davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-12
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. (NJ)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

i mailed out my mortgage payment check early XXXX and saw it was cashed on XX/XX/2022 but didn't realize it was made to my lender until they called me and said i'm overdue. I checked the image of the check on my app and saw that whomever stole it altered the check to show the payee as XXXX XXXX and not my lender, XXXX XXXXXXXX XXXX and they erased the memo where i enter my account number. This is the same check i made every month and all my carbon copies show the same amount, same hand writing and all the same details everything. I filled a claim with my bank, XXXX on XX/XX/2022, where they opened up a claim with XXXX XXXX. XXXX XXXX has yet to respond to XXXX regarding my claim. Every month that i call i get a run around on what i can do and what i can't do in regards to the claim. I was told it would take 60-90 days now 120 days and if XXXX XXXX doesn't respond to the claim that then chase will have to close it out and i will never get my money back which is devastating. I need some resolution as i am an older lady, my body is giving out and i can't work as a nurse like i used to. I feel as though my bank that i've been with for over 10 years does not have my back and will just brush their hands clean like this nothing happened. Both chase and XXXX XXXX  are at fault with being able to cash an altered check. I am unable to get any credit from my bank and they do not understand this is my mortgage payment. I love my home that i work morning and night for and i am exhausted trying to get my money back.
Consumer complaint received 2021-11-12
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: Colony Brands, Inc. (CT)

I received a notification on my credit score that I had missed a payment of {$27.00} to some company and it dropped my credit score dramatically. I found the company and made payment ( it was {$27.00} ). After making payment I looked in to what it was. Turns out I never ordered or received what they said. I never opened this account. After the incident I filed a police report and put a lock on my credit score. I would like this removed because it shows on my credit as 4 missed payments. This is not right. This is affecting my ability to get a mortgage. I would like the 4 missed payments removed. I just want this removed.
Consumer complaint received 2022-05-18
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. (FL)

Im complaining on XXXX XXXX and transunion after they have told me to get a approved police repoRt that my identity has been stolen which took the detective 10 months to finall Approve my identity was stolen by an ex roommate and boyfriend of mines years ago they will not accept my documents i have been doing this for months and the detective did a thorough investigation for 10 months before he approved the police report i need XXXX XXXX  credit card to get this off my credit report asap the email address they have on file is incorrect to mines telephone number and bank account that the payments were made from didnt match my bank account at all..the address they have on file is not affiliated with me..they even have a password on the account that i can not identify which i have the recording of several agents i spoke too.i even advised all three credit bureaus that i can not speak to XXXX XXXX because i can not identify the correct information on the account and they still refused my police report and also XXXX XXXX  credit card refused to send me a fraud affidavit packet to have the detective fill out as approved investigationjust because a company can verify first and last name and date of birth and social doesnt mean that they acknowledge the account or have any affliction with it..i have a fraud alert on my profile for over 5 years
Consumer complaint received 2023-10-02
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-16
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: Gurstel Law Firm, P.C. (MN)

Gurstel Law Firm, with an office in XXXX XXXX, XXXX, has threatened to take me to court over a debt that is now beyond ten years from the original filing. 
I sent a letter clearly and precisely stating Minnesota State Statutes regarding debt collection limitations, but they ignored that. Theyve now claimed theyll take this back to court. 
Im XXXX, due to a major bike wreck. Im living on a limited income. I also deal with XXXX. 
I explained this in my next correspondence, which included a letter of Cease and Desist, which I sent thru the mail with signature confirmation. 

They once again sent a new letter demanding I answer questions for a law suit they claim will go forward. 

They violated the rules set by the State. 

