davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-25
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 XXXX ( 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 2024-04-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MS)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2023-11-28
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-06
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. (CA)

**Please disregard my previous submitted complaints due to a typo error - ID FOR COMPLAINT SENT TO XXXX XXXX REPORTING AGENCY XXXX |ID FOR COMPLAINT SENT TO EQUIFAX XXXX |ID FOR XXXX SENT TO XXXX XXXX REPORTING XXXX I am writing to dispute certain hard inquiries that have appeared on my credit report obtained from your agency. After reviewing my credit report, I have identified the hard inquiries that I know are inaccurate and should be removed.
Consumer complaint received 2024-04-25
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. (FL)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

This is to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, delete the noteworthy of any information in my credit record that came about due to an alleged fraud : XXXX XXXX XXXX Balance Owed : {$510.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$510.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$510.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-25
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. (CA)

According to the Fair Credit Reporting Act, 15 USC 1681 section 602 ( a ) states : " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ''Equifax , XXXX XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801, which states : It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal XXXX XXXX XXXX XXXX AND XXXX XXXX XXXXXXXX are financial institution by definition under that title. 
As of today XX/XX/2024, per the FCRA as a federally protected consumer Im now opting out of all authorization I the consumer may have given you XXXX, XXXX XXXX, Equifax pertaining to reporting non personal information from third parties i.e. : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : written/unwritten, verbal/nonverbal this is effective immediately and indefinitely on reporting all my private information from these companies. I am opting out from reporting services.

15 US Code 6802 ( B ) OPT OUT 1 In General : A financial institution may not disclose nonpublic personal information to a non-affiliated party unless ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party.

Per 15 USC 6802 : ( A ) a financial institution may not directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803. I have not been provided any notices and continue to not be provided notices.

( Nonpublic information ) - means personally identifiable financial information, provided by a consumer to a financial institution resulting from any transaction with the consumer of any service performed for the consumer otherwise obtained by the financial institution. There is personal information being furnished on my credit report without my consent.

Also, according to 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports.

*Except as authorized under subsection ( b ), 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. No adverse item besides the conviction of crimes should be on my report. After review of my credit reports XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have furnished adverse items on my credit report without my consent nor notification.
Consumer complaint received 2024-04-23
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. (MI)

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 2024-04-23
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)

I recently pulled my credit reports from all three credit bureaus and noticed an account listed as a " charge off '' as XXXX XXXX  ending in XXXX, in the amount of {$830.00} that was not my account as well as all three bureaus were reporting different information regarding this account. I filed an identity theft report with the FTC and printed out my report, and on XX/XX/24 I then mailed certified a letter I wrote with a copy of my driver 's license along with my FTC report explaining this is not my account and pursuant to the FCRA it is Equifax 's duty to report correct and accurate information on my credit report and file. Furthermore, pursuant to 15 U.S.C 1681 c-2, Equifax is violating my federally protected consumer rights by not removing the account within 4 business days and they failed to list on my report that this account is in dispute. To add to this, I did NOT give written instruction/permission to furnish this inaccurate account on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). I received a document from Equifax put verified the account so I sent a second letter certified mail of the inaccurate reporting and request to send me the information showing how they concluded it was verified and they can not give me proper documentation. It is clear that Equifax has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Consumer complaint received 2023-11-04
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (FL)

I purchased a {$60.00} American Express card just two days ago at my Local XXXX. I made the mistake in getting this one as opposed to the usual XXXX, but I figured, why not. This shouldn't be much of an issue. I tried then using it on XXXX XXXX XXXX, XXXX, etc, and all of my transactions have been declined. I am beyond frustrated because it seems theres other issues in regard to this as well online. 

