davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

In XX/XX/2020 XXXX there was a fire in my home. We filed an insurance claim and during the beginning of the claim process covid 19 started. The company that was going to be doing the restoration Completely shut down in regards to covid. Referred to another contractor. The contractor then took all information and said he would handle paperwork for mortgage company to get funds released for the job. Contractor then
forged the endorsement for the mortgage company, and deposited the check into his own chase account. 

He did not complete the work. 

In XXXX after gathering all evidence and getting affidavit of fraud from mortgage company and all other documents, the claim was filed. 

XXXX XXXX XXXX XXXX, the insurance companies bank, for the last 3 months has claimed to be waiting for chase to respond. Chase will not give out Any information to anyone other than their account holders. 

XXXX XXXX XXXX XXXX will not give me any info as they are a commercial bank and I am not their client. 

The insurance company doesn't care as they have already paid the claim in their eyes. 

The mortgage company does not care to follow up as the home is worth XXXX and the balance of mortgage is XXXX It's been more than 8 months, since filing claim. 

It has been 20 months since the home was damaged in fire.
Consumer complaint received 2023-08-11
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: WELLS FARGO & COMPANY (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 2023-03-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

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  - Has violated my rights UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX Has violated my rights XXXX XXXX XXXX XXXX  Has violated my rights XXXX XXXX XXXX XXXX Has violated my rights XXXX XXXX XXXX XXXX Has violated my rights XXXX XXXX XXXX   Has violated my rights 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 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CT)

I was an identity theft victim dating back to XXXX when I filed my first police report. It was due to Equifax due to a credit breech. In XXXX my credit was fixed and was XXXX. It is now XXXX and I have sent numerous letters, police reports etc to all 3 credit bureaus and my credit went from XXXX to XXXX. Instead of removing the fraudulent debt it is getting charged off. My consumer rights have been ignored. Charging off fraudulent debt to destroy my credit over and over again is not right. Fix my credit
Consumer complaint received 2018-03-20
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: RSH & Associates, LLC (MO)

I wrote XXXX several times regarding the inaccuracies they are reporting on my credit report on behalf of RSH & Associates LLC for account numbers XXXX for the amount of {$300.00}, and account XXXX for the amount of {$870.00}. I ask XXXX to investigate the inaccuracies and delete them off my report for their inaccurate reporting. My most recent letters to XXXX  was XX/XX/XXXX and again on XX/XX/XXXX. XXXX responded that after the investigation they concluded the information reported by RSH & Associates LLC was accurate and the collection remained on my report. XXXX did not require the company provide them or me with debt validation as I requested and XXXX was not provided with the original contract with my signature which mean they could not have property investigated this item and this is a direct violation of my rights. I sent a certified letter directly to RSH & Associates LLC to demand they validated the debt they are reporting to XXXX. RSH & Associates LLC has not replied to my request. I am now filing my complaint as my rights under the fair credit reporting act is being violated and I am seeking help to resolve this issue.
Consumer complaint received 2023-08-11
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX # XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-10
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: EQUIFAX, INC. (MI)

I provided on several occasions a police report and the inquiries are still there. I have a fraud alert and inquiries I dont recognize are on my credit report. I was told be XXXX  and XXXX  that they could not remove the inquiries.
Consumer complaint received 2023-05-15
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)

In accordance with the Fair Credit Reporting act.The lists of accounts below have violated my federally protected consumer rights to privacy and confidentiality under law 15 USC 1681. 

XXXX  : XXXX XXXX XXXX  XXXX XXXX : XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may take 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 any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  IL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX IL XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX IL XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-03-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TN)

I WAS AFFECTED BY THE EQUIFAX SECURITY BREACH AND ALSO A VICTIM OF IDENTITY THEFT. THE COLLECTION AGENCY IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... .COLLECTING FOR XXXX XXXX XXXX THIS IS WHAT I AM SEEING ON MY CREDIT REPORT. I REACHED OUT TO EQUIFAX ON THIS ISSUE AND THEY REMOVED IT AND BLOCKED THE COMPANY. I GET A LETTER XX/XX/18 FROM EQUIFAX STATING THEY VERIFIED THE COLLECTION AND PUT IT BACK ON MY REPORT. QUIT NATURALLY THE COMPANY WILL SAY ITS MINE BECAUSE MY INFORMATION MUST HAVE BEEN USED BY FRAUD..EQUIFAX GOT SOME NERVE AFTER ALL THEY HAVE PUT US CONSUMERS THRU LETTING MILLIONS INFORMATION GET STOLEN. THE AMOUNT OWED IS {$260.00}. I HAVE WRITTEN TO THE AGENCY AND ADVISED THE ACCOUNT S FRAUD, I HAVE NOT GOTTEN A RESPONSE THAT HAS BEEN MONTHS, AND ALSO CALLED THE AGENCY AND THE COMPANY THEY ARE COLLECTING FOR NO RESOLUTION BECAUSE THE REPS WERE SO RUDE, SO I ENDED THE CALL..EQUIFAX IS RESPONSIBLE AND NOW THEY WONT FIX IT
Consumer complaint received 2017-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

