davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-08
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. (GA)

XX/XX/XXXX is a system that allows companies to view or have access to court records. A bankruptcy is considered a public record and anyone seeking knowledge of a bankruptcy should visit the court during business hours and pay a fee to view those documents. Under the FCRA my consumer report is private, it's not considered public record. There should be no reasons why a bankruptcy is furnished on a private consumer report, it is illegal. I have reached out to all three major credit bureaus, experian, equifax, and transunion numerous of times and they have ignored my request to remove the bankruptcy furnished by a third party. Attached you will find a letter from the United States Bankruptcy court stating they do not report to credit agencies and they have no part in companies misusing the information obtained from public record. 
According to the law 15 USC code 1681 Permissible purposes. I never gave XX/XX/XXXX, equifax, norXX/XX/XXXX consent to report a bankruptcy on my credit report. No consent is considered idnetity theft and the bureaus can be fine {$1000.00} per violation under the law. Also, this information has ruin my reputation and that is a violation under the law as well.
Consumer complaint received 2021-04-08
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. (GA)

I submitted a dispute with Equifax and other credit bureaus on XX/XX/XXXX regarding incorrect information on my credit report and score. I sent in copies of my Georgia state id, passport, and social security hoping that they could correct my information on my file. I just turned XXXX XXXX and while researching about credit I found that mines had a charge off from XXXX XXXX in XXXX. I contacted the credit bureau in hopes that they would correct my information and also delete the charge off because at that time i was only XXXX years old! There is no way that I would even be able to start an account let alone pay a bill at that age. I got my results XX/XX/XXXX and I feel that the company did not take the investigation seriously. From the information that I gave to them, to the letter that I sent personally explaining my issues on why this shouldnt be on my credit report. Equifax only updated my information and did not take this charge off from my account I dont understand why this closed account is affecting me still when I gave the company ample information verifying my age regardless of what XXXX XXXX could match because that was not me.
Consumer complaint received 2024-02-08
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. (MA)

I was looking over my credit report and saw a hard inquiry from XXXX XXXX  on XX/XX/2022. I called XXXX XXXX  and provided them with this information. They looked me up by my social security number and I was told I never had any inquiries with them. I was instructed to fill out a fraud report by a transition representative because a hard inquiry is showing up from XXXX XXXX but XXXX XXXX  has no history of me ever applying for anything.
Consumer complaint received 2022-07-19
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: CAPITAL ONE FINANCIAL CORPORATION (SC)

Capital One deleted 10 late payments from my consumer reports that had been reporting inaccurately for 5 months. Pursuant to the FCRA furnishing inaccurate information to consumer reporting agencies is a direct violation of the FCRA. Each violation of the FCRA carries a punishment of {$1000.00} per violation. Capital One has violated my consumer rights 10 times by reporting 10 late payments for 5 months. If Capital One didn't know that they were reporting inaccurately they should have. So therefore, they must be held liable for their actions. ( 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ) CAPITAL ONE HAS ADMITTED TO REPORTING INACCURATE INFORMATION AND THEY DELETED THE INACCURATE INFORMATION BUT THEY DID NOT PROVIDE MONETARY RELIEF AS REQUIRED BY THE FCRA. I DESERVE MONETARY RELIEF I HAVE BEEN DENIED CREDIT DUE TO THIS INACCURATE REPORTING. THIS HAS STOPPED ME FROM BEING ABLE TO TAKE CARE OF MY FAMILIES NEEDS. THIS WAS ALSO A DEFAMATION OF MY CHARACTER AS A CONSUMER. CAPITAL ONE IS RESPONSIBLE FOR PROVIDING ME WITH A CHECK FOR TEN VIOLATIONS OF THE FCRA. THIS INACCURATE REPORTING LASTED FOR 5 MONTHS.
Consumer complaint received 2022-07-19
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. (MO)

This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$420.00} ; XXXX Balance : {$100.00} ; XXXX Balance : {$270.00} ; XXXX XXXX Balance : {$87.00} ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX
Consumer complaint received 2021-04-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Bank of America Account # XXXX XXXX XXXX XXXX for {$37000.00} are the sole responsibility of XXXX XXXX XXXX, DOB=XX/XX/XXXX, SSN=XXXX ; Driver 's License # XXXX ; ( XXXX ) XXXX ; XXXX ; XXXX XXXX XXXX ; XXXX, SC XXXX. These accounts are the result of identity theft perpetrated by XXXX XXXX XXXX, and were fradulently opened by her.
Consumer complaint received 2021-04-07
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: PNC Bank N.A. (IL)

