davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ADIR INTERNATIONAL LLC (AZ)

To whom it may concern, For several months I have disputed inaccurate reporting to all 3 major CRA'a ( XXXX, XXXX, and XXXX  ) regarding a company called Curacao or La Curacao.

Curacao is the original creditor in this matter. Curacao charged off the debt and sold the debt to a collection agency in the XX/XX/2016. The collection agency that owns the debt and reports to all 3 major CRA 's is listed as XXXX XXXX. I've never received anything from XXXX XXXX, but I know this from reviewing my credit reports. The issue is, even though Curacao sold the debt to a collection agency, Curacao continuously reports a balance due and past due balance to XXXX, XXXX, and XXXX. To my knowledge and research, once a debt is sold to a collection agency, the original creditor may not report a balance to the CRA 's ; they would have to report balance as XXXX ' XXXX  since the collection agency is now reporting the balance and collecting the debt. Every time I have disputed the inaccurate information to all 3 CRA 's, Curacao responds that the information is accurate. So now it's double jeopardy on my XXXX, XXXX, and XXXX  reports. The same debt balance is reporting twice. Also, Curacao, on several occasions, has reported different " current balances '' ( they fluctuate the balance ), and they also periodically change the credit limit on the account ( the account has been charged off for 4 years and was sold 4 years ago to collection agency ). I have called attorney 's for legal advice and know that Curacao is inaccurately reporting. This has caused a lot of stress and anxiety to me and has caused obstacles in my life. Thank you for time looking in to matter. I hope it is resolved soon. I believe Curacao is in violation of FDCRA.
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
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. (NV)

Dispute of Inaccurate Credit Reporting FCRA Violation Dear Credit Reporting Agent I am writing to formally dispute the reporting of an account that you hold on my credit file, which I believe violates the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 3 ) and the Uniform Commercial Code ( UCC ). The account in question is associated with opened on XX/XX/year>, for the amount of {$440.00}. Upon reviewing my credit report, I noticed that the account does not accurately reflect the payment status. Specifically, it fails to indicate that the account was " paid less, '' which misrepresents my payment history and adversely affects my credit score. According to the FCRA, all information reported to credit reporting agencies must be accurate and complete. The failure to report the correct payment status violates federal law. 
Additionally, the UCC mandates that all parties involved in a credit transaction must report accurate information regarding the status of accounts. Given these violations, I hereby demand that you rectify this reporting error immediately by updating the account information to reflect the accurate payment status of " paid less. '' Furthermore, I request that you remove this account from my credit files with all credit reporting agencies if you can not provide accurate reporting. Please provide me with written confirmation that you have received this dispute and the actions taken to resolve it
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. (IL)

I reached out to equifax about hard inquiry details on my account being fraudulent. I will list the inquiries AND collections I need removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-25
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. (FL)

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

Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-26
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. (GA)

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

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry
Consumer complaint received 2020-04-18
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: Experian Information Solutions Inc. (PA)

Hello : The reason that I am writing is I recently received an email from Experian. The email stated that my XXXX score dropped by 5 points. The email did not provide an explanation. I tried to contact this worthless company but they just want to sell me a membership. This has to stop. I cant find any reason that my score would drop. ALL OF MY BILLS ARE PAID ON TIME. I want an opportunity to challenge this decrease but the company doesnt answer the phone and doesnt publish an email address. I wrote to the Whitehouse asking that these credit bureaus be forced to shut down until the economy is open. Please consider how you would feel if I tampered with your credit score.
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. (NJ)

I am disputing the accuracy of the XXXX XXXX account XXXX as reported on my credit file. Upon reviewing this accounts reporting across the three credit bureaus, I found severe compliance violations under Metro 2 standards. Due to these ongoing issues, I am formally requesting the immediate deletion of this account from my credit report. 1.Inconsistent Payment Status : Equifax and XXXX both report this account as XXXX, while XXXX states, Merchandise was taken back by credit grantor ; there may be a balance due. Such inconsistent terminology across the bureaus fails to meet Metro 2 standards, which require uniformity in the reporting of account status. This inconsistency warrants deletion if XXXX XXXX XXXX not verify and align the status across all bureaus. 2.Conflicting Worst Delinquency : Equifax lists Repossession as the worst delinquency, XXXX shows no data, and XXXX reports Foreclosure. The significant discrepancies between these entries highlight non-compliance with Metro 2 standards, which mandate consistency. This failure compromises the integrity of this accounts reporting, and I demand its deletion if the data can not be rectified. 
3.Discrepancies in Last Updated Dates : The last updated date differs across bureaus : Equifax and XXXX list XX/XX/year>, while XXXX lists XX/XX/year>. An inability to provide a consistent last updated date indicates poor data management and further supports my request for deletion due to lack of accuracy.4. Erroneous 2-Year Payment History : The payment history contains erratic reporting, with multiple months marked as Foreclosure ( FC ), 90 days late, and Not Reported ( NR ). Such inconsistencies across bureaus reflect a lack of compliance with Metro 2 standards, which require a standardized reporting of payment history. This unreliability in reporting only underscores my demand for deletion. 5. Inconsistent Reporting of Derogatory Events : The record of derogatory events, such as 30, 60, and 90-day late payments, is conflicting across the bureaus. Equifax lists multiple delinquent events, while XXXX shows minimal information, and XXXX data is incomplete. The lack of uniformity directly violates Metro 2 standards, rendering this account inaccurate and unverifiable.
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. (GA)

