davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

I am filing a formal complaint against Equifax due to the negligent management of my credit report, which contains incorrect names and addresses associated with my credit profile. These inaccuracies, resulting from a lack of proper control and verification, constitute a violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ), specifically under Sections 605, 609, and 604. 
Upon reviewing my recent credit report, I discovered that Equifax listed information not associated with me, including incorrect names and addresses. This improper association of personal information has negatively impacted my credit profile and demonstrates that Equifax is failing to verify the accuracy of the information it maintains, as required by the FCRA.

Specific Issues of Concern Negligent Association of Incorrect Data : Equifaxs records contain names and addresses unrelated to me, likely due to inadequate control and verification processes. This practice misleads lenders and harms consumers by falsely linking unrelated accounts and information. 
Failure to Verify and Maintain Accurate Records ( FCRA Section 609 ) : As a consumer, I have the right to demand accuracy in my credit file. Equifaxs failure to ensure that only verified and accurate information is reported infringes upon my legal rights under Section 609 of the FCRA.

Non-Compliance with FCRA Section 605 : Equifax has also failed to provide evidence supporting the retention of employer information in my credit file, which I did not authorize and have no obligation to report.

Negligent Reporting of Unnecessary Data ( FCRA Section 604 ) : Equifax continues to retain unnecessary information, such as incorrect phone numbers and personal details, without legitimate cause. These actions result in the retention of irrelevant information and fail to comply with the law.

I request that the CFPB investigate these issues promptly to ensure that Equifax : Removes all incorrect names, addresses, and any other data not directly verified as belonging to me.

Implements measures to prevent these errors from recurring in the future.

Verifies and maintains only accurate, legally authorized information in my credit file, as stipulated under FCRA regulations.

Thank you for your attention to this matter. I look forward to your swift action in enforcing compliance with FCRA guidelines and protecting my rights as a consumer. 

Sincerely, XXXX XXXX XXXX
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. (CA)

I am writing to request the blocking and deletion of fraudulent accounts and inquiries on my credit report, as I am a victim of identity theft. These entries were not authorized by me and should be removed under FCRA 605 ( b ) and 15 USC 1681c-2 ( a ). The details are as follows : Fraudulent Accounts XXXX. XXXX XXXX - Account Number : XXXX o Opened : XX/XX/XXXX o Balance : {$560.00} XXXX. XXXX - Account Number : XXXX o Opened : XX/XX/XXXX o Balance : {$530.00} XXXX. XXXX  XXXX XXXX XXXX Account Number : XXXX o Opened : XX/XX/XXXX o Balance : {$55.00} Fraudulent Inquiries XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX
Consumer complaint received 2022-10-25
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. (OR)

I recently checked my Equifax credit Report & noticed a fraudulent collection account posted within my consumer profile. I took the initiative to give XXXX a call about this Fraudulent collection account, I spoke to a representative named XXXX and he informed me it must be a mistake because I currently have XXXX XXXX and my current bill is up to date. In order to keep XXXX services your monthly bill must be on time to keep service. XXXX informed me to ignore the Collection company XXXXXXXX XXXX which XXXX sold my personal information which I did not give the company to furnish a fraudulent collection account. XXXX aslo informed me that my name on this collection account doesn't match my name, which clearly indicates Fraud.
Consumer complaint received 2018-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2018 I was notified about a hard inquiry open on my report, while checking my credit report I noticed this inquiry from a bank, knowing I havent signed up for anything to have this inquiry I contacted the company listed on the inquiry, while speaking with the company they were unable to find an account for my social as well as my address but did see several accounts with my same names as mine. Needing to have this removed from my account. This is not accurate.
Consumer complaint received 2018-11-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (CA)

I have disputed this account several times requesting physical verification from Online Information Services. I mailed all letters certified mail with signed return receipt in XXXX, XXXX, and XX/XX/2018. I do not have a legal agreement/contract with Online Information Services to pay this debt and I asked them several times to remove this account from my credit report. Online Information Services continues to demand payment from me. Per my rights, I requested a copy of the original contract with my signature that says I agreed to pay Online Information Services yet they refuse to provide me a copy.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through physical verification of the original signed consumer contract for any and all accounts you post on a credit report within 30 days. Since Online Information Services refuses to provide me a copy of a legal agreement with my signature that says I agreed to pay their company for this debt, they must REMOVE this account from my credit report. 

