davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AK)

This is not a verification dispute. 

XXXX Account # XXXX is old and is reporting 15 years on my credit report. 

XXXX is reporting accounts to my consumer reports that I did not express permission or permissible purpose to report. 15 USC 1681 b. As a consumer I have the right to privacy pursuant 15 USC 1681, pursuant 15 USC1692, and pursuant 15 USC 6801. My private information is my business. My XXXX loans are my business. My XXXX loans are my private information. XXXX have report my private information without my consent. Navient actions have amount to aggravated identity theft 18 USC 1028a. As a consumer they have an obligation to protect my personal non-public information. They have reported my confidential and private information to an unaffiliated third party without giving me the proper disclosures 15 USC 6802. 15 USC 6802 Obligations with respect to disclosures of personal information opt out in general. A financial institution clearly and conspicuously discloses to the consumer in writing or electronic form or other form permitted by regulations prescribed under section 6804 of this title that such information may not be disclosed to such third party ( c ) the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX have violated my right to privacy. Their actions have cause me and my family severe mental anguish defamation of character. XXXX has stolen my identity, violated my consumer rights to privacy and the obligation they have maintain the security and confidentiality of my private information. They have no lawful authority or permissible purpose to put any account on my consumer reports. 15 USC 1681 and civil liability for willful non-compliance. In general, any persons who will fully fails to comply with any requirements imposed under the subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of. B. Says in the case of liability of a natural person for obtaining a consumer report under false pretenses of knowingly without a permissible purposes actual damage is sustained by the consumer as a result of the failure or {$1000.00} whichever is greater. 

Delete old XXXX Account XXXX.
Consumer complaint received 2017-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

On  XXXX   XXXX ,   XXXX  , I realized my identify was stolen because I received mail forwarding confirmation from the  XXXX  that I did not initiate. I also received a credit card confirmation from  XXXX   XXXX   XXXX   that I did not apply for. I immediately reported it as fraudulent so my mail was only forwarded for 5 days, I contacted the credit bureau and placed a fraud alert on the  XXXX  services, Experian,  XXXX  and  XXXX  My family and I are now moving. So I changed my address on some credit card s, one of  them  XXXX   XXXX  in particular. My son was attempting to buy gas and he was prompted to enter the zip code. He entered our current zip code instead of the new  one beca use he did n't know I changed the address. This action put a hold on all of the cards. I called  XXXX  on  XXXX   XXXX ,   XXXX   and they explained that they could not release the hold because a fraud alert is on my Experian file and the contact information that I supplied did not match. The cell number I use to authenticate, was 'close ' but not correct. So, the  XXXX   XXXX  cards have a freeze until I reach Experian to verify and correct my contact information. I can not reach a person to help me at Experian. It 's just a menu and none of the options fit my situation. I have tried a few times during different times of the day, but my call is never routed to a person. Please help.
Consumer complaint received 2018-12-04
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC (TX)

CAPITAL ACCOUNTS violated federal law by not notifying me within ( 5 ) days before they REQUESTED this account to be INSERTED on my credit file pursuant to 15 U.S. Code 1681i ( B ) ( i ) ( ii ) and ( iii ) Requirements relating to reinsertion of previously deleted material. Although this is not a refusal to pay ; however, your noncompliance within the ( 30 ) day time frame is a violation of both the federal and state law according to the disclosure requirements of the Fair Debt Collection Practices Act and the Uniform Commercial Code ; yet, CAPITAL ACCOUNTS fail to meet the legal requirements by law.
Consumer complaint received 2024-02-19
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. (FL)

My name is XXXX XXXX, and I had a car loan through XXXX XXXX XXXX XXXX. The car was return back to the lender XXXX years ago and I recieved a check because they SOLD MY CAR. They took my car from my parking spot XXXX YEARS ago. It was paid for after being sold and was removed. 

After looking at my credit documents on ALL XXXX bureaus, they are still reporting this CARD AS LATE PAYMENTS, ITS CURRENTLY STILL OPEN AND REPORTED. I do not have possession of this automobile. 

