davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the fair credit reporting act XXXX account # XXXX, XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX  account # XXXX. Violated my rights 15 USC 1681 section 602A.states I have a right to privacy. 15 USC 1681 section 604A section 2it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the fair credit reporting act XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX. Violated my rights 15 USC 1681 section 602A.states I have a right to privacy. 15 USC 1681 section 604A section 2it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-02-21
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. (DE)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

As the uploaded image shows, I keep receiving letters from Equifax Consumer Services LLC addressed to multiple names which are not mine. To the best of my knowledge, I have had only one name since the day my parents named me at birth, it is XXXX XXXX XXXX XXXX. This is the name on my Driver License, passport, social security card, and other government identification documents. 

I have been returning these letters without opening them and have stated that I view them as a form of harassment. If those representing Equifax Consumer Services LLC intend to send me any communications they ought to use my name. 

I will restate, I view these letters sent by those representing Equifax Consumer Services LLC as a form of harassment and request that they stop sending such letters to my residence. 

Thank you.
Consumer complaint received 2024-04-10
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: JPMORGAN CHASE & CO. (NJ)

CONVERTED MY CHECKING ACCOUNT BALANCE 65K INTO CD AT APROX 4.5 % INTEREST ON XX/XX/2023 AND CHANGED MY MAILING ADDRESS TO MY HOME ADDRESS WITH MANAGER OF CHASE BANK XXXX XXXX NJ XXXX ( ( XXXX XXXX ) WHICH WAS NOT DONE. 
THIS XXXX FORGOT NOT ONLY TO IGNORED TO CHANGE MY MAILING ADDRESS BUT ALSO FORGOT TO HAVE AN IMPORTANT FORM SIGNED, AS A RESULT MY ACCOUNT WAS CLOSED AND XXXX CHECK MAILED TO WRONG MAILING ADDRSS IN NY INSTEAD OF MY HOME ADDRESS. 
I HAVE BEEN TRYING TO HAVE A REPLACEMENT CHECK SENT TO ME SINCE XX/XX/XXXX AND HAVE NOT RECEIVED IT YET. 
AND I HAVE LOST THE INTEREST AS WELL. I HAVE MADE SEVERAL CALLS TO CHASE BRANCH WHO HAS REFUSED TO HELP AND ADVISED ME TO CALL CHASE HQ, WHO PROMISED TO ADDRESS THE ISSUE AND RE-ISSUE MY CHECK TO NO AVAIL YET. IT HAS BEEN AN ABSOLUTE NIGHTMARE TO DEAL WITH CHASE BANK.PLEASE HELP ME...
Consumer complaint received 2022-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX Account 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 2022-12-19
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. (AR)

I just received my reinvestigation back from EQUIFAX and XXXX. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). 
Because the account listed below is not being reported accurate. The open date, date last active, the date of the last payment and the status is NOT 100 % accurate. 
XXXX XXXX XXXX XXXX XX/XX/2016 They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ).
Consumer complaint received 2023-10-17
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-08-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

HSBC : Account manipulation. 

They're running a promotion for {$750.00} " Welcome Deposit ''. To receive it the customer must make " Direct Deposits totaling at least {$5000.00} into your checking account for 3 consecutive calendar months from the second full calendar month after account opening. '' I applied to open the account on XX/XX/2019. They sat on their hands contriving excuses to delay the opening for two weeks until it was XX/XX/2019 so I wouldn't be eligible to start fufiling the requirements until XX/XX/2019. In the interim, I would've had to have kept a minimum {$75000.00} balance at all times to dodge the $ XXXX/mo maintenance fee. 

