davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX with account # XXXX opened on XX/XX/2023 and a balance of {$250.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.

Please investigate the inaccurate information per 15 U.S. Code 1681 this account is being reported inaccurately and these matters are hurting my credit score and per Fair Credit Reporting Act ( FCRA ), the inaccuracy of this reporting needs to be deleted asap. Per CFPB laws and regulations, I am demanding this inaccurate account be deleted now or be subject to penalty and civil action lawsuit with a violation of {$1000.00} per day this inaccurate account with inaccurate information is being reported. Thank you for your assistance.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXXXXXX XXXX XXXX XXXX Deposit with account # XXXX opened on XX/XX/2015 and a balance of {$200.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

Please investigate the inaccurate information per 15 U.S. Code 1681 this account is being reported inaccurately and these matters are hurting my credit score and per Fair Credit Reporting Act ( FCRA ), the inaccuracy of this reporting needs to be deleted asap. Per CFPB laws and regulations, I am demanding this inaccurate account be deleted now or be subject to penalty and civil action lawsuit with a violation of {$1000.00} per day this inaccurate account with inaccurate information is being reported. Thank you for your assistance.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Several accounts are showing charged off/ written off as a loss to company/ closed due to inactivity. However, they all still show a past due balance None of the account have consistent/accurate information about the account. My concerns are the open date, last activity, open, date
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OK)

I am formally requesting the removal of three mortgage defaults from my credit report. Per my XXXX divorce decree ( XXXXXXXX XXXX XXXX XXXXXXXX ) filed and XX/XX/XXXX, page XXXX, XXXXXXXX XXXX number XXXX, my ex-husband was responsible for refinancing and maintaining the property. He defaulted three times in XXXX, using my credit unlawfully from XXXX to XXXX, without my knowledge. This has unjustly impacted my credit history. I became aware when I went to purchase my current home. 

The property has been sold, and he was solely responsible for these defaults. Additionally, my ex-husband has a history of fraudulent actions. Another property mentioned in our divorce decree, a lake home referenced in line XXXX, was also sold using my credit until the date of its sale. His current wife, XXXX XXXX, fraudulently impersonated me and signed the papers to sell the property, acting as me. Despite my name being on the debt and mortgage until the date of sale, the sale documents were drafted in her name, not mine. I had to contact the title company to obtain the sale records to close on my current home and became of aware of this fraudulent action. I want no ties to this type of behavior nor the repercussions of other 's fraud. 

I urge you to rectify this issue immediately by removing these defaults from my credit score. 


Sincerely, XXXX XXXX
Consumer complaint received 2024-07-21
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. (MS)

XXXX, equifax, and XXXX are reporting incorrect, erroneous, and misleading information on my credit report. They are each in clear violation of the fcra. I move for complete deletion of late payments and any account missing information which merits incorrect and unverifiable information.
Consumer complaint received 2024-07-21
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)

This account was charged off on the following date : XX/XX/year> Since then the account had repeatedly been updated as a charged off every month. This is an update in the payment history. A charged off account should not include active payment history. This inaccurate information falsely manipulates the statue of limitations you failed to investigate this account properly after i asked you to do it twice and your neglect has violated my rights I am demanding a deletion of the following account : Accounts Name : XXXX XXXX XXXX XXXX Account Number XXXX
Consumer complaint received 2024-07-21
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)

This company is reporting fraudulent inaccurate information on my credit report. I have/am requested they provide the purchase agreement to show full ownership of such account and also other documents so i may review to see if this is actually an account that belongs to.
Consumer complaint received 2023-04-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP (TX)

Opened a new US Bank checking account with promotions. Account was opened. Initial deposit was taken from my ally bank account on XXXX XX/XX/2023. Got an email that account is all opened ... but no communication or information provided to me like Account number or routing # or anything. 

Today called US Bank, lady asked all the information and then transferred me to XXXX. XXXX was able to help me but told that promo code is not applied I have promotions tied to this account.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

Dispute letter was sent to the Credit Bureaus in concern of inaccurate reporting on my credit report, after submitting the first dispute with no updated accurate information a second reinvestigation letter was submitted and still there was no adjustment to what I was asking.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-21
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. (IL)

How can two account be report the same information. This is inaccurate information. Under the fcra laws this is a violation to my right and I would want this remove and delete off my credit report. XXXX have two account this is one of the account number XXXX and the second account number is this one XXXX also how can you be late 30 day show 1 time, and 60 day shows 0 late days, and 90 days shows late 10 times. This is inaccurate and incorrect information on my file. How is these two account report the same information. Please delete and remove these account its hurting me from get a house for my family. 15 us code 1681b I have my right and this law is what following under the right to have these account removed immediately. Also upload pictures showing the inappropriate and inaccurate information.
Consumer complaint received 2024-07-21
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. (MD)

I recently looked on my credit reports from Equifax website, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I noticed several inquiries that did not have " Permissible Purpose ''. According to the Fair Credit Act, anything that's reporting on my credit report must have Permissible Purpose according to USC 1681 B. I sent a notarized and certified letter Equifax on XX/XX/XXXX, requesting the deletion of the following inquiries : 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 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. 
The details of the disputed account are as follows : Creditor Name : XXXXXXXX XXXX Account Number : XXXX Collection Amount : {$620.00} Date of First Delinquency : XX/XX/XXXX Date of Collection Report : XX/XX/XXXX I am writing to dispute the collection account referenced above, which appears on my credit report. I am a victim of identity theft, and this account is not mine. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate information on my credit report and request its removal if it can not be verified. The account in question was opened fraudulently using my personal information without my knowledge or consent. 