Because if this, this is a additional reason I cant not get an apartment, credit or anything because its showing I owe a car company who not only took the car but sold it as well. 
The Fair Debt Collection Practices Act ( FDCPA ) is a federal law that limits what debt collectors can do when attempting to collect certain types of debt. The federal Fair Credit Reporting Act ( FCRA ) covers how debts are reported in credit reports. In addition, there are state laws that provide protections against unfair and deceptive practices. 


The ruling interpreted 1692e of the FDCPA, which prohibits debt collectors from using any false, deceptive, or misleading representations or means in connection with the collection of any debt.
Consumer complaint received 2024-01-30
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. (OH)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$520.00} ; XXXX XXXX  XXXX XXXX XXXX {$5000.00}.
Consumer complaint received 2022-10-04
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. (OH)

n accordance with the Fair Credit Reporting act XXXX XXXX acct # XXXX, XXXX XXXX  acct # XXXX, XXXX XXXX XXXX  # XXXX, XXXX acct # XXXX, XXXX XXXXXXXX acct # XXXX, XXXX XXXXXXXX acct # XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXXXXXX XXXX acct # XXXX, XXXX XXXXXXXXXXXX XXXX acct # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX acct # XXXX, XXXX acct # 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
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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 XXXX 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 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.

XXXX Account # XXXX has violated my rights.

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 

THESE ITEMS WERE DISPUTED WITH ALL 3 CREDIT BUREAUS ON XX/XX/XXXX THEY ALL STILL APPEAR ON MY CREDIT REPORT AND NEED TO XXXX REMOVED BECAUSE THEY ARE BREAKING THE LAW 1. Identity Theft XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 

2. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 

3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report 4. XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I looked at my report back on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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. 

XXXX/DEPT OF EDUCATION , XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX And one more thing according to 15 USC 1681s-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.

15 U.S. Code 1681i - Procedure in case of disputed accuracy, a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

And according to nd according to 15 USC 1681i 5 they are suppose to do this ( 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.

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

and according to 15 USC 1681s-2 they are suppose to 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 2024-02-19
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. (FL)

While with my ex-wife, I co-signed three XXXX loans ( XXXX is the provider ) to allow her to finish her education. We have been divorced now since XXXX, and during the divorce proceedings it was made clear and approved by the judge that my ex-wife would be solely responsible for any loans that I was co-signer on. Recently, in XXXX of XXXX, she unknowingly fell behind 60-days with her payments, and because of my continued association with those accounts, my credit has plummeted in response. I submitted a dispute request with Equifax on XX/XX/XXXX and asked them to remove the account and/or the negative information. I provided a justification and the document from our divorce proceedings, and they declined to do anything regarding the situation ( simply came back in less than a week 's time with nothing but a verification that it is my account ). I submitted a similar dispute to XXXX about five years ago, regarding these same accounts, and they cooperated by removing those accounts from my report. My credit scores are wildly different because of these accounts, and it has caused my FICO score to plummet XXXX pts since this issue. I have a similar dispute currently filed with XXXX as well, for the same accounts and reason.
Consumer complaint received 2021-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Helvey & Associates, Inc., Warsaw, IN Branch (UT)

Helvey & Associates are reporting a debt on my credit file that I do not owe. I recently looked at my credit and noticed this debt reporting. This debt is past the statute of limitations in Michigan and past the credit reporting limit. This is a violation under the FCRA and it must be removed.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX and this is not a third party. I have attached documents for your review. The credit reporting agencies are reporting INACCURATE/ INCOMPLETE accounts on my consumer report. As a consumer I have a right to XXXX percent accuracy on my consumer report. Please review the documents and update the information. Thank you.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AK)