Completely deceptive, manipulative ripoff.
Consumer complaint received 2022-05-31
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. (NY)

I called Experian after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Accounts : XXXX CARD XXXX, XXXX CARD XXXX, XXXX XXXX XXXX XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : XXXX and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

A copy of my Bank statement drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Experian not blocking these accounts is inadvertently resulting in me being extorted.
Consumer complaint received 2022-05-31
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)

I called Equifax after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Accounts : XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX* on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

A copy of my Bank statement drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Equifax not blocking these accounts is inadvertently resulting in me being extorted.
Consumer complaint received 2022-12-19
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. (NC)

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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 an account without my written instructions.
Consumer complaint received 2020-09-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (VA)

My wife and I recently purchased a new XXXX XXXX in XXXX. On XX/XX/XXXX ( our first payment to Honda Financial Services ), my wife attempted to set us up for automatic payment and make the first payment. The system acknowledged it received the payment. Later  that day, the payment was reversed with no notice to us. On XX/XX/XXXX, a late payment fee notice was sent. My wife, on XX/XX/XXXX, called HFS to find out what happened. AHF waived the late payment fee because of the system error and took payment for a second time. Later that day, the payment was reversed again, with no notice to us. We saw the payment had not been withdrawn, and my wife attempted another physical call with HFS on XX/XX/XXXX. The payment was made, later that day, reversed. On XXXX, I was notified of a 30 day late on my credit report. XXXX called HFS on XXXX made a payment of {$1400.00} ( missed payment and current payment ). It went through this time due  to one of the HFS associates recognizing what happened and corrected it. XX/XX/XXXX next payment is processed and approved. The account is current. There were substantial bank account funds to cover the payment at every attempt that did not process for XXXX. 

I called HFS to discuss removing the 30 days late from the credit report. They refused to release the derogatory information from the credit report. When I asked for the information they based that decision on, they would not provide anything. And further would not allow me to speak with a supervisor.
Consumer complaint received 2022-10-13
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. (CA)

In accordance With Fair Credit Reporting Act. 15 USC 1681i ( A ) ( 1 ) ( A ), Can you Reinvestigate the completeness and accuracy of the list of Accounts Below. 

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 2022-05-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc ()

Paypal took my money after 6 months, Paypal said they will release my money after 6 months that's why I waited. They don't even said the specific violation I did. I just did a typewritting jobs
Consumer complaint received 2022-05-31
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)

The Credit Bureaus never did a proper Investigation according to the FCRA, from my Certified Letter Request in XXXX and XXXX, XXXX. ( 1 ) They ignored my request for a Re-Investigation, ( 2 ) they failed to provide their Method of Verification ( including the real name, address and phone number of the furnisher ) after I requested it, ( 3 ) they are willfully and recklessly reporting false, inaccurate information after being notified of the reporting error and failing to investigate or correct the error ( 15 USC 1681 s-2, Responsibilities as a Furnisher of Information ), and ( 4 ) they have failed to notate my account or furnish the Required Disclosure, within the period of time required by law, that an item on my credit report is under dispute, i.e. Notice of Dispute after a creditor or debt collector has reported the dispute ( FCRA Section 623 ( a ) ( 3 ). 

Also, they have violated my rights as a consumer even more. In accordance with the Fair Credit Reporting Act, Everything has to be 100 % accurate on my Consumer ( credit ) Report. 

The Credit Bureaus stated that my accounts were property Investigated, but how is this possible when the information ( including account data ) contained in each of the three major Credit Bureaus is not the same ; the date opened is Inaccurate, the date of last activity is inaccurate, the account status is inaccurate, the date last reported is not accurate, the balances and credit limits are inaccurate. This is a violation and is grounds for immediate removal.

They also violated the Law because according to 15 U.S.Code 1681 section 602 ( A ), it states that I have the Right to Privacy. And 15 U.S.C. 1681 Section 604 ( A ) Section 2 : It also stated that a Consumer Reporting Agency can not furnish an account without my written instructions. I did not give anyone written instructions. 

