davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-28
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)

The following accounts do not belong to me, I have contacted my police department and they have advised me that I file this report, the accounts in question are as follows : XXXX ) XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX ) Collection Management- XXXX {$1400.00} XX/XX/XXXX I have included my license and social, please verify any account that does not have my name and remove.
Consumer complaint received 2024-08-08
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. (NJ)

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  Account Number : XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> Equifax 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 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The following accounts do not belong to me, I have contacted my police department and they have advised me that I file this report, the accounts in question are as follows : XXXX ) XXXX  XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX ) Collection Management- XXXX {$1400.00} XX/XX/XXXX I have included my license and social, please verify any account that does not have my name and remove.
Consumer complaint received 2024-08-08
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 kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.
Consumer complaint received 2024-08-08
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)

Subject : Dispute of Fraudulent XXXX XXXX Account Reporting on My Credit Report Due to Equifax Data Breach Dear Equifax, I am writing to dispute a fraudulent XXXX XXXX account that is currently reporting on my credit report. I believe this account was opened as a result of the Equifax data breach, which compromised my personal information. This fraudulent account does not belong to me, and I request its immediate removal from my credit report. 

Details of the Disputed Account : Creditor Name : XXXX XXXX Date Reported : XX/XX/year> Reasons for Dispute : Fraudulent Account Due to Data Breach : The XXXX XXXX account listed on my credit report is fraudulent and was opened without my knowledge or consent. Given the timing and circumstances, I strongly believe this is a direct result of the Equifax data breach that compromised my personal information. 
Identity Theft : Under the Fair Credit Reporting Act ( FCRA ), Equifax is required to ensure the accuracy and verifiability of the information it reports. This account is a clear case of identity theft, and as such, it must be promptly removed. 
FCRA Section 605B Compliance : In accordance with Section 605B of the FCRA, I request the immediate blocking of this fraudulent account from my credit report. This provision allows for the removal of information resulting from identity theft when sufficient proof, such as a police report or an FTC Identity Theft Report, is provided. 

I request that Equifax take the following actions immediately : Investigate the Dispute : Conduct a thorough investigation of this dispute under the FCRA, and notify XXXX XXXX of the fraudulent account. 
Remove the Fraudulent Account : Permanently remove the fraudulent XXXX XXXX account from my credit report. 
Provide Confirmation : Provide me with written confirmation that this account has been removed and that any related negative entries have been deleted from my credit report. 
Given the severity of this issue, I expect a prompt resolution. Please contact me immediately if you require any additional information. 

Thank you for your attention to this matter. I look forward to your confirmation of the removal of this fraudulent account. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: M&T BANK CORPORATION (AL)

M & T bank holds the mortgage loan on my property. It had been in foreclosure several times over the past year due to my personal and financial hardships. I have been trying to work with bank for loan modification which has been approved; however attorneys representing mortgage company have been allowing realtors to show my home as if its for sale prior to a mortgage foreclosure sale when the home has not has Not been for clothes on the foreclosure sale has never taken place. 

This is still my private property and no one has a right to come on my private property and allow realtors to show my home when I own this property and no sale has taken place. I dont even know how they have access to my home who has a key who is allowing us to happen. No one has told me anything as to why this is taking place.
Consumer complaint received 2024-11-18
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. (CA)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-08-08
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. (CT)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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. XXXX XX/XX/year>
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/year> I sent XXXX, XXXX, and Transunion a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. They have not even attempted to let me know this matter is being worked on.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I am writing to formally dispute the validity of the collection account referenced above, which has been inaccurately reported on my credit report. Under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, I request that you investigate this matter and remove any erroneous information regarding this debt from my credit report.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NJ)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX - XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-08
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. (MI)