I already reached out to the credit bureaus and to PNC BANK, NA for the account number XXXX and notify them of their error posting for this account. It does not complement what the Credit bureaus may claim as a " validated as accurate ''., and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the method of verification, actual proof, physical firsthand documentation of the payment history and proof of last payment but I did not receive what I asked for and these violations persist on my credit report. I just had to escalate to CFPB.
Consumer complaint received 2022-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$420.00} ; XXXX Balance : {$100.00} ; XXXX Balance : {$270.00} ; XXXX XXXX Balance : {$87.00} ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX
Consumer complaint received 2021-04-07
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 ()

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 2023-08-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Exeter Finance, LLC. (CA)

Misrepresentation has been committed on the consumer credit file of XXXX XXXX which violates the Fair Debt Collection Practices Act. Company Name is using extortionate means to collect an alleged debt that I do not owe which violates 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent per FDCPA 15 USC 1692g section 809 ( b ). This notice states that your claim is disputed and validation of the account is required. Provide evidence that you are a license debt collector in my state, chain of title, and a requested copy of your State Department of Commerce and Insurance Certificate. Im also requesting the governing trust instrument, all tax filings and/or interests associated with this account of which I am an alleged party. Please settle the account immediately and cease and desist all communication, Collection and remove the trade line from all consumer reports.
Consumer complaint received 2023-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$2700.00} XXXX XXXXXXXX XXXX Balance Owed : {$52000.00} XXXX XXXXXXXX XXXX Balance Owed : {$7100.00} XXXX XXXX XXXX XXXX Balance Owed : {$15000.00} XXXX XX/XX/XXXX
Consumer complaint received 2021-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/21, XXXX dollars was stolen from my XXXX bank of America account from an ATM. Its an ATM that I have never been to and they can see that in the transaction history. You can see for the last year I have only used XXXX ATMs. I would like the money to be refunded to my account. Someone must have stolen my card and pin number. I have since cancelled that card and received a new XXXX but they will not refund the {$680.00}. I called bank of america to dispute the claim and they said they would look at it. I recently received a letter saying the dispute was unable to be taken care of.
Consumer complaint received 2022-08-09
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. (HI)

I am in total disagreement with the EQUIFAX investigation response to my dispute from XX/XX/2022. The incorrect items listed below still appear on my credit report. EQUIFAX only changed the details and comments on each disputed accounts, EQUIFAX ignored my requested proof of their investigation, therefore EQUIFAX is violating the Fair Credit Reporting Act section 611 ( 5 ) ( A ) of the FCRA. EQUIFAX never provided me any method of communication they used to verify the information. EQUIFAX never provided me the documentation used to verify my dispute. EQUIFAX VIOLATED the Fair credit reporting act, public law 91-506, Title VI, Section 611, Subsection A-D. EQUIFAX is violating the standard of reporting compliance implemented with the CRSA enacted CDIA Metro 2 Compliance regulations. EQUIFAX USED A COMPUTER GENERATED VERIFICATION system called e-Oscar. ANOTHER VIOLATION.

DUE TO ALL THESE VIOLATIONS EQUIFAX NEEDS TO REMOVE THE INACCURATE AND INVALID ACCOUNTS LISTED BELOW IMMEDIATELY : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-02-25
Product: Credit reporting 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: JPMORGAN CHASE & CO. (OH)

All the sites after I reported being a victim of identity theft in which I am. They picked me completely out and I can't get my credit score. I feel punished for being a victim by the credit bureaus and chase bank site makes it look like I'm erased from the world.
Consumer complaint received 2022-07-19
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. (FL)

In accord accordance with the federal credit act XXXX XXXX has violated my rights. 
15 U.S.C 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15U.S.C 1681B Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2021-04-07
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. (AZ)

XXXX Account # XXXX XXXX XXXX XXXX for {$35000.00} are the sole responsibility of XXXX XXXX XXXX, DOB=XX/XX/XXXX, SSN=XXXX ; Driver 's License # XXXX ; ( XXXX ) XXXX ; XXXX ; XXXX XXXX XXXX ; XXXX, SC XXXX. These accounts are the result of identity theft perpetrated by XXXX XXXX XXXX, and were fradulently opened by her.
Consumer complaint received 2022-08-09
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: Experian Information Solutions Inc. (GA)

