davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-15
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. (NV)

Section 602a of the Fair Credit Reporting Act ( 15 USC 1681 ) emphasizes the importance of consumer reporting organizations upholding fairness, impartiality, and respect for privacy. Equifax and XXXX are consumer reporting companies ; I am the consumer. According to 15 USC 6801, financial institutions must respect customers ' privacy and protect their nonpublic personal information. The title " Furnisher of information to credit agencies '' defines a financial organization.

Section 2 of 15 USC 1681 states : " In general. '' According to subsection ( c ), a consumer reporting organization may only provide a report based on the written instructions of the consumer. The banking institution and consumer reporting companies, Equifax and XXXX, did not obtain my express agreement to provide this information. Equifax and XXXX 's consent to provide information to credit agencies, whether spoken, nonverbal, written, or inferred, is revoked. 
15 USC 6802 ( b ) ( c ) provides : " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( provider of information to credit agencies ) I was never advised of my right to nondisclosure. Not only that. 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This is an unpleasant thing being reported again without my authorization which is against the law. 
According to 15 U.S. Code 1681s-2 ( A ) ( 1 ) A, individuals are prohibited from providing incorrect information about consumers to consumer reporting agencies if they have probable grounds to believe it is so. 15 U.S. Code Section 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to confine the providing of consumer reports to the reasons listed under part 1681b of this title. Equifax and XXXX aren't following acceptable processes. Also According to 12 CFR 1016.7, consumers have the right to opt out at any time. Therefore, I am opting out of your reporting services.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am requesting the removal of specific accounts and inquiries from my credit report, as well as the correction of inaccurate information, such as late payments. These items were not authorized by me. 

Below are the details of the accounts and inquiries that I did not open or initiate, as well as the inaccurate information that needs to be corrected. I expect these inaccurate entries to be thoroughly investigated, blocked, and removed from my credit report to reflect my true credit history.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The following accounts are reporting erroneously on my credit, I have already contacted the bureaus and started formal complaints but so far I these items have not come off my credit. The accounts are as follows : XXXXXXXX XXXX XXXXXXXX XXXX {$0.00} XXXX  XXXX XXXX {$480.00} XXXX  XXXX XXXX {$660.00} XXXX XXXX XXXX XXXX {$870.00} XXXX XXXX  XXXX XXXX XXXX {$360.00} XXXX XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX XXXX XXXX {$500.00}
Consumer complaint received 2024-07-15
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. (OH)

I have late payments that they will not remove and according to 15 Usc 1666 ( a ) & ( b ) " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ANY PURPOSE. '' ( b ) it is a billing error, i did not receive a statement 21 days before the late payment. 
this is unlawful and shouldnt be reporting at any time! 
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 2024-07-15
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. (CA)

Someone opened a credit card in my name in XXXX ( I live in XXXX ) XXXXXXXX XXXX  XXXX XXXX XXXX XXXX ) There is a balance they want me to pay I have disputed this account 3 times and they keep denying claims I had no knoweldge of this account until it showed up on my credit report
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PR)

Complaint and dispute against EQUIFAX for violating my rights as a consumer by not providing the proper and accurate documentation to verify that excluded information can and should be reported on my Consumer Report without my consent or knowledge. According to 15 US CODE 1681a reporting on my consumer report an EXCLUSION in accordance with 15 US Code 1681a is not to be permitted without the consumers consent or knowledge. Such is a line item listed as PORTFOLIO RECOVERY ASSOCIATES is being reported without my consent or knowledge. 
I am once again requesting the physical documentation as proof of the ACCURATE CERTIFIED VERIFICATION of the reinvestigation of my consumer report according to 15 US CODE 1681 ( 2 ) ( i ) and 15 US CODE 1681b ( i ) Your company EQUIFAX has stated previously in a response to my complaint in the CFPB portal that a reinvestigation was completed. However, EQUIFAX has not furnished any proof of an accurate certified verification of the investigation of my consumer report regarding Portfolio Recovery Associates. This is one of my several demands and attempts to EQUIFAX to provide the CERTIFIED VERIFICATION of the investigation regarding Portfolio Recovery Associates in accordance with 15 US CODE 1681 ( 2 ) ( i ) along with 15 US CODE 1681b ( i ).
Consumer complaint received 2024-07-20
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. (GA)

During a recent review of my credit report, I found several fraudulent accounts. Please delete these entries from my report, as they are preventing me from getting credit. I do not know these accounts. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX Balance : {$6000.00} Opened Date : XX/XX/XXXX
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My account with US DEPT ED 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 in 60 days to be removed. 


They are not in compliance with the following law. XXXX XXXX XXXX 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. 


