davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-04
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. (FL)

I reviewed my Consumer Reports and noticed that I had 4 late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX  XXXX : XXXX Please investigate and provide, Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2024-08-04
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. (MD)

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  and list of Inquiries. 

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

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2023-03-21
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: Experian Information Solutions Inc. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-03
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. (AL)

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 2024-08-03
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. (AR)

XXXX XXXX ran my credit without my permission with several companies, I mailed a letter a requested removal with no response. The date XXXX XXXX ran my credit was XXXX, they also sent in my information to XXXX XXXX  on XXXX and XXXX XXXX XXXX XXXX XXXX. I also mailed in a statement to all three credit bureaus explaining this inadmissible inquiry and have yet to get a response.
Consumer complaint received 2023-03-21
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: Experian Information Solutions Inc. (TX)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

My account with those creditors was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date an
d this information was requested in good faith pursuant rule 1002 and It was never provided.

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

Delete the late payments from my consumer reports
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXX XXXX XXXX, I do not live at this address and i do not have a business at this address. According to the fair credit act 15 U.S. Code 6802 ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, 15 U.S. Code 6802 ( b ) ( 1 ) In general-A financial institution may not disclose nonpublic personal information to a nonaffiliated third party Also15 U.S. Code 6802 ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; I never received any notification saying that my information would be shared and who verified it? 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2024-08-03
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. (LA)

Complaint I am writing to formally dispute the following inaccuracies on my XXXX credit card account, as required by the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq. 
On [ XX/XX/2024 ], I submitted a dispute to XXXX XXXX regarding [ Charge off account # XXXX ]. XXXX XXXX was obligated to complete its investigation within 30 days, as outlined in 15 USC 1681i ( a ) ( 1 ) ( A ). However, to date, XXXX XXXX has failed to respond to my dispute, violating the FCRAs timeframes. 
Additionally, XXXX XXXX XXXX failure to investigate this dispute has prevented me from exercising my rights under 15 USC 1681i ( 5 ), which requires the deletion of unverifiable information. By not verifying or correcting the disputed information within the 30-day period, XXXX has violated this provision of the FCRA. 
Due to XXXX  noncompliance with the FCRA, I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and take appropriate action. XXXX  actions have caused me significant harm and inconvenience, and I expect full restitution for all damages incurred. 15 USC 1681s-2 ( 8 ) e, 15 USC 1681s-2 ( 7 ) I am attaching copies of all relevant documentation, including the dispute letter sent to XXXX and any correspondence received from them. I request a prompt investigation into this matter and appropriate enforcement action against XXXX XXXX XXXX Thank you for your attention to this matter. 
Sincerely, [ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX ]
Consumer complaint received 2023-11-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PNC Bank N.A. (MD)

I am a customer of PNC Bank, N.A. I live in XXXX, Maryland and have a good relationship with my local branch. At the end of XXXX ( XX/XX/XXXX ), I travelled to XXXX for a work colleague 's wedding. The evening of XX/XX/XXXX my Iphone was stolen from a restaurant/bar in XXXX XXXX XXXX The wedding was on Saturday, XXXX XXXX. I planned on filing an XXXX insurance claim on the XXXX when I returned to Maryland so I went to a local XXXX store and purchased a flip phone so I could make phone calls. I attended the wedding on Saturday and Sunday morning I was checking my email in a local cafe when I saw that there were three unauthorized XXXX transactions, each for {$1000.00}, each to an account under the name " XXXX XXXX. '' I had PNC online banking but had never set up a XXXX account and never authorized any transactions. I immediately called PNC bank and put a freeze on my account. I flew back to Maryland and went in to my local PNC Branch on Monday, XX/XX/XXXX. I met with XXXX XXXX, branch manager, who advised that someone had broken into my PNC online banking and set up a XXXX account. Only one of the {$1000.00} transactions had posted, so XXXX said I'll keep an eye on the account and dispute the remaining two {$1000.00} transactions when they post. In the meantime unlock your account and change the password. She also advised that I file a police report with XXXX which I did. She indicated that the {$3000.00} would be remitted to my account in approximately ten days. The money was never remitted to my account, I got a letter in the mail from PNC saying my claim was denied. I elevated the claim because these were unauthorized electronic fund transactions under 15 U.S.C.A. 1693. I spoke to several people from PNC " Executive Client Relations '' after my claim was elevated. I spoke with a XXXX XXXX who advised that PNC Bank, XXXX. does not have the resources to consider all of the information and evidence that I had submitted and offered to submit to support my claim that these were unauthorized transactions, and that my claim was denied. I spoke to XXXX XXXX from PNC executive client relations who told me that this situation is " no different than losing a wallet full of cash, '' and that PNC has no obligation to remit money to a consumer in the event of an unauthorized electronic fund transaction. I feel like PNC Bank, N.A. is disregarding their obligation under federal law. I returned to my local branch after speaking to executive client relations and again spoke with XXXX XXXX who expressed disbelief that PNC Bank N.A . had denied my claim. She indicated to me that it's " obvious '' that I was the victim of theft and she could not comprehend why PNC Bank, N.A. was denying my claim. I did not set up any XXXX account nor did I authorize any money to " XXXX XXXX. '' Whoever stole my phone also tried to steal money from me via XXXX and XXXX pay, but these transactions thankfully were denied.
Consumer complaint received 2024-08-04
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. (VA)

