davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax
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. (NJ)

I added the following part to the letter to Equifax. 

Also, I found out my extended XXXX XXXX XXXX was removed along with XXXX XXXX alert. I have asked to remove XXXX XXXX alert. I enclose the fraud alert request form, which I submitted before. I expect your company shows the respect toward the victims identity theft, especially whose nationality is not the United States citizen.
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. (MI)

( 15 u.s. Code 1602p ) The term " unauthorized use, '' as used in section 1643 of this title, means a use credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

( 15 USC 1692b ) Not state that such consumer owes any debt ; Analysis a debt collector seeking location information must identify themselves by name, but must not identify his employer unless asked. When asked, however, the collector must give the true and full name of the employer to comply with this provision and avoid violating other sections of the FDCPA. An individual debt collector may use an alias if it is used consistently and if it does not interfere with another party 's ability to identify him, and the collection laws of his or her state allow the same.

Telling a 3rd party that you owe a debt is illegal! First, it may not be true thus unjustly damaging your reputation and second, it is simply nobody else 's business. 
" XXXX XXXX XXXX  '' CAN NOT PROVIDE A CONTRACT PROVING ANY BUSINESS I HAVE DONE WITH THEM. I DO NOT OWE ANY MONEYS TO SAID PARTY.

15US CODE 1692J ( A ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating
Consumer complaint received 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

experian is reporting an account from XXXX XXXX XXXX XXXX that's was reporting closed now it's incorrectly reporting open, this account status is incorrect and is causing my score to suffer, this account is violating the FCRA, I want this account removed
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. (MI)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

For a number of years, Ive been XXXX  and have not been able to have access to apply for any accounts due to my absence. They were quite a few accounts open in my name, and I gave no one authorization to do so. I also sent in the police report and called these companies, Also sent letter to the credit bureaus but they have failed to remove these items off my credit report. XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and its been past 30 days since I reach out any response
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. (IL)

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 told XXXX, XXXX, and Equifax to reinvestigate these 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2023-12-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC (NJ)

I been trying to make my XXXX and XXXX payment since XXXX XXXX and I cant get a hold of anyone lines are down, emails arent working. Im going crazy. I dont want to loose my house. I saw in news, social they have been down due to attack. Its XXXX that makes XXXX payments and I can not loose my house I have been trying to make the payments. Call every day, I cant log in, Im just going crazy.
Consumer complaint received 2024-01-06
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. (OH)

I have been declined a basic checking account cause of the unauthorized use that XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX and others i dont authorize
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. (CT)

I have notified XXXX, XXXX XXXX Equifax MULTIPLE times stating that this is NOT MY ACCOUNT and it still remains on my credit report. I have submitted a complaint to CFPB, FTC & my state attorney general. I have attached those complaints here. 

In addition, CFPB filed a lawsuit against XXXX proving their deceptive business practices. I have attached that lawsuit here. I too am a victim of these deceptive business practices and fraudulent accounts not being removed from my credit report. Please remove ASAP. 

XXXX and Equifax are in VIOLATION of 15 U.S. Code S 1681c-2. " A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identify theft, no later than 4 business days after the date of receipt. '' It has been MORE THAN 30 days and you are in VIOLATION of this law because I am a victim of identify theft. Please delete these items IMMEDIATELY. 

XXXX has already removed this account from my report as they know it is not mine. Please remove ASAP.
Consumer complaint received 2024-04-30
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (WA)

I had applied for Credit Card from Wells Fargo Bank, which I never received it at all. 
After a while I started to receive statements to make a payments. I contacted the Fargo Bank right away. Then The Fargo Agent informed myself not to worry, keep making all the payments, then Wells Fargo will reimburse me all the payments back to my checking account. 
Time passed and I kept reporting it to Fargo Credit Card that I never received any new or replacement Credit Card. After a long time passed I kept calling and Complying to Fargo Credit Bank about all the chargers that keep appearing on this Credit Card ... XXXX and others numbers that were used prior to this card. 
I have reported this incident to all the institution about it, also I send documents informing Fargo Credit Card that my mail box were broken into numerous time.

After a long while I called Fargo Credit Card again saying why I have been charged for all these fraudulent chargers. Then Fargo Bank told me again not to worry nor to making any payment on it. 
Assuring myself again that all will be solve soon and I will get all my payments back to my Checking account. So far Fargo Credit Deportment misguided me with all the payments lying to me about sending me new Credit Card and my money back.. But behind my back they FARGO reported this case to collection agency and to Credit Bureaus, That I am owning them money about XXXXXXXX XXXX  All those chargers are not mind Please help me to clear all of this and to get all my money back. I am Victim of fraud and Fargo Should protect my identity, not letting some else to use it. 
Thank you XXXX XXXX
Consumer complaint received 2024-04-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (CA)

To whom it may concern : I noticed my XXXX XXXX  checking account was overdrawn, so I checked it and found that dating back to XX/XX/XXXX, someone gained access to my business checking account number and routing number and started doing ACH debits. The payments were made to Best Buy, XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX The names used were XXXX XXXX XXXX XXXX XXXX XXXX. Two names I've never used and people with whom I have never associated. The amounts ranged from the {$500.00} range up to {$4000.00} more recently, totaling approximately {$21000.00}. 

