davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-23
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. (VA)

I am writing to formally lodge a complaint against XXXX XXXX XXXX XXXX concerning their inaccurate reporting practices to the Consumer Reporting Agencies. 

My complaint pertains to the following issues : XXXX. Inaccurate Reporting to Credit Bureaus : XXXX XXXX XXXX XXXX has reported a collection account on my credit report, but it does not appear on all three major credit bureaus ( XXXX, Equifax, and XXXX ) .Specifically, the account in question is reported to only TWO of the three bureaus, leading to incomplete and inaccurate information on my credit reports. 

XXXX. Impact on Credit Score and Credit History : The lack of reporting to all three bureaus is negatively impacting my credit score and credit history. Accurate and complete reporting is crucial for maintaining a fair and accurate credit profile, and the omission of this information from one of the bureaus is causing undue harm. 

The reporting of these account ( s ) is/are violations of 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. I have been disputing the following account and it keeps getting validated. XXXX XXXX XXXX XXXX Account XXXX is in due fact reporting INACCURATE and XXXX has a DUTY to report only ACCURATE information. 

I have attached my mailing receipts/ Exhibits to this Complaint proving the inaccurate reporting. 

XXXX CERTIFIED MAILXXXX XXXX XXXX XXXX XXXX XXXX XXXX CERTIFIED MAILXXXX XXXX XXXX XXXX XXXX XXXX It is ILLEGAL to retain or report misleading or unproven information, especially considering a composed consumer complaint notifying you of said issues so please DELETE the aforementioned illegally expressed allegation ( s ) here and now. Do not confuse my credit file with people of similar name, address, or SSN. Verify all identifying information. ALL claims, undoubted or not, must be confirmed to be currently and fully true, CORRECT, COMPLETE, TIMELY, of my OWNERSHIP, of my RESPONSIBILITY, and or compliant to all applicable reporting laws and mandated standards, which is currently the FCBA, FCRA, FDCPA, METRO 2 COMPLIANCE STANDARDS, and others, letter laws and requisite reporting standards, you or any entity are in infringement of my rights. Should you continue to maintain and/or report any chicanery-based subterfuge even upon my declaration of a composed consumer complaint, therefore, eradicate immediately and in entirety any and all allegations which are not demonstrated in clarity to be veridical, correct, complete, timely, mine, my responsibility, or else wise fully compliant. 

XXXX : XXXX, Beneficiary WithOut Prejudice
Consumer complaint received 2024-08-23
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. (FL)

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 2018-11-02
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. (NM)

Experian can not seem to get this right. I've already filed a complaint with CFPB regarding this matter and Experian claimed it spoke with XXXX and supposedly confirmed that I am somehow responsible for XXXX  account no. XXXX. Experian uses this as a basis to keep its negative and erroneous report regarding me and this account on my credit report - essentially, Experian is reporting that I failed to pay and/or made a late payment in connection with XXXX  account no. XXXX. This is false. Experian should know this, because I previously forwarded to Experian a letter from XXXX attesting to the fact that account no. XXXX is not my responsibility. Nevertheless, Experian, in response to my earlier complaint with the CFPB, stated the following : " Per your previous request for reinvestigation, we contacted the data furnisher ( s ) for the account and asked them to verify the accuracy of the information with which you disagree. The data furnisher ( s ) responded to your dispute and verified that the disputed information was accurate as reported. '' Experian is either mistaken, not telling the truth, and/or did not really bother to contact XXXX regarding account no. XXXX. Provided with this complaint is the letter I previously sent to Experian along with a letter from XXXX confirming that account no. XXXX was not and is not my responsibility. If I am wrong, please enlighten me and XXXX as to why Experian continues to insist on trying to hang this bogus credit report regarding XXXX around my neck. If there is a valid and legal basis for what Experian continues to try to do to me regarding XXXX account no. XXXX, I would love to hear it. 