XXXX is reporting accounts to my consumer reports that I did not express permission or permissible purpose to report. 15 USC 1681 b. As a consumer I have the right to privacy pursuant 15 USC 1681, pursuant 15 USC1692, and pursuant 15 USC 6801. My private information is my business. My student loans are my business. My student loans are my private information. XXXX have report my private information without my consent. Navient actions have amount to aggravated identity theft 18 USC 1028a. As a consumer they have an obligation to protect my personal non-public information. They have reported my confidential and private information to an unaffiliated third party without giving me the proper disclosures 15 USC 6802. 15 USC 6802 Obligations with respect to disclosures of personal information opt out in general. A financial institution clearly and conspicuously discloses to the consumer in writing or electronic form or other form permitted by regulations prescribed under section 6804 of this title that such information may not be disclosed to such third party ( c ) the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX have violated my right to privacy. Their actions have cause me and my family severe mental anguish defamation of character. XXXX has stolen my identity, violated my consumer rights to privacy and the obligation they have maintain the security and confidentiality of my private information. They have no lawful authority or permissible purpose to put any account on my consumer reports. 15 USC 1681 and civil liability for willful non-compliance. In general, any persons who will fully fails to comply with any requirements imposed under the subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of. B. Says in the case of liability of a natural person for obtaining a consumer report under false pretenses of knowingly without a permissible purposes actual damage is sustained by the consumer as a result of the failure or {$1000.00} whichever is greater. Delete account.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NY)

Equifax and XXXX is reporting an account on my report from NY Department of Social services child support opened in XXXX  account is still reporting although it's paid in full. But they are reporting my credit age as 4 years or so. XXXX XXXX is reporting 1 year of credit age I'm XXXX XXXX XXXX trying to repair my finances and credit age is a percentage of my total score.
Consumer complaint received 2024-02-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP (CA)

XXXX XXXX Deposited $ XXXX into my relatively new Laurel Road savings account. Then saw on XXXX that many savings account customers were having issues where XXXX flagged their account after a larger deposit, locking them out and even closing their account. 

A few days later, early XXXX, I could not log into my account, it was locked. I received a letter stating XXXX was " ending their business relationship with me. '' I've recorded every customer call I've made since. 

It's been over two months, and although they've closed my account, I do not have my $ XXXX, they have it still. Over the course my phone calls to customer service, I've been told ( in order ) that ( 1 ) the $ XXXX would be wired back to my XXXX account from which it came ( it wasn't ), ( 2 ) that I then needed to 'prove " the XXXX account was mine, although it was connected and in my same name and Laurel Road ACCEPTED the wire and it was in my account, ( 3 ) once I sent them back my copy of my drivers license and XXXX bank statement to prove the account was mine from which the $ XXXX was wired into XXXX XXXX they needed 3-10 business days. 

I'm now past that mark, with no update and no $ XXXX. To be clear, THEY closed my account in early XXXX, but are holding on to a $ XXXX ACH deposit I made from my XXXX account. Where is the money? In their own interest-bearing account? How can they keep my money when they closed my account? 

The XXXX thread speaks volumes : XXXX XXXX XXXX
Consumer complaint received 2017-03-22
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XXXX/XXXX/2017 I initiated a transfer of funds to my brother for {$500.00}. On XXXX/XXXX/2017, I was informed by my brother that he never received the payment. I realized that I entered the wrong phone number by XXXX digit. I immediately contacted the bank and filed a claim. I was told it would take 10 business days to resolve. I called regularly for updates. Was told that the person who did receive the funds was also a Bank of America customer and that the bank would try to contact them. On XXXX/XXXX/2017 I received a letter stating that the claim was closed and that I would not receive my money back. The bank had attempted to reach the other party but did not receive a response, however after speaking with a BOA rep, I was informed that the bank only tried to call the other party 3 times and did not begin trying to contact them until XXXX/XXXX/2017, which was 14 days after my initial claim was filed. I feel that BOA did not do a through job in trying to resolve this issue for me at all.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (SC)

XXXX XXXX and XXXX XXXX XXXX Are all in violations of 15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 15USC 6802 ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Privacy act 1974. XXXX XXXXXXXX two accounts are reported as charged off which are considered income and income is not legally reported to my credit report.