davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-20
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. (PA)

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 2023-12-20
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. (PA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

I have been working on my Equifax credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. The INCORRECT Address that should be deleted is XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX and there is XXXX XXXX XXXX XXXX XXXX, IL XXXX. Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( EQUIFAX, Experian, and TransUnion ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my first 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 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 2024-04-12
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. (SC)

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. Please see attached file for these items I am complaining.
Consumer complaint received 2023-12-19
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)

I hope this letter finds you well. I am writing to address and rectify billing errors that I recently discovered upon reviewing my credit report, which appear to be in violation of the United States Code Law, specifically TILA 15 U.S. Code 1666 ( b ) regarding billing errors.

Upon a detailed examination, the billing errors fall under the following categories specified in 15 U.S. Code 1666 ( b ) : ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor, or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

I have noted discrepancies in the reporting of payments made and other accounting matters on my credit report, specifically related to the following accounts : DEPT OF ED/XXXX Account Number : XXXX Late Payment Dates : XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX Late Payment Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Late Payment Dates : XX/XX/XXXX, XX/XX/XXXX As per my understanding of the law, the creditor is required to provide a statement at least 21 days before any payment due date. Failure to do so would render any late payment charges invalid. I am requesting hard, verifiable evidence from your records that supports the assertion that I did not make timely payments, resulting in the reported late payment status. 

I urge you to promptly rectify these errors on my consumer report by updating the aforementioned accounts to " paid as agreed. '' If these corrections are not made immediately, I am prepared to exercise my rights under 15 USC 1681n civil liability. This may involve seeking monetary compensation through legal channels, including small claims court in my city and state. 

To ensure that this matter is properly addressed, I have already submitted a complaint through the Complaint portal of the Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. 

I anticipate your swift attention to this matter and a resolution that upholds the principles outlined in the applicable laws.
Consumer complaint received 2024-01-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (OH)

I have received 3 emails from CHIME regarding a credit/debit card that I never applied for. The last email says it is being mailed to an address that I no longer have. I called customer service and the first question they ask is my social security number, which I will not provide. But even without entering the number, the call then says, okay now enter your birthday. Seems suspicious to me. I do not feel comfortable entering that information with a company I know nothing about. I am afraid this card will be used fraudulently. Please investigate and advise. Thank you
Consumer complaint received 2024-04-17
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. (TX)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to insure that consumer reporting agencies exercise their own grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( XXXX ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXX ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( XXXX ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-01-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (MO)

I was made aware of 2 charges to my US Bank Credit Card shortly after they occurred on XX/XX/2023. They were for {$3200.00} and {$1800.00}. Both had the transaction description of XXXX XXXX XXXX XXXXXXXX XXXX MO. I did not make these transactions with my US Bank credit card or otherwise. I notified US Bank of my disputation of these charges right away, and on XX/XX/2023 they gave me provisional credit for the 2 disputed charges and sent me a letter saying, among other things, that if the review was found in our favor, the provisional credit would become permanent, if not, they would reverse the provisional credit. 
They also said that during the course of their investigation, they may reach out to us for more information, which they never did, and that after the investigation was complete, they would send us a letter informing us of the resolution of the dispute. We never received such a letter. When I received the credit card bill for the previously described activity, the bill indicated that they had reversed the provisional credit on XX/XX/2023. My husband and I immediately called the US Bank Fraud Dept. to complain. We were given various explanations, none of which made any sense to us. Also, we were advised to get a police report, which no one had mentioned to us before. We did get a police report, which we can get a copy of, if you need it. After that episode I called the US Bank Fraud Dept. practically every day and my husband followed up with the police officer in trying to get more information for the police report. After about a week or two, I was finally able to get the US Bank Fraud people to say they would open up a new dispute and I gave them the police report number. I have not heard anything from them since. To my knowledge, the US Bank Fraud Dept. has never even opened an investigation into this.
Consumer complaint received 2024-01-01
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: LEXISNEXIS (IL)

On XX/XX/2023, file a dispute with LexisNexis regarding a XXXX  XXXX bankruptcy that was sent to XXXX, XXXX and XXXX I was informed by LexisNexis that the bankruptcy was validated from the bankruptcy court & Clerk .I went in person to the bankruptcy court and spoke to the clerk in case # XXXX XXXX XXXX on XXXX XXXX I was informed by the clerk Please see Letter stating that the bankruptcy dose not report or verify the accuracy of the court records LexisNexis is in violation of the Fair Credit Reporting Act 15 U.S.C. 1681 ( 4 ) the right to Privacy The FCRA state in 15 U.S.C.1601 states there is a needs to insure that the consumer reporting agencies exercise their grave responsibility and respect for the consumer 's right to privacy!!! LexisNexis is a corporation that does not follow the law. also, LexisNexis along with XXXX are in violation. of 15 U.S.C 1681 B- ( 2 ) in accordance with the written instructions of the consumer to whom it relates meaning me ( XXXX XXXX XXXX also 15 U.S.C 1681 N & 15 U.S.C.1681 O. I have sent over XXXX disputes to LexisNexis and refuse to follow that FCRA. 
dispute letters dated XXXX XXXX & XXXX XXXX Lexis Nexis XXXX XXXX, XXXX XXXX & XXXX XXXX also the bankruptcy letter dated XXXX XXXX
Consumer complaint received 2024-01-01
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: LEXISNEXIS (MO)

XX/XX/2023, letter was sent to XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX a letter to the courthouse asking do they report bankruptcies to the credit bureaus. On XX/XX/2023 I contacted the XXXX XXXX XXXX house to see if letter was received. ( XXXX ) XXXX. I ask the clerk do they report bankruptcies to the credit bureaus? They stated they do not report any bankruptcies to anybody. So, how did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) states ; The terms " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with other with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer report agency when such information was obtained directly from a creditor of the consumer or from the consumer. My rights violated numerous time. The credit bureaus violated my given right under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States have the right to privacy. According to 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. According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (PA)

I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA 605B. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for me
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information 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 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 2024-04-17
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. (FL)

After multiple attempts to contact Equifax, they refuse to validate any of my accounts on my credit report, I have tried to call multiple times top validate them but they refuse to assist. Needless to say I have been denied for multiple accounts because it states I have no credit when I have multiple accounts reporting.
Consumer complaint received 2023-12-14
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 got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

Hello I am XXXX XXXX i am reaching out to delete the following information on my credit profile. The items listed in the report are not mine and need to be removed immediately, i am a victim of identity theft. I reported the theft of my identity to the FTC and also have enclosed copies of the Federal Trade Commission identity affidavit. Please delete these items as soon as possible to correct my credit file. Thank you for your time.
Consumer complaint received 2024-04-17
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. (NC)

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, Transunion, XXXX, and XXXX.
Consumer complaint received 2023-04-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (TX)

Today I spoke with the COMPANY CREDENCE RESOURCE MANAGEMENT REPRESENTATIVE XXXX XXXX they informed me that I had an XXXX XXXX in the amount of {$190.00}. and it has been placed on my consumer report dated XX/XX/2023 this company has stolen my identification, they have placed the fraudelent account on my consumer report without notifying me by phone or written communication per 15 usc 1692 c ( b ) they are supposed to have communicated with me before placing anything in collections on my consumer report. They also informed me that they are debt collector agency which is also a violation of 15 usc 1692. They have not only violated consumer law they also have committed identity theft as well.