davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

My account with XXXX was never late! I have had exceptional payment history with XXXX 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 XX/XX/year> 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. 


XXXX 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 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Late notations on my account have never been a common occurrence as I am a responsible and punctual payer. I kindly request your understanding regarding the late remarks on my report, and I am committed to settling them as agreed. I aim to clear all the late remarks on my report, and I am eager to maintain a positive record with you.
Consumer complaint received 2024-06-18
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 provided all XXXX pieces of information and expect these listed accounts to be deleted and blocked within four business days of your receipt of this notice ; otherwise, you are in violation of my rights under the FCRA once again! If you do not initiate an investigation regarding my dispute and delete this information within 4 business days of receiving this notice per 15 USC 1681c-2, as is my right under the FCRA, I will have to take legal action to protect my credit rating and myself. Each violation of the FCRA allows for damages of {$1000.00} should this matter be brought to court. 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) essentially states that if a person willfully violates any requirement of the FCRA with respect to a consumer, they are liable to that consumer for any actual damages suffered as a result. If actual damages can not be determined, the consumer can still receive statutory damages ranging from {$100.00} to {$1000.00}. This provision ensures that consumers are protected and have recourse if their rights under the FCRA are willfully violated.
Consumer complaint received 2023-05-31
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: EQUIFAX, INC. (MD)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX  CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX ; XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, DC XXXX ; XXXX XXXX XXXX Balance XXXX {$3900.00} ; XXXX  XXXX XXXXXXXX Balance : {$530.00} ; XXXX/XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$20000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1000.00} ; XXXX/XXXX  XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-02-13
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. (TX)

On XXXX XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes FederaXXXX law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXXXXXX XXXX  XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} CXXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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. (DC)

In accordance with the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told/informed XXXX, XXXX, and Equifax to reinvestigate and or remove these accounts : FRAUDULENT ACCOUNTS : XXXX. XXXX XXXX * Date Opened : XX/XX/XXXX FRAUDULENT HARD INQUIRIES : XXXX. XXXX XXXX * Opened Date : XXXX XXXX, XXXX In addition to, the Credit Agencies stated everything was complete, accurate, and all the fraudulent items will be removed and or blocked in

the 4 business days allowed with the law & in accordance to Consumer Law ( FCRA ) 15 U.S.C 605B & 15 U.S.C 1681 ; But the open date, date of last activity and much more is incorrect & fraudulent with these accounts on my Credit Profile. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. In conclusion, I would like to use the following Consumer Laws ( FCRA ) to my benefit in regards to my situation of Identity Theft and fraudulent, inaccurate & unauthorized items on my Credit Profile. The selected laws are as follows : 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 ], 15 U.S.C 1692c, 15 U.S.C 1601, 15 U.S.C 605B, 15 U.S.C 1681a-2, & 15 U.S.C 1681n.
Consumer complaint received 2022-01-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GOLDMAN SACHS BANK USA (GA)

I have reason to believe and do so believe the statement received on XX/XX/XXXX ( and all statements prior ) have been interest dividends or credit issued to me in the form of coupons or bonds. The evidence of this belief is due to my statements Ive received reflects as a positive balance on the account in reference to the full balance of {$6700.00}. If this was a debt owed this would be in a negative balance or this is a computational error. 
I have reason to believe and do so believe there has been a failure or mismanagement to properly apply credit issued to me in the form of coupons due to the misrepresentation of this account. I have been made aware of what an instrument is and at the date of this accounts conception I have issued instrument ( s ) which should have paid and tendered payment for services rendered from this account. 
The evidence of the credit being issued to me is my monthly statement which comes to me in a positive balance as an investor who funded this account with the securities and instruments given from the date of consummation. If I were to have owed a debt, this statement should be in a negative balance. I believe this is credit being issued to me and my endorsement has been needed in order to authorize how the credit should be applied to my account. 
In order to clarify that such credits on the account have not been misapplied, or any false claims of securities causing a tax liability has occurred due to this error, illegal securitizations, trades, hypothecations, interest, and proceeds fraudulently misapplied in my name, as beneficiary of the account, I require the documentary evidence which includes tax records, recordkeeping of both the journal and ledger entries in accordance with IRS publication 583 and other supporting financial records. 

My billing error notice has been mailed to your registered agent and the address found on my statement via certified on XX/XX/XXXX. 

XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Rocket Mortgage, LLC (NC)

On XX/XX/XXXX, I received a call from Rocket Mortgage regarding information regarding the process of a mortgage in the future. The rep stated he will need to access my credit report, when asked if it would be a soft or hard inquiry he stated it would be a hard inquiry, I then stated to NOT pull my credit, but it was completed without my authorization. I have reached out to Rocket Mortgage as well as escalated my concerns on several days XX/XX/XXXX, XX/XX/XXXX, XXXX. The phone call was pulled and reviewed where they acknowledge I stated do not pull my credit, but stated because I verified my information they are able to access my credit without my authorization. Ask again, you can access my credit when I say No because you have my information on file and was told yes.
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. (IL)

PLEASE BLOCKED AND REMOVED. 
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2023-08-03
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 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 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 2023-05-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (PA)

On XX/XX/XXXX, I contacted the collection agency via mail to request validation of the debt and to request that they cease communications with me until the debt could be verified. However, to date, I have not received a response from the collection agency regarding the validation of the debt. 

