davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-10
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. (MD)

XX/XX/2024, I contacted Equifax to dispute the errors I recently found on my credit report on my mortgage company XXXX XXXX XXXX XXXX and they did investigate my dispute but did not update and delete the inaccurate information. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 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.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

15 U.S. Code 1681e - Compliance procedures ( 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. 

Multiple Federal Laws are being broken by the credit bureaus and XXXX/ XXXX XXXX
Consumer complaint received 2021-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I submitted an ftc report about inquiries i did not authorize. ftc report attached. 
Also my name is misspelled and there are addresses listed that are not connected to me.
Consumer complaint received 2021-05-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''
Consumer complaint received 2021-05-17
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: EQUIFAX, INC. (GA)

I submitted an ftc report about inquiries i did not authorize. ftc report attached. 
Also my name is misspelled and there are addresses listed that are not connected to me.
Consumer complaint received 2021-05-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2017-08-25
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. (AL)

I have become aware I am a victim of identity theft in the last few months. I 've notified creditors in writing, I 've asked Equifax on more than one occasion to send related documents to creditors supporting my claim and it 's getting quite ridiculous. At this point the creditors should automatically delete accounts related to identity theft or if the creditors are being uncooperative Equifax should block/delete the accounts on behalf of the consumers claim according to the laws laid out in the Fair Credit Reporting Act. There is still inaccurate false items being reported to the Equifax Credit bureau. I have exhausted myself to try to have the inaccurate, incorrect information removed from my credit file, however Equifax keeps sending me letters saying the information has been verified as belonging to me. Enclosed in this complaint will be screenshots of correspondence with Equifax. OnXX/XX/XXXX I receive a notice from Equifax saying that the address XXXX XXXX XXXX in XXXX, Georgia XXXX has been deleted from my report. And then betweenXX/XX/XXXX and XX/XX/XXXX I received a notice from the credit bureau that there has been a change to my credit report and the address XXXX XXXX XXXX in XXXX, Georgia XXXX was supposedly reported by " one of my creditors '' as a recent address. At the same time XXXX XXXX was apparently deleted but still showing up. Now mind you, I have never lived/resided/got mail at XXXX XXXX XXXX in XXXX, Georgia. 
It does n't take a rocket scientist to figure out what is going on. The creditors in dispute are trying to verify the accounts as belonging to me by having identifying information such as an address that I have never lived at. This then gets the wrong address reported to my credit file so the creditors may verify the address as belonging to me so they do n't have to delete the inaccurate account information appearing in my credit file. This should be crystal clear to Equifax and they should delete the inaccurate credit accounts on my file that I have disputed more than once. The inaccurate credit accounts are XXXX XX/XX/XXXX, XXXX XXXX XXXX and XXXX XXXX XX/XX/XXXX XXXX. Please remove these accounts at the soonest time possible.
Consumer complaint received 2022-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (VA)

I opened a checking account with Chase in XXXX, primarily so I could have a local branch for cash deposits and withdrawals. I transferred {$10000.00} into the account, with the intention to withdraw most of the money quickly to pay a contractor. 

However, I was never able to withdraw that money. The bank held the money in the account, but I could not withdraw it or transfer it because I had not yet received a debit card. I spent more than 5 hours, including multiple customer service calls and two branch visits, to try to find a solution to this problem, but I was unable to resolve it. This caused a hardship because I was unable to withdraw that money elsewhere to pay the contractor. 

A few weeks after having that resolved, I discovered that my Chase checking account had been closed without warning. I still have received no notice from the bank, nor have I received the funds that were in the account. Further, when I call Chase, the only department that can answer my questions has a 2+ hour wait time, which I can't afford. 

This has been a miserable experience and has been really difficult to navigate the holidays with $ XXXX tied up and inaccessible.
Consumer complaint received 2019-07-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A. (NY)