Failing that, Experian should remove the negative references to XXXX account no. XXXX from my credit reporting, and restore my credit score to what it was before it was improperly affected by Experian 's erroneous and defamatory attribution of account no. XXXX to me. Maybe this time, Experian will actually read what it has previously been provided, and actually speak with the person from XXXX who knows that account no. XXXX was not and is not my responsibility. 


CFPB, please look into this with a little more vigor than last time. Apparently, you can not believe or rely on what Experian says about XXXX, XXXX account no. XXXX, and the account 's truly non-existent connection to me. Please look at the letter from XXXX!
Consumer complaint received 2024-08-23
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. (NC)

XXXXXXXX XXXX  account is listed twice on credit report under two different accounts ( XXXX XXXX XXXX XXXX XXXX XXXX ). Payment was made and was communicated to consumer ( myself ) from collector that it would be deleted from credit reports, but has not been deleted at of XXXX
Consumer complaint received 2024-08-23
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. (CA)

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.
Consumer complaint received 2024-08-23
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. (FL)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2024-08-23
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 XXXX XXXX SUMMITED 2 FORMS OF identification Proof of address ALONG WITH FTC AFFIDAVIT ( a ) Block. 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ;
Consumer complaint received 2024-11-01
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. (TX)

Subject : Dispute of Collection Account Request for Removal Due to Lack of Debt Validation To Whom It May Concern, I am writing to dispute the accuracy of a collection account listed on my credit report under the account # [ XXXX ]. I previously requested debt validation from the collection agency handling this account, but they failed to provide the required validation. 
According to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ), a collection agency must provide verification of the debt upon request. Since the collection agency has not provided this validation, the collection account should not be reported on my credit file.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I am requesting that you reinvestigate this matter. The continued reporting of this collection account without proper validation is inaccurate and violates the FDCPA. 
Please remove this collection account from my credit report and provide written confirmation of this action. If the collection agency can not validate the debt, the account must be deleted from my credit file as required by law. 
Thank you for your pro
Consumer complaint received 2024-08-23
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. (AZ)

Dear Equifax Dispute Department, I am writing to dispute inaccurate information that appears on my Consumer Report. Specifically, I have identified errors related to closed accounts that must be corrected or deleted immediately. The details of these accounts are as follows : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my Consumer Report and have it corrected or removed if it can not be verified. The information related to the above-referenced accounts is inaccurate and can not be verified. Therefore, I am requesting that these accounts be permanently deleted from my Consumer Report. As part of your obligations under 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable investigation of my dispute within 30 days of receiving this letter. If the disputed information can not be verified or is found to be inaccurate, you must delete the information from my Consumer Report. Additionally, under 15 U.S.C. 1681g, I request that you provide me with all documentation and information in your files regarding these accounts, including any materials used to verify the accuracy of the information. If Equifax can not provide such documentation, you are legally obligated to delete these accounts from my Consumer Report. Please confirm in writing the actions you have taken to correct these errors and provide me with a free copy of my updated Consumer Report to verify that the inaccuracies have been removed. Thank you for your prompt attention to this matter. I expect full compliance with the law and a swift resolution. Sincerely, XXXX XXXX
Consumer complaint received 2018-07-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (VA)

I have been contacted every day for months about this account. On several occasions I have asked for the original creditor XXXX XXXX and XXXX XXXX to provide proof showing why I owe this amount and neither have been able to provide me anything. I spoke with a representative in XXXX and asked for this information and was told " we do not have that on file for your debt '' I advised I was sure the amount was wrong and she asked me " how much do you think you owe or what do you think the correct balance is '' At that time she wanted to set me up on a payment plan but I was still weary about this debt because I know for a fact this debt owed is incorrect and I want proof for the debt reporting on my credit. I have also disputed this with XXXX.
Consumer complaint received 2022-04-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (TX)

