davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

To Whom It May Concern, I am writing to express my profound disappointment and grave concerns regarding the accuracy of my personal information on file with your esteemed institution. While perusing my credit report, I was dismayed to discover discrepancies that have raised significant questions about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, which I have attached to this letter for your thorough review. I earnestly request that you investigate this matter and take prompt and necessary actions to rectify any errors and update my personal information in a timely and precise manner. Your cooperation and assistance in this regard are paramount to retaining my trust and confidence in your institution. 

Employer - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (HI)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-03
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. (CO)

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 2024-10-03
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. (IA)

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 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I sent a request to verify two bankruptcies on my credit report the information that appears is incorrect and was verified through a 3rd party and I wanted the information to be directly verified with the court the following was sent to the credit bureau by certified mail and included a copy of my driver license and a utility bill 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 Request for Direct Verification of Bankruptcy Information Reference : XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to formally dispute the information related to bankruptcy case XXXX XXXXXXXX as reported on my credit report by Equifax. Specifically, the filing date listed for the bankruptcy is incorrect. 

Under the Fair Credit Reporting Act ( FCRA ), I request that Equifax directly verify this information with the court where the bankruptcy was filed and provide me with evidence of the accuracy of the information, including a copy of the original court documentation reflecting the filing date. 

If Equifax is unable to verify this information through direct contact with the court or provide proper documentation of the filing, I request that the inaccurate information be removed from my credit report.

Please treat this as a formal dispute, and I would appreciate a prompt response within the 30-day period allowed by the FCRA. 

Thank you for your attention to this matter. I look forward to receiving confirmation that this issue has been addressed. 

Sincerely, 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  : Request for Direct Verification of Bankruptcy Information Reference : Bankruptcy Case XXXX XXXXXXXX Dear Sir/Madam, I am writing to formally dispute the information related to bankruptcy case XXXX XXXXXXXX as reported on my credit report by Equifax. Specifically, the filing date listed for the bankruptcy is incorrect. 

Under the Fair Credit Reporting Act ( FCRA ), I request that Equifax directly verify this information with the court where the bankruptcy was filed and provide me with evidence of the accuracy of the information, including a copy of the original court documentation reflecting the filing date. 

If Equifax is unable to verify this information through direct contact with the court or provide proper documentation of the filing, I request that the inaccurate information be removed from my credit report. 

Please treat this as a formal dispute, and I would appreciate a prompt response within the XXXX period allowed by the FCRA. 

Thank you for your attention to this matter. I look forward to receiving confirmation that this issue has been addressed. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

This account has been requested to be removed ASAP How ever this account is in error not authorized by me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (CA)

I lost my synchrony chevron card awhile ago ( XXXX ). They canceled the card and replace the card account ending in XXXX. Then suddenly out of the blue I get a {$250.00} refund check. Which I thought was strange. I deposited the check. After that, they never informed me that they made a mistake. Then out of the blue the old account shows {$250.00} owing and that it is in arrears. I called them and they identified they had made a mistake sending me the {$250.00}. I made a payment over the phone for the {$250.00} so we could call it a day. About a month later I go onto my account and there is the same {$250.00} owed and in arrears. I have been on the phone all day with them. They told me that the phone payment was not excepted. But they said the payment attempt was on XX/XX/XXXX. That is a blatant lie. I had major XXXX on XX/XX/XXXX and was in the care of my sister XX/XX/XXXX. I have no idea what these people are doing and I need help. XXXX XXXX XXXX XXXX. I do have some short term memory loss due to XXXX. I have no idea why they would lie about the date I made payment. I am requesting records from my bank.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

URGENT COMPLAINT Equifax 's Refusal to Remove Fraudulent Accounts Despite Identity Theft Documentation I am writing to formally lodge a complaint against Equifax for their blatant refusal to remove fraudulent accounts from my credit profile, despite overwhelming evidence that I am a victim of identity theft. These actions violate the Fair Credit Reporting Act ( FCRA ) and my consumer rights. 

Two fraudulent accounts remain on my credit profile : XXXX XXXX XXXX XXXX XXXXXXXX This account is completely unauthorized and fraudulent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This account is fabricated and has no legitimate basis to appear on my credit report. 
I have taken all appropriate steps to address this identity theft, including providing Equifax with the FTC Identity Theft Report, an affidavit signed under penalty of perjury, and all relevant supporting documentation. Equifax has failed to act on this information and has continued to report these fraudulent accounts, jeopardizing my financial health and damaging my credit profile. 

