davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-14
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. (MI)

A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
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. (MI)

The credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, and the date last reported is not accurate. This is grounds for removal as they 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 A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

Also the credit bureaus took more than 30 days to complete my investigation. here is my certified tracking number # XXXX
Consumer complaint received 2017-07-17
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. (FL)

I sent out 3 letters & called more the one time to remove some things of my report that were inaccurate. Looking to remove them items & they goes as follows :   XXXX   XXXX   ( XX/XX/XXXX  ),   XXXX   XXXX   (  XX/XX/XXXX ),   XXXX   XXXX   (  XX/XX/XXXX  ),  XXXX  (  XX/XX/XXXX  ) &   XXXX   XXXX   (  XX/XX/XXXX  ).
Consumer complaint received 2023-05-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (IL)

I've asked CHASE for my signature Card, that I went into the bank and resigned my signature card. Please send me, the signature card on the CLOSED ACCOUNT. 

again, Please send me my updated signature Card, the one I did in WET INK at the XXXX XXXX branch. since you included them in the ultimate discussion on closing my account. 

gratitude
Consumer complaint received 2023-07-30
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. (LA)

ACCORDING TO CONSUMERS LAW I NEVER GIVEN ANY COMPANY PERMISSION OR SIGN-UP FOR ANY REPORTING TO MY CREDIT REPORT NEVER EVER!!! 

THIS IS THE LAW
Consumer complaint received 2023-02-14
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)

I was XXXX  in XXXX until XX/XX/XXXX. Someone opened accounts in my name fraudulently. I went through XXXX XXXX and XXXX to dispute these and these companies told me to report it to you also. The accounts are as follows XXXXXXXX XXXX XXXX  opened XX/XX/XXXX in the amount of XXXX XXXX ( I was in XXXX XXXX ) XXXX XXXX XXXX accounts dates opened are XX/XX/XXXX, amount XXXX XXXX XX/XX/XXXX unknown amount, XX/XX/XXXX unknown amount ( also in XXXX  for these dates ) XXXX XX/XX/XXXX {$550.00}, XXXX XXXX XX/XX/XXXX {$3500.00}. XXXX XXXX  XX/XX/XXXX {$460.00}, XXXX XX/XX/XXXX amount {$660.00} ( these are collections from dates I was in XXXX. Also two XXXX Massachusetts addresses Ive never known or lived at. I attached my XXXX background check shows my dates I was in jail and how much time I got. To show I was in XXXX. Along with my credit report.
Consumer complaint received 2021-12-20
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. (MA)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2023-02-14
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. (VA)

Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.
Consumer complaint received 2023-08-11
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Systems,Inc. (MI)

National Credit System refuses to speak to me about the alleged debt and says their attorney is the one who will be taking care of the debt. The office is not a real attorney office and National Credit Systems is a third party with no rights to collect. 

3-203. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER. 
Primary tabs ( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument. 

( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument. 

( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made. 

( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (FL)

I sent the credit bureaus letters asking them to verify the debt on my report. They have sent it back stating that everything is verified correctly. My credit report are still showing inaccuracies ' also stated to them that i never opened any of these accounts not only but also i let them know i was incarcerated at the time these accounts were opened. 15 U.S. C 16815-2 ( 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. LVNV FUNDING LLC Date Opened XX/XX/2022 Balance {$780.00}
Consumer complaint received 2023-02-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: ALLY FINANCIAL INC. (AZ)

Purchased an A/C unit & installation through a Company that uses Ally Lending. Ally has a small window to make an " on time " payment when due. My due date is XXXX of the month. If payment arrives in the month due before that date, they process it as an extra payment. charge acct. with late fee because the payment didn't arrive on the XXXXthey may take 1-3 days to process it!! they have a consecutive 4day grace... not business days & they don't account for holidays. If it gets there on the XXXX of the following month its an extra payment! plus a late fee. Its a gamble of delivery! 
I receive pension funds on the XXXX of the month ( unless it falls on a weekend/holiday paid earlier ) SS on XXXX XXXX, paycheck every two wks on XXXX Funds aren't always available to send on a date to arrive on time! I've asked to change the due date to the XXXX or the XXXX answer NO. They are taking advantage of mail delivery & inter-banking delivery time to charge Late Fees.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MN)

