davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-26
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)

My name is XXXX XXXX XXXX, Consumer currently residing at XXXX XXXX XXXX XXXX XXXX, FL XXXX in XXXX XXXX XXXX I am writing the complaint because Equifax , Inc. sent a consumer credit report for XXXX XXXX XXXX, Consumer on XX/XX/XXXX, confirmation number : XXXX, stating that, " The disputed item is not currently reporting on the EQUIFAX CREDIT FILE. COMPANY NAME : XXXX XXXX ; ACCOUNT NUMBER : XXXX. '' However, this is false and misleading information seeing as though XXXX XXXX is still reporting on the EQUIFAX credit file of XXXX XXXX XXXX as of XX/XX/XXXX on multiple platform including Equifax.com and XXXX XXXX. I spoke with XXXX, an EQUIFAX customer services representative, who provided confirmation number : XXXX, stating that, " the report was sent after XXXX XXXX agreed to remove the account from the EQUIFAX credit file of XXXX XXXX XXXX, Consumer. This account should no longer report on the EQUIFAX credit profile of XXXX XXXX XXXX. '' This conversation was recorded by EQUIFAX AND XXXX XXXX XXXX. EQUIFAX also reported on the Consumer Financial Protection Bureau, Case Number : XXXX, that this account is not reporting currently reporting. However, it is still reporting. 

XXXX has already removed this inaccurate, negative, inequitable account from the credit file of XXXX XXXX XXXX, XXXX.
Consumer complaint received 2023-05-04
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. (TX)

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that Ihave signed any agreement. The items I'm challenging have nothing to do with anytransactions I've done or authorized to gain products, services, or money. Please remove thefollowing items : XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TXXXXX XXXX XXXXXXXX XXXX Balance : {$4900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX Balance : {$4900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: KEYCORP (CO)

I saw an unknown charge on my checking account on XX/XX/2023. I contacted my bank ( KeyBank ) immediately. They said to wait until the transaction cleared to file a dispute. On XX/XX/2023, I filed a dispute. I was informed that KeyBank had 90 days to resolve the dispute. On XX/XX/2023, I asked for the status of the dispute since 90 days had passed and I had not received my money back ( {$2000.00} ). I was told that KeyBank had no information regarding the fraudulent charge dispute.
Consumer complaint received 2023-07-06
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. (PA)

This is my 6th endeavor 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX {$8800.00} XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8800.00} XXXX XXXX XXXX XXXX  Balance : {$2700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXX XXXX Balance : {$8800.00} XXXX XXXX Inquired on XXXX XXXX XXXX
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

Collection from XXXX and XXXX XXXX XXXX or XXXX XXXX XXXX in the amount of {$840.00} is on mine and my daughter 's credit and it was included on a bankruptcy last year. Case XXXX. I have requested XXXX and Equifax to take this off my credit report and My daughter XXXX XXXX credit, but they have not. Please see the attached document.
Consumer complaint received 2023-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (GA)

COMPLAINT - Is this a case of Banking While XXXX? 
Complaint against Navy Federal Credit Union ( NFCU ) XXXX XXXX XXXX | XXXX XXXX XXXX XXXX, registered in the state of Georgia. 
Account Number : XXXX Cell : XXXX Email : XXXX Synopsis : Racially profiled, discriminated against and made to feel like my life was threatened by the actions of the police/security XXXX, during the incident that occurred on Thursday XX/XX/2023, at a NFCU branch XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. I had gone there to write and issue checks to my drivers.
Consumer complaint received 2024-04-26
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)

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 XXXX XXXX XXXX XXXX LA XXXX, XXXXXXXX XXXX XXXX/EQIUFAX XXXX XXXX XXXX XXXX MA XXXX. I have informed these companies of the eras but have not heard back from them yet. I also included all appropriate ucc codes and titles concerning these inaccurate hard inquiries
Consumer complaint received 2024-04-19
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)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Can you review the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates.
Consumer complaint received 2023-12-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (NV)

Formal Complaint Regarding Equifax 's Failure to Address Disputed XXXX XXXX Account Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax regarding their failure to take appropriate actions in response to multiple disputes I have submitted concerning an XXXX Collection account on my credit report. 

I have submitted several disputes to Equifax regarding the XXXX XXXX account in question, requesting that it be deleted or removed from my credit report. Despite the requirements of the Fair Credit Reporting Act and the information I provided to support my claims, Equifax has not taken any actions to rectify the situation. 
I am seeking the Consumer Financial Protection Bureau 's intervention to ensure that Equifax fulfills its obligations under the Fair Credit Reporting Act. I kindly request an investigation into the handling of my dispute and ask that Equifax take immediate action to rectify the inaccuracies associated with the XXXX XXXX account on my credit report. 

I understand the importance of accurate credit reporting and believe that the unresolved dispute is adversely affecting my creditworthiness. I seek a prompt resolution to this matter and request that Equifax provide me with an update on the status of the dispute resolution. 
Thank you for your attention to this matter, and I appreciate your assistance in resolving this issue.
Consumer complaint received 2023-12-18
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. (AL)

XXXX. **Details of the Disputed Information : ** - Account ( s ) in question : On XX/XX/2023 I notified this agency that I was a victim of identity theft via certified mail and as of today XX/XX/2023 this agency continues to report information that resulted from the identity theft. 

