davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

Equifax has refused to provide me with a free copy of my annual credit report. 
I informed them that creditors refused offering credit based on information they are reporting. 
Equifax, who had recently reported a credit breach in their system, and who I no longer therefore trust with the security of my informations, has demanded a photocopy of both my governament issued ID and my social security card in order for them to provide to me my credit report. 
I fear them keeping copies of my government issues IDs would expose me to identify teft. 
They asked security questions to verify my identity and I complied. 
Initially a customer service rep of theirs, had asked a copy of my utilities bills as a safer alternative but the next representative I spoke to, after we got disconnect by a poor connection, insisted on the photocopies of DL and social security card as the only way for me to receive a copy of my credit report. 
Since most USA citizen can get their free annual report just by requesting it, I am feeling discriminated upon.

They have also refused to let me record the absurd conversation.

So if I don't let this agency, whose security breach had put customers at risk for identity theft, store my delicate information, I won't have access to my credit report from them and no way to dispute the inaccuracies.

I even offered sending them a notarized letter that verifies my identity in a written request for a copy of my report.

They again refused to provide my report.

I just want a copy of my report without putting myself at risk that someone else could impersonate me, being in possession a copy of my DL and SS card.

Their past security breach is the proof that personal informations are not safe with this agency.

Thank you for your time. 

Best
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

XXXX fraud/security departments do not respond to any of my communications due to their fraud and guilt, please see the attached and kindly have it forwarded to the fraud/security department ( s ) for processing with an account credit of {$23000.00} plus interest and a credit report correction due to their misleading action of instructing me to not pay the fraudulent charges on my account causing a 30 day past due reported on my credit reports. This non-disclosure, lack of communication and false reporting is clearly a sign of guilt on XXXX XXXX XXXX behalf.
Consumer complaint received 2022-10-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NY)

XXXX  has taken thousands of dollars refused to change email and password for me after my password phone and such were stolen. I sent the police report and documents to no avail. Cashapp also denied my XXXX dispute from the robbery.
Consumer complaint received 2024-01-29
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. (NY)

XXXX XXXX reporting charge off but won't send me XXXX for the charge off. This is tax fraud. I filed it as income. Income can not be stated on a consumer report.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I am writing to follow up on my previous communications regarding the unresolved issue of fraudulent items on my account, despite many attempts to address it. 

The presence of these fraudulent items not only jeopardizes my financial security but also undermines my trust in your company 's ability to safeguard my interests as a customer. Furthermore, the lack of resolution has caused me significant stress, inconvenience, and potential financial losses. 

I understand that resolving such matters can take time, but the prolonged delay and lack of communication are unacceptable. Therefore, I request an immediate update on the status of my case and a clear timeline for when I can expect the fraudulent items to be removed from my account. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-01-30
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: EQUIFAX, INC. (PA)

al these accounts that i dont know and are in my report i dont want them, ihave reported them many times XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Equifax is reporting Information that belongs to someone else. I notified on several occasions to ensure they have the most accurate information in my credit file at all times. Equifax was asked to delete the following inaccurate information from my credit file within the following 30 days. I know that they have up to thirty days to meet my requirements. I did not receive any updates from Equifax during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that Equifax incorrectly reported and should be deleted immediately. 


XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX
Consumer complaint received 2024-07-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (FL)

I have attached a full description of the issue, but in short : Ally Bank, The XXXX XXXX XXXX ( XXXX ) Revocable Trust used Trust Funds to obtain CDs funded XX/XX/XXXX. XXXX had personal accounts with Ally Bank, and the XXXX where XXXX and XXXX XXXX ( XXXX ) ( me ) were/are Trustees. XXXX XXXX had Power of Attorney before and at the time of XXXX death.XXXX is the Executor of the Estate of XXXX XXXX XXXX. Prior to her death, the XXXX interest income was reported under XXXXXXXX XXXX SS #. The CDs were 13 month ( $ XXXX ), 18 month ( $ XXXX ), and 20 month ( $ XXXX ). CDs were subject to early withdrawal penalties, but no penalties with the death of the grantor/owner. Per Ally Bank T & Cs, CD Interest ( >12 mo CDs ) Credits at the end of the calendar year. XXXX XXXX XXXX passed away on XX/XX/XXXX. On XX/XX/XXXX I by Secure Message and FAX provided Ally Bank with the XXXX for the XXXX TRUST ( see attached ). In the communication to Ally Bank were instructions to apply the interest earned on the CDs to the XXXX. Ally Bank issued XXXX for XXXX with the CD interest reported under XXXX 's SS #. This causes IRS penalties. Note that a XXXX Election was taken when the TRUST XXXX was obtained, the TRUST first fiscal year is XX/XX/XXXX - XX/XX/XXXX. In incorrect XXXX was also issued for the XXXX.
Consumer complaint received 2022-10-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (VA)

I set up a Square account for my XXXX and XXXX XXXX XXXX  and I processed 2 transactions and 2 transactions got declined for reasons out of my control. 

They wanted me to verify my account which I did. I sent the my XXXX  paperwork, Drivers License, Linked my bank account and 4 other things of proof and they deactivated my account and are holding my money until XXXX. 

They need to release my funds to my linked business account instantly. 

This is not fair practices and it is discriminatory. 

All of my business paperwork is current and licenses valid. 

They need to release my money. 

Square is participating in discriminatory Banking practices.
Consumer complaint received 2023-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my FURTHER Complaint regarding the identity theft that I experienced. In accordance with Fair Credit Reporting Act Section 605B ( a ), you must remove or block any information that was opened without my knowledge, consent, or authorization within 4 business days after receiving the following : ( 1 ) appropriate identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) a statement from the consumer confirming that the information is unrelated to any transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-30
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: EQUIFAX, INC. (NC)

Please be advised that I sent my first request XX/XX/2023, to review my consumer credit report, there are several fraud/unauthorized inquiries listed. Equifax is notorious for sending back a response that items have been validated or the record is accurate, without providing tangible proof of what research you did to conclude this decision.
Consumer complaint received 2023-05-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (IL)

On XXXX I checked my credit report through XXXX XXXX and I have over {$9000.00} in debt to a combination of XXXX XXXX, XXXX XXXX XXXX, and Account Resolution Services. These all are indicating that they are out of the XXXX XXXX Area, several seem to be d/t medical services provided that I did not receive. The account dates range from XXXX. Of note, my father passed away in XXXX and he did live in the XXXX XXXX area, so it is likely that my information was used for these debts either fraudulently or because I was his next of kin.
Consumer complaint received 2024-01-29
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. (GA)

I looked at my credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to XXXX on XXXX, XXXX and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. They are breaking the law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 15 USC USC 1681i ( 5 ) it states that this ( 5 ) Treatment of inaccurate or unverified information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer reporting agency if- ( i ) the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

This is unfair and if they are doing this to me imagine who else they are doing this too.
Consumer complaint received 2024-01-29
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)

Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written or unwritten, verbal or nonverbal per 15 USC 1682.
Consumer complaint received 2023-11-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Exeter Finance, LLC. (OH)

This company has lawfully received a Cancellation of Debt form from the IRS that was sent to Exeter Finance Inc, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. The IRS has recorded and written this debt off in the amount of {$51000.00}. I have in my possession a certified copy of this information from the IRS as proof. I will now have to claim this amount on my taxes as income. I have communicated with Exeter Finance several times about this and they refuse to acknowledge the federal governments own documentation that this debt has been cancelled. A copy of the form is enclosed as an attachment.
Consumer complaint received 2024-01-29
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. (VA)

Starting on XX/XX/XXXX I sent dispute letters to the 3 bureaus ( XXXX, Equifax and XXXX ) disputing the late payment on the Closed account with XXXX XXXX 

