davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-18
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. (GA)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-08-08
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 am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-08-08
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. (NY)

I have called countless times since XXXX regarding unauthorized fraudulent inquiries on my credit report and XXXX and equifax have failed to remove them. I have mailed letters, made phone calls. spoke with countless representatives regarding the identity theft. ii have filled out identity theft report and multiple documents regarding my claim. according to 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) unauthorized inquiries are not to be reporting on my credit report however my rights are being violated as a consumer. The inquiries are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I spoke with XXXX with a file # XXXX and case # XXXX. she told me these inquiries would be removed equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I have mailed documents countless times to both bureaus and they have failed to acknowledge my request. please have these inquiries removed IMMEDIATELY. XXXX MONTHS AND XXXX MONTHS TO NOT HAVE REMOVED FRAUDULENT INQUIRIES IS A VIOALTION OF MY CONSUMER RIGHTS. ESPECIALLY WHEN I HAVE PROVIDED THE NECESSARY DOCUMENTATION ASKED.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NJ)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXXXXXX XXXX  XXXX - XXXX XXXX - XXXX
Consumer complaint received 2024-08-08
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. (AL)

The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX {$0.00} And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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.

and according to 15 USC 1681s-2 they are supposed to 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 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NV)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX XXXX : {$1200.00} XXXXXXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX  XXXX XXXX : {$0.00}
Consumer complaint received 2023-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Im complaining about an unauthorized inquiry that was established on my credit report on XX/XX/2022 from XXXX XXXX. Ive been trying to get this inquiry removed off my report for over year to no avail.I was finally informed by Equifax that my previous FTC report was inaccurate and that I had to file another one.I have no open account associated with the inquiry.
Consumer complaint received 2023-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (AZ)

I had a BMO account in XX/XX/XXXX. In XX/XX/XXXX I went to BMO to do a wire transfer. I paid the {$30.00} fee for the transfer. When I spoke to the company that was to receive my funds I found out that BMO did not put the transfer through. When I called BMO not one representative at the bank would speak to me. I was consistently referred to the Fraud Department. When I spoke with a XXXX in the Fraud Dept she informed me that my account was restricted due to deposits into my account not in my name. After discussing the situation XXXX explained that if I were to take the person to BMO with an ID they could receive the funds that came into my account in their name. That was not true. We went to BMO, as directed by XXXX, myself along with my friend and his ID. And being that no one was permitted in the bank due to COVID-19 we went to the drive-up teller. The tellers would not assist. We were told to go into the bank. Which was not a possibility since no one was permitted in any bank. I called XXXX back in Fraud. The conversation went in circles since she now claimed she did not tell us to do that. And that at this time my account was being turned over to legal. I received a letter from XXXX via USPS on XX/XX/XXXX telling me that my account was closed and any balance would be mailed to me. In XX/XX/XXXX my balance online showed {$19000.00}. On XX/XX/XXXX the balance online for my account disappeared and I can not get anyone to tell me what happened to my funds. Including the amount, I deposited for the initial wire transfer of {$9500.00}. The letter I received telling me I would receive any balance in the account once closed never happened. At this time I can get no assistance from anyone at BMO.
Consumer complaint received 2024-09-11
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)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense XXXX  this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-08-08
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (KY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$1500.00} XXXX/XXXX  XXXX XXXX XXXX {$0.00} XXXX BANK XXXX XXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX  XXXX Balance : {$8400.00} XXXX/XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$930.00} XXXX XXXX  XXXX  XXXX Balance : {$710.00} XXXX XXXX  XXXX Balance : {$230.00} XXXX XXXX  XXXX Balance : {$4400.00} XXXX XXXX XXXX Balance : {$840.00} XXXX/XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  VERIFY XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-09-11
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: Experian Information Solutions 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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

I have reviewed my report recently. There were names and addresses on it that are incorrect- spelling errors or just plain wrong. PLEASE Fix EVERYTHING in my personal infomation that is NOT the following : This my legal name : XXXX XXXX XXXX please delete any other references to names as they are not mines and I have never used any of them. My address : Also, please be sure that my address is listed correctly. my address should XXXX XXXX XXXX XXXX XXXX XXXX Please send me a new report when you are completed so i XXXX continue to verify its accuracy. Thank you for your understanding
Consumer complaint received 2024-09-22
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Illinois XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX, XXXX, TX XXXX Dear Credit Bureau After carefully reviewing my credit report, I notice that the following accounts listed below are inaccurate. The open date, the date last active, the date of last payment are showing inconsistently between all three credit bureaus. I was reading over the Fair Credit Reporting Act Section 1681e ( b ). You are supposed to assure maximum possible accuracy. Can you investigate the accounts listed below? 


XXXX XXXX After reviewing my credit report this account is reporting the incorrect open date, date of last payment, and date last active, can you reinvestigate this account according to section1681i of the fair credit reporting act. After your reinvestigation if you found this account tone inaccurate or incomplete or can not be verified can you delete this account according to section 1681i ( 5 ) of the fair credit reporting act.
Consumer complaint received 2024-08-08
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)

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX. I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you XXXX opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the XXXX XXXX XXXX XXXX XXXX and financial hardship that your actions have caused me. Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXXXXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. I expect a prompt response within XXXX DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. Please send all correspondence related to this matter to the address listed above.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-09-11
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: Experian Information Solutions Inc. (MD)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I am writing to dispute inaccurate information on my credit report. The account in question is listed as follows : * Creditor Name : XXXX * Inaccuracy Details : incorrect balance, incorrect date of last payment, incorrect date of last active, incorrect date of last reported, incorrect date opened. I have previously contacted your bureau regarding this issue, but the inaccuracy remains unresolved. According to the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure that the information reported on my credit file is accurate and complete. You have broken my rights under the consumer law 15 USC 1681e ( b ) Duty to Provide Accurate Information. Please confirm receipt of this letter and provide written verification of the actions taken to address this dispute. I trust that you will handle this matter with the urgency it requires. Thank you for your immediate attention to this matter.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

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 2023-04-15
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Here is dispute info I sent two months ago I have no printer so I could not use form sent but answered questions best I can numbering them as per form What other info needed as I contest this decision and want it reopened Dispute Info : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, UT XXXX RE XXXX {$3.00} XXXX {$17.00} XXXX {$3.00} Dear Sir : I have no fax or printer so I am consolidating above three requests from DOCUMENT Letters sent to me by email. 
Since there is no available Capital One email I can use I can not photocopy form replies requested so I will do so here Questions asked : 1. The merchant billed overage as stated above 2. Yes I emailed XXXXXXXX XXXX many times different depts and asked to pass to ADMIN. After many email, they asked me to come into their customer relations dept to discuss (! ) I work and busy and can not afford to take day off, travel to hospital to discuss minor overcharges above 3. see # 2 4. I have no printer so I can not attach photocopy of receipts from hospital as requested I can do this if Capital One email is provided to me XXXX # XXXX
Consumer complaint received 2024-08-08
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)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

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 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (VA)

Didn't receive written notification about the Debt. The alleged debt is not mine, and i am a victim of XXXX XXXX XXXX. I am requesting that this false misleading information be removed from my credit files asap.