davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-16
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. (LA)

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 : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXXXX/XX/2024 XXXX 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 2024-05-16
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. (FL)

I just ran my credit report for the first time I am a XXXX XXXXXXXX who surved the country for over XXXX XXXXXXXX XXXX Veteran it is very stressful and XXXX that I am revieweing my credit report and see that there are unathorized inquiries and accounts that are not mine please assist me in removing this it is sad that I serve the country and someone is using my information for falsey use.. EQUIFAX - ACCOUNT - XXXX XXXX XXXX XXXX 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies NOT MINE NEVER BEEN MINE - XXXX XXXX XXXX XXXX XXXXXXXX - 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies XXXX XXXX XXXXXXXX - NOT MINE NEVER BEEN MINE - 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies PLEASE REMOVE THIS FROM ACCOUNT FROM MY FILE. INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I NEVER APPLIED FOR ANY OF THIS. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies I am a retired veteran who served the country for over 20 years it is very depressing and stressful that youre report inaaccurate information.. 

My personal name is also wrong it should only report XXXX XXXX & My residence is XXXX XXXX XXXX XXXX XXXX FL XXXX I have not lived any other place as it was stationed almsot all my life.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Opened secured revolving credit account with XXXXXXXX XXXX in XX/XX/XXXX with {$500.00} deposit. Two monthly payments were returned by bank and both payments were resubmitted to cover entire outstanding balance immediately after being returned. Asked that XXXX close account in XX/XX/XXXX and return security deposit. I never received any deposit refund, XXXX kept the deposit and failed to report all my payments instead charging off account inaccurately and has reported this on my credit report with all XXXX  bureaus since XXXX negatively impacting my credit. Have disputed with no result besides any and all my payment history with XXXX being removed from my credit report and dates changed falsely reporting the wrong dates and account I can not access is showing as having an outstanding balance. Still no refund for deposit of {$500.00} and now my credit report states the card was with XXXX XXXX instead of XXXX XXXX. No resolution with company after numerous attempts
Consumer complaint received 2024-08-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (WA)

basically what it is is that a scammer made me uneligible to do banking with the banking industry here in the United States they pretty much scanned me and I ended up looking like a vulnerable adult because of them and so therefore I feel like I have been taking the opportunity to have a checking account away from me in a unfair way
Consumer complaint received 2024-08-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (PA)

I have had several problems with unauthorized transactions on my checking account. I have purchased a special wallet to deflect thieves and carry large amounts of cash to decrease my card use ; finally, I check my balance regularly due to all the problems. On or about XX/XX/year>, I noticed an unauthorized use of my debit card charge totaling {$59.00}, on XX/XX/XXXX, just days after receiving a new card to replace the prior card from being hacked. I immediately called the bank, shut down my card, and requested another card. Several, a conservative estimate, times that this happened before, my money was reimbursed and I received a letter explaining that. this time, however, they said I was liable for the {$59.00}. I have called at least XXXX times and 4 times, I was mailed the same exact letter. After several requests, I was able to escalate my case to an XXXX XXXX  in early XXXX. XXXX left me a voicemail on XX/XX/XXXX saying that XXXX or XXXX would be calling me with information. I received no calls and I received no response when I attempted to reach out to XXXX. I was able to find out that the point of purchase was miles away from where eyewitnesses can attest to my whereabouts. PNC 's EXPLANATION OF DETERMINATION SAYS Transaction Details And Customer 's Historical Pattern Of Use on all 4 of the letters sent. I want my account refunded and/or a reasonable explanation that actually makes sense. I believe that I have a case number XXXX with PNC. Thank you for your attention in this matter. XXXX XXXX
Consumer complaint received 2024-07-06
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 : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Dear Sir/Madam, I am writing to file a formal complaint against XXXX and Equifax regarding their failure to remove inaccurate items from my credit report, despite submitting documentation of identity theft and FTC reports as requested.

I submitted an identity theft report to Equifax and trasnuion along with FTC reports in an effort to remove several fraudulent items from my credit report. The items in question are as follows : Account Name XXXX XXXX XXXX XXXX XXXX  ( deleted by furnisher verified and updated before deletion. 
Account Name : XXXXXXXX XXXX ( deleted by furnisher today XX/XX/year> XXXX certified to XXXX that it was accurate and XXXX and Equifax failed to remove it. 
Account Name : Fair Collections and out ( deleted by furnisher but was verified and updated by XXXX and Equifax Account Name : XXXX XXXX ( auto loan has certified it is accurate but this account remains on my credit but is fraudulent and currently in litigation. 

Despite my efforts, XXXX and Equifax failed to remove these items from my credit report. However, since then, three out of the four items have been removed directly by the furnisher due to identity theft verification. 

I am deeply concerned about the handling of my request and their failure to take appropriate action in removing these fraudulent items from my credit report. I would like to understand why my initial request was rejected and how XXXX and Equifax verified the accuracy of these items. 

Furthermore, I am requesting that XXXX and Equifax promptly delete the remaining item XXXX XXXX from my credit reports, as it has been verified by the furnisher as fraudulent. 

I believe that XXXX 's failure to remove these inaccurate items from my credit report is in violation of the Fair Credit Reporting Act ( FCRA ) and has caused undue harm to my creditworthiness and financial well-being. 

Therefore, I am requesting the intervention of the Consumer Financial Protection Bureau to address this matter and ensure that Transition and Equifax complies with its legal obligations to accurately report consumer credit information. 

I appreciate your prompt attention to this complaint and look forward to a resolution that rectifies this situation and prevents similar occurrences in the future.
Consumer complaint received 2024-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

So I had XXXX $ taken from my account thru the use of XXXX XXXX. There were 35 atm withdrawls for XXXX $ and then another XXXX $ charged at XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX I filed a claim with chase because this was not me or anyone else who has access to the account which would only be my mom. Chase told me that there was nothing they could do as it was thru XXXX XXXX. I have video proof of someone using my card at XXXX XXXX with time stamps and they still will not help.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-16
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. (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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit reporXXXX 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 2024-05-16
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. (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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX 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 2024-05-16
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. (GA)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-05-16
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. (FL)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-05-16
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. (GA)

I LOST my wallet along with my SSN card long ago. I am a victim of XXXX XXXX. I have obtained a copy of my credit report online and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of XXXX XXXX. Incorrect Name - XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/2023XX/XX/year>
Consumer complaint received 2024-07-06
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. (PA)

I always check my credit report before I go to bed but I saw some unauthorized inquiries that were reported. I don't have any knowledge regarding why but I do know that I want It removed and blocked from my credit report.
Consumer complaint received 2024-05-16
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)

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 2023-03-31
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I recently discovered that one of my creditors has re-added a previously deleted item to my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This has caused significant damage to my credit score and financial situation. Despite disputing the re-added item, the creditor has failed to remove it from my credit report. As a consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to protect my rights and seek resolution to this issue.
Consumer complaint received 2024-05-30
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: AMERICAN HONDA FINANCE CORP (OH)

XXXX XXXX XXXX XXXX XXXX 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 2024-05-16
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)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I'm sending these request the removal of an inaccurate address from my credit report. The address listed below does not belong to me and should be removed from my file immediately : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'm sending these request the removal of an inaccurate address from my credit report. The address listed below does not belong to me and should be removed from my file immediately : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX