davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

Since the latest security breach I tried twice to freeze my credit report. I got it done on the phone automated system with XXXX XXXX. But Equifax has proved very resistant to freezing my credit report. The first time I called them their system kept generating weird questions about purchases I might have made 20 years ago and didn't accept my answers. I tried again tonight, found the automated system very messed up. Finally it transferred me to an agent, " XXXX, '' who asked my name, social, address, phone #, dob, & email. Then he said I have to upload my driver 's license and a selfie. I said no thanks. The number I called for Equifax is XXXX
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

My account with Equifax was never late! I have had exceptional payment history with XXXX  XXXX 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 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.

Equifax 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 2023-10-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: OLIPHANT FINANCIAL, LLC (GA)

XX/XX/2023 I noticed an account on my credit reports from a random third party called Oliphant that I never had any business relationship with.

Oliphant was attempting to collect on a debt in the amount of {$900.00} allegedly on behalf of a company called XXXX that I never had any business relationship with. 
I have had my identity stolen and sent Oliphant a letter via certified mail XX/XX/2023 notifying them about this fraudulent account including a copy of my Identity Theft report asking them to please delete the fraudulent account from my credit reports.

I also disputed this fraudulent Oliphant account with the credit bureaus.

Oliphant however continued reporting this fraudulent Oliphant account with the credit bureaus. 
XX/XX/2023 I noticed Oliphant still reporting this fraudulent Oliphant account with the credit bureaus.

I then sent Oliphant a DEBT VALIDATION LETTER via certified mail XX/XX/2023. 

Pursuant to the FDCPA 15 U.S.C. 1692g ( b ) Oliphant was required to cease collection efforts until the alleged debt was validated but failed to do so. 
Oliphant continued reporting the alleged debt to the credit bureaus in its attempts to collect on the alleged debt thereby violating the FDCPA 15 U.S.C. 1692g ( b ).

I saw the fraudulent Oliphant account XX/XX/2023 on my credit reports. 

I then sent Oliphant a FAILURE TO RESPOND letter via certified mail XX/XX/2023. 

Oliphant violated the FDCPA 15 U.S.C. 1692e ( 2 ) In its attempt to collect on an alleged debt by falsely representing the character, amount, or legal status of any debt. 

Oliphant violated the FDCPA 15 U.S.C. 1692f In their attempts to collect on the alleged debt by collecting an amount that was not expressly authorized by an agreement creating the debt or permitted by law.

Oliphant violated the FDCPA 15 U.S.C. 1692g ( b ) by not ceasing collection efforts until the debt was validated.

Case law is well settled that reporting an alleged debt to the credit reporting agencies is " an attempt to collect on a debt ''.

Pursuant to the FDCPA 15 U.S.C. 1692g ( b ) Oliphant was required to cease collection efforts until the alleged debt was validated but failed to do so.

Oliphant continued reporting the alleged debt to the credit bureaus in its attempts to collect on the alleged debt thereby violating the FDCPA 15 U.S.C. 1692g ( b ).

Additionally, Oliphant FAILED TO RESPOND to the DEBT VALIDATION LETTER within 30 days causing me to send a FAILURE TO RESPOND letter via certified mail September 2, 2023.

I saw the fraudulent Oliphant account XX/XX/2023 on my credit reports and it is still there as of this filing.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-03
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. (AL)

Equifax and XXXX reporting inquiries on my credit report and collection that is not accurate I requested the inquiries and collection be removed according to .Obligations of Credit Reporting Agencies ( 15 U.S.C . 1681e ) Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy in the information they report and are required to correct or delete inaccurate, incomplete, or unverifiable information when a consumer disputes it. As well according to 15 USC 1692f Unfair Practices. A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt
Consumer complaint received 2024-10-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation (GA)

On XX/XX/XXXX, a second modification agreement was made to my retail installment contract for a XXXX XXXX XXXX. The company who financed the truck is " Bridgecrest ''. The original maturity date was XX/XX/XXXX. The first deferment changed the maturity date to XX/XX/XXXX. Since XX/XX/XXXX, I have made all payments on time and even ahead of time in some cases. My last payment ( New Maturity Date ) is supposed to be XX/XX/XXXX. I made that last payment on XXXX  XX/XX/XXXX instead. 

I called them today to make sure that my title will be sent to the correct address. They are saying that I still have a huge remaining balance. There is no way that is correct. I have the documentation FROM THEM to prove that there's a discrepancy on their part. And so they are expected more money on a vehicle that, by all accounts, is paid off.
Consumer complaint received 2024-10-03
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)

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

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/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Consumer complaint received 2024-10-03
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)

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

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/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
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: Experian Information Solutions Inc. (FL)

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 XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-10-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

