davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-08
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. (LA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX Balance : {$700.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-06-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (CA)

Bank with PNC, at XXXX XXXX XXXX  XXXX XXXX Ca XXXX, Fraud Contact number for PNC XXXX on XX/XX/22 I logged into my on line banking to pay bills and transfer funds from one account to my checking account, my account that i use as personal savings was missing over {$4000.00}. It showed that a check for {$4000.00} cleared out of my account on XX/XX/22, when i opened the cleared check, it was a check from a woman named XXXX XXXX XXXX, where she wrote a check to herself for {$4000.00}, I call the bank the next day thinking it was a teller error, for i don't have checks on this account and I am not XXXX XXXX XXXX, the bank later called me said i was a victium of Fraud, someone made this check. The bank closed my account, open another. I went in to the bank the following day to follow up on the process, what to do next, I filed a police report. The bank manager gave me very little information, just that investigation take 120 days and that I will not have access to my money until they are done. I can't pay my bills, I can't get a hold of the Fraud Department to get a update, they provided me a fraud department phone number that only take voicemails and no one calls me back. I have taken the rest of my money out that bank, went to another bank, did not want to loose anymore money, I am having difficulty paying my bills, and have no communication with what is going on, or what the hold up is on this investigation. The bank manager was rude as I was insisting more info, says that Fraud department is taking care of it, the Fraud Department that I can't reach a person. I tried to contact Corporate, there is no contact number for them, only a customer service number, which i called all they did was noted my file. It has been 1 week, I don't have access to my money, I don't have contact person to follow up on, I feel doubly violated, want clear time line, expectation and status of my Fraud Claim. {$4000.00} is lot of money to with hold from a consumer with no contact person to have communication on status. Please help, i need a voice. Police Report Fraud # XXXX with XXXX XXXX from XXXX XXXX
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXXXXXX XXXX XXXX XXXXXXXX. Please update this account ASAP.
Consumer complaint received 2022-06-08
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. (TN)

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

Please have Equifax and XXXX update my XXXX 's account to reflect no late payments. Attached is a copy of my XXXX report dated today, showing that there are no late payments on this account. Thank you
Consumer complaint received 2022-08-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2022 I received an email from XXXX XXXX for an unauthorized service. During the conversation with XXXX XXXX with this company, he made a {$35000.00} wire transfer to my account and later said it was an error and that I URGENTLY needed to go to Wells Fargo to wire the money back. Upon getting to Wells Fargo XXXX XXXX greeted and helped me at his desk. He allowed me to make this transfer back to XXXX XXXX WITHOUT ever checking my 40+ years of banking history and following protocol to protect their XXXX customers. My daughter went to speak with XXXX personally on XX/XX/XXXX, and ADMITTED to seeing all the red flags with this transaction but STILL failed to protect his customer and allowed the wire transfer to be completed to a bank in XXXX. I have spoken with a previous Chief Executive Manager of Wells Fargo and she has even said Protocol was not followed to protect me. I have banked with Wells Fargo for over 40+years and have NEVER made an international wire transfer and if PROPER PROTOCOL WAS FOLLOWED THIS TRANSACTION WOULD HAVE NEVER HAPPENED
Consumer complaint received 2022-08-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX was able to delete this debt. What are you showing that proves and keeps you from deleting this debt? If you can not show me then you must follow suit and delete this debt as well. Also in accordance with The Fair Credit Reporting Act XXXX XXXX Account # XXXX has violated my rights. 15 US C 1681 Section 602 A states I have a right to privacy. 15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I didn't give written permission. They didn't do a fair investigation. Everything was not 100 % accurate.
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX continues to have problems with their system were you can't submitted or provide proof of inaccurate information. 
XXXX continues to over look information that was provided as proof of reporting inaccurate information. 
XXXX is destroying me and family life by not fixing inaccurate report At this point I've submitted XXXX Dispute against ( XXXX XXXX XXXX ) XXXX YOU MUST FOLLOW FEDERAL LAW 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
PROHIBITION : a law or regulation forbidding something
Consumer complaint received 2023-05-08
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)

I have become a victim of identity theft. I contacted the Federal Trade Commission & credit bureaus XXXX, XXXX, and equifax and filed a FTC complaint which is attached. There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship. 

Please be aware all required documentation is within this complaint and has been Faxed and mailed via Certified mail to the credit bureaus XXXX, XXXX, and equifax. 

In addition, I demand the following fraudulent accounts be deleted from my credit report immediately. 
Please remove it from my credit report or Im seeking litigation please delete. 

