davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

XXXXXXXX XXXX XXXXXXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME DPT EDXXXXXXXX XXXX XXXXXXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXXXXXX XXXX XXXXXXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXXXXXXXXXX XXXX XXXXXXXXXXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME DPT EDXXXXXXXX XXXX XXXXXXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXXXXXX XXXX XXXXXXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXXXXXX XXXX XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXXXXXX XXXX XXXXXXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX, XXXX, and Equifax 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 an 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 or 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 data is inaccurate.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Equifax XXXX XXXX dealer XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX I never applied for any of the items. I called Equifax and asked them to dispute the items along with a police report and they said that they cant do anything. The items are fraudulent on my credit report and its stopping me from obtaining things I need to do in life to better my family. Some items are reporting twice on my report. FCRA requires that all items are supposed to only report one time.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DE)

Recently i did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated inaccurate and questionable items that your agency didnt make sure was reporting 100 % correct. 

In accordance with the Fair Credit Report Act, everything has to be 100 % accurate on my credit report and under 15U.S. code 1681e ( b ) and 15U.S.code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Dear CFPB, I am writing to dispute the information on my credit report as provided under 15 U.S. Code 1681e. I never gave written consent for BANK OF AMERICA XXXX to furnish my information or authorize the disclosure of my information. 

I kindly request that you investigate this matter and provide me with a detailed statement of how this information was obtained without my consent. If proof can't be provided I demand this account be removed from my credit profile. I expect a response and resolution to this issue. Thank you! I have included a screenshot inside this complaint on BANK OF AMERICA XX/XX/year>. Please see screenshot attached : Sincerely, XXXX XXXX
Consumer complaint received 2023-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (CA)

I do not owe security credit collection any money. I do not have a contract with this company. Im requesting they stop reporting this negative item on my credit. Im requesting they ceast & desist and to only contact me by postal service. And since Im asking you to ceast and desist. You cant report any negative items on my credit. Delete this negative items ASAP. Or I will sue you In court. Fcra lets me to sue you.
Consumer complaint received 2024-02-19
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

On the following dates Portfoliorecovery called my home number.. I told them each time that they have the wrong information and to remove me from their call list. Each time I was told that my number would be removed from their call list. They have continued to call and harass me. 

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have over 6months of harassing calls from Portfoliorecovery if more dates and times are required. 

I also informed them that my phone number is registered with the National Do Not Call list.
Consumer complaint received 2024-05-08
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Freedom Mortgage Company (WA)

As of today we are in contingency waiting more additional paperwork from the buyers to go back to underwriting. When they accepted this loan XX/XX/XXXX they told Me the process takes XXXX days. Were closing in on the XXXX  day mark yet with no finish line. They just requested last week that my buyers pay off all their debt. Provide explanitory reasons for taxes. They told us that due to new process that if we dont provide information in XXXX  days that they will push our loan to the end of the pile. However we have fought and fought with them and it just feels like they are dragging this out due to them not getting a current interest rate all while I have not been living in the house for almost a year now and I accepted this off in XXXX of 2023. I have burned through ALL my savings and XXXX dumping both my paychecks into this house payment, all while not getting any ol information from these people.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I do not have any current loans with Department of Education/XXXX XXXX The balance is XXXX. It keeps showing that I owe {$130000.00} on Equifax and XXXX. Disputed with them many times but they have not removed XXXX from my credit reports. I even called XXXX using XXXX to verify that I do not have any balance or current student loans with XXXX. The representative sent me a letter to verify that the balance is XXXX.
Consumer complaint received 2023-09-20
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 am a victim of identity theft and I have tried to contact the credit reporting agencies. They are not processing my disputes correctly and not attaching my FTC reports to the disputes. I have asked for copies of the verification process and never get them.
Consumer complaint received 2024-01-06
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. (TX)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 23. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX  Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 24. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX XXXX  Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 25. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 26. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 27. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 28. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 29. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 30. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Consumer complaint received 2024-01-13
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)

PEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES XXXX UNAUTHORIZED FRAUDULENT INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX EQUIFAX UNAUTHORIZED FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED FRAUDULENT INQUIRIES : XXXX XXXX XX/XX/XXXX
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 with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice 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 2024-01-06
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. (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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX  XXXX Balance : {$28000.00} XXXX XXXXXXXX XXXX Balance : {$590.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$780.00}
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

On XX/XX/XXXX, XXXX, I submitted a reinvestigation letter to Equifax pursuant to 15 U.S. Code 1681i ( a ) ( 1 ) ( A ). The account in mention is XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX This account held numerous inaccuracies and incomplete information. 

VIOLATIONS : 1. The Date Last Active reflects three ( 3 ) different dates across from each credit bureau ; A. XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX Equifax XX/XX/year> ; these inaccurate dates are detrimental because they harm the seven ( 7 ) year length of a consumers right to removal of debt. 

2. The Date Last Payment contradicts the Date Last Active and the Two-Year Payment history. As the report reflects ; I. XXXX XX/XX/year> XXXX. XXXX XX/XX/year> XXXX. Equifax XX/XX/year> ; In light of this error it clearly demonstrates that my credit report fails to demonstrate 100 percent accuracy. 

Equifax failed to conduct an investigation allowing the incomplete and inaccurate information to continuously reflect on my credit report. 

Equifax didn't even go as far as Updating this information to reflect accuracy. 

In addition, Equifax failed to provide me proof of the investigation. Pursuant to 15 U.S.C. 1681i ( 7 ). 

Lastly, Equifax failed to mark the account " Disputed by Consumer '', deliberately showing negligence in the investigation. 

Therefore, the multitude of violations complicit by Equifax, in transgression of my constitutional rights pursuant to 15 U.S.C 1679c ( a ), caused degrading prejudice to financial health. 

