davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Conn's, Inc. (TX)

On XX/XX/24 I received a notification that my Conns account balance increased by the credit bureau {$440.00}. So, I reach out to Conns via chat and email regarding this matter to see why I they added this to my account and XXXX via chat stated she didn't know and didn't have access to see why. So, I then reach via email to be told they did see this to check back and they would possibly provide me with an answer. So, I reach back out to be ignored and not receive a response when I reached back out. Conns has went bankrupt and is trying to get over on people. I WILL NOT PAY ANOTHER DIME UNTIL MY ACCOUNT IS FIXED PROPERLY.
Consumer complaint received 2024-10-02
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. (VA)

I am in the process of securing a mortgage on a second home. I have a broker. She sent me an email about opting out of credit bureaus pre screening. I didnt see it in time. Within 10 minutes of me seeing the email, the calls started. 37 on my cell phone in less than 24 hours so far, 4 calls on the home phone and at least 9 text messages. 

I have since researched this ridiculousness and have included my information on the opt-out website. It is only good for 5 years! I also checked my info on the do not call lists which I DID do years ago and my info isnt on the registry list! 

Unfortunately, my information has already been sold and Im livid. Im reaching out to my congressman and Senators. Im also reaching out to each credit bureau. This blurred line that allows them to sell my information is wrongand should be as illegal as it can be. 

Why is the onus to opt out on the individual?! They should only be allowed to have people opt-in.

I want the 3 credit bureaus to NOT be able to opt me in at their convenience. I shouldnt have to hunt them down to not sell my info.
Consumer complaint received 2024-10-02
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. (MD)

I'm writing to bestow my XXXX  concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

Im disputing first progress account number XXXX, late payments of XXXX, XXXX and XXXX. I asked for documents stating that first progress mailed the due dates to me 21 days before each due date of XXXX, XXXX and XXXX. XXXX not disputing that I didn't pay the bill on time or didn't pay at all. I'm disputing that first progress violated US 15 1666b by not mailing each due date to me 21 days before each due date of months XXXX XXXX and XXXX. I ask that you request the documents of proof that they didn't violate the consumer law 1666b by sending me proof that I was mailed the due dates 21 days before each month of XXXX, XXXX and XXXX and if not I want my late payments updated to paid on time on XXXX, Equifax and XXXX of months XXXX, XXXX and XXXX. I would like a copy of the statements proofing that I was mailed a statement 21 days before the due dates of months XXXX, XXXX and XXXX. This is consumer law that the company mails out due date statements 21 days before each due date and no later. Once again I'm not arguing or disputing that I didn't pay on time or didn't pay at all. I'm disputing did the company violate consumer law 1666b by not mailing documents to me 21 days before the due dates of XXXX, XXXX and XXXX. I need proof shown.
Consumer complaint received 2020-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I was looking at my credit report and noticed that there are multiple addresses on there that I don't live at. The only address that should be reporting is listed below. 

Correct address XXXX XXXX XXXX XXXX MD, XXXX Please delete these wrong addresses thats listed below. 

XXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX
Consumer complaint received 2016-07-30
Product: Credit card — 
Issue: Late fee — 
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo Financial has been reporting a negative " LATE '' payment to all of the credit reporting agencies since XXXX of XXXX. During the month of XXXX XXXX I did n't receive that month 's bill ( not by email or US Mail ) somehow they forgot to send it to me that particular month in question. I just so happened to review an online statement that showed a Late Fee assessed to my account ( which was specialized account connected to a purchase from a company named XXXX XXXX and financed via Wells Fargo [ opened XXXX XXXX, XXXX ] in the form of a credit card account ) ; so I immediately contacted Wells Fargo XXXX XXXX XXXX and filed my initial complaint in efforts of reversing any possible damage to my credit and fee assessment. Okay, the fee was credited back to me and I was told that nothing was or will be reported to the major credit reporting companies ( not to worry ). Well the only truth to that statement, was that I was reimbursed the fee that was assessed ; but they to this day continue to report that I was 30 - 59 days late to all the credit reporting agencies. I even disputed this with Wells Fargo on a formal level and they still have n't changed anything. My argument is that I was given back any alleged late fees and told this would n't be reported ( they lied to me plain as day ). I frequent the app ' XXXX and to this day my FICO score is a little above XXXX - NEVER EVER BEEN LATE in paying back any of my creditors and was excused by Wells Fargo, yet they still plague me with a negative blemish that haunts me to this present day and that 's noted on my reports as the only damaging entry ( absent of that, I 'd have a PERFECT credit rating ) .... 

