davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (MI)

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 2022-11-24
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

XXXX sold my loans to aidvantage. I received an email stating that they would be going to aidvantage and nothing would change about my loans. Then when the company aidvantage received my loans they suddenly reported that I had missed payments with them and the only reason I found out is because my credit score dropped over XXXX points. I am in forbearance and do not graduate until XX/XX/year>. When I spoke to the first representative at aidvantage she told me that it doesnt matter if I am in forbearance that they are reporting that I am not paying the interest on my loans. I have never even prior to XXXX was informed I was suppose to do so and have never paid interest on my loans nor has my credit score ever been affected. She would not help me further and told me every month it would decrease my credit score. I contacted XXXX XXXXXXXX XXXX in XXXX, IA where I received my XXXX degree to make sure they reported everything correctly. They told me it showed I was in forbearance. I contacted the financial aid department at XXXX XXXX XXXX in XXXX, IA which I currently attend and they told me everything was reported by all schools that I am enrolled full time and everything should be in forbearance and it should not be showing anything on my credit score as I do not owe anything at this time. I kept calling advantage and they told me they could make a note and they couldnt do anything else. I spoke to a few classmates who took out the same loans and are in forbearance none of them have ever had anything reported while in school on credit reports and have never paid interest. I contacted transunion and equifax and disputed all loans. I have not received any information and my credit score still shows the XXXX plus point loss from the report from aidvantage.
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. (PA)

I spoke with a agent in regards to a account reporting inaccuracies on my credit report. And under violation of Law U.S.code 1681 ( a ) to delete this inaccurate account under penalty of law they said they. Verified info but didnt I requested that a copy of my Id used to open account a copy of contact signed with wet seal. And a letter from the reporting agency giving them permission to place this account on my credit from me. Be supplied
Consumer complaint received 2023-03-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Thomas Agency, Inc. (ME)

I rented my first apartment at XXXX in XXXX from XXXX XXXX XXXX XXXXXXXX XXXX XXXX. The place wasnt even fixed and done when they showed it to me, but I needed a place so I took it. In the two years I lived there, I suffered with cockroach and bedbug infestations. Spending thousands of my own money to replace things over and over. I got harassed by other tenants and the landlord did nothing about it. I got a new place and moved out in XXXX of XXXX. After I moved out, they renovated the entire apartment and charged it on my credit for damages for a total of over {$3000.00}. There is absolutely no way there was that amount in damages, they are just trying to make me pay the cost of their renovations. I seen the paperwork and their amounts and labor hours didnt even match up. I was a teen at the time so of course I didnt understand the importance of fighting it. Years later, Im trying to pay it so I can fix my credit and they wont negotiate with me at all and instead are trying to force me to pay the full amount. The company is the Thomas Agency in XXXX, Maine. Phone number is XXXX
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
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. (AR)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX 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 2024-09-24
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 following accounts has violated my rights : XXXX Account Number : XXXX XXXX XXXX XXXX  XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Account Number : XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax
Consumer complaint received 2024-09-24
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: EQUIFAX, INC. (TX)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
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. (PA)

My consumer report is showing an account from XXXX XXXX XXXXXXXX XXXX XXXX XXXX that has a {$0.00} balance but is still being reported to XXXX and Equifax but XXXX understanding the importance of this matter has removed this account. I would like this account removed immediately. Pursuant to 15 USC 1681, Section 602, I have a right to privacy regarding my financial information. Additionally, under 15 USC 1681b ( 604 ) ( a ) ( 2 ), my consumer report should only include information that is necessary and relevant for the purpose for which it was obtained.
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. (CA)

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 XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2024-09-24
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. (CT)

I am filing this complaint because my credit reports show several unauthorized inquiries that I did not initiate or approve. These inquiries have appeared without my consent, and despite reaching out to the credit bureaus to have them removed, they remain on my reports. My disputes have been ignored or dismissed without proper investigation, leaving these inaccurate inquiries to negatively impact my credit score. This situation is both alarming and unjust, as these inquiries are not a result of any actions Ive taken. 
Equifax Unauthorized Inquiries Listed below are the Inquiries that are being challenged INQUIRY - XXXX XXXX XXXX XXXX XXXX XXXX  INQUIRY - XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Name : - XXXXXXXX XXXX Incorrect Address : - XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXcorrect Address : - XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Unauthorized Inquiries Listed below are the Inquiries that are being challenged INQUIRY - XXXX XXXX XXXX - XXXX INQUIRY - XXXXXXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Name : - XXXX XXXX Incorrect Address : - XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Incorrect Name : XXXX XXXX XXXX XXXX  XXXX Unauthorized Inquiries Listed below are the Inquiries that are being challenged INQUIRY - XXXX XXXX XXXX XXXX  INQUIRY - XXXX XXXX - XXXX INQUIRY - XXXX - XXXX INQUIRY - XXXXXXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX - XXXX INQUIRY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX INQUIRY - XXXX XXXX XXXX XXXXXXXX Incorrect Name : - XXXX, XXXX Incorrect Address : - XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Incorrect Address : - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
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. (NC)

I am filing this FTC Identity Theft to report XXXX separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/year> CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that, the XXXX credit reporting agency , Equifax and XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 
This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX bank Account # XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the fraudulent items. I do not recognize the accounts, collections, or hard inquiries as reported. The accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.
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. (FL)

improper use of my credit report. in accordance with with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states i have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666B, a creditor man not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose i contacted all of them and asked for proof and no response here is my tracking number of my certefied mail that i sent and they received on XX/XX/XXXX : XXXX XXXX XXXX
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. (OH)

