davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Account status incorrect
Company: EQUIFAX, INC. (AL)

Over the past several months I have requested that Equifax provide proof of various issues i had reporting on my report. the latest report as of XX/XX/18 still states the mis-reported information as well as, a report from XX/XX/18, various mistakes in reporting are noted and pointed out and Equifax updated the information that I had found wrong and then added to the time that it will remain, then inform me that unless i send a different letter that Equifax will not look in to there mistakes. It is not fare no legal that due to there mis reporting and unable proof to provide the information i had requested for well over the allotted time needed. the accounts remain and more have been added. also various medical accounts appear as well and i know that is a HIPPA violation. I am not sure as to why nor understand the reasoning behind Equifax unwillingness to admit there mistakes and remove the accounts and failed to accept my consumer complaint OR the INCORRECT ADDRESS was reported, EITHER a clear infraction of the requisite conditions of reporting which is to include ONLY TRUE, FAIR, ACCURATE, and COMPLETE COMPLIANT REPORTED DATA. In the LEAST, this item is NOT REPORTED ACCURATELY Surely it is, as such it is unlawful and mandates assert the proper resolution is to eradicate the deceptive reporting so delete today, here and now please. Wrong address was displayed therefore the reporting is DEFICIENT of legal standing to report and to retain is unlawful and a dereliction of adequate mandatory certified compliant reporting of allegations of delinquent and or derogatory consumer information, TRUE or NOT! I DO NOT DISPUTE the reality of the account reported YET experian refuses to REMOVE the claim I dispute it. PLEASE EXTINGUISH the " DISPUTE '' remark OR present regulatory requisites that suggests a mandate to retain a dispute statement OUTSIDE the consumer 's CLAIM of NOT DISPUTING. What gives experian, exactly, the RIGHT to retain despite an absence of consumer dispute or an authorization from consumer to suggest it is in dispute? CERTIFY the nature of any CURRENT DISPUTE or else eradicate. It is UNLAWFUL for any entity in credit to be deceptive or unfair. CLEARLY this is equifax misbehaving illegally and must act to remove a claim of aimed
Consumer complaint received 2018-06-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: POPULAR BANK (CA)

I opened a savings account with XXXX XXXXXXXX XXXX on XX/XX/XXXX. The bank started to deny all forms of withdrawals from this account since XX/XX/XXXX. I called their customer service line, only to be told that they put in place a retroactive 60 day account hold on all new accounts. There was no email notification of this new policy, just a popup if you happened to try and log in to your account. Customer service told me I needed to email them a copy of statement or voided check to prove ownership of the recipient account for the transfer. I email them the statement on XX/XX/XXXX, but was told it would take 3 business days to release the hold. As of today ( XX/XX/XXXX ), I am still unable to make any withdrawal in any form. I called their customer service again, and they could not provide a valid reason.
Consumer complaint received 2024-10-23
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. (GA)

Hard Inquires on XXXX XXXX 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
Consumer complaint received 2024-10-23
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. (AR)

I HAVE NOT SUPPLIED PROOF UNDR THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGLEHARDT V GRAVENS ( MO ) 281 SE 715 719, I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT IN FACT IS MINE. PLEASE REMOVE THESE FRAUDLENT INQURIES FROM MY CREDIT FILE
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UNITED STATES MINOR OUTLYING ISLANDS)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-23
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. (TX)

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-23
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. (TX)

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX. XXXX XXXX XXXX Original Creditor Name XXXX XXXX {$920.00} XXXX. XXXXXXXX XXXX XXXX {$20000.00} XXXX. XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX {$1200.00} XXXX. XXXX XXXX {$640.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
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. (CA)

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 2024-10-23
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. (GA)

Per FCRA as a federal protected consumer I am now opting out of any and all authorizations that I the consumer may have given you written, verbal, unwritten nonverbal per 15 USC 6802
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 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 2024-10-22
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 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 2024-10-18
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)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$940.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2018-10-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (MA)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2024-10-25
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. (TX)

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

On XX/XX/year>, I sent a debt validation letter via certified mail to XXXX XXXX XXXX ( XXXX ) requesting validation of a debt they claimed I owed. Instead of validating the debt as required under the Fair Debt Collection Practices Act ( FDCPA ), XXXX transferred or sold the debt to XXXX XXXX without providing the necessary validation. 

15 U.S.C. 1692g ( Debt Validation ) : Under this section, once a consumer disputes a debt in writing or requests validation, the debt collector must stop all collection activities until they provide verification of the debt. Selling or transferring the debt without providing validation violates this provision.