This is XXXX  XXXX  stolen from my hard earned money, and not to mention, I'm being charged for every transaction even if it bounces back? There's a XXXX fee on my balance as well. 

please help me.
Consumer complaint received 2024-04-23
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. (SC)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2024-04-23
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-04-23
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. (AL)

Equifax, XXXX, XXXX has inaccurate reporting on my credit reports, I wrote all three bureaus and they are still reporting inaccurate information. I have reached out to the companies also that I notice that are inaccurate still no change. I notice hard inquiries, I also notice old accounts and old collections that I have Know Knowledge of please help me resolve this issue.
Consumer complaint received 2024-04-23
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. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  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 identity theft. Please see attached file for these items I am complaining.
Consumer complaint received 2023-07-19
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: Mercedes Benz Financial Services (DC)

XXXX is constantly reporting fraudulent information on my credit profile after I've asked XXXX to do an investigation into the fraudulent activity. however, XXXX is verifying fraud with no result on how they did the investigation. XXXX is in violation of the FCRA
Consumer complaint received 2024-07-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NY)

I had a citizens account that was inactive for around 2 months and they closed it without notice. As I wasn't aware of the account closure I sent myself a quick pay on XX/XX/year> from my chase account ending in XXXX to that account in the amount of {$40.00}. I got right away a bounce back that it was canceled but with out a reason, so I tried again and it went through. Now when I tried logging in to my citizens account I saw that it was closed due to inactivity and I have no way to access those funds. I reached out to chase and they told me that the zelle was processed on their end and the receiving bank accepted it so I need to call citizens. As I called them and filed a XXXX complaint with them, they told me that they can't return it, without XXXX asking them to do so. So here I am.
Consumer complaint received 2023-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (NJ)

The M & T BANK HAS RETURN A CHECK THAT WAS ALREADY DEPOSIT AND CASHED IN MY CHECKING ACCOUNT DUE TO A MISSING SIGNATURE FOR THE HOMEOWNER WIFE. I DEPOSIT THE CHECK ON XXXX XXXX AND THE CHECK WAS RETURNED XXXX XXXX. THE CHECK THAT WAS BEING RETURN CAUSE MY CHECKING ACCOUNT NEGATIVE XXXX. IM NOW BEING HIT WITH FEES AND ALL MY SUPPLIER ARE NOT PAID. I WENT TO THE XXXX BRANCH TO ASK HOW CAN THIS MATTER BE FIXED. THEY STATED PLEASE GET THE WIFE TO SIGN THE CHECK. T WENT TO HOMEOWNER AND OBTAINED THE WIFE SIGNATURE AND RETURN TO THE BANK TO REDEPOSIT THE CHECK. THE BANK MANGER XXXX STATED SHE CANT DEPOSIT THE CHECK. I SAID WHY DID I TAKE OFF WORK TO COME BACK DOWN HERE TO GET THE SAME RESPONSE AS YESTERDAY. XXXX THE BRANCH MANAGER WAS THE PERSON TO INITIATE THE DIRECTION THE SAID I NEED A FORM FROM THE BANK THAT THEY MAILED TO ME. 
I NEED THIS MATTER EXPEDITED AND RESOLVED ASAP THANK YOU
Consumer complaint received 2024-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (WA)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( XXXX ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VT)

TODAYS XXXX XXXX, XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, VT XXXX Equifax XXXX XXXX XXXX XXXX XXXXXXXX GA XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX PA XXXXXXXX XXXX XXXX 

I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX XXXX XXXX I Reported : XXXX. XXXX, XXXX CHILD SUPPORT Reported : XXXX. XXXX, XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 
XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX VT XXXX
Consumer complaint received 2024-04-23
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. (MO)

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The credit bureaus have stated that my account has been properly investigated. 
How is that possible when the open date is inaccurate, the date last active is inaccurate and the last reported date is inaccurate also. 

This is grounds for removal, also they violated my rights under the Title 15 U.S.C 1681 section 602 A. which states : I have the right to privacy.

15 U.S.C 1681 section 604 A section 2. states that a consumer reporting agency can not furnish a account without my written instructions.

The credit bureaus took more than 30 days to complete my investigation.
Consumer complaint received 2023-12-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency canno furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

XXXX Open Date XXXX XXXX I have been ignored from both the creditor and the credit reporting bureaus. I have file a dispute and no investigation was opened and nor results were sent to me. I also had attached a police report for the fraudulent accounts and incorrect information reporting.