To Whom It May Concern, I looking at my credit report, and I noticed errors with my personal information, misspelling of my actual name, wrong, unknown old previous addresses, and some non-accounts hard inquiries that I'm not 100 % sure how it's here, and how you can mix such files. This is a big issue for me - Can you please fix it for me? As far as I know by reading the FTC, and FCRA laws and regulations, any other inaccurate and/or outdated information must be deleted immediately from my credit report as they are not reportable as per the FCRA, since they are inaccurate. These are the ONLY personal information that should be reported on my credit report : Incorrect Previous Address - XXXX XXXX XXXX XXXX, FL XXXX Incorrect Name - XXXX XXXX XXXXXXXX Employer - XXXX OF XXXX Employer - XXXX XXXX Incorrect Name - XXXX XXXX XXXXXXXX Incorrect Previous Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX Incorrect Name - XXXX, XXXX, XXXX
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

The following item is inaccurate and negatively affects my credit. I previously disputed this account with the credit bureaus, and it was deleted from my XXXX report, but Equifax failed to perform an investigation and delete the disputed information. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.
Consumer complaint received 2024-08-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (PA)

On XX/XX/XXXX, I started to receive charges from a hacked/phished account for XXXXXXXX XXXX  XXXX Upon seeing the ads that were running, I called Chase Bank to report the fraudulent activity. At the time of my call, the charges were $ XXXX {$50.00}. My instinct was to close the card, but the representative at Chase Bank 's Fraud Department advised me to remove/block XXXX Wallet to stop the charges and to contact XXXXXXXX XXXX to resolve the issue. I followed this advice, believing the charges would be blocked, and I filed a case with XXXX. However, when I checked my card later in the day, I had nearly {$1000.00} in charges that were not blocked. So, I froze the card myself online and informed Chase that I was disputing the charges, explaining that all except for {$4.00} were fraudulent. 

My XXXX case was " passed to a special team, '' and for about 45 days, I received messages stating they were actively investigating. In XXXX, I received a message from the team saying the investigation was ongoing but that they had to close my ticket for internal compliance reasons. They then asked if my issue was resolved and closed the case for no response. These messages came at XXXX XXXX, and the ticket was closed at XXXX XXXX  the same day, essentially closing communication because I wasn't actively reading the messages between XXXX XXXX  and XXXX XXXX. 

I checked to see if my issue was resolved by logging into my XXXX XXXX account. The accounts were cleared, the fraudulent accounts were removed, and my balance was XXXX. I incorrectly assumed the issue was resolved until Chase Bank 's Fraud Department called me, stating that the XXXX charges were valid and that I must pay roughly {$850.00}. 

I have escalated this issue with Chase, questioning why billing from XXXX was allowed to continue despite following their advice. The representative made me believe that the solution provided would allow me to fairly dispute the charges without the continuation of fraud. 

Now, XXXX customer service claims they can not verify the charges or the account, which they removed. Despite providing screenshots of my interactions and explaining the situation in detail, they continue to send closed response messages with no way to reply. I have gone through this cycle multiple times. 

While I took immediate action to resolve the issue, I was incorrectly advised by Chase 's Fraud Department, which has now left me responsible for these charges. Additionally, I am doubtful of the effectiveness of their fraud department, as I also received an accidental email intended for someone else going through fraud, revealing their name. As for XXXX, they slow-rolled the issue and disavowed it in the dead of night. This has left me with a feeling that both of these companies know how each other operates and my patience and belief in a resolution was used against me to leave me financially responsible.
Consumer complaint received 2024-07-19
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)

XXXX. XXXX XXXX XXXX XXXX Account : Date : XX/XX/XXXX Issue : An account with XXXX XXXX XXXX XXXX appears on my credit report. This account was fraudulently opened as a result of identity theft and does not belong to me. 
XXXX. XXXX XXXX XXXX Date Opened : XXXX, XXXX XXXX Issue : A collection account with XXXX XXXX XXXX, is listed on my credit report. This collection account was also fraudulently opened due to identity theft and should not be attributed to me. 
XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX, XXXX XXXX  XXXX XXXX  XXXX is listed on my credit report. This collection account was also fraudulently opened due to identity theft and should not be attributed to me. 

XXXX. 
Inquiries Related To Identity Theft : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Are all results of Identy theft on my consumer reports!
Consumer complaint received 2024-08-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (TX)

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Wells Fargo XXXX XXXX XXXX XXXX, MN XXXX Date : XXXX, XXXX 2024 To Whom It XXXX Concern : I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Account Name & Account Number : XXXX Card # Please provide me with the following : ( XXXX ). Full accounting for this account : ( XXXX ). Copy of the assignment of purchase from the creditor ( XXXX ). Every charge and what was purchased, fee, payment, credit, interest ( XXXX ). How you calculated what you claim I owe ( XXXX ). ( XXXX  v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX ). Full chain of assignments from charge off to present ( XXXX ). Proof that you own the debt with full clear title ( XXXX ). Proof that you were on the original contract ( XXXX XXXX XXXX XXXX XXXX ) & ( XXXX  v XXXX XXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in XXXX XXXX  XXXX will be on standby waiting for my instructions.