Payments status reflects CURRENT on Equifax and also on XXXX but on XXXX it is reflecting that I have been 180 Days late on a CLOSED account that has been paid in FULL and has a XXXX balance. 
I have submitted more dispute letters in XXXX XXXX and just recently today XX/XX/XXXX I have received no response and clearly this is not reporting accurately. According to the F.C.R.A any item or items that are not reporting correctly should be deleted.
Consumer complaint received 2024-01-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (VA)

On XX/XX/2023 I discovered my United Chase credit card was missing. Upon contacting Chase I learned that transactions were attempted to include {$15000.00} for a XXXX  watch at XXXX ( Jewelers ) followed by {$6000.00} at XXXX XXXX. I also filed a police report. Despite the uncharacteristically large size and content of this purchase Chase accepted the first transaction at XXXX ( while declining the second at XXXX XXXX ). Chase subsequently conducted a series of investigations in which they claimed to have found compelling evidence I participated in the transaction ( without explaining how ). This opinion contradicts others which were revealed to Chase over the last few months including those of XXXX 's store director, who attested she observed video which revealed the purchaser to be a ( different ) individual who had defrauded multiple XXXX locations along with the police detective assigned to my case ( whom Chase declined to reach out to ) attesting to the veracity of my claim and absolved me from involvement. As things stand almost XXXX months after the occurrence Chase steadfastly refuses to label the occurrence as fraud.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Chime Financial Inc (VA)

On XXXX, I reported a {$300.00} unauthorized transaction stolen from my card to Chime Bank XXXX I provided evidence that I paid the XXXX XXXX XXXX XXXX for that night, and a worker there attacked my room 's privacy and stole {$300.00} from my credit card. 
Chime customer service blocked the card and informed me within 48 hours I would be refunded for the unauthorized transaction. But until today XXXX, I didn't get a refund, and every time I call they say we are investigating! or give a false promise of refund and I didn't get my stolen money. 
I need your help to get my refund back and investigate Chime for their negligence in dealing with our money. I feel very frustrated.
Consumer complaint received 2023-09-27
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. (NC)

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX and XXXX XXXX XXXX were reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Consumer complaint received 2024-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to file a formal complaint for violation of 15 U.S. Code 1681s-2. I notified the credit agencies via certified mail about my concerns regarding the accuracy of certain items on my credit reports. I personally wrote and sent this request, without involving a third-party agency. It seems evident to me that they are misusing their authority under the FCRA to avoid a thorough investigation.

I contacted the creditors listed below, requesting an investigation into potentially fraudulent, inaccurate, and falsely reported items. However, I have not received any response to date. I believe this delay is a deliberate tactic to gain an additional 30 days to comply with my original request, which I consider a clear violation of XXXX5 U.S. Code 1681i - Procedure in case of disputed accuracy.

The credit reporting agency has been providing incorrect and incomplete account information on my credit file. I am deeply concerned about the presence of these inaccurate accounts on my credit profile. Their agency has failed to uphold reasonable procedures in ensuring the maximum possible accuracy of the credit information they report. Consequently, you may be held liable under 15 U.S.C. 1692g validation of debt. Additionally, based on the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), your agency could be liable for false reporting. It is crucial that credit reporting bureaus adhere to laws that require them to report only 100 % accurate credit information.
Consumer complaint received 2024-01-30
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)

In XX/XX/2023 I received a letter from XXXX XXXX stating that XXXX XXXX XXXX Nevada had acquired a debt of mine from XXXX XXXX XXXX XXXX when I inquired about it and ask for a validation of the debt they purchased which i am entitled to under the FDCPA I got nothing instead they reported it to Equifax and the others which caused my credit score to drop XXXX points and in turn caused me to be denied credit at a retailer I was trying to get credit with. The actions of XXXX XXXX  was RETALIATION which, in Texas is illegal. As you will see in the attachments I'm providing this should have never been reported until I received the validation letter which again, I never received
Consumer complaint received 2024-01-29
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. (KS)

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 2024-05-05
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)

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.