davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX, NC, XXXX XXXX ( XXXX ) XXXX XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Attention : Consumer Affairs Department Dear Equifax, I am writing to express my deep frustration and outrage regarding your flagrant disregard for my rights under the Fair Credit Reporting Act ( FCRA ). It has come to my attention that despite my explicit request to freeze my consumer report and submission of all required documentation, your company has failed to comply with the law and has instead demanded redundant documentation. 

Let me be unequivocally clear : I have the legal right under the FCRA to freeze my consumer report, and I have already provided all necessary documentation to exercise this right. Your insistence on requesting the same documentation that I have already submitted is not only redundant but also utterly ridiculous. 

Your unwillingness to follow the law now poses a direct threat to my creditworthiness and financial well-being. By failing to promptly freeze my consumer report as requested, you are jeopardizing my ability to protect myself from identity theft and unauthorized access to my credit information. 

I demand immediate and unconditional compliance with my request to freeze my consumer report, as mandated by the FCRA. Any further delay or refusal to comply will not be tolerated and will result in severe consequences for Equifax. 

I am directing Equifax to immediately freeze my consumer report and provide written confirmation of this action without any further delay. Additionally, I expect a formal apology for the inconvenience and distress caused by your company 's failure to adhere to the law. 

Furthermore, I will not hesitate to take appropriate legal action against Equifax to enforce my rights under the FCRA and seek remedies for any damages incurred as a result of your non-compliance. 

I urge you to act swiftly and responsibly to rectify this situation and restore my confidence in Equifax 's ability to handle consumer information in a lawful and ethical manner. 

I expect to receive written confirmation of the freezing of my consumer report within five days. Failure to comply will leave me with no choice but to escalate this matter further. 

Thank you for your immediate attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-08
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: ALLY FINANCIAL INC. (CT)

To whom it may concern, Please be advised that I have made several attempts in correcting the information that has been incorrectly updated and inaccurately reporting to XXXX, XXXX and XXXX XXXX. I have submitted all information from Ally in regard to the release of rights and ownership of the vehicle that is being reported as an open account and it is stating that I have been making on time payments for a vehicle and lease I no longer have or own. Ally themselves have sent a letter regarding the release of ownership from me and I have attached it to this information I am providing ( sent to me XX/XX/2022 ). XXXX XXXX, XXXX and XXXX reports as though I have had the vehicle with on time payments for over 3 years after having had returned the vehicle ( Documents are attached to support ). I have sent a letter to XXXX XXXX and XXXX XXXX that was received no later than XX/XX/XXXX by certified mail ( documents are attached with specific dates received individually for each as well as copies of the letter that was sent ). XXXX XXXX and XXXX have responded although I have yet to receive any information back from XXXX in regard to deleting my account with Ally from their reporting ( documents are attached to support ). XXXX, XXXX and XXXX XXXX have allowed Ally to report consistently and incorrectly my information and have done nothing regarding the fact that they still have this information still being reported inaccurately. This again was the second time for Ally to correct changes and only to report it inaccurately yet again. It is my right to have an accurate credit file and errors like this are detrimental to my well being. It is in direct violations of my rights according to 15 USC 1666 and I am looking to execute FCRA section 611 for the inaccuracy of the disputed information and looking to have all record with any reporting from Ally removed immediately.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

To Whom It May Concern, I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

As previously disclosed, I am a victim of identity theft. I have reported this with the FTC. 
Please remove this inaccurate information from my report immediately.
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I have attempted several times to correct this problem. All three credit reporting companies are reporting a late status on the XXXX account on my credit report. The first inaccurateness is it was never late. Secondly each one is report a different month in which it was late. 
XXXX-Account numberXXXX, XXXX XXXX XXXX  ( XXXX XXXX XXXX ) , has it marked late in XX/XX/XXXX XXXX-Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has it marked late XXXX XX/XX/XXXX Equifax-Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) has it marked late in XX/XX/XXXX, but on Annual Credit Report XXXX has it late as 0 times ( see attachment ). I have given documentation of the inaccurate reporting and the credit bureaus have still refused to follow guidelines set forth by FCRA and update the inaccurate information. 

