davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-05
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. (CT)

I am filing a complaint against Equifax due to their failure to respond to my dispute letters within the required timeframe, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I mailed two dispute letters to Equifax via XXXX certified mail. The first letter, with tracking number XXXX, was delivered on XX/XX/year>. In this letter, I requested an investigation into the following inaccurate items on my report : XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Public Record Reference Number : XXXX. Additionally, I disputed the following incorrect personal information : Incorrect Name : XXXX XXXX XXXX. Please remove it from my credit report. Incorrect Addresses : XXXX XXXX XXXX, XXXX XXXX, CT, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT, XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CT, XXXX ; XXXX XXXX XXXX, XXXX XXXX, CT, XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, CT, XXXX ; XXXX XXXX XXXX, XXXX XXXX, CT, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CT, XXXX ; XXXX XXXX XXXX, XXXX XXXX, CT, XXXX. 
The second letter, with tracking number XXXX, was also delivered on XX/XX/year>. In this letter, I disputed the item XXXX XXXX XXXX XXXX and specifically requested Equifax to provide their method of verification. I asked for the specific date on which they initiated contact with the creditor regarding the disputed item, the complete contact information for the creditor including their business name, address, and any available telephone numbers, the full name of the individual at the creditor 's end who verified the accuracy of the disputed information, and the method ( s ) through which they communicated with the creditor to verify the accuracy of the disputed item ( e.g., phone, email, mail ). I also requested confirmation of whether the creditor supplied any sensitive personal information, such as Social Security Number, address, and date of birth, during the verification process. 
Despite providing all necessary documentation, including a copy of my photo ID, social security card, and a recent bill with my current address to help Equifax verify my identity and address, I have not received any response from Equifax regarding these disputes. 
According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. It appears that Equifax has violated my consumer rights by not conducting a reasonable investigation upon receipt of my disputes, which they are required to do in accordance with the Fair Credit Reporting Act. 
I am including a copy of my dispute letters sent to Equifax, along with XXXX certified mail proof of delivery, as evidence.
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$950.00} XXXX XXXX Balance : {$8400.00} XXXX XXXX  XXXX Balance : {$34000.00}
Consumer complaint received 2024-08-05
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)

My account with with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 those account 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.

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 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (OR)

I tried to use the card for a store purchase and it declined so I called support to find out why the card was not working. Support stated they had closed the account for being 90 days behind on payments and he said I had a credit for over payment. The XXXX payments were XXXX and the other payment of XXXX. He offered to send a check. I asked for documents showing how account became delinquent and he argued that it was my fault the account was closed and then hung up on me. They refused to provide documentation.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX, XXXX XXXX Balance : {$5700.00} XXXX XXXX, XXXX XXXX XX/XX/year>
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My account with US DEPT ED 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 in 60 days 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. US DEPT ED 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 XXXX
Consumer complaint received 2024-08-05
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 response from the credit reporting agencies indicates that the accounts were verified and updated. However, my credit report continues to show several inaccuracies. 

According to 15 U.S.C 1681i ( 7 ) regarding the Method of Verification, I am entitled to a clear explanation of the verification process your agency utilized. I am requesting a comprehensive account of each step taken to confirm the accuracy of these disputed items. 

Even with these investigations, my credit report still displays errors. I request the immediate removal of these inaccuracies from my report.
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy and according to 15 USC 1681eb they are supposed to ensure this Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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.

I have also requested proof of delinquency & have gotten no response while reaching out for my late payments to be adjusted and brought up to date. I have explained what happened multiple times.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I am writing as a protected consumer under federal law to report serious violations by the three major credit reporting agencies : Equifax, XXXX, and XXXX. Despite providing proof of my address and identification, these agencies have unlawfully reported unauthorized accounts on my consumer report without my written consent, in violation of 15 USC 1681b. This unauthorized reporting amounts to identity theft and libel per se, constituting defamation of character. Additionally, these agencies have engaged in aggravated identity theft by contacting third parties with my private information, violating 18 USC 1028A and 15 USC 1681A ( 3 ).

Furthermore, they have failed to meet the requirement for maximum accuracy in reporting, violating 15 USC 1681e ( b ) and 15 USC 1681i ( 5 ). My previous disputes and complaints have been ignored or inadequately addressed, demonstrating noncompliance with FCRA obligations. I have submitted proof of certified mail receipt.I demand the immediate deletion of the inaccurate accounts and a free copy of my updated credit report.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified several accounts that are reporting late payments inaccurately and I want to dispute the inaccuracy of these accounts. I have contacted the companies related with these accounts, and they have confirmed that the late payments were errors and have agreed to update my account and take off the late payments. I would like to convey to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly petition that you update my credit report to reflect these corrections. 



