davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-30
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. (DC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-23
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$280.00} ; XXXX XXXX XXXXXXXX Balance : {$760.00}
Consumer complaint received 2022-10-24
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. (FL)

I submitted a letter to the 3 Credit Bureaus to update these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-30
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. (MI)

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$2900.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Balance : {$2200.00} SOC SEC ADMIN OFFICE O XXXXBalance : {$2600.00}
Consumer complaint received 2020-08-18
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. (NC)

I have submitted 3 different disputes with Equifax regarding my student loans with XXXX. I have also contacted XXXX. My payment history is incorrect I have called and have been placed on hold and hung up. My score went down 82 points in XXXX. Once I updated my account I only received 50 points back. Last week I lost another 52 points on account of student loans. 

I have also disputed XXXX XXXX XXXX collecting on behalf of XXXX university. The balance has been paid in full but they reduced it to {$300.00}. I reached out to XXXX XXXX XXXX and was told I have paid it but they were not allowed to send proof of payment. 

After 3 months Equifax continues to say they update the accounts but have not. No one is willing to help explain why my score is dropping as I have been paying off all of my debt. 

I have also requested proof of a dispute by certified letter on 3 different occasions.
Consumer complaint received 2022-08-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (CA)

THIS IS DEBT IS OVER 4 YEARS AND THEREFORE, CAN NOT BE COLLECTED. 
I DO NOT BELIEVE I OWE THIS DEBT, AND THEREFORE DISPUTE THIS ACCOUNT PURSUANT TO FDCPA, 15 USC & 1692G AND MY STATES LAWS.

THIS IS DEBT IS OVER 4 YEARS AND THEREFORE, CAN NOT BE COLLECTED.

I DO NOT BELIEVE I OWE THIS DEBT, AND THEREFORE DISPUTE THIS ACCOUNT PURSUANT TO FDCPA, 15 USC & 1692G AND MY STATES LAWS. I REQUEST YOU DISCLOSE THE FOLLOWING IN WRITING.
Consumer complaint received 2022-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MN)

A {$1400.00} was check drawn from XXXX XXXX account and deposited at a Wells Fargo branch on XX/XX/2022. Wells Fargo claimed " insufficient funds at time of inquiry '' on XX/XX/2022. Financial institution, XXXX XXXX both on-line account information and from talking to agent assured that funds to cover check deposited in Wells Fargo checking account were available at XXXX XXXX on XX/XX/2022. Wells Fargo cashed check and funds were withdrawn from XXXX XXXX account on XX/XX/XXXX, but not made available to checking account by Wells Fargo. Wells Fargo placed a hold on funds to be usable until XX/XX/2022.
Consumer complaint received 2022-12-23
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. (MI)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$15000.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$1400.00}
Consumer complaint received 2022-10-24
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. (NY)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-12-23
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. (MI)

These are fraudulent inquiries on my report. I did not authorize all of these inquiries. Below is a list of the inquiries on XXXX, XXXX and Equifax. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2022-08-24
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: BARCLAYS BANK DELAWARE (IL)

Hi, I'm XXXX XXXX, I need your help to reachout to this company. I tried contacting them to verify howcome that someone opened up an account under my name. This is a very serious matter and I feel bad that it is now affecting my credit profile. I do not authorize anyone to use my name, date or birth or any information as it is also against Data Privacy. They need to find out who opened the account under my name and just transfer those information to that person instead. Please help me get this resolved
Consumer complaint received 2022-08-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (MA)

On or about XX/XX/XXXX, I opened a business account with Chase Bank. The Business name is XXXX XXXX XXXX XXXX XXXX XXXX. 

The relationship with the bank lasted for less than one year because on or about XX/XX/XXXX, I went to the nearest XXXX to make a withdrawal and I was notified that the account has been closed. No reason for the closure was given to me. 

A few days later I went back to check the status, but I was informed I will receive a letter with a check for the total of XXXX. On or about XX/XX/XXXX, I received a letter from Chase dated XX/XX/XXXX. In the letter, they wrote among others '' Important information : We have decided to close your account. No reason was given as to why the account was closed. 

In my extremely frustrated state, I reach out again to the bank, this time one of the staff assured me that the check will be put in the mail. Still, when I got a letter that they mailed to me it turned out to be the final Statement of Account from XXXX XXXX XXXX. There was no check. 

