davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-01
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. (FL)

I discovered unauthorized inquiries on my credit report this morning and have no idea why they are there. When I checked my report, I expected everything to be normal, but I found these unexpected discrepancies. I even refreshed my browser, hoping it was just a temporary error, but they remained. Because of this, I am requesting that the documents Ive provided be reviewed carefully so that I can put this concern behind me.
Consumer complaint received 2019-02-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CO)

Wells fargo bank over drafted my account due to a fraud on XX/XX/XXXX and the XXXX. I didnt know untiil XX/XX/XXXX. I was not alerted. I was in the negative of XXXX i had and amoint of XXXX because i was moving my money yo another bank due to their lies and mistakes. I found out that someone used my account and left me in the neagtive. I reported it. I won my case but they used my credit or money i won to pay for the negative balance. I recieved a. Credit of XXXX but they used XXXX to put my balance back and it left me with XXXX they said i should be happy i won and that i can not dispute what they did. This wells fargo behavior is not a suprise but in the end i still paid with the money i got back. Please help me get this amount back.
Consumer complaint received 2019-06-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NJ)

Today XX/XX/2019 I was looking to buy XXXX XXXX tickets for their game tomorrow. On XXXX, under a XXXX XXXX XXXX XXXX post someone was selling tickets. I messaged the seller and he told me he had 4 tickets to the game for {$50.00}. I told him to drop the price and we got a deal for {$40.00}. This is the first time I used Pay Pal and he helped me send him the money. 5 minutes later he tells me to send him verification and he told me his computer is updating. I asked him to send me the tickets and he blocked me. To check if he was a scammer I opened a new fake XXXX under a differnt name and I asked him for 7 tickets and he told me he had that amount. He was very aggressive and wanted the money as soon as possible. On my personal XXXX account however, he blocked me and I was not able to send him messages. Off my fake account, I was able to send him messages. I contacted Pay Pal and they told me to file a report here. I tried contacting the receiver of my {$40.00} but he never responded.Attached below are all my documents. The pictures that are taken from the computer are from my actual account. I will also attach my transaction with my Pay Pal. The screenshots are my fake account trying to get in contact with him to prove that he was a scammer. I am really disappointed in the security of Pay Pal. My email for Paypal is XXXX. My phone number associated with this account is XXXX.
Consumer complaint received 2024-01-23
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. (WA)

A child support case was unlawfully opened In XX/XX/2010 No due process was given I went to department of social health and services and requested the summons and complaint, proof of injury in fact, proof of service, default and the judgment paper. I was only given proof of service. Which the address stated on the paper was not the current living address for me. And A copy of Certification Of Birth Record. I also went down to my local county clerks office to request the judgment paper and was told there was never a case opened against me, which again makes it unlawful according to 45 CFR 303.5 The division of child did not have my permission to report on my consumer report.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (OH)

XXXX XXXX XXXX XXXX XXXX Listed and incorrect account balance incorrect dates. The account is listed as open when they account is indeed close and the account is also listed as a charge off. 
This account is paid in full. See supporting documents.
Consumer complaint received 2019-06-11
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. (CA)

Please reverse the late payments reported on the following accounts : XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2019-06-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc. (NJ)

I'm in the process of cleaning my credit and came across this account in my file. It is saying I owe a debt to which I am unaware. Please provide validation via mail. 
1. Original contract with signature 2. Original bills with breakdown 3. Notarized copy of the purchase of debt 4. Copy of your bond and license to collect in my state.
Consumer complaint received 2024-01-24
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)

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.

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.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I am writing to dispute fraudulent accounts that have been illegally opened in my name. This matter is of the utmost urgency, and I demand immediate correction of my credit report. The following accounts were fraudulently opened without my consent ( see attachment ). These accounts are fraudulent, and I did not authorize the creation of any of these accounts. I demand that these accounts be permanently removed from my credit report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. This situation has caused severe damage to my credit and has resulted in undue stress and Financial Loss. I expect prompt action in investigating and correcting this issue. I demand that the fraudulent accounts be removed and a new credit report be issued reflecting these changes. Please provide written confirmation that these fraudulent accounts have been deleted from my credit report. Failure to respond and correct this matter within 30 days will leave me no choice but to pursue all legal counsel to protect my rights.
Consumer complaint received 2024-01-24
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. (TX)

Subject : Urgent Request for Removal of Unauthorized XXXX XXXX XXXXXXXX Account from Credit Report Dear EQUIFAX, I am writing to bring to your attention a serious breach of privacy and potential identity fraud related to the unauthorized actions taken by XXXX XXXX  XXXX. The details provided below highlight the gravity of the situation and the necessity for immediate corrective action. 

1. Unauthorized Access and Identity Concerns : XXXX XXXX XXXXXXXX accessing my personal information without my consent constitutes a blatant breach of my privacy rights and raises significant concerns about the potential for identity fraud. I request an immediate investigation into this matter to address the unauthorized access and ensure the protection of my sensitive information. 

Relevant Texas-Specific Law Codes : - Texas Business and Commerce Code [ Relevant Section ] : Unauthorized access to consumer information XXXX. Unauthorized Addition to Credit Report : XXXX XXXX XXXXXXXX has added an account to my credit report without my explicit authorization. It is crucial to note that, even in the event of a permissible purpose, the consent of the consumer is mandatory, and in this instance, I have not provided such consent. This unauthorized addition must be rectified promptly by removing XXXX XXXX  XXXX from my credit report. 

