davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (IL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-09-09
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)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal account opened at XXXX on under the account number ( private ), an auto loan account opened at XXXX XXXX on XXXX under the account number {$38000.00} ( private ), a personal car insurance account opened at Progressive {$790.00} under the account number ( private ), and a collections account opened at XXXX XXXX with a balance of {$800.00} ( private ) XXXX XXXX XXXX XXXX {$23000.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SUNRISE CREDIT SERVICES, INC (VA)

I have been the victim of identity theft, which has resulted in unauthorized and inaccurate information appearing on my credit report with XXXX, XXXX, and XXXX. Specifically, my personal identification information, including my Social Security number and other personal details, have been used without my consent. These unauthorized accounts and inquiries have severely impacted my creditworthiness and were reported by these agencies without proper verification or my authorization. Despite my requests for the removal of this information, XXXX, XXXX, and XXXX continue to maintain inaccurate information. I do not want a fraud alert placed on my account, but I am seeking the immediate deletion of the fraudulent accounts and inquiries.
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. (NY)

I am not liable and refuse to pay this debt with XXXX XXXX. I have no contract with XXXX XXXX XXXX in regards to account # XXXX. The information on my credit report is inaccurate and I demand that it be investigated and removed immediately to avoid further legal actions against all parties involved. I have no contract with XXXX XXXX XXXX, provide me with a signed contract between XXXX XXXX XXXX and XXXX, otherwise remove incorrect information.
Consumer complaint received 2024-10-07
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)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2022-03-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (PA)

They have repeatedly called. Asking for someone that is not even at the number. The number is a business number. They immediatley say the call is being recorded and when I ask them not to record, they wont. Which in Pennsylvania it is a crime, wire tapping, to record without permission or a warrant. They usually will not identify themselves or the company they are calling from.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Harvard Collections, LLC (FL)

I Recently Checked My Consumer Reports and found an Improper Usage of my credit from XXXX XXXX  XXXX XXXX XXXX which then Sold my information to Harvard Collection. Which is in violation of the FCRA in pursuant to 15 usc 1681b you never had permission to furnish any of my information to any credit reporting agency or collection company. I am demanding a deletion of this alleged debt at once. Below I attached a cease and desist and validation of debt letter.
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. ()

I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : 1. Account Name : XXXX XXXX XXXX Account Number : # XXXX Reason : This account is inaccurately reflected on my credit report. I recently reviewed it and found it only shows on my XXXX account. Please provide proof of the charge-off and either update the balance to {$0.00} or remove the negative payment status for this account. 

2.Account Name : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX Reason : This account is inaccurately reflected on my credit report. I recently reviewed it and found it only shows on my XXXX account. Please provide proof of the charge-off and either update the balance to {$0.00} or remove the negative payment status for this account.

3.Account Name : XXXX XXXX XXXX Account Number : # XXXX Reason : This account is inaccurately reflected on my credit report. I recently reviewed it and found it only shows on my Equifax account. Please provide proof of the charge-off and either update the balance to {$0.00} or remove the negative payment status for this account. 

These items are either reported incorrectly or have been resolved, and I request a thorough investigation and correction. Ive already reached out to the credit reporting agency and data furnisher, but the issue persists. Ive attached supporting documentation and screenshots of my credit report to highlight the inaccuracies and support my claim. Please address this matter promptly and update my credit report to ensure it reflects accurate information.
Consumer complaint received 2024-10-07
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: EQUIFAX, INC. (TX)

This is my third and final demand regarding the inaccurate and erroneous information you continue to report on my credit file despite multiple disputes. It has become apparent that the credit bureaus are deliberately ignoring its legal obligations under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ). 

XXXX XXXX XXXX XXXX XXXXXXXX - 15 USC 1681e ( b ) collections must be 100 % accurate across all three bureaus. I request validation under 15 U.S. Code 1692g- Validation of debts. 

XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX ( b ) collections must be 100 % accurate across all three bureaus. I request validation under 15 U.S. Code 1692g- Validation of debts. Your actions are in violation of FCRA Laws XXXX XXXX XXXX XXXX - 15 USC 1681e ( b ) collections must be 100 % accurate across all three bureaus. I request validation under 15 U.S. Code 1692g- Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> }, you may be liable for your willful non-compliance. 

XXXX XXXX XXXX XXXXXXXX - 15 USC 1681e ( b ) collections must be 100 % accurate across all three bureaus. I request validation under 15 U.S. Code 1692g- Validation of debts. Failing that, the items must be deleted from the report as soon as possible. 

