davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-29
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. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX Balance {$19000.00}
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (CO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the fair credit reporting act this creditor SYNCB/HOME DESIGN HVAC and XXXX XXXX has violated my rights under 15 USC 1681 section 602 states i have the right to privacy 15 USC 1681 section 604 A section 2 a consumer reporting agency can not furnish and account without my written instruction. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose
Consumer complaint received 2024-08-06
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)

XXXX XXXX XXXX Account # XXXX am writing to formally dispute the inaccurate and unauthorized reporting of the XXXX XXXX XXXXXXXX account ( # XXXX ) on my credit reports with XXXX and Equifax. This account has inconsistencies and was sold to collections without my consent, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I demand the immediate removal of this account from all credit reporting agencies and an investigation into these discrepancies and unauthorized actions. 

Issues Identified 1. Inconsistent Reporting : High Credit : XXXX : {$0.00} Equifax : {$600.00} Credit Limit : XXXX : {$400.00} Equifax : {$0.00} These inconsistencies are problematic and suggest incorrect reporting of the account status. 
2. Unauthorized Sale to Collections : The account was sold to collections without my consent, violating my privacy and legal rights. 
3. Inaccurate Activity Reporting : Date Last Active : XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Date of Last Payment : XXXX : Not reported Equifax : XX/XX/XXXX The lack of consistent reporting of the date of last payment is a clear discrepancy. 

Violations and Impact The inaccurate and inconsistent reporting of the account information and the unauthorized sale of the account to collections without my consent are serious violations of the FCRA and my privacy rights. These errors and unauthorized actions have caused potential harm to my credit profile, leading to undue stress and financial implications. 

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The discrepancies in reporting violate this requirement. 
2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Requires consumer reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : Mandates that if disputed information is found to be inaccurate or unverifiable during a reinvestigation, it must be promptly deleted or modified.

4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies.

6. Right to Privacy : The unauthorized sale of my account to collections without my consent is a breach of my privacy rights, which includes the protection of sensitive information from unauthorized disclosure.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2023-10-30
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. (AZ)

I am writing to express my deep dissatisfaction and frustration with the numerous attempts I have made to remove fraudulent items from my credit report. These fraudulent entries are negatively impacting my credit score and overall financial well-being, and my numerous efforts to rectify this situation have yet to yield a satisfactory resolution. 

The following issues persist on my credit report despite my repeated efforts : I have been a victim of identity theft, which has led to the inclusion of multiple fraudulent accounts and transactions on my credit report. I have diligently reported these fraudulent activities to the respective creditors, filed police reports, and submitted identity theft affidavits as required by law. Despite my numerous attempts to rectify these errors, these fraudulent items continue to tarnish my credit history. 

I have submitted multiple dispute letters to the credit bureaus, providing detailed information on the fraudulent nature of these entries and furnishing all the necessary supporting evidence to substantiate my claims. Unfortunately, the response from the credit bureaus has been inadequate, and the fraudulent items remain on my credit report. 

I understand the vital importance of accurate credit reporting and am committed to restoring my financial integrity. It is imperative that these fraudulent items are promptly and permanently removed from my credit report. 

I kindly request your immediate attention to investigate and rectify these inaccuracies on my credit report. I expect a thorough review of the information I have provided and prompt resolution of these errors. Furthermore, I request written updates on the progress of this dispute and the results of your investigation. 

