davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-24
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. (TN)

I have been trying to dispute incorrect items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-07-24
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. (NY)

This is my Complaint about the negligence of the 3 Credit Bureaus and I alleged that they have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late status of accounts resulting in significant harm to my financial standing and reputation. I demand that they rectify this violations and provide me with accurate and updated credit report immediately. This is the inaccurate accounts that I want them to correct : XXXX XXXX XXXXXXXX Balance Owed : {$33000.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$33000.00} ; XXXX XXXX XXXX Balance Owed : {$33000.00}.
Consumer complaint received 2023-07-24
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. (NY)

This is my several request to the three Credit Bureaus and it seems it does'nt makes me satisfied of what they conclude to my credit report. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain the highest credit score, I want the three credit bureaus to be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove those items which are frauds from my personal credit file : XXXX XXXX  XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX Balance Owed : {$33000.00} ; XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX  XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX ; XXXX XXXX XXXX Balance Owed : {$33000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX.
Consumer complaint received 2023-06-05
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. (LA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-24
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. (FL)

On XX/XX/2023 i sent a letter regarding inaccurate unknown things on my report its been more than 30 Days they havent responded yet, i feel like they are taking their time and taken advantage of me by ignoring me. i want these accounts to be removed from my report as per FCRA section 611A. 
I surely was a victim of the equifax date breach.
Consumer complaint received 2023-07-24
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. (KY)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair or remove these inaccurate items from my file. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: JPMORGAN CHASE & CO. (PA)

In general, you must report any taxable amount of a canceled debt as ordinary income from the cancellation of debt on Form 1040, U.S. Individual Income Tax Return, Form 1040-SR, U.S. Tax Return for Seniors or Form 1040-NR, U.S. Nonresident Alien Income Tax Return ( attach Schedule 1 ( Form 1040 ), Additional Income and Adjustments to IncomePDF ) if the debt is a nonbusiness debt, or on an applicable schedule if the debt is a business debt. See Publication 4681, Canceled Debts, Foreclosures, Repossessions, and Abandonments ( for Individuals ).

CHASE did not provide me with a 1099-C therefore making my 2019 Taxes Incomplete and Misrepresented. Information on credit report for JPMCB needs to be DELETED for this inaccuracy. On all Credit Agencies ( XXXX, XXXX, XXXX ) And all secondary Credit agencies.
Consumer complaint received 2023-07-23
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I have been back in forth with these companies for months now. the last letter I received back was on XX/XX/2023, and they are not telling me nothing on why they arent taking these fraudulent accts off of my profile. I have sent the bureaus police reports and letters explaining I was a victim of Identity theft and that these accts do not belong to me. There is a XXXX XXXX and a XXXX XXXX XXXX  that arent mine.
Consumer complaint received 2024-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent multiple letters to this creditor to get this inaccurate account removed from my credit report. It has been more than XXXX  days and still no change which is a defamation of my character with false and misleading items that are not verified on my report. I wish to have this removed immediately. I do not owe XXXX XXXX in the amount of {$190.00}
Consumer complaint received 2023-07-24
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-07-24
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. (LA)

I submitted this complaint to update this suspicious information. 3 Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
GXXXX XXXX XXXX XXXXXXXX ; Balance : {$15000.00} XXXX/DEPT OF ED XXXX Balance : {$3700.00} ; XXXX/DEPT OF ED XXXX Balance : {$6600.00}.
Consumer complaint received 2023-07-24
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)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : ) XXXX XXXX XXXXXXXX Balance : {$170.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-24
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. (CT)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-05-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

1. Item remains in inquiries section : XX/XX/2023 XXXX XXXX XXXXXXXX added to TransUnion Credit Report without permission. 

2. On XX/XX/2023 a representative or a third party responded to CFPB claim # XXXX which was submitted on XX/XX/2023 stating that the Personal Information section of the TransUnion version of the credit report had been updated. TransUnion was not given authorization to update anything in the Personal Information section, only the Inquiries section in CFPB claim XXXX complaint details section. 

