davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-27
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. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
# XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-09-27
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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2018-10-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Placement Services, LLC (WI)

Made complaint about Professional Placement that they were reporting inaccurate information that is negatively impacting my credit score. They admitted they did not possess the documentation to validate the debt and admitted they are knowingly reporting an inaccurate account opening date. They are still reporting the information to the credit bureaus despite knowing that the information can not be validated upon request. PLEASE SEE ATTACHED LETTER
Consumer complaint received 2024-10-23
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. (PA)

I know I always pay on time, but I dont understand why XXXX being reported as late in some months. Under XXXX XXXX, any billing mistakes must be fixed, and my account updated to reflect on-time payments.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am writing to follow up on my CFPB complaint number XXXX filed XX/XX/2024 in which I requested that you provide a copy of the approved purchase agreement and proof of ownership of the account in question. As of today, you have failed to supply the requested documents, which is a violation of federal and state law. 
Under both the Fair Credit Reporting Act ( FCRA ) and relevant state laws, I have the right to request this information to ensure that the account on my credit report is accurate and legitimate. Your failure to provide the required documentation violates my rights as a consumer. 
I kindly request that you respond promptly to this matter by providing the requested information. Failure to do so will leave me with no choice but to escalate this further with the appropriate legal authorities. 
Thank you for your attention to this important matter. I expect a timely response and resolution. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX Social Security number XXXX
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

The credit bureau and the collection companies have willfully violated my rights by not maintaining proper practices to ensure accuracy on my credit report. I sent the companies a 1692G ( b ) letter requesting specific information however they did not provide the information to me and instead they decided to willfully violate the Fair Debt Collection Practices Act. Thank you.
Consumer complaint received 2024-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (PA)

On XX/XX/XXXX, I received a text claiming to be the XXXX saying that a delivery could not be completed and I would need to pay for a redelivery. 
I clicked on the link on my phone and entered my card information. 
I now know it is a common scam tactic. 

The charge was supposed to be for XXXX cents but I immediately received an email from my bank saying my account was in low fund mode, and a charge of {$990.00} so I knew something was wrong. 

I headed straight to PNC bank to explain the situation and they removed the hold on the charge but said it might still post. It posted XXXX days later on XX/XX/XXXX. I disputed the transaction and waited while the bank investigated. I received a provisional credit in the meantime. I also headed to a local police station and filed a police report numbered XXXX. 

I received a letter today, XX/XX/XXXX, saying that the bank was going to debit my account the amount and the reason provided was because I authorized the transaction as the only explanation.
Consumer complaint received 2024-11-01
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. (FL)

I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report.

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the Equifax, XXXX, and XXXX data breaches, which makes me even more worried about how my personal information is being handled.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NJ)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-10-22
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)

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions XXXX XXXX XXXX XXXX  These account have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (VA)

I have asked several times for the validation of these accounts below and they just keep sending me notifications saying account verified but nothing else has been done about what I have asked for so I am going to seek damages for the numerous violations in the amount of {$1000.00} per violation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Debt Validation Request and Removal of Bankruptcies, XXXX account and chime account Dear Sir/Madam, I am writing to formally request validation of the XXXX bankruptcies listed on my credit report, as well as to dispute the reporting and validation of XXXX  and XXXX credit card accounts. According to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of any debts reported against me. Specifically, I refer to 15 U.S.C. 1692g, which mandates that a debt collector must provide verification of the debt upon request. 

The bankruptcies I am disputing are as follows : XXXX. Chapter XXXX Bankruptcy XXXX. Chapter XXXX Bankruptcy XXXX. Chapter XXXX Bankruptcy I request that you provide me with the documentation verifying these bankruptcies, including the details of the accounts involved, the dates filed, and the creditors associated with these filings. Should you be unable to provide this documentation, I request that you immediately remove all three bankruptcies from my credit report. 

Additionally, I am disputing the reporting and validation of the following accounts : - XXXX  Address : XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, MN XXXX - XXXX  Address : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX Please provide verification of these accounts as well. If you can not validate these debts, I also request their immediate removal from my consumer report. 

I expect a response to this request within 30 days, as mandated by law. Please be advised that I will be keeping a record of all communications regarding this matter. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> To : Equifax Information Services LLC, XXXX and XXXX XXXX XXXX XXXX : Request for Removal of Birthdate and Social Security Number Due to Identity Theft Dear [ Equifax XXXX XXXX XXXX XXXX ] Customer Support Team, I am writing to formally request the removal of my birthdate and Social Security number from my credit report due to concerns regarding identity theft and a recent data breach. My name is XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. 
The unauthorized exposure of my personal information has heightened my concern that keeping sensitive information, such as my birthdate and Social Security number, in my credit file poses further risks for potential misuse. To help safeguard my personal data, I kindly request that you remove my birthdate and Social Security number from my credit report. 
Enclosed, I have included documentation, including proof of my identity and relevant reports filed with the FTC, substantiating my identity theft concerns. 
Please confirm in writing once this information has been removed. For further inquiries, you may contact me at XXXX or via email at XXXX. 
Thank you for your prompt attention to this request. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I recently reviewed my credit report and was concerned to find several inquiries from your company that I do not recognize or recall authorizing. These unauthorized inquiries have caused me considerable stress, as they are negatively impacting my credit score
Consumer complaint received 2018-10-24
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. (MS)

