davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-24
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. (PA)

I am writing to formally dispute several unauthorized hard inquiries on my credit report resulting from fraudulent activity. I am exercising my rights under Section 605B of the Fair Credit Reporting Act ( FCRA ) to request the immediate removal of these inquiries. 

As per 15 U.S. Code 1681i, if any disputed information is found to be inaccurate, incomplete, or unverifiable, you are obligated to promptly delete it. The inquiries listed below were not authorized by me, nor do they have a permissible purpose under Section 604 of the FCRA : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX " Under the Doctrine of Estoppel by Silence, Engelhardt v Gravens ( MO ) 281 SW 715, 719, I may presume no proof of the alleged debt, not therefore any such debt, in face exists. ''
Consumer complaint received 2022-09-12
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. (NY)

Hi I am submitting this XXXX XXXX this isn't 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 719XXXX has me at a score around 590. 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 XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three 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 21 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 year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

In 2009, my identity was stolen, and it has been an ongoing issue ever since. Over the years, several fraudulent accounts have been opened in my name, including credit cards, utility accounts, and even an apartment lease. These actions have severely impacted my financial standing and credit score, causing immense stress and difficulty in managing my personal finances. Additionally, a falsified police report was filed in my name, falsely accusing me in a XXXX  XXXX issue. This false report has damaged my reputation and has been extremely challenging to clear. Despite multiple attempts to resolve these matters with creditors, utility companies, and law enforcement, the issue persists. I continue to face roadblocks in proving my innocence and recovering from the impact of these fraudulent activities. I seek immediate assistance to address and resolve this situation.
Consumer complaint received 2024-09-24
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)

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and Equifax ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 




Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit B. 

XXXX XXXX Account number # XXXX in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) The inaccurate reporting of both my account status and payment status by XXXX XXXX Account number # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Consumer complaint received 2024-09-15
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 am writing to dispute the following accounts on my credit report, as they have violated my federally protected rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681. The details of the accounts are listed below : List of Accounts to be Disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have violated my privacy and confidentiality rights as protected under the following provisions of the FCRA : 15 U.S.C. 1681, Section 602 ( a ) : This section explicitly grants me the right to privacy, and the presence of these accounts on my credit report without my consent constitutes a violation of that right.

15 U.S.C. 1681, Section 602 ( a ) ( 2 ) : This section states that no consumer reporting agency can furnish information about an account without my express written instructions. I have never provided any written consent for the furnishing of the above accounts.

15 U.S.C. 1681c ( a ) ( 5 ) : This section prohibits consumer reporting agencies from including any adverse information, except for criminal convictions, that is older than seven years. The accounts listed above contain adverse information that is either outdated or in violation of this provision.

15 U.S.C. 1681s-2 ( a ) ( 1 ) : This section states that a person shall not furnish any information relating to a consumer if the person knows or has reasonable cause to believe that the information is inaccurate. The information regarding these accounts is inaccurate and should not have been furnished to any consumer reporting agency.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and 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 the blocking of the erroneous information which is being posted to my report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Balance : {$8300.00} XXXX XXXX Balance : {$0.00} EQUIFAXXXXX XXXXXXXX XXXX XX/XX/year> XXXX XX/XX/year>
Consumer complaint received 2024-09-24
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. (FL)

I have disputed the following accounts over 6 times. I keep getting a letter back saying they will not investigate. I have sent my documentation with my id, social, and utility bill for proof of address. I demand an investigation. This is a blatant disregard for my rights under FCRA.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

Upon reviewing my consumers report i stumbled upon a few accounts listed that do not belong to me. I have never given these companies my information whatsoever. Here are the accounts below : XXXX XXXX XXXX Acct # XXXX Bal- {$42000.00} Opened : XX/XX/XXXX XXXX  XXXX XXXX- Acct # : XXXX Bal- {$24000.00} Opened : XX/XX/XXXX
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

The XXXX XXXX  score is the worst system these credit bureaus could come up with! My scores shooting down low even after a {$50.00} increase on one of my cards! Ridiculous!
Consumer complaint received 2024-08-05
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (NY)

