I knew that I sent the check and it was cashed. 

Upon looking at the check I noticed it was forged and a new name was on it and it was cashed back in 2022. I immediately went to Chase Bank and filled out the proper forms with the Chase Bank manager and he told me this happens a lot and I would have no problem getting my money back. 

The forms were sent and I a couple of days ago my claim got denied because i missed the 30 day window to file a claim. I have the check I wrote and also have the check I cashed and clearly it was forged and Chase didn't deny that as the evidence is all there. They just said the only exceptions to this rule is if I was in a comma, in jail or a place that I had no access to my account- otherwise there was nothing they could do. 

I went back to the bank and asked them to file an exception as they were surprised with the results, but then said it was the policy and my chances were low. 

The date the check was cashed was XX/XX/2022 for XXXX XXXX dollars. They said that the check was cashed at a XXXX  XXXX XXXX even tho it had my social security number, 1040-EZ 2022 form written on the check. 
The paperwork and complaint I sent to Chase was on XX/XX/XXXX through a chase branch sumbited by XXXX XXXX the a Chase employee.
Consumer complaint received 2018-10-16
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. (MS)

I submitted disputes of errors on my credit report and included notarized drivers license and proof of residency to remove fraudulent address and unverified and inaccurate information showing on my credit report, namely XXXX. The following has not been validated according to the fair credit reporting act 623 ( a ) ( 3 ).

According to the FTC opinion letter, regarding the type of validation required by section 809 ( b ) of the Fair Debt Collection Practices Act, an itemized statement of services rendered, requires the information from the Original Creditor. Meaning the name of the original credit grantor as reflected in the K1 Segment in Metro 2 and should be consistent with the Credit Reporting Resource Guide., therefore provide me with the name, address and telephone numbers of anyone from the original creditor you contacted concerning the unverified and inaccurate accounts and addresses listed below per the FCRA 611 ( a ) ( 1 ) ( A ).
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-12-08
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. (GA)

The inquiry listed below is fraudulent and is being reported on my equifax credit report which is against the law. 


Fraudulent Inquiry Equifax XXXX XX/XX/2022
Consumer complaint received 2022-12-10
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. (MI)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX SSN : XXXX D.O.B. XX/XX/XXXX To Whom It May Concern : I was looking over my credit report recently and found a bankruptcy inquiry and I am requesting you verify the accuracy of this entry. If verification is not possible, the entry must be removed immediately. XXXX XXXX XXXX Docket # XXXX. Please respond to me in writing and include the method of verification under FCRA 611 ( a ) ( 7 ). This should include the following : The name of the courthouse with which you verified the information The name of the person at the courthouse who handled your request The address of the courthouse Which document you obtained to verify the bankruptcy Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (MI)

I have filed complaints regarding incorrect account information being reported on credit file by Synchrony/Lowes on XXXX and XXXX in an attempt resolve this negative item being reported to the Credit Bureaus. This will be my 3rd attempt to resolve this concern. The responses that I have recieved from both XXXX XXXX and XXXX XXXX ( Senior Specialist Corporate Consumer Relations representatives ) has been insufficient and unverifiable. Both responses include account statements and a letter from XXXX XXXX XXXX as proof that this account is correctly being reported on my credit file. Statements are not validation of debt, and a letter provided from XXXX XXXX XXXX with no signature from me claiming a payment resolution on my behalf is also not validation. You have failed twice now to resolve this issue after I have provided ample documentation that proves this account should be removed from my credit file. First you have failed to report to the Credit Bureaus that the account was disputed to which I provided a copy of my credit report, secondly you incorrectly reported the balance of this account. I am now providing a copy of my credit report that shows a difference in date of last activity being reported to both XXXX ( XXXX ) and XXXX ( XXXX ) on your behalf. I clearly have shown your failure to 100 % accurately report account information to my credit file per the credit reporting bureaus.
Consumer complaint received 2023-09-28
Product: Credit reporting 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)

In according with the fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are violating 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 furbish an account without my written instructions.