davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-27
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. (IL)

I pulled a copy of my credit report from XXXX, XXXX and Equifax and noticed some fraudulent inquiries that I DID NOT originate and have no idea where they came from. Pursuant to 15 USC 1681c-2 please DELETE these fraudulent inquiries within four business days of your receipt of this identity theft report on grounds of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. Please see other page for other ( 3 ) inquiries. SEE ATTACHED IDENTITY THEFT REPORT.
Consumer complaint received 2023-07-26
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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Have 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 2024-06-28
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. (MD)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX.
Consumer complaint received 2023-11-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (PA)

On XX/XX/2023, I transferred via XXXX  transaction {$900.00} from my personal checking account with XXXX Bank to my online Chime account. For some reason, Chime placed my account in security status and requested several documents from me to prove the validity of the deposit. Over the course of the next XXXX weeks, I called them several times and provided the documents requested on numerous occasions, yet they refused to release the funds or return them to my checking account. 

Eventually, I became tired of the XXXX. they were putting me through so I called my personal bank to dispute the XXXX transaction. XXXX refunded me the {$900.00} and as soon as it was credited back to my account I immediately called and emailed Chime to request they close my account, as per their policy for closing an account. 

It has now been an additional XXXX ( XXXX ) weeks and they still have not closed my account. As a matter of fact, every time I call or send an email, they are still asking me for the documentation they asked me for a month ago. I am totally at my wits end and feel like Chime is deliberately neglecting to honor my request. I have spent over {$100.00} on international calling fees and now have to call all of the credit bureaus to ensure Chime hasn't abused my personal data because I utterly do not trust them. 

I want my account closed and I do not understand why Chime won't even adhere to their own published policy of closing an account upon request.
Consumer complaint received 2019-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc. (MD)

I recently applied for an auto loan and was turned down because a company I never heard of reported my score at XXXX. I use XXXX XXXX and check my score several times a week and they all report my score to be over 600. I have NEVER heard of this company before. 

SageStream should not be allowed to require personal, protected information in order to get a copy of your consumer credit report. I WILL NOT send a hard copy of my social security card, birth certificate, drivers license, etc to ANYONE especially a company I have never heard of until today. There is a 200 point desparity with Sage Stream and other agencies.

This information may indeed allow mischief on their part, in order to gain new customers for their  XXXX services. In addition all of this information and data can then be and is most likely given to " ID Analytics '', which ultimately provides this data to a credit reporting agency called Sage Stream,  all of the above in which is owned by " XXXX XXXX ''. 
A major Bank issuing around 163 store branded ( closed loop ) credit cards, XXXX XXXX  uses Sage Stream, and as it appears they depend on the Sage Stream report 100 %, when deciding to issue credit or not. 

SageStream says their reporting ranges from 1 to  999 ... WHAT? Ive never heard of this in my entire life either.
Consumer complaint received 2024-03-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY (NJ)

I opened an account on XXXX, using a US Treasury check as my initial deposit. A hold was placed on the funds, and I was given dates of when the funds would be available. However, those dates came and passed, and the account and funds remained locked. I was then notified the account was being closed due to suspected fraud. I supplied all supporting documents, the check was verified by them with the Treasury, and the Treasury remitted payment in full to the bank. Account still being closed and funds held until XX/XX/year> or later. There is no reasonable doubt to suspect fraud or justify the extended hold. The branch manager is even taking responsibility for any potential loss, just so loss prevention will remove the hold. That is still going to take another 24-48 " business hours ''. These funds are retroactive XXXX payments for XXXX years, sent to me as a " dire need '' payment. I became homeless while waiting for these funds, and am now ineligible for any public assistance because these funds show as being paid to me. I'm being physically and mentally harmed, and irreversible damage is being caused.
Consumer complaint received 2023-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Since XX/XX/2022 I have been sending letters to reinvestigate my credit report and XXXX XXXX # XXXX keeps coming back verified and accurate but how can that be if nothing has changed on it. My consumers rights are being violated. According to the FCRA everything has to be accurate and it is. Nothing is accurate on this account. Everything has to be the same on all 3 credits bureaus. there is no fairness or accuracy when it comes to my credit reports
Consumer complaint received 2024-06-28
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)

