davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (NV)

There are XXXX collections charges listed on my credit reports that does not belong to me. 

- {$340.00} Convergent Outsourcing ( collection company ) collecting on behalf of XXXX XXXX XXXX. 
XXXX form XXXX XXXX Acct # XXXX The person lived in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas, used my personal identity to opened utility account from these XXXX companies. 

I want to dispute these XXXX charges.
Consumer complaint received 2024-04-02
Product: Credit reporting 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. (TX)

XXXX XXXX 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 2024-02-09
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)

my consumer rights are being violated ive tried more than twice to fix this situation this is non compliance which is a violation pursuant to 15 USC 1611 ( 1 ) ( 2 ) ( 3 ) this has went on far too long
Consumer complaint received 2022-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (PA)

My business account was charged {$27.00} on XX/XX/2022. I need {$27.00} refund. 
I was told there is no fee for this account. Plus my {$500.00} bonus was not paid.
Consumer complaint received 2016-08-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (MA)

I have contacted Equifax in the past. I have a loan with XXXX XXXX opened on XX/XX/2014. This loan has never been late. And is paid 3 months in advance. They have this loan reporting as never paid in Bankruptcy. This is not correct. Even the creditor has contacted them to try to get this information corrected attached is a copy of a lett from XXXX XXXX. The information need to be corrected. its been 4 months and many long hours and nothing fixed. I need assistance with this.
Consumer complaint received 2024-02-09
Product: Credit reporting 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. (IN)

I received a Promotional Offer from XXXX XXXX an when I went online to review what amount was being offered, a screeen popped up and published the following info : Looking up your offer won't affect your credit score. I reached out to XXXX XXXX and I was told to provide my Bank Stmts, and I told them No. I was then told the offer I qualified for was denied, because I did not provide my Bank Stmts. I retrived my Equifax Credit Report and was I had a Hard Inquiry on my Credit Report and I lost 2 points. 

I filed a compliant with Equifax, and they informed me that XXXX XXXX refused to remove the Hard Inquiry. Please see the following documents attached : XXXX XXXX Promotional Offer ; the published notice that my credit would not be effected ; the Offer from XXXX XXXX, and the response from Equifax. 

XXXX XXXX is publishing false information, to Consumers, and effecting their Credit, they are also requiring Bank Statements, that they are not entitled to, if they want to verify Income, or as I was told a Mortgage Payment, they should have reached out to the IRS or my Mortgage Company. Unbeknownst to them, my Mortage Payment comes from my Investment Account, not my personal checking account.
Consumer complaint received 2024-02-09
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. (TX)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2015-05-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

My Experian report contains several SSN variants that do NOT belong to me. I have one SSN which should appear on my report, a copy of which is attached. All other numbers must be removed as they are not mine and are causing adverse action in credit decisions affecting me. Only my VALID SSN should be listed on the report. All other information is INVALID and causing me financial harm. I attaching my drivers license to prove my address and a copy of my ORIGINAL and OFFICIAL SSN card.
Consumer complaint received 2024-02-09
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. (DC)

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

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 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (SC)

I have not been able to access my Equifax score or credit report since XX/XX/. I began calling to figure out this problem around XX/XX/XXXX. They wanted to put it off as a website issue but I advised it is not only their website issue is on every site. I advised I was in process of mortgage loan and asked for any freeze to be removed because lender couldnt access score. They advised freeze removed. On my third call to check on this issue I was now advised there was an internal block on my file and needed to mail copy of ID and social security card. I mailed info that was requested. Called after a week and they advise they dont have anything. This is preventing me from purchasing a home.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have been a victim of identity theft, and the company is trying to hold me responsible for this debt. XX/XX/XXXX I learned that a company by the name of XXXX called me requesting a payment, and in XX/XX/XXXX I received a bill from this company that's when I learned that I had been a victim of identity theft. 

After researching this company I learned that they offer loans to people for home repairs. I do not own a home, and the home I live in is my boyfriends. 

I wrote to this company and explained I had been a victim of identity theft, and the debt does not belong to me. Furthermore, my income would not have supported a loan of that amount. As I receive social security and I'm a XXXX  citizen.
Consumer complaint received 2024-02-09
Product: Credit reporting 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. (IN)

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable XXXX XXXX data field formatting standards. 

Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Hi my name is XXXX XXXX XXXX this is not a 3 rd party and I am a XXXX person. I have notice that XXXX, EQUIFAX and XXXX are reporting Inaccurate, Fraudulent, and incomplete accounts on my consumer report. This is a violation of the FCRA and I demand these accounts be removed immediately.
Consumer complaint received 2016-05-10
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: ZARVAD III S.A. (WY)

Applied for a loan and was told I needed to send a XXXX dollars via XXXX card as verification of employment to receive a XXXX Loan and when that was done the funds would be deposited into my account but when I completed that the company told me I had to pay an additional XXXX for federal taxes. When I told them I was n't sending anymore money they started threatened me with legal action
Consumer complaint received 2015-07-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The open collections notice was never received previously but all of a sudden appeared on my credit report. 
I have not received any letter or notification regarding this balance or account. 
This account is not familiar to me and I wish to find out if my social security number has been misused or subject to identity theft.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am a victim of identity theft. I am writing 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.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

From what I understand, FCRA 605B says wrong accounts should be taken off credit reports. Please check the accounts in the documents. They're reported wrong on my credit report. I'm upset and feeling sick about it. Can you help?
Consumer complaint received 2024-02-09
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 XXXX XXXX XXXX. 




