davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-02
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. (NC)

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance {$270.00} XXXX XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance {$2000.00} XXXX  XXXX-Jun. XXXX, XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX
Consumer complaint received 2019-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score XXXX value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2022-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Entrata Inc. (FL)

I submitted our application XX/XX/2022 and the background verification company that conducted the screening was Resident Verify located at : XXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXX. 

Per FCRA requirement, your credit score and contributing factors are included below.

- you have too many delinquent or derogatory accounts - too many installment accts with a delinquent or derogatory payment status - the date that you opened your oldest account is too recent - lack of sufficient relevant real estate account information I was instructed by the property manager ( who was very rude ) to contact the company who ran the background check, Resident Verify located at : XXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXX the actual rental screening company. I was not aware of a XXXX XXXX and was not informed this would be used as a method for approval or denial. 

I called When is data updated? Where is the data being pulled from to come to a determination of denial? etc. I have been paid my rent on time for the last 5 years. 
What is showing different from the information on our credit reports from XXXX, XXXX, and XXXX XXXX that we monitor daily and through each individual credit union. We were told to contact XXXX to find out. The letter clearly states the '' Credit reporting agency does not make the determination. '' The screening company avoided explaining the denial and would not provide more detailed information, as a consumer I have the right to know what is being reported against me after giving my consent.
Consumer complaint received 2022-04-26
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. (NJ)

In accordance with the Fair Credit Reporting Act, XXXX  XXXX  Acct # XXXX and XXXX  XXXX XXXX  have violated my rights 15 USC 1681 Sec 604 A Sec 2 states the consumer reporting agency can not furnish an account without written permission. Also 15 USC 1666B a creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-10-12
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: EQUIFAX, INC. (NY)

I recently checked my credit report and there is fraudulent activity still on my credit report. I have reached out to XXXX, XXXX & Equifax. I have sent them letters and told them that i have contacted all of the companies that placed the inquiries on my profile and told them that they're fraudulent. The told me to contact XXXX XXXX XXXX & Equifax & There has been no change. I filed a FTC Report today as well and asking for The 3 Bureaus to Please remove the inquiries off of my report as they don't hold accounts & ARE NOT MINE! 

XXXX XXXX XXXX XX/XX/XXXX . XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2020-07-23
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. (GA)

XXXX XXXX  XXXX XXXX, GA XXXX SINGLE FAMILY XXXX XXXX XXXX  XXXX, GA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, MO XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, GA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, GA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, MO XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, IL XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, MO XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY address are not mine and accounts SSNs show tooltip button Only variations displayed. Select as many as apply XXXX XXXX they ss that are mine XXXX XXXX XXXX XXXX Account Number XXXX Account Type FHA Mortgage Responsibility Individual Date Opened XX/XX/XXXX Status Foreclosed. {$67000.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$320000.00} Balance Updated XX/XX/XXXX Recent PaymenXXXX XXXX XXXX Monthly Payment {$0.00} Original Balance {$260000.00} Highest Balance {$0.00} Terms 33 Years On Record UntilXXXX XXXX Record Type Chapter XXXX bankruptcy dismissed Date Filed XX/XX/XXXX Date Resolved show tooltip XX/XX/XXXX Responsibility Individual Reference Number XXXX Reinvestigation Information This item remained unchanged from our processing of your dispute in XX/XX/XXXX. 

On Record Until XX/XX/XXXX filed ftc 60 days ago
Consumer complaint received 2021-10-12
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. (NY)

I recently checked my credit report and there is fraudulent activity still on my credit report. I have reached out to XXXX, Transunion & XXXX. I have sent them letters and told them that i have contacted all of the companies that placed the inquiries on my profile and told them that they're fraudulent. The told me to contact XXXX , Transunion & XXXX & There has been no change. I filed a FTC Report today as well and asking for The 3 Bureaus to Please remove the inquiries off of my report as they don't hold accounts & ARE NOT MINE! 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion
Consumer complaint received 2020-06-02
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. (VA)

I don`t recognize this account and inquiries, I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible.
Consumer complaint received 2023-01-18
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. (NV)

I received a Correspondence that my personal information was compromised in the XXXX internal data breach. After being notified I reviewed my reports and learned that an account reporting as XXXX XXXX XXXX XXXX that I have no knowledge of is reporting on my credit report, On XXXX XXXX, I forwarded a certified letter to Experian, and XXXX asking that they verify this account and send me their investigation results or Delete this account which I am requesting, the aforementioned credit agencies has failed to do so, they only comment on my credit file that the account was verified, without and supporting documentation or responded to my dispute. I am initiating this compliant against Experian and XXXX and moving forward with letastl options if this account is not investigated immeditately and deleted.
Consumer complaint received 2024-03-02
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct 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
Consumer complaint received 2021-05-01
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY (FL)

Since opening my XXXX XXXX  account and making gift purchases they have put a restriction on my account. Every day for the past month I have sent the requested documents to XXXX XXXX Card and they keep advising me that they cant verify my information. I last spoke with XXXX rep ID XXXX and when I suggested that I mail the documents she kept going around in circles stating that they cant verify my information. I am currently enclosing the information XXXX XXXX Card is requesting in this report.
Consumer complaint received 2019-03-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Trans-Fast Remittance LLC (FL)

I sent two separate transfers to my sisters in XXXX via TRANSFAST. US {$500.00} each. I send it on XX/XX/XXXX and my bank was debited the same day. Transfast has not deliver the money to any of my sisters as of today XX/XX/XXXX TRANSFAST only answers automatic answers and no solution my money is lost. 

