davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

To whom it may concern, i send in my request to the three credit bureau to have some of my stuffs on my credit report removed. i send my request XX/XX/2023 but these date i havent recieve anything. Most of the informations on the reports are incorrect.
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. (TX)

I noticed fraudulent accounts on my credit reports so I contacted the credit bureaus about it and requested an investigation. That was 60 days ago. They failed to investigate the matter and failed to remove the fraudulent accounts and provide the results of their investigation.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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Consumer complaint received 2023-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2023, I unknowingly lost my ATM card after using it to withdraw {$100.00} from my local Chase branch. After this happened someone seems to have HACKED my account using my ATM card and made 13 Atm withdrawals at 4 atm machines of between $ XXXX and also two E withdrawals of {$2000.00} each at two different branches within 2 minutes of each other ( XXXX ; XXXX and XXXX ). In total I lost over {$8000.00} and Chase failed to have proper safeguarding to prevent this happening at 4 ATMs and two branches within an hour or two. i did not receive an alert from Chase until that evening and it was a text notification on my app. 
I visited the branch manager and called Chase several times to resolve this with no success. The police came to bank when I was there but just gave me an incident report number and never filed the report. After following up several calls later Chase will not disclose results of their own investigation, will not disclose what security footage finding 's revealed, or taken accountability for their lack of fraud safeguards.
Consumer complaint received 2023-12-02
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)

After carefully analyzing my credit report, I noticed several inaccuracies as it relates to negative accounts, employment history, and addresses where I have never lived. I am requesting that the following inaccurate information be removed from my credit report as this is affecting my score and ability to obtain new credit with different creditors. In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and U.S. Code 168i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies shown in my report? As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) Method of verification-Description of reinvestigation procedure. I have included documentation to verify my correct information. I thank you in advance for your prompt cooperation. Thank you.
Consumer complaint received 2023-08-31
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)

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. 

Account Name XXXX XXXX XXXXXXXX Account Number XXXX Account Name : XXXXXXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX has violated my rights. Or list of inquiries 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 2018-12-27
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (GA)

I made a purchase on XX/XX/XXXX and I was told by the associate that I would receive 10 % cash back in rewards if I opened a store credit card and made a purchase the same day. This associate told me that it would take up to 30 days to receive the rewards. He walked me through the process step by step. I initiated a chat through a representative and they stated that I would receive the rewards. 30 days later, I did not receive my rewards credit. So I called Best buy and they stated to me that because I did financing, I was not eligible. They told me that I would have to pay the balance in full in order to receive the credit. So I asked them what was the purpose of me doing a hard inquiry on my credit report, take out a credit card and make a purchase just to turn around and pay the bill in full in order to receive the rewards credit? That does not make any sense. So I went through their terms and conditions and I do not see where it explicitly states that you are not eligible for the rewards credit if you are doing financing. So I went back to the store and ask another associate and they stated that you do not have to pay the balance in full in order to get the cash back. I am receiving different stories from different areas. The information that was provided to me was misleading. Why would I take out a credit card just to get rewards credit, if I had to pay the balance in full? This is a deceptive practice that Best Buy is doing to consumers. Also, the store associates needs to be properly informed of how the rewards options work. In addition, I would like to see where in your terms and conditions it states that if you choose financing, you are not eligible for the credit. The purpose of a credit card is for financing. Why would someone risk a hard inquiry on their report, if they could just pay the balance in full or use a card that has already been established to pay the bill.
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WI)

