davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60dayXXXX. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately 1. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2019-11-25
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. (IL)

I just recently checked my credit on XX/XX/XXXX and I noticed some unauthorized accounts on there. I believe someone has gotten a hold to my information and has been using it for some time now. There is an account with XXXX # XXXX opened XXXX XXXX for {$440.00} ; An account with XXXX College # XXXX opened XXXX XXXX for {$670.00} ; XXXX XXXX # XXXX opened XXXX XXXX for {$160.00} ; XXXX/XXXX  # XXXX opened XXXX XXXX ; There are 7 accounts with XXXX  XXXX which looks like its a collection agency for XXXX or XXXX XXXX XXXX Hospital # XXXX for various amounts {$1900.00}. {$710.00}. {$670.00}. {$460.00}. {$460.00}. {$160.00}. & {$34.00} ; There are also numerous inquiries that were made without my permission XXXX XXXX XXXX on XX/XX/XXXX ; XXXX  XXXX on XX/XX/XXXX & XX/XX/XXXX ; XXXX XXXX  on XX/XX/XXXX ; XXXX  XXXX  on XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX ; XXXX on XX/XX/XXXX & XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX ; XXXX XXXX  on XX/XX/XXXX ; XXXX  XXXX XXXX  XXXX on XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX. I in no way gave anyone person to use any of my information to open up or inquire about these accounts that are on my credit report
Consumer complaint received 2022-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

I was not satisfied with the result I got from my Experian report. There are so many errors and incorrect information reported which I had previously included in my written letters. I requested for this incorrect information to be removed but no action has been done. Considering that they neither reached out to me nor submitted any kind of proof to justify their result. This time, I am asking for you to help me to have this incorrect information removed or have anyone from Experian contact me about the status of my concern. Here is the incorrect information that I am trying to dispute : XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Updated : XX/XX/2022
Consumer complaint received 2019-11-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services (NY)

Hi .... 

I took a loan out with XXXX in XXXX for {$33000.00} for student graduate loans. I paid every month without miss for over 10 years. I have copies and proof of every payment made totalling just over {$29000.00}. However, ACS bought the loan in XXXX and somehow my balance went back to {$30000.00} owed on the loan? When questioning ACS, they sold the loan to XXXX. While working with XXXX, my loan was sold again to XXXX XXXX XXXX. Long story short, im being told the balance is now {$41000.00} and are threatening wage garnishment. Can someone please help? Im 100 % willing to payoff the true remaining balance, but i refuse to pay another {$40000.00} on a loan that ive already paid {$29000.00} on? It does not make sense to me and non of these loan companies are willing to help me or work with me?
Consumer complaint received 2022-05-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

My name is XXXX and I believe I have been part of a scam from an old acquaintance of mine named XXXX XXXX from XXXX. 
The situation is that I was foolish enough to trust this person to invest in bitcoin for me. XXXX put me in contact with her coach XXXX XXXX ( not sure if the name is accurate ). 
I have used XXXX and XXXX as my transactions and the accounts and numbers are as listed below : XXXX XXXX ( {$6000.00} ) XXXX XXXX ( {$2000.00} ) XXXX XXXX ( {$1000.00} ) XXXX XXXX ( {$1000.00} ) XXXX XXXX XXXX ( {$2000.00} ) Please look below for receipts with discussions and payments. My XXXX has been hacked and I no longer have access to any of this. Please report this fraud so we can make sure no one else can be victim of this fraud.
Consumer complaint received 2024-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NE)

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 :
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 2019-11-25
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. (IL)

I just recently checked my credit on XX/XX/XXXX and I noticed some unauthorized accounts on there. I believe someone has gotten a hold to my information and has been using it for some time now. There is an account with XXXX # XXXX opened XXXX XXXX for {$440.00} ; An account with XXXX College # XXXX opened XXXX XXXX for {$670.00} ; XXXX XXXX # XXXX opened XXXX XXXX for {$160.00} ; XXXX/XXXX  # XXXX opened XXXX XXXX ; There are 7 accounts with XXXX  XXXX which looks like its a collection agency for XXXX  or XXXX XXXX XXXX Hospital # XXXX for various amounts {$1900.00}. {$710.00}. {$670.00}. {$460.00}. {$460.00}. {$160.00}. & {$34.00} ; There are also numerous inquiries that were made without my permission XXXX XXXX XXXX  on XX/XX/XXXX ; XXXX  XXXX on XX/XX/XXXX & XX/XX/XXXX ; XXXX XXXX  on XX/XX/XXXX ; XXXX  XXXX  on XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX ; XXXX  on XX/XX/XXXX & XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX ; XXXX XXXX  on XX/XX/XXXX ; XXXX  XXXX XXXX  XXXX  on XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX. I in no way gave anyone person to use any of my information to open up or inquire about these accounts that are on my credit report
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I thoroughly reviewed my credit reports, I spotted some inaccurate information that needs reporting and correction through your company. The Bureau clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681
Consumer complaint received 2023-05-01
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. (TN)

In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-07-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Continental Finance Company, LLC (FL)

about couple of months ago i received a call from about a credit card that i had i think was charge off and was sent to another company and it was reopened with balance of {$1900.00} the guy ask me did i have knowledge of it i said a little bit.the guy said they sent me letters pretaning to this but i do n't recall he said to keep a judgement from going against me or garnishing my wages he would take the balance down to {$1200.00} i was nervious so i agreed to make payment but what i quote him at first was to high for me i could n't afford it.so we agreed on {$50.00} bi - weekly .i Sign the document by computer and i also had to give them my account # to the back for debiting.I can send you a copy of the contract.when i look the company up by name i think just and address and phone # came up.please let me know if i did the right thing or if anything can be done at this point please help if you can
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I am writing to express my deep frustration and dissatisfaction with the ongoing difficulties I have experienced while attempting to remove fraudulent items from my credit report. Despite multiple attempts to address this issue, I have not been able to successfully rectify the situation, and it is having a significant impact on my financial well-being and personal security. 