The following informaiton belongs to someone else and should not be listed on my credit report. I am the victim of identity theft and I have reported this numerous times to the credit reporting agencies : XXXX/XXXX - fraud, XXXX - fraud, XXXX XXXX XXXX XXXX - fraud, XXXX  XXXX XXXX XXXX - fraud, XXXX XXXX   XXXX/XXXX - fraud, XXXX XXXX  XXXX - fraud, XXXX  - fraud, XXXX - fraud.
Consumer complaint received 2018-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (MD)

I paid XXXX XXXX {$5000.00} so that my account would be at a XXXX balance. But they are still saying I owe them money. They took my money and wont give me credit for it
Consumer complaint received 2022-09-27
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: Self Financial Inc. (IN)

In accordance with The Fair Credit Reporting Act, the creditor has violated my rights under 15 USC 1681. Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions Under 15 USCS 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 2024-10-24
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)

Request for Investigation of Identity Theft and Data Breach. I learned that my personal information was compromised during a data breach on XX/XX/year> at Equifax, and XXXX XXXX XXXX base, cybersecurity attack infecting nearly 3 billion people personal information as well as social security numbers. I am writing to formally dispute inaccuracies on my credit report due to identity theft and a recent data breach that has affected my personal information. I discovered that unauthorized accounts have been opened in my name, which I believe are a result of this breach. I did not provide written or oral permission/ instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 

The identified accounts are not information related to any transaction by me as the consumer. 

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
Consumer complaint received 2018-10-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Oliver Adjustment Co. (FL)

OAC reported two separate medical bills on my credit report 1. ) In the amount of {$50.00} from XX/XX/2016 2. ) In the amount of {$120.00} from XX/XX/2016. OAC tis trying to collect a debt they brought and is not licened or bonded to collect debts in the state of Florida.
Consumer complaint received 2024-10-30
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. (AL)

Ive recently got a copy of my credit report and noticed that there are two different companies that are reporting a balance for the same debt one the original creditor and a collection agency from my knowledge. This is called double Jeopardy and is illegal. Ive contacted both companies and still have not heard anything from either and its been over 30 day Period. With both of these accounts reporting claiming to be the original owner of the same debt is severely hurting my credit and could be possibly stopping me from getting credit offers in the future
Consumer complaint received 2024-10-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL (NY)

I am a victim of a romance scam. On XXXX XXXX XXXX I was coerced into sending four transactions, totaling over {$7500.00} to a woman in XXXX XXXX XXXX XXXX XXXXXX/XX/year> I realized that it was a scam and initiated disputes with Paypal. Paypal, within the same day, closed those disputes and sided with the scammer. Paypal did not perform an investigation and immediately sided with the merchant due to the money being sent by " Friends and Family. '' On XX/XX/year>, I initiated chargebacks with Synchrony Bank for the four transactions ( my credit card product is the Paypal Mastercard ). I am attaching various proof that I have sent to Synchrony Bank, including evidence of me being a romance scam victim. Over phone, a representative of Synchrony Bank indicated SOME OF THIS PROOF WAS SENT TO THE MERCHANT ( e.g., reports to the FBI and US Embassy in XXXXXXXX XXXX XXXX XXXX Synchrony Bank decided in the scammer 's favor. 

I re-opened my dispute. According to the terms and service of their agreement, they should have communicated to me in writing their decision. I have called repeatedly asking for updates on my disputes and requesting that they send documents indicating their decision making. I HAVE RECEIVED ZERO COMMUNICATION REGARDING THE DISPUTES FROM SYNCHRONY BANK ( the original ones in XXXX and the re-opened ones ). Today, I received a statement notification indicating that I am responsible for the fraudulent charges.
Consumer complaint received 2018-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Since XX/XX/XXXX, I have been reviewing and disputing inaccurate information reported by XXXX XXXX XXXX ( Home Equity ) on my credit reports with Experian, XXXX and XXXX. 

I am including a copy of the following XXXX credit report, File Number : XXXX, report date : XX/XX/XXXX. 

I am including a copy of the following Experian credit report, report number : XXXX, date of report : XX/XX/XXXX. 

I am also including a copy of my XXXX credit report, Items as of date reported : XX/XX/XXXX. 

The XXXX report shows that the " Pay Status '' CHARGED OFF, not closed. The report was last updated on XX/XX/XXXX, reporting inaccurate data, stating that the item will be removed on XX/XX/XXXX. The Maximum Delinquency of 120  days in XX/XX/XXXX and XX/XX/XXXX. 

Although XXXX XXXX XXXX is NOT reporting the complete payment history, the XXXX credit report clearly shows that the first 30 day late payment reported is XX/XX/XXXX. 


On my Experian credit report it shows the account status as closed and updated on XX/XX/XXXX, balance updated on XX/XX/XXXX, shows " ON RECORD UNTIL '' XX/XX/XXXX. 

XXXX XXXX XXXX  is NOT reporting the complete and accurate history, the Experian credit report clearly shows that the first 30 day late payment reported is XX/XX/XXXX. 

On my XXXX credit report it shows the account status as Charge off and updated on XX/XX/XXXX, shows " Date of 1st Delinquency '' as XX/XX/XXXX. 

The XXXX report shows the Account History with Status Codes back to XX/XX/XXXX, which clearly shows, from what I can tell without the full account history, the first 30 day delinquency. 

XXXX XXXX XXXX is NOT reporting the complete and accurate history, on any of my credit reports and is extending the reporting history and affecting the removal dates from all of my reports creating derogatory account information which is, 1. Defamation 2. Violation of the Fair Debt Collection Practices Act 3. Violation of the Fair Credit Reporting Act Per the FCRA, 611 - 15 U.S.C. 1681i, ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly DELETE that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

This is a clear violation of the Fair Credit Reporting Act and an illegal activity by XXXX XXXX Home Equity.