XXXX XXXX # XXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/2022 XXXX 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 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.
Consumer complaint received 2020-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I am a victim of identity theft/fraud. I originally notified Experian on XX/XX/XXXX of a XXXX XXXX account that was opened fraudulently in my name. I provided all required documentation including my Proof of Identity and social security card, FTC report and the 605B Notice to Furnishers so that the account can be BLOCKED per my rights given when notifying a furnisher that I am a victim of identity theft. Since XX/XX/XXXX, Experian has re-inserted this fraudulent account TWICE. The first time was on XX/XX/XXXX and the second time was on XX/XX/XXXX. On BOTH occasions I called into Experian and the reps I speak with LIE and COMPLETELY DISREGARD THE LAW. Today on the phone the Experian rep had the nerve to tell me that in lieu of my call she sent a notice to XXXX XXXX informing them of my dispute ( even though I have written them twice and never received a response ). 
I told her that is NOT a solution and asked her to confirm she will be BLOCKING the account, and at that time she said they could not remove the account until they hear back from XXXX  XXXX. 
She could not confirm that XXXX XXXX provided the appropriate documentation to support their request to rescind/re-report the fraudulent account. This documentation is all what is clearly stated to be required under FCRA 605B. 
Specifically, the CRA can only reinsert information blocked as a result of an identity theft affidavit if one or more of the conditions set forth under FCRA 605B ( c ) ( 1 ) are present. 
Notice of the rescission of a block is then required to be provided to the consumer in the same manner as is required when information that was previously deleted from a consumer 's credit report after a prior dispute is reinserted, using the notice requirement set forth under FCRA 611 ( a ) ( 5 ) ( B ). 

When I asked the experian rep to confirm that she could in fact see that I submitted all of MY required documentation back in XX/XX/XXXX and that they have already blocked and reinserted this account once before and here we are AGAIN. She CONFIRMED that she saw the FTC report and when I followed up asking her to confirm WHAT EXACTLY WERE THEY PROVIDED BY XXXX  XXXX THAT WOULD LEAD THEM INTO THEIR DECISION TO RESCIND THE BLOCKED ACCOUNT, she just stayed quiet and said NOTHING!! She then transferred me to her boss XXXX and I got nothing but his voicemail. I am sick and tired of Experian breaking the law. If they do not fix this mess and BLOCK this account ONCE AND FOR ALL I WILL FILE SUIT AGAINST THEM and seek all damages available to me by law.
Consumer complaint received 2017-01-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (OR)

Unable to report as they do not have anyone available to speak XXXX and when attempting to get address via online direct to Equifax their website said the information submitted was incorrect. I believe they have my date of birth incorrect and this has caused me to not be able to apply for any type of credit.
Consumer complaint received 2024-02-09
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. (UT)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2016-11-02
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TIDEWATER FINANCE COMPANY, INC. (CO)

I paid off my auto loan on XXXX XXXX, 2016. Tidewater Finance provided me with a pay off amount {$310.00} greater than the balance of the loan. I requested a refund on XXXX XXXX,2016. I have not received the title of the vehicle or my refund. TIDEWTER has told me they have 60 business days to issue my refund and the title. My son is in the XXXX and I need the title to transfer the vehicle to his name prior to him being XXXX. I have called Tidewater more than ten times and emailed my request with no response.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

Notice to Cease and Desist To Whom it May Concern ; This is in reference to the Consumer Report sent by USAA SAVINGS BANK. While checking my credit report, it came to my notice that USAA SAVINGS BANK has furnished an account XXXX And XXXX '' on my credit report. 

According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ).

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency.

Any further contact by your Agent or USAA SAVINGS BANK, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 

Thank you for your cooperation
Consumer complaint received 2016-12-15
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Conn's, Inc. (TX)

I paid in the accounts with conns credit on time, in fact I paid the account in full prior to the maturation date. The have reported my account 30 days late and it is affecting my score. I am also receiving credit approval letters asking me to reopen my account due to my excellent payment history.
Consumer complaint received 2020-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (FL)

On Sunday XX/XX/2020 I deposited Cash into the ATM at XXXX XXXX XXXX XXXX, XXXX Florida for the amount of {$3000.00}. The ATM had technical Difficulties and did not process my transaction however did not return my cash either. It gave me a receipt stating I must return to the branch when it is open to " reclaim or receive my items deposited ''. The very next mourning on Monday XX/XX/2020 I went to the bank to do so. The bank said I need to file a dispute so I did. I just called the bank corporate number and they said the dispute is closed and no credits issued! I have filed a police report which I will attach the case number. I made this deposit between XXXX and XXXX on XX/XX/2020. I have attached proof of everything.
Consumer complaint received 2024-02-09
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. (TX)

This is a formal complaint for XXXX, XXXX and EQUIFAX to stop reporting my transaction history as it is in direct violation of FCRA and 5 USC 522a which protect my right to privacy.

It is clearly stated in : 15 USC 1681a : Definitions and Exclusions, transaction history on my consumer credit accounts is not to be reported, as it is also clearly covered in the Privacy Act of 1974. 

I have never given said agencies permission to report such information. If XXXX, XXXX, EQUIFAX somehow obtained my authorization through direct communication with me, I formally fully withdraw any and all authorization I may have given XXXX, XXXX, and EQUIFAX. 

Any authorization provided or obtained by third parties, such as the security transfer agents listed above, written, non-written, verbal, non-verbal to report my transaction history is null and void as it is against the law. 

It seems XXXX, XXXX and EQUIFAX have a blatant disregard for the law and I am requesting the CFPBs help to uphold the law in regards to my transaction history and to see that is removed from my consumer report.