Here is a summary of my unsuccessful attempts and the fraudulent items in question : I became aware of unauthorized and fraudulent entries on my credit report, which includes inaccurate account information, and charge off accounts. 
Upon discovering these fraudulent items, I promptly initiated a dispute with your organization by following the dispute resolution process provided on your website. I submitted all the required documentation to support my claims and requested the removal of these items from my credit report. 

To my dismay, my initial dispute was not resolved in my favor, and the fraudulent items remain on my credit report. I have since made several follow-up attempts to dispute and rectify this situation by providing additional evidence, contacting your customer support, and seeking assistance from the relevant authorities. 

Regrettably, I have not received any meaningful resolution or assistance from your organization, despite my continuous efforts to correct this situation. This prolonged inaction is causing me significant financial and emotional distress. 

The presence of these fraudulent items on my credit report is damaging my financial reputation and hindering my ability to secure loans, credit, and housing. I have taken all necessary steps to report the fraudulent activities and provide evidence, yet these items persist in my credit file. 

I demand that you take immediate action to remove these fraudulent items from my credit report, conduct a thorough investigation into their origin, and update my credit history accordingly. I also request that you provide written confirmation once the fraudulent items have been successfully removed from my file. 

Failure to address this matter promptly not only jeopardizes my financial stability but also undermines the trust I have in your organization 's ability to manage and protect my sensitive financial information. I am asking for your immediate assistance to remove the fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX  XXXX XXXX Balance Owed : XXXX ; XXXX  XXXX XXXX Balance Owed : {$4400.00}.
Consumer complaint received 2022-05-26
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: Experian Information Solutions Inc. (NY)

Someone opened up a fraudulent account under my name. I did not authorize this account nor was I aware it existed until it was sent to collections. I filed a police report and sent it to XXXX at their request. I've made XXXX amd the credit bureaus aware and it is still not fixed. This account should not be on my credit as it is not mine and is fraud.
Consumer complaint received 2022-05-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (FL)

i rec 'd a letter dated XX/XX/XXXX you state you finally canceled excessive lender placed insurance effective XX/XX/XXXX and you sent a refund to my account. 
1. you fail to identify the date the insurance was placed 2. you fail to identify the amount you charged for insurance 3 you fail to identify the reason you canceled the lender placed insurance 4 you fail to identify the date and the amount you credited to the account 5 you failed to supply copies of the insurance policy
Consumer complaint received 2022-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

n accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX  XXXX # XXXX, XXXX  XXXX # XXXX, XXXX. XXXX, XXXX # XXXX XXXX XXXX  XXXX  # XXXX, XXXX XXXX  XXXX  # XXXX and XXXX  ACCOUNT # 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2024-03-12
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.
Consumer complaint received 2022-05-26
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. (SC)

n accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX XXXX  XXXX # XXXX, XXXX  XXXX  # XXXX, XXXX. XXXX, XXXX # XXXX XXXX  XXXX XXXX  # XXXX, XXXX XXXX  XXXX  # XXXX and XXXX  ACCOUNT # 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2022-05-26
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. (SC)

n accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX & XXXX # XXXX, XXXX  XXXX  # XXXX, XXXX. XXXX, XXXX # XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX  XXXX  # XXXX and XXXX  ACCOUNT # 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2022-05-05
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: Experian Information Solutions Inc. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2019-11-25
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: GOLDMAN SACHS BANK USA (TX)

I have a Savings account with Marcus by Goldman Sachs. In XXXX, I signed up for a promotional offer in my Marcus Savings account for 1 % bonus of savings account. Per this offer, I can get up to {$500.00} bonus if I transfer {$50000.00} new money into my Marcus savings account. When I signed up for this promotional offer, I did transfer {$50000.00} new money into my Marcus savings account from XXXX Bank. In my online account, it showed that I was qualified for this 1 % bonus offer. I have kept this {$50000.00} new money in my Marcus savings account through now, and the {$500.00} bonus should have been posted to my account no later than XX/XX/XXXX based on the promotional offer status link in my Marcus online account. However, it has passed XX/XX/XXXX. But I still have NOT received the {$500.00} bonus yet. 

I request Goldman Sachs to post the {$500.00} bonus credit to my Marcus Savings account per the promotional savings account offer immediately, without any further delay.
Consumer complaint received 2022-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I went to the car dealership to purchase a vehicle. I was informed that my credit would only be pulled by I creditor. However there are XXXX inquires. 

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

On Equifax 's credit report, there is one account from XXXX  XXXX XXXX that does not belong to me. That account did not appear on my other credit reports. 

I filed two disputes to Equifax to have an account removed from my report ; however, Equifax did not fix that for me.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OH)

I contacted XXXX by phone to inform them of errors in my credit report concerning the reporting of a bankruptcy that has been inaccurately documented. Upon my own investigation, it has been brought to my attention that the bankruptcy details on my credit report are incorrect, as bankruptcy courts do not typically supply this information to credit bureaus. Despite my previous request for accurate validation of all details, your company responded by asserting that all information had been verified. In light of this, I am requesting disclosure of the contact information used to confirm this inaccurate bankruptcy reporting. 

I know that they did not verify this inaccurate information because the XXXX XXXX XXXX XXXX do not respond, report or contact any credit agencies to dislose information in regrads to bankruptcy
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX