davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am writing to file a formal complaint regarding the inaccurate reporting of a late open account and the unjust presence of a charge-off on my credit report. Despite my diligent efforts to rectify these issues, they persist, adversely affecting my creditworthiness and financial standing.

A charge-off entry has been unjustly placed on my credit report. Despite providing evidence and documentation proving that this charge-off is erroneous, it remains, tarnishing my credit history and impeding my financial opportunities.

I have made previous attempt to dispute and correct these inaccuracies, providing comprehensive documentation, including payment records and correspondence with creditors, to support my claims. However, despite my efforts, the credit reporting agency has failed to rectify these issues, causing undue hardship and frustration.

Therefore, I request the following actions : Correction of the late open account to accurately reflect my payment history.

Removal of the unjust charge-off from my credit report.

Thorough investigation into the handling of my disputes, including an examination of why the evidence provided was not considered in previous reviews.

Clear and transparent communication regarding the steps taken to address my complaint and prevent similar inaccuracies in the future.

I urge your agency to prioritize the swift resolution of these issues to restore the accuracy of my credit report and mitigate the adverse effects on my financial well-being.

I expect a prompt and satisfactory resolution within the exact timeframe of the receipt of this letter. Failure to do so will compel me to escalate this complaint to the appropriate regulatory authorities and pursue legal action to protect my rights as a consumer. With this, I am asking for your assistance to correct or remove these accounts in my credit file : XXXX XXXX  Balance : {$21000.00} - I do not believe I was late on the dates you are reporting. Please report the payment status positive and update all late from reporting on this account. 
XXXX XXXX XXXX  Balance : {$19000.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Consumer complaint received 2020-04-06
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. (OH)

I am writing this to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) committed by the three ( 3 ) parties listed below : Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX  XXXX. XXXX  XXXX XXXX, TX XXXX XXXX  XXXX XXXX. XXXX XXXX  XXXX, PA XXXX After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.
Consumer complaint received 2020-04-06
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. (AL)

I have disputed a public record item that is on my credit report with XXXX, XXXX, and Transunion. XXXX  has removed the item, but these 3 have said they verified it with the Bankruptcy court. I have and have presented the letter from the Bankruptcy court that indicates that they do not verify this information with 3rd parties. I have disputed the item at least 3 times and have been getting the same results. At this time I'm not only filing a complaint with you, but I'm also looking into going to court due to the fact this reporting has delayed a mortgage loan I'm currently trying to get.
Consumer complaint received 2020-04-06
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. (OH)

I am writing this to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) committed by the three ( 3 ) parties listed below : XXXX XXXX. XXXX XXXX XXXX, GA XXXX Experian XXXX. XXXX  XXXX XXXX, TX XXXX XXXX  XXXX XXXX. XXXX XXXX  XXXX, PA XXXX After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.
Consumer complaint received 2020-03-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

XXXX XXXX loan officer of Santander bank is a fraud. He has mislead me in terms of rates to get my business. We rate locked at 3.50 % no points, when the rates dropped in early XXXX he told me he could lower to 3.25 % no points, in reality it was 3.25 % with 1.375 pts THAT HE DID NOT DISCLOSE. When I kept asking him for corrected loan estimate and corrected rate lock to show the lower rate, he told me I was harassing him and not to contact him and go through my attorney. Come to find out this was because he knew he did not disclose the 1.375 pts, nor did I ever sign any disclosure that said 3.25 % with 1.375 points. He knew if he told me that in early XXXX I would have shopped around with another lender because the rates had dropped then, he prevented me from doing so by falsely representing the rate he would give me. Then stalled on paperwork until days before the closing so I had no choice to go with them or shop elsewhere. His practices are completely illegal and misleading.
Consumer complaint received 2020-03-26
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. (PA)

I attempted to resolve the issue of Identity Theft and submitted several FTC reports # XXXX and Equifax has failed to block these items on my credit report, under the FCRA section 605B. They stated these items came back verified back on XX/XX/2020. I have since submitted FTC reports and of course if someone stole my information!! They haven't responded and its been over 30 days. I am doing everything to protect myself. I do not feel protected or supported by this company. This is a direct violation of my rights as a consumer. 

My 2nd issue is the response to my previous complaint with CFPB # XXXX. They never resolved my dispute with the bankruptcy. They keep giving me the bankruptcy court address and number but not my personal information linking the bankruptcy to me. Under the FCRA I have the right to request the description of the procedure used to determine the accuracy and completeness of information an they have failed to provide this information. My full name, full social security number and amount of money included with the bankruptcy and my address. I recently received a letter from the bankruptcy court stating they do not provide personal information to third parties. I submitted this letter with my dispute with XXXX.
Consumer complaint received 2020-04-06
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. (OH)

I am writing to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) committed by the three ( 3 ) parties listed below : XXXX  XXXX. XXXX XXXX XXXX, GA XXXX Experian XXXX. XXXX  XXXX XXXX, TX XXXX XXXX   XXXX XXXX. XXXX XXXX  XXXX, PA XXXX After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) committed by the three ( 3 ) parties listed below : XXXX  XXXX. XXXX XXXX XXXX, GA XXXX Experian XXXX. XXXX  XXXX XXXX, TX XXXX XXXX  XXXX XXXX. XXXX XXXX  XXXX, PA XXXX After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2020-03-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (ID)

We have been told that the Government has now initiated a new program for extending mortgages due to the Coronavirus situation. Supposedly the banks will extend mortgages for up to a year. 

We have two mortgages for our rental properties : one is  with XXXX XXXX XXXX and one is with Chase Bank. We would like to extend these mortgages for at least 90 days because we don't want to be caught in a bind. It looks like more and more states are not allowing evictions for non-payment of rents. If this were to happen to us we would not be able to pay the mortgages on these rental properties. 