XXXX XXXX
Consumer complaint received 2023-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (AZ)

Purchased from XXXX shoe size XXXX, retailer shipped size XXXX. Was unable to resolved issue with retailer ( return options not available ) - hence filed a disputer with credit card company ( american express ). Credit card company denied the dispute- even though merchant was wrong.
Consumer complaint received 2024-08-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2020-03-10
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: DISCOVER BANK (NV)

XXXX  IS REPORTING A FRAUDULENT ACCOUNT ON MY CREDIT REPORT. SOMEONE STOLE MY INFORMATION AND PRETENDED TO BE ME. THE ACCOUNT WAS OPENED AND MAINTAINED WITHOUT MY CONSENT, NOW I AM REQUESTING XXXX  TO REMOVE THE FRAUDULENT DISCOVER ACCOUNT FROM MY CREDIT REPORT. I HAVE CONTACTED THE FEDERAL TRADE COMMISSION AGENCY AND THEY SAID BY CIVIL CODE FCRA 605 ( 10 U.S.C. & 1681c-2 ) THEY NEED TO REMOVE THIS FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. I HAVE CONTACTED THE CREDITOR WHICH IS DISCOVER AND I HAVE SUBMITTED MY IDENTITY THEFT REPORT O THEM AS WELL.
Consumer complaint received 2023-07-24
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. (TX)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OH)

Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in resolving an ongoing issue with credit bureaus regarding the removal of inaccurate bankruptcy information from my credit report. Also presenting copies of identification documentation such as Drivers License with current address, utility bill with current address, and ssn card. Despite my repeated attempts to address this matter since XXXX directly with XXXX, XXXX, and Equifax, they have failed to take appropriate action. 

For your reference, my personal information is as follows : - Full Name : XXXX XXXX - Address : XXXX XXXX XXXX, XXXX, OH XXXX - Date of Birth : XX/XX/XXXX  - The specific bankruptcy listing in question is associated with the file number XXXX. 

Under 15 USC 1681 section of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies must have permissible purposes for obtaining and reporting consumer information. I question who provided these agencies with permission to include a bankruptcy filing on my credit report. According to documentation I received from the U.S. Bankruptcy Court, they do not report data to credit reporting agencies. 

Furthermore, I received a letter from XXXX XXXX XXXX stating that they have filed a dispute on my behalf, but neither XXXX nor I have received any response from the credit bureaus. This lack of response is concerning and further demonstrates the failure of the credit reporting agencies to address this issue promptly. 

This inaccurate information has negatively impacted my creditworthiness and has caused significant distress. I have repeatedly requested the removal of this erroneous bankruptcy entry, yet the credit reporting agencies have failed to comply. 

I respectfully request the CFPB 's assistance in investigating this matter and ensuring the immediate removal of the inaccurate bankruptcy listing from my credit report. I also seek clarification on the permissible purposes under which the credit reporting agencies included this information and demand accountability for the persistent inaccuracy. 

Enclosed are copies of my correspondence with the credit reporting agencies, the documentation from the U.S. Bankruptcy Court, and the letter from XXXX XXXX XXXX. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-05
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. (MA)

I am writing to dispute inaccurate information in my credit report under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ). The information pertains to the XXXX XXXX XXXX account and includes several inaccuracies that need correction. 

**Account Information : ** - **Account Number : ** XXXX - **High Balance : ** {$21000.00} - **Last Verified : ** XX/XX/XXXX - **Date of Last Activity : ** XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax ) - **Date Reported : XXXX XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax ) - **Date Opened : ** XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX and Equifax ) - **Balance Owed : ** {$690.00} ( XXXX ), {$690.00} ( XXXX and Equifax ) - **Closed Date : ** XX/XX/XXXX ( XXXX ), not provided by XXXX and Equifax - XXXX*Account Rating : ** Derogatory - **Account Description XXXX ** Individual - **Dispute Status : ** Account not disputed - **Creditor Type : ** Auto Financing ( XXXX and XXXX ), All Banks ( Equifax ) - **Account Status : ** Closed - **Payment Status : ** Collection/Chargeoff XXXX **Creditor Remarks : ** Charged off as bad debt ( XXXX ), Merchandise was taken back by credit grantor ; there may be a balance due ( XXXX ), Charged off account ( Equifax ) - **Payment Amount : ** {$0.00} - **Last Payment : ** XX/XX/XXXX ( XXXX XXXX XXXXXXXX XXXX, XX/XX/XXXX ( Equifax ) - **Term Length : XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Past Due Amount : ** {$690.00} ( XXXX ), {$690.00} ( XXXX and Equifax ) - **Account Type : ** Auto Loan - **Payment Frequency : ** Monthly ( every month ) ( XXXX ) - XXXX*Credit Limit : ** {$0.00} This information is inaccurate for the following reasons : 1. **Date of Last Activity : ** Conflicting dates across XXXX XXXX XXXX, and Equifax XXXX 
2. **Date Reported : ** Different reporting dates across the credit bureaus. 
3. **Date Opened : ** Discrepancies between XXXX and the other bureaus. 
4. **Balance Owed : ** Inconsistent amounts reported by XXXX and the other bureaus. 
5. **Creditor Remarks : ** Differing comments about charge-off status and merchandise return. 
6. **Last Payment Date : ** Different last payment dates between the credit bureaus. 

Attached are copies of my credit reports from XXXX, XXXX, and Equifax, highlighting the discrepancies in the information reported by each bureau. Additionally, I have included any supporting documentation that can help verify the inaccuracies mentioned above. 

I request that you investigate these matters and remove or correct the inaccurate information from my credit report. According to the Fair Credit Reporting Act, you are required to verify the disputed items within 30 days. I appreciate your prompt attention to this matter.