davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 


XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-03
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)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-17
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. (CA)

I had XXXX cars purchased under my name fraudulently without my knowledge or permission and the XXXX bureaus keep saying verified refusing to remove even after Ive spent hours on phone explaining these are fraud XXXX loans with XXXX {$96000.00} and {$180000.00} and the XXXX with XXXX  XXXX XXXX for {$87000.00} this is illegal for them to report and not remove my reputation my name my good standing in the community and my rights to a good job are being prevented all bc of their inadequate actions to remove these XXXX accounts
Consumer complaint received 2024-08-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: OneMain Finance Corporation (IN)

I'm contacting to follow-up regarding a dispute opened with OneMain Financial that I made against the merchant XXXX on XX/XX/year> for a transaction totaling in the amount of {$370.00}. The dispute record number for this is XXXX. 

Background on the transactions...

There were 2 transactions processed totaling in the same amount on different dates as follows... 
XX/XX/year> - {$370.00} Reference Number - XXXX ( refunded by XXXX ) XX/XX/year> - {$370.00} Reference Number - XXXX ( disputed XXXX ) OneMain Financial processed a provisional credit to my account on XX/XX/year> for the dispute in the amount of {$370.00} which was reflected on my XX/XX/year> statement. OneMain Financial then reversed my provisional credit due to a refund being processed to my account from XXXX on XX/XX/year>. 

OneMain Financial reversed the provisional credit in error as the refund from XXXX was received for the transaction on XX/XX/year>, NOT the 'disputed ' transaction which was on XX/XX/year>. 

Currently I am still owed the {$370.00} for XX/XX/year>. I was NOT refunded by XXXX for the disputed transaction. As such, I am formally requesting that this dispute be re-opened and evaluated even though the transaction was processed in 2023. Legally this dispute must be processed as OneMain Financial made the error of closing the dispute for a refund that was NOT associated with the 'disputed ' transaction. Additionally I am not responsible for any interest on the disputed charge up to now due to the negligence of OneMain Financial. 

I do not know why XXXX refunded the transaction for XX/XX/year> and not the one for XX/XX/year> thus I can not work with them to receive a refund and must work with OneMain Financial. I have submitted many complaints with the Consumer Financial Protection Bureau for this issue and hope that OneMain Financial will take accountability for their error regarding this matter. I look forward to hearing from you regarding when I can expect my credit to be processed, thank you.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 U.S.C 1681. ACCOUNT Name : XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, and XXXX XXXX. 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 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.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I am filing a complaint regarding an incorrect account on my credit reports from XXXX XXXX. This account is being reported inconsistently across the XXXX major credit bureaus and violates credit reporting laws. 

Additionally, I am a victim of identity theft. The details are as follows : XXXX : Reported as XXXX XXXX XXXX with no account number Equifax : Reported as XXXX XXXX, opened XX/XX/XXXX, Account # XXXX XXXX : Reported as XXXX XXXX XXXX, Account # XXXX, opened XX/XX/XXXX These discrepancies violate the Fair Credit Reporting Act, which requires accurate and consistent reporting. 

Furthermore, this account is the result of identity theft, for which I have filed a police report. I request immediate investigation and removal of this fraudulent account from all credit reports.
Consumer complaint received 2024-09-16
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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-09-16
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)

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 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX XXXXXXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. It proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2024-09-16
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. 

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 2024-09-11
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)

I have sent dispute letters to XXXX, Experian, and XXXX 5 different times. I have not recieved any results from them. I have attached my 3 bureau report showing all of the errors in the account. Please help me resolve this matter.
Consumer complaint received 2024-11-01
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)

XXXX XXXX  is on my credit report with inaccurate information which that does not belong to me as well as XXXX XXXX XXXX, and comenity bank I do not owe any debt to them, or any other creditor. Im a victim of identity theft and this account is just many of its kind that has resulted to reporting to my credit report inaccurately and fraudulently to cause damage and hardship As of today XX/XX/year> it needs to be removed
Consumer complaint received 2024-09-11
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: Experian Information Solutions Inc. (PA)

Its incredibly disappointing that unauthorized inquiries have appeared on my credit report, and I have no idea why. I routinely check my report, but suddenly there are discrepancies. I tried refreshing the page to see if it was a simple error, but the inquiries remained. Im deeply frustrated, and I urgently request a thorough review of the documents Ive submitted so I wont have to deal with this again.
Consumer complaint received 2024-09-11
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. (PA)

I can't believe that inaccurate accounts have shown up on my credit report tonight, and Im completely confused as to why. I routinely check my report, but this time there were strange discrepancies out of nowhere. I refreshed the page to see if it was just a mistake, but nothing changed. Im now requesting a thorough review of the documents Ive sent to prevent this from happening again.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My account with XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 in XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX  never XXXX the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 2024-09-11
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: Experian Information Solutions Inc. (IL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 in MONTHS REPORTING LATE 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.

This company 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 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MS)

I have recently obtained a copy of my credit report and have identified the following item ( s ) that contain inaccurate information : The following personal information is incorrect Employers : XXXX XXXX The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX 1. The inquiry was not authorized XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX 2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 4. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX XXXX XXXX. Identity Theft XXXX Account Number : XXXX XXXX. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX XXXX.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

From : XXXXXXXX XXXX XXXXXXXX, Consumer XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX  Hello XXXX I am writing this complaint because EQUIFAX INFORMATION SERVICES LLC , or " Equifax '' continues to furnish and disclose inaccurate, inequitable negative accounts onto the Consumer Report of XXXX XXXX XXXX XXXX Consumer. This information has been disputed time again, which has resulted in both the closure and removal of this, " XXXX '' account. Equifax has failed to ensure maximum possible accuracy of this information as it pertains to XXXX XXXX XXXX, Consumer, who has informed Equifax multiple times that this information is inaccurate, inequitable, negative and needs to be deleted. Every time, Equifax has shown blatant disregard and negligence, both willful and negligently. This can all be displayed in CFPB Complaints : XXXX XXXX 

Equifax has violated the Following : XXXX. Fair Credit Reporting Act ( FCRA ) The FCRA is a federal law that regulates the accuracy and privacy of information on consumer credit reports. Under the FCRA : Duty of Accuracy : Credit reporting agencies like Equifax must ensure the maximum possible accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ).

Consumer Disputes : Consumers have the right to dispute inaccurate information, and the agency must investigate the dispute ( 15 U.S.C. 1681i ). They must correct or remove any inaccurate or unverifiable information within 30 days.

Reinvestigation Obligation : If you notify the credit reporting agency of a dispute, it must investigate the accuracy and completeness of the disputed item. If its found to be inaccurate, it must be corrected or deleted ( 15 U.S.C. 1681s-2 ( a ) ( 8 ) ). Equifax reinserted a deleted account back onto the Consumer report of XXXX XXXX XXXX, Consumer, without notifying said Consumer. This is a violation of 15 U.S.C 1681i ( a ) ( 5 ) ( B ). Please see, " XXXX XXXX XXXX XXXX ( XXXX ) '', " XXXX XXXX Equifax Information Services LLC ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Equifax Credit Information Services , IncXXXX ( XXXX ) '', and " XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The most recent CFPB Complaint which was filed : XXXX XXXX  and sent to Equifax the same day, Equifax was in response of this complaint as of XX/XX/XXXX. However, Equifax responded to the complaint on XXXX Well after 30 days of the Notice. This is outside of the ( 30 ) days allowed for a reasonable reinvestigation period. Please see : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax ( XXXXXXXX XXXX XXXX