davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-26
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. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TN)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AR)

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 2020-03-09
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PRESTIGE FINANCIAL SERVICES INC (VA)

Today XX/XX/XXXX I was contacted by Prestige Financial regarding my car loan via text message and was advised that my car loan and was advised that I have been past due since XX/XX/XXXX which is incorrect. My mom ( cosigner ) contacted them by phone and advised them that I recently started a new job and will be making XXXX 's payment soon ( currently 13 days past due ). The collections rep XXXX said to my mom " why are you teaching your son to pay his bills late '' She was extremely rude screaming over my mom and yelling about me being 1 payment past due. My mom then advised her not to text either of our phone numbers or she will take legal action, XXXX stated she will continue to text until he is current. My mom then proceeded to ask to speak to someone higher and she gave the line to a person by the name of XXXX who claim to have been the Assistant VP of collections. She explained to XXXX that she did not appreciate the way XXXX spoke to her and that she wanted to make a formal complaint. XXXX only proceeded to request a payment and blame my mom for XXXX 's behavior. He continued to be rude and offered my mom no solution only to tell my mom she was yelling at him. My mom then asked to for his bosses information where she was given a name XXXX who is supposed to be the VP of collections. XXXX refused to give any employee numbers or last names. My mom advised that she would be making a formal complaint as one should never be made to feel as low as they made her feel after calling them to try and resolve the issue. No one stated the Mini Miranda at all.
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. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-05
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. (GA)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
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. (SC)

Please be advised that this is my Second WRITTEN REQUEST for you to remove the unverified accounts listed below that remain on my credit report you are in violation of 15 USC 1681. I have requested that you investigation and reinvestigation the unverified items listed below that remain on my credit report. As you are in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these ITEM BELONG TO ME without any proof. Who in your company verified these accounts? How did they verify them? Again Please provide me with the name of the individual there address, and telephone number. Also, why did you not send me copies of the verification like I asked? As I am sure you are well aware, current case law states that Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the account they report on and their responsibility must consist of something more than merely parroting information received from other sources. The court have order that a " Reinvestigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations proposed by 1681 ( a ) ( 4 ) .You have not provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You also stated that Adverse Account meaning accounts that has not been paid, been transfer or sold or date from first DELINQUENCY will stay on the report for seven years. I'm requesting that you send me documents of this.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been a victim of identity theft. My information was used fraudulently and as a result I am seeing items on my report that I never was associated with. I filed an ftc report as I was instructed to by TransUnion. I have sent in this report but these fraudulent items still remain.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: SmartCredit LLC (MN)

One year back in order to secure a business loan of dollar store and they referred me to a company which enhance/ increases my credit score so as to be eligible to get a loan and the company referred to me is XXXXXXXX XXXX XXXX. After filling out the forms and up front payment they were willing to provide service to enhance/ increase my credit score. 

Subsequently, XXXXXXXX XXXX XXXX  referred me to a new company called XXXX XXXX and they ask for upfront payment which I fulfilled and they never kept their promise nor did they let me know how they are going to do it. Since then, they have being charging my different checking and credit card accounts without my authorization. 

Without my authorization/ permission on my behalf they are filling different claims that includes filling a complaint to the credit companies and EVEN to the Consumer financial protection bureau and guided me Incase I have any communication ( e-mail or by mail ) with above referred companies and not to respond. 

I was told to send all communication to XXXXXXXX XXXX XXXX XXXX XXXX. 

They have being charging some amount from my checking or credit card accounts without my permission and authorization. 

I have received a letter in a mail from Consumer financial protection bureau ( CFPB ) regarding a complaint which was filed on my behalf without my authorization, permission and I did not have any knowledge About a complaint.
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. (MN)

TO WHOM IT MAY CONCERN : IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS. 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 UNDER A SECTION 2, IT ALSO STATES THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER15 USC 1666B,. A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN FOR ANY PURPOSE. 


I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS. 

