davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (VA)

I submitted a lot of complaints regarding my concern about the removal of the Bankruptcy that I have on my credit report. XXXX clearly stated that they could not locate the following Bankruptcy records on my file. XXXX XXXX  XXXX. XXXX If XXXX can't locate it on my file. It means that these records are not mine and a result of FRAUD/ERROR and it needs to be remove on my credit report immediately, as you know they are in violation of the Fair Credit Reporting Act. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-07-30
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)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-07-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-07-30
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. (MO)

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 3rd party. They in fact did not come from a 3rd 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.
Consumer complaint received 2019-12-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: AMERICAN HONDA FINANCE CORP (CA)

On XXXX XXXX America Honda Finance pulled my credit without my official written consent and Denied my credit because of my XXXX   XXXX. 
I didn't authorize them to pulled my credit. 
Honda Finance violated my XXXX XXXX XXXX XXXX XXXXt under Department of Justice and didn't have a option or XXXX  in regards purchasing a vehicle, that's affordable under {$300.00} @ month. 
Honda dealer was trying to put me a vehicle that cost {$21000.00} in which l can not afford. 
XXXX XXXX dealership in XXXX, California also pulled my credit without my consent. 
If XXXX  XXXX of XXXX California and America Honda Finance doesn't have my written official signature is not valid. 
My credit scores was over 600 's and now because the hard pulls inquiries, my XXXX, XXXX, XXXX  scores are suffering and it went down to XXXX. 

I am respectfully XXXX XXXX and Retired. 

Auto application reference # XXXX for XXXX XXXX. 
Credit was pulled by XXXX  XXXX of XXXX, California and American Honda Finance on Saturday. XXXX XXXX. 
I wasn't at XXXX XXXX XXXX in XXXX, California when my credit was pulled. 

Information for XXXX/XXXX  XXXX dealership auto dealers, new XXXX XXXX  XXXX  XXXX, California XXXX XXXX Sales Manager of XXXX XXXX pulled my credit report on Saturday. XXXX XXXX around XXXX XXXX. 
Why pull my credit report twice? 
So my information can be shared by both parties. 

American Honda Finance Auto Financing Companies XXXX XXXX XXXX XXXX, California. XXXX XXXX XXXX fax. 
Mr.XXXX  XXXX pulled my credit and he never called me to ask me for my consent to pull my credit and he denied my opportunity to purchase a vehicle at XXXX XXXX dealership in XXXX, California without a downpayment. 
Denial because of my XXXX XXXX. 

I am respectfully XXXX Lifetime and Retired and a XXXX XXXX XXXX Military Veteran.
Consumer complaint received 2024-07-30
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)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2023-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I went to a Bank of America ATM and attempted to make a XXXX cash withdrawal. The atm gave me my card back and a receipt that said a restriction has been placed on my card due to expected unauthorized transactions. The recept also provided a phone number to call. 
I pulled off and called the number, having to verify some card transactions to reinstate my card. When I checked my acct the XXXX withdrawal was showing and not reversed!! 

I files a claim with banknof America and it was denied!!!!!! The camera will show that I did not receive any money! Only my card and receipt! I dont understand how my claim was denied. Where is my XXXX?
Consumer complaint received 2024-07-30
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 have asked multiple times to have items investigated, and removed. They keep saying " it's not valid '' provide proof, etc. I have given them, ID, SS Card, Police Report, FTC Report, address verification. AND STILL they refuse to look into my claim of fraud. I am a retired armed services member and I live on a fixed income. This is like being victimized over and over gain by the bureaus as well as the fraudsters.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Recently, I did an investigation on my credit report and found several items in there to be inaccurate XXXX XXXX XXXX XXXX XXXX ( b ) accuracy of report. When ever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
XXXX XXXX XXXX XXXX ( XXXX ) treatment of inaccurate or unverifiable information ( A ). In general if, after any reinvestigation under paragraph ( XXXX ) 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 Please removed the following items from my credit report : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX TX XXXX This address in incorrect, please remove it from my credit report immediately Collections XXXX. XXXX XXXX XXXX XXXX - This collection is being reported inaccurately, please remove this from my credit report Account XXXX. XXXX This account is being reported inaccurately, please remove this from my credit report XXXX XXXX XXXX. XXXX TX XXXX XXXX this inquire was not authorized, please remove this from my credit report
Consumer complaint received 2024-07-30
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)

