davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (OH)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (PA)

There are XXXX addresses on my XXXX XXXX credit report that are not mine, and never were. There is XXXX XXXX negative reporting, that should be off, It's over 14 years. There is also things that were applied for and are not mine. My social security card was stolen.
Consumer complaint received 2023-08-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: DISCOVER BANK (MI)

I received a letter from Discover Financial dates XX/XX/XXXX that stated they received an application to open a Bank Account but were unable to verify the information and rejected the application. I NEVER APPLIED FOR A DISCOVER BANK ACCOUNT. IT WAS AN ATTEMPT TO USE MY IDENITY BY SOMEONE ELSE. I called Discover and they did nothing to help me identify the source of the application. I asked for a copy of the application in order to see if there was a piece of information on it that would help identify the person who submitted it. They claimed they did not have the application and referred me to XXXX to put a stop on requests for my credit information. This is the second time someone has attempted to use my identity with a financial institution. You are the agency designed to protect consumers from financial fraud. I want Discover to provide a copy of the application that was rejected so I can see if anything on the application can identify who submitted the application. DON'T GIVE ME A BUNCH OF DOUBLE TALK. Help me to get to the bottom of who has attempted to steal my identity. XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I 've had a XXXX account with Bank of America ( formerly MBNA ) since XX/XX/XXXX. On XX/XX/XXXX at XXXX I received an e-mail from Bank of America ( BAC ) informing me that my Virtual Card was deleted for XXXX. When I called BAC to inquire, they told me that the XXXX account was closed and that I was mailed a letter informing me that it would be closed on XX/XX/XXXX for inactivity if I did not make a transaction. When I questioned how this could happen without informing me first, they told me that either a letter was mailed or an email was sent. I told them I received neither. They offered to open a case # for someone at BAC to research the issue and I agreed. On XX/XX/XXXX, they called to let me know that the case investigation was completed. In speaking with the assigned person at BAC, he confirmed that BAC had no record of a letter nor did they have a record of an email being sent to me to notify me of the impending account closing. If I had received such notification, I would have made a transaction which would have maintained the account in Open status. He placed notes in the file confirming this and then transferred me to the Credit Dept. where I was informed that they could not re-open the account and that I would need to re-apply if I wanted the card again. They said this was non-negotiable. I feel this is unfair treatment of a consumer and that they should take responsibility for their inaction by not mailing or emailing the notice to me to give me the opportunity to maintain the account.
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

In accordance with the FCRA Section 15 USC 1692 ( c ) ( c ) : states that a debt collector may not communicate with a consumer in connection with the collection of any debt without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction1. The FDCPA was enacted to address the use of abusive, deceptive, and unfair debt collection practices by many debt collectors2. 

1. XXXX XXXX XXXX : XXXX : {$4100.00} does not owe this debt and company needs to cease communication with me and delete from my credit profile 2. XXXX XXXX, XXXX : XXXX : {$73.00} does not owe this debt : company needs to cease communication with me and delete account from my consumer report 3. XXXX XXXX XXXX : XXXX : {$4100.00} does not owe this debt and company need to cease and decease communication with me and delete account from my consumer report 4. XXXX XXXX XXXX XXXX XXXXXXXX : Account is not reporting the right info and it violates my consumer rights pursuant 15 USC 1681. Info needs to be accurate, complete and relevant to be reported to a third party and the consumer reporting agency and the company did not receive authorization from me to report my experiences. Under 15 USC 1681 b ( 2a ) ( permissible purpose ) 15 USC 1028a ( criminal ) 15 USC 1681n ( civil liability ). this is grave identity theft and item needs to be revoved from my consumer report,
Consumer complaint received 2023-08-22
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)

XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX 15 USC $ 1681c-2 a consumer reporting agency shall block the reportingof any information in the file of a consumer that the consumer identifies as informnation that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in direct VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 USC 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL SUBJECT to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordancewith the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts/items listed IMMEDIATELY!
Consumer complaint received 2017-09-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pinnacle Credit Services, LLC (TX)

I found out about this debt, by seeing it on my credit report. It is listed as a collection from pinnacle credit services LLC, in the amount of XXXX. I called them to get an explanation, and they refused to communicate with me unless I gave them my ss #, in which I refused. I sent them two letters via certified mail, requesting proof of the debt, and their response was this is from original creditor, XXXX XXXX in the amount of {$1600.00}, with no explanation of charges, phone numbers etc. I called XXXX XXXX, and they have no such records of an account existing in my name. I then called XXXX back, and again they would not communicate with me unless I gave them my SS #. Again I would not do so, and if this were a valid debt, I feel they would have this information, and could could verify, asking me if my last XXXX digits were # # # #. They have not sent me anything explaining the charges, or any other valid information, with the exception of my name, the amount owed, and who the original creditor is.
Consumer complaint received 2022-11-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION (FL)

I RECIEVE ASSISTED WITH HAF PROGRAM THEY SAY THE WILL PAY FOR 6 MONTHS BUT THE XXXX PAYMENT HAVENT SHOWED UP AND ITS PAST DUE SO NO PAYMENT HAVENT BEEN MADE AND I DONT WANT LOSE MY HOUSE CAN YOU HELP
Consumer complaint received 2017-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Diversified Consultants, Inc. (TX)

Earlier this summer of 2017, XXXX ( an agent located in call center Colorado ) and I agreed on a final balance due XXXX of {$46.00} after a discontinuance of the internet service ; however, XXXX continually sent me an incorrect balance, a larger-billed amount of {$56.00}. XXXX then decided to send my closed account to a collection agency named Diversified Consultants , Inc., who now reported the wrong amount and info on my credit files with all three major reporting agencies that negatively affecting my FICO scores unfairly. 
I have requested that XXXX & Diversified Consultants do promptly research and correct the balance as previously agreed, as I 'm more than ready to make a payment to XXXX or Diversified Consultants for {$46.00} as previously agreed. Subsequently, I request for written assurance that collection remarks which wrongly affect my credit score with all reporting agencies to be promptly removed. 

