davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NY)

I have been having issues with Equifax Credit over my credit report for years. There is always an issue accessing my Equifax report credit report online. I have been told that my report is too large, my file is mixed up with someone else, or 10 other things. I have complaints and complaints and it's always the same response " We will escalate this to our back office over and over again. I have had my credit report completely deleted and I had to wait for my existing creditors to re-report my accounts again. I lost all of my historical data because of Equifax. 

Now for the past 5 months, I have been unable to view my report online and their response is always the same. You need to send us a copy of your Driver 's license and SS card, or we will escalate this to our technical support department or back office team, 5 months later, 13 calls to them and I still can't access my report online. I don't need them to send me a copy of my report. I want to view it online like everybody else can.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

I have been trying to log into XXXX XXXX XXXX XXXX and they have my Equifax blocked and I dont know why and my Score isnt updated. I have called all three bureaus, they said it will be updated and nothing has changed, its been weeks now. On XXXX the score isnt updated, and I still have items that isnt reporting, correctly. My XXXX  isnt reporting correctly.
Consumer complaint received 2024-10-04
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)

( XXXX XXXX ), ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of XXXX XXXX and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card opened at XXXX XXXX XXXX opened on XX/XX/XXXX under account # XXXX, a personal credit card opened at XXXX XXXX XXXX  opened on XX/XX/XXXX under account # XXXX, a personal credit card opened at XXXX XXXX XXXXXXXX XXXX opened on XX/XX/XXXX under account # XXXX, a personal credit card XXXX XXXX opened XX/XX/XXXX account # XXXX a personal credit card opened at XXXX XXXX XXXX opened on XX/XX/XXXX under account # XXXX, a cell phone account opened at XXXX XXXX account opened on XX/XX/XXXX under account # XXXX, a auto loan opened at XXXX XXXXXXXX XXXX opened on XX/XX/XXXX under account # XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of XXXX XXXX and fraud.
Consumer complaint received 2024-09-17
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. (NY)

I need your aid in resolving the incorrect account reflected on my credit report. The issue has hurt my reputation, and Im reaching out for your help. The mishandling of my report has left me devastated, so I insist that this inaccurate information be removed.
Consumer complaint received 2023-06-17
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: Keynote Consulting, Inc. (MN)

I had ( still have showing ) a delinquent credit account from XXXX XXXX XXXX XXXX out of XXXX, IL for an old credit card debt reported as {$1300.00} showing on a few credit reports, specifically experian. I tried to pay the debt to XXXX XXXX in XX/XX/2023 and they informed me they sold the debt to a collections agency, Keynote Collections. They gave me their contact info and I contacted them and paid the debt in full with the assurance that they would report the debt as paid to XXXX XXXX at the end of the month and then XXXX XXXX XXXX XXXX would update my credit report/file. In the beginning of XXXX I contacted XXXX XXXX XXXX XXXX XXXX asking for verification the debt had been paid and they said they still hadn't received payment from the collections company. I contacted XXXX Collections again to verify if they'd notified XXXX XXXX XXXX that I paid my debt to them. They informed me verification wouldn't be sent until the end of THAT month which was now XXXX, so they would be sending verification a month and a half after I had paid my debt to them. It's now XX/XX/XXXX, I opened another dispute with XXXX to dispute this item on my credit report. They closed the dispute within 1 day claiming that the account information was verified and updated. Nothing has changed. Basically they're falsely reporting a debt as " charged off '' when I've paid the debt in full. It's fraud what XXXX XXXX XXXX and Keynote Collections are doing. They're failing to report a debt that I've paid and I have documentation showing that I've paid said debt.
Consumer complaint received 2024-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 XXXX XXXX, 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 XXXX out of XXXX 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.
Consumer complaint received 2023-11-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