I sent disputes to XXXX, Equifax, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 30 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of XXXX XXXX. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after XXXX written requests demonstrates a willful disregard of XXXX XXXX.
Consumer complaint received 2019-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: HSBC NORTH AMERICA HOLDINGS INC. (MI)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as  possible and confirmed to be correct. Thanks!
Consumer complaint received 2024-07-31
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. (GA)

I contacted the credit bureaus and the student loan servicer, and they responded, stating that the information reported was correct within XXXX hours. I was not notified where they checked or if they have copies of the original documents that were signed because the information that is being reported is not correct. I request the removal of the information until it is reported correctly because it has hurt my credit rating. After all, the closed account appeared open the same month it was paid in full. I graduated in XX/XX/XXXX and would not have had a loan after graduation. 
Incorrectly reported balance {$4500.00} current and starting balance incorrect potential duplicate XXXX/DEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX Incorrectly reported balance {$7500.00} current and starting balance incorrect potential duplicate XXXX/DEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX Incorrectly reported balance current and starting balance {$5500.00} incorrect potential duplicate XXXX/DEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX Incorrectly reported balance current and starting balance {$6000.00} incorrect potential duplicate XXXX/DEPT OF ED Loan XXXX, XXXX opened- XX/XX/XXXX Incorrectly reported current and starting balance {$2200.00} incorrect potential duplicate XXXX/DEPT OF ED Loan XXXX, Date opened XXXX XX/XX/XXXX Incorrectly reported balance current and starting balance {$9500.00} incorrect potential duplicate XXXX/DEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX Incorrectly reported balance current and starting balance {$3400.00} incorrect potential duplicate XXXX/DEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX Incorrectly reported balance {$17000.00} XXXX/DEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX Incorrectly reported balance current and starting balance {$3200.00} incorrect potential duplicate XXXX/DEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX Incorrectly reported balance current and starting balance incorrect potential duplicate XXXX/DEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX The open date for this loan is incorrect. XXXX/DEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX : {$0.00} owed on the loan is correct. 
The open date for this loan is incorrect. XXXXDEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX : {$0.00} owed on the loan is correct.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

This evening, I discovered some inaccurate accounts on my credit report and I have no clue why they are there. I reviewed my credit report as I typically do, but this time there were unexpected discrepancies. I attempted to refresh my browser to see if it was just a glitch, but that did not resolve the issue. The inaccurate accounts remained even after refreshing the page. Therefore, I request a thorough review of the documents I've sent to prevent any future worries.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I was victim of fraud, on XX/XX/XXXX I sent letter to XXXX to explain that I see they report to credit bureau that I have late payment, they have remove the account in my credit report now I see it comeback to my credit report .i did never take any loan or authorized anyone to take any loan or purchase anything on my name XXXX would like this to permanently delete from my credit report
Consumer complaint received 2024-07-31
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. (OK)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (RI)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX 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 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

Please delete all fraudulent accounts and late payments off my credit file from XXXX, Equifax, and XXXX immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-19
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (WI)

I paid off the balance on XX/XX/22. The next billing cycle I got a bill stating I owed interest. I contacted them and they were going to remove the charge. I have just received another statement with late fees. When i called and spoke with someone i was told i owed the interest and late fees.
Consumer complaint received 2024-07-31
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. (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 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

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 15USC 1681 Account Name Credit Card Account number XXXX Account Name Credit Card Account Number XXXX Account Name Credit Card Account Number XXXX Account Name Credit Card Account Number 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 : Its also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681C ( A ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I want to stress that I did not authorize these accounts, and their existence is causing me significant distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I HAVE FRADULENT ACCOUNTS & INQUIRES ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE COMPANIES TO ACCESS MY CREDIT REPORT OR OPEN THIS ACCOUNT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.