I am filing this complaint to address the persistent issue of inaccurate derogatory items and charge-offs reported on my credit profile by Equifax Information Services XXXX Despite my efforts to resolve these inaccuracies directly with the credit bureau, they have failed to correct or remove the erroneous information. My credit profile includes several charge-offs that are being inaccurately reported. These accounts are either not my responsibility or have been settled but remain incorrectly listed as charge-offs. There are additional derogatory marks on my credit profile that are outdated or unverifiable. These items have unfairly impacted my creditworthiness, livelihood and overall financial standing. I have previously disputed these inaccuracies with Equifax, providing supporting documentation to substantiate my claims. Despite my disputes, the derogatory items and charge-offs remain on my profile, indicating a failure to properly investigate and correct the inaccuracies as required by law. 15 U.S.C. 1681i - Procedure in Case of Disputed Accuracy : Under this section of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed information and correct or delete any information found to be inaccurate, incomplete, or unverifiable. 15 U.S.C. 1681c - Requirements Relating to Information Contained in Consumer Reports : This law stipulates the types of information that can not be included in consumer reports beyond certain time limits. Equity jurisprudence principles demand that wrongs be remedied and fairness maintained. Clean Hands Doctrine : This principle asserts that one who seeks equity must come with clean hands. My efforts to rectify my credit profile inaccuracies demonstrate my good faith and honest conduct, warranting equitable relief. The principle of subrogation allows me to step into the shoes of the creditor to rectify any inaccuracies. In this complaint I have provided a few federal cases to support my claims. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) : This case underscores the broad equitable powers of courts to ensure justice is served, including ordering remedies that ensure fairness and correct wrongs. XXXX v. XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) : This case established that creditors must ensure the accuracy of the information reported to credit bureaus. Failure to do so can result in damages awarded to the plaintiff for harm caused by inaccuracies. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This case highlighted the obligation of credit reporting agencies to conduct a reasonable investigation when a consumer disputes information. The court held that failure to conduct such an investigation could lead to liability for damages. 

Thank you for your assistance in resolving this matter.
Consumer complaint received 2024-08-08
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. (OR)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX XXXX, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-08-28
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)

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 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and
Consumer complaint received 2024-11-16
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ). the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) - 1002.142 ( b7 ) .| I have provided my photo ID along with the other required documents. 
I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. 
I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( XXXX )
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AK)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Experian Credit Agency XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom It May Concern : I recently received a copy of my Experian, XXXX, and XXXX Credit Report and I noticed that late payments from XXXX XXXX XXXXXXXX is still posted on my report : XXXX XXXX XXXX Account # XXXX. Your company is in clear violation of the law. Under 15 USC 1681B-permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( A ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a Consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give written instructions to furnish this account on my credit report. Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS-Except as provided in paragraph ( 3 ), the term consumer report Does not include- ( A ) Subject to section 1681S-3 of this title, any- ( I ) report containing information solely as to transaction or experiences between The consumer and the person making the report : DELETE this account from my consumer report. This agency is in violation of 15 USC 1681. Failure to respond satisfactorily with the deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character. 2. Negligent Enablement of Identity Fraud. 3. Fair Debt Collections Practices Act 15 USC 1692g violations. 4. Fair Credit Reporting Act 15 USC 1681 Violations for willful noncompliance 616. Civil liability for willful noncompliance-15 USC 1681n . Best Regards, XXXXXXXX XXXX
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My credit report is showing a collection account from a debt collector that I never gave permission signature to collect on this debt. The collection is from XXXX XXXX XXXX account # XXXX. I never received written notification about this debt so, I am also requesting debt validation, in this debt validation I am asking for a detailed list of history of payments, the signature I put on the contract guaranteeing that I pay this debt to them, I want to see proof that you have chain of title to collect on this debt according to U.S code 1692 this collection needs to be removed immediately. 

attached is my passport and driver 's licenses. Thank you.
Consumer complaint received 2024-08-08
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXXXXXX XXXX -INQUIRIES -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am writing to dispute the inaccurate and inconsistent reporting of my auto loan account with XXXX XXXX XXXX XXXX ( Account ending in XXXX ). I have repeatedly contacted both XXXX XXXX and your bureau to correct errors in the reporting of this account, but the inaccuracies persist. 


Specifically : 1. Discrepancies in Reporting Dates : The Last Reported dates differ across TransUnion, XXXX, and XXXX, showing a lack of consistent and accurate information. 

2. Inaccurate Late Payment : Despite making the final payment on XX/XX/year>, and having the account closed with a {$0.00} balance, a 30-day late payment continues to be reported erroneously. 

3. Recurring Issues : The account has been corrected in the past but continues to revert to inaccurate reporting, violating the Fair Credit Reporting Act ( FCRA ) requirement for data to be accurate and complete. 


The continued errors have caused significant harm to my credit score, affecting my financial opportunities. I am now requesting the full removal of this account from my credit report across all bureaus to resolve this issue permanently. 


Attached, you will find the following documentation to support my claim : Proof of the final payment made on XX/XX/year>. 

A copy of my credit report showing the inconsistent reporting. 




Under the FCRA, you are required to investigate and correct errors within 30 days. Given the ongoing inaccuracies and harm caused by this account, I trust you will act swiftly to remove this account from my credit report entirely. 


Please provide written confirmation once the account has been removed. I am happy to provide any additional documentation if needed. 


Thank you for your prompt attention to this matter.