Relevant Federal Law Codes : - Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Unauthorized addition to credit report 3. Lack of Consent for Communication : XXXX XXXX  XXXX has contacted me without seeking my consent to do so. I want to emphasize that I do not wish to engage in any business dealings with XXXX XXXX  XXXX, and I am under no legal obligation to do so. Therefore, any further communication without my explicit consent is unwarranted. 

Relevant Texas-Specific Law Codes : - Texas Business and Commerce Code [ Relevant Section ] : Communication without consent In light of the aforementioned violations and concerns, I demand the following actions : 1. Immediate Removal from Credit Report : XXXX XXXX XXXXXXXX must be promptly removed from my credit report to correct the breach of privacy and unauthorized addition. 

2. Cease and Desist Communication : XXXX XXXX  XXXX is instructed to cease any further communication with me unless explicit consent is obtained. 

Failure to comply with these demands within 15 days from the receipt of this letter may result in legal action, seeking damages and penalties for the violations outlined. 

I urge EQUIFAX to treat this matter with the utmost urgency and undertake the necessary steps to rectify the unauthorized actions of XXXX XXXX  XXXX. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-23
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. (AL)

In summary, I have been experiencing issues with a consumer reporting agency, specifically XXXX/EQUIFAX/XXXX XXXX The initial notice was sent to the companies on XX/XX/XXXX, and despite allowing ample time for investigation, the issues persisted. On XX/XX/XXXX, I obtained all copies of my consumer reports, revealing numerous inaccuracies in negative accounts. 

These inaccuracies have adversely affected my ability to obtain credit, leading to high-interest rates on loans due to unauthorized reports. I have faced financial exploitation, as these companies have been compiling information on me without my consent since my legal age of 18, creating a forced non-consensual bond over the last five years. My information is being trafficked and transferred without lawful consent. These Companies are committing Criminal coercion. 

The company has failed to respect the XXXX XXXX XXXX XXXX, claiming not to be required to follow it, and disregarding my consumer rights. They have consistently opened reports in my name without written consent or a request for such release of information. The situation has eroded my trust in the banking system, resulting in rejections for credit cards and loans essential for my transportation needs and living situations. when I called the companies the more information they have added without my consent and random addresses they have added to my report they are causing massive detriment upon my likeness. They're bidnign me to involuntary servitude. Where they won't respect my LAWFUL right to my personal right to privacy of information and know I NEVER GAVE WRITTEN CONSENT.
Consumer complaint received 2024-01-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: CITIBANK, N.A. (CA)

I have a business account with Citibank and was told that I could have a free personal checking and savings account because of the business account. I opened the free checking and savings account only because it was free. I rarely use the personal checking and savings account. This past weekend I wanted to transfer some funds and found the personal checking account was closed with a XXXX XXXX. I spoke to Citibank and the XXXX  number told me they never offer free checking accounts. I know this to be a lie because older bank statements show that there were no XXXX  XXXX  fees.
Consumer complaint received 2024-01-22
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. (AZ)

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

2. The status is incorrect for the following account XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account. 

5. 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 6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IL)

Equifax will not allow me to create an account and or view my credit score or credit report due to a discrepancy with my date of birth. Theyre stating that they do not have a valid date of birth on file and this is the reason for not being able to create an account and view my report or score. I was instructed to mail in via postal service documentation proving my date of birth. I dont feel comfortable doing so. I am unable to upload this information via their website because I can not create an account due to the same date of birth issue they are experiencing.
Consumer complaint received 2024-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (SC)

XXXX payments took a XXXX fraudulent charge out of my bank and a XXXX charge. I got a police report, I filled out an affidavit, I've been in touch with a branch manager who is kind to me but no one seems to be able to put this money back in my account. I have 0 liability for fraud.I 've stated it's fraud in sworn affidavit and turned in a police report. FNB XXXX has been my bank for years. I don't know why they are doing this to me. I am diagnosed XXXX and I have a XXXX XXXX and we are facinig homelessness in XXXX if they don't do a simple chargeback required by visa policy and backed up by sworn and notorized affidavit and police report.Please compel them to simply issue the chargeback.It is VISAS policy.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report.
Consumer complaint received 2024-11-01
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)

I was shocked this morning to find accounts on my credit report that dont belong to me, and I have no idea how they got there. When I did my usual credit check, these incorrect entries just appeared out of nowhere. I even refreshed my browser, hoping it was a glitch, but nothing changed. Given this unexpected issue, Im asking that my submitted documents are carefully reviewed so I can stop worrying about this happening again.
Consumer complaint received 2024-01-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (PA)

I NEVER RECIEVED THESE REQUESTED XXXX. ONLY THING I WAS SENT WAS A threatening LETTER ABOUT SUING ME. AFTER THAT LETTER I HAVE NOT HEARD BACK FROM THEM
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am resubmitting a complaint today to inform you once more that I have fallen victim to identity theft. I revisited the FEDERAL TRADE COMMISSION website at https : //www.ftc.gov and filed an identity theft report. Per FCRA Section 605b, Credit Reporting Agencies are obligated to remove any items listed on an identity theft report. Please find the ATTACHED documents to facilitate the removal of erroneous information 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ), Credit Reporting Agencies shall remove any items in the file of a consumer that the consumer identifies as information resulting from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

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 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

ive recently did a credit check to see about my file and noticed there are fraudulent accounts on my file these need to be removed asap this is a VIOLATION of the law 15 USC 1681s-2 states nobody shall support to not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. these need accounts should be deleted and removed within 4 days of receiving this i also request all written confirmations be sent to my email.
Consumer complaint received 2024-01-22
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. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.