davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MO)

Equifax is involved in committing Frand with a XXXX XXXX XXXX XXXX they Has been furnishing inaccurate and illegal Information on my consumer report this company has furnished inaccurate information to my credit reports this company is in Violation of section 623 ( a ) ( 4 ) ; 15 U.S.C 1681s 29 ( a ) ( 4 ) furnishing inaccurate and illegal information this account has been disputed 5x this account has not been properly investigated if this account is not removed from my credit reports for NEGLIGENCE within 30 days of this Notice I will be moving forward with counsel in a lawsuit against Equifax and for civil liability and Punitive Damages and this account has also reached its statute of limitation to still furnish this inaccurate illegal information. I will be attaching documents to support my claims. Please Be Advised that there is an active lawsuit in progress against XXXX XXXX XXXX. Called in to the customer service the Phone Reps was rude disrespectful hanging up in customers faces saying XXXX slurs argumentative with me made a commit sayin you Americans foreigners are handing Americans accounts and they are XXXX and are misusing there power to falsely use the American people accounts by furnishing false inaccurate information and credit scores to hurt and keep the American people suppressed. this is illegal and needs to be investigated the American people personal information is in the wrong hands.
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I have disputed a medical bill thats under {$500.00} on my report multiple times over a few years time in an attempt to have it removed and it has yet to be removed.
Consumer complaint received 2023-07-22
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)

I have contacted XXXX several times along with written letters as well as online disputes. I have informed them that I have been a victim of identity theft. They have refused to send me evidence of information being verified. Along with I have also told them that creditors such as XXXX XXXX  XXXX  claims they do not report to the credit bureaus, which is a lie because they are clearly reporting on my credit report also the fact that I told them that it isn't my account and needs to be removed immediately. Also I have called and disputed the ridiculous amount of 29 inquiries. I have sent them a letter telling them that according to 15 U.S code 1681 I didnt give permissible purpose for the following items to be reported on my credit report let alone I was a victim of identity theft.

So these items need to be deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  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 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 2023-07-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

I have requested that XXXX XXXX to remove my payment history off my consumer reports. According to ( 15 U.S. Code 1681 A ) they are not allowed to report my payment history on my consumer reports.
Consumer complaint received 2023-07-22
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. (NC)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) 3 Credit Bureaus are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

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 XXXXXX/XX/XXXX.
Consumer complaint received 2023-07-20
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)

I have disputed a medical bill thats under {$500.00} on my report multiple times over a few years time in an attempt to have it removed and it has yet to be removed.
Consumer complaint received 2022-07-28
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)

Please be advised this is my FIFTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite four previous written requests, the unverified item listed below still 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 and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$8300.00}.
Consumer complaint received 2023-07-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2022 I wrote a personal check for {$12000.00} on my Chase bank account to " XXXX XXXX XXXX XXXX XXXX '' for accounting services. I mailed the check at a USPS branch. 

The check was stolen from the mail and did not reach XXXX XXXX XXXX XXXX XXXX. 
I checked my bank statement and it showed that the check was altered with XXXX XXXX XXXX XXXX XXXX being erased and a XXXX XXXX written in. 
The alteration is plainly visible as the writing does not match the rest of the check. 

The check was fraudulently cashed at a XXXX XXXX XXXX branch subsequently. 
I made a claim with Chase bank to recover the funds and they in turn put a claim in to XXXX  XXXX XXXX. I have made countless inquiries to Chase Bank with no luck. Chase bank says that XXXX  XXXX XXXX will not respond to this claim. Now it seems that Chase has given up on this claim. 

XXXX  XXXX XXXX should have made an enquiry on the authenticity of this forged check and contacted Chase or myself to determine it authenticity. They were negligent in not doing so and need to reimburse me for the lost funds. 

I filed a police report ( enclosed ) XXXX XXXX XXXX XXXX XXXX have verified in a letter that they did not receive the funds. ( enclosed ) Letters from Chase bank ( enclosed ) I looks like chase bank have given up on me. 

I tried contacting XXXX  XXXX XXXX but without a file number I can get nowhere. Chase Bank will not give me a contact or a claim number at XXXX  XXXX XXXX so I can follow up on this claim. 