There is an item that Portfolio Recovery Associates is reporting to all 3 credit reporting agencies on behalf of a debt for XXXX  XXXX in the amount of XXXX dollars that is more that XXXX XXXX XXXX. I don't even know if the debt is mine, but I haven't done business with XXXX XXXX in more than XXXX  years. By law, this debt it too old to be on my credit report. They are reporting that this debt started to become delinquent in XXXX of XXXX. There is no way that this is possible. I disputed this in XXXX of XXXX and XX/XX/XXXX and they continue to lie about it. Each month they reporting that the account became delinquent that month.
Consumer complaint received 2023-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE LOOK INTO WHO DEPOSITED A " FISH AND BATE '' CHECK INTO MY ACCOUNT OF " CHASE '' IN XXXX. THAT CAUSED MY CHECKING ACCOUNT TO BE BLOCKED AND CLOSED. THANK YOU. 
P.S. I HAVE CLOSE TO {$80000.00} US DOLLARS IN MY ACCOUNT. AND " EFT '' THAT WAS NEVER CREDITED. AND A BOUNCE CHECK FOR THE AMOUNT OF {$27000.00} WITH " XXXX XXXX '' ( WHICH BELONGS TO XXXX ). AND THEY PUT A " FRAUD '' CHARGES ON MY ENTIRE CREDIT CARDS AND THEY ARE NOT WILLING TO FIX IT OVER THE PHONE EITHER. PLEASE LOOK INTO IT AS SOON AS POSSIBLE. 
THANK YOU. 
" XXXX '' AND I HAD A " EFT '' DONE TO MY XXXX FOR THE AMOUNT OF {$5000.00} BY XXXX XXXX  AND IT DISAPEAREARED. 
THANK YOU.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I am writing to file a formal complaint regarding inaccurate information listed on my credit report, which has led to significant harm to my credit score and financial standing. Pursuant to the provisions outlined in 15 USC 1681 b 2, 15 U.S. Code 6802, and 18 USC 8, I am seeking redress under the Fair Credit Reporting Act ( FCRA ), specifically codified in 15 U.S.C. 1681 et seq.

The inaccurate information on my credit report pertains to closed accounts previously removed from credit reports, Incorrect credit score, and added collection from unknown collector whom I do not owe. Despite my attempts to rectify these errors through this credit reporting agency, the erroneous information persists, adversely affecting my ability to access credit and financial services. 

As per the FCRA, consumers like me have the right to accurate and up-to-date credit reporting, and any inaccuracies must be promptly investigated and corrected by the credit reporting agencies. However, despite my efforts to dispute these inaccuracies, this reporting agency have failed to comply with their obligations under the law, thereby causing ongoing harm to my financial well-being. 

Furthermore, the persistence of these inaccuracies violates my rights under 15 U.S. Code 6802, which stipulates obligations with respect to disclosures of personal information, and 18 U.S. Code 8, defining the obligations or other securities of the United State.

In light of the foregoing, I am requesting that the Consumer Financial Protection Bureau launch an immediate investigation into the matter and take appropriate action against the credit reporting agency responsible for these inaccuracies. I also request that all erroneous information be promptly removed from my credit report and that I be provided with a corrected copy of my credit report at no cost. 

PLEASE REMOVE THE FOLLOWING ITEM IMMEDIATELY UNKNOWN COLLECTION. 
{$240.00} Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address this issue and ensure that consumers like me are protected from the adverse effects of inaccurate credit reporting. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (DE)

On XX/XX/23 I deposited a {$200.00} check via my banks mobile app. I have deposited the same check for a few years now on the same account, around XXXX times total. Usually chime releases at least {$200.00} of the check within the business day. However, I am being told they just hold the funds for XXXX business days without reason. Here is the BANKS RESPONSE : Hi XXXX, Thanks for reaching out to Chime Member Services regarding hold on your Mobile Check Deposit. I appreciate you bringing this matter to our attention. I understand that this has been inconvenient for you and I appreciate your patience in this matter. I'm here to assist you. 

