davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-02
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Did not receive car title
Company: EQUIFAX, INC. (FL)

I recently reviewed a copy of my equifax credit report notice I have fraudulent and inaccurate balances on my account as well data breaches XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX this these fraudulent and accurate and false information consist of personal credit card auto loans and inquiries XXXX XXXX bank account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX the information listed on these accounts is not accurate please remove all fraudulent accounts immediately due to law case ( PURSANT TO F.R.C.A 605B 15 USC 1681C-2 )
Consumer complaint received 2024-10-02
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. (FL)

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 information is inaccurate.
Consumer complaint received 2024-10-02
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. (OR)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I couldnt believe my eyes this morning when I found inaccurate accounts on my credit report, and I have no idea why theyre there. I check my report regularly, but this time, there were errors I didnt expect. I tried refreshing my browser to see if it was just a glitch, but the discrepancies remained. Im asking for a careful review of the documents Ive sent so I can stop worrying about this once and for all.
Consumer complaint received 2024-09-20
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)

My identity was stolen from me and I haven't been able to figure out who's responsible for my credit report. I am asking that my complaint be taken into consideration immediately. This is fraudulent activities and these accounts and inquires that's reporting on my credit need to be removed. Please review the attached documents below.
Consumer complaint received 2024-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (GA)

I requested a hardship withdrawal from my XXXX XXXX on XX/XX/XXXX, I received the check in the mail on Monday XX/XX/XXXX totaling over XXXX XXXXXXXX. I deposited the check into my account and it cleared on XX/XX/XXXX, on XX/XX/XXXX the check was returned due to insufficient funds. I contacted navy federal who told me the bank that issued the fidelity check ( XXXX XXXX ) did not have sufficient funds to cover the check. I called XXXX to get more information and they read 21 federal provisions from a script and told me I needed to figure it out with my bank. They refused to give me any information for hours until at XXXX pm they told me they were having technical difficulties. I still did not get a timeline for the release of my funds and my home purchase is now in serious risk. The banks involved ( XXXX, XXXX XXXX, and navy federal ) did nothing to help me to find out what happened to my deposit except for trying to cover it up and play the blame game with the other banks. I think this careless mismanagement of money is a danger to the consumer and they need to be held accountable. To this minute I still have no idea what has happened to my hard earned money nor a timeline for a resolution.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (RI)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

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
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-13
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (HI)

i filed a claim XXXX with cfpb for my bank of america prepaid account. i was told there was a response to my issue and told the bank would reach out to me or to reach them at XXXX XXXX XXXX ext XXXX i was not sent a response if it was sent i did not recieve it. there was no response made on the cfpb web portal. when i call the number and enter extension i am just given the run around from automated system then the call is disconnected. i still dont have any results or acess to my money.
Consumer complaint received 2024-09-13
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: Experian Information Solutions Inc. (WI)

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 information is inaccurate.
Consumer complaint received 2024-09-13
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: Experian Information Solutions Inc. (GA)

Someone or group of people had acquired access to confidential information and personal information where they used it to engage in all forms of financial activity. From opening accounts to maxing out credit cards and attempting to gain membership within credit unions. Thousands of dollars spent on card accounts and left unpaid as well as attempts to purchase vehicles under my name. Once I knowledge of these actions and accounts I tried contacting the companies directly to inquire on about them and close them down. I also contacted the credit bureaus to inform that these accounts were not mine and I was a victim of identity theft.
Consumer complaint received 2024-09-13
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: Experian Information Solutions Inc. (GA)

You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.

Please see the attached disputes sent over the last few months.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 Account # XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX & XXXX Account # : XXXX XXXX  XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : 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 an 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 or 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 2024-10-25
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Exeter Finance, LLC. (SC)

XXXXXXXX XXXX call to the business- Representative made an attempt to transfer my call twice to two different managers and they both hung up when they thought the Representative completed the transfer. 
Sent two letters requesting information and the removal of the debt to XXXX, XXXX, XXXX, and Exeter. 

Request for Investigation, Removal of Erroneous Charge-Off, and Compensation from Exeter Finance The charge-off has been classified as a profit and loss write-off by Exeter Finance, which raises concern as it implies that the debt has been reported as a loss on the creditors books. According to the Fair Credit Reporting Act ( FCRA ) and Generally Accepted Accounting Principles ( GAAP ), creditors are required to accurately classify and report debts, which includes distinguishing between debt forgiveness and actual charge-offs for profit and loss purposes. However, this account appears to be incorrectly filed as a profit and loss event, which I believe constitutes an inaccurate reflection of my financial history. 