*This in my second time placing this complaint, I just completed this entire form and was at review - after reviewing it 's content, approved it then hit " SUBMIT '' I got an system error message telling me to press the BACK button which erased my entire complaint content - I 'M XXXX ...
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
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 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-10-02
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)

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 2024-10-02
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)

XXXX XXXX XXXX {$640.00} Opened XXXX XXXX XXXX  After doing my own research calling I found out this was a fraudulent credit card charge from XXXX original creditor XXXX XXXXXXXX XXXX  XXXX XXXX XXXX {$720.00} Opened XXXX XXXX XXXX After doing my own research calling I found out this was a fraudulent credit card charge from XXXX original creditor XXXX XXXX XXXX XXXX XXXX {$3800.00} Opened XXXX XXXX XXXX After doing my own research calling I found out this was a fraudulent credit card charge from XXXX original Creditor XXXX XXXX  These are fraudulent charges brought on by the Pandemic My information may have been impacted by the Equifax and XXXX Data Breach and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Under 15 U.S. Code 1681c-2, which governs the " Block of information resulting from identity theft, '' I have the right to request that information resulting from identity theft be blocked from my credit report. In accordance with this law, lam requesting the removal of the fraudulent accounts and transactions from my report.

Additionally, under 15 U.S. Code 1681i, credit reporting agencies are required to investigate disputes regarding inaccurate or fraudulent information on a consumer 's credit report. Please initiate an investigation into the items I have listed, and remove any inaccurate entries resulting from this theft. 
I have enclosed the following documents to support my claim : A copy of my identity theft report filed with [ police department or FTC ]. 
Proof of my identity ( e.g., copy of my driver 's license or utility bill ).
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

It is disheartening to know that my rights as a consumer is being violated. I value my credit score a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my XXXX  XXXX. I've been trying to fix this for some time and my requests kept getting ignored and/or disregarded to rectify these issues and my concerns regarding the inaccuracies in my credit report.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WY)

Consumer name : XXXX XXXX XXXX consumer XXXX consumer social security # XXXX This complaint has been filed to request pursuant to fcra 605b 15usc1681 c-2 that you, equifax credit reporting agency, block information appearing on my consumer credit report that is the result of idenity theft and fraud/data breach within 4 business days of you receiving this complaint.I am attaching the FTC idenity theft criminal complaint # XXXX as proof of idenity theft/fraud and data breach.This fraudulent inaccurate information consist of the following accounts 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX these accounts and hard inquiries where not opened, made, or initiated by me and are the result of idenity theft fraud and a data breach.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Dates : XX/XX/XXXX, XX/XX/XXXX ( Listed as a Late payment ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX ( Listed as late payments ) Spoke with someone to process a hardship during the times. Late payments were still reported. Which was a violation Under the FCRA of USC 1666B.
Consumer complaint received 2024-10-02
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. (MD)

I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.
Consumer complaint received 2020-01-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I called Bank of America ( BOA ) to send me my remain amount from the secured card I got from BOA and to close the account due to poor work by bank. The BOA charged me late fees and charged me on interests. The fact was I was only late for the first time in XXXX because Social Security Admin messed up my money. So, for being late for the first time, the BOA automatically suspended my credit card. I deposited my {$8000.00} in the secured card. I wanted to improve my score. But it never happens. BOA accused me for being late a several times. It is a lie. You have the previous report about BOA but u did nothing about it. The BOA did suspend my credit card for being late and demanded me to pay them. They SHOULD NOT suspend my credit card that happened to be my emergency card to get foods and gas. They actually suspended my credit card and refused allowing me using it until I pay them the payment. What the XXXX?! They can just report to credit bureau that I am late and they can even charge me for late of XXXX And that is it. But nope, BOA punished me by suspending my credit card and reporting to credit bureau and late charge fees and interests. BOA did not need to punish me more by suspending my card. And I was NEVER LATE previous and it proved you that I was not late before because they did not suspend my cresit card until recently in early XX/XX/XXXX. They suspended me! The information they have is so accurate! The XX/XX/XXXX does have the access to my bank but they only depends on banks reports to lower my score! It is dirty! Everyone of them are dirty and corrupted! 
Also because they suspended my credit card when it was actually an emergency card, I demanded them to send my remain amounts to me and close BOA account. They did close my account but did not send my remains so they did hope I d forget about it and steals the remains of money from secured card. I called last week to double check and found they did not send me a check of my remain money. I was so mad because I needed the check this last week. I had to wait another 2 weeks for check to get to my place. Tomorrow I am supposed to get my check. They promised I d get it on XXXX.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CO)

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. 

Account name : XXXX Account XXXX : XXXX
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

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 2024-09-20
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)

Consumer Name : ( XXXX XXXX Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXXXXXX XXXX Opened XX/XX/2023, XXXX XXXX opened XX/XX/2023. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

Thank you for your service. My name is XXXX XXXX and I am a proud American living in XXXX California. It has come to my attention that my State Constitutional rights to privacy along with my Constitutional right to privacy has been trespassed on and violated by the alleged credit reporting agency called Experian. Experian has no license in California to report personal credit information. Experian and XXXX XXXX have no contractual agreements that gives them exclusive authority or permission to publicly report any information about XXXX XXXX. Experian also has no Court order that grants them permission to report any information about XXXX XXXX. They are in clear violation of the Fair Credit Reporting Act as well.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

I am filling this complaint indicating my dispute of information in my credit report. 
XXXX XXXX XXXX Balance Owed : {$73.00} XXXX XXXX XXXX Balance XXXX : {$90.00}