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

Equifax, XXXX XXXX account XXXX Delete this account for violation because the date last reported is XX/XX/XXXX for XXXX, XX/XX/XXXX for XXXX, and XX/XX/XXXX for Equifax. 



XXXX Bank account XXXX - Delete this account for violation because the date last reported is XX/XX/XXXX for XXXX, XX/XX/XXXX for XXXX, and XX/XX/XXXX for Equifax. 



XXXX Bank account XXXX - Delete this account for violation because the date last reported is XX/XX/XXXX for XXXX, XX/XX/XXXX for XXXX, and XX/XX/XXXX for Equifax. 



XXXX XXXX XXXX account XXXX Delete this account for violation because the date last active is XX/XX/XXXX for XXXX XXXX XX/XX/XXXX for XXXX, and XX/XX/XXXX for Equifax
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. (MO)

Discovering an error implying a late payment on my account is troubling, especially given my history of consistently meeting payment deadlines. This discrepancy is causing undue stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.
Consumer complaint received 2019-06-03
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Outsource Group, Inc (VA)

The problem is that the company has reported these medical bills to the credit bureaus, which I thought was illegal at one time. IF their action is still illegal, then I would like the negative account/remarks removed from my credit reports ( XXXX, XXXX, and XXXX ). If not illegal, then ok. I have already called them and made a payment arrangement with them ; however, as before stated, I am questioning the legality of the reporting of the matter to the credit bureaus, with the result that this is showing up on my credit reports as a negative account and is adversely affecting my credit scores. I would like this matter to be resolved. Please advise, and thanks.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-14
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. (IL)

I have spoken with numerous agents about Equifax not reporting accurate updated information on my report and nothing has been done. This has become very very frustrating. This has prevented me from being able to purchase anything because they are not report accurately. I have not been able to receive an accurate report since XXXX  of XXXX. I have spoken to supervisors nothing has been done. Ive submitted every updated document to them and still have gotten no where. They claim to not have received anything which is a lie. Something needs to be done.
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. (IL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
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. (AR)

I DID NOT CONSENT TO THE FURNISHING OF THE LISTED ITEMS. PLEASE PROVIDE PROOF THAT I GAVE CONSENT TO LIST ON MY CREDIT REPORT OR REMOVE IMMEDIATELY
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I trust this message finds you well. I am writing to express my deep frustration and dissatisfaction with the ongoing challenges I am facing in removing inaccurate items from my credit file, despite numerous attempts to delete this issue. 
I have diligently reported and disputed inaccuracies on my credit file with 3 Credit Bureaus. Regrettably, despite my persistent efforts, these inaccurate entries persist, negatively affecting my creditworthiness and causing significant stress. 

I have submitted detailed disputes on the following dates. Each time, I provided supporting documentation and clarification to rectify the inaccuracies. However, to my dismay, the deletions have not been implemented, and the inaccuracies continue to tarnish my credit history. 

I understand the importance of accuracy in credit reporting and the need for a thorough investigation. However, the prolonged presence of these inaccuracies is both perplexing and damaging to my financial well-being. 

I urge you to escalate this matter and conduct a comprehensive review of the inaccuracies on my credit file. I have made consistent efforts to provide the necessary information for a thorough investigation, and I believe a prompt resolution is crucial. 

It is my expectation that Credit Bureaus takes immediate and effective action to correct these inaccuracies. I request clear communication regarding the steps being taken to address this issue and insist on receiving a specific timeline for the removal of the inaccurate items from my credit file. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX AM XXXX Balance Owed : {$0.00} XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference XXXX : XXXX PREMIUM XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX
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. (NV)

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 2017-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (PA)

I submitted a dispute to Equifax on  XXXX   XXXX ,  2017    to have an incorrect and unverified bankruptcy that is on my credit report removed. I have disputed this inaccurate information that is on my Equifax credit report time and time again. It can not be verified, it is not my account and is inaccurate. It is now pass the 30 day mark for investigation disputes and pass 45 days. I demand that Equifax remove this record from my report immediately.
Consumer complaint received 2019-08-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Jacob Law Group, PLLC (MS)

I had a debt with XXXX. They close this debt in 2017. I haven't had any type of communication or notices about this debt until all of a sudden my wages had been garnished by Jacob Law Group based in XXXX Mississippi. They were very rude and unprofessional. I called to talk to them and they had very foul attitudes. They got snappy with me for asking questions. Even abruptly hanging up on me. I called back to complain about how I was treated during that call, again the same thing, foul attitude and abruptly hung up from me. I wanted to know which court they filed their claim with and why I was not notified about this beforehand. I had no idea what happened with my money until I looked at my pay stub deductions. There is where I saw the name Jacob Law Group. I XXXX this business to get a number to contact them which only delivered snappy remarks. I still have no idea where this was all done nor why I have nothing in writing on this matter.
Consumer complaint received 2019-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

THE DISPUTED ACCOUNT DOES NOT BELONG TO ME, I HAVE NO KNOWLEDGE OF THIS ACCOUNT AND IT HAS CAUSED SERIOUS DAMAGE TO MY CREDIT REPORT, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE IT REMOVED OFF MY CREDIT FILE.
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. (IN)

( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Cosumer Date of Birth : ( XX/XX/1987 ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 XXXX Separate fraudulent accounts appearing on my consumer FICO report which i do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.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 # ( XXXX ) 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 2024-08-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-06-03
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diaz & Associates, Inc. (OH)

Diaz and associates contacted my place of employment without ever notifying me by mail or my private number on XX/XX/31 and XXXX. Theyve called there several times. When I called on XXXX to verify why they was calling for an unknown debt and asked why I was being harassed at my employer I was transferred to a manager ( XXXX XXXX ). He became angry on the phone and threatening that I need to pay debt of {$3200.00}. I then called the payday loan and it was accurate I owed a debt but my debt was given to XXXX XXXX. I called them there and my account is still open with them, not Diaz and associates and my amount asked is actually {$2300.00} per XXXX XXXX. Another person called me from Diaz and associates and again tried to say I owed this debt, wanted me to give him my current address and other information and demanding i pay them. When I said I was filing a complaint and calling my attorney general he became angry and was saying I owed this debt and needed to pay. I explained several times Ive spoke with XXXX XXXX XXXX and I will be going through XXXX XXXX the debt collection XXXX XXXX XXXX   sent my debt to. I tried to tell him to stop calling my employer and he hung up. I called back because he would not let me get the words out and kept hanging up on me so I could not state not to call anymore.
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. (AZ)

In my review of the credit report, I found some erroneous information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), the three credit bureaus must verify these accounts. Reporting unverified information without evidence within the legal timeframe is prohibited. Kindly investigate and correct the errors for the following accounts listed on my credit report : XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX  XXXX Balance : {$380.00}
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NV)

XXXX XXXX XXXX  : This account should be deleted. After the investigation, Equifax updated the " Date Major Delinquency 1st Reported '' to XX/XX/XXXX, which is incorrect. The first delinquency is actually over 7 years old, and the account was included in my bankruptcy. 

XXXX Account : Another account I disputed last month, " XXXX, '' was updated with an incorrect date. The " Date Major Delinquency 1st Reported '' was changed to XX/XX/XXXX. This is impossible, as this account was closed and paid off, and it was not included in my bankruptcy. 

XXXX Account : This account is many years old. After the investigation, the " Date Major Delinquency 1st Reported '' was changed to XX/XX/XXXX, which is incorrect. The last delinquency on this account should be prior to XXXX at the earliest, as it was included in my bankruptcy. 

XXXX Account : This is a very old account, and the " Date Major Delinquency 1st Reported '' was changed to XX/XX/XXXX, which is also inaccurate.
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. (PA)

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 2024-10-14
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. (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. 

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 informationisinaccurate.
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (MD)

Data breach with mortgage company caused late payments to accrue on my account. My mortgage was being paid on time every month, there was a fraud company identical to loancare that was recieving the payments due to the data breach.
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. (NV)

Complaint Summary : I submitted a dispute with Equifax regarding my " XXXX XXXX XXXX XXXX '' account ( Account Number : XXXX ) on XX/XX/XXXX. Equifax provided a confirmation number for the dispute ( XXXX ), and the investigation was completed on XX/XX/XXXX. 

Background : This account was included in my XXXX  XXXX bankruptcy, which was discharged on XX/XX/XXXX. After the dispute, Equifax posted charge-offs and late payments from the month after my bankruptcy discharge through XX/XX/XXXX. This is incorrect, as the account was part of my bankruptcy discharge. Additionally, I actually paid the remaining balance on this vehicle account, kept the vehicle, and received the title free and clear. This account should not have any post-discharge negative reporting, and does not on the other XXXX credit agencies. 

I believe this violates provisions of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Bankruptcy Code discharge injunction ( 11 U.S.C. 524 ). 

Impact : As a result of this inaccurate reporting, my credit score has been negatively impacted, and it has hindered my ability to apply for a vehicle loan this month, which was a part of my financial planning. 

Additional Issues : During this dispute, my XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX accounts were supposed to be removed but were not. Both have incorrect dates of first delinquency reported on Equifax now. These accounts were properly removed from XXXX and XXXX, as it has been 7 years since the date of first delinquency. 

I respectfully request a review and correction of these issues by Equifax to reflect the accurate status of my accounts.
Consumer complaint received 2023-05-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (OH)

They called from 3 numbers at 3 different times : the first was XX/XX/2023 from XXXX ( XXXX ) XXXX. The second was XX/XX/XXXX from XXXX ( XXXX ) XXXX. And the third was XX/XX/XXXX at XXXX XXXX from XXXX ( XXXX ) XXXX. I know for a fact I do not owe any debt, and they are calling on weekends. I tried to silence the numbers but then they will just call from an alternate number.
Consumer complaint received 2023-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

After reviewing my credit report, I have identified inaccurate accounts and information that are not associated with me. I did not provide consent for any of this information to be included in my credit report, and it is significantly impacting my life. I kindly request your assistance in resolving 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 is missing that should be on the report
Company: EQUIFAX, INC. (NY)

" 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 XXXX 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. 
"