davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-16
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)

Hello Equifax, the following accounts listed in the files below are currently reporting on my credit. I kindly ask that you remove these fraudulent accounts from my report. I am a vicitm of identity theft, my identity has been stolen from me. I am currently in the process of getting all these fraudulent accounts removed so i can focus on building my credit. I just turned XXXX and decided i wanted to work on building my credit to obtain a good score just to see that some stole my joy ruined it and destroyed my credit along with credit history. I am asking that you erase these accounts immediately for they all are fraudulent.
Consumer complaint received 2017-03-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (IL)

My mortgage was transferred from XXXX to PNC in mid XXXX, 2016. I made my XXXX, XXXX and XXXX payment to PNC without any problems. My mortgage payment to PNC on XXXX XXXX, 2016 was charted as NSF on XXXX XXXX, 2016. When I called PNC to inquire about why I owed XXXX payments in XXXX and proved that my bank had successfully paid the XXXX payment, an investigation was open. The conclusion came and PNC stated that the money had been requested by XXXX and they paid XXXX money in a lump sum ( from multiple payees ) through a wire transfer to a specific person. They could not provide information as to why the money was requested and suggested I contact XXXX. I did and they opened an investigation and can not verify why the money was requested and stated that PNC should know the reason if they sent the money. I have been back and forth with both companies since XXXX. For the months of XXXX, XXXX, and XXXX, a woman who worked at PNC, a team leader, allowed me to make payments one month at a time until this was resolved since there is a supposed missing payment. This month I have been unsuccessful in contacting her and have been transferred from person to person with no resolution. I have asked repeatedly if I can make my XXXX payment, but PNC will not take " partial payment '' and state that I need to make XXXX payments. I would like to be informed as to why this money was transferred to a third party company three months after my mortgage was transferred to PNC. If I do not owe the payment in question, I would like this cleared from my record. If I do owe it, I want to be informed as to why before making a payment. It seems for the past three months no one has resolved the issue. It is only creating time lost on my end making the phone calls repeatedly over and over again. Also, when I am successful making a payment at PNC they charge a XXXX service fee for not having an account with them. I am not sure why this is allowed since I did not ask for PNC to hold my mortgage, rather it was transferred to them.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WY)

Consumer name XXXX XXXX XXXX consumer XXXX XXXX XXXX XXXX consumer social security # XXXX contents of complaint.This cfpb complaint has been filed to request pursuant to ( 15usc1681 c-2 ) that you, XXXX, XXXX XXXX equifax credit reporting agency , block/delete information appearing on my consumer credit report that is the result of idenity theft and fraud within 4 business days of you receiving this complaint.this fraudulent inaccurate information consist of the following accounts # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've attached the FTC report # XXXX as proof I am also attaching the list of hard inquiries that are not mine as well # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I do not recognize the aforementioned accounts and hard inquiries on my consumer report and am demanding thatvthey be blocked/deleted in business days according to 15usc1681 c-2
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I am challenging the correctness of certain entries on my credit report, as they inaccurately represent my financial activities and standing. This issue is a breach of the Fair Credit Reporting Act, under Section 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain accurate and updated information in their reports. Enclosed are the relevant documents that highlight these inaccuracies. I urge a swift and thorough review and the necessary corrections to rectify these discrepancies.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: 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. XXXX, XXXX # XXXX ; XXXX XXXX XXXX XXXX. # XXXX ; XXXX XXXX XXXX XXXX # XXXX ; XXXX XXXX XXXX # XXXX ; XXXX XXXX XXXX # XXXX ; XXXX XXXX XXXX # XXXX ; XXXX XXXX XXXX # XXXX, XXXX # XXXX ; XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-16
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. (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 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 XXXX Balance Owed : {$0.00}
Consumer complaint received 2024-09-16
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. (FL)

I am writing to urgently notify you that I have fallen victim to identity theft, leading to several fraudulent entries on my credit report. These 7 unauthorized accounts and 6 inquiries were added without my knowledge or consent, and they must be addressed immediately. 

ACCOUNT - XXXX XXXX XXXX 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 INQUIRIES- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already filed an official identity theft report with the Federal Trade Commission ( FTC ), and I am demanding the immediate removal of these fraudulent items to restore the accuracy and integrity of my credit report.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I have a paid-off debt that is incorrectly being reported on my Equifax credit report. Despite numerous disputes filed by both me and my lender, XXXX XXXX XXXX XXXXXXXX, Equifax has refused to remove this item from my report. 

In XX/XX/year>, XXXX XXXX  requested that all three credit bureaus delete this item from my credit report. While the other bureaus complied, Equifax has yet to do so. I have submitted three disputes ( each including a letter from XXXX XXXX ) and XXXX XXXX  has made multiple requests, through various channels. 