XXXX   XXXX  #  XXXX  bod  XXXX / XXXX /  XXXX    XXXX   XXXX  CT  XXXX  VA  XXXX   XXXX  Equifax and  XXXX  will not update my correct credit limit on my  XXXX   XXXX   XXXX  credit card account the correct limit is {$2200.00} with balance of  XXXX  correct my balance and credit limit
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Sezzle Inc. (AL)

I have reached out to Sezzle twice about the wrong balance reported on my account. The first time I called about the issue I was told my issue was escalated to a supervisor & would be called back. That never happened. I ended up calling again and was told they were late updating everyones credit report for the month of XXXX. I took a look into my XXXX  report today & today is XX/XX/XXXX not update of my current limit, wrong limit shown and balance. Sezzle has continually hurt my credit score since Ive been using them my credit has continuously dropped due to credit utilization being too high when I have paid this account off and have a higher credit limit. It shouldnt take 2/3 months to update a credit report.
Consumer complaint received 2023-03-03
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. (GA)

In accordance with the fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : DeptED/XXXX # XXXX Account name : DeptED/XXXX # XXXX Account name : DeptED/XXXX # XXXX Account name : DeptED/XXXX # XXXX Account name : DeptED/XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX All of these accounts have 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 State : 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 more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any informaton relating to a consumer to any consumer reporting agency if the person knows or has a resonable cause to believe that the information is inaccurate
Consumer complaint received 2023-01-02
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: Experian Information Solutions Inc. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-07-10
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. (NC)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX 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.
Consumer complaint received 2018-03-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (TX)

I have XXXX credit protection through XXXX because my information was compromised through their security breach. There are now collection notices from Sunrise on my report. I am not behind in any of my debts. I never received a bill or any other notice that I owed money to XXXX XXXX XXXX XXXX prior to this notice on my credit report. I was not aware of this alleged debt in any way prior to this notice. I have disputed this debt in writing with Sunrise Credit Service. I do not believe these businesses should  be able to phish for a response from me by placing a notice on my credit report without first sending me an actual bill that I don't actually pay. I do not do business with XXXX XXXX XXXX XXXX in any way and do not have a debt with them.
Consumer complaint received 2023-08-11
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)

Recently, I conducted an investigation on my credit report, and let me tell you, it really took a toll on me. I felt incredibly depressed upon discovering numerous items that were unverifiable, invalidated, inaccurate, and questionable. It was alarming to see that your agency had not ensured the information was reported correctly. 

You see, according to the Fair Credit Reporting Act, it's crucial for everything on my credit report to be 100 % accurate. And guess what? These accounts I found are in direct violation of both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) since they are not reporting information that is 100 % accurate. This is something that needs to be addressed and rectified as soon as possible.
Consumer complaint received 2018-03-19
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I'm a XXXX XXXX XXXX XXXX XXXX Veteran, for sometime now Wells Fargo has altered records, lied on records, destroyed records, discriminated and committed Fraud. 

They have made false statements, submitted false Credit Reporting information causing me much harm, they have DISCRIMINATED AGAINST ME, VIOLATED MY CIVIL RIGHTS AND MORE. 

There response is to delay, delay and cover up there ongoing fraud. Just today one of there many boiler room offices told me that " Do Not expect to ever get a Honest Answer ''
Consumer complaint received 2023-01-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

The banking XXXX XXXX Bank of America froze my account without any justifiable reason. I made XXXX deposit on the following dates XX/XX/XXXX in the amount of {$7200.00} which was a check from my insurance company from water damage in my home. Then I made a cash deposit of {$1700.00} and {$630.00} on XX/XX/XXXX after which Bank of America froze my account and provided no reason as to why. I spent XXXX hrs total of hold time with their fraud department and went to my local branch XXXX times located on XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX to get no resolution and the continued refusal to withdrawal my cash I just deposited on XX/XX/XXXX. The freezing of my account also caused several issues with debits I already had setup on my account XXXX of which is my mortgage payment for my home.
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I sent a letter on XX/XX/XXXX, to remove some items that are UNKNOWN to me. Im resubmitting a complaint to you today to inform you I was the victim of identity theft.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-01
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. (GA)

Please remove these inquiries from my credit report as I did not authorize them. I have included the identity theft report as well. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-05-11
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. (SC)

Between  XXXX   XXXX  and  XXXX  this collection has been taken off my report and placed back this is not the first time. I was able to screen shot it this time. I have not signed any contract with this company and I feel it should be removed from all my reports as it has and been put back on I feel that this is unfair to remove items and place them back
Consumer complaint received 2024-03-15
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: EQUIFAX, INC. (GA)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-06-11
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. (TX)

It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.
Consumer complaint received 2023-08-11
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: CCS Financial Services, Inc. (GA)

It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 3 previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. 

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.