davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-09
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)

Found unauthorized inquires on my credit reports. please delete ASAP. 

Unauthorized Inquires. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE FROM ALL 3 MAJOR CREDIT BUREAUS ASAP!!!!!!!!!!!!!!!
Consumer complaint received 2024-06-26
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)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, 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 that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-09
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. (TX)

XXXX ; XXXX XXXX Account Number - XXXX Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Consumer complaint received 2024-06-26
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. (NJ)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

I have a dispute with XXXX XXXX regarding this debt being expired. Instead of them correcting the error they went an updated the account with an unverified delinquent payment date to continue to report after the 7 years statute of limitations have expired for this debt. This is an intentional error and they have not corrected or provided proof of debt as requested.
Consumer complaint received 2024-06-25
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 sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2023-01-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NY)

I opened an acct for my son in 2004. It had at least {$1200.00} in it. Citibank closed it with no notification to me and there is no history of the account ever existing. 
I have the paperwork from when I opened the acct and several deposit slips that are initialed and signed by the banker, that show deposits to the account. 
We never received any indication that the account was being closed. 
Citibank suggested that I file a missing funds report with the state but it doesnt seem that the funds are there. 
I dont know what to do. They have misplaced all of this money and have NO record of the account ever existing. 
We have contacted, via phone and in person, Citibank at least 5 times regarding this and they still have no record of this existing. 
Thank you.
Consumer complaint received 2024-06-22
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)

Complaint Details : Summary : I am filing this complaint to report violations of the Gramm-Leach-Bliley Act ( GLBA ) by XXXX XXXX XXXX and Equifax XXXX XXXX XXXX XXXX improperly shared my nonpublic personal information ( NPI ), specifically my payment history, with Equifax without my consent and in violation of privacy provisions under the GLBA. Equifax also violated consumer protection laws by accepting and using this unauthorized information. 
Details : 1. Nature of Information Shared : o The information shared includes detailed aspects of my payment history, such as on-time payments, late payments, and missed payments. This constitutes nonpublic personal information ( NPI ) as defined under 15 U.S.C. 6809, which includes " personally identifiable financial information. '' 2. Unauthorized Disclosure : XXXX XXXXXXXX XXXX XXXX reported this payment history to Equifax without my explicit consent. This disclosure was made outside the permissible parameters set forth in the GLBA. 
XXXX. Violation of Privacy Standards : o The Gramm-Leach-Bliley Act requires financial institutions to protect the confidentiality and security of XXXX and to provide consumers with privacy notices explaining how their information is collected, used, and shared. XXXX XXXX XXXX failed to provide an adequate privacy notice and did not offer an opt-out option as mandated by the Act. Equifax, by accepting and using this information, also failed to ensure compliance with privacy standards. 
Specific Consumer Laws Violated : 1. 15 U.S.C. 6801 ( GLBA ) : Protecting the confidentiality of XXXX. 
2. 15 U.S.C. 6802 ( GLBA ) : Providing privacy notice and opt-out options.

3. 15 U.S.C. 6803 ( GLBA ) : Initial and annual privacy notices.

4. 15 U.S.C. 1681b ( FCRA ) : Permissible purposes for consumer reports. 
5. 12 U.S.C. 5531 ( Consumer Financial Protection Act of 2010 ) : Prohibiting unfair practices.

6. 15 U.S.C. 45 ( Federal Trade Commission Act ) : Prohibiting unfair or deceptive acts. 
Calculation of Fines : Each violation incurs a fine of {$1000.00}. With XXXX violations identified for both XXXX XXXX XXXX and Equifax, the total fines for each entity would be : XXXXviolations XXXX XXXXper violation= {$6000.00}
Consumer complaint received 2024-06-22
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. (CO)

There is a closed XXXX XXXX credit card that is showing paid and closed. I have disputed this repeatedly XXXX XXXX recognizes that this card doesn't exist in my name the payment history XXXX this card is wrecking my credit score. I am demanding XXXX from XXXX transunion and XXXX for refusing to remove this alleged item as per the FCRA plus the deletion and updated credit report showing the deletion. I REPEAT XXXX  XXXX HAS CONFIRMED THIS CARD/ACCOUNT DOES NOT EXIST.
Consumer complaint received 2024-06-25
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)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

