davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I am writing to demand immediate action regarding the fraudulent information present on my credit report. I am a victim of identity theft, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to ensure the removal of all unauthorized and incorrect information. You are legally obligated to act swiftly and comply with my demands, Violations and FCRA Codes : 1. FCRA 605B ( 15 U.S.C. 1681c-2 ) : Identity Theft Block You are required by law to block any information resulting from identity theft within FOUR BUSINESS DAYS upon receiving proof. I have enclosed my FTC Identity Theft Report and relevant police reports as evidence. You MUST comply immediately. 
2. FCRA 611 ( 15 U.S.C. 1681i ) : Dispute Process and Investigation You are mandated to investigate and remove any disputed information within 30 DAYS. If you can not verify the information, it must be DELETED. Failure to comply will be viewed as a direct violation of federal law. 
3. FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) : Providing Records to Victims of Identity Theft I am formally requesting that you provide copies of all records related to the fraudulent accounts and inquiries linked to my identity. This is my right as a victim of identity theft, and I expect immediate compliance. 
4. FCRA 623 ( 15 U.S.C. 1681s-2 ) : Responsibilities of Furnishers of Information Furnishers are legally required to ensure the accuracy and integrity of the information they report. They must correct any inaccuracies or face penalties. Non-compliance will not be tolerated.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XX/XX/year>2024 Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 
Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

Requested Resolution : I request that Equifax conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. Additionally, I request that the credit reporting be corrected across all three major credit bureaus ( XXXX, XXXX, and Equifax ). 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Attachments : Please find attached copies of my payment records and any additional supporting documents to assist in your investigation. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-02-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: HW Holding, Inc (FL)

I have been having a rough time financially, but I am on track to taking care of my debts. I have not heard from Hunter Warfield since XXXX of XXXX, but I am aware of my debt with them. I reached out via phone call on XX/XX/XXXX at XXXX XXXX. The first representative I spoke with explained the options I had but neither of the two were within my financial means. I gave them a number that I could afford to settle the debt, but he refused and said that the lowest they would go was the amount stated for settlement, around {$1900.00}. I tried to explain that I am currently unemployed, a XXXX XXXX, and taking online classes to earn my degree so I can get a better job and that I did not have much but that I could afford {$1100.00}, but no more than that. The original amount owed is around {$2300.00}. The first representative got frustrated with me and told me he needed to transfer the call to someone else. The call was transferred to XXXX, which is when it got worse. I re-explained my situation, but he still pressed and said that they could not go any lower. I told him that the two options they gave me were not possible for me and my situation which is when he said, " how close to $ XXXXXXXX {$1600.00} can you get? '' I again told him that I could only do {$1100.00}. I told him I understood that it is low, but it is all I could afford. He then asked me what my future plans were. I told him I did not know what he was referring to. He stated " you are going to school right now, right? Does that mean you want to get a job after you graduate? '' I told him yes, of course, which is when he said that the {$2300.00} owed would be better than $ XXXX {$6000.00} in court fees or 20 years in XXXX  because of this unsettled debt. I am aware of my rights, and I know that I can not be threatened with XXXX time from a debt collector. This statement from him infuriated me, as it is not only a threat to me but to my XXXX son as well. I do not appreciate being threatened when I am trying to correct my errors and resolve my debts. I told him that he could not threaten me with XXXX time. Throughout the XXXX phone call I was threatened, they raised their voices, cut me off, spoke over me, and called me rude multiple times. This company, Hunter Warfield, is unprofessional and out of line. I only hope to resolve my debts without having to deal with that level of verbal XXXX  again.
Consumer complaint received 2024-10-24
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)

After reviewing my credit report, I discovered accounts that I did not recognize or apply fo upon further investigation. I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! These fraudulent accounts are not only damaging my credit report but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : 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 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
Consumer complaint received 2024-10-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (GA)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2019-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (NJ)

I purchased a mattress a Sam 's Club in XX/XX/2019 for {$640.00} that had a XXXX promotion of interest free for 24 months. I would not have made the purchase if it were not for the interest free for 24 months. Synchrony Bank, the issuer of the card has applied the majority of my payments to the promotion and it is almost paid off in 4 months. I have called them 4 times to reallocate the payment that went to the promotion. On the 4th call I was told to call back after the XXXX the was when the statement ends. I did call the on the XX/XX/XXXX and was told they could not reallocate my payments. 
Now the balance on my card is much higher ( over {$1200.00} ) and accruing interest to Synchrony. 
If the payments were applied fairly my balance on regular charges would {$460.00} lower and the promotion would be {$460.00} higher but not a problem since I have 24 months to pay it off. 
I value my credit and this is a hardship for me to pay my credit card off in order not to pay unfair interest.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Payment history/late payments is inaccurate and contradict my records and that of the other bureaus. report also contradicts Equifax own reporting from my credit report pull and what they actually carry on their website. 
I am losing patience with the computer-generated replies I have got. If the information is not immediately reinvestigated and removed, I will be forced to seek legal advice and submit complaints with regulatory enforcement organizations such as the Consumer Financial Protection Bureau, the Federal Trade Commission, and my state attorney general. 
Remove this incorrect information at once and send me an updated copy of my credit history report. 
account number XXXX account name XXXX XXXX  On Equifax website you listed that I have 7 missed payments on this account and credit karma reports same from pulling data from your website and the same website of yours still has this same account with 5missed payments, but i requested my annual credit report you reported that I have 1 missed payment and same with the other 2 credit bureaus which is the correct information I have as well on file/ record.