Online Information Services has responded by sending me a copy of an old statement from another company. Statements are not sufficient in verifying debt. The law states you must provide me a copy of the original contract with my signature. Online Information Services has and continues to violate my rights according to the FCRA.
Consumer complaint received 2018-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I received an alert from all three credit reporting agency about late payments from XXXX till XXXX. I have sent in my payments on this account. Someone is not updating accounts to reflect the correct amount due on XXXX that has the same amount supplied to the three credit reporting agency.
Consumer complaint received 2018-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Consumer Portfolio Services, Inc. (TX)

I received an alert from all three credit reporting agency about late payments from XXXX till XXXX. I have sent in my payments on this account. Someone is not updating accounts to reflect the correct amount due on CPS that has the same amount supplied to the three credit reporting agency.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Ive been trying to reach out to the proper channels regarding the inaccuracies off my credit report, but to no avail and Ive had enough. It brought tremendous frustration and sleepless nights, worrying if Ill survive tomorrow just because of my credit score being unfairly affected due to these errors on my credit report hindering me from getting my credit applications approved.
Consumer complaint received 2018-01-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: State Home Mortgage (GA)

On XXXX State Home Mortgage processed a total payoff amount for my loan, bringing the principal amount to {$0.00} and leaving a positive escrow balance of {$800.00}. On XXXX they processed a payment out of escrow of {$120.00} for a mortgage insurance premium, with XXXX principal balance on the loan. As off XXXX they have not processed my request to refund the balance of my prepaid escrow account.
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. (CA)

I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report, as I am 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 - XX/XX/XXXX - {$1500.00} XXXX XXXX XXXX - XX/XX/XXXX - {$19000.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$7600.00} Inquiries : XXXX XXXX XXXX XXXXXX/XX/XXXX
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. (NY)

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>. 
It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off.

The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt attention to this
Consumer complaint received 2018-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (TX)

Hello, I'll be attaching scanned pdf files of the dates and what transpired. 

Briefly what occurred - XX/XX/XXXX : Wife passed away. 
XXXX : Received J.C.Penney credit cards, one for me and the other for my wife. 
XXXX : Called J.C.Penney to have my wife removed from the joint account due to her passing. They said they did not need a death certificate as they have their own way to verify the death. They said wait 30-90 days. 
XX/XX/XXXX : I charged {$21.00} at J.C.Penney for a XXXX gift. 
Early XX/XX/XXXX : I tried to charge another purchase but the card was declined. I ran a credit check and found J.C.Penny showing an Adverse Account as charged off. Also, it showed I was deceased. I never received a billing statement for the {$21.00}. I was confused about this and what charged off meant. 
As the attached pdf 's will show, the deceased was corrected by the reporting agency, but charged off remained. Later, it read Paid in full/charged off, but still showed Adverse Account. My credit score dropped at least 100 points for something I had no control over, due to the fact J.C.Penny had me deceased instead of my wife. Perhaps that's why I never received a billing statement?

Hope this is enough info.
Consumer complaint received 2022-06-13
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX showing twice has violated my rights. XXXX should be removed from credit reports during the time the collection was paid in full and creditor agreed to remove from all 3 reporting agencies.

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
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: DISCOVER BANK (LA)

I have tried to get discover card to remove an account that is listed on my credit. It is not now, nor has it ever been my account. I have put more then the recommended amount of effort into it. I have at this time exhausted all resources, all abilities, and it is to no avail. Please help me get discover to remove this account that does not belong to me.
Consumer complaint received 2018-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Ok so I have been actively working on all 3 credit reports since XX/XX/XXXX to establish and correct any inaccuracies. I have had a terrible time getting things in order with the credit agencies. XXXX  has been a nightmare and complaints for them have been filed. XXXX has no score generated for my idenity. I think this is unfair reporting & caused me unfair credit opportunities un the FCRA. I have always paid my way in my XXXX years of life not knowing the importance of monitoring my credit as an adult. I did not feel the need to credit knowing the cash flow was keeping me stable. I'm older now and have been on XXXX since XXXX. I now have been enquiring of credit to help my life style. I am not getting an equal fair chance to establish revolving credit mainly because the agencies I have accounts with do not report to all three credit monitors. I have made requests for this to change and was denied. I'm getting XXXX per month to live on and can not do a deposit on credit that would take away from available money. I'm in need of possible credit to add to available funds that can be paid on the first with my one other expense I currently have. My lack of information should show in a good perspective that I'm responsible not to have exhausted my resourses by asking for to much credit. Is there anything that can be done that may give me a shot at fair credit chance? I dont care if the generated score is next to nothing I just do not think that by the FCRA and the fair equal credit opportunities this kinda treatment just does not fit the script as Fair! I'm confused how foriegn citizen 's that arrive here as adults can get fair credit chances with just submitting paper work even without a social.I 'm born in the USA & seem to be categorised as some kinda gamble to creditors for losses or gains. ( I read an article ) I hope our system is not set up to determine our financial history at birth by our given names and social security numbers. The credit agencies do business with our personal information across seas in the XXXX and that does not seem appropriate however we tolerate it. I'm sorry in advance but please help me get the 3 credit agencies to combine the good and the bad equal between the 3 agencies so I will generate a fair score to allow credit opportunities for once in my American life. Please? Thanks
Consumer complaint received 2022-06-13
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. (VA)

