davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-14
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-12-14
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 recently received a copy of my ( XXXX, Equifax or XXXX ) consumer report, and I noticed that it is reporting my experience with XXXX XXXX. 

I Sent letter informing them the line of credit I have with there company, which is characterized as utilization on my consumer reports IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 

XXXX XXXX is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) XXXX XXXX  that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
XXXX XXXX HAS VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 
I advised XXXX XXXX they have 10 calendar days to update my utilization to 5 % or below and or delete all utilization from the consumer reports concerning my account. 
Failure to respond satisfactorily with deletion or update of Utilization to 5 %, will result in legal actions being taken against there company, for which I will also be seeking {$1000.00} per violation for : 1.Defamation of Character 2.Negligent Non Compliance 3.Civil Liability XXXX Anguish 5.Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2022-12-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (IL)

My name is XXXX.I am writing to you with regards to an improper post death disbursement made by Chase Bank. 

My father, XXXX XXXX, passed away on XX/XX/2022. 

At the time of his passing he had a sole owned account ( with no designated beneficiaries ) at Chase Bank, with an approximately {$32000.00} balance as of the date of death. However in early XXXX nearly {$30000.00} was disbursed to an individual present at the Chase Bank Branch located at XXXX XXXX XXXX, XXXX, IL. 

My father died without a will and the estate was not probated, therefore there is no court appointed administrator to whom the funds could have been distributed. On XX/XX/XXXX I presented a small estate affidavit to Chase to receive the account balance and close the account, and was informed by banker, XXXX XXXX, there was a hold due to social security direct deposits. I checked back frequently for several months and learned in XXXX that Chase permitted someone to make an in-branch withdrawal of all but {$1900.00} of the balance. I contacted Chases executive office to find out what authority that person had to make a withdrawal from my fathers account after his death. Chase responded to my inquiry via voice-mail and provided no details except that [ Chase acted properly ]. 

Two weeks after receiving Chases response to my inquiry, I received a check from Chase for {$1900.00}, the few dollars remaining in the account after the unauthorized withdrawal was permitted. If the individual who was allowed to make a {$30000.00} post death withdrawal from my fathers account had authority to transact on behalf of his estate, why didnt Chase send that person the remaining balance instead of me? I believe Chase acted improperly by allowing an individual without legal authority to conduct a withdrawal transaction, and as such should reimburse my fathers estate and honor the small estate affidavit I submitted to Chase on XX/XX/2022.
Consumer complaint received 2022-12-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC. (DE)

This bankruptcy on my credit report must be removed as for the fair credit reporting act and the creditors are not required to report anything to the credit reporting agencies! So why is there any bankruptcy reporting on my credit report that is reported to this credit reporting agencies. This is clearly an error on your part as a credit reporting agency reporting a Bankruptcy! Send me all your data about where you gathered this bankruptcy!
Consumer complaint received 2022-12-30
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. (FL)

Since XXXX of this year I have been sending written correspondence to EQUIFAX regarding an inaccurate account that is being reported to my credit report. There is a XXXX XXXX XXXX  that belonged to my wife, which was settled and no longer reports to her credit profile but still shows on my EQUIFAX credit report as an authorized user and the closed account is showing as DEROGATORY. I have requested in writing for proof of the account 's status and any records to support why EQUIFAX would have it listed on my report, but still have not received ANY correspondence back from EQUIFAX. I have tried to be patient and understanding, considering the fact that EQUIFAX has been under scrutiny and Federal investigation for false reporting. Unfortunately, I do not believe EQUIFAX has any plans to help resolve this matter. So here I am XXXX XXXX later seeking clarity and support to resolve this matter.
Consumer complaint received 2022-12-30
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. (IL)

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX, My only social security number is : XXXX and my only and correct date of birth is : XX/XX/1990 I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2022-12-30
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. (TX)

Equifax and XXXX is showing XXXXXXXX XXXX XXXX which is not mine due to someone stilling my Identity I have tried contacting them. Also with XXXXXXXX XXXX not my account either. XXXX has been on my credit report for 11 years, it should be removed by now.
Consumer complaint received 2022-12-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (VA)

I purchase a gift card from a XXXX XXXX store On XX/XX/XXXX. 
I loaded the card XXXX usd. 
I paid with my credit card a total including activation fee of XXXX usd. 
I have been charged on my credit card as it showes on the receipt as well and my credit card bank statement The gift card is not working. And when I called the number on the back of the gift card ( XXXX ) they asked me to send ( to XXXX ) the receipt, back and front pictures of the gift card which I did. After a fee weeks they replied to me saying that they can't help me. I called so.many times and they put me on hold and never get back to me.
Consumer complaint received 2022-12-28
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. (DE)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish. an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-05-31
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NJ)

Ive tried to get them to lower my monthly payment, after doing the financial work up they determined that I do not make enough but still wanted me to pay an amount I cant afford and told me its a business so they will default me. 