Once I noticed this, on XX/XX/XXXX, I called XXXX XXXX and filed a claim. They state they are only allowed to reverse charges that were within 30-60 days of the first occurrence. The most recent occurrence was XX/XX/XXXX. Within the past couple weeks, the criminal debited my account for more than {$10000.00}. I called all of the above companies and they stated they couldn't do anything and to talk with my bank XXXX XXXX XXXX, who is not helping me any further. 

In the past, I received texts or emails about suspicious activity, which I believe this is, and I never received any notifications from my bank regarding any of these debits, even though someone else 's names were used for the transactions. 

The transactions with dates and amounts are in a supporting document. 

I believe a fair resolution is to have my money credited back to my account. Since the money used by the criminal was to either purchase something or pay off one of their own credit cards used by the aforementioned companies, they should be held responsible and then the criminal 's accounts will be debited, not mine. I had nothing to do with these charges except for my account being used without authorization.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

XXXX XXXX  XX/XX/year> Unauthorized account on my credit report. I demand this get removed XXXXXXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year>
Consumer complaint received 2023-04-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I am a victim of fraud and/ or identity theft. I am writing to dispute the following item on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or pretending to be me. They may have also used stolen identification and/or documents to obtain goods or services. I never authorized, used, or benefited from these accounts or transactions in any way. Please delete the disputed items on my report within four ( 4 ) days as required by the Fair Credit Reporting Act copied here below for your reference.

FCRA 605B ( 15 U.S.C. 1681c-2 ) Block of Information Resulting from Identity Theft ( a ) Block. I am demanding deletion of reference account.
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. (OH)

I XXXX XXXX demand that all late payments be removed from my consumer report because the term consumer report does not contain information about transactions or experiences between i the consumer and the creditor, pursuant to 15usc 1681 ( 2 ) this is an improper use of my consumer report.
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. (UT)

I am writing to formally complain about inaccurate and illegal reporting of transactions on my credit report, which I believe violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a.

I have carefully reviewed my credit report, and I have identified several inaccuracies in the reporting of late payments and utilization of credit. As per 15 U.S. Code 1681a, The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 
The term consumer means an individual. 
The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. 

* ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; It is illegal to report inaccurate information that adversely affects a consumer 's creditworthiness. 

Below are the specific discrepancies that I have identified : * XXXX XXXX XXXX XXXX. Account number : XXXX. Account type : Home Equity. Date opened : XX/XX/XXXX. Late payments recognized on XXXX, XXXX, XXXX of XXXX. 
* XXXX XXXX XXXX XXXX. Account number : XXXX. Account type : Home Equity. Date opened : XX/XX/XXXX. 104 % credit utilization. 
I am formally requesting that you conduct a thorough investigation into these matters, as required by the FCRA. I kindly request that you promptly correct the inaccurate information on my credit report by removing the incorrect late payments and adjusting the reported credit utilization. 

I understand that under 15 U.S. Code 1681i, you are required to conduct a reasonable investigation within 30 days of receiving a dispute. I urge you to adhere to this statutory requirement and provide me with written notification of the results of your investigation. 

If the investigation confirms the inaccuracies, I request that you update my credit report accordingly and provide me with a revised copy. Additionally, I would appreciate it if you could provide me with information on the steps taken to prevent such errors in the future. 

If my concerns are not addressed within the stipulated time frame, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau. Please treat this matter with the urgency it deserves.
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. (WV)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX-I call them to pay or make settlement on balance due and they said account was sold to collections agency but have no info on who it was sold to. No one will contact me to resolve. Balance on credit report shows i have an active balance but it was sold to collections agency shouldnt have a current balance. Requesting to be deleted or updated and i wish to make payment to close it out.
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. (GA)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (OH)

I have filed XXXX disputes with Equifax in regards to a medical collection debt on my credit report. I have attempted to dispute with creditor first then filed dispute with Equifax, in XXXX of 2023 they came back and stated the debt was valid. Upon my request for the means in which they validated the debt and the information provided they declined and advised I reach out to the creditor which will not respond. Equifax is in violation of my rights as a consumer to accurately prove validation of debt as well as failure to provide accurate creditor information. It is shown on there website to be as a consumer as XXXX XXXX yet they have it on there end as XXXX and XXXX. XXXX and XXXX did there legal obligation to protect me as a consumer and appropriately and properly investigated my disputed and protected me from invalid debt and have since removed this debt from my credit. I am requesting that the debt for XXXX XXXX or XXXX and XXXX in the amount of {$890.00} be removed from my credit immediately.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

Im not able to obtain any credit report data or my scores. I have no negatives nor inquiries with your company and the last time my score generated it was at XXXX score. Please correct this immediately for i am not able to purchase my home due to YOUR COMPANYS ERROR 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 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 more than XXXX years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above