In accordance with the Fair Credit Act XXXX XXXX Acct # 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 an account without my written instructions.
Consumer complaint received 2022-06-13
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. (FL)

Ive sent multiple ftc reports to Equifax and they refuse to act.. Please see attached information The credit reporting agencies policy doesn't supersede federal law. 
The law says, in case of identity theft a consumer must provide a : I. FTC Identity Theft Report 2. Identification 3. Confirmation from the consumer that said accounts resulted from identity theft and that one doesn't assume or accept responsibility.

15 USC 1681C-2 ( A )
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

The [ cra ] is reporting my name incorrectly. The name the credit reporting agency is reporting is the XXXX XXXX XXXX name which is registered with the Commonwealth of Pennsylvania, However I XXXX, XXXX XXXX am the owner of that Trust account. 

Please correct your records to reflect my correct name I am a natural man [ XXXX, XXXX XXXX ] owner, and Interest holder. Attached i have provided document proof of my claim. 
I do not posess a " last name '' or " first name '' -- It is disrespectful to my ancestors to refer to them as as Last! 
Please do not ever disrespect my family, and update your records. 

15 U.S. Code 1681s-2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 2024-11-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Under the FCRA U.S.C. 15 1681i, transition has not updated or deleted my credit profile in the 30 days allotted by this law. I have requested directly and indirectly through the cfpb, to have them remove the errors on my report. They have taken no action and therefore I would like the cfpb to take action.
Consumer complaint received 2018-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/2018 I made a purchase of {$360.00} for some home flooring. The product was purchased from XXXX XXXX XXXX XXXX  ( on the credit card bill the charge appears under the name XXXX XXXX XXXX ) and I used my Bank of America credit card to make the transaction. The company ended up not having the product that I initially purchased so nothing was shipped to my home, therefore I cancelled the transaction/order with the company. The company would not reimburse me my funds and they advised me to call my credit card company to seek a reimbursement of the transaction. I called Bank of America credit card on XX/XX/18 to dispute the transaction. Bank of America informed me that they were going to investigate the situation and that I did not need to submit any documentation unless requested. They said that based on what occurred that they did not expect their to be problems with getting the transaction reimbursed. On XX/XX/18 I received a letter from Bank of America stating that I needed to submit supporting documentation for my claim by XX/XX/18 otherwise my dispute would be closed against me. Bank of Americas letter is datedXX/XX/18 and the post mark on the envelope for the letter is XX/XX/18. I did not receive the letter at my home until XX/XX/18 ( there was a long XXXX XXXX   weekend where the US mail did not operate ). It was impossible for me to respond to Bank of America because their request arrived at my home after their deadline. Immediately I spoke to Bank of America and informed them that their letter arrived late and I faxed them all of their requested documents and a copy of their envelope with the postmark of XX/XX/18. Bank of America sent me a letter stating that my dispute is closed because they did not receive the documentation on time. I called Bank of America again and they said they were not reopening the case because the documents did not arrive on time. I told them it was impossible for me to respond on time because their letter request arrived after their deadline. At this point Bank of America has refused to provide with further assistance and what they did in not providing me with sufficient time to respond to their request is truly and injustice and an abusive practice. I am attaching a copy of Bank of Americas letter, their post marked envelope, Bank of Americas billing statement, and a copy of the receipt from XXXX XXXX XXXX XXXX showing that they acknowledged that the transaction was cancelled and the product was never received by me. Thank you for your assistance.