davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OK)

I hope this letter finds you well. I am writing to follow up on my previous dispute regarding certain inaccuracies in my credit report, which I brought to your attention.. I must emphasize the critical importance of ensuring that the information reported on my credit file is not only updated but also fair and accurate, as stated by federal law. 15 U.S.C. 1681 ( b ) of the FCRA, consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information contained in individuals ' credit reports. It is important that the updated information reflects the most accurate representation of my credit history to avoid any negative impact on my financial standing. Under 15 U.S.C. 6802 of the GLBA, I am entitled to full transparency regarding the disclosure of my personal information and the entities with whom it is shared. Therefore, I request documentation proving that I provided explicit consent for the inclusion of the updated information in my credit report, as required by law. Furthermore, according to Section 15 U.S.C. 1681s-2 of the FCRA, upon receiving a consumer dispute, consumer reporting agencies must conduct a reasonable reinvestigation to determine the accuracy of the disputed information. It is important that this process is followed diligently to ensure the fairness and accuracy of my credit report
Consumer complaint received 2021-01-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Received a response from Transunion on XX/XX/XXXX, in response to a dispute about credit report. Specifically, account XXXX XXXX XXXX, Account Number : XXXX. This account does not show payment history from XX/XX/XXXX through XX/XX/XXXX. Transunion has a sent me a status of verified but my payment history doesn't show. 

By law under the FCRA 611 ( a ) ( 6 ) ( B ( iii ) FCRA 611 ( 15 U.S.C. 1681I ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. Transunion has denied my legal right to request how Transunion verified the accuracy of this account.
Consumer complaint received 2020-08-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST CITIZENS BANCSHARES, INC. (FL)

I opened a First Citizen 's Bank checking and savings account as a result of a {$300.00} bonus promotion being offered. The terms state to receive the Free Checking bonus of {$300.00} I would need to open an account, make 10 debit transactions within 90 days of account opening, and concurrently open any new savings account. Upon completion of these requirements the terms state that I would receive the {$300.00} bonus within 120 days. I fulfilled all of the requirements however I never received the {$300.00} bonus within the 120 days.
Consumer complaint received 2023-11-22
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. (FL)

I Have been disputing these accounts for several months and this credit bureau is not taking the proper measures to Fix the inaccuracies on my credit report which is tarnishing my good name and credit. First I want to start off by listing the Accounts that I have been trying to get dispute and removed due to too many inaccuracies. XXXX  XXXX XXXX - Account # : XXXX, XXXXXXXX XXXX : XXXX. All of these account are reporting a lot of inaccuracies Account Number XXXX The following is reporting inaccurate on my credit report with these accounts listed above -Account Status is reporting inaccurate/ misleading -Open Date is reporting inaccurate/ misleading -Last Activity is reporting inaccurate/ misleading -Type is reporting inaccurate/ misleading -Responsibility is reporting inaccurate/ misleading -Remarks is reporting inaccurate/ misleading -Times XXXX Days Late is reporting inaccurate/ misleading -Month 's Reviewed is reporting inaccurate/ misleading -Term Source Type is reporting inaccurate/ misleading -High Balance is reporting inaccurate/ misleading -High Credit is reporting inaccurate/ misleading -Monthly Payment is reporting inaccurate/ misleading -Current Payment Status is reporting inaccurate/ misleading -Amount Past Due is reporting inaccurate/ misleading This is a violation of FRCA laws and Metro 2 Compliance. All information needs to be 100 % Accurate My name is Also reporting inaccurate and my address as well. The only name I should have on File is XXXX XXXX XXXX XXXX exactly as spelled. My current and only address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX I will attach my most recent dispute letter and most recent credit report.
Consumer complaint received 2021-01-21
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. (OH)

I am filing this complaint because the bureaus have ignored my request to provide me with the documents that their company has on file that was used to verify my accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly " delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you.
Consumer complaint received 2023-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (AZ)