I am unsure why Equifax continues to refuse to delete this item, despite my efforts and XXXX XXXX requests.
Consumer complaint received 2023-06-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (WI)

Roughly around the month of XX/XX/2023, I attempted to open an account with VENMO to receive rent payments for the convenience of a tenant. I opened the account, following their instructions, and attempted several times to link my bank account to it, manually and through the plaid service. All attempts failed on their end, ( even through my bank acknowledged them as successful ). This immediately concerns me because do they now have access to my bank account they are not acknowledging? Even worse, they then froze my Veno account, leaving me unable to even delete it. 

I brought this to their attention in an email ( XX/XX/XXXX ) and a rep named XXXX XXXX replied completely ignoring my issue and stating some vague, unspecific violation of their User Agreement.??? By opening an account and linking a bank account to it? They then demanded I upload my license to address the issue. Having no trust in them, I declined. 

Completely disgusted with them at this point, I requested that they delete my account and relevant information, as I no longer wished to do business with them. ( Email XX/XX/XXXX ). XXXX replied to me, refusing to delete my account unless I sent them more personal information in the form of a driver 's license. This is ridiculous. I want these people to delete my account, period. They have no reason or right to hold it open against my wishes, especially as it was never even capable of being used. I would never do business with these people, nor entrust them with XXXX cent of my money.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXXXXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Credit reports shall not reflect transactions made between consumers and the person making the credit report ( 15 USC 1681a ( 2 ) ( A ) ( i ) ). 

Account opened in XXXX shows no payment history for XXXX or XXXX. 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 ( 15 USC 1681 ( a ) ( 1 ).
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Name : XXXX XXXX XXXX : XX/XX/year> XXXX XXXX XXXX : XXXX Account : XXXX XXXX XXXX XXXX XXXX  XXXX Upon reviewing my credit file/report I noticed that there were some unauthorized hard inquiries on my account. I Contacted the fraud department of the credit reporting angencies and inform them. I was told that the items will not be disputed and to contact the companies. I inform the representatives that i tried to resolve the issue month ago. I was dismissed with no help or remedy for these unauthorized and unverified inquires. I imformed them that if these are unauthorized then they are not accurately reporting my credit history. I was treated discourteously and requested to speak with a supervisor. I was told ill be contacted in XXXX to XXXX hours.
Consumer complaint received 2017-03-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America purchased a mortgage loan on the residential home of my ex-husband. He is now in a XXXX due to XXXX XXXX. Bank of America was notified that he lived in a XXXX that required him to sign over his retirement income, along with Social Security. Bank of America has now foreclosed on the residential property. In all my conversations with Bank of America, it was always told me that I was not responsible for the loan, but because I had Power of Attorney, they could talk to me. I had to file the POA with the State before they would honor it to even discuss the loan with me.. ( We divorced in the 2nd year of the original mortgage and property ownership was granted to my ex-husband by the divorce court. ) I now have POA for his medical and business care because he has no one else to help him. Bank of America knew this information and NEVER attempted to collect or report this loan on my credit report as his ex wife, in over 20 years. I was told they would n't and they did n't, until now that they have foreclosed on the property. They are now reporting it on my credit bureau and have sold the foreclosure to XXXX who is also reporting it. I now have 2 mortgage foreclosures reporting on my credit bureau for the same loan that I had a verbal agreement that I was not responsible for. ( evidenced by NO reporting or collection attempts in over 20 years ) It is NOT right that I was mislead by Bank of America and now 2 Mortgage Companies are exploiting my excellent credit as verified with no late pays or charge offs, on any of my Credit Bureaus. I received a letter from XXXX saying they were working with BOA in foreclosure on the property and the notice was NOT to be deciphered as a collection notice. Since they have NEVER attempted or discussed collecting from me or indicated I was responsible for the loan, please remove the credit reporting from my credit report. This type of exploitation by Financial institutions is crippling to consumers. It ties my hands to having a great credit history. Using unfair methods just because you can get away with it is not what America is about. We are a country of compassion. Bank of America and XXXX are NOT doing the " right thing ''.
Consumer complaint received 2024-09-16
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)

Re : Request for Removal of Account Information XXXX XXXX Account Number : XXXX Dear XXXX I am writing to formally request the removal of a derogatory entry on my credit report related to an account with XXXX XXXX. This request is based on the recent judgment in the class action lawsuit against XXXX XXXX, which mandates the removal of derogatory information from consumers ' credit reports due to unfair practices and predatory lending. 