XXXX XXXX - XXXX - 15 USC 1681e ( b ) collections must be 100 % accurate across all three bureaus. I request validation under 15 U.S. Code 1692g- Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  }, you may be liable for your willful non-compliance.
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. (VA)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-09-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: AutoNation Enterprises Incorporated (NV)

My down payment was only for the car not the loan! 
XXXX in financing did my paper work and it was not smooth XXXX call me multiple times for the down payment. XXXX who sold the car and the XXXX in financing told me two different price two different options with i was both time confused. My sown payment should not gone to loan. And also XXXX car salesman purchased car insurance without my consent. 
Please review the Autonation XXXX on XXXX XXXX.
Consumer complaint received 2024-10-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (IL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-10-07
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)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
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. (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15
U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
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. (NC)

My account with 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 in 60 days 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.

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 2024-09-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC (FL)

XXXX writing to formally complain about the actions of XXXX XXXX XXXX in relation to a debt they have re-reported on my credit report. Over a XXXX  ago, I had this debt removed from my credit report because it was the result of identity theft. Despite this, XXXX XXXX XXXX has recently reinserted the debt without notifying me or providing any form of verification. 
I am incredibly XXXX  and XXXX  by this situation. I worked hard to fix the damage to my credit after the identity theft, and XXXX appalled that this fraudulent debt is now back on my report. This has hurt my XXXX XXXX, caused me undue emotional XXXX, and negatively affected my ability to move forward financially. I shouldnt have to keep fighting to remove something that was already resolved. 
To make matters worse, I never received any notice that this debt was going to be added back to my credit report. The law says I should have been informed, but that didnt happen. They didnt verify the debt before re-reporting it, which is a clear violation of my rights under the Fair Credit Reporting ACT!! Not only is this debt inaccurate, but their handling of it is also unlawful.
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 called twXXXX weeks ago to check on why my XXXX XXXX XXXX  ( there are XXXX total ) are being duplicated when my mortgage lending company is pulling my credit report. They explained to me there was a problem in an internal system that caused the accounts to all duplicate but they were working to resolve the issue. I called AGAIN to put in an expedited request to fix the account issue and re-report.

My mortgage lender pulled my information today and it is still showing duplicated and incorrect accounts being reported by XXXX. This is an egregious error and it is preventing me from buying a house! 

I need this resolved ASAP. Theres no excuse for an error this big. My debt for my student loans is being reported at DOUBLE what it should be due to their error.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

According to the FCRA 15 U.S. Code 1681c2 - Block of information resulting from identity theft credit bureaus must block all fraudulent accounts that have been created through identity theft. 

Below Are the accounts and inquiries on my credit file that are fraudulent in nature and created through identity theft. 

XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX Inquiries XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection BureauXXXX  XXXX XXXX XXXX XXXX , D.C. XXXX CC : Consumer Financial Protection Bureau , CC : Attorney Generals Office CC : XXXX XXXX XXXX , CC : UNITED STATES CONGRESS CC : Federal Deposit Insurance Corporation , CC : Comptroller Of The Currency CC : Federal Reserve System, CC : Credit and insurance CC : Federal Trade COMMISSION
Consumer complaint received 2024-09-15
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: Pollack & Rosen, P.A. (FL)

XX/XX/XXXX, company has sent letter of debt without original signatures or documentation. Company has sent a letter threatening legal action. I would like to see all legal documents with original signatures, due to many fraudulent cases occuring recently.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Paramount Recovery Systems, L.P. (FL)

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 original creditor XXXX XXXX XXXX Account # XXXX, XXXX XXXX  A acct # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX. 
Account # XXXX, XXXX ACCOUNT # XXXX Has Violated my rights. 15 USC 1681 section 602 A. States i have the right to privacy. 15 USC 1681 section 602 A section 2 : it also states a consumer reporting agency CAN NOT furnish a account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

XXXX XXXXXXXX Last reported XX/XX/XXXX {$48000.00} Reported balance Highest balance {$57000.00} You've paid off 15 % of this loan OVERVIEW Highest balance {$57000.00} Monthly payment {$0.00} Opened XX/XX/XXXX ( 1 yrs, 8 mos ) Term 74 months ( 6 years ) PAYMENT HISTORY Last payment XX/XX/XXXX Payment status -- Worst payment status No Info ACCOUNT DETAILS Account status Closed Type Auto loan Responsibility Individual Remarks Repossession Times XX/XX/XXXX days late XXXX Closed XX/XX/XXXX CONTACT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX See a mistake ?

You have a right to fix it If the account 's not yours or the info 's wrong, we'll help you dispute it with XXXX. It w