I have also attempted to get in contact with XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) per email ( request XXXX ) several times ; the last one being on XX/XX/XXXX requesting verification of the date when said late payment was deposited into their bank account ; ie a copy of your bank statement showing the date of deposit. I informed them If could not provide me with the documentation requested to validate said late payment then I requested the company remove the one late payment and update it as current. I finally got a response from XXXX on XX/XX/XXXX stating they are working on the issue after I contacted them again. As of today ' date, XXXX XXXX, I still have not heard from the company or received validation. 
I feel the credit bureaus and XXXX XXXX XXXX ( XXXX XXXX XXXX ) have not complied with FCRA laws in reference to this one late payment.
Consumer complaint received 2021-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I have opened a BOA Cash Rewards Visa Signature Card on XX/XX/XXXX with promotion of " spending XXXX then get XXXX credits ''. 
But after finishing the consumption, I did not receive it. 

# XX/XX/XXXX # I emailed the problem to my banker and get a reply of " rewards will come in 90 days since account opened '' # XX/XX/XXXX? # I called them because I did not receive anything. It seems they mistook the money I paid for my bill as a reward. After the explanation, they agreed, established a case for me, and said they will add the rewards soon. 
# XX/XX/XXXX # A letter came and told me again that they have added {$200.00} to my account.
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, 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. (MD)

15 usc 1681b permissible purposes of consumer reports. Inquiries have to have a permissible purpose. 

I did not authorize XXXX XXXX to do a hard pull on my credit dated XXXX XXXX, 2022.
Consumer complaint received 2020-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

A bunch of inquiry has been popping up on my credit report with out my knowledge and I called and reported it to the companies and they was no help XX/XX/2020 from capital one bank XX/XX/2020 from capital one bank
Consumer complaint received 2024-02-28
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: EQUIFAX, INC. (NC)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Consumer complaint received 2023-01-26
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account ( XXXX XXXX XXXX XXXXXXXX ), 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 2022-03-08
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. (NC)

I have attempted several times to correct this problem. All three credit reporting companies are reporting a late status on the XXXX account on my credit report. The first inaccurateness is it was never late. Secondly each one is report a different month in which it was late. 
XXXX-Account number-XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ) , has it marked late in XX/XX/XXXX TransUnion-Account number XXXX XXXX XXXX ( XXXX XXXXXXXX XXXXXXXX ) has it marked late in XX/XX/XXXX XXXX-Account number XXXX XXXX XXXX ( XXXX XXXX  XXXX ) has it marked late in XX/XX/XXXX, but on XXXX XXXX XXXX  XXXX has it late as 0 times ( see attachment ). I have given documentation of the inaccurate reporting and the credit bureaus have still refused to follow guidelines set forth by FCRA and update the inaccurate information. 

I have also attempted to get in contact with XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) per email ( request XXXX ) several times ; the last one being on XX/XX/XXXX requesting verification of the date when said late payment was deposited into their bank account ; ie a copy of your bank statement showing the date of deposit. I informed them If could not provide me with the documentation requested to validate said late payment then I requested the company remove the one late payment and update it as current. I finally got a response from XXXX on XX/XX/XXXX stating they are working on the issue after I contacted them again. As of today ' date, XXXX XXXX, I still have not heard from the company or received validation. 
I feel the credit bureaus and XXXX XXXX XXXX ( XXXX XXXX XXXX ) have not complied with FCRA laws in reference to this one late payment.
Consumer complaint received 2022-03-08
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. (SC)

Submitted information several times via USPS, Experian Upload, and directly to Experian through my credit monitoring application. The information was what I was told directly from them that I needed to remove the file. Both XXXX and XXXX have removed the account. My first submission was in XXXX of 2021, then again in XXXX and XXXX. I have an account that paid in full with a zero balance thats only reporting on Experian. This account should have been deleted once is was paid in full. Experian will not tell me why they won't remove it. They continue to verify this account electronically and not do a investigation.
Consumer complaint received 2022-03-08
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. (CA)

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureaus, as willful negligence and non-compliance with federal statutes. Please UPDATE the account in my Credit Report : XXXX XXXX BANK XXXX XXXX XXXX
Consumer complaint received 2022-03-08
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. (MT)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please ELIMINATE the following accounts completely from my Credit Report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I just recieved my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile. This has been a rough time during the covid 19 pandemic outbreak
Consumer complaint received 2018-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CO)

