davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-24
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)

I benn a victim of identity theft. I contacted Equifax and told them for this inquiries are fradulent and provided proof. even thought they told me that this inquires were verifed .My personal information been used to obtain good and services.Please dispute and remove this fradulent infromation on my credit report XXXX XXXX  XXXX bank XXXX XX/XX/year> XXXX  XXXX ( bank ) XX/XX/year> XXXX
Consumer complaint received 2024-06-24
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 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 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 2024-06-19
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. (MO)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2024-06-19
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. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-06-24
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 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 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Discovering an error implying a late payment on my account is troubling, especially given my history of consistently meeting payment deadlines. This discrepancy is causing undue stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.
Consumer complaint received 2023-06-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I sent a letter asking Capital One Auto Finance, Inc.to investigate my accounts. Here is my tracking number : Certified Mailing # XXXX XXXX XXXX XXXX XXXX. It has been over 30 days. These consumer reporting agencies are in violation. According to 15 USC 1681i - Capital One Auto Finance, Inc.investigate and Handling this contract has been dishonorable in results my vehicle be unlawfully redo .And They also didnt even record the current status of the money order I tender information which is another violation. I have other violations of all the evidence attached below. 
Mileage was incorrect My signatures is not on the receipt for deposit Vehicle service contract Purchase price incorrect Money order / Confirmation Cashed In good faith and honor I tendered a payment according to Handwriting on the front face of money order example below / Money Order serial /Certified Mailing Number below Certified Mailing # XXXX Money Order serial # XXXX In good faith and honor I tendered a payment according to I Accept your offer in the amount of {$25000.00} for valuable consideration and tender the payment complete amount in accordance and satisfaction upon rendering this instrument By with or without recourse XXXX XXXX Evidence Installment Sales Contract Car-fax Vehicle Report Vehicle Service Contract Application Letters Copy of Money Order Copy of Credit Report Invoices
Consumer complaint received 2024-06-24
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)

The accounts listed below are fraudulent and were opened or used without my permission. I have spoken with the companies involved, and they requested I file a report with the FTC and provide details of what occurred. I have no knowledge of these events. 

These accounts are incorrectly reported on my credit report, and I do not recognize them. Beyond these facts, I have no additional information. 

XXXX  XXXX XXXX, XXXX  XXXX XXXX and XXXX  XXXX.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-06-24
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)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

To Whom It May Concern, I am writing to formally dispute the accuracy of information on my XXXX XXXX account, which is adversely affecting my credit report. The details of my account are as follows : Account Number : XXXX Account Opening Date : XX/XX/XXXX Upon reviewing my credit report from all credit Bureaus, I noticed significant discrepancies in the payment summary and collection status of my XXXX XXXX account. Specifically : Missing Data Entries : The payment summary indicates no data available for XXXX  2022XX/XX/XXXX and XX/XX/XXXXXXXX  2023. However, despite these gaps, the account status shows it has been in collections continuously from 2019 to the present day. 

Incorrect Collection Reporting : The account status inaccurately portrays continuous collection activity from 2019 onward, which does not align with the actual history of the account. 

These inaccuracies are concerning as they impact my creditworthiness and misrepresent my payment history with XXXX XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681g, I am entitled to request and obtain all information in my file maintained by a consumer reporting agency, which includes accurate reporting from data furnishers like XXXX XXXX. Additionally, under 15 U.S.C. 1681 ( a ) ( 4 ), consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

The FCRA also mandates that if information can not be verified during an investigation, it must be promptly deleted from my credit report. Therefore, I request that you : Conduct a thorough review of my account history and correct any inaccuracies in the payment summary and collection status. 
Provide me with a written confirmation of the investigation results and any corrections made. 
If you are unable to verify the disputed information, delete it from all major credit bureaus which includes XXXX, Equifax, XXXX and XXXX. 
Please acknowledge receipt of this dispute within XXXX  days as required by the FCRA. You can reach me at mail or email if you require any further information or clarification. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution of this dispute.
Consumer complaint received 2024-06-19
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. ()

Hello XXXX I asked XXXX, XXXX, and Equifax to XXXX these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX 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.

