davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-23
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE (NC)

On XX/XX/year> I went to XXXX to get XXXX Money Orders for {$450.00} to pay Rent for an Apartment that I had just moved into. My Rent is {$910.00}. When I went to the Apartment 's Leasing Office to pay Rent for XXXX, I was told that Money Orders could not be accepted as payment for Rent. This information was in the Lease Agreement. On XX/XX/XXXX I put in a Request to Western Union for Refund on the XXXX Money Orders, ( since I had already filled-out the Apartments Name on the Western Union Money Orders ). They sent me an email stating that they were reviewing my Request and sent me a case number for Both Request. For Money Order XXXX the Case Number is XXXX. For Money Order XXXX the Case Number is XXXX. On XX/XX/year> I received an email that for Money Order XXXX I could Pick-Up a Cash Refund for the Amount of {$440.00}, because there is a {$15.00} Refund Fee. Western Union provided a Tracking # XXXX. With this information along with my ID I Picked-Up {$440.00}. To date, I have not Received an email to Pick-Up the Refund for the other Money Order. Approximately XXXX weeks ago I contacted Western Union through a Chat Service they offer. The person that I Chatted with said they would Prioritize my Request. I have heard nothing since.
Consumer complaint received 2024-10-19
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: NATIONAL DEBT RELIEF LLC (NY)

National Debt Relief promised to help me settle debts with creditors. However they did not live up to their promise and just continuously took money monthly from my account to which the creditors only got {$200.00}. Ive attached the statements I received and now I face severe financial crisis. I want my money returned
Consumer complaint received 2024-07-22
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-07-22
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. (TX)

Recently I reviewed my credit report and noticed several inaccuracies on my account. These account is hurting my ability to obtain credit. THESE ACCOUNTS WAS OPEN WITHOUT MY KNOWLEDGE AFTER I HAVE LOST MY PURSE WITH MY WALLET IN THERE. I HAVE BEEN DEALING WITH THIS ISSUE TO LONG AND NOW IM AM STARTING THE PROCESS OF CIVIL LITAGATION FOR THESE INACURATE ACCOUNTS BEING REPORTING. 

THESE ARE THE ACCOUNTS 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 15 USC 1681 and 1692 LAW which requires validation of DEBT.under XXXX XXXX XXXX permissible purpose this illegal. I'm demanding for them to stop harassing me and causing me to have mental breakdowns that's effecting my life immediately. 

This debt has been Charged-Off by the Original creditor, which means, that the debt has been paid and is considered income. Since a Charge-Off is considered Income, it has to be removed. Income can not be reported on credit files
Consumer complaint received 2023-05-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

I filed a dispute with BOA made a complaint here, I received an obscure email asking me to call I called and was navigated to a strange voicemail box, no identifying information. I see patients in appointments all day and am not available to answer my phone at BOAs discretion. Their customer service is shady. They made no allowance for me to upload documents documenting my dispute in their banking app. Im the customer and I believe that a {$500.00} hair service that ruined my hair for years is worthy of disputing. I will include BOA in my small claims actions just for their shady banking practices
Consumer complaint received 2024-07-22
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)

Dear CFPB, I am writing to file a complaint against XXXX of XXXX, NJ, regarding an unauthorized credit inquiry and misrepresentation during a recent car purchase attempt. 

On XXXX, XXXX, 2024, I visited XXXX of XXXX, NJ, ( XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ) to purchase a vehicle. After selecting a car, the next step was to finalize the financing process. During this process, I inquired whether the dealership would consider taking my used car as a trade-in. The sales representative agreed, and I informed them that I would return with the vehicle and the agreed-upon down payment in cash. 

While I was at the bank to obtain the down payment, I received a call from the sales representative informing me that the car I had selected was already sold XXXX days prior, and they had made an error. I immediately asked if my credit had been run, and the sales representative assured me that it had not. 

However, shortly after this conversation, I received a notification from my bank indicating that my credit had indeed been run without my authorization. I returned to the dealership to request a copy of my credit application. The document I received was only partially completed and did not include my signature, clearly demonstrating that my credit was checked without my final consent. 

I am deeply concerned about this breach of trust and unauthorized action, which has impacted my credit report. I request that the CFPB investigate this matter and ensure that the dealership is held accountable for their actions. 

I appreciate your attention to this issue and look forward to your prompt response.
Consumer complaint received 2024-07-22
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. (MI)

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

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

3. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXXXXXX Account Number : XXXX  Please remove it from my credit report. 