As well, in accordance to 15 U.S.C 1681i ( 5 ), the law impose that the credit bureaus are not limited to one option in making a determination. 

It is mandated that they delete an account if it is [ Inaccurate ], [ incomplete ] or [ un-verifible ]. 

The law doesnt allow the credit bureau to pick and choose a particular legal standard to validate their investigation. Nor the option to turn a blind eye to a consumers credit reputation without just cause. 

in short, Due process requires that If the investigation does provide consistency, accuracy and completion amongst all [ Credit Bureau ] accounts, then in light of the fruit of the poisonous tree the [ I ] t MUST be DELETED.
Consumer complaint received 2023-11-03
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. (PA)

XXXX credit card servicing has violated the Consumer Legal Remedies Act, the False Advertising Law, Business & Professions Code 17500, and the Unfair Competition Law, Business & Professions Code 17200. Payment was made XXXX XXXX but failed to report account as paid but instead marked me late. Additionally, I have the right to privacy according to 15 U.S.C 1681 section 602 A. Moreover, 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. Also, 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. I have tried to dispute this account with XXXX over 20 times and they have yet to change the late mark for XX/XX/XXXX on my credit reporting. Remove any late or negative remarks for account. As you can see by the impeccable payment history there is in deed a mistake made by credit servicing team and failed to provide accurate reporting data after 20 times trying to fix the issue.
Consumer complaint received 2024-02-19
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Neon Newco Corporation (NY)

I am a college student with little knowledge of credit cards or loans. I was sent a credit card with my name on it in the mail that I did not apply for and Im afraid that my identity had been stolen. The card was a debit Visa card from NetSpend. I tried to contact the company but was unable to get someone in the phone.I have also received many letters from banks that my applications for loans have been denied that I also did not apply for. A few months ago I froze my credit and filed a fraud report so i dont know what else to do.
Consumer complaint received 2023-11-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (OH)

THIS INVOLVES JP MORGAN CHASE BRANCH IN XXXX, XXXX. OUR BUSINESS ACCOUNT IN THE NAME OF XXXXXXXX XXXX XXXXXXXX, XXXX. WHICH HAS BEEN OPEN FOR XXXX  YEARS WAS SUDDENLY FROZEN WHICH CAUSED PAYROLL CHECKS AND SUPPLIER CHECKS TO BE RETURNED. 
THE EXPLANATION WE WERE GIVEN WAS THAT CHASE NEEDED THE DRIVERS LICENSE AND SOCIAL SECURITY CARD OF XXXX ON OUR INACTIVE OWNERS. WE TOLD THEM THAT HE COULD PROVIDE THE DRIVERS LICENSE BUT THE OWNER WHO IS XXXX YEARS OLD NO LONGER HAD A SOCIAL SECURITY CARD BECAUSE IT WAS IN HIS WALLET WHICH WAS STOLEN SEVERAL YEARS AGO. WE ASKED IF ANOTHER FORM OF ID COULD BE USED INSTEAD AND WE WERE TOLD THAT THEY WOULD LOOK INTO IT. WE NEVER HEARD BACK AND OUR ACCOUNT WAS FROZEN ON XX/XX/XXXX CAUSING HARDSHIP TO OUR EMPLOYEES AND AS WELL AS OUR REPUTATION WITH SUPPLIERS WHOSE CHECKS WERE RETURNED. WHEN WE TRIED TO WORK WITH THE BRANCH MANAGER EXPLAINING THAT OUR BUSINESS WAS AT RISK, SHE SIMPLY STATED THEY NEED THE SOCIAL SECURITY CARD AND NO OTHER DOCUMENT WOULD WORK AND THAT A NEW CARD COULD BE APPLIED AND WOULD BE AVAILABLE WITHIN A COUPLE OF WEEKS. WE EVEN HAD OUR ATTORNEY GET ON THE PHONE AND STATE THAT A NOTARIZED AFFIDAVIT COULD BE PROVIDED THAT WOULD ATTEST TO THIS OWNERS SOCIAL SECURITY NUMBER OR ANY OTHER DOCUMENT ( IE TAX RETURN ). THE BRANCH MANAGER SAID NO THAT YOUR ACCOUNT REMAINS FROZEN. AT GREAT EXPENSE AND EMBARRASSMENT WE HAD TO FIND A NEW BANK AND NOW START TO ESTABLISH A NEW RELATIONSHIP AFTER XXXX  YEARS WITH CHASE. 
THANK YOU
Consumer complaint received 2023-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

I use my Amazon VISA issued by Chase bank EVERYDAY! It's statistically possible that I need to dispute transactions. Last month XXXX XXXX wrongfully charged me {$16.00}. I initially attempted to resolve it via dispute and an evil Chase phone representative has not put a BLOCK on my credit card preventing me from placing disputes online!!! Fortunately XXXX XXXX ended up doing the research and credit my account {$16.00} THREE TIMES! 

However because of the evil Chase rep, I can no longer place disputes online. Therefore I have started to use my OTHER XXXX XXXXXXXX  card. IF CHASE BANK DOES NOT RELEASE THE ABILITY FOR ME TO DISPUTE ONLINE I'M SUING THEM!
Consumer complaint received 2023-04-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OR)

I have tried and tried to get all of my banking account, savings, checking, cd 's, and an irrevocable trust account information from USAA. They will call and leave a message and when I call back I get a message and then back to ground zero. This has now gone on for far to long. I only found out about all of this fraud when the account was basically empty. They treated me horribly. My grandfather was one of the original 300 members of USAA. I need to get some resolution. I need all of my records because these were stolen by the thieves, my mom and brother.
Consumer complaint received 2023-11-28
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: Experian Information Solutions Inc. (CA)

These inquiries are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX