davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-08
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. (LA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXXXXXX, XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXXXXXX XXXX  XXXX XXXX Balance {$440.00} XXXX XXXX XXXX XXXX Balance {$860.00} XXXX XXXXXXXX Balance {$200.00} Inquiries : XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXI Inquired on XX/XX/XXXX XXXX - XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-02-05
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. (NC)

XXXX XXXX, I send a letter to the courthouse asking do the report bankruptcies to credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody ''. 
So if that's the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. 
They never did a fair investigation according to 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others whom he is acquainted or who may have knowledge concerning any such items of information, However, such information shall not include specific factual information on consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from creditor of the consumer from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given right 15 USC 1681.

According to : 15 U.S.C. 1681 section 602 A. State I have the right to Privacy.
Consumer complaint received 2024-02-05
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account 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 I t also states a consumer reporting agency can not furnish an account without my written instructions..
Consumer complaint received 2024-02-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Continental Services Group, Inc. d/b/a ConServe (FL)

i have dispute this item on my credit report 30 days ag0. did show me any results. this account is tarnishing.my consumer report. the investigations took well over the investigations. I HAVE THE RIGHTS OF PRIVACY. 1681AI 1681B 1666B 1692C PLEASE REMOVE ACCOUNT FROM CONSUMER REPORT.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I have Contact equifax, XXXX, XXXX, XXXX XXXX XXXX college agency Due FTC Identity Theft Report and inaccurate information on my credit profile, I specific told all these thirty party Agency to Removal collection, charge off inaccurate addresses inaccurate name, and current Employer due to FTC Identity Theft Report.
Consumer complaint received 2024-02-05
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. (NC)

There are several Credit card accounts and one person loan account that exist on my credit report that I didn't open, nor do I have knowledge of. This is obvious Identity Theft. I have contacted XXXX by mail, online, and over the phone to try and resolve this Identity theft, several different times over the course of one year and a half. I DID NOT OPEN THESE ACCOUNTS, NOR DO I HAVE KNOWLEDGE AS TO WHO DID. I have attached my Federal Trade Commission Affidavit, as well as a Police report from my local police station, along with the detectives information thats handling the case. I have also contacted the FBI and filled out a report, along with contacting Home Land Security. I sent copies to the Attorney General of my state which is North Carolina.
Consumer complaint received 2022-02-16
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. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Consumer complaint received 2019-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NV)

XX/XX/2019 my XXXX my Equifax my XXXX  reporting wrong an inaccurate info and unverified info that's not my. name, address, number, and unverified account information
Consumer complaint received 2021-12-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: ALLY FINANCIAL INC. (CA)

I deposited a California stimulus check using e-deposit on or about XX/XX/21. I endorsed the check electronically because I am XXXX and a senior citizen. 

Ally bank locked my account to investigate fraud. 

They said the funds would be release in a week then a month. I don't why they keep lying to me I have called the bank at least 5 times but they will not let me talk to the investigator. They keep saying she will get back to you but she never does. 

As I said I am a XXXX senior citizen and I need my money to for medicine, food and rent. 

I have not done anything illegal and no one will help me. 

Please contact them ASAP, I am sure this will solve my problem.
Consumer complaint received 2021-12-08
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: LEXISNEXIS (MN)

I would like for you to please send me all relevant documents that was used with XXXX XXXX and XXXX when you claim and or took it upon yourself to notify and or what I believe you personal are using their reports! Illegally! What I will need from you is a copy of my dispute asking you to contact XXXX XXXX XXXX on my behalf to initiate any disputes with any of the XXXX? They dont even show what was specifically asked of you to dispute like your credit report so explain to me as to why you would even notify them! Lexisnexis I use the CFPB for specific reason and every single dispute or complaint has been uploaded here so I know you are doing false credit reporting and Im tired of the runaround with your illegal and violations!! 
Under Under 15 U.S.C. 1681i ( a ) ( XXXX ) ( A ), the FCRA requires consumer reporting agencies ( or CRAs ) to conduct a reasonable reinvestigation to determine whether disputed information in a consumer 's file is inaccurate.show me the facts I want to see that you actually did a reasonable investigation this mean go to the sources ask questions get and prove physical verification! I want you to show me! I shouldnt have send you information and you turn around and sell my information thats not completely verifiable and accurate! No sir XXXX XXXX! If you want to keep reporting that for the next 10 years you are going to have to show me you your hard work and effort in order to keep reporting this!!! Show the fact please and I will leave you alone!! But until you do we will go to XXXX and back if you think Im going to back down!! 
Thank you XXXX XXXX
Consumer complaint received 2024-02-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (FL)

I have never received a notice to dispute the debt in question, and despite reaching out to the concerned party four times, I have yet to receive satisfactory validation that the debt is indeed mine. I possess certified mail receipts as evidence of my attempts to communicate with them. Regrettably, each time I sought information or validation, my requests were either ignored or met with insufficient responses. Despite my efforts to rectify the situation, they have persistently refused to remove the disputed debt from my credit report. This lack of cooperation is not only frustrating but also raises concerns about the accuracy and legitimacy of the reported debt. I am determined to resolve this matter and seek the removal of the disputed entry from my credit report, as it is impacting my financial standing unfairly.
Consumer complaint received 2024-11-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: WELLS FARGO & COMPANY (TX)

Subject : Complaint Regarding Wells Fargo 's Failure to Process Automatic Payment To Whom It May Concern, I am writing to formally complain about Wells Fargo 's failure to execute an automatic payment I had scheduled for the XXXX of this month. Despite setting up my account for automatic payments, the transaction was not completed as instructed. This failure to process the payment has caused significant inconvenience and financial concern. 

