davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I am XXXX and was forced to retire for a medical condition, I talked to Capitol Ones Collection Attorney, told him the reduced payment that I could afford living on Social Security and a small pension, he said his client, Capitol One would accept a lump sum, I don't have any sum in savings or checking. They continued to sue me in court, I have had documents about a court XXXX hearing 3 times now, then every week or so Capitol One sends me information about my credit score ... I'm old and I can't take the mental anquish. My car has a 4 year note still, my name is on a home owing XXXX dollars that was discharged in a bankruptcy, that my ex husband pays for. We have a verbal agreement I take care of the house, but it's his. I had to file with you, my stomach is in knots, this company is always reminding me about my credit score. I tried to pay a reduced payment that I could afford, they wouldn't accept that. Please help, I have to save for a year to get the XXXX dollars to file a XXXX XXXX, thats the attorneys cost. I get a total of XXXX a month to live onm
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

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 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.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

To Whom It May Concern, I am extremely disappointed that inaccurate information has been included in my credit report. The Fair Credit Reporting Act gives me the right to dispute any such information, and I demand that this be rectified as soon as possible. I understand that creditors are required to document and validate the data in my credit report before using it. I find it unacceptable that allegations of delinquency and derogatoriness against me have been made, which are completely false. I will fight back with all my strength, but I need evidence that supports the negative status of my accounts. I request that you provide proof of a permissible purpose for the inquiry or account within my report. 

Listed below are the Accounts that are being challenged : XXXX XXXX XXXXXXXX - XXXX This is also completely inaccurate. - This is paid as agreed and should not be reported negatively on my report.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-25
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. (AL)

I have identified inaccurate information on my credit report, which has been wrongfully verified by XXXX, XXXX, and Equifax as accurate, despite prior disputes. The continued reporting of this incorrect information is damaging and unjustified. I have included attached documentation that clearly disproves the information being reported.

This failure to correct the inaccuracies violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 and 623 ( b ), which mandate that credit bureaus and furnishers ensure the accuracy and integrity of the data they report.

Given this evidence, I am requesting the immediate removal of the inaccurate information from my credit report. The ongoing failure to correct these mistakes is unacceptable and must be resolved in compliance with the FCRA.
Consumer complaint received 2024-10-07
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)

I became aware of several fraudulent accounts appearing on my credit reports, which I did not open or authorize. These accounts, including auto loans, credit cards, rental charges, and collections, were established using my identity without my consent. 

I promptly reported the identity theft to the Federal Trade Commission ( FTC ) and have filed identity theft reports with both the FTC and relevant law enforcement agencies. The fraudulent activity includes the following types of accounts : Fraudulent auto loans reported since XX/XX/XXXX Fraudulent rental charges reported since XX/XX/XXXX Fraudulent credit card accounts opened between XXXX and XXXX Incorrect collection accounts reported as unpaid Despite multiple disputes with the credit reporting agencies, including requests for removal and verification, the accounts remain on my report. These inaccuracies have continued to harm my credit and financial standing. 

I am seeking an immediate investigation, validation, and removal of these fraudulent accounts under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, to ensure my credit report accurately reflects my financial activity.
Consumer complaint received 2024-10-07
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)

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 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

I am writing to formally dispute the accuracy of certain items on my credit report, which remain unverified despite several attempts to resolve the issue. These items have been inaccurately reported, yet they continue to appear as " accurate '' without any valid proof from the vendors involved. I demand that these items be removed immediately, as required by federal law. A copy of this letter has been sent to the Consumer Financial Protection Bureau ( CFPB ) for further review. 
Account Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 12 CFR 1006.34 and 15 U.S. Code 1692 ( c ), I am entitled to have any debt or credit obligation verified, including the requirement that the creditor provide sufficient documentation of my signature or other binding proof that I have entered into the alleged agreement. To date, neither the credit bureau nor the reporting vendors have provided this documentation, which is a violation of my rights.

Additionally, 15 U.S. Code 1681g gives me the right to access all the information being reported about me and to receive an explanation of the sources and details of this data. Despite multiple requests, I have not been provided with such documentation for the disputed items, which further supports my claim that these items are not valid.

