davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-02
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. (MS)

After reviewing my submission I noticed that the Credit Bureaus stated that my account was properly investigated but how is that possible when some of the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are inaccurate? This is grounds 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 
If these accounts are not removed I will be reporting you to the XXXX, and I will be contacting the Federal Trade Commission, and I will be filing a lawsuit against your consumer reporting agency for violation of privacy and pain and suffering.Account : XXXX XXXX XXXX  credit card XXXX Account : XXXX XXXX  XXXX credit card Account : XXXX XXXX XXXX XXXX credit card Account : XXXX  XXXX Education Account : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX charge card Account XXXX XXXX XXXX XXXX XXXXXXXX Account Account : Account
Consumer complaint received 2024-08-02
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. (NJ)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance {$37000.00} ; XXXX XXXX XXXX Inquiry : XX/XX/XXXX.
Consumer complaint received 2024-08-02
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. (GA)

I have an account for {$900.00} reporting as unpaid from XXXX XXXX. It has brought my credit down over XXXX points and a credit card I had for over 20 years was brought down to a {$500.00} limit. I was turned down for a home loan because of it and I never made the credit card. I called and they couldn't give me any information. I keep getting letters requesting payment for a credit card that I never used. I have never been late on a credit card. The only credit card I had for the last 15 years is XXXX  XXXX XXXX and you can check and see I have NEVER been late!
Consumer complaint received 2022-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act DEPT OF ED : XX/XX/XXXX Fraud./ remove XXXX  XXXX : XX/XX/XXXX Fraud/ remove XXXX  : XX/XX/XXXX Fraud / Remove XXXX  XXXX : XX/XX/XXXX Fraud/ Remove XXXX XXXX  : XX/XX/XXXX Fraud / remove XXXX  : XX/XX/XXXX Fraud/ Remove XXXX  : XX/XX/XXXX Fraud / Remove XXXX  : XX/XX/XXXX : Fraud Remove XXXX  XXXX XXXX  : XX/XX/XXXX Fraud Remove XXXX  XXXX XXXX  : XX/XX/XXXX Fraud / Remove XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX Fraud Remove XXXX XXXX XXXX  XXXX : ACCT # XXXX XXXX XXXX  : XX/XX/XXXX Fraud Remove XXXX XXXX XXXX : XX/XX/XXXX Fraud Remove XXXX XXXX  : XXXX FRAUD REMOVE Have violated my rights 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. also part ( 1 ) states 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. part ( 4 ) states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. part ( B ) states It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. Please request all the Reporting Bureaus promptly remove these files according to U.S.C FCRA IT has currently been over 30 days since my last submission of this matter to be handles and for the files to be removed. And with fairness and abiding by the laws that hold up the banking structure I DEMAND that these accounts be removed diligently.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

My account with XXXX 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 USC 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 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 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
Consumer complaint received 2024-08-02
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)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

Equifax was called and I went thru all addresses, asked them to delete all except my current and only address, they also have a name on my credit report that doesnt belong to me ( XXXX XXXX XXXX my name is XXXX XXXX and has never been any other name. I asked to rectify and correct these things and have done so TWICE. I have received a letter from Equifax claiming I have NOT applied for credit recently, which is a lie I have applied for numerous of credit lines and have been denied because of misinformation. They say I have not lived in the US or have a social security number, also a LIE. And I havent used any credit in over 10 years.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted XXXX and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.
Consumer complaint received 2019-12-28
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: EQUIFAX, INC. (MD)

XX/XX/XXXX/XX/XX/XXXX I filed disputes with XXXX, XXXX and Equifax for a medical debt that was placed on my credit reports, which I learned was a result of the company, XXXX XXXX XXXX XXXX ( XXXX ) failing to file a claim with my health insurance providers ; I have both primary and secondary providers. 

XXXX and XXXX immediately removed the account ; Equifax did not. Not only have they not removed it, their website will not allow me to re-open the dispute to attach the documents I'm including in this complaint to show that not only do I dispute that I owe the account, the documents are proof that XXXX XXXX XXXX   XXXX have apparently been unwilling to bother filing a claim with my insurance providers even after I provided them with copies of both cards XXXX times throughout the past year and EVEN AFTER Maryland Attorney Generals Office provided them with copies of both cards. 

The fact that XXXX XXXX XXXX  XXXX failed apparently, intentionally, to file a claim with my insurance providers makes them accountable for the bill, not me. 

The fact that Equifax refuses to remove the account from my credit report and also refuses allow me to re-open the complaint through their dispute portal online is why I am filing this complaint with the CFPB. 

For reference, see CFPB Complaint Number XXXX against XXXX XXXX XXXX XXXX. 

