davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

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 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-20
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. (TX)

I reviewed my consumer reports and noticed that there were many inaccurate accounts on my credit reports XXXX XXXX XXXX opened XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX  XXXX opened XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX credit inquiry XX/XX/XXXX Based on other information ' l just received from US Department of education my XXXX has been placed on good standing and has been removed on defaults upon all these my reports has not changed but my scores is getting worst of which l cant explained ls really frustrating Consumer reporting agency have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy i contacted XXXX couple of months ago and asked them to investigate and removed all these inaccuracies, hard inquiries from my credit report that they are illegally reporting and l requested specifically the alleged application bearing my signature they have not been able to provides those proof to me This si a violation of the fair credit reporting act and these disputed can not appear on my credit report if it can not be supported by any evidence or proof. it is really frustrating .This is not my first time reporting my issues but my scores keep on descending with same inaccurate informations .As l said the departments of education just adjusted my XXXX loan status and removed it from deault and put it in good standing but the reports on my accounts is different why why why with my scores plunging down l need an answer
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WA)

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 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
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 2024-05-21
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)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) 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- ( ipromptly 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 ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

On XX/XX/2019 I called USAA to close my credit card account. I had a bill for the annual fee of {$35.00}. I was told they could not waive the fee even though I was closing the account " due to Federal regulations '' the fee was out of their control. I was closing the account the fee was for the year coming not the year past, so how can you not waive it as I was closing the account. They claimed it was for their services, what services if I was closing the account? I spoke with 2 different people and they both claimed that due to " federal regulations '' they could not waive the fee. They essentially charged me for services that I did not receive. Is this correct and legal?
Consumer complaint received 2018-04-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY (AZ)

I tried to close my account on XX/XX/XXXX and there was a maintenance fee charge of {$25.00} that was refunded however had to call back the next day to close the account. I did not get around to calling tillXX/XX/XXXX and was charged another {$25.00} Maintenance fee for an account that has not been in use for the last 2 months. The customer service representative said I had to pay the {$25.00} before closing my account. I told her that I'm not paying for something that I am not using. I used all the funds in the account to buy a house and left the account with XXXX  funds in XX/XX/XXXX.

I don't have time to keep calling and the account should have been closed the first time I called. Why did I have to call back again and did call back in the same month an now have another fee and can not close the account. I requested to speak to a supervisor and was on hold for 15 minutes. The supervisor refused to close my account unless I paid the fee. This is an UNFAIR DECEPTIVE ABUSIVE PRACTICE. I would like my account closed and fees waived. Also TD should not be reporting me to XXXX XXXX for fees that I'm not responsible for.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-20
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)

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX {$980.00} XXXX  XXXX {$570.00} XXXX  XXXX {$6200.00} XXXX XX/XX/year> XXXX  XX/XX/year>
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the FAIR CREDIT REPORTING act. The list of accounts below has violated federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and I did not receive the OPT-out notice at the time I created the account under 15 USC 6802. 

Unknown 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 15 USC 1681 section 602a. States I have a right to privacy.

15 USC 1681 section 604a section 2. It also states a consider reporting agency can not furnish an account without my written permission.

15 USC 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 USC 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 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Dear XXXXTransUnion, This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ) regarding the inaccurate address listed on my credit report. Despite multiple previous notifications, the address XXXX XXXX XXXX, XXXX, NJ XXXX remains on my report. 

As per 15 U.S.C. 1681i ( a ), I request an immediate reinvestigation of this disputed information. I do not have legal access to the mailbox associated with this address as the key was turned into the post office, and I have received calls from the leasing office regarding this issue. It is essential that you delete this address from my credit report since it is no longer valid for me and is impacting my credit negatively.

Furthermore, under 15 U.S.C. 1681c ( a ) ( 5 ), consumer reporting agencies are required to maintain accurate and up-to-date information. Continuing to list an address at which I do not reside and to which I can not legally collect mail constitutes a violation of this statute. The United States Postal Service can verify that I no longer reside at this address. Additionally, you can contact the leasing/property management office at ( XXXX ) XXXX to confirm that I do not reside there. 

I request that you correct this error promptly and confirm in writing that the incorrect address has been removed from my credit report. 

Thank you for your immediate attention to this matter.
Consumer complaint received 2023-09-26
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: NAVY FEDERAL CREDIT UNION (TX)

I have noticed several inquiries on my credit report that I do not recognize nor did I apply for credit in my name. These unauthorized inquiries should be removed according to FCRA guidelines. Here are the details of the inquiries listed below. Ive already followed protocol and reached out to creditors to no avail. Please remove. 

XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2024-05-20
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)

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX OF XXXX **** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chapter XXXX Bankruptcy XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX OF XXXX XXXX Chapter XXXX Bankruptcy Federal # XXXX XXXX OF XXXX **** XXXX XXXX Bankruptcy XXXX XXXX XXXX  FL XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. Account Name : XXXX Account Number : XXXX. 

In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Despite this many attempts to resolve this matter, it remains uncorrected. This letter serves as a formal complaint regarding the persistent failure to address this issue. I have been diligently attempting to correct the late open account error with your institution. Despite my repeated efforts and compliance with all requested procedures, the problem persists. This prolonged failure to resolve the issue is entirely unacceptable.The continuous presence of this error has caused significant stress and inconvenience, impacting my financial standing and eroding my confidence in your institution 's ability to handle such matters effectively. This should involve a thorough review of my account records to identify and correct the discrepancy, as well as the implementation of measures to prevent similar errors in the future. I trust that you will help me with the urgency and seriousness it warrants and take all necessary steps to restore my confidence in your institution. With this, I am asking for your assistance to correct account : XXXX XXXX Balance : {$74.00}.
Consumer complaint received 2024-05-20
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)

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 XXXX party. They in fact did not come from a XXXX 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 2024-05-21
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. (NC)

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. 

I requested XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( XXXX ), they are supposed to modify accounts that aren't reporting correctly. 

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 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

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 2024-05-20
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)

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 need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-05-20
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. (IL)

On XX/XX/year> I sent Equifax a Debt Validation Letter Regarding below accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts, ( i.e. an ORIGINAL CONTRACT BEARING MY SIGNATURE ). I formally request that this information be immediately deleted from my credit file they maintain my social security number. As of today it's been over 30 days from XX/XX/year> and XXXX has failed to respond as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), These accounts have not been validated, updated, or deleted.
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I tried disputing these accounts with the credit reporting agencies and the creditors but did not get satisfactory results. I have no knowledge of these accounts and have requested they be removed from my credit report. Section 605B ( a ) of the FCRA requires consumer reporting agencies ( CRAs ) to block this information within four business days of receiving proof of the victim 's identity and a copy of an identity theft report. CRAs and credit furnishers are also required to help victims restore their credit history. As a victim of identity theft, I am requesting the consumer reporting agencies to block the accounts listed in both identity theft reports and remove them completely from my credit reports within 4 business days of receiving this complaint.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion has failed to remove information ( a hard inquiry from XXXX XXXX  ), from my credit report after being notified by the bank in writing that the inquiry was the result of a fraudulent attempt to open an account using my identity. On XX/XX/2024 I received a form letter via secure email from Transunion advising me to contact the creditor to request a fraud investigation. The fact is that XXXX XXXX  has already notified Transunion that the inquiry was the result of a fraud ( please refer to the attached letter as well as the associated complaint with CFPA ). 

The Transunion file number is XXXX