The continued reporting of these unverified and incorrect items on my credit report has caused significant financial and emotional distress. These errors have negatively affected my credit score, harmed my ability to secure financial services, and caused unnecessary stress in my life. These items must be removed immediately to prevent further damage.

I am requesting the following actions : 1. The immediate removal of the unverified and inaccurate items from my credit report.

2. A written confirmation of the removal within 30 days of receipt of this letter.

3. A thorough review of your procedures to ensure future compliance with federal laws governing credit reporting.

Should you fail to take the necessary action, I am prepared to pursue further legal remedies, including enforcement through the CFPB, to protect my rights. 
I appreciate your prompt attention to this matter and look forward to a swift resolution.
Consumer complaint received 2024-10-07
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 recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-10-07
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. (FL)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have tried correcting this issue but my balance is continuously being reported incorrectly. On XX/XX/2023 there was an update which says {$100000.00} which is not my balance. It previously said {$76000.00} which i have been trying to correct. Some of my loans has been discharged. The balances on both XXXX as well as studentaid.gov says {$30000.00}. This needs to be corrected.
Consumer complaint received 2023-04-24
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. (CA)

Good day!! 
EXPERIAN It's obligated by the FCRA to report accurate accounting, consumer has advised ALL inquiries reported was fraud. said company had 4 days to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting EXPERIAN To provide the documentation used to determine inquiry was indeed authorized by consumer EXPERIAN has 10 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is Not asking for an- e-oscar report. if EXPERIAN does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. EXPERIAN Commission file number XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX New York XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  New York XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX i will be filing form 211 treasury omb forms to audit consumers account. EXPERIAN and securitizing commerce data yet refuse provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Consumer complaint received 2022-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Neon Newco Corporation (CA)

On XX/XX/2022 i received a phone call from the fraud department of Netspend calling to verify if the person given access to my account that morning was me. the number of the person pretending to be me was a XXXX area code -i am XXXX I let them know quickly that it was not me and then the representative asked me to verify my identification particulars and then proceeded to argue with me for the next 45 minutes that morning at XXXX  somebody called pretending to be me but given access to my account and the solution that's been came up with was to close all of my accounts because my information had been hacked and accessed two other accounts and money was being transferred back and forth which was not made by me and all of my accounts with them have been closed and I have no access to any of the funds that were already in the accounts on top of the funds that were taken out of the accounts that were unauthorized and fraudulent they will not let me access my statements they will not let me access any of the information to my accounts I'm never allowed to bank with them again and I tried to remind the lady that they called me not the other way around and now they refused to help or illuminate me on the matter or even inform me on how I'm going to get the funds that were in the balance of these accounts
Consumer complaint received 2023-08-21
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 just checked my credit report and notice some inquiries that I didn't recognize. I believe I was a victim of fraud. I am distress and this matter as affected me from getting access to different forms of credit. Please help me to delete this fraudulent activity in my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

My account with Equifax 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. 


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. 


Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-10-07
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. (SC)

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 : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : # XXXX, has violated my rights. 


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 2024-10-07
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. (IA)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I have had XXXX late payments on an account that I was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( XXXX, XX/XX/2020 ) importantly this company is no longer in service. I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified, I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Updating My Personal Information To whom it may concern, I recently reviewed a copy of my credit report and noticed outdated, inaccurate personal information on my profile. I need to update my personal information in your records. I want to make sure my credit report has the correct details. Here are my ONLY personal details that should be on my credit profile : My correct name is : XXXX XXXX XXXX XXXX Date of Birth : XXXX Social Security Number : XXXX Current Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone Number : XXXX Email Address : XXXX Employer : XXXXXXXX XXXX XXXX XXXXXXXX Please update this information in your system and DELETE/REMOVE all other information. It's really important to have accurate personal information for my financial profile. I've included copies of some documents that prove my updated information : Please process this update as soon as possible and send me written confirmation once it's done. If there's anything else I need to do or provide, please let me know. If you have any questions or need more information, please reach out to me at the phone number or email address provided. I appreciate your help and hope we can resolve this quickly. Thank you! 



Yours sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OK)

XXXX, XXXX, and equifax is allowing these credit card lenders to submit payment status over and over within a month time. I dispute it and it's denied. You can only submit 1 time a month when I fail to make payments. My score has dropped XXXX plus due to this and the companies are sending the reports not at once but multiple times on multiple days to each bureau