I have an established link between Chase checking account ( XXXX ) and XXXXXXXX XXXX account ( XXXX ) and have done 3 online transfer from XXXX to XXXX on XX/XX/2023 {$190.00}, XX/XX/XXXX  {$440.00} and XX/XX/XXXX  {$100.00} successfully. An transfer of {$2500.00} was also processed from Chase XXXX to XXXX. But on XX/XX/, the same transfer from XXXX to XXXX for {$420.00} was rejected without any reason given ( see attached ). When I stopped the branch in XXXX XXXX, AZ, XXXX had no response. When I asked for more info online. I was given this : " Your funds transfer could not be completed because it needed your verification. '' I WAS NEVER ASKED FOR ANY VERIFICATION. IT WAS THE SAME PROCESS AS THE OTHER 3 TIMES! 

Not only that, I discovered on XXXXXXXX  that Chase DELETED the very account i question-XXXX. I have to RE-ESTABLISHED the ACH link again ( see attached ). 

this is wrong advertising. Chase CAN NOT DO external transfer and WILL NOT provide a valid answer.
Consumer complaint received 2024-02-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TN)

This company refuses to provide a validation of debt and claims that the inaccurate reportings ( that was originally outlined in my report ) is not their fault, it inaccurate reportings are found. This collection agency is seeking payment for an account they have no proof belongs to me, an account with contradicting payment history such as payments reported as paid on one credit reporting agency while those same months are reported " missed '' on another. This is extremely predatory and against the law. Please investigate this. please look at the files attached for further context.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

I mailed EQUIFAX a letter stating that per the consumer law 15 U.S.C 1681i ( 7 ) Method of verification they were required to send me the documentation of how they validated/ verified the alleged date, the name of the person who verified the debt and other required information and they failed to provide me with that information. They are now in violation of my consumer rights.
Consumer complaint received 2023-11-22
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Consumer complaint received 2021-10-05
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (FL)

On XX/XX/2021 my wife and I started a Fixed FHA Refinance with Rocket Mortgage our loan officer was XXXX XXXX. We stated to XXXX that we wanted to refinance but do you Covid 19 we had a lien from our current lender XXXX that was put at the end of our loan to be paid off when 1st mortgage is done. We specifically told XXXX that we need this lien included in this refinance to get rid of it. She assured us that it would get done. Meanwhile days/weeks go by and every time I see a document the {$15000.00} lien is not included and every time it wasnt included I reached out and asked why. XXXX stated dont worry it will be included soon just acknowledge everything and continue with process. I even made it a point to ask XXXX if I should hold on getting {$500.00} appraisal until the {$15000.00} lien shows up on our document and she said no and to go ahead and get appraisal so we did. Meanwhile Rocket Mortgage assigned us a Solutions Consultant named XXXX XXXX that was suppose to facilitate this stressful process but all XXXX did was continue the run around and find ways to circle around the {$15000.00} lien. I emailed and XXXX emailed XXXX the subordinate agreement that shows the {$15000.00} lien that needed to be combined to refinance twice! First time he acted like he never received it which was a lie because I have confirmation on XXXX/XXXX/XXXX  and it was uploaded by XXXX through Rocket Mortgage app 2nd week of XXXX. At the end of this entire stressful process XXXX nor XXXX included the lien in the entire refinance and looks like their plan from beginning which they never mentioned to us in any emails or verbal convos was to refinance the XXXX mortgage only and have the lien remain with XXXX and have us take care of that on our own which is not what we asked for since the beginning. I am a XXXX XXXX XXXX individual and ending result is my wife and I are out {$500.00} when it could been avoided at the beginning if XXXX did not trick us throughout the process and disclosed how lien would be handled. Note, I have plenty of emails to XXXX to justify that my wife and I needed the {$15000.00} lien to be added to Rocket Mortgage Refinance. Thank you
Consumer complaint received 2024-02-15
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. (TX)