Subsequently, I contacted the agency 's dispute department and spoke with XXXX XXXX and I was informed that they had sent a validation debt letter to the original creditor on XX/XX/XXXX and were awaiting a response. I followed up with the agency on XX/XX/XXXX as advised, but they informed me that they still had not received the validation of the debt and then disconnected the call. 

Despite my efforts to resolve this issue with the collection agency, they have failed to provide the requested validation of the debt, which continues to negatively impact my credit score. I believe this is a violation of the Fair Debt Collection Practices Act and request that the CFPB investigate this matter further.
Consumer complaint received 2024-06-24
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)

XXXX XXXX XXXX XXXX XXXX XXXX Pa, XXXX **Consumer Financial Protection Bureau*XXXX XXXX XXXX XXXX XXXX, IA XXXX Dear CFPB, **Subject : Complaint Regarding Unauthorized Hard Inquiries on My Credit Report** I am writing to file a formal complaint against the inclusion of unauthorized hard inquiries on my credit report, which I believe constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b.

**Details of the Complaint : ** Upon reviewing my credit report from [ Credit Reporting Agencies : XXXX , Equifax , XXXX ], I discovered the following hard inquiries that I do not recognize and did not authorize : XXXX. **Inquiry Date : ** [ XX/XX/year> ] **Inquiry Company : ** [ XXXX XXXX ] **Credit Reporting Agency** [ XXXX ] 2. **Inquiry Date : ** [ XX/XX/year> ] **Inquiry Company : ** [ XXXX XXXX ] XXXX*Credit Reporting Agency** [ XXXX ] 3. **Inquiry Date : ** [ XX/XX/year> ] **Inquiry Company : ** [ XXXX XXXX ] **Credit Reporting Agency** [ Equifax ] 4. **Inquiry Date : ** [ XX/XX/year> ] **Inquiry Company : ** [ XXXX XXXX ] **Credit Reporting Agency** [ XXXX ] **Violation of the Law : ** Under the FCRA, 15 U.S. Code 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, such as with the consumer 's written authorization or for certain permissible purposes. These inquiries were made without my consent or knowledge, which is a clear violation of the FCRA. 

The unauthorized access to my credit report has negatively impacted my credit score and caused me significant distress. I have not applied for credit with the above-mentioned companies, nor have I given permission for them to access my credit report. 

**Request for Action : ** I request the CFPB to investigate this matter and ensure the immediate removal of these unauthorized hard inquiries from my credit report. Additionally, I seek assurance that corrective actions will be taken to prevent such violations from recurring. 

With this Complaint are copies of my credit report highlighting the unauthorize inquiries, along with a copy of my identification for verification purposes. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-22
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States 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 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 2024-06-24
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. (IA)

I have placed a dispute into Equifax on 4 different occasion for incorrect reporting on my credit report. I have two ( 2 ) accounts reporting on my credit that are to old to be reporting as both accounts are over XXXX XXXX XXXX. Both accounts are from XXXX XXXX XXXX XXXX XXXX. One account was a credit card ( account ending in XXXX ) and the other was an auto loan ( account ending in XXXX ). I submited a dispute for the first time in XXXX of XXXX  and they reported back that the information on the account was accurate. I resubmitted an dispute in XXXX about the information not being correct/incorrect reporting and got another letter stating it was correct. On XX/XX/XXXX, I called Equifax and spoke with a gentleman there that even stated that the account was to old to be reporting on my credit, apologized, and offered to start another dispute, once this dispute was completed I was never sent a resolution letter and the accounts are still reporting on my credit report. These two accounts have been removed off both my experian and my transunion but they won't remove it off my Equifax. Below are the 4 despute numbers and dates that I have submitted to get these two accounts removed off my credit. They are also showing only 10 months old and 2 months old on Equifax website when they are clearly over XXXX XXXX XXXX. 

XX/XX/year> - XXXX XX/XX/year> - XXXX XX/XX/year> - XXXX XX/XX/year> - XXXX ( active dispute ) Thank you for any assistance on getting this resolved
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 — Investigation took more than 30 days
Company: EQUIFAX, 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 Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am writing to file a dispute regarding inaccurate late payment entries on my credit report. Upon thoroughly reviewing my payment records, I discovered these erroneous late payments listed, despite my accounts being current. Over 30 days ago, I submitted correspondence contesting these entries and requesting validation, but regrettably, I have not received a response or satisfactory resolution. I am respectfully seeking your prompt assistance in rectifying this issue.
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. (MI)

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.

has violated my rights. Or a list of inquiries : 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 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.