Upon contacting the collection agency to dispute this account, I was informed that they have the incorrect name associated with the account. Despite this acknowledgment, the collection account continues to appear on my credit report, causing significant harm to my creditworthiness. 
In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate information on my credit report and have it corrected or removed if it can not be verified. The collection agency 's failure to correct this error and the continued presence of this incorrect information on my credit report is a clear violation of my rights under the FCRA. 


The details of the disputed account are as follows : Creditor Name : XXXXXXXX XXXX  Account Number : XXXX Collection Amount : {$620.00} Date of First Delinquency : XX/XX/XXXX Date of Collection Report : XX/XX/XXXX I request that you : 1. Conduct an investigation into this matter.

2. Remove this fraudulent collection account from my credit report immediately.

3. Cease all collection activities related to this account.

4. Provide written confirmation that the account has been removed from my credit report.

I am requesting the Consumer Financial Protection Bureau 's assistance in investigating this matter and ensuring that the collection agency and the credit reporting agencies comply with their obligations under the FCRA. This inaccurate information must be removed from my credit report promptly.

Please investigate this matter and instruct the collection agency and the credit reporting agencies to remove the incorrectly associated collection account from my credit report. I request a written confirmation once the investigation is complete and the account has been removed. 

Thank you for your assistance in resolving this matter.
Consumer complaint received 2024-07-21
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. (IL)

I was never late for these months. I have proof payment was made to the account. I was never late. Please update and make corrections for this account XXXX I was never late in XXXX of XXXX or XXXX of XXXX or XXXX of XXXX. Please update my account it hurting me from closed on a house.
Consumer complaint received 2024-07-21
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. (TX)

i sent in all different type of documents to the credit reporting agencies. like XXXX, XXXX 'S, ID, UTILITY BILLS, BANK STATEMENTS, PAYSTUBS. THEY STILL RE FEW TO REMOVE THE INACCURACIES. THE ACCOUNT ARE INCOMPLETE AND NEEDS TO BE REMOVED.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items, which only two are required per law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-07-21
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (PA)

This is against XXXX XXXX. After months of making regularly scheduled payments and then paying the account in full, XXXX XXXX and/or Synchrony Bank XXXX XXXX credit line to {$100.00}, in effect closing the account, even though the account is in good standing. These actions serve to negatively affect my credit scores with all XXXX credit reporting bureaus. These entities should not be able to arbitrarily take such action with the end effect of wreaking havoc on my credit scores. They have taken similar actions against accounts in my mother and father 's names, all of which come out of the same budget and household income, separate complaints for which are being filed simultaneously herewith.
Consumer complaint received 2024-07-21
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. (MO)

XX/XX/year> I noticed some things incomplete and not accurate and according to the FCRA whenever a consumer reporting agency prepares a consumer report is shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates all rights : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date account was open, date last active, payment history, date last payment was received, company also received payoff from gap insurance that they reported as a write off, the initial loan amount. Nothing about this account is accurate.
Consumer complaint received 2024-07-21
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)

IN ACCORDANCE WHITH THE FAIR CREDIT REPORTING ACT THE LIST OF ACCOUNTS BELOWS HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER XXXX USD XXXX THE ACCOUNTS BELOW HACE VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCYU CAN NOT FURNISH A ACCOUNT WHITHOUT 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 ) ( a ) 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 DELETE THE ACCOUNT BELOW : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX. XX/XX/XXXX
Consumer complaint received 2024-07-21
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (PA)

This is against Synchrony Bank as a representative of XXXX XXXX. After months of making regularly scheduled payments and then paying the account in full, XXXX and/or XXXX XXXX XXXX XXXX credit line to {$XXXX}, in effect closing the account, even though the account is in good standing. These actions serve to negatively affect my credit scores with all XXXX credit reporting bureaus. These entities should not be able to arbitrarily take such action with the end effect of wreaking havoc on my credit scores. They have taken similar actions against accounts in my mother and father 's names, all of which come out of the same budget and household income, separate complaints for which are being filed simultaneously herewith.
Consumer complaint received 2024-07-21
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. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-06-23
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. (TX)

I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.
Consumer complaint received 2024-07-21
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. (UT)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-07-21
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. (NY)

i informed equifax on my previous complaint XXXX that they are reporting a late payment from bank of XXXX XXXX XXXX " The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, passed by congress and signed into law on XX/XX/year>, contains a provision explicitly addressing the FCRA. Section 4021 of the Cares Act amends Section 623 ( a ) ( 1 ) of the FCRA ( 15 USC 1681s-2 ( a ) ( 1 ) ) '' please remove this late payment as i was impacted by the coronavirus pandemic.
Consumer complaint received 2024-07-21
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-07-21
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)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.