TRANSFAST references of both transfers are : XXXX and XXXX
Consumer complaint received 2021-08-21
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: EQUIFAX, INC. (FL)

In a previous dispute XXXX Equifax requested copies of my drivers license, social security card, and my W2, all 3 items were uploaded, now they are saying it doesn't match their records which is ridiculous because those are my original documents. I am uploading it again I I expect Equifax to do what is expected of them instead of these game, my next option will be small claims court seeking damages.
Consumer complaint received 2020-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

good Afternoon, XX/XX/2020. 
I am reporting severe deposit, withdraw and posting and avalible funds issues due to victimization of abuse of power and raquiteering of my idenity. I Request my financial benefits posted and available legally as indicated by international law. I also request my contranct to be honored
Consumer complaint received 2021-04-12
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. (GA)

A debt collection agency is reporting a collections account for an account that was paid in full. There was a previous collection agency which tried to report the same account as collections. I submitted documentation proving the account was paid in full. The negative information was removed from my account. A new collection agency is now claiming the same debt as collection. I have disputed with Experian, and they are telling me the debt is valid, but I paid the debt over a year ago, and this collection agency 's claim is less than 6 months old.
Consumer complaint received 2020-09-12
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2018-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (NY)

I recently received a cash bequest which I used to pay off large amounts of debt. I did this for 2 reasons ... 1. I am now a retiree and I wanted to reduce my monthly outgoings and 2. I wanted to improve my credit score as I am about to purchase a new car ; I wanted to finance this. 

I paid off my ~ $ XXXX mortgage and my $ XXXX HELOC with Chase and I paid off my $ XXXX Auto Loan. I still have another auto loan ( ~ $ XXXX ), a 0 % interest credit card with about $ XXXX outstanding, my XXXX XXXX XXXX and I have no serious delinquencies. 

My initial complaint was with Chase as they were still reporting my ~ $ XXXX HELOC as outstanding nearly 2 weeks after I had paid it off and this was affecting my credit utilization which was at 51 % before the loan payoff was acknowledged ; this gave me a credit score of around XXXX. I applied to XXXX XXXX for an auto loan for my new car and I was turned down flat by every lender. I was told that my credit utilization was too high. I complained to Chase and the Credit Reporting Agencies that old data was being reported and this was detrimentally affecting my ability to borrow money and Chase fixed the reporting on their end. 

I didn't need my HELOC anymore and I was not going to use this for my Auto Loan as the interest is too high and it's an adjustable rate. Chase asked me if I wanted to close the account which, of course, I did as the account is redundant. Nobody warned or advised me that this could have a damaging effect on my Credit Rating. 

Once XXXX  acknowledged that the loan had been paid off, they sent me a mail alerting me to a change in my credit score. I had paid for credit monitoring and I logged into my dashboard to find that my credit score had dropped to XXXX. I called XXXX to discuss this and I was told that the act of closing my HELOC was/is viewed negatively but they were unwilling to explain why. 

I have an excellent ( 24 year ) record of responsible borrowing and on-time payment. I now own my house free-and-clear ( ~value $ XXXX ) and my current car ( ~ $ XXXX ) and I have liquid assets of around $ XXXX and semi liquid assets XXXX investments ) of around $ XXXX. 

Why did Chase not warn me of the potential negative outcome of closing my HELOC account? 

Why am I being penalized for paying off my debts? I can now no longer borrow money at all. If I could borrow, it would be at exorbitant rates of interest. 

How can this be fair or even legal? 

Why are people not given clear information on what affects their Credit Ratings so that they can make the appropriate decisions? I would not have closed my HELOC account if I had known that this would cause my credit score to crater.

It seems that I am being blackmailed into staying in debt to avoid my credit rating being damaged ... this is extortion.
Consumer complaint received 2022-04-26
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. (IL)

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 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-02
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. (NC)

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 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 2021-08-21
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (NY)

I have an auto lease with Ally Financial, and have been paying all monthly payments on time up to XX/XX/2021. Ally repossessed the vehicle unilaterally from a towing company in XX/XX/2021, no response from Ally after exhausted efforts ( see my letter via online portal to Ally on XX/XX/2021 ). Ally sold the vehicle in XXXX, and sent me the final statement on XX/XX/2021. I paid the final amount without any delay ( see Letter from Ally on XX/XX/2021 ). 

To my surprise, Ally reported a " Charge off '' to credit bureaus ( see XXXX  as an example ) in XX/XX/2021. This has impacted my credit score significantly and unfairly. 

I believe that Ally is practicing an egregious procedure to damage consumer 's credit score for their financial benefit.