US DEPT ED 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. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Consumer complaint received 2024-07-15
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)

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 XXXX XXXX XXXX 
ACCT : XXXX DATE OPEN : XX/XX/year> BALANCE : {$1300.00} 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 2024-07-15
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. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-07-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NE)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-07-15
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)

15 U.S.C 1681 section 602 A. state have the rights to privacy. account : OFFICE OF ATTORNEY/ AMOUNT XXXX $ ACCOUNT XXXX 15 U.S.C 1681 section 604 a section 2 : it also states a consumer reporting agency can not funish an account without my written instruction. 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 items of information other then records of conviction of crimes which antedates the reports more then 7 years. 15 U.S.C 1681s-2 ( a ) ( 5 ) 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 2023-07-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (FL)

Greetings On XX/XX/XXXX and XX/XX/XXXX I received a bill from Transworld Systems Inc. in reference to a debt that they paid for to collect in the amount of {$1200.00}. This debt was bought from a utility company called XXXX. XXXX is in violation of 15 US Code 6802, 1681 ( b ), 6801 and 1681 ( a ) ( 4 ). All are associated with privacy violations. So once again a clear violation of my privacy rights has gone unchecked. 
I sent Transworld a certified validation letter, cease and desist letter and a 30 day affidavit of truth on XX/XX/XXXX in reference to the alleged debt. They did not produce the evidence to prove their claim. They did not respond in the form of an affidavit and did not remove the debt from my consumer report as demanded by me ( XXXX XXXX ). 
I do not owe this company any money whatsoever. Nor have I gone into any agreement them at all. 
I've also uploaded a copy of my consumer report and there are several inaccuracies coming from the same company. The consumer report states that I owe {$960.00}. However, my notice in the mail says {$1200.00}. 
The report also states that the reporting dates are inaccurate as well as the last dates active. 
This is also a Maryland account and I have live in Florida since XX/XX/XXXX. So there is no way physically I could've opened the account on XX/XX/XXXX.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

My account with XXXX 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 in 60 days to be removed.

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. 


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.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8
Consumer complaint received 2024-07-15
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. (PR)

The following accounts are reporting in a inappropriate manner.Remove this accounts because the payment history is continued reporting after this accounts was closed. 


XXXX  XXXX. XXXX date close XX/XX/year> and XXXX XXXX XXXXXXXX date closed XX/XX/year>
Consumer complaint received 2024-07-16
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)

Recently i did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 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. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Consumer complaint received 2023-04-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC (FL)

I received an email on XXXX of XX/XX/2023 by a Cedars Business Services claiming that I owed some debt. I kindly and promptly replied the same day that I was like to request validation of the debt claimed owed, I gave a list of the items requested and asked that they not communicate with me further until they provided me with the requested documents. 
Not only did they NOT respect my request by sending me via XXXX mail a bill to my home address, WITHOUT cause or consent. 
Then when I ask about that they say 'they cant seem to find any bill sent to me ', so I had to show proof to them as if they are accusing me of making it up. 
Then today on XXXX XX/XX/2023 they finally sent me via email SOME of the items requested but NOT all of them. 
If I am being asked to pay something they should be able to verify & validate debt claimed owed! Especially in this case, this is over {$2000.00}! 
They are trying to say that " We have only received this document from the client, and this is sufficient to validate the claim. '' As if their client is without fraud or error...?? 
*See Attached* for all communication from this place I informed them today that I would be reporting them & to expect a Cease and Desist from me in the coming days.
Consumer complaint received 2024-07-20
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. (FL)

I am now requesting proof of the previous investigation. ( XXXX XXXX ) XXXX asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated credit report.
Consumer complaint received 2017-10-31
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (MS)

WellsFargo admits to changing my account without my consent form savings to checking with no overdraft protection. WellsFargo admits they were aware that I already had a checking account with overdraft protection.
WellsFargo also admits they received a refund from a merchant after automatically withdrawing funds from the unauthorized account sending the account into overdraft for more than {$1000.00}. 


WellsFargo admits I told several bank representatives about the strange account activity. WellsFargo admits a bank manager and assistant manager have written emails with additional questions where I swiftly responded. 

Now WellsFargo claims to not use email to communicate with customers. WellsFargo also can not explain how activity occurred on a closed account. 

WellsFargo claims I deposited a check into this closed account with no overdraft protection. I never saw this check nor authorized the deposit. 

When they respond to this I will post it. It shall read as all others. WellsFargo admits no wrongdoings. WellsFargo has no explanation of the experience and will not investigate. WellsFargo has finished responded because WellsFargo is not governed by the CFPB and is not required to respond further. 

Over {$14000.00} was drained from the unauthorized account. After my second complaint to CFPB WellsFargo sent an email admitting massive fraud but still refused to explain the obvious theft from my account. 

I have several emails from XXXX XXXX and XXXX XXXX of WellsFargo from my initial 2 complaints. Since then WellsFargo claims to have implemented a company wide policy eliminating email communication.