I HAVE NEW PROOF INCLUDED in this complaint. After XXXX disputes XXXX continues to report inaccurate information on my credit report. From XXXXUS department of Ed . for XXXX student loans. Instead of doing a thorough investigation, like I requested several times, to contact XXXX XXXX XXXX to verify the student loans were transferred XX/XX/2023 from XXXX to XXXX, they refuse to do an investigation properly. Instead they just ask to verify the old information on my report, if it is accurate, from the last report date of XX/XX/2023 from XXXX about the XXXX loans. XXXX stopped reporting in XX/XX/2023 because the loans were took over by Ed financial & it's so simple, in yet XXXX will not remove these XXXX loans from XXXX from my report! & XXXX keeps saying yes, when they verify if this info. from the last reporting date of XX/XX/2023 is accurate, because in XX/XX/2023 it was accurate! BUT IT IS NOT ACCURATE NOW & HASNT BEEN FOR MONTHS! XXXX XXXX has it reporting correctly, SHOWING I ONLY HAVE XXXX LOANS NOW WITH XXXX XXXX & IN XX/XX/2023 XXXX DEPT OF ED APPROVED ME FOR THE FORGIVENESS PROGRAM & THE OLDEST LARGEST LOAN THAT STATES XXXX on XXXX report, ( ORIGINALLY XXXX XXXXXXXX ) WAS PAID 100 % IN FULL! XXXX is reporting XXXX loans open instead of just XXXX open, with only XXXX XXXX  XXXX in showing XXXX loans still with XXXX open & 2 with XXXX XXXX, open. Im so sick of these errors & lack of CONSIDERATION FOR MY LIFE!!! & EQUIFAX IS REPORTING 1 LOAN, From XXXX, for XXXX which was XXXX transferred to XXXX XXXX & paid fully! This loan should be removed like Equifax removed the other XXXX loans from XXXX. I uploaded proof that the XXXX loans were transferred & the largest loan was paid off 100 %! & By law Credit reporting agency are supposed to report only accurate info & investigate fully! I have uploaded proof of the loan transfer & the largest loan being paid full, on XXXX website & Equifax XXXX XXXX still hasn't removed these inaccurate accounts & Equifax still has removed this XXXX inaccurate account. I am now starting the paper work for a law suit against XXXX & Equifax if they do not remove in 7 days, they had months to correct these errors.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX Experian XXXX is breaking the consumer law pertaining to : XXXX account # XXXX I've uploaded documents I need this corrected immediately and this is a violation I've lost XXXX of dollars and mentally aggravation if this is resolved I will have no choice to move forward with litigation.
Consumer complaint received 2023-08-31
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)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-04-20
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. (CA)

On XX/XX/2024, a company called XXXX XXXX XXXX XXXX, did a hard inquiry on me, and I don't recognize who these people are. I did not apply for anything. The consumer reporting agency has this hard inquiry posted on my credit report. I sent them a dispute and they have not responded back. This is putting a negative ding on my credit. I contacted the consumer reporting agency on XX/XX/2024, and XXXX XXXX XXXX XXXX. I still have not heard back from either one.
Consumer complaint received 2023-10-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (AZ)

I sold my XXXX Toyota XXXX in XXXX of XXXX. The vehicle was paid off and I collected positive equity in the vehicle from the purchaser. I received a statement in my mail 3 weeks after the truck was sold. This statement was from Toyota Financial Services, saying the account was satisfied and the vehicle loan was paid off and my account was finalized. On XX/XX/XXXX  an automatic payment was taken from my account without my permission. When I called Toyota Financial Services the representative informed me the automatic payments on my account have been turned back on and there would be another payment processed in XXXX. The representative had no authority to stop the automatic payments. So I spoke with his manager and she didnt have the authority either. So I spoke with her manager and she didnt have the authority as well. Their solution to me was to go into the Toyota Financial Services phone app and stop the payments through the app on the phone. However because the truck is paid off and the account has been satisfied I have a restricted account and certain features are removed. I have no ability to stop these future automatic payments through the app. I informed the representative who then told me through the app I should remove my banking information. When I went into the app to remove my banking information the message this is a restricted account you dont have the following permissions is shown. So I cant remove my banking information. So I had to request a refund from Toyota Financial Services and call my own bank to order a stop payment from Toyota Financial Services. However it has been a week and I still dont have the money that was wrongfully taken from my account.
Consumer complaint received 2023-08-02
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: EQUIFAX, INC. (AL)

By the provisions of the Fair Credit Reporting Act, I demand that XXXX XXXX XXXX be investigated and removed from my report. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX In acgesdance with the fair credit Resort 995 act XXXX Account XXXX XXXX XXXX, has violated ny rights. Find related content Search 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragra the term " consumer report '' does not include + any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 789 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Please remove this account immediately
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (DE)