I dont need more stress.
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)

It has come to my attention that my credit with your organization has been compromised. I have discovered that items are not being removed from my credit report, even when accompanied by a Federal Trade Commission ( FTC ) report. This communication serves as formal notification that I have been a victim of fraudulent activity. According to the Fair Credit Reporting Act Section 605B ( a ), your organization is obligated to remove any items opened without my authorization, consent, or knowledge within four business days, provided I submit ( 1 ) valid proof of my identity ; ( 2 ) an identity theft report ; ( 3 ) identification of the disputed information ; and ( 4 ) a statement asserting that the information is not related to any transactions I have made. The items listed below are fraudulent and must be removed : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance : {$0.00} XXXX  Date Opened : XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$4700.00} Bankruptcy XXXX XXXXXXXXdischarged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX =======EQUIFAX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$24000.00XXXX XXXX XXXXXXXX XXXX XXXX Opened : XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXXXXXX Date XXXX XXXX XX/XX/XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1800.00}. Should you assert that these items are accurate and verifiable, I request that you provide me with documentation bearing my signature associated with these items, as I believe such documentation does not exist. In the absence of a signed agreement from me, these items must be removed from my credit file. Enclosed with this communication is my latest FTC report, number XXXX. It has come to my notice that there might be a pattern of non-compliance with the FCRA statute in your handling of such matters. Ignoring this request may compel me to seek legal advice and action. I urge you to avoid escalating this matter into a legal dispute and to act within four business days to remove any fraudulent items from my credit file. I do not authorize the use of XXXX or any automated verification methods in this matter. Your prompt attention and response within the specified timeframe are anticipated and appreciated.
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. (TX)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhas 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 crime 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. All have attempted to collect money from me illegally and isn't even licensed to do so in my State.
Consumer complaint received 2022-12-16
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. (TN)

In accordance with the Fair Credit Reporting act the following credit reporting agencies, 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 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 They are reporting late payments on the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I currently have three fruad accounts and inquiries on my credit report. 


1. XXXX XXXX {$760.00} 2. XXXXXXXX XXXX {$210.00} 3. XXXX XXXX XXXX XXXX {$750.00}
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IN)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-11-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/XXXX I was the victim of a scam. I was called by a person using the Chase phone number identifying themselves as a Chase representative. They took {$5000.00} from me using XXXX. Chase has refused to identify the person who took my money but its in the Service Agreement that all disputes need to be resolved by the parties in the transaction. Chase has refused to identify the person who received the money. I have tried everything for months, contacting Chase, XXXX, even going through the Washington State Attorney General. I found out from a lawyer yesterday that I have no protection under the EFTA and Regulation XXXX because my account is a business account. Is this true? I am a XXXX XXXX XXXX XXXX, no employees and no one else on my account. Is it true that Chase can attach a product like XXXX to my business account without any of the protections that personal banking customers get? On top of having money stolen from me I feel like I have been set up to fail.
Consumer complaint received 2022-05-18
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. (TX)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MS)

On or around XXXX XXXX XXXX XXXX XXXX reported my account to the credit bureaus without my permission. 

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. This is against the law. XXXX XXXX XXXX did not have my permission to disclose any of my personal information without my written instructions. 

15 USC 1681 section 602A states I have the right to privacy.

15 USC 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
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. (NJ)

In submitting this follow-up complaint, I wish to highlight my ongoing issue as a victim of identity theft, as previously reported under reference number XXXX. In accordance with the Fair Credit Reporting Act ( FCRA ) Section 605B, Credit Reporting Agencies are mandated to expunge any items detailed in an identity theft report. Enclosed are documents aimed at facilitating the removal of erroneous and fraudulently posted items from my report. Below is a catalogue of items opened without my authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per FCRA Section 605B ( a ), Credit Reporting Agencies are obliged to delete any items from a consumer 's file that the consumer identifies as resulting from alleged identity theft, within four business days following receipt of such a claim.
Consumer complaint received 2022-12-16
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX XX/XX/year> Subject : Dispute of Inaccurate Information in My Credit Report. 

Whom it may concern, I am writing to dispute the accuracy of certain information in my credit report. The details are as follows : 1. Account Name : XXXX XXXX XXXX XXXX FINANCAL Account Number : XXXX Issue : Inaccuracies, Late payments I request that you conduct a thorough investigation and correct any inaccuracies promptly. Please provide me with the results of your investigation within the legally mandated time frame. If proof can't be provided, I demand it be DELETED IMMEDIALTY. Thanks! Please see screenshots attached : Enclosed, please find copies of relevant documents supporting my claim. I appreciate your attention to this matter and your commitment to ensuring accurate credit reporting. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-01
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX : {$270.00}, XXXX XXXX XXXX XXXX : {$9600.00}