davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-18
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. (MS)

I reviewed my Consumer Reports and noticed that there was an inaccurate accounts ) on my credit report ACCOUNT NAME : Account info Account name XXXX XXXX XXXX  XXXX Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment {$15.00} as of XX/XX/XXXX Monthly payment - Original balance {$1000.00} Highest balance - Terms 120 Months have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy.I contacted " THE COMPANY '' and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof. they havent resolved or provided any information that I asked for ( debt validation ). Account was paid they agree to remove and didnt. I call them they couldnt provide me with contract. Account information disputed by consumer ( doesnt requirement of the Fair Credit Reporting Act ).
Consumer complaint received 2024-08-18
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)

I am writing to dispute an inaccurate item on my credit report, which I have obtained from your bureau. I am requesting the removal of this negative item under my rights provided by the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1679c. 


Account Name XXXX XXXX Account Number # XXXX Reasons for Dispute : XXXX. Last Verified On XXXX the last date verified XX/XX/XXXX on XXXX XX/XX/XXXX and on Equifax XX/XX/XXXX XXXXDate of last Activity on XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX and on Equifax XX/XX/XXXX XXXXDate Reported on XXXX XX/XX/XXXX XXXX XX/XX/XXXX and on Equifax XX/XX/XXXX XXXXCredit Type on XXXX XXXX XXXX on XXXX XXXX XXXX XXXX  And on Equifax Auto Financing XXXXPayment Status on XXXX Paid or paying as agreed on XXXX Current was past due XXXX  days and Equifax Pays account as agreed XXXXAccount Type on XXXX Installment account on XXXX XXXX XXXX and on Equifax Installment 7.Late payments on XXXX XXXX and Equifax XXXX XXXX XXXX days late then XXXX XXXX XXXX days late XXXX XXXX XXXX XXXX  days late, XXXX XXXX XXXX days late and XXXX XXXX XXXX  days late According to 15 U.S. Code 1679c, I am entitled to a fair and accurate credit report. I believe this item is not accurately reflecting my credit history, and I am requesting that it be investigated and removed from my report. Please find attached supporting documents that substantiate my claim and clarify the inaccuracies. 

I would appreciate it if you could investigate this matter and remove the disputed item from my credit report if it is found to be incorrect. Please notify me of the outcome of your investigation as soon as possible, and provide me with a revised copy of my credit report reflecting any changes made.
Consumer complaint received 2024-08-18
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)

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 2024-09-12
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (GA)

tried to settle this in XXXX i was told that the account wasnt in bad standings but i was affected by XXXX XXXX at work! they failed to work with me, and still reports this account open and late every month since XXXX.
Consumer complaint received 2024-08-18
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. (HI)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-08-18
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: EQUIFAX, INC. (MI)

I looked at my report back on XX/XX/year> and noticed some things are incomplete and not accurate and according to the fair credit report act whenever consumer report agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates I sent a letter asking them to reinvestigate those accounts listed below XXXX XXXX XXXX XX/XX/year> open date is not reported correctly date last active of last payment is not correct this account is not accurate XXXX  XXXX XXXX  XX/XX/year> open date is not reported correctly date of last active of last payment is not correct this account is not accurate XXXX XXXX XXXX XX/XX/year> open date is not recorded correct date last active of last payment is not correct this account is not accurate
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

I am writing to formally address a serious issue regarding my account with you, which has led to severe inaccuracies and adverse effects on my credit report. The discrepancies and mishandling of my account have not only violated my rights under the Fair Credit Reporting Act ( FCRA ) but have also caused significant damage to my credit score. 

Background : In XX/XX/year>, my account with XXXX XXXX XXXX was subjected to fraudulent activity. Despite my prompt reporting of this fraud, XXXX XXXX XXXX failed to take appropriate action to rectify the situation. Instead, the following issues have arisen : Account Lock and Payment Reporting : XXXX XXXX XXXX locked my online access, which prevented me from viewing or managing my account. 
Despite this lock, you continued to report late payments and insisted on payment, despite the fraudulent nature of the charges. 
Inaccurate Reporting : My account balance was reported inaccurately as $ XXXX, which is a significant discrepancy given my credit limit was {$500.00}. This erroneous reporting is a clear violation of my rights under the FCRA, which mandates accurate reporting of credit information. 
The fraudulent balance and late payments have resulted in a drastic drop of XXXX points in my credit score across all three major credit bureaus : Equifax, XXXX, and XXXX. 
Harassment and Collection Actions : I have been receiving daily spam calls from an automated system, which constitutes harassment. 
My account has been erroneously placed into collections, further damaging my credit profile. 
Request for Rectification : I demand that ( XXXX XXXX XXXX ) address XXXX XXXX XXXX, XXXX XXXX, Missouri Remove all inaccuracies related to the fraudulent balance and late payments from my credit reports with Equifax, XXXX, and XXXX. 
Adjust the balance to reflect the correct credit limit and remove any erroneous late payment entries. 
Restore Online Access : Reinstate my online access to my account to enable me to manage and review it appropriately.

