davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$160.00} XXXX  XXXX XXXX XXXX Balance : {$730.00} XXXXXXXX XXXX XXXX Balance : {$770.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2100.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$110.00} XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX XXXX Balance : {$45000.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-09
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-09
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. (MD)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-09
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)

This is my Follow-up 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. 
Please remove the following items : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-09
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. (HI)

credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

Account ( XXXX XXXX XXXX ) According to 15.USC 1681i ( 1 ) the Credit bureaus have to modify or delete accounts that are nor reported accurately According to 15 1681 ( 1 ) the Credit bureaus don't have no written permission According to 15 USC1681s-2A a person shall not furnish any information relating to a customer to any customer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and conformation of errors A person should not furnish relating to a consumer to any consumer reporting agency If- The person has been notified by the consumer, at the address specified by the person for such notice that specific information is inaccurate. 

I can go on and on The Credit bureaus no respect for laws. 
Someone needs to hold them accountable for this.
Consumer complaint received 2023-06-09
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)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$970.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX Balance : {$6900.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXXXXXX XXXX Balance : {$5800.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$7200.00} ; XXXX XXXXXXXX XXXXXXXX Balance : {$3300.00} ; XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$9000.00} ; XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$2500.00}.
Consumer complaint received 2023-06-08
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: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX I am writing to formally request the deletion of certain negative account from my consumer report, which has been reported by XXXX XXXX XXXX XXXX ( account # XXXX ) without my explicit consent to your agency, which fall under non-affiliated third parties. I have also noticed inaccuracies in the reporting of a charge off regarding this account. According to the FCRA, credit reporting agencies are responsible for maintaining accurate and up-to-date information. These entries violate the provisions outlined in the Fair Credit Reporting Act ( FCRA ), specifically : XXXX USC 1681a ( 2 ) ( a ) ( i ) - ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report 15 USC 6802 - Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) Opt out ( XXXX ) In XXXX XXXX XXXX XXXX not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 USC 1681 Section 604 A Section 2 - A consumer reporting agency can not furnish an account without my written consent.

15 USC 1666b - A creditor may not treat any payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2023-06-09
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. (NC)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-08
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: FirstCredit, Inc. (NC)

After receiving medical care that shouldve been covered by my insurance at the time, I received multiple calls a day from a automated system claiming to be a collection agency other than XXXX XXXX. I have recieved bills in the mail from a 3rd party company. I dont think this is a legit bill and that my information is being used by a different company. I fear that my personal information has been shared and my HIPPA rights have been violated.
Consumer complaint received 2023-06-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (PA)

I have inaccurate charges on my account the guy read the payments seen that they werent right then got angered and wouldnt give name or Id I have it recorded I have all paperwork of previous people who handled matter and it was placed on my credit after it was supposed to be token care by Hyundai finance
Consumer complaint received 2023-06-08
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: 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. 
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name XXXX XXXX XXXX, Account name : XXXX XXXX, Account name XXXX XXXX XXXX, Account name : XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 
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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2015-10-22
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO. (OH)

XXXX XXXX XXXX XXXX Charges a $ 95 yearly fee in exchange for XXXX free checked bag on XXXX XXXX when a reservation is made using the card. 

I made XXXX XXXX airline reservations online and discovered the card had expired. I had not been sent a new one. I had to use a different credit card so I will have to pay the XXXX baggage fees. I called the company and was told it was up to me to keep up with when the card expired.
Consumer complaint received 2023-06-03
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. (KY)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-06-03
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. (PA)

I checked my consumer report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My consumer report lists the following issues/accounts as needing investigation and correction due to inaccurate reporting in my file. Ive sent letters including my FTC report to Equifax on XX/XX/XXXX tracking XXXX. Equifax refuse to investigate. I sent in a reinvestigation request and along with debt validation XX/XX/XXXX and XX/XX/XXXX tracking XXXX and XXXX Equifax still have not sent me any documents including my signature to verify these accounts. The account are listed below. Please send me proof of debt with my signature or remove these inaccurate accounts from my consumer report. Here are the accounts I need investigated and validated accounts XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX
Consumer complaint received 2023-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc (FL)

My account got frozen while I was trying to pay my rent, now I can't use the account for anything, my money is there and I can't pay my rent. The Company does not solve it and does not say how I can solve it, I have called numerous times and always the same response from robots attendants saying that I need to wait for the specialist to analyze the account and this can take up to 10 days! Like this? Will they keep my money for 10 days? I want my money!
Consumer complaint received 2023-06-03
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. (NC)