FRAUD SCAM BY PNC CUSTOMER. Inadequate action by PNC. I have been defrauded of {$62000.00} by PNC customer. PNC has not responded to Recall of funds by XXXX XX/XX/XXXX, XXXX fraudster had an account at PNC and, it appears, had not been verified before opening the account. XXXX recalled the money on XX/XX/2019. Facts : On XX/XX/2019, after a fraudulent scam email request from someone impersonating my brother, I transferred {$62000.00} to pay a bill for my brother who sent me PNC bank account details for deposit. On XX/XX/XXXX I realized that it was a scam. XXXX issued a Recall of the money to PNC, XXXX XXXX XXXX XXXX. I reported the scam to the police XXXX XXXX. Police told me PNC may have been aware that the account was being used for fraudulent purposes.The bank draft for {$62000.00}, was sent on XX/XX/XXXX to : XXXX XXXX, Account No : XXXX, XXXX : XXXX, PNC Bank. My questions : Was the money in the scammers account when PNC received the Recall instruction from XXXX on XX/XX/XXXX? Did PNC have suspicions that the account was being used for fraudulent purposes? Did PNC verify identity of account holder? If suspicions about use of account, were appropriate safeguards taken? PNC has not acted to protect consumers and has allowed itself to be used for fraudulent purposes through negligence and lack of adherence to protective protocols in the banking industry.
Consumer complaint received 2021-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX credit card account : XXXX or my last 4 ssn # XXXX was originally opened by me solely. In XX/XX/2015, when my home was burglarized, a charged alert email/text informed me that someone was using my XXXX Card at the next city over in XXXX ( I was living in XXXX XXXX and a copy of the XXXX XXXX Policy report attached for this identity theft ). It was then that I realized that my cards including my passport and social security card ( that were in a portable safe ) were stolen. 

I called XXXX card within hours of my home burglary and informed that my identity will be compromised due to the items that were stolen on the SAME day of the incident. 

My credit have been compromised and credit reporting from XXXX XXXX does NOT reflect that the charges and balances were from someone else using my identity because they stole all my valuables in my home. 

Please removed the negative credit reporting from XXXX XXXX from my credit reporting to reflect that my identity was stolen from the police report and FTC report. 

Thank you and I appreciate your help with this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MN)

Attached to this complaint is a letter I received via U.S. mail from XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2023 informing me that XXXX XXXX XXXX had a security data breach and my personal information such as my full name, date of birth and social security number was compromised, stolen and used by unauthorized third party company of XXXX XXXX XXXX. The following accounts currently listed on my Experian credit report are the result of the security data breach and identity theft : XXXX XXXX : XXXX, {$2200.00}, and XXXX XXXX : XXXX, {$2200.00}.
Consumer complaint received 2015-04-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

ONGOING ISSUE! My original loan was through Countrywide. From my understanding Countrywide never gave up the note on my home to the trust ... .not because the home is worth considerably less. Therefore you do n't have securities backed by this mortgage. If Countrywide never gave up my note then they have no standing in this foreclosure.
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AZ)

I have requested in writing multiple times that the XXXX XXXX Bankruptcy on my credit report with all 3 reporting agencies be verified and that they provide the procedures in which they verify that this information is accurate. 

This is the information I have requested : XXXX XXXX BANKRUPTCY, Docket # XXXX Please respond to me in writing and include the method of verification under FCRA 611 ( a ) ( 7 ). This should include the following : 1. The name of the courthouse with which you verified the information 2.The name of the person at the courthouse who handled your request 3.The address of the courthouse 4.Which document you obtained to verify the bankruptcy The generic responses I receive are that they were verified ignoring my requests for the procedures that violate my rights under FCRA 611 aforementioned. 

I've also verified with the XXXX County courts that they have no role in the credit reporting process in which they made the following statement : The Bankruptcy Court has no interaction with credit bureaus, including XXXX, XXXX, and Experian. The Bankruptcy Court does not report information regarding bankruptcy cases to credit bureaus and does not verify the accuracy of information regarding bankruptcy cases held by credit bureaus. 

I previously wrote all three credit reporting agencies to investigate and verify the bankruptcy listed on my credit report and I received a response that the bankruptcy was verified with the bankruptcy court. 

I contacted the courthouse to verify their information release policy. The court informed me that they do not provide anyone with a debtors full social security number and they do not provide ANY credit bureau ANY information about ANY bankruptcy cases. 

It is quite clear that someone from XXXX, XXXX, and Experian lied about verifying this bankruptcy with the courthouse. That is a violation of the Fair Credit Reporting Act ( FCRA ). 

As you know, it is also a violation of the FCRA to report inaccurate or unverifiable information on a credit report. Thus, I demand that they IMMEDIATELY REMOVE the following bankruptcy from my credit report : XXXX XXXX BANKRUPTCY, Docket # XXXX
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file. 

XXXX Date of inquiry : XX/XX/XXXXXXXX  XXXX XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2022-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (VA)

Equifax apparently does not feel it's necessary to comply with current regulations regarding providing free credit reports to citizens. 

After filling out a request for my free credit report at annualcreditreport.com and requesting my Equifax credit report I was redirected to an Equifax page that said to please call them without providing a phone number ( screenshot attached ). I waited a month and tried again to the same effect. After locating their phone number I called Equifax about this : they informed me that I could only order my free credit report through them directly, and that I could not access my free credit report through any other website ( including annualcreditreport.com ) This is in blatant disregard of the federal mandate. 

