davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-01
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.

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 2023-09-20
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. (NY)

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. When it comes to my credit report, I reserve the right to dispute any information that I deem to be inaccurate. I won't stand for any misinformation being associated with my name and financial history. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and its permissible purpose.I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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.

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 2024-04-01
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. (TX)

Despite my diligent efforts to rectify inaccuracies in my credit report by submitting disputes to XXXX, Equifax, and XXXX, they have flagrantly disregarded their legal obligations under the Fair Credit Reporting Act ( FCRA ). It has been over 30 days since my initial dispute, yet they have failed to provide a response or take corrective action. This blatant violation of federal law is unacceptable, and I demand immediate resolution. Attached are copies of all correspondence sent to substantiate my claim.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to complain to TRANSUNION about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX, and my name is XXXX XXXX XXXX XXXXXXXX My birthdate is XXXX, and my social security number is XXXX XXXX. The FTC report number related with this complaint XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IA)

I have been a victim of identity theft while in a XXXX. I suffered from XXXX  as well for the last XXXX. Someone stole my identity. My identity has also been involved in multiple data bridges the most recent date of breach being with Equifax. 
All three of these companies are reporting inaccurate negative information on my credit file. They keep lying saying they verified these accounts, while they only deleted XXXX accounts and lied about verfying the others. PER FCRA, UCC, AND CFR RULES, they MUST PROVIDE ME WITH ALL DOCUMENTS USED TO " VERIFY AND/OR VALIDATE AN ACCOUNT. I have a right to do process, I also have a right to arbitration on these 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  SEE ATTACHED DOCUMENTS.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Dear Equifax Credit Reporting Agency, This 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 identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following : an Collections account opened at XXXX XXXX XXXX on XXXX, XXXX, an account # XXXX with a balance of {$530.00}, an personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account # XXXX, an personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account # XXXX, an personal credit card account opened at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account # XXXX, an personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account # XXXX, an personal charge card account opened at XXXX  on XX/XX/XXXX under the account # XXXX, an debt buyer account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account # XXXX, an debt buyer account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a debt buyer account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items.

I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 Affidavit # 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 identity theft and fraud.

Please confirm in writing that the aforementioned fraudulent information has been blocked and provide me with an updated copy of my credit report. Furthermore, I am going to attach a copy of a Full General Durable Power of Attorney that my son XXXX XXXX has authority of any and all things that has to do with me and my well being. Just so when future issues that are not fully handled yet needs to be correct he can do so with no questioning. I thank you in advance for your rapid response knowing the seriousness of this matter.

Note : The only one that was not on the Identity Theft affidavit because of the limited amount of characters is the XXXX XXXX XXXX. Which still applies to this complaint and violations.
Consumer complaint received 2024-06-06
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. (HI)

Despite providing comprehensive documentation and evidence to support the correction of this late open account, it continues to inaccurately appear on my credit report. This persistent error not only undermines my financial reputation but also hampers my ability to access credit and secure favorable financial terms. Immediate action is imperative to rectify this matter. I expect a thorough investigation into why this late open account persists on my credit report despite multiple requests for correction. Additionally, I demand transparency regarding the steps being taken to address this issue and a clear timeline for its resolution. Also, I request compensation for the significant inconvenience, stress, and potential financial harm caused by the continued presence of this incorrect late open account on my credit report. It has negatively impacted my ability to obtain credit and pursue other financial opportunities essential for my financial stability. The following accounts should be corrected 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
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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 2024-06-05
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 want these inquiries to be deleted because I did not authorize these companies to run my credit. Ive attached my FTC report. According to the 15 U.S.C 1681 there should not be any damages on my report and its a defamation to my character
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/2023 ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX has failed to update my balance on my loans since XX/XX/2022. I have contacted them earlier this year a few times in XXXX and was told that they put in a request and will update my balance with the credit bureaus in 2 months. when that didn't happen, I called in XXXX, and they told me that since they switched log in platforms, they were doing a freeze on reporting for 3 months. After those three months passed in XXXX I called again and even filed a dispute as XXXX had advised. XXXX told the Credit bureaus that their reporting was accurate which caught me by surprise and my balances where not updated on their own accord or via despite. I called again after my dispute failed and they told me that they would update my balances by the end of XXXX. Nothing was updated and now I cant even contact them due to long hold times and XXXX not calling back using their call back feature. I am looking to buy a house and need to have my balances correctly updated in order to secure the best terms on a mortgage that I can. its been over nine months this is ridiculous. Attached is my account balance from XXXX 's own website.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX has failed to update my balance on my loans since XX/XX/2022. I have contacted them earlier this year a few times in XXXX and was told that they put in a request and will update my balance with the credit bureaus in 2 months. when that didn't happen, I called in XXXX, and they told me that since they switched log in platforms, they were doing a freeze on reporting for 3 months. After those three months passed in XXXX I called again and even filed a dispute as XXXX had advised. XXXX told the Credit bureaus that their reporting was accurate which caught me by surprise and my balances where not updated on their own accord or via despite. I called again after my dispute failed and they told me that they would update my balances by the end of XXXX. Nothing was updated and now I cant even contact them due to long hold times and XXXX not calling back using their call back feature. I am looking to buy a house and need to have my balances correctly updated in order to secure the best terms on a mortgage that I can. its been over nine months this is ridiculous. Attached is my account balance from XXXX 's own website.
Consumer complaint received 2024-06-05
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. (MA)