I am particularly concerned that this issue may indicate a systemic failure or deliberate misconduct, as such lapses could be used to generate unwarranted late fees or other charges. This practice, if intentional, is unacceptable and could be considered a method of financial exploitation. 

I have attached supporting documentation, including a screenshot showing my automatic payment setup, to substantiate my claim. I request an investigation into this matter and appropriate action to ensure Wells Fargo rectifies this issue promptly. Additionally, I ask that any fees or penalties incurred due to their failure be refunded immediately. 

Thank you for your attention to this matter. 

Sincerely, XXXX
Consumer complaint received 2021-12-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (IN)

I received an email that my Coinbase account has suspicious activity. So I took the steps Coinbase recommends and paused my account. Now when trying to reactivate my account I am unable to login, receive password reset links to my email, or receive emails from Coinbase in general. I opened tickets as well as spoken with customer service representatives, but no one has been able to help. I would like to regain access to my account. Thanks in advance.
Consumer complaint received 2024-02-05
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 formally file a complaint against EQUIFAX located in XXXXXXXX XXXX ; XXXX located in XXXXXXXX XXXX and XXXX located in XXXX, XXXXThis company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, resulting in significant financial and emotional distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim as per the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this issue over the past several months, EQUIFAX, XXXX AND XXXX have consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of this XXXX bureaus namely EQUIFAX, XXXX AND XXXX have inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PENTAGON FEDERAL CREDIT UNION (FL)

consumer applied for a personal loan with pentagon federal credit union as a federally protected consumer I have notified the credit agencies XXXX, XXXX and XXXX I opt out of the reporting of my payment history -personal information excluded from the consumer report per congress per 15 USC 6802 ( b ) ( 1 ) ( B ). 15 USC 1681a ( 2 ) ( A ) ( i ) ACCORDING TO CONGRESS TRANSACTIONS AND EXPERIENCES ( PAYMENT HISTORY AND UTILIZATION ) BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT ARE EXCLUDED FROM THE CREDIT REPORT under 15 USC 6802 PENFED IS AN FINANCIAL INSTITUTION XXXX IS THE UNAFFILIATED 3RD PARTY THE PROPER DISCLOSURES REQUIRED BY FEDERAL LAW WERE NOT GIVEN BEFORE THE DISCLOSURE EVENT NOR WAS I THE CONSUMER GIVEN THE OPPORTUNITY TO EXERCISE THE NON DISCLOSURE OPTION15 USC 6802 ( b ) ( 1 ) ( 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. PENFED HAS FAILED IN GIVING THE CONSUMER THE OPPORTUNITY TO DIRECT THAT SUCH INFORMATION NOT BE DISCLOSED TO SUCH THIRD PARTY OR EXPLANATION OF EXERCISING THE NON-DISCLOSURE OPTION. PLEASE REMOVE PENFEDS REPORTING ITEM ON THE CREDIT REPORT I DO NOT CONSENT AND WILL NOT CONSENT TO SUCH REPORTING OF MY PERSONAL INFORMATION
Consumer complaint received 2024-02-05
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. (AZ)

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DEPTEDXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DEPTEDXXXX  Account Number : XXXX Delete this account. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy DEPTEDXXXX Account XXXX : XXXX Delete this account. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy DEPTEDXXXX Account XXXX : XXXX Delete this account. 

7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DEPTEDXXXX Account Number : XXXX Delete this account.
Consumer complaint received 2021-10-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (MI)

To let it be known once and for all and finally the truth to come from JP Morgan Chase Bank, NA XXXX XXXX or her representatives at JP Morgan Chase located at XXXX XXXX XXXX Mail code XXXX XXXX, LA XXXX XXXX. XXXX XXXX That you are aware that XXXX XXXX committed fraud when he conned me to move out XX/XX/XXXX and never got clear title with XXXX XXXX  or neither XXXX XXXX XXXX XXXX XXXX. That you are aware of FTC # XXXX FILED XX/XX/XXXX and my letter sent to MERS on the matter. That you can confirmed I spoke to an representative female from the FTC on or around XX/XX/XXXX advising me to call chase lien release dept. and " ASK THEM WHAT THEY WILL DO FOR YOU ''. That upon that call two female employees apologized for what XXXX XXXX had done to me and promised me a Discharge of Mortgage on the property and congradulate me on a paid up loan for XXXX. That you are aware no foreclosure sale were made to MERS FOR XXXX. That you are aware of or can look up the records that upon my call to chase executive office XX/XX/XXXX and my discussion with XXXX he said, XXXX XXXX I AM LOOKING AT THE SYSTEM AND YOUR LOAN NEVER WENT INTO FORECLOSURE STATUS AND IS IN LATE PATYMENT STATUS NOW. Loan no. XXXX MIN XXXX and evidence of my trust account with the OCC as case XXXX then notice dated XX/XX/XXXX dept. of treasury as claim id. XXXX and notice from chase on XX/XX/XXXX as my claim as claim no. XXXX. Please Investigate.
Consumer complaint received 2024-02-05
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)

I reviewed my consumer reports and noticed that i had two late payments on two accounts that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/year>, XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>