Meanwhile my workers a quitting for nonpayment of their salaries, My business operations are dwindling, and My health is failing as a result, of XXXX XXXX and XXXX XXXX 
this has turned out to be a nightmare. Chase is still holding my business funds unjustly.
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the fair Credit Reporting Act XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-08-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2022-12-23
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. (AR)

I am submitting this CFPB Complaint to request that your remove the disputed fraudulent account and information off my Credit File. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following items as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. I have read that under the FCRA section 605v, you are required by law to remove any accounts and information that resulted due to identity theft, so please comply with the law.
Consumer complaint received 2019-05-28
Product: Credit reporting, credit repair services, 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. (TX)

When getting my credit score on XXXX XXXX I have never been able to see my equifax score. After talking with mortgage people I was told I was going to need my score from them. I have called dozens of times and sent in the required documents several times and nothing ever changes. They claim that they have nothing tied to my SS number and that I needed to call my credit card companies and make sure they are reporting to equifax. I have done that and every open account I have is reporting to them. It seems as though they are not willing to help me get this fixed and Im not sure where to go from here.
Consumer complaint received 2019-05-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PNC Bank N.A. (MS)

Starting XX/XX/XXXX they have been calling 5x a day. I paid part of my payment this month because I couldn't afford the entire payment. They have been harassing me since. They leave a voicemail but do not say what they want.
Consumer complaint received 2022-08-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (TX)

On XX/XX/22 I received a fraud notification via text message from XXXX bank who provided the XXXX XXXX credit card at the time. I responded within 1 minute to confirm that the purchases being made were fraud. Within a couple of days I followed up with a phone call to reiterate the purchase was fraud. Based on the emails I had received, it was clear that someone gained access to my o line XXXX XXXX account where my card was saved. I was receiving email confirmations for 4 orders where one was mistakenly shipped to me and the 3 others were sent to another name and address. I was told by XXXX that they marked the purchase as fraud and they would not ship. They did in fact ship. 
I then opened a fraud claim with XXXX and received a letter confirming my claim on XX/XX/22. XXXX, XXXX XXXX transferred their credit services from XXXX to Barclays and when doing so did not transfer my fraud claim. In late XXXX, Barclays then began billing me for the outstanding balance. I spoke with a number of people in late XXXX at Barclays who kept asking me to prove it was fraud. I then escalated to a manager who told me I was not the only customer who was experiencing this situation ( fraud where the claim was not transferred ), and that I would receive a call back. I never did. I have called multiple times since and most recently successfully opened a fraud case with Barclays as by now, they had reported my account as late to the credit bureaus. I asked for something in writing confirming the fraud case had been opened and they said I would receive something via mail. I have not. They have a credit for the fraud charges on my account but not for the accumulated late fees which they continue to contact me to collect. This entire experience has affected my credit score and been poorly handled by all companies involved- XXXX XXXX, XXXX and Barclays. I have yet to see full resolution 3 months later.
Consumer complaint received 2022-10-24
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. (LA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-08-24
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. (PA)

I am a XXXX XXXX XXXX XXXX man, I am a living human being. I have rights under 15 USC 1681. Equifax is governed by 15 USC 1681. They violated my rights numerous of times. 

According to 15 USC 1681 I have the right to privacy and I did not give Equifax written permission to furnish these accounts. I demand the accounts listed below be removed. 

AccountXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-09
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. (AZ)

THIS INQUIRY HAS BEEN OPENED FRAUDULENTLY WITHOUT MY AUTHORIZATION AND NEEDS TO BE REMOVED IMMEDIATELY. THIS IS NOT AN OPEN ACCOUNT AND DID NOT HAVE MY AUTHORIZATION. THIS INQUIRY HAS BEEN REMOVED FROM OTHER BUREAUS BECAUSE THEY IDENTIFIED IT HAS BEEN A FRAUD. SO I WOULD LIKE THIS REMOVED FROM MY REPORT. THANK YOU * INQUIRY - XXXX XXXX Bank XXXX XXXX XX/XX/2022 *
Consumer complaint received 2022-09-30
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. (MT)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$49000.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXXXXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$2600.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-10-24
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-06-09
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: EQUIFAX, INC. (KS)

Hello! This is for the XXXX XXXX XXXX XXXX Credit Card that shows up on my credit report. This account belongs to my ex. I called XXXX XXXX XXXX XXXX and they have taken me off the account but it is still showing up on the credit report and I would like it removed. 
Thank you! 
XXXX
Consumer complaint received 2022-04-25
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. (TX)

On XX/XX/2021 I entered into the XXXX XXXX XXXX XXXX location with the intentions of purchasing a new/used vehicle .Upon making the decision on which vehicle I wanted I sat down with a sells rep to speak about my options. I advised the sells rep that I would be using my own funding from my credit union. A few months later I received a copy of my credit reports at which time I contacted the dealership as well as all companies that I had inquires from via phone, mail, as well as speaking with the Finance manager at XXXX XXXX XXXX XXXX in person who would constantly advise me to call the other companies. Many of the companies have stated that they have never had any of my personal information on file. The companies as well as the credit bureaus who said to contact the dealership. I have strong belief that my credit information as been leaked. Since then I have had multiple credit inquires report on my credit. Although I have tried to solve these problems on my own and have followed every protocol these companies have shown me less that the minimal customer service. During this entire process I have felt very unvalued as a consumer.