I recently in XXXX requested a new debit card on XX/XX/XXXX. On the XXXX of XXXX I received a notification that my spending limit for the day has been reached. I check my account and XXXX XXXX dollars is gone. I see XXXX transactions of an amount between XXXX dollars being charged to my account. With each transaction is an international fee which is why there is so many transactions. I currently am living in XXXX Texas and have not traveled or purchased anything online out of the country. I immediately at XXXX called my bank to report the claim. I explained to them how I dont even have this particular card thats being charged yet Ive just placed the order for this card. They still decided to deny the claim. I opened another claim trying to understand why this claim was denied that if they needed any additional information they should let me know. I called every week for XXXX months asking the status of the claim and if they have any questions they always say no. Wells Fargo has yet to call me. They have now continued to deny my claim. This is a lot of money for me and I never authorized or even know where these purchases came from. Wells Fargo has sent me letters saying they declined my claim and when I call they state no its still open we are having an error with our message center sending false emails. When I call the next day someone XXXX says oh yes its closed. Then leaving me to try to open a new claim. I have filled XXXX complaints and still havent received a call. Please help I feel like the company is playing around with me and trying to keep my money.
Consumer complaint received 2024-09-17
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 15 U.S.C. 1681n, 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 2024-10-04
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2022, capital one closed my account based on an accusation of one of my XXXX recipients claiming they did not send any payments to me, which they did. I wake up, I see my bank is locked and I call and try to explain everything and they literally did not care or even CONSIDER my word. I even offered them concrete PROOF that the person sent me money. They claim he is disputing the payments with his bank. I'm like how in the entire heck will I even have access to someone's bank and send money to myself on XXXX? Ridiculous. They then tell me they are closing my bank and I should get a check in 10-12 business days. I'm checking the mail, I realize I didn't even get any check yet and I call them today just to verify if it's sent yet and ask when was the check mailed out. The fraud team then tells me " A check has not been mailed out yet because we're still investigating if its fraud or not '' I'm furious and absolutely XXXX because not only did they lie and tell me my balance is going to be mailed to me after they claimed they are closing my account, they didn't even TELL me that my funds will be HELD! I am so disgusted with capital one, choosing someone's word against mine. The worst bank I've ever experienced in my entire life. The first time I tried to get this handled, the ladies I spoke to in the fraud department sounded very rude, standoffish, unprofessional, and not of any help over the phone, then asked me about payments I received from other people that weren't even disputed. Like why are you trying to solicit unnecessary information from me? The lady I spoke to today claims that they do not even know when I will get my money or when this insanely slow " fraud '' investigation will be over. I'm appalled. The email to my capital one account is XXXX XXXX
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

I contacted the three major credit reporting agencies. I explained that I am a victim of Identity theft. I provided them my police report, DL, Social security card, FTC report, and now asking your agency to get involved. Some how all my credit profiles, are locked with the three major credit reporting agencies. I believe the individuals who stole my identity placed a lock on my profile. I need those lock removed.
Consumer complaint received 2024-10-04
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. (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. 

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, 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 Any other adverse item of information, other than 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 2023-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

Capital One held me responsible for a check passed with a fraudulent indorsement. I used Capital One 's bill-pay feature to pay for my child 's monthly XXXX tuition. Every previous check sent in this manner was deposited with the school 's deposit stamp in the indorsement box on the back of the check, and this particular check was cashed with a personal signature. I verified the school never received the payment, and then I contacted Capital One requesting a refund. They denied the claim explaining they " didn't find any errors with the payment. ''
Consumer complaint received 2024-09-17
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)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

"
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-12
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)

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 2024-10-05
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)

Hi Equifax, this is a second time I checked my credit report and still saw this fraud collection account under my credit report WITHOUT my knowledge. This fraud collection account from XXXX XXXX XXXX WAS OPENED DUE TO FRAUD AND SHALL DELETE from my credit report. The fraud account number is XXXX shall delete from my credit report as agreed by the original creditor XXXX XXXX XXXX XXXX. I was told that inaccurate MEDICAL BILLS shall NOT SUPPOSE TO REPORT ON my credit report.
Consumer complaint received 2024-09-17
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. (TX)

I reached out on XX/XX/year> and disputed balance / requested. Validation of debt. XXXX responded with false ledger that did not belong to me. I then submitted court documents, police reports, FTC report, and full ledger from orginal creditor advising I never owed a balance. 

The credit bureaus and procollect are not replying with requested information and it is now XX/XX/year>. It has been way over 30 days. This debt should be removed
Consumer complaint received 2024-10-05
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. (CA)

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/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
XXXX  XXXX BALANCED {$5100.00} XXXX  XXXX BALANCED {$2400.00} XXXX XXXX BALANCED {$0.00} XXXX  XXXX XXXX BALANCED {$0.00} XXXX  XXXX BALANCED {$170.00} FST XXXX  XXXX BALANCED {$770.00} XXXX  XXXX XXXX BALANCED {$2000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX BALANCED {$170.00} XXXX XXXX  XXXX BALANCED {$57000.00} XXXX XXXX BALANCED {$170.00} XXXX XXXX XXXX BALANCED {$180.00} XXXX  XXXX  XXXX BALANCED {$1000.00} XXXX XXXX XXXX XXXX BALANCED {$0.00} DEPT OF ED XX/XX/year>
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-05
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 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 XXXX and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting account 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 XXXX XXXX Balance : {$21000.00}