XXXX XXXX XXXX - We have called XXXX XXXX XXXX and Chase bank on XX/XX/20, XX/XX/20 and XX/XX/20. We have been on hold for over 2 hours then the call drops. This repeats no matter how many times we call Chase Bank - We went to Chase bank on XX/XX/20 to find out how to contact them and they gave us 3 websites to check and none of them were any help. See attached document : Chase websites for Loan Extensions
Consumer complaint received 2020-04-06
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. (OH)

I am writing to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) committed by the three ( 3 ) parties listed below : XXXX  XXXX. XXXX XXXX XXXX, GA XXXX XXXX  XXXX. XXXX  XXXX XXXX, TX XXXX Transunion LLC XXXX. XXXX XXXX  XXXX, PA XXXX After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) committed by the three ( 3 ) parties listed below : XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX  XXXX. XXXX  XXXX XXXX, TX XXXX Transunion LLC XXXX. XXXX XXXX  XXXX, PA XXXX After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.
Consumer complaint received 2020-03-26
Product: Credit card or prepaid 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: BARCLAYS BANK DELAWARE (GA)

I was scammed out of {$590.00} by Barclay 's Card Services and their Merchant partner XXXX. Barclay 's provided a payment platform that allowed XXXX to received credit card payments from consumers such as myself without ever delivering a activated software download. I ordered a XXXX  XXXX   software from XXXX but they never activated the software for my use or benefit. Then XXXX refused to refund my purchase and took refuge behind their merchant agreement with Barclay 's Card Services. Barclay 's claimed that they competently investigated my dispute but they did not. All of their investigator were based outside of the USA and couldn't speak good English and therefore, didn't even understand the nature of the problem. I sent Barclay 's copies of screenshots and emails from their merchant partner showing that the software was never activated by XXXX and that I never received a working product as advertised and described on their website. I requested on numbersous occasions to speak with USA based Barclays employees but got the Run Around and never spoke to anyone in the USA. I have told Barclay 's Card representatives that I will pay my balance down to the {$590.00} but I refuse to victimized their scammer partner and their sham Consumer/Member Protection Policy.
Consumer complaint received 2022-12-28
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. (TX)

Greetings, This is my follow-up request regarding the accounts that are reporting incorrectly. Please fix the individual accounts in order to appear accurately in my report, and could not harm my credit score. 

Here are the accounts mentioned : XXXX XXXX XXXX XXXX  Balance : {$650.00} XXXX XXXX XXXX XXXX  Balance : {$1000.00}
Consumer complaint received 2020-03-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CA)

- XXXX XXXX had a fire on XX/XX/2019. 
- My house was saved but experienced some damage. 
- XXXX, my insurance carrier was very prompt, and did a great job. 
- XXXX sent me a check for {$23000.00} for the windows that were melted and damaged. They made Chase Bank, my mortgage holder, a co-payee on that check. 
- Chase endorsed the check, after I applied pressure, the work was completed, and the vendor was paid for the work. 
- My insurance company sent me a check for {$17000.00} for additional work including wrought iron fence. Some of the work, including cleanup, I did on my own, as it is less disruptive than having vendors who always show up late. 
- I held on to the check, until the windows were done, and I took the proof to the Chase office. 
- Chase now wants to deposit the funds in their internal account, and then make me go through a process, everytime someone needs to be reimbursed. 
- This puts on necessary burden on me and my family, especially during these COVID-19 times. 
- I owe only 43 % of the current value of my house to Chase. I have made all my payments with them on time. 
- I do not want my money held in an escrow account. This puts additional burden on me, during a stressful time. 
- There is no reason to do so, given my percentage ownership in my own property, as well as my payment history.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

I've disputed accuracy and validation of account. Ask to provide verification method with contact name and info. Only to have and update to an old account that's 7 years plus and descriptors and my score plummet 30 more points. This is unacceptable.
Consumer complaint received 2023-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (PA)

On XX/XX/23 I applied for the Citi/AAdvantage Platinum Select card directly from the XXXXXXXX XXXX website . I was in the process of purchasing flights and it showed that I could pay today and get a statement credit if I purchased the flights with the card when I was in the checkout window. I applied for the card directly from the checkout page where the message was located and received a message that it was pending review. I called XXXX XXXX to ask about purchasing the flights with the card that day because I wanted to purchase them right away and they said I would have to wait until I received the physical card in the mail to purchase the flights. I felt this was deceptive because I would not have applied for the card that day unless I was receiving flight credit for the flights I was purchasing. Also, when I received the card, there was no information about how to earn the XXXX reward miles or the {$250.00} statement credit that was advertised in the material that was sent to me with the card. I did locate a not-so-easy-to-find link when I created an account online for the card about getting the miles ( it showed how much money I have to spend to earn the miles when I clicked on it but I would not have gotten this information if I had not signed up for their online account services ) and I have yet to find any info about the {$250.00} flight credit, so Im not even sure if they will honor that if I purchase another flight. I have signed up for other airline credit cards before and received everything in writing in the packet I received in the mail with the card so I knew what the promotions were and had it in writing.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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 XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or a list of inquiries : 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 2020-03-26
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 received a call from a student loan company several times a couple of days ago. They continued to ask me about the student loan account. I have never applied for student loans. I have never went to school to have student loans. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX XXXX {$7100.00} XXXX XXXX XXXX XXXX {$2300.00} XXXX  XXXX XXXX  XXXX {$5400.00} XXXX  XXXX XXXX  XXXX {$5400.00} XXXX XXXX XXXX XXXX {$7200.00} XXXX  XXXX XXXX  XXXX {$7300.00} XXXX XXXX {$4000.00}