Notice of Right to Dispute Not Provided : Additionally, I did not receive notice of my right to dispute this debt, as required under the Fair Debt Collection Practices Act ( FDCPA ), Section 1692g. This notice, mandated by law, ensures consumers are aware of their rights to verify and dispute debt claims. The failure to provide this notice has denied me the opportunity to address potential inaccuracies with Exeter Finance promptly, further complicating this situation. 



Legal Background and Request for Compensation : Under Section 1692k of the FDCPA, a consumer may be entitled to damages resulting from a violation of the Act, including a failure to provide the required notice of the right to dispute. Furthermore, the FCRA ( 15 U.S.C. 1681n ) allows for statutory damages if a violation is proven to have been willful, such as the inaccurate reporting of my debt and Exeters misclassification.

I believe I am entitled to compensation due to the adverse impact of Exeter Finances actions on my credit score, financial standing, and peace of mind. In light of these circumstances, I respectfully request an investigation into Exeter Finances practices regarding this account, along with monetary compensation as outlined under the FDCPA and FCRA.
Consumer complaint received 2019-12-31
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

On XX/XX/2019 I submitted a dispute on a medical bill acc # XXXX with your company which came back as verified on XX/XX/2019 via mail. This can not have been investigated properly because I also disputed this with the creditor ( XXXX XXXX XXXX ) in witch they responded on XX/XX/2019 with the cftp stating that this account would be removed from all three credit bureaus SEE ATTACH LETTER FOR PROOF FOR DELETION. ALSO I ATTACHED A COPY OF THE VERIFICATION LETTER THAT YOUR COMPANY SENT ME 0N XX/XX/2019. REMOVE THIS FALSE ACCOUNT IMMEDIATELY FROM MY REPORT AS I HAVE ATTACHED THE PROOF THAT THIS ACCOUNT DOES NOT BELONG TO ME! FAILURE TO DO SO WILL RESULT IN A LAWSUIT AGAINST ALL PARTY 'S INVOLVED. SEE ATTACHED DOCUMENTS
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: Experian Information Solutions Inc. (SC)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under XXXX XXXX. XXXX, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-10-23
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: CITIBANK, N.A. (KS)

I disputed a charge for the amount of {$52.00} on XX/XX/year>2024 with Citi bank. It said the dispute would be resolved no later than XX/XX/year>2024. It is still outstanding on XX/XX/scrub>, 2024. I tried to contact the bank several times and they keep asking me to wait.
Consumer complaint received 2024-09-13
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: Experian Information Solutions Inc. (NY)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

Experian kept an old late payment, which was not my responsibility, on file and show it as if it is current. 

I bought a home in XX/XX/XXXX with a loan. I setup an autopay for it. The loan was sold to the current lender ( XXXX  ) in XX/XX/XXXX, in the first two months they kept the old system, so my autopay went through successfully. On the third month, XX/XX/XXXX, they stopped the old system, but without notifying me the change in time, so I got caught in the middle for a one month late pay, but when they reached me eventually I made the payment right away and never had any late payment anymore. 

This late payment are not showing on other credit bureau 's report, but Experian keep showing it and as if the late payment is current. 

This issue cost my Experian credit score XXXX points lower than the scores from other two bureaus.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

In accordance with 605B of the Fair Credit Reporting Act, I am submitting this complaint regarding fraudulent accounts that were opened in my name without my knowledge or consent. These accounts are the result of identity theft, and I have already filed a dispute with the relevant credit reporting agencies. However, they have failed to act in accordance with 605B. As required by law, I am providing the necessary documentation, including my FTC Identity Theft Report, proof of identity, and a signed statement confirming the accounts were not authorized by me. Under 605B, the credit reporting agencies must block and remove this information within **four business days**. Fraudulent Accounts Identified : XXXX. XXXXXXXX XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$27000.00}. XXXX. XXXX XXXX XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$11000.00}. XXXX. XXXX  XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$6900.00}. XXXX. XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$24000.00}. XXXX. XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$3700.00}. XXXXXXXX XXXX XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$2900.00}. XXXX. XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$5800.00}. XXXX. Collection account from XXXX XXXX with account # XXXX and a balance of {$12000.00}. The original creditor is XXXX XXXX XXXX. 

I request immediate action in blocking and removing these fraudulent accounts. Please ensure the credit bureaus comply with the FCRA as these accounts are causing significant damage to my financial standing.
Consumer complaint received 2024-10-02
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. (PA)

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 information is inaccurate.