I deposited a check at Wells Fargo on XX/XX/XXXX at XXXX in the amount of XXXX. Was told that due to my account status that a small portion {$200.00} would be available on XX/XX/XXXX, another portion {$4800.00} on XX/XX/XXXX, then the remaining XXXX on XX/XX/XXXX. I spoke with the manager on the phone, I called the XXXX number and was told they could not change this. I have deposited a larger amount check with some funds available same day and all by the next. Have deposited several checks all from the same Legal firm with no problem As to the status of my account, I have no Leins or overdrafts. When I requested to close my account they refused and called the police. They are trying to disperse my funds at their discretion. So now I can not close this account and bank elsewhere until after XX/XX/XXXX when all my money is available per Wells Fargo. According to the Regulation CC on Federal Reserve. Gov. The max amount of time they can hold funds is 5 days and then have to prove why they are holding funds. They have proven nothing and are holding a portion longer then 5 days. This occurred in XXXX Co. at the XXXX XXXX branch of Wells Fargo and according to the Police Officer in the state of Colorado the branch manager is the Boss, he basically can decide what he can do with peoples accounts, the Managers name is XXXX XXXX.I will be reporting this to every agency I can. I am also going to seek any and ALL Legal advise and action available, including contacting the current Class Action Suit against Wells Fargo
Consumer complaint received 2023-01-26
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (SC)

XXXX XXXX XXXX was filed in bankruptcy but is still being reported as an active part of credit through Experian. I have tried tried several disputes to have remove, but it remains the same.
Consumer complaint received 2022-06-20
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 — Their investigation did not fix an error on your report
Company: CCS Financial Services, Inc. (OH)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MT)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please ELIMINATE the following accounts completely from my Credit Report : Original creditor : XXXX, Original creditor:XXXX, Original creditor : XXXX, Original creditor:XXXX, Original creditor:XXXX, Original creditor:XXXX, Original creditor:XXXX, Original creditor:XXXX
Consumer complaint received 2018-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

Hi I have recently been notified from JPMorgan chase that all my 4 credit cards with them have been closed with no explanation over the phone at all that there is nothing for me to do about it and no one to talk to I have been an excellent customer with them for over 2 years now and relly on there credit cards for daily and large purchases
Consumer complaint received 2018-05-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (WA)

My account is on autopay and I checked my account status on XX/XX/XXXX online. I saw that my monthly payment increased and I did not think that I was properly notified of the change in terms. I double checked my email and my online account inbox, no statement was sent to me to notify of the change. I called on XX/XX/XXXX to tell them that I did not receive a statement through email and it is not in my online inbox. The last statement I received was XX/XX/XXXX, with a payment due date of XX/XX/XXXX. The customer service representative said they have a generated statement dated XX/XX/XXXX for my XX/XX/XXXX due ; the monthly payment amount can not be changed. I told him that I was not properly notified and that I would like an account adjustment for the overpayment they are charging me. I said I have a screenshot showing that they did not send me a statement. He said it doesnt matter because on their system it shows it was sent and they cant change my payment or change the payment allocation. He offered to cancel my autopay and put me on forbearance. I said no I dont have a problem paying, my problem is that I was not notified. I asked to speak with a supervisor and was on hold for 30 more minutes. The representative said they are very busy. I said I have to get to work and would like a callback. He said they would call back asap. I gave him my number and it has been over 24 hours without a callback from the supervisor to resolve the issue.
Consumer complaint received 2017-02-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (FL)

This company is illegally reinserting previously deleted items that were inaccurate on my credit file. They did not investigate the proper items I requested, but instead decided to reinsert not within the proper time frame allowed by law, and they did not notify me of doing so. They are also blocking my credit file from any government agency, and 3rd party and sight that it is for " credit file integrity, '' which under no statue of the FCRA does it state that they have the legal standing to do so. I would also request that they pull my credit file out of the office of consumer affairs because once again there is not legal standing for which they are holding my credit file hostage. I have spoken to my local states attorney and this is not resolved in an amicable way, My next correspondence will be coming from the circuit court in my state.
Consumer complaint received 2018-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

My credit report has a name on it similar to mine but is not me, also this same name has been reported with an account that is not mine. I never done business with this company nor have I given permission to anyone or company to open this account.