davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-20
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: EQUIFAX, INC. (NY)

I've made several attempts to correct items on my consumer report that is inaccurate. 

In XXXX, I sent a mail disputing inaccuracies and I was told items were updated. The items were still inaccurate so I sent another certified mail on XX/XX/2022 delivered XX/XX/XXXX ( tracking number XXXX XXXX XXXX XXXX XXXX ) asking to look into the matter, but no resolution. 

According to 15 USC 1681e ( b ) a consumer reporting agency required to assure maximum possible of accuracy 15 USC 1681s-2 ( A ) ( 1 ) - person shall not furnish any information if the person knows or has reasonable cause to believe information is inaccurate.

I have repeatedly reached out to Equifax for over a year, with no resolution. My consumer rights that should be enforced federally has been violated. 

I've attached my initial letters ( XXXX, XXXX, and XXXX ) & latest credit report
Consumer complaint received 2022-06-09
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. (NV)

Hi I am submitting this XXXXXXXX XXXX XXXXXXXX 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 n 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 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 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 n admitted they had my police report n 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 n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

IN accordance with the fair credit reporting act XXXX account # XXXX Has violated my rights. 15 U.S.C 1681 section 602A. 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 2022-10-25
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: Experian Information Solutions Inc. (AZ)

Experian continuously breaks the law. They have repeatedly violated my rights as a consumer. When speaking with their staff I can never get anything resolved. Their staff is rude and I've been hung up on twice. I've made multiple attempts to correct my report. I've spoken with countless people. I've been a victim of identity theft and may still be. In XXXX I found out that I had debt in my name from prior years dating back to XXXX. I was XXXX years old in XXXX. As a result, my credit has been affected. However, I've done my part to correct my reports. Yet, there are several accounts that do not belong on my credit. I have disputed and have not got the results and it's not fair. Not only have I been a target of an identity thief but Experian 's carelessness and negligence have made matters worst. Their negligence has adversely affected my creditworthiness and is causing me financial injury. Experian never insured the accuracy of these accounts and refuse to conduct a lawful investigation. My right to an accurate credit report has been violated. My right to privacy has been violated. These aren't the only violations. There are millions of people who are suffering from incorrect information being furnished to their reports. According to the XXXX XXXX XXXX, XXXX, and many other sources. I am one of the many. Please help me address this. Thanks for providing a place to share and hold these parties responsible.
Consumer complaint received 2018-11-07
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: Mar Joe Enterprises (VA)

On XX/XX/XXXX, I had XXXX with anesthesia services being provided by XXXX XXXX XXXX, XXXX ( XXXX ). After my insurance paid their portion of the charges, I was billed by the anesthesiology group on XX/XX/XXXX for the balance due of {$49.00}. This amount was paid on XX/XX/XXXX by a bill pay transaction ( check # XXXX ) which cleared my checking account on XX/XX/XXXX. 
In early XXXX of XXXX, I received a notice dated XX/XX/XXXX from XXXX, XXXX, a collection agency in XXXX, TN, which advised that I could " ... dispute the validity of this debt ... within 30 days from receiving this notice ... '' On XX/XX/XXXX, I provided a written dispute along with a copy of the check with which payment was made. Assuming the matter was resolved, I took no further action. 
In late XXXX of XXXX, my wife visited XXXX XXXX XXXX in XXXX, TX to start the application process for a mortgage loan, but she was told that, due to a medical collection judgement against me for {$49.00}, our mortgage interest rate would be one-quarter of one percent ( 0.25 % ) higher than it would have been otherwise. While this does not seem to be very much, over the course of 30 years on a {$200000.00} mortgage, the additional cost to us would be in the neighborhood of {$15000.00}. 
After receiving this news, I disputed the non-payment through the credit reporting agencies, but XXXX, XXXX simply confirmed the judgment against me was valid and declined to correct my records. Hopefully, you will be able to assist me in getting the false reporting corrected and get my credit rating cleared up.
Consumer complaint received 2018-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SLM CORPORATION (TX)

I found a hard inquiry from XXXX XXXX B that I did not authorize. It shows to have happened on XX/XX/18 but I received nothing from them nor have I ever communicated with them.
Consumer complaint received 2022-08-02
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 
By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OR)

Equifax and XXXX  should not be reporting me as an authorized user on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2023-01-20
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. (CT)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX # XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance : {$820.00} ; ( Original creditor ) XXXX Date opened : XX/XX/XXXX Balance : {$28.00} ; ( Original creditor ) XXXX Date opened : XX/XX/XXXX Balance : {$40.00} ; XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX.
Consumer complaint received 2020-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (CA)

