davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

They closed my account over 60 days AGO because of a miss payment, instead of charging me the late fee they closed it?, I never paid the minimum always the full ammount and it also was a secured card, they told me in 5 weeks I would get my check mailed to my house, and nothing, I need the check with the full balance + the secured deposit which was XXXX $ + the balance I had in my favor
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I submitted a letter to dispute some accounts that are having an adverse effect on my credit. I was informed that my dispute request via mail was disregarded due to suspected unauthorized activity. I submitted these letters with the most up-to-date utility bill along with a copy of my license. My dispute has been mishandled without a proper investigation into the issue and it is prolonging the damage on my credit report. I have the return receipts as well as I had sent them via certified mail. It is apparent that the investigations were not conducted due to unreasonable suspicion despite the documentation that I had provided. I will include the letters I sent along with the signed receipts.
Consumer complaint received 2024-07-26
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. (MA)

I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like Equifax did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual. 

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes. 

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated.

My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : XXXX. XXXXXXXX XXXX XXXX  YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP.
Consumer complaint received 2024-07-26
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. (SC)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AL)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2024-07-26
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. (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 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 2024-08-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I just got me a copy of my credit report and I found some stuff that is not right. From what I have been told, you have to verify anything I think is not right. Please do one of investigations on the account that I listed above and mail me results. On the internet it says you must finish within 30 days, so I will wait until then. The follow needs to be verified : CITIZENS BANK XXXX
Consumer complaint received 2024-07-26
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. (FL)

Dear Equifax, 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. I have disputed this account in the past several times, the result comes back verified every time and I sent other letters after they sent the result saying it was verified and I requested of them to send information concerning Its my understanding that the credit bureaus have investigated this account and it keep coming back as verified. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I'm demanding the deletion of the following account. 
XXXX : XXXX According to The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner that is fair and equitable to the consumer. The FCRA emphasizes the confidentiality, accuracy, relevancy, and proper utilization of consumer information include : Consumer reporting agencies must follow reasonable procedures to assure the maximum possible accuracy of consumer reports. Ive listed below some inaccuracy that I found with this account -The date opened is different from XXXX XXXX a violation because all XXXX  are not consistent -The number of months is different from XXXX- It's a violation because all XXXX  are not consistent `An account that has a payment status of collection/chargeoff should not have a past due amount-its a violation -The last reported date is different from XXXX and XXXX- It's a violation because all XXXX  are not consistent -The comments sections are commenting different comments, and they are not in consistent- It's a violation because all XXXX  are not consistent -The 'date last active ' is different from XXXX and XXXX 's a violation because all XXXX  are not consistent The 'date of last XXXX payment is different from XXXX and XXXX 's a violation because all XXXX  are not consistent -As far as the payment history is concerned, it is a violation because XXXX is not reporting any payment history and XXXX is reporting different payment history from XX/XX/XXXX to XX/XX/XXXX, and your company is reporting ok for XXXX XXXX XXXX a violation because they are not in consistence. 

Please see attachment for proof of inconsistencies
Consumer complaint received 2024-07-26
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. (MO)

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 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Dear Equifax, You have willfully and negligently failed to comply with the FCRA requirements. Please see the attached dispute notice, along with a copy of my recent consumer report. The report includes the disputed inquiries and the inaccurate, incomplete, or unverifiable information that appears on my Equifax report, which I have highlighted/circled for your reference. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-26
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. (FL)

Dear XXXX, 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. I have disputed this account in the past several times, the result comes back verified every time and I sent other letters after they sent the result saying it was verified and I requested of them to send information concerning Its my understanding that the credit bureaus have investigated this account and it keep coming back as verified. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I'm demanding the deletion of the following account. 
XXXX : XXXX According to The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner that is fair and equitable to the consumer. The FCRA emphasizes the confidentiality, accuracy, relevancy, and proper utilization of consumer information include : Consumer reporting agencies must follow reasonable procedures to assure the maximum possible accuracy of consumer reports. Ive listed below some inaccuracy that I found with this account -The date opened is different from XXXXIt 's a violation because all three are not consistent -The number of months is different from Equifax- It's a violation because all three are not consistent `An account that has a payment status of collection/chargeoff should not have a past due amount-its a violation -The last reported date is different from XXXX and Equifax- It's a violation because all three are not consistent XXXXThe comments sections are commenting different comments, and they are not in consistent- It's a violation because all three are not consistent -The 'date last active ' is different from XXXX and XXXXIt 's a violation because all three are not consistent The 'date of last XXXX payment is different from XXXX-It 's a violation because all three are not consistent -As far as the payment history is concerned, is in violation based on XX/XX/year>, XX/XX/year>, XXXX XXXX This account was charged off on the XX/XX/year>. Since the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charge-off account should never include an active payment history. This inaccurate information falsely manipulates the statute of limitations. Given that the payment history information originates from your reporting, it is my understanding that this information should be consistent across all three credit bureaus. 
Please see attachment for proof
Consumer complaint received 2024-07-26
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. (SC)