Violations : Equifaxs refusal to remove these accounts is a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S. Code 1681c-2 Block of Information Resulting from Identity Theft : Equifax is required by law to block fraudulent information upon receiving documentation that an account is the result of identity theft. I have complied with all requirements, yet these accounts remain on my report. 
15 U.S. Code 1681i Procedure in Case of Disputed Accuracy : Equifax has failed to conduct a proper reinvestigation of these accounts and continues to report incorrect information despite clear evidence. 
Equifaxs Negligence : Equifaxs negligence in this matter has caused severe financial and emotional distress. Their refusal to remove fraudulent accounts even after receiving the necessary documents is unacceptable. I am demanding immediate action from your office to hold Equifax accountable for their failure to comply with federal laws and to protect consumers like myself from further harm.
Consumer complaint received 2024-10-03
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. (VA)

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :
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)

My accounts was never late! I have had exceptional payment history with XXXX 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 to be removed/updated.

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.

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!
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I reached out to Equifax to understand why they were displaying XXXX separate hard credit inquiries with XXXX different mortgage lenders. 

The information on their website states that all new mortgage loans are generally counted as XXXX inquiry for a given period of time ( 14 - 45 days ). 

I asked them why they were not displaying these XXXX separate hard credit inquiries as XXXX inquiry as is mentioned on their website : https : //www.equifax.com/personal/education/credit/report/articles/-/learn/understanding-hard-inquiries-on-your-credit-report/ I was told that this was not true by an agent named XXXX, saying that these mortgage lenders hard inquiries are supposed to be showing as XXXX separate inquiries even though they were pulled within a couple of days of each other in XX/XX/year>. As you can see, this information is not in-line with information that displays on their website. These are showing as XXXX separate inquiries and as a result has hurt my credit. 

I escalated the call and spoke to a " XXXX '' who did not seem to understand what I was saying and kept mentioning that they can only file a dispute on my behalf if these inquiries are fraudulent. 

They did not seem to understand that I was not questioning whether or not the inquiries were fraudulent- they are not fraudulent. They refused to listen to me when I shared that the way they were reporting this information is not accurate. 

I kept telling her this was not the issue and to please transfer me to a department that could better understand that the hard inquiries are not displaying correctly on my account. She refused to do so and started to speak in a way so that I could not understand her even though I repeatedly told her I did not understand what she was saying. She also refused the escalate the call. Very unprofessional and felt that I was being pushed aside. I will not stop until my account is corrected.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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


TransUnion 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 2024-10-03
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. (IL)

I am writing to formally express my deep concern regarding the unresolved disputed accounts on my credit report. Despite my repeated requests for thorough investigations into the inaccuracies I have identified, no corrective actions have been taken thus far. These erroneous entries are negatively impacting my credit file and significantly affecting my ability to manage my financial obligations and lead a normal life. 

The ongoing presence of these inaccuracies has created immense hardships, and I am left with no choice but to ask for your immediate assistance in resolving this matter. I kindly urge your organization to conduct a detailed review of each of the disputed accounts on my credit report and take the necessary steps to correct any errors without further delay. 

It is critical that the accuracy and integrity of my credit report be restored as soon as possible so that I can regain control over my financial health. I sincerely request that this matter be given your highest priority and that swift action is taken to rectify the situation. 

Thank you for your prompt attention to this urgent matter. I greatly appreciate your support and cooperation in resolving this issue.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NH)

On XX/XX/year>, I submitted a 605B deletion request to Equifax through CFPB complaint # XXXX. This request included all necessary documentation, such as a sworn crime report, proof of identity, and proof of address, to block fraudulent information from my credit report due to identity theft. However, as of today, no action has been taken on my request, which should have been processed within XXXX business days according to FCRA Section 605B. 

On XX/XX/XXXX, I called Equifax and spoke with Supervisor Sham ( Case # XXXX ) to follow up on the status of my 605B deletion request. I was informed that the dispute was still under investigation. On XX/XX/XXXX, I called again and spoke with Supervisor XXXX ( XXXX # XXXX ), who also told me that the investigation was ongoing. I reminded him that FCRA 605B mandates no further investigation is required from creditors once a sworn identity theft affidavit and supporting documentation are submitted. 

On XX/XX/XXXX, I spoke with a supervisor named XXXX ( XXXX # XXXX ), who claimed to be the highest-level authority available to discuss my case. XXXX informed me that my 605B identity theft dispute could not be blocked, and I would need to wait for 30 days for the investigation to close. I explained that, per the law, the investigation should not be necessary for a 605B deletion request, but he said there was nothing more he could do.

This raises serious concerns about the handling of my 605B request, as I believe it is being improperly treated as a standard dispute rather than an identity theft deletion request, which should have been addressed within XXXX business days. Additionally, I believe this failure to act violates FCRA Section 605B.

Furthermore, I have submitted complaints to credit reporting agencies ( CRAs ) regarding accounts that are the result of identity theft and should not be on my report. These accounts were allegedly " verified '' without any transparency regarding the sources used for verification. Under FCRA 611, I request that the CRAs provide the sources of information they relied upon in verifying these disputed accounts. If the CRAs can not produce valid sources, I demand that all contested items be removed from my credit report, as required by law.