davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

formal complaint regarding the handling of my XXXX XXXX account ( account number : [ XXXX ] ) issued by XXXX XXXX XXXX. Despite never using the card, I discovered that fraudulent transactions were made on my account, which I promptly reported to your institution. Although it took several weeks to resolve the issue, your team eventually corrected the problem and closed the account at my request, leaving the balance at XXXX dollars. 
However, in a subsequent move that I find unacceptable, your bank has reported my account as late to the credit bureaus. This decision has caused significant damage to my credit score, which is unfair and illegal under the Fair Debt Collection Practices Act ( FDCPA ). Specifically, 15 U.S.C. 1692e ( 8 ) prohibits debt collectors from reporting false information about a debt to a consumer reporting agency. 
The reporting of my account as late is a clear violation of this provision, as I did not owe any amount on the account at the time of closure. The fact that the fraudulent transactions were not my responsibility and that I took prompt action to report and resolve the issue should have absolved me of any responsibility for the outstanding balance. 
I request that your bank immediately take the following actions : Remove all negative reporting from my credit file ; Notify the credit bureaus to correct their records ; Provide a written explanation for this egregious error and how you plan to prevent similar situations in the future ; I would appreciate a prompt response regarding your investigation into this matter and the steps you will take to rectify this situation. If I do not receive a satisfactory response within 5 days, I will be forced to pursue further action through regulatory agencies and legal channels.
Consumer complaint received 2024-07-07
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. (MD)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-07-07
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. (CA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-07-07
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. (OH)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2024-07-07
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 am writing to delete the. following information from my file.the items I want deleted are listed in the report I am a big team of identity theft and I did not make the charge.ireported the theft of my identity to the federal trade commission and I also have enclosed copies to the federal trade commission identity theft affidavit.please delete these items as soon as possible.
Consumer complaint received 2024-08-05
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: WELLS FARGO & COMPANY (TN)

Some scammers got a hold of my online banking account pretending to be Wells Fargo and me and XXXX  themselves XXXX out of my account and also tried to get {$150.00} out they denied my claim when it had to be a security breach on their end for the scammers to get my user id and also gave access to Wells Fargo system
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX XXXX has continued to attack my XXXX credit report with wrong information which I feel they are working with Capitol One who is providing false information on a fraudulent account that they have mixed up with my settled account.
Consumer complaint received 2024-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (VA)

I made a debit card purchase on XXXXat XXXX. My transaction showed declined at the terminal however chase completed the transaction. I was told by XXXX to dispute the charge with my bank. XXXX is not allowing me to dispute the transaction stating that the transaction was completed. I have my documents showing I paid by other means but chase is not allowing me to submit the documents.
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: Advanced Resolution Services Inc. (AR)

In accordance with the FCRA, ( XXXX, XXXX, XXXX, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXX XXXX XXXX XXXX XXXX ) I am Attaching identity and proof of address. Also, there are several inaccuracies reporting on this account
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CORELOGIC INC (TX)

I've attached proof of Credco inaccurate reporting their reporting and business practices is a violation of the FCRA, and I'll sue Credco and enforce my rights under the FCRA if this information attached isn't removed from my consumer report immediately. Data furnisher 's ARE NOT ALLOWED TO REPORT INACCUARTE INFORMATION! FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX. US Court of Appeals for the XXXX XXXX XXXX case XXXX XXXX XXXX XXXX XX/XX/1997, Filed ( XXXX XXXX XXXXXXXX ).
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: CORELOGIC INC (TX)

I am writing to formally notify you of serious violations concerning the furnishing of consumer data that has come to my attention. As a secondary consumer reporting agency, you are required to adhere strictly to federal and state laws governing consumer credit and reporting practices. Your recent actions have violated these laws, specifically the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), and relevant case law, including XXXX XXXX XXXX  v. XXXX, XXXX XXXX. XXXX. 

Under the FDCPA, any consumer reporting agency must refrain from disclosing information to third parties without proper consent, especially when such information is inaccurate or unverifiable. In this instance, your agency has furnished data that does not comply with these legal standards. 