CFPB, Wanted to bring this to your attention XXXX XXXX XXXX  account has been closed over 3 years. Equifax has reinserted this account as open and still is reporting it on my credit report. Reported dates are XX/XX/year> and XX/XX/year> why are they doing that.
Consumer complaint received 2024-08-04
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. (LA)

I am a victim of identity theft. I recently learned that my personal information was used to open an account at these company. I did not open or authorize this account, and I therefore request that it be closed immediately.
Consumer complaint received 2024-08-04
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)

Company hasn't told me how the process works and has not removed the information reporting incorrectly which is against my Consumer Rights and grounds for relief through due process. Items are unverified and no one has told me step by step the process for verification.
Consumer complaint received 2024-08-04
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)

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 2024-08-04
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. (GA)

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 2024-08-04
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. (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. 

Account Number : XXXX XXXX XXXX XXXX : Account # XXXX : Balance : {$31000.00} Account Number : XXXX  XXXX : Account # XXXX : Balance : {$3200.00} Account Number : XXXX XXXX : Account # XXXX : Balance : {$1100.00} Account Number : XXXX XXXX  : Account # XXXX : Balance : {$31000.00} Account Number : XXXX XXXX  : Account XXXX XXXX : Balance : {$31000.00} Account Number : XXXX : Account # XXXX : Balance : {$800.00} Account Number : XXXXXXXX XXXX  XXXX : Account # XXXX : Balance XXXX {$23.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : RESIDENT VERIFY XX/XX/year> 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 2023-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

I was the victim of identity theft on XX/XX/XXXX. My phone and many accounts were compromised. I notified Wells Fargo that my phone had been hacked and I was worried that my accounts would be compromised while I was traveling. They said all I can do was monitor the accounts and notify them if something happens. I spent hours on the phone trying to find a way to prevent potential fraud since it had already occurred with another company I bank with. They couldn't help me and said nothing can be done until fraudulent activity is made. No real preventative measures can be made aside from changing passwords and adding a backup email. While I was traveling, I was locked out of my email and banking accounts and many transactions were made fraudulently which was my original concern. Upon returning in XXXX I spent countless hours over the phone and in person at various branches to fix all the fraudulent transactions. At this point I have rectified all transactions except for XXXX that is titled as " foreign currency online order '' for the amount of {$2900.00} and was withdrawn from my checking account on XX/XX/XXXX. I have endless notes documenting all the attempts and information I have been given. No department seems to know where to send me. I filed multiple claims and I have the numbers to them for this transaction. I faxed a letter in XXXX with claim numbers and describing what happened but no one has responded. I also filed a complaint to the bank. It has been over 6 months now and I still haven't received my money. I don't know what else to do.
Consumer complaint received 2024-08-04
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. (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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am a victim of XXXX. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of XXXX. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-08-04
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. (WA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.