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 status incorrect
Company: EQUIFAX, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
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. (MD)

.According to 15 USC 1681eb they are supposed to ensure this 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 whom it relates. 

This account is totally reporting inaccurate, one Bureau reports paid, last date active, last day reported, last payment status etc. 
This inaccurate information falsely manipulates the my credit worthiness and it's hurting my ability to obtain credit. Credit Bureaus failed to investigate this account properly after I repeatedly asked to have the account updated your neglect has once again violated my consumer rights. I am demanding a deletion of the following account : XXXX XXXX XXXX : XXXX
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. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-02
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. (MS)

XXXX XXXX XXXX is very impolite when calling talking to the representative she was very rude and rushy and they still wont remove the credit and I have sent them a letter and even their letters and response to me are rude most incompetent company out there by far!
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'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 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. (TX)

I would like to address the problem of an incorrect account on my credit report that is still listed as accurate in spite of the supporting documentation I have included in the letters that are attached. Despite the fact that the material is obviously inaccurate, no changes have been made. 

The Fair Credit Reporting Act ( FCRA ) is violated by this inaction, especially 15 U.S.C. Section 1681i, which requires credit reporting organizations to adequately look into disputes and fix mistakes. I request that you look into this again and correct or delete the false information from my report as soon as possible.
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. (FL)

Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting mi ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX  account ( XXXX XXXX account number XXXX )
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. (AZ)

I hope this message finds you well. I am reaching out to follow up on the complaints, regarding discrepancies on my credit report. As of today, I have not received any updates or communication regarding the resolution of these disputes with the credit bureaus. While I understand that investigations can take time, I am eager to inquire about the current status and any progress made in addressing the issues outlined in my previous correspondence. Below are the specific items that I am requesting to be removed from my credit file : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$500.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (WA)

I was issued a rewards certificate in the amount of {$850.00} on my Costco Citi Visa. I tried to redeem as direct deposit but it was denied. I tried to use it at Costco on Thursday XX/XX/2022 but it was again declined. I was told I needed to wait 48 hours in order to request a replacement. Today ( XX/XX/2022 ) I requested a replacement and again I'm being told I need to wait another 48 hours. No one is willing to escalate or involve a superior, they just keep telling me " it requires another 48 hours '' please call back.
Consumer complaint received 2022-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

As I reviewed my recent report, I have found a lot of erroneous information reporting on my TransUnion Credit Report. I am not sure if you have conducted a thorough investigation for the following items : Late/Open XXXX  XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$7900.00} Late/Closed XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
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)

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 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I've been attempting to contact the appropriate authorities about the errors on my credit report, but I haven't had any success. It's been incredibly XXXX  and XXXX, keeping me up at night wondering about my financial future because these inaccuracies are unfairly impacting my credit score and preventing my credit applications from being approved.
Consumer complaint received 2022-02-14
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: Experian Information Solutions Inc. (CA)

The following accounts are alleged to belong to me are false : # 1 XXXX  - XXXX XXXX  - Alleged account belonging to me is in error # 2 XXXX XXXX XXXX XXXX - Alleged account belonging to me is in error # 3 XXXX XXXX XXXX - Alleged account belonging to me is in error
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. (FL)

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was property investigation but how is that, possible & the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C 1661 section 602 A. States I have the right to privacy 15 US. C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not fumish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation and I already sent my cerfity letter in my pervious report 2 weeks ago as you will see in my history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I am reaching out to file a complaint on XXXX, Equifax and XXXX about an item on my consumer report that, by law, should not be reported. These institutions are currently reporting an item, and I would like to address it. On XX/XX/XXXX, these companies reported a transaction as late. Per 15 USC 1681a, the law states ( 2 ) Exclusions : Except as provided in paragraph ( 3 ), the term " consumer report '' does not include : ( i ) Reports containing information solely as to transactions or experiences between the consumer and the person making the report. 

This means that my transactions or experiences with your company are excluded by law from my consumer report. I am requesting that this transaction or experience be deleted. By law, it is not required to report late payments and I am asking that XXXX, Equifax and XXXX cite the specific law that requires them to report a transaction as a late payment. 

The only potential law that addresses late payments is **15 U.S. Code 1666b - Timing of Payments : ** ( 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 to ensure that each periodic statement, including the information required by **Section 1637 ( b ) ** of this title, is mailed or delivered to the consumer at least 21 days before the payment due date. 

I am requesting that XXXX, Equifax and XXXX provide the tracking number for the periodic statement that was mailed or delivered 21 days before my payment due date, along with all the information required under Section 1637 ( b ). If they are unable to provide that information, this is a violation per the FCRA. 

Furthermore, I have attached documentation from XXXX XXXX confirming that they have sent a letter to the three bureaus to update the 30 days late payment on XX/XX/XXXX. They did not remove this late payment and update the payment history to reflect paid on time. I have attached the letter as well as an identification affidavit, drivers license, social security card and a utility bill in which all were mailed. 

I am formally requesting the deletion of all transactions marked as late on my consumer reports.
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'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 XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2022-02-14
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have mailed, faxed, emailed, and called each bureau XXXX, XXXX, and Experian. I have done everything that's been asked I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with this bureau 40 plus days ago and havent received anything. Correction I did get a letter from XXXX telling me that they were not going to investigate because they believed that I used a third party, I did use a third party " THE CFPB '' which describes how you are suppose to style the letter and the dispute. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors. Each Time that I have called the Bureaus they seem to act as if I need to start the process all over again. I have read the CFPB guidelines and the XXXX XXXX don't seem to care about the rules. XXXX XXXX you are the final help in what millions of Americans are up against please stand your ground make the XXXX  XXXX accountable for their sloppy performance.
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. (NJ)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX
Consumer complaint received 2022-02-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY (DE)

I think Wells Fargo is being picky in regards to offering it's products on personal loans/LoC. I have a very good credit score and have enough liquids but still Wells Fargo won't believe it and denied my application without any explanation. I think I am a vicitim of Disparate Treatment here.
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. (NY)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My information was disclosed to a third party without my permissible purpose! As per the FCRA, as a Federally Protected Consumer, I am now OPTING OUT of ANY and ALL Authorization ( s ) that I, ( CONSUMER NAME ), may have given the data furnisher ; whether written, unwritten, verbal or non-verbal as per : 12 CFR 1016.7 ( a ) ( 1 ) ( ii ) - Form of opt-out notice to consumers ; opt-out methods 15 USC 6802 ( b ) ( 1 ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information XXXXThis Opt-Out Authorization is effective IMMEDIATELY and INDEFINITELY!
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

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 XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-02-14
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: Experian Information Solutions Inc. (MI)

My updated credit report from Experian was reporting an inquiry that is not connected to me. The inquiry posted should not be on my report because I have neither inquired nor reached out to anyone of them. If Experian has made an extensive investigation about this, they should have removed this inquiry. However, they have not their duties of either confirming the items and/or reaching out to me to notify. Stated below is the unfamiliar inquiry showing in my account. 

XXXX XXXX FIN Date of inquiry XX/XX/2021