I contacted a XXXX account that was advertising rent stabilized apartments for rent at affordable prices. In my XXXX  I reached with interest in seeing the apartments that were available. I was XXXX and sent {$150.00} dollars for an application fee that was told would be used towards the apartment. Several days passed and was transferred over to the property supervisor who asked for XXXX as a security deposit. They said that they were able to reduce the security deposit by 50 %. I was already suspicious since I already paid them money before I was even able to see the apartment. So instead I requested the money and was moved onto the next stage without question. They were using the names XXXX XXXX, XXXX XXXX, and XXXX XXXX. There were also a few XXXX accounts they used to receive money, all using different names and accounts that may have been stolen. Luckily I did not send them my SSN but they had a website that was used to collect all of that information. XXXX They were using stock photos of women and pretended to be an actual real estate agent that that is relatively local to the area. 
They used XXXX XXXX letterheads on a document that seemed legitimate at first glance. 
They communicated through XXXX and XXXX using business accounts. When I confronted them they seemingly disappeared. 
I have the names and phone numbers they were using to conduct the scam.
Consumer complaint received 2024-10-03
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. (PA)

This company has been allowed to post dept on my credit profile XXXX years and Ive file complaints about with the credit report agencies but nothing is being done to rectify the situation and it this continues to negatively impact my credit score. Ive never been involved or done business with this company!
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: Experian Information Solutions Inc. (VA)

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 2023-04-14
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: Experian Information Solutions Inc. (MD)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-10-04
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 recently reviewed my credit report and noticed an account that is not reporting accurately. I am showing 30 days late on the account. This company has never notified me that I was about to be late nor notified me that I am late. I was never notified and 15 U.S. Code 1666b - Timing of payments I have a right to be notified. I am requesting that this late payment be removed and updated and this account status be updated to paid as agreed and NOT from no more than 2 payments past due because this is inaccurate.The lack of notification by email or mail has caused a great deal of stress and is detrimental to my credit health. The consumer reporting agencies and furnishers have a legal duty to follow consumer laws. This situation was not handled within the legal realm of this code. I was not notified. Thank you for your prompt understanding and prompt action. I have reached out to this company in XXXX and have been told a manger would call me back but this company has totally ignored the damage that they have caused to mycredit for not following the law. i have also advised them that I have been greatly affected by Hurricane Beyrl and this has caused me not to obtain relief and resources. 
i have been attempting resolve this since XX/XX/year> and XXXX have ignored me.
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: Experian Information Solutions 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 2024-10-04
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)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

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 a account without my written instructions.
Consumer complaint received 2024-09-16
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. (LA)

The erroneous reporting of a late payment on my consumer credit report provided by XXXX XXXX, XXXX, and Experian. 
Creditor Name : XXXX  Account XXXX Date of Alleged Late Payment : XXXX XXXX Violation of 15 U.S.C. 1666 ( b ) : In accordance with 15 U.S. Code 1666 ( b ), I have the right to dispute any billing errors or unauthorized charges. The late payment reported by XXXX XXXX, XXXX, and Experian is incorrect and a violation of my rights under this statute. At no point did I make a late payment on the account listed, and any information suggesting otherwise is false. I have attached proof of timely payments made to the creditor, including bank statements and payment confirmations. 
Violation of 15 U.S.C. 1681 : Under the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S. Code 1681, I have the right to accurate information being reported on my consumer credit report. By falsely reporting a late payment, XXXX XXXX, XXXX, and Experian has violated this statute by failing to ensure that the information they report is accurate, complete, and up to date. This misinformation is damaging my credit score and standing, which constitutes harm. 
Request for Immediate Action : I hereby demand that XXXX XXXX, XXXX, and Experian : Immediately remove the erroneous late payment entry from my consumer credit report. Investigate this matter and correct any other inaccuracies related to my credit report. Provide written confirmation that the disputed item has been removed and the appropriate corrections have been made.
Consumer complaint received 2023-04-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX and XXXX of XXXX, I went on a XXXX XXXX. There was an issue with my sail and sign card giving me an error code of XXXX. I went from machine to machine and sometimes it worked fine and other times I received the error code. What I didn't know was every time I received the code, I was being charged. I showed 3 attendants at carnival what was going on and they did know what the code meant. When I showed them the error code I was charged XXXX, just for showing them what was going on. I received a print out of my charges and on the 1st day and 2nd day of the cruise I was charged around XXXX to XXXX. Its that did not make. I went from customer service to casino and they printed out a report that said I had charged it. I told them to look at the surveillance video and they would be able to tell what was going on. No one at XXXX or XXXX XXXX XXXXXXXX would listen to me and they never would allow me to view the surveillance. I called XXXX XXXX XXXX from the ship and the lady said she would look into it. A few days later the holds were lifted off of my account so I thought everything was good. As soon as I leave the ship they put the charges back on my accounts. I have several credit cards on file with XXXX and they were all charged the fraudulent charges and all of the cards keep putting the charges back on my accounts. Then I will call them again because XXXX keeps sending them the paperwork that says I charged that much. They will not send the surveillance which is what is needed. XXXX  XXXX allowed them to go over my credit limit by XXXX and they are refusing to adjust. I have been back and forth with them all and I am getting no where. This has been going on since the XXXX of XXXX in dealing with XXXX and I have been dealing with my credit cards since XX/XX/XXXX. Nothing is being resolved and I did not make those charges. My credit rating has dropped dramatically and no one will help. This is unfair and I want justice.
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. (FL)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.