davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-20
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)

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 three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-09-04
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. (AZ)

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 XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-09
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 filing this FTC Identity Theft Affidavit to XXXX XXXX Equifax and XXXX this Fraudulent acct appearing on my XXXX Consumer Credit Report which I do not recognize as reported and is a Result of Identity theft and Fraud this is Fraudulent account opened at XXXX XXXX date XX/XX/year> acct XXXX this acct resulted in a Charge Off on my Credit Report I demand that the Fraudulent Item b removed from each of my Consumer Credit Reports Pursuant to my Rights within the FCRA and FDCPA
Consumer complaint received 2024-09-20
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 have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-10-09
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)

Equifax, XXXX, and XXXX have my XXXX XXXX XXXX account as a Charge-Off which is certificate of indebtedness. Its now income and it needs to be removed. Which is a violation of my privacy rights under 1974. 

Date : XX/XX/XXXX Amount : {$15000.00}
Consumer complaint received 2024-09-20
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)

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I disputed several inaccurate and unverifiable accounts with Equifax, including a mortgage with XXXXXXXX XXXX, a credit card with XXXX, and a derogatory account from XXXX XXXX XXXXXXXX XXXX which were reported incorrectly as late, open with a {$0.00} balance, or charged off. These inaccuracies violate the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to ensure maximum possible accuracy in the information they report.

After multiple dispute letters to Equifax, I requested that they provide the method of verification for each disputed account under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), and the business name and contact information of the entities that furnished the disputed information as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ). Equifax failed to comply with this requirement and continued reporting the erroneous information without proper investigation.

Despite my evidence proving the inaccuracies of these accounts, Equifax failed to remove or correct them. Their actions ( or inactions ) violate their duty to conduct a reasonable investigation under 15 U.S.C. 1681s-2 ( b ), which requires furnishers to conduct a proper investigation and correct or delete inaccurate information once a consumer dispute is submitted. 

Examples include : XXXX XXXX XXXX : Listed as XXXX days late with inconsistent last reported dates across bureaus. This violates FCRA 1681e ( b ) and 1681i ( a ) ( 5 ), which mandates the deletion of unverifiable information. 
2. XXXX Credit Card : Incorrectly listed as open with a {$0.00} balance and inconsistent activity dates, violating the accuracy requirements under FCRA 1681e ( b ). 
3. XXXX XXXX XXXX : Reported as derogatory and charged off, yet no final resolution to the dispute is reflected, violating FCRA 1681s-2 ( b ).

Equifaxs refusal to remove these accounts despite their inability to properly verify the information as required by law continues to harm my credit score. Equifaxs failure to perform a thorough investigation is a violation of their responsibilities under XXXX XXXX XXXX XXXX XXXX, 115 F.3d 220 ( 3d Cir. 1997 ), which requires credit reporting agencies to go beyond superficial checks and conduct a meaningful investigation when provided with substantial evidence of inaccuracies
Consumer complaint received 2024-11-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I am the XXXX over an estate account that I set up at Bank of America, on the day of XX/XX/year> I sent a wire to my personal account at XXXX XXXX XXXX XXXX from the estate account at Bank of America. The wire cleared on XX/XX/year> and the day after I went to withdraw money at XXXX XXXX XXXX XXXX branch where they discriminated against me and locked my personal account that has now been locked for an Entire Week! Every time I call XXXX XXXX they are saying that all they have been waiting on is Bank of America to send a SERVICE REQUEST MESSAGE To them ( XXXX XXXX XXXX XXXX ) for a week now and BANK OF AMERICA TO THIS DAY XX/XX/year> STILL HAS NOT SENT THEM THAT INFORMATION SO THAT XXXX XXXX CAN RELEASE MY FUNDS AND UNLOCK MY ACCOUNT! I feel like every time I call BANK OF AMERICA, I'm not being heard, they shove me to the side, give me incorrect information and has even lied to me just to get me off the phone. THEY HAVE SERIOUSLY DROPPED THE BALL AND I DEMAND TO GET RESULTS IMMEDIATLY! I HAVE BILLS THAT ARE NOW PAST DUE AND AT RISK OF GOING TO COLLECTIONS BECAUSE IT HAS TAKEN THEM MORE THAN A WEEK TO SEND XXXX XXXX A SIMPLE SERVICE CONFORMATION MESSAGE SO THAT XXXX XXXX CAN UNLOCK MY ACCOUNT!! THIS IS UNACCEPTABLE!!!
Consumer complaint received 2024-10-09
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. (TX)

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ever 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 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never XXXX the periodic statement along with the disclosures from section XXXX ( 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 2024-09-20
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-20
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. (GA)

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 Number : XXXX and list of Inquiries. 

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 2024-10-08
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. (FL)

Hi Equifax, THIS IS THE SECOND TIME I REQUEST TO DELETE THOSE 8 FRAUD INQUIRIES FROM MY CREDIT REPORT. 
I NEVER APPLY OR DO BUSINESS TO ANY OF THOSE FRAUD INQUIRIES AND I CALLED EACH OF THEM BUT I WAS TOLD THEY DO NOT HAVE MY NAME ON THEIR SYSTEMS. 

THOSE FRAUD INQUIRIES BELOW SHALL DELETE FROM MY CREDIT REPORT BY LAW. 


XXXX XXXX inquiry date : XX/XX/year> XXXX Dealer Service inquiry date : XX/XX/year> XXXX XXXX XXXX inquiry date : XX/XX/year> XXXX XXXX inquiry date : XX/XX/year> XXXX XXXX XXXX inquiry date : XX/XX/year> XXXX XXXX XXXX inquiry date : XX/XX/year> XXXX XXXX inquiry date : inquiry date : XX/XX/year> XXXX XXXXXXXX XXXX XXXXXXXX, inquiry date : XX/XX/year>
Consumer complaint received 2024-09-20
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. (FL)

Recently, I did an investigation on my credit report and found several items in there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ). In general if, 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 shalli ) 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. 


Please remove the following items from my credit report, immediately : Accounts : XXXX. XXXX XXXX XXXX  FL XXXX - Reference numberXXXX XXXX- This account is being reported inaccurately, please remove this from my credit report immediately. 
Inquiries : XXXX. XXXX XXXX  XXXX This inquiry was not authorized, please remove it from my credit report immediately. 
XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX - This inquiry was not authorized, please remove it from my credit report immediately. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX - This inquiry was not authorized, please remove it from my credit report immediately. 
XXXX. XXXX XXXX XXXX  XX/XX/XXXX - This inquiry was not authorized, please remove it from my credit report immediately. 





XXXX. XXXX XXXX - This inquiry was not authorized, please remove it from my credit report immediately. 
XXXX. XXXX, XXXX XXXX This inquiry was not authorized, please remove it from my credit report immediately. 
XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX This inquiry was not authorized, please remove it from my credit report immediately. 
XXXX. XXXX XXXX XX/XX/XXXX - This inquiry was not authorized, please remove it from my credit report immediately. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX- This inquiry was not authorized, please remove it from my credit report immediately. 
XXXX. XXXX XXXX XX/XX/XXXX XXXX This inquiry was not authorized, please remove it from my credit report immediately.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I am writing to urgently address a serious issue regarding my credit report with Equifax. Despite multiple attempts to unlock my credit reports by providing all requested information, Equifax has repeatedly refused to resolve this matter. This ongoing denial has severely impacted my ability to access essential financial services and has caused undue stress. 

I have followed Equifax 's procedures meticulously, submitting all necessary documents as requested. However, their failure to unlock my credit reports persists without explanation or resolution. This situation requires immediate intervention to rectify the issue and ensure compliance with consumer rights. 

I kindly request your immediate assistance in unlocking my credit reports with Equifax. I am prepared to provide any additional information or documentation necessary to expedite this process. Please treat this matter with the urgency it deserves and keep me informed of any developments. 

Thank you for your prompt attention to this critical issue.
Consumer complaint received 2023-09-20
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NJ)

Earlier on tis year my bank account was hacked and XXXX was taken out, during that time my bank account was frozen. 

I notified CitiCards of the issue and they advised that it was ok. Eventully I got the funds back and my account was brought up to date a short time later. 

Citi Cards has closed my account. I object.
Consumer complaint received 2023-08-15
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: EQUIFAX, INC. (NV)

On XX/XX/2023 I received a response from XXXX whom I filed a dispute in regards to my consumer credit report with XXXX. This was a response to a previous dispute about an unauthorized unknown and fraudulent account on my XXXX report. XXXX responded with a generic response stating the item was verified and will remain with no verification or documentation. A consumer credit reporting agency, XXXX is subject to the Fair Credit Reporting Act also known as FCRA. 

The item I disputed multiple times in writing is XXXX XXXX  personal loan XXXX. I sent multiple disputes including in XXXX, XX/XX/2023 stating this account was unauthorized and fraudulent. I asked for written proof documentation in writing including original signatures showing this account was authorized. Section 602 of the FCRA allows a consumer to request proof and verification of the investigation and documentation. In writing with original signatures for a disputed item to remain on a consumers report. I requested this multiple times from XXXX 

XXXX has failed to provide any proof of any investigation, failed to provide written signatures on original documents as required by Section 602 of the FCRA. Due to the failure to provide the requested and required written documentation and signatures I am requesting that XXXX remove without any delay the XXXX XXXX  personal loan item.