Furthermore, the case of XXXX XXXX XXXX v. XXXX illustrates the consequences of failing to uphold these standards, highlighting the judicial recognition of consumers ' rights to accurate credit reporting. Your actions not only contravene established case law but also expose you to significant legal liabilities. 

According to the FDCPA, consumers may seek damages for violations, including statutory damages of up to {$1000.00}, along with actual damages, attorney fees, and court costs. The associated costs and potential liabilities from these violations can be substantial and detrimental to your agency 's reputation. 

Therefore, I hereby demand that you immediately cease all forms of communications regarding the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-06
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. (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.

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 inructions 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. 

These are the inquiries which should be off from report.
Consumer complaint received 2024-07-06
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. (SC)

I've contacted Equifax several times and about XXXX XXXX reporting incorrect information on my credit report. I never received any response or resolution to this situation no calls or emails were answered. This is a very important matter identity theft is a serious matter I do hope this situation will be handled promptly. I am writing to dispute an unauthorized access to my credit report, which I believe is in violation of 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). Specifically, I have discovered that my credit report was accessed by XXXX XXXX without my authorization, or any permissible purpose as defined under the FCRA
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-06
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. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-06
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)

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. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX  XXXX, Account name : XXXX MANAGEMENT # XXXX, Account XXXX : XXXX XXXX XXXXXXXX, Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX # XXXX, Account name : THE XXXX STORE # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : RD/IN/BRIDG # XXXX, Account name : ESUSU # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX XXXX Account name : XXXX XXXX XXXX, Account XXXX : XXXX FXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX XXXXXXXX XXXX Account name : XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, 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 2024-07-06
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. (NC)

Re : Account # XXXX Account Number - XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt.

Cease any credit bureau reporting until debt has been validated by me as required under the FCRA.

Send me proof that you are licensed to collect debt in the my state. 
Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I have tried to dispute the same items on my credit report for several years. I have asked for debt validation, I have asked for the results of the investigation, I have asked to be sent the original debt, I have stated that this is a violation of the fair credit act, I have sent letters electronically, sent hand written letters, sent typed letters with a wet signature and have not received a response to a dispute or the results of the investigation or information about what happened. My credit score has been damaged for so long without any updates. Nothing has been removed from my credit score. They have allowed debt collectors to change the dates of the debt that were older than 8 years to look current. I do not believe there was ever an investigation into my disputes.
Consumer complaint received 2024-07-06
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)

XXXX Account number : XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Equifax XXXX XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX 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. 
XXXX XXXX, never sent the periodic statement along with the disclosures from section 1637 ( b ).

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.

a systematic error ol cessing my paymer s was clearly a billin company and is not ment experience wi le 1681eb. This ern racter This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-07-06
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-06
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. (GA)

I am writing to report multiple instances of inaccuracies on my credit report, which are in violation of the Fair Credit Reporting Act. Despite repeated disputes with the credit reporting agencies, these errors persist, threatening my financial credibility and potentially harming my access to credit. I urge the Consumer Financial Protection Bureau to investigate this matter promptly and ensure compliance with the FCRA to protect consumers ' rights.
Consumer complaint received 2024-07-06
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. (NC)

Re : Account # XXXXXXXX XXXX XXXXXXXX Account Number XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt.

Cease any credit bureau reporting until debt has been validated by me as required under the FCRA.

Send me proof that you are licensed to collect debt in the my state.

Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA.

I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Consumer complaint received 2024-07-06
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. (NC)

Re : Account # XXXX XXXX XXXX. Account Number - XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Consumer complaint received 2024-07-06
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)

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 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 U.S.C 1681.

THE ACCOUNTS BELOW HAVE VIOLATED MY RIGHTS.

15U.S.C 1681 SECTION 602A STATES IHAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604A 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 FALLOWING ITEMS OF INFORMANTION 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 ) ( a ) 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.

DELETE THE ACCOUNTS BELOW :
Consumer complaint received 2024-07-06
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)

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 informationisinaccurate.