Per the FTC website : https : //www.consumer.ftc.gov/articles/free-credit-reports " '' The three national credit bureaus have a centralized website, toll-free telephone number, and mailing address so you can order your free annual reports in one place. Do not contact the three national credit bureaus individually. These are the only ways to order your free credit reports : visit XXXX call XXXX complete the Annual Credit Report Request Form and mail it to : Annual Credit Report Request Service XXXX XXXX XXXX XXXX, GA XXXX " ''
Consumer complaint received 2024-03-10
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. (FL)

To Whom this may concern, this account has been removed by you guys before, and is now back under another name I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities. 

XXXX XXXX XXXX ( XXXX ) {$650.00} I have my police report attached, and the FTC id theft report attached.
Consumer complaint received 2022-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

My loan with XXXX XXXX was under Covid forbearance for 15 months. After the forbearance period I was approved for a Covid Relief loan modification. Now that the forbearance period has ended XXXX XXXX is now reporting that I was late during the forbearance period ( 15 months ) worth of late payments. 
I can loose my job over this inaccurate credit reporting.
Consumer complaint received 2022-01-27
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. (MD)

My loan with XXXX XXXX was under Covid forbearance for 15 months. After the forbearance period I was approved for a Covid Relief loan modification. Now that the forbearance period has ended XXXX XXXX is now reporting that I was late during the forbearance period ( 15 months ) worth of late payments. 
I can loose my job over this inaccurate credit reporting.
Consumer complaint received 2022-04-11
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. (WV)

Equifax is reporting that i have maintained a high balance history on XXXX credit cards. I have attempted to dispute this, they all about 1 day to " investigate '' and sent me a letter saying this information is accurate. This is a lie. At this point they are intentionally lying about my credit history causing damage to my score. I attempt to log back into their site today to again dispute their information and i am prevented from doing so. They made no attempt to contact the credit card companies to verify the information the simply decided its true. 

They report I have a balance of over XXXX on my XXXX XXXX card and have had that balance since at least XXXX XXXX XXXX. This is a lie and can be verified by the credit card company. I have paid off my balance in full each month i had the card and carry a 0 balance now and always yet Exquifax says i have a current balance of over XXXX. And they refused to remove this from my credit report. I called the card company myself and they have never reported me having a balance of XXXX at any time. 

Equifax also reports that I have maintained a high balance on a XXXX XXXX  XXXX credit card for years as well, this is also a lie. I havent even used that card in years. And I had always paid my balance in full each month when i did use it. Equifax could have contacted them to confirm this and they did not. They simply claim the information is accurate, which is a lie. I have to say lie because they will not produce any information to back this up and the credit card company reports a 0 balance since XXXX. They are deliberly falsely reporting my credit history. Their own credit report shows no activity on this account in the time they are reporting a high balance. 

And try calling Equifax to clear this up? Yeh they make sure that is not possible.
Consumer complaint received 2023-07-28
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. (CA)

My credit report is showing late payments to XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative.
Consumer complaint received 2022-01-27
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. (NE)

I have new and updated information regarding Equifax. On XX/XX/XXXX, I submitted a complaint here through the CFPB regarding a few inaccuracies on my consumer report. I attached actual proof of these inaccuracies in that complaint. I also provided proof of my identity, address, and statement verifying who I am. Equifax response to my complaint which I have attached here completely shows they did not even look into my complaint. They asked me to send to them the accounts which I sent an actual copy of the inaccurate information furnished from my consumer report I obtained from them off annualcreditreport.com. They also asked for proof of identity and address which again I attached in my complaint as well. They asked that I sent this information in to their address however federal law allows me to dispute through the communication channel that I prefer. Equifax has violated my federal protected rights. See counts below : Equifax failure to provide me with a reasonable investigation is a violation of my federal rights pursuant to 15 USC 1681ia Equifax failure to reasonably investigate my dispute shows Equifax is willfully reporting innacurate information on my consumer report pursuant to 15 USC 1681n.

Equifax failure to provide proof of investigation shows they are negligently reporting information on my consumer report pursuant to 15 USC 1681o.
Consumer complaint received 2021-05-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (NJ)

Sent a debt validation and verification letter to Commonwealth Financial systems on XX/XX/2021 by certified letter. The company did respond to all of the information I asked for. Proof the debt belongs to me. My signature on any contracts, proof you are licensed to collect debts in my state. The item is still on my credit report with all three credit bureaus