I AM WRITING TO DISPUTE THE FOLLOWING INQUIRIES, COLLECTIONS AND DEROGATORY MARKS ( STATED BELOW ) ON MY ACCOUNT. I DID NOT APPLY FOR ANY FORM OF CREDIT ( XXXX ) AND/OR ACCOUNTS PERTAINING TO ANY OF THE FOLLOWING COMPANIES STATED BELOW. PLEASE REMOVE SAID ACCOUNTS IMMEDIATELY UPON RECEIVING THIS LEGAL DOCUMENT. 





THE FOLLOWING ACCOUNT ( S ) ARE DOCUMENTED FOR IMMEDIATE REMOVAL : XXXX XXXX XXXX : Account number : XXXX Date opened : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX : Account number : XXXX Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  : Account number : XXXX Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX : Account number : XXXX Date opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX PER THE FCRA, AS A FEDERALLY PROTECTED CONSUMER, I AM NOW OPTING OUT OF ANY AND ALL AUTHORIZATION I THE CONSUMER MAY HAVE GIVEN, YOU WRITTEN OR UNWRITTEN VERBAL AND NONVERBAL PER 15 USC 6802 -6805.

DISREGARDING THE FOLLOWING INSTRUCTIONS IS A VIOLATION OF FEDERAL LAW AND WILL RESULT IN PRODUCING COMPLAINTS FILED AND POSSIBLE SECURITIES FRAUD PERSECUTION VIA THE FDIC.
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. (TX)

You are in violation for continuing to report an account when you were informed by the collection agency to delete a tradeline. The company XXXX XXXX responded to CFPB complaint XXXX stating that they have terminated collection attempts on account XXXX and notified the credit bureaus to delete this information. The company responded on XX/XX/year>, and yet this account is still reporting. Please see the attached response from this company and remove the following account from my credit report due to inaccurate reporting XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) 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. (NY)

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 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

XXXX. Failure to Verify Disputed Information Violation of FCRA 611 I have disputed the accuracy of this account with both XXXX and Equifax on two separate occasions. Under the Fair Credit Reporting Act ( FCRA ) 611, credit reporting agencies are required to investigate disputed information within 30 days and provide a response indicating the results of the investigation. Despite this requirement, there has been no indication that either credit bureau has verified the information or updated my credit report to reflect my dispute.
Consumer complaint received 2024-08-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (FL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
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. (MA)

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

The account information in dispute is as follows : **Account Information : ** - **Account Number : ** XXXX - **High Balance : ** {$25000.00} - **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 and XXXX ), XX/XX/XXXX ( Equifax ) - **Date Opened : ** XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX and Equifax ) - **Balance Owed : ** {$21000.00} - **Closed Date : ** XX/XX/XXXX ( XXXX ), not provided by XXXX and Equifax - **Account Rating : ** Derogatory - **Account Description : ** Joint - **Dispute Status : ** Account not disputed - **Creditor Type : ** Credit Unions - **Account Status : ** Closed - **Payment Status : ** Collection/Chargeoff - **Creditor Remarks : ** Charged off as bad debt ( XXXX ), Unpaid balance reported as a loss by the credit grantor ( XXXX ), Charged off account ( Equifax ) - **Payment Amount : ** {$0.00} - **Last Payment : ** XX/XX/XXXX ( XXXX and XXXX XXXX, XX/XX/XXXX ( Equifax ) - **Term Length : ** 60 Month ( s ) - **Past Due Amount : ** {$21000.00} - **Account Type : ** Unsecured loan - **Payment Frequency : ** Monthly ( XXXX ) - **Credit Limit : ** {$0.00} - **Two-Year Payment History : ** Inconsistent reporting across the bureaus This information is inaccurate for the following reasons : 1. **Date of Last Activity : ** Conflicting dates across XXXX XXXX XXXX, and Equifax XXXX 
XXXX. **Date Reported : ** Different reporting dates across the credit bureaus. 
XXXX. **Date Opened : ** Discrepancies between XXXX and the other bureaus. 
XXXX. **High Balance and Balance Owed : ** Discrepancy in high balance reported by Equifax . 
XXXX. **Creditor Remarks : ** Differing comments about charge-off status and loss reporting. 
XXXX. **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.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

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 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. (PA)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-05
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)

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.