I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ) and will take any necessary legal actions to resolve this matter if these discrepancies are not corrected promptly. I hope such actions will not be required, and that we can work together to rectify these inaccuracies as soon as possible. I am asking for your assistance to remove the fraud 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
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am filing the following complaint because I am a victim of identity theft and also a victim of several data breach 's. I do not recognize these accounts, These accounts are a Fraud and must be deleted these accounts have resulted in several fraudulent inquiries and collections. I demand that these fraudulent accounts be deleted pursuant to my rights within the FAIR CREDIT REPORTING ACT, AND THE FAIR DEBT COLLECTION PRACTICES.
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, 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. (CA)

This is another CFPB complaint demanding that the Equifax Credit Bureau remove these inquiries from my Credit File for erroneous and unauthorized reporting. I recently reviewed a copy of my credit report and was shocked to see that the inquiries I disputed are still being reported. It indicated that there are credit inquiries made by following credit inquiries listed below. I previously asked Equifax to have these inquiries investigated and removed for erroneous reporting, and yet Equifax have failed to properly verify these inquiries. However, these inquiries were not authorized by me. Therefore, I am submitting this CFPB Complaint to dispute these inquiries and have it removed from my credit report : XXXX XX/XX/2023 XXXX XX/XX/2023. Also, I would like to point out that these inquiries are only reporting in Equifax Credit Bureau. I strongly believe that there is an error in Equifax part and I need Equifax to rectify this error by completely removing these inquiries from my Credit File with no exemption.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

It has come to my attention that XXXX XXXX  is currently reporting to all major credit bureaus that my Account XXXX Is past due by 60 days. Yesterday, XX/XX/XXXX, I spoke to several members of your Customer Service Department, as well as Collections. Several of your agents allege that I missed a payment in XXXX of XXXX and therefore this reporting is correct. I was then transferred to the XXXX XXXX offices and spoke to XXXX. XXXX stated that he would conduct an investigation into this matter. I have reviewed past statements from XXXX of XXXX and have found no late payments during this period. Further, it seems mathematically impossible that I would be late 2 years later after making timely payments to your bank in excess of XXXX USD. 

This account remains paid off and closed to date
Consumer complaint received 2024-08-06
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)

XXXX XXXX XXXX Account # XXXX I am writing to formally dispute the unauthorized sale and reporting of the XXXX XXXX XXXX account ( # XXXX ) on my Equifax credit report. This account was sold to a third party without my consent, constituting a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). I demand the immediate removal of this account from my credit report and seek an investigation into this unauthorized action. 

Issues Identified XXXX. Unauthorized Sale of Account : The XXXX XXXX XXXX account has been sold to a third party without my knowledge or consent. This unauthorized action is a breach of my privacy and violates my rights as a consumer. 
XXXX. Inaccurate Reporting : The account continues to appear on my Equifax credit report despite the unauthorized sale, contributing to inaccuracies and potential harm to my credit profile. 

Violations and Impact The unauthorized sale of my account and the continued reporting of this account without my consent violate the FCRA and my privacy rights. This action has caused undue stress and potential harm to my creditworthiness, as it involves the unauthorized handling and dissemination of my personal financial information.

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The unauthorized sale and reporting of the account without consent violate this standard.

2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Mandates that consumer reporting agencies must conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : Requires that if disputed information is found to be inaccurate or unverifiable during a reinvestigation, it must be promptly deleted or modified. 
4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies. 
XXXX. Right to Privacy : The unauthorized sale of my account without my consent is a direct violation of my privacy rights, which includes the protection of sensitive information from unauthorized disclosure or dissemination.
Consumer complaint received 2024-11-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (NY)

To whom it may concern, On XXXX XXXX I received a email from XXXX XXXX  sating I have a collections owned. When I went to log into credit karma XXXX seen collections from diversified adjustment for the amount of XXXX. I do not owe this, this isnt my debt. I went to call them and they replayed its not their problem and try to make a settlement with me. I also called XXXX with no help. I need this removed off my credit report! As this isnt correct and fraud
Consumer complaint received 2024-08-06
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)

XXXX XXXX Account # XXXX I am writing to formally dispute the inaccurate and unauthorized reporting of the XXXX XXXX  account ( # XXXX ) on my credit reports with XXXX and Equifax. This account has been sold to a third-party company without my consent, which constitutes a breach of privacy. Furthermore, the reporting on this account is inaccurate and inconsistent, and I demand its immediate removal from all credit reporting agencies.