I contacted Equifax about what was listed on my credit report. I spoke to XXXX representatives. The second representative submitted disputes without my consent. I explained to her XXXX accounts I wanted to dispute, but she insisted on me submitting documentation. The phone call was almost an hour. I explained to her that the lending club and XXXX XXXX accounts were paid and settled and were supposed to removed from my credit account. That didnt happen. The representative didnt understand and documented the information I told her incorrectly. At that point I informed her that XXXX submit the dispute myself. When I tried to submit the disputes online she submitted them anyway. I spoke to a supervisor named XXXX and he could not give me the womens name who submitted the dispute without my consent
Consumer complaint received 2023-06-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (IL)

Over XXXX XXXX weekend my phone was take. From me and the person who took my phone made unauthorized charges to a suspicious Venmo account. 

Venmo is stating that I still made these purchases even though I have a police report to go along with my statements and the account in question that the money sent to is suspicious and shouldnt be on the platform according to the TOS. 

They are arguing dispute w/ bank and still claiming it was authorized by me. I did not authorize this. The transactions in question do not reflect any other transactional pattern in the past. Are for much more than I ever sent, and are suspicious in nature. 

It was 3 transactions back to back within 1 minute all labeled for pizza 1 ) XXXX XXXX was the first XXXX at XXXX labeled for pizza 2 ) XXXX XXXX was sent right after in the same minute to the same person once again labeled for pizza 3 ) XXXX XXXX at XXXX labeled for pizza again. 


As you can see the transaction history does not make sense to send that much money for pizza or to send it across 3 different transactions
Consumer complaint received 2024-04-01
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. (NY)

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 2023-12-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (CA)

I processed an ACH transfer through XXXX XXXX online platform from my XXXX savings account to a linked account at another bank. XXXX XXXX did not process the transaction and put my account on hold claiming a fraudulent transaction. I have called repeatedly and confirmed with XXXX XXXX that it was an authorized transaction. They have not re established access to my account, and will not provide a resolution date. Or provide any other resolution.
Consumer complaint received 2023-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

On or around XX/XX/2023, I filed an EFTA claim with Wells Fargo Bank in the amount of {$1600.00} against a merchant " XXXX XXXX '' On XX/XX/2023, I called Wells Fargo to inquire regarding the status of my fraud dispute and they told me that they denied my claim because the investigation revealed that I authorized this charge with XXXX XXXX  Please be advised that I provided a police report to Wells Fargo 's fraud department shortly after ( few days ) i filed my claim. I advised Wells Fargo and the police that I suspected my brother of stealing my passport, driver 's license and Wells Fargo debit card and made this unauthorized charge at XXXX XXXX. Thereafter, I called XXXX XXXX and explained to them what had transpired and they provided me with a few sheets of paper that my brother had filled out and signed. The handwriting and signature on this paperwork looks to be my brothers and appears to be a forgery of my signature. I'm asking Wells Fargo to please refund me my money as this is a lot of money and I desperately need it as the holidays are here. I did not authorize that charge at XXXX XXXX. Thank you in advance for your cooperation in this matter and your kind and prompt response.