I am writing to dispute accounts and inquiries reported on my consumer credit report referenced below, which are the result of unauthorized inquiries. I demand verifiable proof bearing my signature or electronic signature, as I never authorized such actions. This constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B, regarding the block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ], and Fair Credit Reporting Act Section 604. Regarding the disputes with Equifax Information Services LLC, I am providing the following details : Erroneous Current Address : XXXX. XXXX XXXX XXXX, XXXX  XXXX, XXXX, DE XXXX Billing Errors and Inaccurate Reporting : XXXX. XXXX XXXX XXXX XXXX, Account Number XXXX XXXX  - ( XXXX XXXX XXXX  ) - Billing error under 15 USC 1666B. Payments are always made on time. Rectify inaccurate late payment reports. 

XXXX. DEPT OF EDUCATIONXXXX, Account Number : XXXX ( XXXX XXXX  ) - This account violates federal law ( 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) ), damaging my credit. Rectify immediately by verifying and removing this item. 

XXXX. XXXXXXXX XXXX Account Number : XXXX ( Credit Card ) - This account violates federal law ( 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) ), damaging my credit. Rectify immediately by verifying and removing this item. 

Unauthorized Inquiries : XXXX. XXXX XXXXXXXX, on XX/XX/XXXX, made an unauthorized inquiry. This breaches federal law ( 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) ), tarnishing my credit. Remove this item now. 

XXXX. XXXX XXXX XXXX, on XX/XX/XXXX, made an unauthorized inquiry. This breaches federal law ( 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) ), tarnishing my credit. Remove this item now. 

XXXX. XXXX XXXX XXXX, on XX/XX/XXXX, made an unauthorized inquiry. This breaches federal law ( 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) ), tarnishing my credit. Remove this item now. 

XXXX. XXXX XXXX XXXX, on XX/XX/XXXX, made an unauthorized inquiry. This breaches federal law ( 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) ), tarnishing my credit. Remove this item now. 

I expect Equifax to take these corrective actions promptly and to provide confirmation of resolution within the specified timeframe.
Consumer complaint received 2024-04-20
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. (NY)

Upon reviewing my credit report, I noticed that the company Equifax is violating my consumer rights by still reporting a charge off account that has been canceled to my credit profile. Per the IRS, once the account has reached a charge off status, and the lender has filed it on their taxes as discharged debt, the debt is now considered canceled or forgiven. This is now taxable income and income can not be reported to a consumer 's report as debt.
Consumer complaint received 2024-04-20
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. (MS)

I personally disputed how my was being reported to this credit agency. I only received one response and i was told they were not going to take any action from experian in which i was told they thought i was someone else.
Consumer complaint received 2023-12-02
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: Experian Information Solutions Inc. (AR)

The XXXX XXXX account reporting on my consumer report is incorrect and needs to be removed. Every 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 COMPLETELY REMOVE THE ACCOUNT because I have given them plenty of time to conduct a full and complete investigation on this inaccurate and erroneous account. Please don't just have them do it by eoscar ; 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. Furthermore, they didn't follow the proper 5-step validation procedure, making this an unfair practice. According to the FDCPA, I'm entitled to {$1000.00} per violation, and clearly, they violated my rights. I will attach all documents to this complaint. Companies have failed to investigate this account which is a violation of the FCRA AND FDCPA LAWS.
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Equifax is currently reporting information that is inaccurate on my consumer report. I have sent two letters stating the issues at hand and the situation hasn't been rectified. On my personal information there are three names reporting instead of just one, My name is XXXX XXXX. There are three addresses reporting instead of just one. My address is XXXX XXXX XXXX XXXX, Ga XXXX. There are several closed account that are being reported with late payments that have been on my report for years that is currently affecting me. I have a hard inquiry from a loan company I never applied for, and I have three collections that are reporting on Equifax that isn't reporting anywhere else because they have been resolved.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 602 Section states I have a right to privacy. 15 USC 1681 Section 604a Section 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS UNDER 15 USC 1666b A CREDITOR MAY NOT TREAT A LATE PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSES. PLEASE REMOVE ALL LATE PAYMENTS FROM XXXX XXXXXXXX ACCOUNT # XXXX,,, XXXX90DAY LATE, XXXX90DAY LATE. ALL PAYMENTS HAVE BEEN ON TIME.