Subject : Dispute of Collection Account Due to Identity Theft Dear Sir/Madam, I am writing to dispute the collection account listed on my credit report with your agency. The account in question is XXXX Credit Card, and it is being reported as a result of identity theft. I have recently discovered that this account is fraudulent and was opened without my knowledge or consent. I believe that my personal information was compromised, leading to the unauthorized opening of this account. As a victim of identity theft, I am formally disputing the validity of this debt and request that it be removed from my credit report immediately. To support my claim of identity theft, I have attached the following documents for your review : - A copy of my identity theft report filed with the Federal Trade Commission ( FTC ). I request that your agency conduct a thorough investigation into this matter as required by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I also request that you provide me with written confirmation once the investigation is complete and the fraudulent account has been removed from my credit report. Please be advised that I am exercising my rights under federal law to dispute this debt resulting from identity theft. I expect full cooperation from your agency to resolve this matter promptly and accurately. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-26
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 appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be corrected right away. 
XXXX XXXX XXXX
Consumer complaint received 2024-06-26
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)

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. The following accounts need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-26
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. (FL)

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. 

XXXX Original Creditor : XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX  XXXXXX*********** Balance Owed : {$12000.00} XXXX  XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$6500.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2024-06-12
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. (TX)

In accordance with the Fair Credit Reporting Act this creditor, XXXX XXXX XXXX : # XXXX has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604 ( a ) section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 ( 2 ) And pursuant to 15 USC 1666b " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. '' I demand my late payment ( s ) be updated to paid on time according to these U.S. laws.
Consumer complaint received 2024-06-26
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)

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX XXXXXXXX XXXX XXXX : {$4000.00}
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I contacted Equifax on XX/XX/2024 regarding inquiries on credit report. Since then, I no longer have a scorable Equifax account and have not addressed the issue of unauthorized inquiries. I'm attaching bill with name and address, SSN card, original letter, certified copy of their receipt, and my previous Equifax score from XX/XX/2024.
Consumer complaint received 2024-06-25
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. (SC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-26
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)

I have items 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 that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (NY)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-06-12
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. (SC)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-26
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. (SC)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the XXXX FCRA XXXX ( XXXX U.S.C. XXXX ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

i have contacted XXXX Equifax and XXXX  to remove fraudulent collection accounts From my credit file to no avail. I have submitted the ID Theft reports going back to 2014 and earlier and the accounts continue to reappear on my reports after they were previously removed. there should be no collection accounts or delinquent accounts on my credit bureaus
Consumer complaint received 2024-06-25
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. (VA)

I am writing regarding a serious issue involving the re-insertion of inaccurate information in my credit report by Equifax. This complaint is being filed pursuant to the Fair Credit Reporting Act ( FCRA ) to address the following violations and seek appropriate relief. 

Previously, XXXX XXXX identified XXXX inquiries on their credit report that were inaccurate. After filing a dispute with Equifax, these inquiries were investigated and subsequently removed from XXXXXXXX XXXX credit report. However, it has come to our attention that these same inaccurate inquiries have been re-inserted into my credit report without proper notification or justification. 

Violations of the FCRA : Under the Fair Credit Reporting Act, Equifax is required to adhere to strict guidelines when handling consumer credit information. The following violations have been identified in this case : Re-insertion of Previously Deleted Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) : Equifax has violated FCRA by re-inserting information that was previously deleted without following the mandated procedures. Specifically : 1. Notification Requirement : Equifax failed to provide XXXX XXXX with a notice of re-insertion within five business days as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ).

2. Certification Requirement : Equifax did not obtain or provide Tracey Byrd with a certification that the information was accurate and complete, which is a prerequisite for re-insertion under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( i ).

3.Failure to Maintain Reasonable Procedures ( 15 U.S.C. 1681e ( b ) ) : Equifax has failed to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2024-06-22
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. (FL)

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 2024-06-26
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: EQUIFAX, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/year> XXXX  XX/XX/year>