Issues Identified 1. Unauthorized Sale and Privacy Violation : The account was sold to a third-party company without my consent, constituting a breach of my privacy rights. I did not authorize the sale or transfer of this account.

2. Inaccurate Reporting : Last Reported Date : XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Debt Status on Equifax : Equifax inaccurately reports that the debt is not satisfied, despite being legally settled. 
Date Last Active : XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX These inconsistencies and errors are misleading and damaging to my credit profile. 

Violations and Impact The presence of this account, along with its inaccurate and unauthorized reporting, indicates significant issues in the handling of my personal information and credit data. The discrepancies in the reported dates and debt status, as well as the unauthorized sale of the account, violate my rights under the Fair Credit Reporting Act ( FCRA ) and privacy laws.

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The discrepancies in reporting violate this requirement.

2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Requires consumer reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : Mandates that if disputed information is found to be inaccurate or unverifiable during a reinvestigation, it must be promptly deleted or modified.

4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies.

6. Right to Privacy : The unauthorized sale of my account to a third party without my consent is a clear violation of my privacy rights, which includes the protection of sensitive information from unauthorized disclosure.
Consumer complaint received 2024-08-06
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)

I explained to the company that the XXXXXXXX XXXX XXXX XXXX is not accurate. That I did not knowingly agree to this account being opened in my name. It was opened XX/XX/year> for {$4000.00}. They have yet to remove the account.
Consumer complaint received 2024-08-20
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: Exto Inc. (GA)

RE : XXXX Reported XXXX Condition Open Balance {$8.00} High Balance {$3000.00} Payment {$8.00} Status Current Late Payments XXXX Amount Past Due {$0.00} Account Type revolving PLEASE ENSURE THAT THIS ACCOUNT INFORMATION IS SHARED ACROSS BUREAUS. RIGHT NOW, IT IS ONLY DISPLAYED FOR XXXX AND NOT XXXX AND XXXX. 

PLEASE HANDLE EXPEDITIOUSLY OR BE SUED IN CIVIL COURT FOR DEFAMATION OF CHARACTER, MISSED CAREER OPPORTUNITIES, AND CREDIT OPPORTUNITIES. PURSUANT FAIR CREDIT REPORT ACT 1970 requires consumer reporting agencies ( CRAs ) to report consumer credit information accurately, fairly, and in a timely manner.
Consumer complaint received 2016-03-15
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Spoke with the case manager today XXXX XXXX about the Judicial Sales date set for XXXX XXXX .... All paperwork was submitted more than 37 days before the foreclosure sales date.. Asked XXXX why is the date still valid ... Due to the fact the paperwork was submitted more than 37 days before the sales date .... XXXX informed me the banks policy states they can keep the date up to 1 week before the sales date " Just In Case '' a modification is not feasible .... I stated this is illegal due to the new rules ... XXXX proceeds to say " What If I Do n't Accept The Modification or Ca n't Qualify '' the Bank will still have that date looming over my head so I will be forced to accept what ever terms the underwriters decides ( this is the conclusion I was able to understand according to what XXXX XXXX was trying to explain only what was written in quotations is what XXXX actually stated ) Included in the submitted documents I copied all the CFPB rules to ensure no confusion would occur unfortunately some sort of misinformation still takes place at this time ....
Consumer complaint received 2016-06-03
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

In XXXX, 2016, I submitted complaints to both Bank of America and XXXX about the fact that Bank of America was not reporting the balance on my XXXX XXXX card correctly. 

Rather than fixing the real problem, all that Bank of America has done to date is not report the card/account to XXXX. It has always been a credit account in good standing. At this point, this is causing me financial damage in that it is preventing me from obtaining better credit terms.
Consumer complaint received 2016-06-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: The CBE Group, Inc. (CA)

Hello. I received a collection notice. I put in writing ( within 30 days ) that i dispute the debt. I requested proof of debt. They did not respond to my letter. I never received proof of debt. Now this collection account is on my credit report.