davidheineman/consumer-finance-complaints-large huggingface dataset:
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: EQUIFAX, INC. (AL)

In XXXX I call Equifax because my mortgage broker wanted to check my credit report, but they told me there was fraudulent on my account. So I called Equifax they told me I needed to mail my information to update my address okay so I did I mailed them my driver license, cover letter, 2 Utilities bill thats all they told me. I call again 2 weeks later they received my information and this time they told me my date of birth was wrong on Equifax on there system its says I was born on XXXX. But I was born in XXXX. So I mailed the information again some documents and I also got a tracking number on it to make sure they received it. Now calling some time in XXXX there saying they received my information but they need documents birth certificate, tax returns, rental agreement, cover letter, driver license, utilities bill, and paystubs, So mailed these information for the third time they received it but now the issue was they needed my social security. Now this is the fourth times mailing them all the information they need to take the freeze on my account. So I called today XX/XX/XXXX they received all my information including social security and I also informed them I made the print large. Now they are telling to resent my driver license because the print is blurry. If I do send it ; it will be my fifth time mailing them information. I dont understand why didnt they tell me what all they needed from the first call I made.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

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 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

My account with 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 XXXXSC 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. 


XXXX 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 2024-08-17
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)

XXXX XXXX XXXX - Account # : XXXX I've identified a fraudulent account on my credit report due to identity theft. This account is preventing me from accessing essential credit. Under Section 605B of the FCRA, I request its immediate removal. Please correct my credit file promptly. I appreciate your swift attention to this matter.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (OR)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-08-17
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. (CA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX  XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX/XXXX  Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXXXXXX XXXX XXXX Date of inquirXXXX XXXX XXXX  Date of inquiryXXXXXXXX & XXXX Date of inquiryXXXX
Consumer complaint received 2024-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX  XXXX Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXXXXXX XXXX XXXX Date of XXXX XXXX XXXX Date of inquiryXXXX & XXXXXXXX  Date of inquirXXXX
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

The following creditors no longer own the accounts they are reporting, they have sold them. As per federal, state FCRA and FDCPA laws and terms and conditions, you must own an account to report to the repositories, ( XXXX XXXX, EQUIFAX, XXXX ). 
Therefore, you must delete these entries, to comply with the Law.

Please remove the following account for non-compliance : XXXX ) XXXX XXXX  : ACCOUNT # DOES NOT EXIST XXXX ) XXXX XXXX XXXX XXXX XXXX : ACCOUNT # DOES NOT EXIST XXXX ) XXXX XXXX XXXX XXXX XXXX : ACCOUNT # DOES NOT EXIST
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX /2024 To Whom it May Concern : I recently pulled a copy of my credit report and noticed the following information are in error : Name And Addresses XXXX XXXX With the amount of identity theft going on, I am very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report Sincerely, 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 — Account status incorrect
Company: EQUIFAX, INC. (MO)

I've reported this XXXX account over XXXX times! It's not mine I didn't authorize the opening of the account nor did I have any knowledge of the account. I've provided countless documents proving over the last XXXX yrs my personal information has been compromised by individuals as well as big companies. My new issue is the account was CHARGED OFF now opened again and reporting again after the CHARGE OFF WHICH IS ILLEGAL Once an account is marked charged off it should not be repeated for several months extending the statue of limitations The information is different and inaccurate across each credit company Pass due amounts are inaccurate Inconsistent information
Consumer complaint received 2024-07-08
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. (FL)

I will like these two collections removed from my report. Its not mine. 

XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX Collection Agency XXXX XXXX XXXXXXXX Original Creditor Name XXXX  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: EQUIFAX, INC. (TX)

I disagree with the account listed below which is still appears on my credit report, even after Equifax investigation. I would like this item immediately re-investigated. The inaccuraries are highly injurious to my credit score ( XXXX XXXX XXXX XXXX. In accordance with the Fair Credit Reporting Act, Public Law 91-506, title VI, section 611 subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after the re investigation. 

Account XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-17
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. (WA)

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 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-07-08
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. (PR)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A, states that I have a right to privacy. 

15 U.S.C 1681 section 604 A Section 2, states that a Consumer Reporting Agency can not furnish an account without my written instructions. 