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

6. 15 U.S. CODE 1692e - False or misleading representations XXXX  Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXXXXXX XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

I requested that XXXX XXXX XXXX XXXX acct # XXXX XX/XX/year> be removed from my credit report. 1 ) account belonged to XXXX XXXX XXXX XXXX 2 ) was included in bankruptcy and paid off. Account is old but keeps returning to my credit report.Remove account.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

It is my personal statement that the listed inquiries are fraudulent and not created by me and must be deleted due to identity theft. Pursuant to 15 USC 1681c-2 please delete these inquiries. Also, please update my file to reflect accurate personal information pursuant to 15 USC 1681e ( b ).

see attached identity theft report.
Consumer complaint received 2024-07-22
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. (AZ)

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 XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


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 2024-07-22
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. (NV)

I am filing a complaint regarding a potential violation of 15 U.S. Code 1692b by XXXX. XXXX 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 XXXXXXXX According to the Fair Debt Collection Practices Act ( FDCPA ), this statute prohibits debt collectors from communicating with third parties in connection with the collection of any debt, except as provided in the statute, without prior consent of the consumer.
Consumer complaint received 2024-07-22
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. (NV)

XX/XX/year> I mailed out some disputes disputing inaccurate use of my credit report to Equifax and I have not heard back from these companies nor received any mail updates regarding my consumer report. 

SEE ATTACHED DOCUMENTS
Consumer complaint received 2024-07-22
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)

XXXX XXXX XXXX XXXX  is not reporting accurate information, Transactions or experience are excluded from the information on consumer reports accordsing to Congress. Please remove this late payment to prevent future litigation. XXXX XXXX University accounts needs to be deleted immediately this account do not belong to me. According to the FCRA all information must be 100 % accurate. XXXX XXXX needs to be deleted this account is not reporting accurately.
Consumer complaint received 2024-07-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.
Consumer complaint received 2024-07-22
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)

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

Dear CFPB, I am writing to demand the immediate removal of incorrect information from my credit report. Despite contacting the credit bureaus multiple times, inaccurate details persist, which violates the Fair Credit Reporting Act ( FCRA ). 

Incorrect Information to be Removed : Names : 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 XXXX XXXX XXXX XXXX XXXX XXXX Violations of the Fair Credit Reporting Act ( FCRA ) : Accuracy Requirement : The FCRA mandates that credit reporting agencies ensure the accuracy and completeness of information on credit reports. The incorrect addresses and employer information clearly violate this provision. 

Right to Dispute : As a consumer, I have exercised my right to dispute inaccuracies multiple times. The credit bureaus are required to investigate and correct these errors within 30 days, which has not occurred. 

Obligations of Furnishers : Furnishers of credit information must provide accurate data. The continued presence of incorrect information indicates a failure to comply with FCRA obligations. 

Timely Corrections and Notifications : The credit bureaus and furnishers must correct any inaccuracies and notify me promptly. Despite my repeated efforts, these requirements have not been met. 

I request the immediate removal of all incorrect information from my credit report. I am providing my correct information below for your reference : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, GA XXXX Employer : XXXX XXXX I expect your prompt attention to this matter. Please confirm receipt of this letter and the actions taken to resolve these issues. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX
Consumer complaint received 2024-07-22
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 of the Fair Credit reporting act.The account below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Hard Inquiry Acct Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy And according to 15 USC 1681eb they are supposed to ensure this 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.

15 USC 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 7 years 1
5 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 2024-07-22
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. (TX)

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
Consumer complaint received 2024-07-22
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. (CO)

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX 15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666b- Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless thecreditorhas adopted reasonable procedures designed to ensure that each periodic statement including the information required bysection 1637 ( b ) of this titleis mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2024-07-22
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. (AZ)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


2. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX  Account Number : XXXX Delete this account. 


4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX XXXX Account Number : XXXX Delete this account. 


6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report.
Consumer complaint received 2024-07-22
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. (DC)

Today I look at my credit report and I NOTICED 3 fraudulent accounts 1. XXXX XXXX open around XX/XX/year> with XXXX, XXXX. XXXX XXXX open around XX/XX/year> XXXX owed, and XXXX XXXX opened around XX/XX/year>. I have requested more information from each company. I have put a freeze on all of my accounts. I have filed a policy report and also a report with FTC. 
During Covid we allowed a friend of the family to come stay with us for six month, This person XXXX XXXX stole Infromation like my date of birth, ssn and had access to my phone, and within a 3 month period opened 3 fraud accounts. I was a victim of identify thief,
Consumer complaint received 2024-07-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (FL)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.
Consumer complaint received 2023-08-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Received a letter on XXXX saying " an isolated technical issue, which has since been resolved, '' .... yielded a dispute on my report that was submitted months before had not be sent the results at the conclusion of the investigation. 

First of all, this was vague and " isolated technical issues '' should not be happening in such an important aspect of a person 's financial information. I am sure " technical issues '' happen quite a bit in these credit reporting agencies. 

Due to the disputes not being noted on credit report and UNEXPLAINABLE algorithms used along with processes to determine scores, my score went from XXXX at the beginning of 2023 to XXXX currently according to XXXX Transunion is the agency they seem to use with their reporting. This is disturbing and it appears these companies are in cohots with one another because once your score tanks, you then get offers via wallethub for high interest cards and loans. I also question the accuracy of the reports. 

In addition, there should be a full investigation into all CB and legislation to control how they determine processes to print scores ; at some point they should become a non-entity in determining credit worthiness due to the lack of integrity in the processes. 

I want my score corrected and reinstated to XXXX and above and to stop dropping EACH DAY IN XXXX and all disputes input that I sent in XX/XX/2023.