To Whom It May Concern, Upon receiving a copy of my credit report, I have identified the following item ( s ) that contain inaccuracies : XXXX. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. I do not have a contract and I did not share my personal information with XXXX XXXX XXXX trying to collect and report on my credit report. They did not provide me with the original contract as I requested. I am writing to inform you of my rights and obligations under 15 USC 6802 regarding the disclosure of my personal information. As a consumer, I have the following rights and responsibilities : 1. Right to Know : I have the right to know what personal information about me is being collected, used, and shared by financial institutions. 2. Right to Opt-Out : I have the right to opt-out of the sharing of my personal information with non- affiliated third parties. 3. Obligation to Protect Information : I have the obligation to take reasonable steps to protect my personal information from unauthorized access and disclosure. 4. Right to Access : I have the right to access my personal information held by financial institutions and to correct any inaccuracies. 5. Right to Limit Sharing : I have the right to limit the sharing of my personal information for marketing purposes. 6. Obligation to Notify : I have the obligation to notify financial institutions if my personal information changes or if I believe it has been compromised. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate and rectify these items from my credit report. It is my understanding that you will verify this information with the relevant creditor. I kindly ask you to remove any information that the creditor is unable to verify. Please be advised that, as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter. Furthermore, I request an updated copy of my credit report to be sent to the aforementioned address, as the act dictates that there should be no charge for this updated report. Thank you for your attention and assistance in resolving this matter.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-07-26
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. (CO)

I have submitted more than XXXX disputes for these accounts with no resolution to date. The latest XXXX being dated XX/XX/XXXX. Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 and 12 CFR 1022.24 - Reasonable opportunity to opt out. Reasonable opportunity to opt out because I was never notified that my nonpublic personal information was going to be shared to nonaffiliated third parties. In addition, per all contracts that are currently held have this statement, XXXX Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. 

Several other violations are occurring because of the information listed on my consumer report. As you can see in the attachment of the XXXX credit agencies, must comply with, XXXX. Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 6801 - Protection of nonpublic personal information, [ 15 U.S.C. 1681s-2 ], 607. Compliance procedures [ 15 U.S.C. 1681e ], 15 U.S. Code 1681e - Compliance procedures, 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2, Opt-Out Requirement ( 15 U.S. Code 6802 ( b ) ( 1 ) ), 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, 15 U.S. Code 1681a - Definitions ; rules of construction, ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 16 CFR 313Privacy of Consumer Financial Information and 313.7 Form of opt out notice to consumers ; opt out methods, the model privacy form was not presented nor made in clear and conspicuous manner, 16 CFR 433.3 - Exemption of sellers taking or receiving open end consumer credit contracts before XX/XX/XXXX, all contracts have this statement on them so it applies to them, and the Privacy act of XXXX. The accounts across them are not accurate. Thank you in advance for deleting these accounts or be liable under, 15 U.S. Code 1681n - Civil liability for willful noncompliance and or, 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ].
Consumer complaint received 2024-07-26
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. (WA)

In accordance with the fair credit reporting act the following accounts has violated my rights : XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX / Equifax
Consumer complaint received 2024-07-26
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. (FL)

Dear Equifax, 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. I have disputed this account in the past several times, the result comes back verified every time and I sent other letters after they sent the result saying it was verified and I requested of them to send information concerning Its my understanding that the credit bureaus have investigated this account and it keep coming back as verified. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I'm demanding the deletion of the following account. 
XXXX : XXXX According to The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner that is fair and equitable to the consumer. The FCRA emphasizes the confidentiality, accuracy, relevancy, and proper utilization of consumer information include : Consumer reporting agencies must follow reasonable procedures to assure the maximum possible accuracy of consumer reports. Ive listed below some inaccuracy that I found with this account -The date opened is different from Transunion- It's a violation because all three are not consistent `An account that has a payment status of collection/chargeoff should not have a past due amount-its a violation -The comments sections are commenting different comments, and they are not in consistent- It's a violation because all three are not consistent -The 'date last active ' is different from XXXX and XXXX 's a violation because all three are not consistent -The 'date of last " payment is different from XXXX and XXXX 's a violation because all three are not consistent -As far as the payment history is concerned, XXXX is not showing any payment history, Your company is showing all XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnd XX/XX/XXXX but XXXX is showing all CXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, which means that the payment history for all three are not consistent.