davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

XXXX These lenders have accessed your credit file : XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Consumer complaint received 2024-10-03
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. (CA)

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 2024-10-22
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)

I received an phone call from a Lender in reference to RE-FINANCING my Mortgage. 
Next thing I know there was an INQUIRY on my CREDIT REPORT from XXXX XXXX XXXX. 
I DID NOT AUTHORIZE THIS INQUIRY.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

XXXX XXXX, XXXX : XX/XX/XXXX : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 of a personal mobile phone account opened at Account at XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) on XX/XX/XXXX ACCOUNT # XXXX, with an outstanding balance of {$8700.00} and a Bank Credit Cards Inquiry : XXXX  XXXX, Date of inquiry : XX/XX/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 2024-09-10
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. (OH)

I am filing this formal complaint to address Equifax Information Services LLC 's unauthorized and deceptive practices concerning my request for the removal of information related to XXXX XXXX from my Equifax credit report. Despite providing all necessary and valid documentation, in full compliance with federal law, including a Victims Determination Letter from a recognized authority, Equifax has unjustly denied my request and misrepresented their attempts to resolve the matter. 

Equifax 's actions are in direct violation of 12 CFR 1022.142 ( e ) ( 4 ) of the Fair Credit Reporting Act ( FCRA ), which explicitly prohibits credit reporting agencies from refusing to block adverse information based solely on the validity of submitted documentation. This clear disregard for federal regulations and my rights as a consumer is deeply concerning.

I request a thorough investigation into Equifaxs ongoing non-compliance with these federal standards and that appropriate corrective measures be taken to address their misconduct. The companys refusal to fulfill its legal obligations has caused unwarranted harm to my credit profile, despite my adherence to all requirements under the law. 

As stipulated under Section 605C of the FCRA, credit reporting agencies are legally prohibited from including adverse information on a consumer 's report when such information results from the individual being a victim of XXXX XXXX. After I notified the agency and provided all the required documentation, including evidence mandated by the law, this information should have been promptly removed within the specified timeframe. However, Equifax and other credit agencies have failed to address or comply with my request, contrary to what the law mandates. 

I urge immediate action to rectify this issue, as their failure to comply with established legal standards constitutes a serious breach of both federal law and consumer protection rights. 

Thank you for your attention to this critical matter. I trust you will give it the serious consideration it warrants.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from Equifax and XXXX. 

Please delete the following accounts : XXXX XXXX Account number : XXXX Balance Owed : {$19000.00} XXXX XXXX  Account number : XXXX Balance Owed : {$1000.00}
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: ALLY FINANCIAL INC. (KY)

Request for Removal of Inaccurate Late Payments from Credit Report To Whom It May Concern, I am writing to dispute and request the immediate removal of inaccurate late payments listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1666 ( b ), and the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to have accurate information reported on my credit file. The late payments in question are inaccurately reported on my credit file and do not reflect my payment history accurately. I assert that I have never been late on any payments, as I have always been enrolled in autopay for all my accounts. The fact that a bill may have been sent to my address does not constitute proof of a late payment. The reporting of these inaccurate late payments violates my rights under the FCRA, as they do not reflect my true creditworthiness. Additionally, the reporting of false late payments may constitute a violation of the FDCPA, as it misrepresents the status\ of my accounts : Ally Financial ( account number : XXXX ) to request the removal of three late payments reported on my credit history, specifically in XXXX and XXXX of XXXX and XXXX of XXXX. Furthermore, the Truth in Lending Act ( TILA ) requires accurate reporting of credit information to ensure consumers are treated fairly and have access to credit based on accurate data. I demand that all late payments currently reported on my credit file be updated to reflect 100 % on-time payments, as per my true payment history. Failure to do so constitutes a violation of my rights under the FCRA and other consumer protection laws. I request that you investigate this matter promptly and provide me with written documentation of the removal of these inaccurate late payments from my credit report within 30 days.
Consumer complaint received 2024-10-15
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)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-10-03
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 disputing a collection account added recently onto my credit report of Equifax with no creditor name given, nor any proper information are provided but an amount for {$1400.00} appearing on my credit report ( see attached copy of my Equifax report ) My consumer report is inaccurate and unfairly reported. You took information from an alleged creditor ( still dont know what it is!! ) then reported this inaccurate information on my report without consulting me to confirm whether this information was accurate or not. 

Please note that under the Fair Credit Reporting Act ( 15 U.S.C. 1681n ), failure to investigate and correct any inaccuracies in my credit report could result in legal action. I trust that Equifax will handle this dispute with the utmost diligence and resolve the matter promptly.
Consumer complaint received 2024-10-03
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: ENCORE CAPITAL GROUP INC. (FL)

Account XXXX  XXXX Midland Funding Formal Complaint of Improper Handling of Notarized Documents, Consumer Rights Violations, and Request for Immediate Removal of Tradeline Dear Midland Funding, I am writing to formally address your recent claim that the notarized documentation I submitted regarding the debt in question " does not appear authentic. '' This response is both unfounded and in violation of my consumer rights under federal law. 

A notary public has officially authenticated the documentation, which makes it legally binding. Therefore, your agency has no legal right or authority to question the authenticity of properly notarized documents unless you have substantial legal evidence to prove otherwise. Your arbitrary dismissal of these documents is not only inappropriate but also in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Consumer Rights Violations : Improper Disregard of Notarized Documentation : The 15 U.S.C. 1692e of the FDCPA prohibits collection agencies from using any false or misleading representations in their attempts to collect debts. Dismissing legally authenticated documents without a valid reason constitutes a violation of this provision. 

