davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-31
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. (NJ)

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 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 2023-02-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (AZ)

National Credit Systems is attempting to recover a debt of nearly {$6000.00} from me that was a result of identity theft. Someone had leased an apartment in my name in XXXX, GA and apparently walked away, resulting in an unpaid debt leading to collections. Secondly, the same individual took out an XXXX credit card in my name and purchased upwards of {$5000.00} in furniture, all in person, all within the State of Georgia. Keep in mind, I have never been to Georgia, and live/have lived in Arizona my entire life. I have filed a formal dispute with XXXX XXXX XXXX along with XXXX, XXXX and XXXX. Also, I have a police report filed with XXXX Police along with having reports with the IRS and FTC. Since these actions were taken in XXXX, XXXX and XXXX have since removed this " collections '' notice from my report as well as XXXX has approved my dispute of the credit card and has removed that from my information, as well. However, XXXX, denied my dispute and still reports this on my credit, on top of NCS still attempting to recover.
Consumer complaint received 2023-05-03
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: Experian Information Solutions Inc. (GA)

This is the several times I've complained about being a victim of identity theft. You must remove the items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer : Please remove these inaccurate items below : XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX : {$8900.00} ; XXXX XXXX XXXX XXXX : {$5600.00} ; XXXX XXXX XXXX Balance : {$6200.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$20000.00} ; XXXX XXXX XXXX Balance : {$6600.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-10-31
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. (GA)

This is a follow up to my previous CFPB Complaint I submitted on XX/XX/XXXX. On my CFPB Complaints, I requested that the Credit Bureaus remove the fraudulent accounts and information that are reporting on my Credit File. Under the Fair Credit reporting Act section 605b, the Credit Reporting Agencies are required to remove the disputed accounts and information completely from my Credit file. Although that some of the disputed items were removed, there are still accounts that remained and should also be removed from my Credit File. The Credit Bureaus are expected to comply with the Federal law and have the disputed accounts removed. Once again, I was a victim of identity theft and the disputed accounts and information were the results of such crimes, therefore the Credit Bureaus must remove the fraudulent accounts and information as soon as possible. Here is the list of fraudulent items that should be removed as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is a follow up to my previous CFPB Complaint I submitted on XX/XX/XXXX. On my CFPB Complaints, I requested that the Credit Bureaus remove the fraudulent accounts and information that are reporting on my Credit File. Under the Fair Credit reporting Act section 605b, the XXXX XXXX XXXX are required to remove the disputed accounts and information completely from my Credit file. Although that some of the disputed items were removed, there are still accounts that remained and should also be removed from my Credit File. The Credit Bureaus are expected to comply with the Federal law and have the disputed accounts removed. Once again, I was a victim of identity theft and the disputed accounts and information were the results of such crimes, therefore the Credit Bureaus must remove the fraudulent accounts and information as soon as possible. Here is the list of fraudulent items that should be removed as soon as possible : CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-31
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 sent a letter on XX/XX/XXXX, to removeitems that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX ; DEPT OF ED XX/XX/XXXX
Consumer complaint received 2023-03-03
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER HOLDINGS USA, INC. (RI)

On XX/XX/2023, at about XXXX, my partner had her wallet stolen out of her car in XXXX XXXX XXXX RI, containing her driver 's license and Santander debit card. We are co-owners of a checking and savings account at Santander. At around XXXX, she canceled the Santander debit card. At around XXXX, she filed a police report with the XXXX XXXX police dept. 

On XX/XX/XXXX, 2 fraudulent checks totaling {$5000.00} were cashed at a local branch of the bank without our knowledge, using the stolen driver 's license and canceled debit card. The checks bounced on XX/XX/XXXX, and our savings account was debited {$5000.00} ( roughly the total balance ) On XX/XX/XXXX, I discovered the fraud and contacted Santander at XXXX XXXX. They opened a fraud claim and stated they would close the savings account once it was resolved. 

On XX/XX/XXXX, my partner called Santander to learn more about the incident and was told they could not provide any other information. 

On XX/XX/XXXX, my partner was contacted by the case investigator at Santander, and was told that he had reviewed surveillance video from the branch that cashed the check, and that the video was not of her. He assured her that our money would be refunded. 

On XX/XX/XXXX, my partner emailed the investigator to learn what personal information the perpetrator had that allowed them to access our savings, beyond a driver 's license. No response. 

Sometime between XX/XX/XXXX and XXXX, my partner called again to learn more about the status of the case and ( again ) what personal information was used to cash the checks. She was told Santander couldn't give any more information. 