Looking at your account, we received your {$200.00} check from XXXX but it has a hold of 5 business days. 

I understand as you said you are depositing the same amount check in your account which was deposited previously. We want to make sure your check doesnt bounce and you don't face any kind of issue. 

Your money will appear in your account by end of day XXXX 5 days after deposit. 

If your check bounces, well send you a notification. 

We use a number of risk-based factors to determine which checks require holds, and this means some checks might have a hold while others do not. 

I hope this info helps! Your satisfaction is our motive. If you have any further questions or need additional information, please don't hesitate to reach out. I'm here to assist. 

Thank you for choosing Chime. 

Best regards, XXXX | Chime Member Services MY RESPONSE : Hello, I have consistently deposited the same check, as you have noted. Based on my account history, there are no red flags, no reasonable cause to believe the funds are uncollectible from the paying bank, no emergency conditions, no check redeposit, the total amount is less than {$5500.00}, and this is not a new account. 

According to ECRF.gov ( Refer to 12 CFR 229 " Availability of Funds and Collection of Checks ( Regulation CC ). '' ) Chime should release up to {$220.00} of this check on the next business day after deposited. 

Thanks for your time, XXXX XXXX I have never had an issue with Chime until now when I deposited this check. I believe they are holding these funds without proper justification.
Consumer complaint received 2023-02-13
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: BOEING EMPLOYEES CREDIT UNION (GA)

After reviewing my XXXX, XXXX, and XXXX credit reports ( XXXX XXXX, XXXX XXXX, XXXX XXXX ) I have found inaccuracies. I am a victim of identity theft, so I have taken the steps of resolving this issue by filing a complaint with the listed creditors and Federal Trade Commission. 

Boeing Employees Credit Union Acct # XXXX Opened XX/XX/XXXX Amount {$19000.00} XXXX XXXX XXXX XXXX XXXXXXXX Acct XXXX XXXX Opened XX/XX/XXXX {$1000.00} XXXX XXXX XXXX  Acct XXXX XXXX Opened XX/XX/XXXX Amount {$1600.00} XXXX XXXX Acct XXXX XXXX XXXX XX/XX/XXXX Amount {$2500.00XXXX XXXX XXXX  Acct # XXXX Opened XX/XX/XXXX Amount {$3000.00}
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168 XXXX XXXX XXXXXXXX # XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX 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 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 2023-02-13
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. (MI)

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 XXXX, & STATE OF MI OFFICE 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 2023-07-06
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. (LA)

I am a victim of identity theft since 2019. My credit was frozen for two years. 15 U.S. Code 1681b - Permissible purposes of consumer reports. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. I am trying to buy a house and it's defamation to my character and livelihood.
Consumer complaint received 2016-11-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NJ)

This complaint is concerning missing information on my Equifax credit report. I have called numerous times to let Equifax know that they had removed XXXX of my positive credit card accounts. XXXX XXXX, XXXX, XXXX XXXX Bank and my XXXX XXXX Bank Account. My score has plummetted because of this. I have attached a previous credit report from Equifax that shows the accounts were previously on the credit report
Consumer complaint received 2021-12-20
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

On XX/XX/2021 I sent a letter regarding inaccurate and unexplained information on my credit report. It is now going on 2 months since I sent this notice and I still haven't gotten a response from the agency. It seems my disputes are being disregarded so I am coming to you for assistance in this matter. In section 611 ( a ) it states that failure to investigate the dispute within 30 days gives cause to immediately remove the disputed items from my credit report. It is well past the allotted time period for them to respond so I am demanding that the erroneous accounts be deleted. In lieu of them being deleted immediately, I will be forced to seek litigation for the extreme inconveniences and stress caused by this situation.
Consumer complaint received 2024-04-29
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: Experian Information Solutions Inc. (AL)

I submitted at least XXXX different disputes to experon credit reporting tried to up load documents and could not do so. Will not let you upload a picture of the documents. Tried to contact thru email no way to do so for hard of hearing people. They have no contact other than calling. Also after fileing credit dispute my credit score dropped XXXX something points. I was punished for fileing a dispute by that. No way my credit report should have dropped that much. Credit reporting agencies should not be allowed to drop your credit score for fileing a dispute.