I have upload screenshots of my annual credit pull for this account from the 3 bureaus using 1 missed payment and screenshots from your website showing 7 missed payments and also screenshot from credit karma 's data pulled from your website showing 7missed payments as well.
Consumer complaint received 2019-06-02
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: Santander Consumer USA Holdings Inc. (AR)

XXXX XXXX XXXX XXXX, SANTANDER, XXXX XXXX  PULLED HARD INQUIRIES ON ALL REPORTS.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I see that TransUnion has attempted to fix the issues I have complained about and I'm thankful. I received mail that I will have attached below from TransUnion in reference to my XXXX XXXX account that they're reporting. I still see my experiences with XXXX XXXX are still showing on the report. According to the Fair Credit Reporting Act 15 USC 1681a-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 ''. 15 USC 1681a-exclusions, report containing information solely as to transactions or experiences between the consumer and the person making the report. Privacy Act of 1974 it clearly states, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains.
Consumer complaint received 2024-10-26
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)

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-07-13
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. (VA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the lawXXXX XXXX XXXX  XXXX Balance : {$190.00} XXXX XXXX Balance : {$140.00} XXXX  XXXX Balance : {$170.00} XXXX  XXXX Balance : {$100.00} XXXX  XXXX Balance : {$130.00} XXXX XXXX Balance : {$89.00} XXXX  XXXX Balance : {$160.00} XXXX  XXXX XXXX ( Original Creditor : XXXX  XXXX ) XXXX Balance : {$310.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$500.00}
Consumer complaint received 2022-07-13
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. (VA)

This is XXXX XXXX, who is submitting this CFPB complaint, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2021-04-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (CA)

I tried to send them a letter last XXXX asking for a copy of a signed contract bearing my signature, a copy of the payment statements of this account from which Ally Financial is reporting to the credit reporting agency. I am asking for proof that I was late on payment because they are reporting erroneous inconsistent account information. Tracking number : XXXX I never received any response regarding my request and they did not update the credit report as disputed. They sent me an automated letter instead. 

Ally Financial is violating the FCRA for reporting this account with inconsistent and inaccurate information that I disputed which they then did not update to the credit reporting agencies as " disputed '' and continues to report inconsistent account information which is in direct violation of the FCRA.
Consumer complaint received 2024-10-26
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)

I was shocked this afternoon to see inaccurate accounts suddenly appearing on my credit report, and I can't understand how this happened. I regularly check my credit report, and today, without warning, there were errors that made no sense. I even tried refreshing the browser, hoping it was a glitch, but the errors stayed the same. Im truly disheartened by this, so Im asking that my documents are thoroughly reviewed to avoid this issue from ever happening again.
Consumer complaint received 2024-10-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Equifax Dispute Department XXXX XXXX XXXX XXXX, GA XXXX Re : Dispute of Inaccurate Information on Credit Report - Account # : XXXX To Whom It May Concern, I am writing to formally dispute inaccuracies and inconsistencies I have identified on my Equifax credit report regarding the account identified above. Per the Fair Credit Reporting Act ( FCRA ), I am requesting that Equifax investigate and correct the following inaccuracies. The FCRA mandates that information reported on consumer credit reports must be accurate, verifiable, and timely. 

Inaccuracies and Discrepancies to Address : XXXX. Account Opening Date Discrepancy Reported Date Opened : XX/XX/XXXX Other Bureau Discrepancy : XXXX shows XX/XX/XXXX as the date opened. 
This discrepancy raises questions regarding the accuracy of this accounts initial reporting. [ FCRA Section 609 ( 15 U.S.C. 1681g ) ] provides me the right to dispute and request verification. 
2. High Credit Amount Inconsistency Equifax Reported High Credit : {$0.00} XXXX Reported High Credit : {$3700.00} This large discrepancy between the bureaus does not accurately reflect my account history and is misleading. [ FCRA Section 623 ( 15 U.S.C. 1681s-2 ) ] requires that furnishers of information, such as credit card companies, provide accurate data to credit reporting agencies. 
XXXX. Date Last Active Inconsistency Reported Date Last Active by Equifax : XX/XX/XXXX Discrepancy with Other Bureau : XXXX shows XX/XX/XXXX as the date last active. 
This discrepancy significantly affects the reports accuracy, and under [ FCRA Section 611 ( 15 U.S.C. 1681i ) ], I have the right to request correction of this inaccurate information. 
XXXX. Comment Discrepancies and Current Status The comment Consumer disputes- reinvestigation in progress and Amount in XXXX XXXXolumn is credit limit suggest an ongoing dispute. Additionally, the account status reflects Derogatory with a Collection/Chargeoff payment status. I would like verification and correction of these details if they are inaccurate, as required by [ FCRA Section 605 ( 15 U.S.C. 1681c ) ] regarding the reporting period and accuracy of derogatory items. 

I request that Equifax conduct a thorough investigation of these items, correct any inaccuracies, and update my credit report accordingly. Please send confirmation of these corrections or the investigations outcome to my address listed above. 

Thank you for your attention to this matter.