On XX/XX/XXXX, we received a notice by mail that the investigation was completed, and Santander had decided that " the video confirms that you were present in the branch '' and that they are not at fault ( obviously this is incorrect ) On XX/XX/XXXX, I called Santander 's Fraud department and was told that it should not have been possible for somebody to cash a check using only a stolen drivers license, and that since the debit card was already canceled, it should not have possible for the fraud to have occurred in the first place. " That was somebody falling down on the job. '' When requested basic details about the incidence ( time, branch location, what personal identification was used to cash the checks ), they refused, and said they could not provide us the video evidence they used to make the determination. They provided no other information about the case, and it has remained closed. 

Santander to date has not refunded the stolen {$5000.00} to our savings account.
Consumer complaint received 2023-03-03
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (PA)

PNC Bank has refused to acknowledge a recorded call that my late mother XXXX XXXX had stated on XX/XX/XXXX that none of other children are to have access to her Bank Accounts. However on XX/XX/XXXX they allowed my sister XXXX XXXX to withdraw all of her money out of her accounts despite the court ruling removing her as the Power of Attorney. And since then PNC has been vindictive against me and most recently refusing to close one of my Savings Accounts with only XXXX XXXX
Consumer complaint received 2023-03-03
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-03-08
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. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-03-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A. (FL)

Good afternoon, my situation is as followed : I paid on my vehicle loan for 7 years via autopay through PNC Bank. Apparently, the very last vehicle payment is supposed to be paid via check or other source, but is not paid via autopay. I was unaware of this, as all of my other payments were under autopay for 7 years. Sometime XX/XX/XXXX I saw my vehicle loan payment had not been taken out of my bank in XXXX, so I assumed that meant the loan was fully paid off. Well, this was not the case. I received an email from PNC Bank XX/XX/XXXX stating my account was past due. I immediately called PNC Bank and spoke with a male associate who stated he would put in a request to have the late fee removed, but stated I had to wait a few days to pay my last payment. I called PNC a few days later and spoke with a female associate who stated the late payment should be removed and that this thing happened all the time at the end of a loan, due to the last payment not being autopay. The PNC associate stated I should have received a bill in the mail for this last payment. In all honesty, if I did receive a bill from PNC I would have thrown the piece of mail away without opening it, as I would have just assumed it was my monthly statement- NOT a bill. For the past 7 years I have received a statement every month from PNC Bank regarding my payment being autopaid so I stopped opening these since they were always the same. Anyway, once I became aware that I still owed 1 payment, I paid it. I paid my last vehicle payment XX/XX/XXXX and then I received a notification from credit reporting that I had a late payment tagged to my credit report. My credit report was greatly impacted by this late payment. I would like to have my case reviewed as I never once submitted a late payment in 7 years of paying on this loan and then this happens the very last payment. This was all a big misunderstanding and now my credit score has been greatly affected over all of this. I had excellent credit until this negative hit from a late payment that I had no idea about.
Consumer complaint received 2019-05-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc. (MD)

Creditors Just put something on my credit report that was never there before! I just searched my credit report today XX/XX/2019 And saw this company " EOS CCA '' XXXX. XXXX XXXX XXXX, Massachusetts XXXX This debt is for {$240.00} Dollars! I know nothing about this account! My Identity was stolen and yes I did a police report about this matter. Can someone please look into this matter? Am tired of being harassed by this debt collector! This is showing on my XXXX  report.
Consumer complaint received 2023-03-02
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. (MI)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (WI)

My checking accounts with US Bank were placed on a hold. Called customer service and they said the hold was placed by the branch. Called the branch, they said the hold was lifted and that mobile banking access would be reinstated. 

Had to call customer service, waited 45 minutes for mobile banking to be reinstated, once I had access I realized I can not use XXXX, card or deposit. Had to call c.s again and they said theres still two hold, waited on the phone 45 minutes again to be told the branch is working on it Called the branch and they said theres only two of us here so you have to wait.
Consumer complaint received 2022-10-31
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)

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX ( Date Opened : XX/XX/XXXX, Balance : {$15000.00} ), XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$16000.00} ), XXXX XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$31000.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-30
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. (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. 

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 XXXXXXXX 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 2023-05-18
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. (CA)

a few months back I was aware that i was a victim of identity theft. My identity was stolen and fraudulent accounts were opened without my knowledge or consent. i tried reaching out to the credit bureaus but to no prevail they have not been helpful at all and are extremely hard to talk on the phone.
Consumer complaint received 2022-10-19
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. (FL)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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.