Cease Harassment : Stop all automated and unsolicited calls related to this matter.

Cease Collection Activities : Remove any collection status associated with this account from all credit bureaus. 
Failure to address these issues promptly and adequately will leave me with no choice but to pursue legal action to protect my rights. The inaccuracies in reporting and the harassment I have endured are clear violations of my civil rights and liberties. 

Please consider this letter a formal notice and demand for corrective action. I expect a response within 15 business days of receipt of this letter. 

Thank you for your prompt attention to this urgent matter
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

the accuracy of the pay status information being reported on my credit report in connection with my XXXX Credit Card account. The account in question is closed, yet there have been highly unusual changes to the pay status, which I believe are inaccurate and misleading, creditors are required to send periodic billing statements under :15 USC 1637 ( b ), Lack of Proper Notice and Disclosures : The details of the account are as follows and Inconsistent : Account Type : Credit Card Account Holder : XXXX XXXX Status : Closed Issue : Inconsistent and Inaccurate Pay Status Reporting on Closed Account Creditor : XXXX XXXX is highly irregular for the pay status on a closed account to undergo changes after the account has been closed. Once an account is closed, the pay status should remain consistent with the final payment made or the status at the time of closure. However, I have noticed that the pay status on this closed XXXX account has been modified or updated, which is not only unusual but also detrimental to the accuracy of my credit report. 

XXXXInconsistent Pay Status Reporting : The pay status has inexplicably changed on my XXXX, Equifax, and XXXX credit reports, which does not reflect my actual payment history or account status at the time the account was closed XXXX. Impact on Creditworthiness : These changes are misleading and negatively affect my creditworthiness by suggesting ongoing or recent issues with an account that was already closed and settled. This inaccurate reporting could adversely impact my ability to obtain credit or other financial services. 

Requested Action : I request that you conduct a thorough investigation into this matter and correct or remove the inaccurate pay status associated with this closed XXXX account. Please provide me with the results of your investigation, including any supporting documentation that was used to verify the information. If the accuracy of the information can not be confirmed, I request that this account 's pay status be updated to reflect its accurate and final status at the time of closure. 

This letter serves as a formal complaint under the Fair Credit Reporting Act ( FCRA ). I expect a prompt and thorough investigation, as well as a timely response within the statutory period allowed under the FCRA.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I have found a number of inaccuracies on my report. This company is still posting information that is almost XXXX years old. XXXX XXXX is a charge off which is considered income and is well over XXXX  years and should be removed from my account immediately.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (SC)

I just recently looked at my credit report on XX/XX/XXXX. I saw some hard inquiries that did not have a permissible purpose. I also attached evidence. 

The following list of inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The inquiries listed have no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b.
Consumer complaint received 2024-08-18
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 reviewed my consumer reports and noticed that I had XXXX late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for this account. I have included a screenshot inside this complaint in on dates of XX/XX/year>, and XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments to be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached.
Consumer complaint received 2024-08-18
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. (GA)

Equifax has allowed DEPT OF EDUCATIONXXXX to report my account 150 days late, but this account is incorrectly reporting that I have 7 late payments. On my XXXX report there are 0 late payments being reported. I would assume it is impossible to report an account to have 7 late payments and 0 late payments with the came creditor for the same dates. With it being late on Equifax but zero late payments on XXXX. The error is illegal and unethical equifax failed to an investigation. DEPT OF EDUCATION/XXXX failed XXXX perform an investigation. The incorrect late payments has been damaging to me. Remove incorrect accounts immediately. I called DEPT OF EDUCATIONXXXX representative confirmed that the late payment was incorrect she stated it will be updated, but it has not yet been updated.
Consumer complaint received 2024-08-18
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 have been a victim of identity theft. My perfsonal information has been used to obtain goods and services. I contacted EQUIFAX and told them that this inquiries are fradulent and provided proof, even though told me that this inquiries were verifed. Please dispute and remove this fradulent inquiries from my credit report XXXX  XXXX XX/XX/XXXX. XXXX  XXXX XXXX  XX/XX/XXXX XXXX
Consumer complaint received 2024-08-18
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. (MD)

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 2024-08-18
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. (AL)

I am writing to file a formal complaint regarding fraudulent inquiries on my credit report. Upon reviewing my credit report, I discovered several inquiries that I do not recognize and believe to be the result of fraudulent activity. The unauthorized inquiries have significantly impacted my credit score and have raised concerns about potential identity theft. I have attached a copy of my credit report highlighting the unauthorized inquiries for your reference. The unauthorized inquiries have significantly impacted my credit score and have raised concerns about potential identity theft. I have attached a copy of my credit report highlighting the unauthorized inquiries for your reference.
Consumer complaint received 2024-08-25
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. (NY)

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 Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-08-18
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-09-28
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. (TX)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.