davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$12000.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$11000.00}, XXXX XXXX XXXX XXXX Balance : {$11000.00}
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: W&A Intermediate Co., LLC (DC)

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.

Wakefield & Associates : # my social security, has violated my rights.

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 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized.This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX, I made an online ACH payment through the Chase Bank website for {$500.00} on my XXXX credit card. According to Chase, 2 minutes after my {$500.00} payment, they claim that I requested for my account to be enrolled in auto pay of my entire balance each month. I did not authorize this and I had no idea that they did this. On XX/XX/XXXX, Chase made an unauthorized ACH withdrawal of {$3700.00} from my XXXX checking account. I contacted Chase and told them that this was fraudulent and they not only denied me but they hung up the phone on me. They did send me a new credit card as if they thought it was compromised. Then, I called XXXX who told me that they had to investigate the complaint. At this time, I was traveling on XXXX military duty and my Wife and Kids were traveling in XXXX Florida. We were all left without access to our own money because of the issue and it has cost us money ever since. Since this has happened, I have made complaints with the Florida Attorney General and the XXXX XXXX County Sheriff. Please help.My leaning lesson is that ACH withdrawals are not protected the same way that credit card and debit card withdrawals are covered by federal law.
Consumer complaint received 2023-08-16
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. (NJ)

My rights as a consumer are being violated since the information in this credit report is not accurate. The credit report should be verified, complete, and true in order to meet the FCRA and Metro 2 data field formatting standards.

This is MY 4th REQUEST for a deletion of all personal identifiable information from my consumer credit report with the EXCEPTION of :
Consumer complaint received 2018-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (KY)

Contacted company but no answers. This same creditor pulled credit check on two dates. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Dates :XX/XX/XXXXXX/XX/XXXX I do not recognize this company and have no knowledge of giving  permission to pull my credit.
Consumer complaint received 2018-03-06
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Byrider Franchising, LLC (OH)

i have not talk to XXXX/jd byrider in 7 to 8 years and they are lie to XXXX credit report saying i made a payment in XX/XX//2016 when i never pay them anything trying to stay on my credit longer and its wrong and bulling me to not be able to have a life
Consumer complaint received 2023-06-21
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus dated XXXX but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 


Please correct these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-31
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. (LA)

See Attached Dispute Docs detailing blatant consumer rights violations, The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not, and did not verify any of the disputed accounts as you stated in writing that you did. Your failure to delete the disputed accounts that you can not verify after XXXX written requests is also evidence of your willful disregard of Federal Law. I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the XXXX XXXX Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. Ive studied constitutional consumer protection laws extensively along with cIvil/federal court procedures such that of Dixon-Rollins v. XXXX XXXX XXXX
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent. I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that those charges be removed. 

I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file.

I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.
Consumer complaint received 2020-06-09
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: EQUIFAX, INC. (MD)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-31
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

I am writing to submit a formal complaint regarding inaccurate information on my credit report, which I reported to XXXX on XX/XX/XXXX. Unfortunately, XXXX has not responded to my inquiry, and the following discrepancies remain unresolved. I am seeking your assistance in rectifying these issues and ensuring compliance with federal law. 

The inaccurate information on my credit report is as follows : The information indicating a late payment for the accounts XXXX XXXXXXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$280.00} ), XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$510.00} ), XXXX XXXX XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$4000.00} ) is incorrect. I request XXXX to remove the late payments associated with these accounts. 

The above accounts XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$360.00} ), COLLECTION ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$270.00}, Original Creditor : COLLECTION ), COLLECTION ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} ) do not belong to me, and I request XXXX to remove them from my credit report.
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX XXXX  approved my deferment and I paid as agree an the applied it to my principle balance and never updated my credit to paid or honored my deferment. They violated my credit rights. I attached the proof. I want account XXXX from my credit report. I was never late. 

2- CollectioXXXX account. {$21000.00} past due as of XXXX XXXX added a collection to my credit. I never was contacted by these people. I have no other loans out their. This is ruining me to get my graduate loan. I would like this collection removed from my credit immediately. Its is against my fair credit law. I do not have any documents pertaining to this account XXXX remove an address from my account XXXX XXXX  XXXX XXXX XXXX, NJ XXXX. I lived in Florida for the past 4 years. I am XXXX XXXX XXXX XXXX This is bringing stress on me. I dont want to loose what I worked so hard for. XXXX is the only bureau reporting this address. lease I beg remove it. I dont wany someone to be using my credit.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ENCORE CAPITAL GROUP INC. (PA)

In accordance with the Fair Credit Reporting act 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 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
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act. If you can not verify and provide me with the data proving these accounts were mine. Remove them immediately.
Consumer complaint received 2023-05-31
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-03-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SUNTRUST BANKS, INC. (FL)

My checking and saving acct. Was frozen some time back .XX/XX/XXXX. I was dealing with i XXXX mother, then i later found out i have a terminal deasese so i was to busy to worry about the bank. When anything sttledown XX/XX/XXXX i call sun trust back the bank manger told me my acct was frozen, noone could do anything with the acct. Untill the issue was resolved. Had more bad new gave up try to get my money. XX/XX/XXXX looked into the matter again and was told the acct were closed. I didnt close the acct.s told the bank manger just he was rude and nasty syi g this has been some time why are u just now coming to dind your money. .. go very anger left the bank. Was told later by another bank that i should have reacied the money that was in the acct when they was closed. I had XXXX in checking. XXXX in saving. I have tried fpr many years to get answer, but feel bc i was smart enough to know what was going on someone took advage of me and kept my money. I would llike to know where my money went and who closed out the accts. Bc it wasnt me. Im been sick for 3 years can hardly get out my bed. But still want answer.the last chevk i wtote was to XXXX XXXX for XXXX chevk numbet XXXX. When i check to see if the check had clear i was in the negtive, when i called i was told the accts. Were frozen and so on. Noone has showed me prove of anything .just talking
Consumer complaint received 2018-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: AES/PHEAA (IA)

I applied for a IDR with XXXX XXXX over 3 months ago and on XX/XX/XXXX XXXX XXXX sent me a message saying that my score dropped 98 points due to late payments with them. I immediately contacted XXXX and they said that I didn't answer question 12 correct. I said that I had taxable income and I don't because I have not worked for 2 years. I thought child support counted as taxable income, but they never notified me that it was wrong. I am now in a 30 day forberence and I have refilled out the paperwork and sent it out yesterday. I am trying to move and need a XXXX credit score to do this. Help me please! XXXX had me on paperless billing and I only asked for actual paperwork in the mail. I am a visual person and I need to read things. I never received anything about this incorrect paperwork.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX XXXX Account XXXX, XXXX XXXX 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
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.
Consumer complaint received 2023-05-31
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. (PA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


has violated my rights. 




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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-31
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

The credit bureau keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681 i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681 b ( 1 ) the credit bureaus don't have no written permission.

According to 15 USC 1681 I have the right to privacy.

According to 15 USC 1681 s-2 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.

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this.