Upon completion of my lease and submitted a payoff amount to the company as instructed. The payoff was received and processed however I never received payoff letter or title to the car. I contacted company several times and was unable to get any information. I escalated my request however Ive never received any response. The customer service representation was were unable to provide any relevant information to me.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: NAVY FEDERAL CREDIT UNION (TX)

I have been enrolled in automatic monthly loan payments of {$250.00}. However, due to my XXXX XXXX XXXX XXXX XXXXXXXX and my job as a XXXX XXXX assistant, I missed several payments. To rectify this, I contacted XXXX XXXX to arrange a payment plan, as I was threatened with repossession on my credit. During the conversation, I was led to believe that I was paying a fee to bring my account up to date and to set up automatic future payments. I have diligently made these payments for over XXXXwo years. However, despite this, my account is now listed as charged off on my credit report and marked as delinquent, which is inaccurate as the payments are automatically deducted from my account each month. Despite my attempts to resolve this issue, I have had no success. 
Date of charge off has XX/XX/year> i set up arrangement prior to this date and have not missed a payment
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PNC Bank N.A. (GA)

I am filing a complaint against PNC Bank for failing to address an unauthorized account on my credit report. Despite multiple attempts to resolve this issue, PNC Bank has not removed the unauthorized account, and the credit reporting agencies ( XXXX and XXXX ) continue to report this inaccurate information. The details of the account are as follows : - Account Name : PNC BANK, N.A. 
- Account Number : XXXX - Date Submitted : XX/XX/year> - Report Number : XXXX I did not open or authorize this account, and its presence on my credit report is causing significant damage to my creditworthiness. I have previously disputed this account with PNC Bank, yet they have failed to provide adequate verification or remove the account from my credit report. XXXX has already acknowledged the unauthorized nature of this account and removed it from my credit report, but XXXX and XXXX have not done so. 

PNC Bank 's actions constitute violations of several federal laws designed to protect consumers, including : 1. **Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681s-2** : PNC Bank has failed to fulfill its responsibilities as a furnisher of information by not reporting accurate information and not investigating disputes promptly and thoroughly. 

2. **Fair Credit Billing Act ( FCBA ) - 15 U.S.C. 1666 ( b ) ** : PNC Bank is required to investigate and correct billing errors, including unauthorized charges. This account represents an unauthorized charge that must be corrected immediately. 

3. **Truth in Lending Act ( TILA ) - 15 U.S.C. 1605 ( b ) ** : This section prohibits unauthorized accounts and charges on a consumer 's credit report. The presence of this account on my report is a direct violation of this provision. 

Despite providing substantial evidence and XXXX removing the disputed item, PNC Bank has not taken appropriate action to rectify the situation.
Consumer complaint received 2024-08-05
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. (MI)