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Date XX/XX/2024 To Whom it May Concern : I recently pulled a copy of my credit report and noticed the following information are in error : Name And Addresses XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX With the amount of identity theft going on, I am very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report Sincerely, XXXX XXXX
Consumer complaint received 2024-06-19
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 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 2019-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA (GA)

On XX/XX/2019, I completed a Balance Transfer request with First Bankcard for {$850.00}. The offer was for 6.99 % fixed APR and a transfer fee of the greater of {$10.00} or 1 % of the balance. On XX/XX/2019, they provided a statement to me indicating that I had been charged the {$10.00} fee and {$1.00} for the minimum interest charge. Additionally, the statement indicated that I still had AutoPay on to pay the full statement balance. At some point after the statement was released, but prior to a week before the AutoPay was supposed to happen on XX/XX/2019, I changed my AutoPay selection to pay the minimum payment instead. I believe that this was done immediately after seeing the statement, but I did not receive any confirmation when I changed the AutoPay option. However, on XX/XX/2019, my checking account was still debited for the full statement balance. I contacted First Bankcard on XX/XX/2019 after I noticed the full statement balance had been incorrectly debited from my account. They were not able to resolve my complaint.
Consumer complaint received 2024-06-24
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. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, I recently reviewed my credit report and found that you have violated my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, you have violated : 15 USC 1681 Section 602, which grants me the right to privacy.

15 USC 1681 Section 604 ( a ) ( 2 ), which states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666b, which mandates that a creditor may not treat a payment on a credit card account as late if they haven't ensured that the periodic statement, including required information, is delivered to the consumer at least 21 days before the payment due date. 
The accounts in question are as follows : XXXX XXXX  XXXX Account XXXX Late Payment I never gave you or the listed creditors any written instruction to furnish information on my consumer report, which constitutes a violation of 15 USC 1681b. Your actions have caused severe stress and XXXX  due to your abusive and unfair practices. 
It is incorrect to list these accounts with late or missed payments. The above-listed accounts were never late and should be marked as " Pays as Agreed '' or " Paid as Agreed. '' In accordance with the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please provide concrete evidence and all documentation proving that I am or have been late. I understand that you will recheck these items with the creditors who posted them.

Please remove any unverifiable information. Under 15 USC 1681i ( a ), you must complete this investigation within 30 days of receiving this letter. Kindly send an updated copy of my credit report reflecting the requested changes. 
Best regards, XXXX XXXX
Consumer complaint received 2024-06-19
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$220000.00} XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX XXXX XXXX : {$9000.00}
Consumer complaint received 2024-06-24
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 NAME IS XXXX XXXX XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX ny XXXX Todays date XX/XX/year> I have I have recently disputed this account it was updated but my request was to DELETE credit card ACCOUNT NAME : US DEPARTMENT OF EDUCATION ACCOUNT # : XXXX THIS ACCOUNT IS REPORTING 3 TIMES WITH DIFFERENT LIMITS THIS IS GROUNDS FOR REMOVAL AND DELETION 20 U.S. Code 1087e - Terms and conditions of loans 20 U.S. Code 1087dd - Terms of loans 15 U.S. Code 1681c2 - Block of information resulting from identity theft 15 U.S. Code 1692e - False or misleading representations 15 USC 1681 I ( 7 ) - METHOD OF VERIFICATION 15 USC 1681B - PERMISSIBLE PURPOSE Identity theft laws under 18 U.S.C. 1028 makes it a crime to misuse someone's identifying information, whether personal or financial. Personal identifying information can include social security numbers, driver 's license number, credit card or bank account information, and PIN numbers obtained through the internet. DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT IT HAS BEEN ALMOST BASICALLY 30 days CREDIT BUREAUS XXXX IS IN VIOLATION OF THE FAIR CARES ACT LAW. This account was NEVER opened by me Iam a FEDERALLY PROTECTED CONSUMER of the USA as a consumer I demand this account to be DELETED PERMANENTLY ASAP. I have already made an identity theft claim thank you.
Consumer complaint received 2024-06-19
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)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX : {$XXXX} XXXX XXXX XXXX XXXX : {$XXXX}
Consumer complaint received 2024-06-24
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 writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

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 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

On XX/XX/year>, I wrote letters to both Equifax and XXXX regarding reporting errors on my credit reports. I notified them that I was never late on my payments and provided evidence of inaccuracies straight from my credit reports. Despite my efforts, neither company responded to my disputes nor did they enter a notice of dispute from XX/XX/XXXX to XX/XX/year>. Additionally, they have not provided me with any results from their investigations. 

Upon reviewing my attached documents, you will find the account in question showing the following discrepancies : XXXX : XXXX late payments Equifax : XXXX late payment XXXX : XXXX late payments It is perplexing how the same account can have different late payment reports across different credit bureaus. Specifically, XXXX month XXXX indicates I was late, then the next month I wasnt late, while XXXX reported late payments for the XXXX months prior. Meanwhile, Equifax reported on-time payments in the previous month. 

This situation is extremely frustrating and has caused undue stress. I request the removal of all late payments from this account and an update to reflect " paid never late. '' Thank you for your prompt attention to this matter. 

Attachments : Letters sent to Equifax and XXXX dated XX/XX/year> XXXX reports showing discrepancies
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Do you know or have any idea how distressing it is when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively impacted both my credit score and my life, it is my literal lifeline during emergencies, and every paycheck is an emergency.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

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.