Ive done repayment plans in the past and they randomly kicked me off and up payments XXXX more each time. 

They refuse to give any deferment or forebarence
Consumer complaint received 2022-12-31
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. (NC)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-16
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. (CA)

it's been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regards of a late payment. They have not supplied this information and they must delete the ledge late payment on my credit report. Under federal law they have 30 days to complete the investigation and by failing to do so, the item must be delete it from my credit report as soon as possible.
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-10-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (NV)

LVNV debt collection agency has responded with a statement saying they notified me via mail on XXXX/XXXX/XXXX ... I am providing documentation of a lease agreement with XXXX XXXX in XXXX XXXX where I moved to on XXXX..and I am employed with XXXX XXXX. Therefore, I was NOT notified of debt and LVNV is making a false accusation. The amount of {$1000.00} has been reported to all 3 credit bureaus and done so without notifying me of debt in their possession prior to the report to the credit bureaus.
Consumer complaint received 2023-01-29
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. (IN)

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. Equifax is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 
-- -- -- -- -- - In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? Anyone paying for your reporting services could fax, mail or email in a fraudulent account, or add an account fraudulently using the E-Oscar system. -- -- -- -- -- -- -- -- I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. To date, Equifax has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. Please note that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. -- -- -- -- -- -- Moreover, two accounts have been in " Dispute Not Available '' status for almost 8 months, which I have included in screen shot. Finally, I did NOT authorize the XXXX XXXX  XXXX made on XX/XX/XXXX! It must be verified as with any other data or removed immediately. All inquiries prior to XX/XX/XXXX are outdated and also must be removed.
Consumer complaint received 2022-12-30
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)

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2023-01-29
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: ALLY FINANCIAL INC. (FL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under al open end consumer credit plan as late for XXXX XXXX XXXX XXXX 
XXXX
Consumer complaint received 2023-02-13
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. (MI)

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : XXXX  - Acct # XXXX, XXXX XXXX - Acct # XXXX, XXXX XXXX XXXX - Acct XXXX XXXX, XXXX XXXX XXXX - Acct XXXX XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX - Acct # XXXXXXXX XXXX XXXX -  Acct # XXXX 15 U.S.C 1681 Section 602A : States I have the right to privacy. 15 U.S.C 1681 Section 604A, Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

I have not given written or verbal instructions or permission to share my account information.
Consumer complaint received 2023-07-22
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. (AL)

I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES. PLEASE BLOCK AND REMOVE IT. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-13
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information belongs to someone else
Company: FORD MOTOR CREDIT CO. (CA)

Lincoln Financial reported I had a late payment in XXXX because my payment did not go through. I called them in XXXX and gave them new payment info and they took it out of the wrong account ( the old one ) and the payment didn't go through. They never tried calling me or sending me a letter in the mail. The next month came and it hit my credit negatively with a 30 day late. They were supposed to take it from the new account. I also sent them a letter in the mail and they said there was nothing they can do and we're going to keep it 30 days late. When I found out the payment was 30 days late from my credit keeper it lowered my score over XXXX points. I have perfect credit and have never had a 30 day late. I'm asking them to reverse their decision is it was their error. I will be getting an attorney involved and taking them to arbitration or small claims court if they don't fix this issue. I had my oldest credit card shut down because a recent 30 day late which we them. I also am having issues taking out a current loan right now. I have significant financial damages because of this late recent 30 day late! I'm demanding they d Fix this NOW! If they would like they can listen to all the calls I made to them to switch the account I'm sure their calls are recorded. They said they would fix this and never did! I need this corrected asap!
Consumer complaint received 2017-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL (PA)

I have been trying for over 30 days to get Synchrony Bank/Carecredit to stop reporting to the credit bureaus that this account is paid by a credit counseling program. I was on Consolidated Credit counseling for three months from XX/XX/XXXX to XX/XX/XXXX. They mailed me a letter and Synchrony Bank a letter showing I am no longer on the program. I have been paying this creditor on my own since XX/XX/XXXX. After disputes with XXXX and XXXX, Synchrony Bank refuse to remove the clause that I am on a credit counseling program and it is causing me to be denied for credit. I need your help is getting this resolve because it 's been over 30 days and I have not received an results