davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-06
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)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I would like for the attachments that is below to be analyze and demanding removal immediately for the accounts that are listed on my report are all fraudulent and wasn't given a consent by me. Thank you, XXXX XXXX.
Consumer complaint received 2024-01-09
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. (SC)

XX/XX/2024 Per the FCRA as a federally protected consumer I am now opting out of of any and all authorization I the consumer may have given written and unwritten, verbal and nonverbal per 15 usc 16802. It is illegal to report transaction history and per 16 cfr 433.2 and 16 cfr 433.3 states that you are not exempt from claims.
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), I have requested the following accounts be verified and to provide me with what documents are received or whom was spoken that gave the information to verify and this is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.I have made several request to have this done.
Consumer complaint received 2024-01-09
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. (AK)

I never received a 30 day opt out notice per 12 CFR 1016.7. Nor was I given reasonable opportunity to opt out per 12 CFR 1022.24. Per 15 USC 1681a ( 2 ) ( A ) ( 1 ) reporting transaction history is ILLEGAL. 15 USC 1682b ( c ) ( 2 ) states written instructions of the consumer are needed. Provide me with the written instructions given that gave permission to use my information. 15 USC 1681c states no derogatory remarks besides convictions of crimes shall be reported. 12 CFR 1022.3 defines IDENTITY THEFT as a fraud committed or attempted using the identifying information of another person without authority. 15 USC 1681n explains civil liability for willful non compliance which per my first complaint, has not been followed. ( B ) details the monetary penalties at {$1000.00} per violation with and damages included as I have been denied credit. 15 USC 1681o is civil liability for non compliance. Next reports are going to the FTC, XXXX, FBI for non compliance, unauthorized use of non public personal information, and miss-use of said information. I also want a copy of my complete credit file not an E-oscar report.
Consumer complaint received 2023-12-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: LoanCare, LLC (NV)

I applied for a loan assumption due to a divorce, which has taken loan care several months to reply. Loan care will not allow me to speak with any loan assumption specialist. They sent me a denial letter stating that I have insufficient history of income yet I have been in the same line of work for over 20 years. I have requested a callback Phone, email and Ive even gone as far as trying to contact officials via XXXX demanding a reply and nobody has answered me. In my initial loan assumption documentation that was provided to me I was charged {$400.00} and my credit was run. It took loan care several months for a reply. The initial rep that I spoke with said that I didnt need to add anybody on the loan assumption, documentation, all, although the loan assumption documentation said that I can add an immediate family member. They told me that I would qualify on my own since I originally qualified for the loan on my own. Fast forward several months later I get the denial. Now I am demanding to speak with somebody there and nobody is responding. I want to apply for my loan assumption again and if need be, I will add my mother whom is an immediate family member, which the original documentation stated that I can do and I want this done in an expeditious manner, and to be able to speak with somebody at loan Care.
Consumer complaint received 2023-04-27
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. (MI)

There has been a MASSIVE SECURITY BREACH of sensitive information that has effected 1/4 million accounts with the CFPB. This has happened nearly a month ago, and no one has attempted to reach out or say ANYTHING. All of the sensitive information has been requested to be destroyed, by an employee, which still offers no personal guarantee that everything has since been DESTROYED. Since then, the NEGAVTIVE ITEMS that I had has CONSTANTLY BEEN UPDATED DUE TO THE SECURITY BREACH. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is indeed a Violation of Title 15 USC 1681k. I demand these accounts be removed IMMEDIATELY. If not, I will File a Complaint with The, FTC, and the CONSUMER SENTINEL NETWORK, and I will also be filing a lawsuit. I can not have my rights violated anymore and I refuse to any longer.
Consumer complaint received 2024-01-09
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-09
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. (WA)

U.S. Code 1681b - Permissible purposes of consumer reports ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) - In accordance with the written instructions of the consumer to whom it relates. 

They dont have any written instructions from me. 
.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-15
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. (FL)

This is completely inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I've consistently maintained punctual payments for this account, preventing any instances of overdue status. The reports regarding late payment remarks on my accounts are puzzling to me. Referring to 15 USC 1666b - Billing Error should prompt correction.
Consumer complaint received 2024-01-09
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)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or amend the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-09
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)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MD)

Venmo has frozen my account. They insist that i send them bank statements including the bank linked to my account. I have done that and they continue to freeze the account asking for " A statement for the BANK that you were attempting to add on XX/XX/23. '' I frankly do not know what they are talking about but they claim for security. Since they didn't add this account and i have validated my identity and the correct funding account it is also irrelevant. Meantime, there is XXXX locked in the accoutn and it is literally IMPOSSIBLE to get a human on the phone to resolve this problem. Frankly, i would close the account and never do business with them again, but there are payments recipients that will only accept venmo. I am trying to get them to XXXX which at least has some customer service Anyway, it is fine that they want to validate my identity and my linked account - great - but now that's done and we are still going in circles related to a mysterious bank account which is not even linked to the venmo account anyway! there's no point other than to be difficult while they sit on the cash ( my mistake for not withdrawing every cent immediately which is my normal practice ).
Consumer complaint received 2024-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MD)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-01-09
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-01-09
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The 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 showing on 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
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

Being a victim of identity theft is a crisis trying to obtain your name back, I have sent in a report all to no prevail when it comes to XXXX  in whom needs to be sued for taking me through all this knowingly knowing what they doing is against consumer law. These accounts are not mines and therefore I'm demanding the immediate removal of the following accounts. 

XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX
Consumer complaint received 2024-01-09
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. (MD)

I AM WRITING THIS COMPLAINT REGARDING UNAUTHORIZED CREDIT INQUIRIES THAT HAVE ADVERSELY AFFECTED MY CREDIT REPORT. ENCLOSED WITH THIS LETTER IS A COPY OF MY DISPUTE AND FTC REPORT. THESE INQUIRIES ARE NOT AUTHORIZED AND INITIATED BY ME. THIS IS CLEARLY A VIOLATION OF MY RIGHT AS PER Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. THESE ARE THE INQUIRIES THAT I HAVE LOCATED, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. I WOULD LIKE THE CONSUMER FINANCIAL PROTECTION BUREU TO INVESTIGATE THESE UNAUTHORIZED INQUIRIES PROMPTLY.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have tried to finance several Things such as cars and loans and i keep gerring deined to the fraudulent activities on my credit report The Fpllowing Accounts are unlawful and have been reported without mt consent XXXX XXXX UTILITY COMPANY ACCT. NUMBER XXXX A CHARGE OFF XXXXXXXX XXXX  ACCT. XXXX XXXX A SECURED CREDIT CARD XXXXXXXX XXXX XXXX ACCT. NUMBER XXXX A CHARGE OFF AND MID-ATLANTIC FINANCE A CHARGE OFF I Am Requesting ALL OF THESE ITEMS BE EXCLUDED OFF OF MY CREDIT REPORT WITH MONETARY RELEIF FOR THE VIOLATION OF MY RIGHTS and the VIOLATION OF THE FOLLOWING USC CODES : 15 USC 1681 ( a ) ( 2 ) Exclusions 15 U.S Code 1692 ( I have the Right to Privacy ) 15 USC 1692 ( a ) ( c ) a debt collector must have my consent to report and according to FCRA and the FDCPA and for violation according to 15 USC 1681 ( i ) i am entilted to monetary compensarion
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I consistently make sure payments on this account are punctual, preventing any overdue occurrences. I'm uncertain about the causes for the noted late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2023-05-02
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: Experian Information Solutions Inc. (NY)

I am writing to request an investigation and removal of certain information from my credit report based on the following provisions of the Fair Credit Reporting Act ( FCRA ) and other relevant federal regulations : 15 USC 1681A ( d ) ( 2 ) ( A ) ( i ) : This provision excludes from credit reports any information solely related to transactions or experiences between ( I ) the consumer and the person making the report. 

15 USC 1801 : This provision establishes the policy of Congress that financial institutions ( person making the report ) have an affirmative and continuing obligation to respect the privacy of their customers and to protect the security and confidentiality of their nonpublic personal information.

15 USC 6801 : This provision reiterates the policy of Congress that financial institutions have an affirmative and continuing obligation to respect the privacy of their customers and to protect the security and confidentiality of their nonpublic personal information. 

15 USC 6802 : This provision prohibits financial institutions from disclosing nonpublic personal information to nonaffiliated third parties unless they provide or have provided a notice that complies with section 6803 of this title.

Based on these provisions, I believe that the following items on my credit report are in violation of the FCRA and should be removed : XXXX XXXX : All information including and/or related to late payments XXXX XXXX  : All information including and/or related to late payments XXXX  XXXX : All information including and/or related to late payments XXXX XXXX : All information including and/or related to late payments Inquiries : All I kindly request that you conduct a thorough investigation into these items and, if found to be in violation of the FCRA or other applicable regulations, remove them from my credit report. Please provide me with written confirmation of your investigation and any necessary updates or removals to my credit report. 

Thank you for your prompt attention to this matter. I understand that under the FCRA, credit reporting agencies must complete investigations within 30 days of receiving a dispute. I look forward to your timely response. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-17
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. (FL)

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 ( Account # XXXX ), XXXX XXXX  ( Account # XXXX ), XXXX ( Account # XXXX ), XXXX XXXX ( Account # XXXX ), XXXX ( Account # XXXX ), XXXX ( Account # XXXX ), XXXX ( Account # XXXX ) XXXX XXXX ( Account # XXXX ), XXXX  XXXX ( Account # XXXX ), and XXXX XXXX Account # 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.