These Accounts are Inaccurate, Incomplete, Unverifiable, Unfair, Erroneous Creditor Account Name * Account Number * Error / Inaccuracy or Violation XXXX  XXXX XXXX Notice of Dispute Violation XXXX XXXX Notice of dispute Violation XXXX XXXX  XXXX XXXX Notice of Dispute Violation XXXX  XXXX  XXXX Inaccurate Open Date XXXX  XXXX  XXXX Inaccurate Date of Last Activity XXXX XXXX XXXX XXXX Date of Last Activity XXXX XXXX XXXX Credit Card XXXX Notice of Dispute Violation XXXX XXXX XXXX  XXXX. XXXX Notice of Dispute Violation XXXX XXXX XXXX High Balance is Inaccurate XXXX XXXX XXXX XXXX XXXXXXXX High Balance is Inaccurate XXXX XXXX  XXXX XXXX XXXX Notice XXXX XXXX XXXX XXXX XXXX XXXX Notice of Dispute Violation XXXX XXXX XXXX XXXX Inaccurate Date of Last Activity XXXX XXXX XXXX XXXX Inaccurate Date of Last Activity XXXX XXXX XXXX  XXXX Notice of Dispute Violation XXXX XXXX XXXX XXXXXXXX Notice of Dispute Violation
Consumer complaint received 2019-08-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: IMPAC MORTGAGE HOLDINGS, INC. (CA)

My loan was transferred from Cashcall/XXXX to XXXX XXXX XXXX, however the loan amount transferred was incorrect. I have reached out to both companies but have not received a corrective action. 

The transfer occurred on XX/XX/19 the correct amount of the transfer is {$180000.00}, however XXXX XXXX  XXXX is showing a transfer amount of {$180000.00}. 

Both companies are blaming the other and pointing fingers and I'm caught in the middle, I'm seeking your assistance in resolving this matter.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Experian Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian has failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove this inquiry reported only in my Experian credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The Credit Bureaus never did a proper Investigation according to the FCRA, from my Certified Letter Request in XXXX and XXXX, XXXX. ( 1 ) They ignored my request for a Re-Investigation, ( 2 ) they failed to provide their Method of Verification ( including the real name, address and phone number of the furnisher ) after I requested it, ( 3 ) they are willfully and recklessly reporting false, inaccurate information after being notified of the reporting error and failing to investigate or correct the error ( 15 USC 1681 s-2, Responsibilities as a Furnisher of Information ), and ( 4 ) they have failed to notate my account or furnish the Required Disclosure, within the period of time required by law, that an item on my credit report is under dispute, i.e. Notice of Dispute after a creditor or debt collector has reported the dispute ( FCRA Section 623 ( a ) ( 3 ). 

Also, they have violated my rights as a consumer even more. In accordance with the Fair Credit Reporting Act, Everything has to be 100 % accurate on my Consumer ( credit ) Report. 

The Credit Bureaus stated that my accounts were property Investigated, but how is this possible when the information ( including account data ) contained in each of the three major Credit Bureaus is not the same ; the date opened is Inaccurate, the date of last activity is inaccurate, the account status is inaccurate, the date last reported is not accurate, the balances and credit limits are inaccurate. This is a violation and is grounds for immediate removal. 

They also violated the Law because according to 15 U.S.Code 1681 section 602 ( A ), it states that I have the Right to Privacy. And 15 U.S.C. 1681 Section 604 ( A ) Section 2 : It also stated that a Consumer Reporting Agency can not furnish an account without my written instructions. I did not give anyone written instructions. 

These Accounts are Inaccurate, Incomplete, Unverifiable, Unfair, Erroneous Creditor Account Name * Account Number * Error / Inaccuracy or Violation XXXX  XXXX XXXX Notice of Dispute Violation XXXX XXXX Notice of dispute Violation XXXX XXXX  XXXX XXXX Notice of Dispute Violation XXXX  XXXX  XXXX Inaccurate Open Date XXXX  XXXX  XXXX Inaccurate Date of Last Activity XXXX XXXX XXXX XXXX Date of Last Activity XXXX XXXX XXXX Credit Card XXXX Notice of Dispute Violation XXXX XXXX XXXX XXXX. XXXX Notice of Dispute Violation XXXX XXXX XXXX High Balance is Inaccurate XXXX XXXX XXXX XXXX XXXXXXXX High Balance is Inaccurate XXXX XXXX  XXXX XXXX XXXX Notice of XXXX XXXX XXXX XXXX XXXX Notice of Dispute Violation XXXX XXXX XXXX XXXX Inaccurate Date of Last Activity XXXX XXXX XXXX XXXX Inaccurate Date of Last Activity XXXX XXXX XXXX  XXXX Notice of Dispute Violation XXXXXXXX XXXX XXXX  XXXX Notice of Dispute Violation