I am writing to formally notify you that I am a victim of identity theft, and fraudulent accounts have been opened in my name without my consent. Pursuant to 15 USC 1681c-2 ( a ) and 605 ( b ) of the Fair Credit Reporting Act ( FCRA ), I am requesting that the following accounts and inquiries be blocked and deleted from my credit report : 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 XXXXXX/XX/XXXX
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. (FL)

I am writing to formally request that the following accounts be blocked and deleted from my credit report due to my status as a victim of a data breach. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to be blocked and deleted : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2020-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: FREEDOM FINANCIAL NETWORK (MO)

I was a customer with Freedom Debt Relief ( FDR ) from XXXX XXXX XXXX, XXXX. My payment to them for the 18 months I was a customer was {$280.00} per month. I made 2 additional payments of {$300.00} in XX/XX/XXXX and {$1600.00} in XX/XX/XXXX. FDR also collected monthly fees from me each month in the amount of {$21.00}. The total funds they collected from me in the amount of time I was a customer was {$6800.00}. 

My complaint is that out of all the deposits I made, totaling {$6800.00}, FDR only paid {$550.00} towards my credit cards. A total of 2 settlements were made on my behalf yet they charged me for 6 settlements. One of those 6 settlements was debited to my account on XX/XX/XXXX, AFTER I was no longer even a customer. 

I was told when I signed up for services if I paid any monies in addition to deposit of {$280.00} per month, that my credit card debt would be paid down faster thus expediting my graduation date. This did not happen. All the extra deposits I made into my FDR account was absorbed by FDR for settlement fees. 

Also, statements indicate a payment towards XXXX XXXX of {$270.00} for 7 months, but this does not reflect anywhere on my FDR Dashboard online. I attempted to print information from my FDR Dashboard but settings for the FDR website prevented me from doing so. I was able to screenshot this information, however and will attach with my other documentation of evidence. The dashboard information indicates only 1 payment was made towards my XXXX card of {$540.00} and 7 payments were made towards my XXXX XXXX card of $ XXXX says nothing about the other payments which are listed in my statements. 

In XXXX or XXXX of XXXX, when I spoke with a representative on the phone about making an extra payment to get my debt paid down so I could clear up my credit faster, he explained to me that the extra funds would be placed into my account and eventually put towards my credit card debt. Not one time did he reveal to me that if I put an extra {$1600.00} the TOTAL amount would be used as FEES to pay FDR themselves. If I was told this information I would have used this money to pay bills and not given it to FDR. I'm sure the call was probably recordedplease refer to this phone call. 

In early XXXX when I fired FDR, the company made to attempts to SEEMINGLY want to speak to me to resolve this matter, however when I went to respond to their 2 emails ( one to my personal email and one to my XXXX account ), I did not get a response and I was blocked from responding on XXXX. At the end of XXXX, I sent a certified letter to the company asking them to work with me to resolve this matter and again, no response.
Consumer complaint received 2020-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XXXX  ; Experian and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$320.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid and there is no outstanding balance. This account needs to report a {$0.00} balance and the collection/charge-off needs to be removed. This account is in good standing. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX  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 XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-08-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

XXXX XXXX  made two unauthorized charges to my checking account {$65.00} each for a total of {$130.00}. I called XXXX XXXX and was told that they refunded the {$130.00} that same morning. When I tried to call Bank of America about the unauthorized charge they told me the charge was still processing along with eight other changes. Bank of America told me I can not dispute the charges or retrieve the charge until it finish processing. The next day all the other eight charges finished processed EXCEPT the {$130.00} charge for XXXX XXXX. I called Bank of America and asked the representative why havent this charge process and all the other charges are completely processed which makes me think Bank of Americas is discriminating against me and holding that unauthorized charge in limbo so that  I can not dispute the charge and retrieve my money back in a timely fashion. Bank of America is trying to keep my money held up for 3 to 7 business days for a charge I did not authorize. I think Bank of America is withholding my funds due to XXXX discrimination practices that is integrated into their banking network.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NV)

My credit score has been destroyed and I have done nothing wrong. Equifax is only changing my credit score when it makes my score go down. There have been multiple situations where they had incorrect information on my credit report and when I disputed it, they removed it but score didn't go up. Proving that they have rigged it against and me and are illegally discriminating against me because of the color of my skin and my gender. 

XXXX XXXX reduced my credit limit in XXXX of XXXX  from {$8000.00} to {$970.00} when I had never missed a payment. I contacted XXXX and told them that I would pay off my balance right now if they restore my account and not destroy my credit. They refused and wouldn't let me make a payment. I tried to make a payment and they would not allow me to. 

I disputed the months that they reduced my credit limit with Equifax and uploaded screenshots to prove when they reduced it. Equifax changed the months that this happened but DID NOT CHANGE MY CREDIT SCORE. THIS IS ABSOLUTLEY IMPOSSIBLE and is more proof that the system is rigged against me. 

Equifax also reduced my credit score XXXX points when someone opened an XXXX account in my name. After I finally got the dispute removed, my score didn't increase at all. 

THIS IS MORE PROOF THAT THIS IS ILLEGAL AND THIS IS MORE PROOF THAT THE SYSTEM IS RIGGING EVERYTHING AGAINST ME. 

Why don't you cowards post the REAL rules that you want people to follow?? Why do you cowards post one set of rules and then go by another? Why not openly give the rules, instead of creating traps for people?

The economy is a scam and is not based on money or payment history and is only about unwritten rules that nobody will tell anyone what they are.

I was given 0 % APR for 12 months and then when I used it, they destroyed my credit and never missed a payment. That means that they set a trap and have no interest in making money. This isn't about money and this is illegal and unconstituional.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!