This is regarding complaint XXXX. I informed Equifax that I filed a XXXX  complaint with the company XXXX XXXX  regarding account XXXX where the company stated they do not directly report a date of last activity so why is Equifax reporting a date last active as of XXXX, while XXXX reported a date last active as of XXXX? Since my last complaint XXXX has since removed the account due to inaccurate reporting. This account is to be removed from my Equifax credit report due to FCRA violations. Please see my credit report showing that only Equifax report this misinformation as well as the complaint summary.
Consumer complaint received 2023-11-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: TransferWise Ltd (TX)

After the unexpected closure of my Wise account, I received a notification from Wise requesting my bank details to process the refund of the remaining balance. However, upon receipt of the refund on XX/XX/2023, the amount of {$1200.00} significantly differs from the balance I recall having in my account, which exceeded {$1400.00} at the time of deactivation. 

Multiple attempts to resolve this issue directly with Wise by requesting a bank statement to verify the actual remaining balance on the date of deactivation have been unsuccessful. Despite my repeated efforts over a period of more than 1.5 months, Wise has failed to provide the necessary documentation or transparently address the discrepancy in the refunded amount.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ, XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  , DC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dispute of Late Payments on Credit Report Reference to 15 USC 1666b Dear Consumer Financial Protection Bureau I am writing to formally dispute the late payments listed on my credit report. According to my records and in accordance with the Fair Credit Billing Act, specifically 15 USC 1666b, there appears to be inaccuracies in the reporting of my payment history. 

Transaction Details : Creditor Name : XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Transaction Details : Creditor Name : XXXX  XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Explanation of Dispute : Upon reviewing my credit report, I have identified discrepancies in the reported late payments. I have attached supporting documentation, such as bank statements or payment confirmations, demonstrating that my payments were made on time. As per 15 USC 1666b, I am entitled to a fair and accurate representation of my credit history. I kindly request a thorough investigation into this matter and the prompt correction of any inaccuracies on my credit report. Enclosed are copies of the relevant documents supporting my claim. Please consider this information in your investigation and update my credit report accordingly. I appreciate your prompt attention to this matter. 


Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AR)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-11-22
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. (AR)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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. 

Account Name : XXXX XXXX XXXX Account NumberXXXX  has violated my rights. Or a list of inquiries : 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 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, FL XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance XXXX : {$0.00} ; XXXX  XXXX XXXX Balance XXXX XXXX {$12000.00} ; XXXX  XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX  XXXX Balance Owed : {$2700.00} ; XXXX XXXX Balance Owed : {$380.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$3500.00}.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

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. 

Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2021-10-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Representative or a law firm of Bank of America called me last week saying Im being sued for a bounce check for {$500.00} or something around there and they said they will be subpoena me soon I really dont know what to do.
Consumer complaint received 2024-02-15
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. (CA)

Previous attempts have been made to obtain proof of verification for these items on my credit report. With each attempt, Equifax has come back with merely a " verified '' or " updated '' without providing any proof of what they received showing that i am personally liable for these accounts ( documents with my signature ) nor did they provide information such as the name of the person at each of these entities who verified the information, which is my right to request. 

At this point, Equifax is in violation of the FCRA by failing to provide documentation showing a fair and complete investigation. Just because they add a note of " verified '' or " updated '' does not provide ANY proof that I am liable for these accounts, or that they are mine. Just because Equifax says " verified '' does not mean that these are my accounts. 

Furthermore, As required by the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 6 ), A statement of dispute must be included in my credit file regarding these items. 
However, despite XXXX obligation under the FCRA, I have recently reviewed my credit report on Equifax.com and found that the requested statement of dispute has not been included on ANY of these accounts. This failure to comply with the FCRA 's provisions is unacceptable and constitutes a violation of my rights as a consumer. 

Equifax is in clear violation of FCRA law, and I demand that these items be deleted off of my credit report because after months of asking for proof of validation, they have provided NONE nor have they added statements of dispute - which proves that these accounts are not legally verified and are being reported erroneously, violating my rights as a consumer. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Bank of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX Bank XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX