davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

I went to check my credit score and I have like XXXX accounts that are now in collections for loans and credit cards I never opened. Someone has stole my identity and been using my name to open accounts. They all date to XXXX and XXXX and I can prove that I was in XXXX  for those XXXX XXXX ib just got XXXX  XXXX XXXX please fix this and what should I do
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

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 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with Equifax 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.

Equifax 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 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

There has been continuous errors on the report which include : 1. The creditor is listed as the company rather than Me 2. The account is showing late or abandoned ( interest ) income which is NOT CREDIT 2. The account is not listed as paid in full even though full value has been received
Consumer complaint received 2024-10-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affirm Holdings, Inc (TX)

I ordered a strobe light from XXXX who received the money from affirm 2nd party. XXXX XXXX XXXX. I found out it was a scam so I canceled my payment. I never recieved the strobe light. The strobe light was returned by the postoffice. I txt affirm and told them. The stroblight was returned to XXXX by the US postoffice. and I was not going to pay. They did not care. They turned it over to a collection agency and they turned it over to the credit bureau and it on my record and damaged my credit. I need this to be removed. Affirm will not remove it from my credit.
Consumer complaint received 2024-08-10
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. (NY)

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 


XXXX XXXX XXXX Balance : {$990.00} XXXX XXXXXXXX Balance : {$640.00} XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$7800.00} XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I am writing to formally dispute the unauthorized access and use of my bankruptcy information that was obtained without a permissible purpose under the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681a ( 2 ). 

I recently discovered that my bankruptcy information was accessed and reported by [ Name of the Entity or Source ], which, to my knowledge, does not have a permissible purpose for accessing this sensitive information. This action is in violation of the FCRA. 

Under 15 USC 1681b, a person or entity must have a permissible purpose to obtain my credit report or related information. As this entity does not meet the requirements for a permissible purpose, I request that you take the following actions : Investigate the unauthorized access and use of my bankruptcy information. 
Remove the bankruptcy information reported by the unauthorized entity from my credit report. 
Provide me with written confirmation of the actions taken and a copy of my updated credit report once the investigation is complete.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights. I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and inaccurate. 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 who the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 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 shall ( i ) promptly delete that item of information from the file of 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 1681 s-2 they suppose to not furnish any information relating to a consumer to any consumer reporting agency if the personknows or has reasonable cause to believe that the accounts inaccurate.
Consumer complaint received 2024-08-10
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. (NY)

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also, they aren't even in compliance with Metro 2 credit reporting.

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; COLLECTIONS : XXXX XXXX XXXX XXXXXXXX {$7000.00} XXXX XXXX XXXX XXXXXXXX {$3000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-10
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)

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 2024-08-09
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)

XXXX XXXX XXXX has been deleted following CFPB dispute. Both XXXX and Equifax have refused to comply even after receiving paperwork. Companies have consistently stated they have ran disputes at FCRA requirements but have historically been incorrect. They have still failed to remove this account even after disputes
Consumer complaint received 2024-07-28
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. (CA)

To Whom It May Concern, I am writing to formally lodge a complaint against XXXX XXXX XXXX XXXX for the egregious violation of multiple consumer protection statutes. This complaint pertains to the unauthorized opening and reporting of a credit account in my name, which has caused significant financial and reputational harm. 

Details of the Fraudulent Account : Account Number : XXXX Balance : {$690.00} Date Opened : XX/XX/XXXX Status : Closed - Account charged off. {$690.00} written off. {$690.00} past due as of XX/XX/XXXX. 
Credit Limit : {$500.00} Last Payment Date : XX/XX/XXXX Balance Updated : XX/XX/XXXX Credit Usage : 139 % Legal Violations : XXXX. Fair Credit Reporting Act ( FCRA ) : Section 605A ( Identity Theft Prevention and Mitigation ) : Mandates that credit reporting agencies must block the reporting of information resulting from identity theft. XXXX XXXX XXXXXXXX XXXX  failure to address the fraudulent account after multiple disputes is a clear violation of this provision. 
Section 611 ( Procedure in Case of Disputed Accuracy ) : Requires a prompt and thorough investigation of disputed information. XXXX XXXX XXXX XXXX has demonstrably failed to comply with this legal requirement, resulting in continued reporting of inaccurate and fraudulent information. 
XXXX. Truth in Lending Act ( TILA ) : Regulation Z ( 12 CFR 226 ) : Obligates creditors to ensure the accuracy of billing statements and to investigate unauthorized transactions promptly. The existence and reporting of the fraudulent account violate these provisions, as I did not authorize the account in question. 
XXXX. Gramm-Leach-Bliley Act ( GLBA ) : Safeguards Rule : Requires financial institutions to implement measures to protect the security, confidentiality, and integrity of customer information. The fraudulent account indicates a significant breach of these obligations by XXXX XXXX XXXX XXXX 

Attempts to Resolve : Despite my multiple good-faith efforts to resolve this matter directly with XXXX XXXX XXXX XXXX XXXX including formal disputes and requests for investigation, the bank has failed to take appropriate corrective action. This inaction exacerbates the harm caused by the initial fraudulent activity.
Consumer complaint received 2024-08-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

I am a member of the Sweet v Cardona Lawsuit and the Dept of Education is to have refund checks to be sent out by end of XXXX, this month! However when I call all they tell me is they have the Borrowers Defense Application and its processing, there were no manager, so I submitted and I again have submitted a complaint on their website case number XXXX.
Consumer complaint received 2023-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/16 several transactions were displayed with wrong payee information such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Reported out to Wells Fargo. 
They stopped payments however it was a technical issue on their end and still stopped. 
Payments looked paid and then Disappeared Payment was wrong Multiple calls to correct and still an issue in XXXX. I made a payment in XXXX and they stopped it again Ive asked to start payments Payments will show as paid and then disappear Its causing issues with car payments and electric being charged fees etc and need to be reimbursed
Consumer complaint received 2024-08-08
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)

Im in complete disbelief after discovering incorrect accounts on my credit report today. I reviewed it as part of my routine, but discrepancies showed up out of nowhere. I even tried refreshing my browser to see if it was a technical glitch, but the inaccuracies stayed put. Im very disappointed and need the documents Ive provided to be reviewed carefully to ensure this doesnt happen again.
Consumer complaint received 2024-08-09
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. (NY)

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this companys that I think ilegally reporting in my credit profile that affects my life being tortured financially. 

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY. 

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately!
Consumer complaint received 2024-07-27
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. (NJ)

I was the victim of identity theft and the person used my information to rent a lease last year in XX/XX/year> that resulted in unpaid rent of {$880.00} that now a second collection agency ( XXXX XXXX XXXX ) is trying to collect on. XXXX is incorrectly reporting on this fraud in my credit report. I would like for XXXX to remove this negative mark as soon as possible.
Consumer complaint received 2024-08-10
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)

XXXX XXXX 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 Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX  XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT 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. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 
I demand that the following account be validated or DELETED immediately : XXXX XXXX XXXX XXXX XXXX In addition, DELETE all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I discovered an account with XXXX XXXX XXXX listed on my credit report with a balance of {$1300.00}. This account is inaccurate and does not belong to me. I immediately contacted XXXX XXXX XXXX to dispute this erroneous collection. Despite my efforts, including submitting a formal dispute and providing supporting documentation, the company has failed to remove the incorrect information. This negative entry is unjustly impacting my credit score
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

I am writing to urgently request the removal of fraudulent items from my credit report. Despite my previous efforts to resolve this matter, these items remain on my report, causing significant harm to my credit and financial well-being. I have repeatedly provided all necessary documentation, including police reports, identity theft affidavits, and proof of my identity. This documentation clearly shows that these accounts were opened without my authorization and are not my responsibility. I have also been in continuous communication with your agency, yet these fraudulent items remain unaddressed. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate credit report, and it is the 3 credit bureaus 's legal obligation to remove any information that is found to be inaccurate or fraudulent. I demand the immediate removal of these fraudulent accounts and any related inquiries from my credit report. The fraudulent items in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$7700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.