davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-11
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. (NJ)

In accordance with the Fair Credit Reporting Act ( FCRA ) -- > XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my consumer rights XXXX 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (NM)

Wells Fargo Card Service is reaging their account by currently reporting on my credit report 52 charge offs when they can only report 1 the most recent as XX/XX/XXXX when this account was closed on XX/XX/XXXX, this is a serious violation of FCRA also very damaging to my credit worthiness and misleading to potential creditors
Consumer complaint received 2023-01-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Dividend Finance Inc. (FL)

This complaint is in regard to a solar & LP backup generation project loan for {$70000.00}. On XX/XX/XXXX I signed a financing contract with Dividend Solar Finance LLC ( XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, CA XXXX ) to finance my project with XXXX ( XXXX XXXX Located At : XXXX XXXX XXXX  XXXX # XXXX XXXX, FL XXXX ( XXXX ) XXXX License No. : XXXX XXXX ). I have been in constant contact ( 10+ phone calls and emails with details of my complaint ) with Dividend since I received their errant notice of project completion and repayment initiation on XX/XX/XXXX. This notice of completion was fraudulently filed by XXXX ( contractor ) with Dividend to get paid for a project that they had not satisfied the terms thereof. XXXX XXXX is aware my concerns and has not taken action to correct the issue. I have documentation to support my effort to resolve this issue and XXXX has not attempted to resolve the issue, complicit allowing the unfinished contract to continue, knowing they have fraudulently submitted for, and been paid by Dividend. Dividend is located in California.I have been clear that we have not satisfied the terms of the contract for repayment to begin as my project is still not completed as of the date of this complaint. The is the first of many agency complaints I intend to raise with ( California, Florida & federal ) in regard to XXXX & Dividends fraudulent practices. No lawsuit has been filed yet. and I have not retained an attorney.
Consumer complaint received 2022-07-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2022-09-11
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. (OH)

my rights have been violated, i sent in a request about what i saw on my consumer report and adv them to correct and provided the laws violated because this is not fair and right. They failed to respond fair and correct. now im reporting it this. i sent certified mail, here is a tracking number XXXX and i have the receipts. 

They also violated my rights numerous times. The credit bureaus violated my given rights under XXXX USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 15 U.S.C 1681 Section 604 A Section 2 : i did not use in manner which is fair and equitable to the consumer in reporting negative allegations without written permission. a consumer reporting agency can not furnish an account without my written instructions. 

According to : 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. 

Remember, the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

please audit these companies and correct my report as this is harming my chahracter.
Consumer complaint received 2022-07-28
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. (TX)

It appears that my credit file has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. Here are the disputed items that did not belong to me. XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX  XXXX XXXX, TX XXXX ; XXXX XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$15000.00} ; XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$25000.00} ; XXXX  XXXX XXXX Opened Balance XX/XX/XXXX {$4100.00} ; XXXX XXXX  XXXX Opened XX/XX/XXXX Balance {$2300.00} ; XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$390.00} ; XXXX  XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$440.00} ; XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$3300.00} ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX.
Consumer complaint received 2022-07-28
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-07-20
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: Experian Information Solutions Inc. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX, {$1200.00} and another XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} 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. 
XXXX  Account # XXXX, has violated my rights. 

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 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: VW Credit, Inc (CA)

I am writing to file a formal complaint against Volkswagen XXXX XXXX for providing inaccurate information to credit reporting agencies, which has negatively impacted my credit score. 

On [ XX/XX/XXXX ], Volkswagen XXXX XXXX reported that I had XXXX late payments on my account ( Account Number : [ XXXX ] ), which is incorrect. I have always made timely payments through their auto-payment system. Volkswagen has admitted their mistake in a letter dated [ XX/XX/XXXX of VWs letter ], confirming that I have never missed a payment. 

Despite this admission, the incorrect information remains on my credit report, and Volkswagen has not taken sufficient steps to correct it with the relevant credit reporting agencies. 