15 U.S. Code 1681e Section B - Accuracy of Report, states that Consumer Reporting Agencies shall follow reasonable procedures to assure maximum possible accuracy of the information. This account shows 30 and 60 days late payment on one credit bureau however, it shows 60 days and 90 days late on another credit bureau. I have never been late on a payment regarding account number XXXX from XXXX XXXX XXXXXXXX XXXX.
Consumer complaint received 2024-09-19
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC. (CA)

XXXX XXXX Ally Auto for XXXX to Retrieve Vehicle and Improper Credit Charge-Off** In 2022, my vehicle was towed while I was out of the country. I immediately contacted Ally Auto, with whom I had an active auto loan, to discuss the situation. Ally Auto and I came to an agreement that they would retrieve my vehicle from the tow lot on my behalf since I was out of the country and unable to do so. The understanding was that once the car was picked up by Ally Auto, I would pay the necessary fees to reclaim the vehicle. 

Despite this agreement, Ally Auto failed to retrieve my vehicle from the tow lot. Over the course of XXXX weeks, I called Ally Auto XXXX times per day, each time being assured by representatives that the vehicle would be retrieved. These calls are recorded, and the assurances I received are documented. However, despite their assurances, Ally Auto did not pick up the car, which ultimately resulted in the vehicle being sold by the tow company. 

To make matters worse, I continued to make my monthly payments to Ally Auto during this time, despite the ongoing issue. However, Ally Auto still proceeded to charge off the loan on my credit report, severely damaging my credit, even though they failed to fulfill the agreement we had in place to retrieve the vehicle. 

I believe this situation resulted from negligence on the part of Ally Auto, as I made every reasonable effort to work with them to resolve the situation. The failure to retrieve the vehicle despite numerous calls and documented assurances, along with the unjustified charge-off on my credit report, has caused me significant financial harm. 

**Desired Resolution : ** I am requesting the following from Ally Auto : 1. Immediate removal of the charge-off from my credit report. 
XXXX. Full compensation for any financial losses related to the sale of my vehicle, as a result of their failure to retrieve it from the tow company. 
XXXX. A formal acknowledgment of their failure to honor the agreement. 

I have attached all relevant documents, including my payment records, communications with Ally Auto, and a copy of my credit report showing the charge-off. 

Thank you for your attention to this matter. I look forward to your resolution.
Consumer complaint received 2024-08-17
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. (NV)

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 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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 U.S.C 1681. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights.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 2024-07-10
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 recently discovered that my creditor failed to provide the required 21-day notice before the payment due date, along with the statement that outlines my balance and due amount. This notice period is critical because it ensures that I have adequate time to review my statement, arrange for payment, and avoid any late fees. 

Due to this oversight, I was not given sufficient time to make my payment on time. As a result, the creditor charged me late fees, and it now appears as though I did not pay my bill when, in fact, I was not given the opportunity to do so within the proper timeframe. This situation arose due to the creditor 's failure to follow the proper notification procedures, and it is their mistake that has caused this issue. 

I expect that, given this error, the creditor will rectify the situation by waiving any associated late fees and adjusting my payment record to reflect that this delay was due to their non-compliance with the 21-day notice requirement, not my negligence.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Debt Recovery Solutions, LLC (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Phone Number : XXXX XX/XX/year> Debt Recovery Solutions XXXX XXXX XXXX XXXX, GA XXXX RE : Dispute of Debt - Account Number : [ XXXX ] Dear Sir or Madam, I am writing to formally dispute the validity of the debt you are attempting to collect related to The XXXX XXXX XXXX This account was previously deleted from my credit report due to identity theft, which I have reported to the relevant authorities. 

It is concerning that this account has suddenly reappeared on my credit report after being removed. This may violate the Fair Credit Reporting Act ( FCRA ), which requires that accurate and complete information be reported, and that consumers not be subjected to double reporting of debts, commonly referred to as double dipping. The practice of reselling debt that has been previously charged off and reported as removed raises serious legal and ethical issues. 

Under FCRA Section 605 and FDCPA Section 1692e, consumers are protected from deceptive practices, including the re-reporting of accounts that have been properly disputed and verified as fraudulent. I believe that your collection efforts on this account violate these federal laws. 

As such, I demand that you provide validation of this debt, including proof that I am responsible for it, and that you cease all collection activities until such validation is provided. 

Thank you for your immediate attention to this matter. I expect a prompt response confirming that this account will be removed from your records, as it should not have been reported again. 

Sincerely, XXXX XXXX XXXX