Failure to Validate Debt : Under 15 U.S.C. 1692g, upon a dispute, a debt collector is required to validate the debt and provide accurate documentation. Rejecting my valid, notarized documents without proper cause fails to meet this standard of validation and is a violation of my rights as a consumer. 

Credit Bureau Responsibilities : XXXX, XXXX, XXXX I must remind you that the Fair Credit Reporting Act ( FCRA ) holds you responsible for reporting accurate information to the credit bureaus. Under 15 U.S.C. 1681i, during an investigation into a disputed account, credit bureaus must not report inaccurate or unverifiable information. As such, I am formally requesting that you immediately remove the tradeline related to this account from my credit report while this claim is under investigation, as the account is currently disputed and should not be reported in a way that could harm my credit. 

Failure to comply with these legal obligations would constitute a further violation of my rights, and I reserve the right to take legal action to pursue damages for reporting inaccurate or misleading information on my credit report.
Consumer complaint received 2024-08-25
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. (TX)

To Whom It May Concern, I am writing to formally dispute the inaccurate and unfair collection accounts that have been reported on my credit report. I believe these collections are being reported in violation of the Fair Credit Reporting Act ( FCRA ) and possibly in violation of the Uniform Commercial Code ( UCC ) as well. XXXX XXXX XXXX  Fair Credit Reporting Act ( FCRA ) Violations : Under the FCRA ( 15 U.S. Code 1681 et seq. ), I have the right to dispute inaccurate information in my credit report and to have those inaccuracies investigated and corrected. The information being reported by the collection agencies is either incorrect, unverifiable, or outdated, and as such, should not be reflected in my credit report. Specifically : XXXX. XXXXVerification Requirement ( Section 609 ) XXXX XXXX  The collection agencies must provide proper documentation proving that the debt is valid and that they have the right to collect it. As per Section 609 of the FCRA, I request that you furnish me with copies of all documentation that validates these debts. 

XXXX. XXXX*Accurate Reporting ( Section 611 ) : XXXX The credit reporting agencies must ensure that all information reported is accurate. If the collections can not be verified within the XXXX0-day investigation period, they must be removed from my credit report as per Section 611 of the FCRA. 

XXXX XXXXRe-aging of Debt : XXXX If the collection accounts have been re-aged, this is a violation of the FCRA XXXX and those accounts must be corrected or removed immediately. 

# # # Uniform Commercial Code ( UCC ) Considerations : Additionally, under UCC provisions, specifically regarding the rights to enforce a debt or obligation, I believe the collection agencies may not have legal standing or proper assignment of the debt. Under UCC Article 9, if the collection agency can not provide a valid assignment of the debt or a contract that explicitly grants them the right to collect, they are not legally allowed to report this debt on my credit file. 

XXXX XXXX XXXX Resolution Requested : I kindly request that you : XXXX. Investigate the accounts in question and ensure that they comply with the FCRA and UCC requirements. 
XXXX. Remove any erroneous or unverifiable collections from my credit report. 
XXXX. Provide me with written confirmation of your investigation results. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution of this issue. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-15
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-15
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)

On XX/XX/year> I sent Equifax, XXXX, XXXX a letter asking for proof of the alleged late payments on this account they have yet to provide any proof of such account. I asked for them to send this information to me and they never did but said its valid
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX reported to Equifax a balance of {$70.00} on XX/XX/XXXX and has been marking the debt as a charge off from XX/XX/XXXX to XX/XX/XXXX. This information is incorrect. I never received a letter informing me of a balance. The account was set to auto draft and a paid the debt in full.
Consumer complaint received 2024-10-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc ()

On XX/XX/year> I received an email stating that my accounts would be closed for " failing to comply with the terms of your Deposit Account Agreement ''. I do not know what I did to be out of compliance. I called the help line to ask why my account was being closed, and they said they would not provide me any information, and that my account would not be eligible for a refund, even though the email states my savings account would be eligible for a refund. They hung up on me and ended the call without any reason given and no option to get my money back. The company stated the call was recorded, so we recorded it as well, satisfying the 2 party consent needed in XXXX  for recorded calls.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-10-03
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I filed a complaint against XXXX XXXX and XXXX XXXX a few months ago regarding this same debt. I even explained the damages that Apartment caused me and my daughter. XXXX XXXX lied to the collection agency, stating they made repairs prior to me moving out. They did not. I shouldve taken the XXXX to court instead of taking their word. We had a mutual agreement that if I moved out I didnt have to pay anything and they were not going to report it. I moved back to XXXX and applied for and apartment and was turned down. If I wouldve know they reported me, I wouldve applied for an apt . Not only I cant find a place to live, I cant pursue my career as a XXXX XXXXXXXX. These people lied to me. I have no where to go and I cant pursue my career. I called the XXXX yo see why would they lie to the collection agency, they hung up on me and now they not taking my calls. I called the collection agency but they wanted me to pay them to each month to remove all my debt. What kind of collection agency Id that? I only wanted to discuss the apartment debt but they wanted money each month for other debt. If they think this funny, its not. Its not a game. They are literally ruining my life because they lied and now they just hang up on me and dont take my calls.