Thank you for cooperation from all involved parties
Consumer complaint received 2023-07-27
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Possible Financial Inc (TX)

This loan was taken in 2011 and paid at the same time. This company reports every month that it's late for the past XXXX  years!! I've disputed with them and credit bureaus to no avail. This can not be legal.
Consumer complaint received 2023-08-24
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. (NJ)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

There are multiple inaccuracies in all of these reports from XXXX, Equifax, and XXXX such as dates for payments such as XXXX XXXX XXXX  XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, balances. XXXX XXXX dates account opened on, and inaccurate reporting dates XXXX, XXXX, XXXX, the date opened in different transunion. XXXX XXXX reported inaccurate open date in transunion, XXXX XXXX XXXX inaccurate dates for late payments in XXXX, transunion, and Equifax. XXXX XXXX XXXX ( different account ) XX/XX/XXXX has inaccurate dates for when account was opened. XXXX XXXX has inaccurate late payments dates and open dates.
Consumer complaint received 2023-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/23 I noticed that my chase sapphire reserve card ending in XXXX was closed. I reported to my credit bureau that the account was in fact open and that I applied and approved the application for the card. Further on XX/XX/23 chase closed my account for fraudulent activity per one representative. I had neither called in nor did I report the account as fraud. The account was used on a trip and the account was used to purchase a treadmill in which I approved all transactions. I called the sapphire team to alert that my account was closed and was told then by a representative that the account was report stolen. But I never reported the account as stolen as I explained the card was in my possession. Again I stated that yes I applied for the card. I was then asked to t send in documentation proving my identity in which I provided a SSC copy front and back, a DL front and back, and a billing statement with my name current address as proof I was who I said I was. 2 weeks later I phoned again and was told on XX/XX/23 that my card was with the recovery team. On XX/XX/23 I called again and was rudely told by a customer service representative that my account was closed and would not be reopened the deemed it as fraud and could not prove my identity with the documentation I provided. When asked for an explanation I was told that they do not have to tell me anything. I have an extended fraud alert on my credit so I in fact was at least due a call by the team to inform me of something but they did not. I had been waiting on this card a long time and was really excited. The way the situation was handled was very unprofessional and rude. When asked for documentation I provided it and anything else asked to recover my account yet the person over the account did not reach out to confirm or explain anything to me.even though I stated several times this was a legitimate application and I applied for it.. I also added my fianc as a authorized user and neither of us reported the card. The only thing that varies was the address as i just purchased a new home.The card was deemed closed on my credit report before the bank said fraudulent activity. And then they removed the remark. I would like someone to further investigate this matter.
Consumer complaint received 2023-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2017-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: The Bureaus, Inc. (GA)

Today, XX/XX/XXXX I received an email from XXXX XXXX that a collection account had been placed on my XXXX Credit file. The company name is The Bureaus. I disputed this account because I did n't have a contract with this company and I never did business with them. The collection account was removed from my file and now XXXX has allowed them to place this account back onto my file without by law notifying me within 5 days. This account needs to be removed and this company needs to be sanction for improperly places accounts onto consumers files. Please investigate XXXX and make them aware of these are unlawful practices.
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MI)

Upon viewing my most recent consumer report, I saw XXXX that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These XXXX claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!
Consumer complaint received 2023-08-22
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. (FL)

Upon reviewing my consumer report I noticed incorrect personal information and unauthorized inquiries. the incorrect information and unauthorized inquiries will be listed below. I also attached my FTC report along with my identification. 
incorrect personal information Name XXXX XXXX correct name XXXX XXXX XXXX XXXX addresses XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FLXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX
Consumer complaint received 2024-04-03
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)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX # XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 Equifax XXXX XXXX XX/XX/2022 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I recently tried to order credit reports for my wife and I and the bureaus are giving us the run around. The reason being is the credit bureaus are playing fast and loose with our consume scores. We recently paid of all of our revolving debt. Based on risk management software I understand and predict a scoring model because I understand large language models. Our score a much higher that indicated by XXXX XXXX, Equifax and XXXX.
Consumer complaint received 2023-08-22
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)

In accordance with the fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX : ACCOUNT # XXXX, has violated my rights. 

I Have requested and investigation from the reporting bureaus to ensure all information reporting to my report is lawful and accurate. They have failed to do this. These inaccuracies are hindering me from moving forward in both my business and personal life. I am unable to move forward with financing for my 3 year established business, I am unable to qualify to buy a home for my family, and cant even get a new car.

15 USC 1681 section 623 ( a ) prohibits a person from furnishing inaccurate information to the CRA.

15 USC 1681 section 602A states I have a right to privacy.

15 USC 1681 section 604 A : also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions, of crimes which antedates the report by more than 7 years.

15 USC 1681 s-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 2023-08-22
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. (NV)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.