Please help XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Thanks
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-20
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: Experian Information Solutions Inc. (IL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2019-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

My bankruptcy was final XX/XX/2018. Chase  Bank Auto Loan was one of the creditors that was in the bankruptcy. The account shows as delinquent, past due in collections. This is not true. It is part of the bankruptcy. I have made three attempts through disputes to Chase and when they updated it, it stills show the same as above, delinquent, past due balance {$XXXX} owed. Now my debt ratio includes {$XXXX} that was written off. I want this taken care of. I contacted them by phone also, they said their records indicated it was part of the bankruptcy but they wouldn't update unless I sent a dispute. I have done so, 3 times.
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 


XXXX there is some inaccurate information reporting. 
Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2023-07-20
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: General Motors Financial Company, Inc. (IN)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person.
Consumer complaint received 2021-08-28
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (TX)

On XX/XX/2021 there was a unauthorized charge in my paypal account. I noticed the debit out of my bank account on XX/XX/2021. I filed a dispute the same day with PayPal. As of today XXXX XX/XX/2021 they denied me with no form of documentation and or proof of the transaction. They did not even utilize the 14 business days to even research. They just denied me. 

My account is a small business account called XXXX XXXX XXXX XXXX The unauthorized amount Is {$620.00}.
Consumer complaint received 2020-11-27
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

on XX/XX/2020 I sent a letter to XXXX, Equifax, and XXXX  to remove in accurate information from my account. I have not received any response from the credit bureaus about my request. On XX/XX/2020 I sent another request asking the credit bureaus to respond and still i have not received a response it is now XX/XX/2020. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report.
Consumer complaint received 2020-11-27
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: JPMORGAN CHASE & CO. (LA)

XXXX  XXXX XXXX  authorization of large amounts with no funds avaible and no debit card in hand from previous fraud documented and card was not even actives by me Wire transfer done under my name and account did not get refunded Checks were aroows by text check and somehow someone else cash a check and it goes through that was for lawn care not in my handwritten and signature off way off. 
Chase credit card fraud and no physical card in hand and notified this problem serveral times in the last 2 mo cashing out more than my avaible alloted cash allowance to persons commuting fraud XXXX has my accounts load up to system before o even get in hand and fraud being done Victim XXXX XXXX accused of fraud all pmts I made legit to him. 
Account in XXXX chase card ended in XXXX not mine Thank you for you time XXXX XXXX Former XXXX  XXXX and XXXX  XXXX unique identification number documented XXXX  XXXX XXXX XXXX Louisiana Last $ $ n XXXX XXXX XXXX
Consumer complaint received 2023-07-22
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. (GA)

the following companies are furnishing information on my credit report that I have not given my witten express consent for them to do so which is my right under 15 USC1681b ( a ) 2. 
XXXX, XXXX and XXXX have also violated my right to privacy according to 15USC 1681 ( a ) 4.

According to 1681a ( 2 ) ( A ) ( iii ) - The consumer must be given a chance to direct the information whether they want the information about a transaction they had to be reported or not. This is referenced in the XXXX XXXX XXXX XXXX I was never given the opportunity nor told that I had this option, again a violation of my rights.

1681e ( a ) - reasonable procedures must be maintained to avoid violations of 1681b and 1681c It must also be noted that the term identity theft as described in 15 U.S. Code 1681a ( q ) ( 3 ) and 12 CFR 1022.3 is a fraud committed or attempted using the identifying information of another person without authority. 
The referenced accounts are as follows : XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX Account number 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
Consumer complaint received 2023-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To whom it may concern, I have XXXX inquries on my transunion that were fraud and never authorized by me. I never gave anyone the right to run my credit score the following inquiries need to be removed from my credit profile on transunion and any other reporting agencies. Under the fair credit reporting act 609. XXXXL ( Bank ) XX/XX/XXXX, XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX ( Bank ) XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX ( Bank XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-07-21
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. (IL)

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 XXXX XXXX XXXX. 

Convergent Accounts : XXXX XXXX, XXXXXXXX XXXX XXXX  and XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 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 2021-07-03
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: The CBE Group, Inc. (TN)

Today I was contacted by a place they referred to themselves as CBE FINANCIAL GROUP Via telephone. They asked was I a certain individual and I told them I dont confirm or deny, they then stated This is an attempt to collect on a debt I said Okay? In a puzzled tone. She then said Well, do you live at ( insert actual address including zip code of individual she was calling about here ) and I became outraged. I am an abuse survivor and this woman blurted out SENSITIVE PRIVATE INFORMATION, the address to someones home. I told her that was very unprofessional and what if I been a serial killer? What if I were an abusive ex? What if I had any ill will or intentions? I can understand her asking FOR my address to confirm the account, but sitting there giving me some strangers private address over the phone call completely baffled me. That has to be illegal. There is no way that she could know if I were the person in question or someone that knew the person in question and wanted to harm them. I asked to file a complaint, I was told because I did not have an account with them, I could not file a complaint with them. Completely disregarded my concerns and acted like this was business as usual to do this often with people that they contact and that is just NOT okay.