I have contacted Volkswagen directly and submitted a formal dispute with the credit reporting agencies, but the issue persists. I am requesting the CFPB 's assistance in ensuring that Volkswagen rectifies the incorrect reporting and that my credit report is corrected promptly.
Consumer complaint received 2024-10-25
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)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am an employee for an attorneys office. A salesperson from XXXX XXXX XXXX XXXXXXXX, who was selling office equipment came to this law firm and drew up a contract for XXXX XXXX for XXXX XXXX XXXX XXXX, the name of my employer who has an office in XXXX, TX. After failing to secure the agreement, the salesperson made a unlawful decision to use information from me to make a deal without my knowledge to another financial company, XXXX XXXX. I knew nothing of this until I saw in my credit report with a balance of {$10000.00} from XXXX XXXX. XXXX XXXX never verified my information or if there was any equipment in the office. They just informed me that I needed to pay off a balance for {$10000.00} using my XXXX organization which does not exist at the address on the paperwork. The equipment listed on the paperwork does not exist in this office either. I have disputed this with Equifax and XXXX and both say that it is accurate. It is NOT accurate. I have not received any paperwork from XXXX XXXX for me to sign. If I need to submit the documents, I can. I have the original contract with XXXX and what looks like an invoice from XXXX XXXX. I also have recorded the conversation between the salesperson and myself. I want this off my credit report and the my name cleared of any payments to anyone regarding equipment that does not belong to me.
Consumer complaint received 2023-07-20
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. (NC)

I was a victim of identity theft pursuant to 18USC 1028A, I'm requesting XXXX, XXXX, & Experian to remove inquiries that I deem as alleged fraud. Pursuant to 15 USC 1681c-2 which states these inquiries must be deleted within 4 business days of receipt of identity theft. These inquiries must be removed : These inquiries are attached to the FTC ID Theft Reports enclosed.
Consumer complaint received 2022-07-29
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 2023-07-20
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: Experian Information Solutions Inc. (CA)

Hello, so I am imforming you the CFPB that XXXX, XXXX, and Experian have violated me and my life by reporting inaccurate information and I have found out that all 3 bureaus are FRAUD. THESE COMAPNYS ARE ONLY to report to consumers that live in the state of XXXX  ONLY.. This is Identity Theft, FRAUD and I DEMAND A COMPLETE INVESTIGATION OF ALL 3 CREDIT REPORTING AGENCY XXXX, XXXX, AND EXPERIAN. These agencies are in violation of the law because if they are smart they would have stolen my identity and I demand these so call reporting agencies to erase my report meaning everything off my report. I am a resident of XXXX  and I demand as a consumer here to delete everything off my report bc you have no right to steal my identity and report anything when in fact u are only to report XXXX  residents only. Yes I have caught on to these FRAUD companys and I demand you delete my entire report 15 USC 1681b. I did not give consent and these so call Credit Agencys are not licensed to report peoples reports outside of XXXX... I DEMAND A DELETION IMMEDIATLY.. OR I WILL TAKE FULL LEGAL ACTION WITH EXPERIAN, XXXX, AND XXXX. I WILL ALSO TAKE LEGAL ACTION WITH CFPB FOR ALLOWING THESE AGENCIES TO BE ABLE TOO DO THIS FRUAD AND STEALING PEOPLES INFORMATION LIKE THIS. THIS IS AGAINST THE FEDERAL LAW..
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

My accounts was never late! I have had exceptional payment history with XXXX XXXX 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!
Consumer complaint received 2022-09-25
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. (MD)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX ( {$6200.00} ) XXXX XXXX  : # XXXX ( came back as fraud shows as a repo on my report ) XXXX XXXX XXXX ( AutoLoan No XXXX # {$10000.00} ), # XXXX {$570.00} credit card ) all of the accounts listed above have violated my rights. 

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 an 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 the information is inaccurate.
Consumer complaint received 2019-03-20
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (AZ)

On XX/XX/XXXX I had my mother make a payment in store but she couldnt make it so I made a payment through my account. So it was a double payment. I called to see how can I get it reversed. One of the Representative told me to call my bank and make a stop payment to get my money back. So I did thats. XX/XX/XXXX I made a payment with my bank account. XX/XX/XXXX I got an email stating thats the payment didnt go through. I called right away to see what happen. Called my bank to remove it then called right back and made the payment again. The representative told me I should be fine I should get a fee or anything should happen to me. On XX/XX/XXXX I get my statement with a late fee as well with another letter saying my account is being closed due to number of dishonored payment on this account. I called down XX/XX/XXXX to explain to them thats this was something one of there employees told me to do and now Im getting my account closed and its going to affect my credit score and my history for something they explain to me to do. This is for Walmart credit card with synchrony bank
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Hello and good day! There are erroneous information on my credit report, this is really worrisome. My financial freedom is at stake and these errors halts the progress in achieving it, my credit applications are getting rejected because of these inaccuracies it's extremely stressing me out.
Consumer complaint received 2024-10-30
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. (OH)

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.