The current copy of the report shows no phone number - ADDED, if this was in error please confirm. If not, a separate complaint will be opened.
Consumer complaint received 2023-07-24
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts and inquiries : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XX/XX/22 XXXX Please remove these items ASAP.
Consumer complaint received 2023-07-24
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. (TX)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX Balance : {$940.00} ; XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX XXXX : {$530.00}.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (NC)

I took out a loan through Affirm, to pay for a washer and dryer from XXXX. I made all payments on time. Account is paid in full and closed, yet still remains on my credit report, after I asked them multiple times to please remove it. They assured me the accounts would be removed within 30 days of my call. It has been two months later and the accounts still remain on my credit report. They also put 30 and 60 days delinquent remarks on my credit and will not remove it. These accounts are paid in full and on time. They are refusing to remove two accounts off of my credit report.
Consumer complaint received 2023-01-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (WV)

I had an account with Chime Financial, the online banking site. On XX/XX/2022 my credit builder account was hacked, depleting my credit builder account of its funds. On Sunday morning, XX/XX/XXXX the funds were back in the account but on that evening I was hacked again. 

On Thursday morning, XX/XX/XXXX, XXXX XXXX, I received an email from Chime informing me that they were immediately closing my account for " non-compliance '' of their XXXX and they were not going to refund the balance of my account. 

With no prior warning this left me in the position of having no bank account and no funds to open a new one elsewhere. 

What is most distressing is that the money they are holding XXXX is a direct deposit of my Social Security payment for the month of XXXXXXXX XXXX I live on a fixed income and am dependent on this money for rent, car payments and other necessary bills. My creditors have been understanding with my situation but it has been extremely stressful and put me in an unfortunate and unnecessary burden financially. I am currently undergoing treatment for XXXXXXXX XXXX XXXXXXXX XXXX and this money is necessary to help pay for travel expenses to Ohio. I am in a dire situation and Chime is unwilling to return my funds. 

They will not tell me what non-compliance i am in violation of nor have they made any effort to release my money. It is my understanding that it is against the law for them to hold a federal check or a direct deposit. Many phone calls to member services have been fruitless and i am given the runaround and told that my issue will be expedited and that it takes about a month to release my funds. As of XX/XX/XXXX I do not have my Social Security check for XX/XX/2022 and they will not tell me what I did for them to close my account without due notice nor are they going to return my funds. 

I am desperate for help. I would appreciate any assistance you can give me. Thank you.
Consumer complaint received 2019-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (ID)

I believe I complained about XXXX, XXXX & Experian but now there is more. Short overview. I sold a house XX/XX/2018. XXXX XXXX reported it to all the credit bureaus which they deny & arent even trying to correct this & help me. Their credit reports they made about me has proof that I no longer make payments. But instead of them seeing I no longer make the automatic payments anymore they are saying I am now 3 payments delinquent on this account I no longer have. They are ruining me. All they do is lie to me & say they cant help me. I have a letter from XXXX XXXX showing a ze

ro balance. I saw a document on one of the bureaus that stated I have a zero balance with them but yet that same bureau shows I owe XXXX XXXX  over {$58000.00}.

I will enclose my letter from Idaho Housing that states I owe 0.
Consumer complaint received 2024-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the fair credit Reporting act, XXXX, XXXX, TransUnion and XXXXXXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : I also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 2023-06-08
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. (ME)

I am writing to dispute the accuracy of information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681s-2. I have identified several items on my credit report that I believe are reported inaccurately by Creditor during the covered period related to the coronavirus disease 2019 ( COVID-19 ) pandemic. 

The information in dispute is as follows : Account Name : XXXX XXXX Account Number : XXXX Date Reported : XXXX Inaccuracy : such as an incorrect Late payment status Account Name : XXXX XXXX XXXX Account XXXX Date Reported : XX/XX/XXXX Inaccuracy : such as an incorrect Late payment status I have reviewed my records and have determined that the information being reported by [ Creditor Name ] is incorrect and does not accurately reflect my current situation. As per 15 U.S.C. 1681s-2, furnishers of information are required to ensure the accuracy and integrity of the information they provide to credit reporting agencies.

I kindly request that you initiate a thorough investigation into the disputed information and take appropriate action to rectify any inaccuracies. Specifically, I request that you : Conduct a reasonable investigation into the disputed accounts and the information provided by Creditor.

Verify the accuracy of the reported information with Creditor and any other relevant sources.

Promptly correct or delete any inaccuracies found during the investigation. 
Notify me in writing of the results of the investigation and any corrections made to my credit report. 
I have enclosed copies of supporting documents that validate my position and demonstrate the inaccuracies in question. These documents include [ list the enclosed supporting documents, such as payment receipts, correspondence with the creditor, or any other relevant records ]. 

Please be aware that under the FCRA, you are required to complete the investigation within 30 days of receiving this dispute letter. I appreciate your attention to this matter and the prompt resolution of the disputed items. 

Thank you for your assistance in rectifying this issue. I look forward to receiving your response and an updated credit report reflecting the accurate information. 

Sincerely, XXXX XXXX