The Complainant alleges that despite submitting at least thirty-four ( 34 ) detailed notices of dispute, along with copious documentation evidencing inaccuracies, Equifax has consistently failed to correct the erroneous information and facially false information pertaining to the XXXX XXXX XXXX XXXX ( Card Account XXXX ). This ongoing failure to address the inaccuracies has caused significant harm to the Complainants creditworthiness, financial stability, housing stability, employment, and health. The attached document serves as the Complainant 's formal demand for the immediate deletion of the account/tradeline XXXX from any and all consumer files Equifax maintains and disseminates regarding the Complainant.
Consumer complaint received 2024-08-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Hello, My Name is XXXX XXXX. I am writing to you regarding the custodial account ( XXXX ) I opened with Merrill Lynch Investments. When I opened an account, I remember asking them if I can withdraw the account before beneficiary turns XXXX and I was told yes. And as per my understanding back then, when they said " yes '' I thought until my kid turns XXXX ( they mentioned XXXX but looks like that age varies based on state, XXXX for Illinois but they never mentioned me that, from my research I learnt its XXXX for IL and not XXXX ) me or my kid can use the amount and withdraw it as needed. And this was misinformation provided to me and they should have been more specific that you can withdraw as long as it is for benefit of minor. Me and my XXXX have been saving this money ( almost XXXX XXXXXXXX ) for almost 15 years to purchase our dream home and all our thoughts are cut down now. My kid is only XXXX XXXX and we were literally thrown under the bus. Since I wasn't provided correct info, and with understanding that I can withdraw the amount whenever I needed ( purchasing a home ), I moved all my money from my savings account to custodial account and I am stuck now. I tried to work with XXXX to have this transaction reversed and they said we can not help and we will not reverse. After trying all options, I am raising a complaint against them to have this transaction reversed as I did transfer all my savings into custodial account based on misinformation provided by XXXX
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are inquiries and accounts I that have no knowledge of. These accounts were created after my information was stolen. I am requesting these items be-removed from my credit report. XXXX XXXX is not mines.
Consumer complaint received 2024-08-04
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I received an email from XXXX on XX/XX/year> stating that there had been a change to my credit report. Upon checking the report, I saw that there was a hard inquiry from Capital One that I did not recognize. I immediately called XXXX and told them that I did not apply for a credit card through Capital One and did not grant anyone permission to check my credit report. They placed a fraud alert on my account and I asked them to place a temporary freeze on my credit report. I then called Capital One on XX/XX/year> and informed them of the fraudulent activity. They informed me that they did see that I had an account with them ( which I personally did not open ) and that a credit card had been applied for on XX/XX/year>. They informed me that the card is in the process of being delivered to whoever applied for it, but that they would place a fraud alert on the account and that the card will rendered inactive. They also told me that this account/transaction is under open investigation for 60-90 days and I should receive something in the mail from them within this timeframe regarding the outcome of the investigation. I asked them to remove the hard inquiry from my credit report and was told this could not be done until after the 60-90 day period. I also asked them for the name and address of where this credit card was supposedly being delivered and they did not disclose that information. I was encouraged to file a police report with my local police station for identity theft.
Consumer complaint received 2024-08-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (OH)

Our taxes to XXXX XXXX, IL from our escrow account were paid twice by Shellpoint Mortgage Services in error. For months, we have requested a refund to our escrow account to no avail. We have spent countless hours on the phone with Shellpoint and there has been no resolution provided over our {$1300.00} overpayment. We did not submit this overpayment or request our mortgage to be transferred to another bank. We have made every payment on time. Shellpoint claims XXXX XXXX is supposed to issue us a refund and the county says they have. Shellpoint is not being helpful and we've run out of options and don't know what to do.
Consumer complaint received 2024-08-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

on XX/XX/XXXX @ XXXX XXXX  i called customer service to request a copy of the terms and conditions ( contract ) of credit card accounts and which i had with Bank of America in XXXX and XXXX for an account ending in XXXX. I was informed that the request would take XXXX business days and i would receive the items requested by XXXX mail XXXX Approximately XXXX weeks later when i had not received the requested items by mail, I called customer service again to inform them that i had not received the requested items. I received an apology from the rep and was told again that the item would be placed in the mail and it would take XXXX business days. To date i have not received the requested correspondence which should have included XXXX copies of terms and conditions for XXXX separate credit cards merged into the same account. The XXXX agreement began in XXXX and the XXXX on XX/XX/XXXX according to the customer service representative.
Consumer complaint received 2023-03-21
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. (TX)

I reached out to the CEO of XXXX XXXX XXXX XXXX XXXX XXXX regarding an error by the company that caused my credit card to be closed and charged off. XXXX forwarded the information to the resolution team. They completed their research and accepted the error therefore they agreed to remove the payments that they reported as late as well as the charge off status of the account. Upon requesting a document I found out that they did not submit the request to remove the charge off status and they only requested the late payments. The fact that they are not removing the charge off as originally informed doesnt make sense and is unethical considering the fact that an account can not go to a charge off status unless it is late and the account shouldve never been late and after they made the corrections the account doesnt have any late payments reporting therefore it shouldnt have the charge off status. I have explained this to the resolution team member and 2 managers but they are not utilizing their resources or understanding the process as they continue to try and push me to another department that already said can not assist and advised the resolution team would be the one to complete the correction. I have sent an email to XXXX XXXX several times again and there has been no contact by anyone from XXXX since XXXX/XXXX/2023. They corrected half of the problem when the entire problem needs to be corrected as they are connected and XXXX accepted responsibility for the error when they requested the late payments to be removed after the research was completed.