XX/XX/2020 Consumer Protection Bureau This is a complaint against Citibank Credit Card. I called on XX/XX/2020 at XXXX XXXX. and was transferred to XXXX # XXXX. The phone number was XXXX. He stated the call was recorded. This is my issue. 
Four years ago we missed a payment to Citibank. One month later I was contacted by phone for the {$130.00} that was due. They stated there would be a penalty of about {$10.00}. I paid this balance over the phone in full at that time. Citibank had a wrong email address for us and said then they corrected it, after they talked with us. I have no issue with this. 
We recently applied for a mortgage and this late payment, that was filed by Citibank, damaged my credit score. This is the only late payment I had made in over seven years with Citibank and was an oversight, partially, because we were opening a Cit Bank and there was some confusion on bill paying. I then applied for a good will adjustment from Citibank in XXXX of 2020. The response was, legally we cant change this at the credit bureaus, if youre late, youre late, and there would be no adjustment. They did not address my good will adjustment request. 
When I called on XXXX XXXX, 2020 I asked Mr. XXXX # XXXX, if I had been treated fairly in the good will adjustment policy? I asked, was there a policy? He stated, we have no good will adjustment policy. I then asked, do you ever make a good will adjustment on any account? He said, yes, we do make good will adjustment account, but its on a case by case basis, depending on the reason and the review. I asked, what is a qualifying reason? He stated, it depends, it based the size of your account. We make adjustments and look at the reason depending on how valuable the account is. 
I understand that Citibank is a business and youre going to be treated better if the bank makes more money on your account. You may receive concierge services, but to legally damage people based only on the amount of money they make for Citibank is a gross discrimination. Everyone should have a fair shot at a good will adjustment and should not be based only on how much money Citibank makes. 
I would ask you consider demanding that Citibanks good will policy be formalized and not be allowed to be used in a discriminatory fashion, based solely on the size of the account. 
When I called I said that, before I filed a complaint with the Consumer Protection Bureau, this was a Good Faith Effort to resolve this complaint.
Consumer complaint received 2022-08-02
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (MI)

Around XX/XX/18 I opened a checking, savings and business bank account at XXXX XXXX XXXX XXXX XXXX   MI XXXX. I presented all the required personal identification documents, and they were deemed acceptable by the bank agent and the accounts were opened.

My wife and I then went abroad for a several months long work engagement. We are still abroad.

AroundXX/XX/18 I wrote myself two checks, each for {$5000.00}, from my XXXX Bank account which I share jointly with my wife, and I deposit said checks to my Chase personal checking account through Chase 's mobile app. The checks cleared shortly thereafter.

Around XX/XX/XXXX I noticed that online access to my accounts had been restricted. I called Chase, and they informed me that one of the ID documents I used to open the accounts was not an acceptable account opening documented, and my accounts will be automatically closed. They said they will mail me a check for the funds that were in the accounts ( {$10000.00} in the checking account, {$320.00} in the savings account ).

A few days later a check arrived for {$320.00}.

A week or so later, I called Chase to ask about getting a check for {$10000.00} from the checking account. They said they can not issue a check for the {$10000.00} because the name on the check was [ wife 's ] name. I explained that the account on which the check was drawn is shared jointly between [ wife ] and myself, but the name on the check is just [ wife ] 's name.

They said they needed to speak to [ wife ]. [ wife ] was right next to me at the time but they refused to talk to her on the phone. They said they require a " phone number that links back to [ wife ] ''. I gave them [ wife 's ] cell phone number but they didn't accept it. They checked their databases and couldn't find the phone number of [ wife ] that I gave them ( [ wife 's ] cell phone number overseas ) and so they refused to issue a check " until such time that I can supply them with a phone number that links back to [ wife ] that they can reach [ wife ] on ''. As I said previously we are now overseas and reachable only by personal cell phone.

I am now in a situation where Chase allowed me to open an account, and allowed me to deposit funds in my account, but then suddenly and without warning closed my accounts and won't return the money I lawfully and in good faith deposited.

For identification purposes, the account number of said checking account is XXXX.
Consumer complaint received 2023-01-20
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. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-08-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Results Unlimited, Inc. (VA)

I resided at any apartment called XXXX at XXXX managed by XXXX XXXX XXXX. Upon move out I received a final bill with a charge of {$1500.00} for carpets damage when there was no carpet damage. When I attempted to dispute this the apartment complex did not respond to my emails or phone calls and sent my file to the XXXX XXXX who later sent my file to a collection agency by the name is Results Unlimited. I have been trying to dispute this charge and not the rest of the charges as this charge is inaccurate and I have supplied them proof with condition of the apartment and carpets condition upon move out. I sent emails to XXXX upon receipt of the final bills with pictures of the apartments condition upon move out with no damages XX/XX/2020, and my account was in collections by XX/XX/XXXX with no contact or explanations from the XXXX XXXX or XXXX at XXXX  prior to that. The collection agency ( Results Unlimited ) is telling me they can take legal action if I don't pay and if I choose to go to court I have to also pay the legal fees in addition to my final bill. This is opportunistic behavior during a pandemic to charge someone fraudulent charges. 
My Issue is incorrect billing/inaccurate charges, The Apartment complex XXXX at XXXX did not provide any reasoning or evidence to support these charges when I provided proof of the apartments condition upon move out. The XXXX company forwarded my file to collections as well without contacting me and the collection agency is wanting to charge me legal fees to dispute my concerns in addition to current charges or " take legal action '' if I don't pay.
Consumer complaint received 2022-08-02
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: EQUIFAX, INC. (TX)

I have submitted disputes to you and i didn't get a response within 30 days and you all are required by law to do so please investigate my disputes. Please thank you