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Experian and XXXX XXXX XXXX XXXX have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-30
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-04-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

On XX/XX/2021 Enhanced Recovery add a derogatory mark on my credit report per XXXX XXXX upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA. Enhanced Recovery has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2023-08-08
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. (NV)

I experienced identity theft in XX/XX/2023, where my social security, ID, and other documents were stolen. I noticed that there is a hard inquiry on my credit report made on XX/XX/2023. I have since activated a fraud alert and a credit freeze on both XXXX and XXXX. However, when I try to make an account for Equifax, it says that my address does not match what is already on file. I have not ever made an account with Equifax, leading me to believe the thief has made an account impersonating me and has the incorrect address on file. I would like to change the address to my correct address, as well as change any other personal login information so that the thief no longer has access.
Consumer complaint received 2021-04-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Messerli & Kramer P.A. (NE)

On XX/XX/XXXX I called XXXX XXXX XXXX in order to pay a debt that had been mailed to me numerous times. The amount i was willing to pay was the exact amount that was owed. 

When I called XXXX XXXX XXXX they referred me to XXXX and XXXX, as they had purchased the debt. 

I then called XXXX and XXXX and agreed to pay the debt of {$640.00}. 

During my call, which was recorded, we came to an agreement that I would pay monthly for a price of {$110.00}. While on the call they told me there was a processing fee of {$47.00}. I agreed to that and gave them my banking account information to have automatic withdrawals. 

They notified me I will have paperwork mailed to me in order to sign so the payments can be made. 

On XX/XX/XXXX, I was notified that I had a XXXX XXXX trying to deliver a court summons to me. Upon delivery, I learned that is was from XXXX and XXXX, regarding the XXXX XXXX XXXX debt I agreed to pay the day before. 

I then proceeded to call XXXX and XXXX to find out why I was being served this summons. They told me that it was because I owed the debt and they had filed a summons on XX/XX/XXXX in the XXXX courts. 

While speaking with XXXX and XXXX, I ask them why they did not inform me of this action with the courts when I was settling my debt on the phone the previous day. They responded that they assumed I had been served which is why I was calling to settle my debt. 

I was then told that they were not obligated to tell me. 

I told them that it was deceptive business practices for them to know that a summons was being sent to me via a constable, but not notify me when I was calling to settle my debt the day before. 

I informed them that they lied to me when I was making arrangements in good faith. Their response to me was that they didn't need to tell me. If I felt slighted, that they apologise. 

Being that this is a legal court document that was served to me, that is not acceptable. 

Upon further discussion, I informed them that I would like a copy of the phone call I made and the file which contained my information, which was in regards to XXXX XXXX and XXXX XXXX. This request was not acknowledged. 

I passed me off to a higher level manager who was very XXXX and did not wish to help me resolve my issues of removing the court summons from XXXX XXXX courts. When I asked if even if I am still going to have to go to court over this issue, even though I set up payment plans, inwas told that it wouldn't be removed from the courts. 

This is deceptive, if not illegal. I will be seeing a lawyer about this.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (OH)

I have a Chase credit card that went delinquent XX/XX/XXXX. The account went Charge off ( XXXX  ) XX/XX/XXXX. Chase reported it XXXX  until XX/XX/XXXX, then reported no data to XXXX until XX/XX/XXXX. This caused XXXX to report " Date of major delinquency reported '' to be XX/XX/XXXX. I have disputed this 2 times with XXXX. They know that because of the incorrect reporting my credit score went down around XX/XX/XXXX. They have stated that they will do nothing because Chase is reporting it as accurate even though they can clearly see inaccurate information. The decrease in my XXXX credit score has caused me to be denied credit. 
A supervisor at XXXX stated that if someone reports any inaccurate information, the company will always take the lenders information as true.
Consumer complaint received 2017-03-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: WELLS FARGO & COMPANY (NC)

I 've disputed this account with all XXXX credit bureaus multiple times to no avail. Every time it comes back verified as being accurate when its inaccurate. Wells Fargo Dealer Services has re-aged this debt and listed the close date as being XX/XX/XXXX when it really should be XX/XX/XXXX. This is a blatant violation of the FDCPA and FCRA. Because of this I 'm not able to purchase a home because it appears that I recently defaulted on a loan that is really almost three years old.