davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-14
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. (CA)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non- complying with the FCRA . Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-14
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. (IL)

Addresses : XXXX XXXX XXXX XXXX XXXX, IL XXXX Inquiry : XXXX XXXX XXXX Accounts : XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX, {$1400.00} XXXX XXXX XXXX, {$91.00} XXXX XXXX XXXX, {$2100.00} XXXX XXXX XXXX, {$1100.00} At XXXX XXXX, {$4600.00} XXXX XXXX XXXX, {$130.00} XXXX XXXX Co, {$84.00} XXXX XXXX XXXX, {$360.00} XXXX XXXX, {$1100.00} XXXX XXXX {$2500.00XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXXClosed XXXX {$1000.00} XXXX, {$330.00} XXXX XXXX, {$770.00} XXXX XXXX {$740.00} XXXX XXXXXXXX XXXX XXXX {$1600.00} XXXXXXXX XXXX XXXX {$2200.00XXXX XXXX XXXX XXXX XXXX, {$670.00} XXXX XXXX {$350.00XXXX XXXX XXXXClosed XXXX {$190.00} XXXX XXXXXXXX XXXX XXXX XXXX {$710.00} I looked at my credit report XXXX XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

AND according to 15 USC 1681s-2 they are suppose to 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 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

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 2024-10-14
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-14
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)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 
In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 
Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 
Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 
Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. 
They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-26
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: Experian Information Solutions Inc. (TN)

This account was charged off on the following date ( XXXX ). Since then the account has been repeatedly updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations as you are re-aging my account. Re-aging collection accounts without permission is not a legal practice and is prohibited by the Fair Debt Collection Practices Act and therefore I am demanding that you delete this account immediately. 
Account info : Account name XXXX Account number XXXX
Consumer complaint received 2024-10-14
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. (TX)

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 2024-10-13
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. (LA)

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. 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 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2021-04-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

To Whom It May Concern : My son, XXXX XXXX XXXX, invested {$150.00} in XXXX through a company called Coinbase. He had told me about this approximately two years ago. However, I never much thought about it. My son died XX/XX/XXXX, of XXXX and his fraternity brothers reminded of this investment. They found the app on his phone and since I had closed both his checking and savings accounts, they attached my checking account to the Coinbase account. When they tried to transfer the funds into my account, it didn't work. 

I contacted Coinbase by email and they responded on XX/XX/XXXX and told me the docs I'd need to upload and I uploaded everything successfully on XX/XX/XXXX. then I waited to hear from them and after four weeks I tried to contact them. Now, I thought it was strange that they didn't have a direct phone line, so on XX/XX/XXXX, I emailed them, only to discover that they had XXXX their direct email. I also emailed their customer support and got no response. I uploaded the docs again on XX/XX/XXXX, to https : XXXX. I told them I wanted my son 's money transferred by wire or they could issue a bank draft. No response. They have an address in XXXX XXXX, but I didn't write there as I thought it would be useless because they're not responding to me anymore. 

I contacted the XXXX. and XXXX XXXX XXXX suggested I contact your agency also. My son 's account appears to be open, eventhough it seems to fluctuate quite rapidly. I don't know what to think since I can get no response from Coinbase, but I'm very suspicious of this company. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-09-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Consumer complaint received 2024-09-26
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. (GA)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-09-26
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: Experian Information Solutions Inc. (TN)

This account was charged off on the following date XXXX XXXXXXXX XXXX. Since then the account has repeatedly been updated as charged off every month. This is an update of in the payment history. A charged off account should NOT include and active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my consumer rights. I am demanding a deletion of the following account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-13
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)

I was a victim of ID Theft in the past and was made aware of it. I pulled my credit report and noticed unauthorized accounts on 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 XXXXXXXX
Consumer complaint received 2021-04-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account on XXXX XX/XX/2021 for no reason and will not help me getting it back up and going. It has XXXX dollars. I am not sure if this is some type of mistake as I assume it has to be. I have not been able to get help despite my effort to provide all the documented details of what they requested to solve the issue, and so I remembered I can file a report here as I feel that the company is not doing its job properly. Their final decision of me withdrawing my money after 180 days is really affecting me a great deal since I use PayPal to conduct my business which keeps me going in life. The email that is linked to my pay pal is XXXX XXXX
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

I am contacting you for the second time regarding inaccurate information in my credit report provided by Experian. Specifically, I am referring to XXXX XXXX XXXX, XXXX, which reflects late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, They are incorrect. I have compared this information with other credit reports, such as XXXX, which does not show these late payments and instead reflects a correct payment history. I have attached evidence of this discrepancy, which indicates that Experian is violating my rights under the Fair Credit Reporting Act ( FCRA ). Specific Violations of the FCRA : 1. Section 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] : This section requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of consumer report information. The inconsistency between Experian and XXXX clearly demonstrates a violation of this provision. 2. Section 611 ( a ) [ 15 U.S.C. 1681i ] : After I previously submitted a dispute regarding this account, Experian says he provided me with the results which is not true, he never provided me with the results of the investigation, without conducting a proper investigation. This suggests no meaningful action was taken, violating my rights under this section. 3. Section 623 ( a ) ( 1 ) [ 15 U.S.C. 1681s-2 ( a ) ] : This section prohibits the reporting of information that a data furnisher knows or has reasonable cause to believe is inaccurate. Since other agencies are not reporting these late payments, it raises serious concerns about the legitimacy of the data currently being reported by Experian. I formally request that this inaccurate information be corrected immediately. If these late payments can not be verified with valid evidence, they must be removed from my credit report. I appreciate your prompt attention to this matter and expect that the necessary corrective actions will be taken.
Consumer complaint received 2024-10-14
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. (TX)

Please be aware that some false information that has been mistakenly validated as accurate appears on my credit record. No changes have been done, even though I've given proof that shows the information is false. 

This is against the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. Section 1681i, which requires credit reporting companies to look into and fix mistakes. I want this situation looked into again right away, and I want the false information removed.
Consumer complaint received 2024-10-14
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. (MS)

I am writing because I want to formally request the removal of specific accounts from my credit reports that are reported by all three credit bureaus ( XXXX, Equifax, and XXXX ), because these accounts were included without my express written permission. According to 15 U.S. Code 1681b, consumer reporting agencies may only furnish a consumer report under certain conditions, including having the consumer 's explicit authorization or consent. I did not provide such authorization or consent for the inclusion of these accounts listed on my credit report. 

The following accounts should be removed immediately : XXXXXXXX XXXX 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 I respectfully ask that these accounts be removed promptly to comply with federal law. Please provide confirmation that these accounts have been deleted from my credit reports.
Consumer complaint received 2024-09-26
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. (AZ)

I am reaching out for your help regarding the account inaccurately reported on my credit report. This issue has been harmful to my reputation, and I need your support. The way my credit report has been treated has left me in a difficult position, as the incorrect reporting has damaged my reputation. You need to clear this misleading information from my credit report.
Consumer complaint received 2024-10-14
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. (NV)

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.