I demand the following fraudulent accounts be deleted from my credit report immediately. 
Bank Name : XXXX XXXX  Date of inquiry : XX/XX/XXXX Bank Name : XXXX XXXX  Date of inquiry : XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please block and/or remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 

Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am submitting this complaint against Equifax regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/XXXX, I discovered discrepancies in the following account ( s ) : 1 ) Account Name XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Disputed Information : there are inconsistencies among the three credit bureaus regarding the account number, last activity, time 30/60/90 Days Late and amount past due. 
2 ) Account Name : XXXX XXXX XXXX Account Number : XXXX Disputed Information : there are inconsistencies among the three credit bureaus regarding the account number, last activity, status and account details Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1.Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. 
2.Section 611 : Right to dispute inaccuracies and request investigation.

3.Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4.15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Equifax has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute. 
Additional Information : Attached documents : letter XXXX, Proof of Inaccurate, ID, Bill, SSN
Consumer complaint received 2023-05-08
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: Bread Financial Holdings, Inc. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/2023 Dear, XXXX, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following items : Party Owed : Comenity Bank/Victorias Secret Amount : {$32.00} I am disputing this claim due to : My payment was never late and this false information is damaging my credit. This is my official request to have the aforementioned item to be deleted off my credit report. Enclosed may be additional evidence to support my claim. Sincerely, XXXX XXXX
Consumer complaint received 2022-06-22
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: SYNCHRONY FINANCIAL (NY)

I am writing to dispute the following information in my file SYNCB/TJX CO Dual card XXXX bank hard inquiry on XX/XX/2021 ( reporting to XXXX ) XXXX and as a result I would like this inquiry to be removed from my credit file to adequately reflect my true score. 

There were no actions taken by the company, they requested the CFPB provide them with my name and telephone number to further research this case.
Consumer complaint received 2022-07-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Aqua Finance, Inc. (CA)

On XX/XX/XXXX I called the company to pay off my loan ; they took my information and we agreed for the final payment to be taken out of the same account my auto payment had been for the past few months ; payment was processed and I received the email confirmation. On XX/XX/XXXX the payment had not been deducted so I called to see what the issue was ; they claimed the employee who processed the payment hit a wrong number so it did not go through ; they attempted to charge me additional interest for payoff until I raised a storm cause it was there fault ; the agent backed off and went back to the same payment from the XX/XX/XXXX days. The payment has still not gone through and I have the funds in the account waiting. I want them to take the payment so I can be done with them ; but they are making it very difficult and I feel its game to just collect interest
Consumer complaint received 2022-06-08
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. (LA)

In accordance with the Fair Credit Reporting Act Account # XXXX ( XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXX XXXX XXXX XXXX, Account # XXXX ( XXXX XXXX ), Account # XXXX ( XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXX  ), Account # XXXX ( XXXX XXXX XXXX ), Account Number XXXX XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXX XXXX ), Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX ( XXXX XXXX XXXX XXXX ) have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-06-08
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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
Consumer complaint received 2022-06-08
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 XXXX  Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX  XXXX, Account # XXXX XXXX XXXXXXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

IN ACCORDANCE WITH FAIR CREDIT REPORTING ACT XXXX  ACCOUNT BELOW HAVE VIOLATED MY RIGHTS. 

XXXXXXXX XXXX XXXX REPORTED ON XX/XX/XXXX {$140.00} XXXX XXXX REPORTED ON XX/XX/XXXX {$100.00} XXXX XXXX XXXX  REPORTED ON XXXX XXXX, XXXX {$930.00} XXXX  XXXX XXXX REPORTED ON XXXX XXXX, XXXX {$210.00} XXXX XXXX REPORTED ON XXXX. XXXX, XXXX {$1300.00} 15 U.S.C 1681 SECTION 6O2 A. STATES I HAVE THE PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (PA)

Attempted to access my Equifax consumer report via annualcreditreport.com but encountered some issues. Please view error message via screenshot attachment. I have rights to the disclosure to me my consumer file pursuant to 15 U.S. Code 1681g ( a ) ( 1 ). I want a copy of my consumer FILE via mail from Equifax.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED MORE ACCOUNTS BEING REPORTED THAT I HAVE NO KNOWLEDGE OF, NOR DID I GIVE PERMISSION TO BE FURNISHED TO MY CREDIT REPORT. 

I'VE CONTACTED THE CREDIT REPORTING AGENCIES REQUESTING THESE ACCOUNTS BE VERIFIED AND THEY ARE UNVERIFIABLE. THESE ACCOUNTS BEING REPORTED TO MY PROFILE ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN CREDIT. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-28
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. (NY)

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 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 XXXXXXXX XXXX : # XXXX XXXX has violated my rights. 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 2022-07-11
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. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX AV XXXX, NY XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$8000.00}, XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$500.00}, and XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$1500.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.