Federal Law is clear that medical providers who do/did not, and in this case seemingly willingly refuse, to file a claim with a person 's health insurance carriers leaves the burden of the account on the medical provider not the consumer. 

Federal Law also requires Equifax (, XXXX and XXXX ) to remove medical debts from credit reports when the consumer provides evidence that the bill is an error ... and in this instance the error is the the medical provider 's unwillingness to file a claim even after Maryland Attorney General 's Office intervened, yet, XXXX XXXX XXXX XXXX still has not filed a claim with my insurance carriers. 

It is for that reason Equifax should have removed the account from my report nearly a year ago, and why I am filling this complaint against Equifax requesting they immediately remove it from my credit report and is also why I have initiated a complaint against Equifax with Maryland Attorney Generals Office of Consumer Protection for not following Federal and MD State laws dealing with this matter.
Consumer complaint received 2024-08-01
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)

I strongly urge you to promptly address this error and clear me of any responsibility. It is vital that you conduct a thorough investigation into this matter and rectify the mistake swiftly. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2024-08-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NC)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2019-12-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Southwest Credit Systems, L.P. (MD)

On XX/XX/2019. I received a notice from my credit monitoring company that a New Open collection was placed on my credit report. ( Southwest Credit Systems ) located at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. They are claiming that I owe them {$410.00}. Yet, they have not proved that they are allowed to collect this debt, or that this debt actually belongs to me. This Company did follow proper FDCPA, laws and because they place this bogus collection on all three of my credit reports, this debt collector is unaware of my case ( through error or negligence ) without proper validation of this debt my day to day, life activities have been destroyed. FDCPA, law also states a collection company/debt collector must send you proof that it owns or has been assigned the debt by the original creditor. Verification that you owe the debt and the amount of the debt needs to include documentation from original creditor. This said collection account was also included in my bankruptcy, had they contacted me properly, and or my attorney they would know that a current Chapter XXXX, is currently in affect. Which, all collections activities are protected, and could off had immediately correct its action after learning of the bankruptcy case. I seek that this negative, bogus, information be deleted from my credit report immediately. Thank you.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

THIS IS NOT OKAY. There are accounts and transactions under my name which are fraudulent or have resulted from fraud and I have never benefitted from any it. It's making me anxious and stressed out, I have already reported this to XXXX  but they are still appearing on my credit report.
Consumer complaint received 2024-08-01
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)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-04-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (CA)

I called and spoke with a chime bank representative on Saturday XX/XX/XXXX to let them know that this transaction of {$140.00} is not authorized they gave me a dispute claim number of ( XXXX ) and told me that i would be receiving a credit refund back to my account on 10 days. I never did, they just stone walled me in to a denied claim. i feel chime bank never investigated any claim and mislead me so that i would not do anything about it. I have asked them that stealing my money outright is wrong. I feel that chime bank never disclose the real intention that they have for consumers, chime bank did me dirty... please help me.
Consumer complaint received 2024-08-01
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)

EQUIFAX, I have 2 accounts on your equifax website that are completely frivolous. I have asked you to remove them more than once but you continue to refuse to do so. You rubber stamp it every time as if its been verified, but you really dont do anything. So, if you dont delete these 2 accounts I will be pursuing this in the federal court system. 
XXXX XXXX XXXX XXXX {$9600.00} There's duplicates of this account ( XXXX ) XXXX {$0.00} XX/XX/year> These are both fraudulent accounts
Consumer complaint received 2023-04-01
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. (NY)

on XXXX, and on XX/XX/2023 I disputed several negative items on my credit report with all 3 credit bureaus. I asked for proof of such late payments reporting on my credit report, and it has been well over the 30 days time frame, and I have yet to see any changes, or been provided with the requested information. 

XXXX XXXX XXXX account is reporting late payments XXXX is reporting late payments XXXX reporting late payments. 
Per 15 USC 6803 a ( 3 ) protecting the non public personal information of consumers. 
XXXX XXXX child support is reporting, which is a violation since I have never provided written consent.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I disputed a hard inquiry on my Equifax from XXXX XXXX XXXX  XXXX XXXX from XXXX. I told them to please send me proof that I authorized this inquiry on XXXX which they could not send me proof. But after Equifax 's investigation they claim to have verified it but they had NO proof. 
When I checked my credit again I noticed XXXX New hard inquiries from companies I did Not authorize. I unfroze my account XXXX  times in XXXX for XXXX companies to do a soft pull and NONE of them are these companies on my credit. I only authorized XXXX XXXX, XXXX XXXX, XXXX  XXXX  and XXXX. 

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX  XXXX XXXX  XXXX XXXX Inquiry Date : XX/XX/XXXX I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within XXXX  days. 

I look forward to receiving an updated copy of my credit report reflecting the above correction.