The relevant case is In re : XXXX XXXX XXXX Dealer Interest Rate Overcharges Litigation. The judgment issued in this case requires that any negative credit information associated with XXXX XXXX be removed from consumers ' credit reports as a result of the improper practices identified in the lawsuit. 

The details of the account are as follows : Creditor : XXXX XXXX Account Number : XXXX Original Account Status : Collection/Chargeoff Date Reported : XX/XX/year> According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute and request the removal of inaccurate or outdated information from my credit report. The removal of this account is in accordance with the courts ruling, which has deemed such information invalid due to the predatory nature of the lending practices involved. 

In light of the judgment and the provisions under the FCRA, I request that you promptly remove this account from my credit report. Please confirm in writing once this action has been completed. Additionally, I would appreciate a copy of my updated credit report reflecting these changes. 

Should you need any further information or documentation, please do not hesitate to contact me at [ Your Phone Number ] or [ Your Email Address ]. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-03-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (IL)

On XX/XX/2016, I sent a dispute letter to Equifax disputing an unknown medical account. Equifax received my dispute letter on XX/XX/2016. On XX/XX/2016, I received an email that the dispute process has started. I received a new credit report dated XX/XX/2016 that stated " WE have researched the collection account # xxx. The results are we verified that this item belongs to you '', with instructions on how to contact the collection agency if I had additional questions. Per the instructions on my credit report, I sent a letter to the collection agency on XX/XX/2016 to the address Equifax provided on my credit report requesting validation of this debt. On XX/XX/2016, the letter I sent to the collection agency was returned to me by the USPS marked " Return to sender/Unable to forward ''. Per the USPA website tracking information for this letter, it said, " The addressee moved with no forwarding address ''. On XX/XX/2016, I sent another dispute letter to Equifax regarding this medical debt. I also included a copy of the XX/XX/2016 letter I sent to the collection agency as well as the proof of attempted delivery from the USPS website, that clearly stated that the letter was being returned to sender due to no forwarding address. I received an updated credit report dated XX/XX/2016, again their response was that they verified the account belongs to me, with the same instructions as before as to how to contact the collection agency with further questions. The collection agency address that Equifax is reporting on the XX/XX/2016 report, is the SAME address as the previous reports provided by Equifax. I also disputed this medical collection with XXXX XXXX and XXXX, and they bothe deleted the collection from my credit reports. 

On XX/XX/XXXX, I sent a letter to Equifax to inform them I filed a complaint with your agency as well as a copy of the complaint. On XX/XX/XXXX, I received a response from Equifax stating " The disputed account, cfpb is currently not reporting on the Equifax file ''. Obviously, my letter was not throughly investigated, since I am disputing an account with XXXX XXXX XXXX and " cfpb '' refers to your agency. I do not recall the date, but I called Equifax to speak with a supervisor in regards to their XX/XX/2016 letter and explain the " cfpb '' is not a debt I am disputing. She informed me that the debt I am disputing has been verified and instructed me to contact the collection agency. So, needless to say, I did not get anywhere with Equifax.
Consumer complaint received 2024-09-16
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)

Upon reviewing my credit report, I have identified inaccuracies that do not reflect my financial transactions or credit history. This situation is a direct violation of the Fair Credit Reporting Act, notably under Section 15 U.S.C. 1681e ( b ), which obliges credit reporting agencies to ensure the accuracy of the information they compile on individuals. Enclosed are the documents that substantiate my claims of these discrepancies. I request an immediate investigation and the correction of these inaccuracies.
Consumer complaint received 2024-09-16
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)

In XXXX XXXX Sent a letter requesting each major credit bureau to delete any delinquency that occurred from XX/XX/2024 to XX/XX/2024. Not only has this letter been sent/notified to each credit bureau XXXX XX/XX/2024, I have also disputed with each credit bureau. Each credit bureau has failed to adhere to this very clear and specific request to remove such deliquencies
Consumer complaint received 2024-09-16
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)

I have identified several unfamiliar items on my credit report that I did not authorize. It appears my identity may have been stolen. I previously raised this issue, and I am now requesting the immediate removal of these unauthorized accounts. Their presence is causing me considerable distress and does not accurately reflect my credit history or financial management. Addressing this problem has been challenging. If this issue is not resolved promptly, I am prepared to take legal action to protect my rights and seek a resolution. These erroneous entries are significantly affecting my ability to achieve key financial goals, such as purchasing a home and supporting my family. I hope we can resolve this matter quickly.
Consumer complaint received 2024-09-16
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. (IN)

I just recently looked at my credit report XXXX, XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX due to violation of 15 U.S.C 1681 ( b ) has no permissible purpose to be on my report.