Section 605B, Block of Information Resulting From Identity Theft, requires consumer reporting agencies to notify furnishers of information, including financial institutions, that information may be the result of identity theft, and that an identity theft report has been filed. I provided them with FTC report number XXXX, as well as a block that had been requested. Upon receiving such notice, Section 623 ( a ) ( 6 ) requires furnishers to block the reporting of any information in the file of a consumer char the consumer identifies as information chat resulted from identity theft, not later than 4 business days after the date of receipt by such agency of 1. Appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer.

All four requirements were met by me and will be attached to this complaint. At this time the agency has failed a requirement of the FCRA 15 U.S. Code 1681c-2 to block the reporting of the information in my file that I identified as information that resulted from the identity theft, not later than 4 business days after the date of receipt by such agency which is a violation of law and is civilly liable to me for willful noncompliance actual damages sustained by me as a result of this failure under 15 U.S. Code 1681n.
Consumer complaint received 2023-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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. 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 to any consumer reporting agency if the person knows it has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing to express my utmost concern and dissatisfaction regarding the handling of the many attempts to remove fraudulent items. It is imperative to address this matter promptly and comprehensively to uphold the integrity and fairness of the process. 

The persistence of these fraudulent items not only undermines the credibility of the process but also raises serious questions about the effectiveness of the measures in place to prevent such occurrences. 

Therefore, I urge you to conduct a thorough review of the many attempts to remove fraudulent items and identify the shortcomings that contributed to its failure. It is imperative to implement corrective measures urgently to enhance the effectiveness of future attempts and prevent the recurrence of similar issues. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX {$5300.00} ; XXXX XXXX {$10000.00} ; XXXX XXXX {$3700.00} ; XXXX XX/XX/2023.
Consumer complaint received 2023-04-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Law Office of Michael J. Scott, PC (TX)

On the XXXX of XXXX I recieved communication that I was being sued, by XXXX XXXX and yes I have done business with them years ago, but now they are suing me without ever informing me a debt nor giving me any opportunity to even know if this is my debt I asked for prove like a Dunning Letter or something to say I had an option to dispute this debt and they have not did that, I just received A response from the lawyer office the week of the XX/XX/XXXX, with still no prove nor did they answer my questions, they sent the same thing that they filed the lawsuit with! I am just mailing a certified letter on XX/XX/XXXX to again ask for proper documentation on this claim and I also having to appear in court on XXXX the XXXX to appear in front of a judge and this is an illegal process and these ppl want send me any prove that shows this is me or any letters sent to me prior to this court case. This should be dismissed and this ppl should be paying me and not to mention a 3rd party has information about me for which I didnt give permission to do so, they are illegal suing me. Also, attached below is the only information given that they were able to file a lawsuit on! That should not be! Also, all information redacted account numbers, pricing, etc. and XXXX was not contacted because they never contacted me and everything is going through Scott and Associates.
Consumer complaint received 2024-05-01
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. (TN)

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 3rd party. They in fact did not come from a 3rd 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 2023-12-18
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)

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance.I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting.The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The XXXX CRRG states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts.Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it!
Consumer complaint received 2023-12-18
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. (NJ)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-12-18
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. (OH)

Account name : XXXX ; # XXXX, XXXX XXXX XXXX : XXXX ; # XXXX, XXXX : XXXX ; # XXXX, XXXX XXXX : XXXX ; # XXXX, XXXX XXXX XXXX : 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  : has violated my rights,15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall, not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (GA)

Between XX/XX/XXXX and XX/XX/2018 there were 7 different inquiries that posted to my credit report that I did not authorize. I sent letters to each company for an explanation and have not received any correspondence as of yet.
Consumer complaint received 2024-05-01
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. (CA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 
Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AR)

The credit reporting agencies keep violating my rights as a consumer. They havent made or investigated any changes, and it's been over 90 days. The accounts that I'm complaining about are reporting on my consumer report incorrectly and need to be removed. Every negatively alleged account is reporting inaccurately and erroneously, which is grounds for removal under the Direct Violation of 15 USC 1681 Reporting Incorrectly. Please have them conduct a full and complete investigation on my credit report. Please don't just have them do it by e-oscar. My life depends on my good credit. Every inaccurate account is unauthorized and needs to be removed ASAP. 

This debt collector and credit reporting agency engaged in abusive, deceptive, and unfair practices of the FDCPA, which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement. A legal contract is signed by two parties, and I did not participate in any of it. Moreover, they didn't follow the proper 5-step validation procedure, which makes this unfair practice. According to the FDCPA, I'm entitled to {$1000.00} per violation, and clearly, they violated my rights. 

They are also suppose to send me investigation letters which i have not received about disputes.
Consumer complaint received 2024-05-01
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 reviewed again my Equifax credit report and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.