Despite multiple attempts to resolve these errors directly with your bureau, these fraudulent items continue to appear, severely impacting my financial standing and credibility. The fraudulent items in question are not only incorrect but have been on my credit report for an extended period. I have provided substantial documentation and evidence proving the fraudulent nature of these items, yet they remain uncorrected. This ongoing issue is causing me significant stress, inconvenience, and potential financial harm. Furthermore, I am seeking the assistance of from you to ensure that this matter is handled appropriately and expeditiously. The presence of these inaccuracies on my credit report has significantly impacted my ability to access credit, secure favorable loan terms, and pursue other financial opportunities essential for my financial stability. I urge you to prioritize this matter and take all necessary measures to ensure the prompt removal of the fraudulent items from my credit report. If this issue failed to addressed satisfactorily may compel me to seek legal actions gainst them. The following items should be remove 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
Consumer complaint received 2024-06-28
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)

These accounts are reporting inaccurate and incorrect information on my credit report. 
This inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX ) Account name : XXXX XXXX XXXX Account number : XXXX This account has been paid correctly and has never been in late payment. 
This account is presenting incorrect and inaccurate information on alleged XXXX  days past due payments. 
This account is reporting incorrect information as the correct balance is XXXX. 
Please note that you have XXXX  days to complete this investigation as per the Fair Credit Reporting Act Sec. 611 ( a ) ( 1 ) ( A ) and I am maintaining a precise record of actions, including the method of verification. I do not consent to any e-Oscar, or any other means of automated verification. 
Please immediately remove these XXXX delinquencies from my credit report as required by the Fair Credit Reporting Act. 
This account is duplicated on my credit report, please remove from my credit report. 

XXXX ) The following account must be removed from my credit report. 
Account name : XXXX XXXX Account number : XXXX This account has been paid correctly and has never been in late payment. 
This account is reporting incorrect information as the correct balance is XXXX. 
Please note that you have XXXX  days to complete this investigation as per the Fair Credit Reporting Act Sec. 611 ( a ) ( 1 ) ( A ) and I am maintaining a precise record of actions, including the method of verification. I do not consent to any e-Oscar, or any other means of automated verification. 
Please immediately remove these XXXX delinquencies from my credit report as required by the Fair Credit Reporting Act. 
This account is duplicated on my credit report, please remove from my credit report. 

XXXX ) The following fraudulent account must be removed from my credit report. 
Account name : XXXX Account number : XXXX This account has been paid correctly and has never been in late payment. 
This account is reporting incorrect information as the correct balance is XXXX. 
Please note that you have XXXX  days to complete this investigation as per the Fair Credit Reporting Act Sec. 611 ( a ) ( 1 ) ( A ) and I am maintaining a precise record of actions, including the method of verification. I do not consent to any e-Oscar, or any other means of automated verification. 
Please immediately remove these XXXX delinquencies from my credit report as required by the Fair Credit Reporting Act. 
This account is duplicated on my credit report, please remove from my credit report.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

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


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


I demand the late payment reported in 60 days to be removed. 


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


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


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


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


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


Delete the late payments from my consumer reports XXXX
Consumer complaint received 2024-06-27
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. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OR)

I am XXXX XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-06-28
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 am writing to file a formal complaint against Credit Bureaus regarding their persistent failure to correct inaccurate information on my credit report. Despite my repeated attempts to resolve these issues over the past several months, totaling many separate requests, the credit bureaus has not taken the necessary actions to correct the late open accounts and remove the charge-off entries. Despite providing evidence that these accounts were not opened late, they remain incorrectly reported on my credit report. These entries are inaccurate and should have been removed after my initial dispute. However, they persist on my credit report, negatively impacting my credit score and financial standing. Despite my efforts, the credit bureaus has failed to correct the inaccuracies or provide a satisfactory explanation for their refusal to do so. I respectfully request for your intervention to ensure that the credit bureau/institution complies with the Fair Credit Reporting Act ( FCRA ) by accurately reporting my credit information. With this, I am asking for your assistance to correct the late open accounts and remove the charge off from my credit file : 1. XXXX XXXX Balance Owed : {$4000.00} Please check the Payment History and Status information on this account and adjust accordingly. 
2. XXXX XXXX Balance Owed : {$0.00} I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

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

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

I demand the late payment reported in months that are reported late to be removed.

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

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


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

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

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

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-27
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)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

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 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 2024-06-25
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)

DELETE HARD INQUIRIES In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USD 1681. 

The accounts below have violated my rights. 
15 U.S.D. 1681 section 602A. States I have the right to privacy.

15 U.S.D. 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.D. 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items information. Any other adverse item of information, other than records of convictions of crimes which antedates report by more than seven years. 

15 U.S.D. 1681s ( A ) ( a ) 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. 

Delete the accounts below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, account which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. This account need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 
XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-06-26
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. (MD)

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.