15 U.S.C. 1692e ( False or Misleading Representations ) : This section prohibits debt collectors from using any false, deceptive, or misleading means in connection with the collection of any debt. Transferring or selling a debt without validation may be considered misleading and deceptive conduct.

I have not received any validation of this debt from XXXX, yet they have transferred it to XXXX XXXX for collection. This is a violation of the FDCPA, which requires that all collection activities stop until the debt is properly validated.

I have proof of the certified mail receipt that I will upload to support my claim.
Consumer complaint received 2018-10-23
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: BANK OF THE WEST (CA)

I have a hard credit inquiry from Bank of the West on my XXXX and XXXX  credit reports and I never signed anything authorizing them to run my credit. 

I am seeking the removal of the inquiries from both credit bureaus.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I have been a victim of identity theft. My information was used fraudulently and as a result I am seeing items on my report that I never was associated with. I filed an ftc report as I was instructed to by Experian. I have sent in this report but these fraudulent items still remain.
Consumer complaint received 2024-10-27
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. (NJ)

IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic information, pursuant to, The Privacy Act of 1974 is a federal law that protects individuals from the misuse of their personal information by the federal government. The act 's main goals are to balance the government 's need for information with the rights of individuals to privacy. The Privacy Act of 1974 : Protects individuals : The act protects individuals from the collection, use, maintenance, and disclosure of their personal information. Requires notice : Agencies must notify the public of their record systems. Requires consent : Agencies can not disclose an individual 's record without their written consent. Provides access : Individuals can request access to and changes to their records. Establishes record-keeping requirements : The act sets forth requirements for how agencies keep records. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 usc 1681 section 602, states 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 usc 1666 ( b ) a creditor may not treat a payment on a account under an open and consumer credit plan as late for any purpose. Also 15 USC 1602 ( P ) Hard inquires
Consumer complaint received 2021-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

Hello, My name is XXXX XXXX I am contacting your guys to share my extremely stressful and unpleasant experience with JPMorgan Chase Bank. XX/XX/2021 just like any other patron of the bank I deposited {$1200.00} ( plus more * can not remember exactly dollar amount ) into an ATM machine located in XXXX XXXX XXXX neighborhood. ( XXXX XXXX XXXX XXXX XXXX, IL XXXX ) I insert the bills into the machine, I could hear the machine close and counting the money as I waited patiently. Shortly after I was issued a receipt that read To be sure your deposit went through please call XXXX. XXXX The receipt is also timed stamped, date of transaction, and a transaction number. 

The branch Manager came to assist me instantly, he noticed that the ATM had not deposited the funds and sat with me while I opened a claim over the phone with the claims department. He insured me that it would be taken care of and that his branch had 3 days to respond to the claim and preform an audit on the ATM machine is used that day. I was told it would take 24-48 hours to have a temporary credit issues to my account that never happened in fact I called in they said theres nothing they could do at the moment and insured that my situation would be taken care of bare with them for just a few more days. 

Here we are, XX/XX/2021 a week since the incident happened, I received a message from Chase stating that there was no transaction posted to my account, they could not find the money and theyve closed my case. I am in shock, stressed and unsure what to do at this point. Im unsure how they are allowed to do this to customers without any repercussions behind it. I am currently late paying rent due to this mishap, and late fees have also incurred. Arent there cameras located at the branch to prove I took the money out of my hand bag and placed it in the machine? I have so many unanswered questions. Please if theres anything you could do to have my story heard please let me know. This is completely wrong and unfair.
Consumer complaint received 2021-11-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc. (OK)

To whom it may concern : This complaint is about an inaccurate collections accounts on my XXXX and XXXX credit reports. I have contacted both XXXX XXXX and The Bureaus Inc. in the last 12-months I have contacted both companies multiple times regarding their inaccurate reporting, each time Ive received a response with a printout of a bill, stating the account was verified and meets FCRA. 
The XXXX XXXX account that these collection agencies allegedly verified as mine and both companies are reporting this derogatory account to the credit bureaus. Why is this alleged XXXX XXXX account NOT listed on ANY of my credit reportsONLY the collection account? 
FYI a printout of a bill or itemized document does not constitute verification. I am making a final goodwill attempt to clear up this matter. The listed item is inaccurate and represents a very serious error in your reporting. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay XXXX XXXX XXXX, XXXX or The Bureaus, Inc the alleged amount owed.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.