davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-09
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 am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

To whom it may concern, I recently reviewed my credit report and found an account with inaccurate information. I have attached a screenshot to this complaint. This Account XXXX, is affecting my ability to obtain credit based on the banking system. Additionally, this account has been closed. 

I request a complete review of my credit report and that this inaccurate information be removed as soon as possible. 

Upon reviewing my report again, I noticed that no changes were made. According to 15 USC 1681i 5, the law states the following : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation, it is determined that the information is inaccurate, incomplete, or can not be verified, the consumer reporting agency must : ( i ) promptly delete or modify that item of information from the consumer 's file; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the consumer 's file.

According to 15 USC 1681e ( b ) : ( b ) Accuracy of report Consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information in the reports.

And according to 15 USC 1681s-2 : ( A ) Reporting information with actual knowledge of errors No person shall 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.

( B ) Reporting information after notice and confirmation of errors No person shall furnish inaccurate information if : ( i ) the consumer has notified that the information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

XXXX, XXXX and Experian did not conduct an adequate reinvestigation, and I can prove it with evidence. I request a complete review and correction of the errors in my credit report. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

I demand that the {$0.00} collection/charge off account for XXXX XXXX XXXX be deleted from my credit report as the information is still being incorrectly reported on my credit report. This account is appearing as a negative status on my credit report and is causing me financial harm. It needs to be removed immediately from my credit report. It has been reporting negatively on my consumer report since XX/XX/year>. Any/all further inquiries posted on my consumer report MUST have my written consent. ATTENTION : Following deletion of these accounts and/or data, please send me a free copy of my updated consumer report reflecting the changes that have been made.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Lenders changed and I was never notified of the new lender being XXXX  XXXX XXXX I sent my payment on time but they reported me late in XXXX, 2024 I called them and told them this was their fault for not notifying me in time that there was a change in lenders and this dropped my scores by XXXX points. 
I want this fixed please because I don't believe this was my fault.
Consumer complaint received 2023-04-28
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. (NJ)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be deleted as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A. (IN)

PNC Bank have put something in the system that wont allow me to open a account with anyone. Stating that I owe them some money and I dont. I called the number provided and they will not call me back or respond to any of my messages
Consumer complaint received 2024-07-07
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. (IL)

There is a fraudulent XXXX XXXX account on my credit reports opened in XXXX, 2020. It has approximately {$7000.00} balance on it that is negatively impacting my credit. This account does not belong to me and should be deleted.
Consumer complaint received 2024-09-09
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. (PA)

I am writing to demand the immediate removal of inaccurate and unverified negative items on my credit report. I have disputed these items in previous correspondence under the Fair Credit Reporting Act ( FCRA ) 611, yet no valid investigation has been conducted, and these inaccurate collections continue to be reported. All the listed accounts are unrecognizable and invalid.
Consumer complaint received 2024-09-23
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)

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 ( XXXX ), 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. 

Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX XXXX 
Account Number : XXXX
Consumer complaint received 2024-09-10
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. (PA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXXXXXX
Consumer complaint received 2024-09-09
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)

I recently reviewed my consumer credit report and noticed an account that was not reporting accurately. I had 2 late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments and Ive attached a copy of my reports to this complaint on the following dates ( XXXX XXXX XX/XX/2024, XX/XX/2024 ). These CAN NOT be reporting accurately because the account was CLOSED in XX/XX/2024 and my status was CLOSED/NEVER LATE. This can be verified on my XXXX report which I have attached to this complaint. So my account can not have been reporting as late if it was already closed, which makes this CLEARLY INACCURATE REPORTING. I demand these payments immediately be updated to PAID/CLOSED NEVER LATE just like it shows in my XXXX report.
Consumer complaint received 2024-09-09
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. (NJ)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

According to 15 U.S. Code 1666b, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. The following accounts violate 15 U.S. Code 1666b, are inaccurate and must be deleted. 
XXXX 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 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-08
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: Experian Information Solutions Inc. (GA)

I sent a letter to XXXX XXXX and Experian to verify and update my account. I asked them to reinvestigate the completeness and accuracy of the accounts on my credit report I got my investigation back and I noticed they didn't update or modify my account according to 15 usc 1681i 5 that's a violation of multiple laws. Remove this account from my credit report. 

XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I greatly value the relationship I have with the following creditors and have consistently made on-time payments forsuch a long time.This isolated incident does not reflect my overall commitment to honoring my financial obligations, and I have since taken steps to ensure this will not happen again. 

Given my otherwise positive payment history, I kindly request that you consider removing this late payment from my credit report as a goodwill gesture. I believe this adjustment would better reflect my responsible credit behavior and would help improve my credit standing.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (CA)

I believe the information is inaccurate due to a data breach that I was affected by, which has caused fraudulent activity on my accounts. The breach has led to unauthorized transactions and accounts being opened in my name, resulting in incorrect and damaging information on my credit report. 

I appreciate your prompt attention to this matter and expect a response within the 30-day period as required by law. Please confirm receipt of this letter and keep me informed about the investigation 's progress.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

I disputed the information on my credit and received a credit report informing me that the incorrect information listed on my credit report was corrected and deleted along with the inquiries. My information was compromised by XXXX XXXX XXXX  information leak. I have been fighting strenuously to get the information corrected while XXXX XXXX XXXX XXXX. I DO NOT NEED THE EXTRA STRESS! After I was notified by XXXX that the information was deleted, my credit score DECREASED substantially!!! They deleted 2 major items on my credit along with a lot of inquires and it went down almost 100 points. It's not making sense!! My credit score should've definitely increased!!!
Consumer complaint received 2024-09-23
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)

I am a victim of identity theft. Fraudulent information appeared on my XXXX, XXXX, and Equifax credit report due to fraud. I disputed the inaccurate information to XXXX, XXXX, and Equifax. XXXX, XXXX, and Equifax verified that some of the fraudulent information belonged to me and continues to report inaccurate information on my credit report.
Consumer complaint received 2024-09-09
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. (TX)

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 2024-09-09
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. (AZ)

To Whom It May Concern, I am in the process of applying for employment and have been informed by the HR department that negative items on my credit report are adversely affecting my chances of securing a position. A legal friend of mine has informed me that I have the right to dispute the accuracy of this information, which appears to be in violation of 15 U.S. Code 1692e, prohibiting false, deceptive, or misleading representations in debt collection. 
According to the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable inIf you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2024-09-23
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. (NJ)

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

My account with Equifax was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. 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. XXXX XXXX XXXX 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! 


XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


Equifax Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2023-10-04
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC (AZ)

Payments and pay off amount have not been updated since XX/XX/2023. Therefore my credit score is not reflecting correctly and it cost me the purchase of my home! I have called numberous times, so did the lender and yet nothing no answers. Every time I call I get the same response I will get a call within an hour and no one has ever called back. I have email with no responses to the supervisor any attempt the company has failed to answer for the last 3 Months.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Hi, This account has been open since XXXX. The account was closed in XXXX. Collection activity was started, and XXXX bought this account as a charged off debt. This account was not closed and reported to the credit br in XXXX. It was opened in XXXX with a debt of XXXX which doesn't even match the 1, XXXX they are reporting. This accounts last activity was in XXXX. This account is more than 9 years old. The last purchase date was on XX/XX/XXXX. I just pulled off all of this information from XXXXXXXX XXXX portal with the order history, and description of items purchased. It needs to be removed from my account. The charge off and the XXXX XXXX XXXX reporting. Please see the submitted documents. The account needs tin be removed.