When I moved out of my apartment. They said I owed them {$400.00}. I paid them the {$400.00}. I called the office, spoke to the office manager at the time and verified that everything was settled. Well I guess new management came in or something because they hit me with a bill of {$900.00} in XXXX of 2020. This is after my apartment inspection was done and completed. So this collection needs to be removed as soon as possible.
Consumer complaint received 2024-11-01
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. (GA)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am writing to request the blocking and deletion of accounts and inquiries from my credit report due to my status as a victim of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information resulting from identity theft removed from my credit report. 
Please find below the details of the accounts that I am disputing : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I made a call to my credit card company today XX/XX/2018 but struggling to pay for my card if their is a promotion on my card if the interest the percentage on my card will be reduced and the lady that was on the other side didnt give me options she asked me about my income and experiture which I told her I dont know because the numbers will be give her will not be correct and she keep pushing and pushing and at the end she told me my account is going to be block and Im going to have a bad credit record but I have to keep on paying them. I told her no this is not why I am going I was calling if my interest will be reduced or if there is going to be a promotion on my card I can still be able to continue to pay but MBNA credit card costume will not listen to me
Consumer complaint received 2022-07-25
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-01-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PARKSIDE LENDING, LLC (IL)

Parkside lending reported my tradeline as 30 days late in XX/XX/2019 ; however ; Parkside Lending did not service my loan, as I refinanced with Parkside Lending and they sold the loan on XX/XX/2019 to XXXX XXXX XXXX. 

In my welcome letter, I was instructed to send all payments to XXXX starting with my XX/XX/2019 payment. 

I have provided evidence : bank statements, mortgage statement, & welcome letter, that I made all of my payments to XXXX including the XX/XX/2019 payment that is in question. 

I have disputed this 3 times with XXXX with no luck whatsoever! I have also called Parkside Lending and they refuse to help as well. 

I have attached documentation that proves my loan was sold XXXX and I never was late in making a payment to Parkside Lending. 

Soto Credit Report XXXX XXXX XXXX XXXX XXXX opened XX/XX/2019 XXXX XXXX Statements Payments to XXXX XXXX, XXXX, XXXX XXXX Statements/Transactions Payment Details XXXX XXXX XXXX, XXXX
Consumer complaint received 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Park Hill Holdings (IL)

FACT : Im submitting this complaint myself and there is no third party involved. 

CORELOGIC D/B/A SAFERENT has continuously placed a false public record on my consumer file that has had a detrimental impact on my livelihood. They are reporting an eviction on my credit when there is no public record to be found. I have had my consumer report ran through several consumer reporting agencies and they all confirm that there is no judgement or public record attached to XXXX XXXX ( see attached consumer report from another consumer reporting agency ). I have contacted the court house where this alleged eviction was filed and they said they have no record NOR do they sale this information to third party consumer reporting corporations. Because of this false negative allegation I have been forced to move into a horrible part of my city and pay three times the rent. I have contacted SAFERENT multiple times and all they keep saying is they'll start a dispute process. 

As a consumer I did not give CORELOGIC written permission to house ANY information on my person, public or private. They are in clear violation of 15 U.S.C. 1681 ( a ), 15 U.S. Code 1679b : ( a ) In general No person may ( 1 ) make any statement, or counsel or advise any consumer to make any statement, which is untrue or misleading ( or which, upon the exercise of reasonable care, should be known by the credit repair organization, officer, employee, agent, or other person to be untrue or misleading ) with respect to any consumers credit worthiness, credit standing, or credit capacity to and the Illinois States Attorney General has been contacted as well as the XXXX XXXX XXXX. I, the consumer, have a right to correct information on my consumer report and am demanding that this false alleged information is permanently deleted from my consumer report and any public or private database.
Consumer complaint received 2018-11-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FirstPoint Collection Resources (NC)

I didn't know about a debt when applying for a loan. I found First Point Collections had filed a past-due medical collection. Once they verified it was mine, I told them I would be happy to pay it, but I wanted the entry removed from my credit reports. They said the most they would do is mark it as paid but not remove it. I would like to pay this bill, then have it removed from my credit.