Creditor : XXXX, Account : XXXX Reason : Last active dates are inaccurate between all 3 bureau 's. please delete. Late payments are not correct. I am not 60 days late on this account. That's inaccurate and needs to be deleted. I was Never late
Consumer complaint received 2023-06-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

on XX/XX/2023 i transfered XXXX to my savings account. When i woke up on XXXX i checked my account and noticed that it only showed that i have a checking account. I called the bank and was told that they closed my savings account because it was negative XXXX and to go to a local branch to withdraw the money. I went to the branch and was told there was nothing that could be done and to call customer service. I have been calling the customer service and i keep getting the run a round and was told it could take up to 2 weeks to get my money back. My rent is past due and my landlord has started eviction proceedings. I have sent the bank the emails from my landlord and have called everyday to get some assistance in getting my money so i can pay my rent. i dont know what to do. I have reached out on social media. I have called the corporate office. I have small children and have no money to feed my children. My checks are bouncing because my money is stuck in limbo somewhere. but Wells Fargo will not do anything about giving my money back to me.
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MS)

Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, XXXX, & Equifax didn't make sure it was reporting 100 % correct. 
In accordance with the FCRA and Metro 2 compliance reporting standards.

Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that XXXX, XXXX, & Equifax have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Consumer complaint received 2023-06-05
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 the fair credit reporting act XXXXXXXX account # XXXX, XXXX, XXXX, XXXX, has violanted my rights. 

15 US 1681 Section 602 states I have a right to privacy.

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

15 US 1666B : A Creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-06-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Zions Debt Holdings (WA)

I talked to XXXX  XXXX when I was moving from my apartment in Nebraska and had the alarm system turned off and returned. I also closed the account as well with the company and the police department who also monitored the alarm system. 

The debt with the company was disputed with all 3 credit bureaus upon receiving it about 2 & 1/2 years ago and was removed from my credit report. The account was closed in XXXX, XXXX  in XXXX, and the equipment returned. The collection stated the account was opened in XX/XX/XXXX which is fraud and incorrect. I have not had an alarm system in over 9 years, and have not lived in XXXX, XXXX since XXXX It appears the company keeps passing the bill to different companies and then they don't contact me but put it back on my credit report. When I pulled my credit report in XXXX and again in XX/XX/XXXX this collection was not on there. The company XXXX XXXX has sent this bill to two companies as well that stated I opened up an account with them in XXXX which I have not. This current one states the account was opened XX/XX/XXXX and it was not, which is fraud. the account XXXX as closed in XXXX. The current company name is Zions Debt Holdings which I have not received any notice from at all regarding rehashing the collection bill. There was anotheer company who hasd this same collection bill and was removed after much persistence. Now other companies checked my report XX/XX/XXXX : XXXX, & XXXX. Another company XXXX XXXX XXXX XXXX XXXX opened up an account in XX/XX/XXXX in my name for XXXX which was not my account as well. I keep having to dispute these charges on my account lately which I submitted to XXXX again but they have not taken it off my credit report. They sent an email stating they received the dispute information was accurate but left the charges on. This happened the last time as well, and I keep having to fight to get these things taken off of my credit account. 

I don't have an alarm system by XXXX XXXX and it should be taken off of my account for good. This keeps popping up even after being taken off before, and is really causing me some problems on my credit report. Please advise.
Consumer complaint received 2023-06-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (NJ)

This company needs to learn to decline transactions as a customer for 15 years they are about to lose. they hit me with 4 overdraft fees. 2 of them over a {$10.00} transaction and a {$5.00} transaction. They have declined me for every credit product since the account was opened. I've reached a breaking point with them.
Consumer complaint received 2023-05-31
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: EQUIFAX, INC. (AZ)

XXXX XXXX, XX/XX/XXXX - XXXX original credit limit was only {$300.00}. The account reports a payment of {$60.00} on XX/XX/XXXX and shows the account was in good standing in XX/XX/XXXX. It is reported as 30 days late in XX/XX/XXXX and 90 days late in XX/XX/XXXX. It does not report the final payoff or closed date. 

XXXX Mortgage XXXX XX/XX/XXXX. Does not report payment history from XX/XX/XXXX to XX/XX/XXXX. The mortgage was in forbearance due to XXXX XXXX and was modified in XX/XX/XXXX. The payments were not late as the account was in forbearance. 

XXXX Mortgage XXXX XX/XX/XXXX - This Account was refinanced after divorce and this should have been closed as of XX/XX/XXXX. See account right above for clarification, new loan was opened in individual name in XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XX/XX/XXXX- This account was refinanced with XXXX Mortgage services in XX/XX/XXXX. There were never any missed payments.