davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Profit Recovery, Inc., Marlborough, MA Branch (OH)

IN ACCORDANCE WITH THE FAIR DEBT COLLECTION PRACTICE ACT. 
I DISPUTED THE DEBT AND COLLECTION ALSO REQUEST DEBT VALIDATION. 

I SEEK COPY OF NAME AND ADDRESS OF THE ORIGINAL CREDITOR AND / OR SUPPORTING EVIDENCE OF ALLEGE DEBT. 

AMERICAN PROFIT RECOVERY THE COMPANY FAIL AND /OR REFUSE TO RESPOND TO CONSUMERS REQUEST IN VIOLATION OF SECTION 611 OF THE FCRA 15 U.S.C. 

I AM REQUESTING THAT THE ITEM BE REMOVE FROM MY CREDIT TO CORRECT THE FALSE INFORMATION.
Consumer complaint received 2024-07-03
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. (AZ)

Fraud accounts unverified and sent to local police are being relisted. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charges filed with Arizona supreme court for all XXXX credit reporting agencies : Litigation ref # XXXX -Officer XXXX ORIGINAL POLICE REPORT ON FILE address, emails, bank statement, FTC, police report and ID attached for full verification
Consumer complaint received 2024-07-03
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. (HI)

These companies accessed my credit report without my permission, resulting in damage to my credit and score. Despite contacting Equifax and being assured that these inquiries would be removed, they still appear on my report. These unauthorized and fraudulent inquiries are causing me significant anxiety, as they may indicate I'm a victim of identity theft, adding unnecessary stress to my life and further impacting my credit score.
Consumer complaint received 2024-07-03
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. (GA)

I pulled a copy of my Equifax consumer report and noticed inquiries that were not originated by me and personal information that needs to be updated. Pursuant to 15 USC 1681c-2, delete the listed fraudulent inquiries within XXXX business days. Also, pursuant to 15 USC 1681e ( b ) please update my personal information to reflect accurate information. ADD MY FULL NAME : XXXX XXXX XXXX. ADD EMPLOYER : XXXX XXXX XXXX XXXX. 

ATTACHED : Identity Theft Report.
Consumer complaint received 2023-09-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (ND)

I have no agreement with LVNV funding LLC and they have failed to remove the incuracies on all credit reports causing me severe financial hardship.Due to possible inaccuracies in the these credit reports, I demand that the validation I hereby request be in the form of a verified statement by a person with knowledge of the debt, who can testify that the debt incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am requesting competent evidence that I had some contractual obligation in relation to the tradeline. 
I have sent LVNV letter demanding validation of this tradeline and a prior signed agreement with LVNV and myself, but LVNV failed to provide the information.I demand that LVNV delete all reporting from all three credit bureaus.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I XXXX XXXX did not authorize the following companies below to pull my credit. 
Each company is in violation of my rights as a consumer and I have tried to get these taking care of months ago with no headway XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I am in the process of renting a building and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act 604,611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

The account with XXXX XXXX  XXXX credit card in the amount of {$5200.00} has been on my credit report beyond the timeframe. The debt is more than XXXX years old and must be removed from my credit report.
Consumer complaint received 2024-07-03
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. (AZ)

Fraud accounts unverified and sent to local police are being relisted. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charges filed with XXXX XXXX court for all 3 credit reporting agencies : Litigation ref # XXXX -Officer XXXX ORIGINAL POLICE REPORT ON FILE address, emails, bank statement, FTC, police report and ID attached for full verification
Consumer complaint received 2024-07-03
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. (FL)

This bureau refuses to properly add back the missing information that is affecting accounts from being reported to my Equifax File being this address is missing XXXX XXXX XXXX XXXX XXXX XXXX XXXX that being said missing from accounts being reported to credit bureau report I have called several times I can't even use there upload port to speed up correction add XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> this address needs be also reported along with the other correct address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-03
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)

The company replied back with the following information : Hi XXXX XXXX XXXX My name is XXXX XXXX and I am the supervisor with Denefits billing department and your case is escalated to me because of non payments for your contract with XXXX XXXX XXXX. and if I will not be able to settle this then it may be forwarded to the legal. I am ready to offer you a best possible discount and also ready to remove all Denefits payments from your Credit reports. Please reply me back. 
XXXX XXXX XXXX, your total balance remaining on this contract and which is on your Credit is {$2000.00}, however in this special offer we are ready to close this account if you pay {$1400.00} and we will remove this from your Credit as well. 

Please let me if you are interested to settle this or shall we mark this as a refusal to pay and forward this to legal? 

Attention : - Please let us know if you are interested in the settlement offer, Yes/ No? Or you want to say something regarding your overdue contract? In case we will not get any reply from yours end then we will be forced to forward your details for further collection activities as per the Law.
Consumer complaint received 2024-07-02
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. (TX)

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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2023-10-27
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (TX)

This relates to a Credit Card ending in the four digits XXXX. 

On XX/XX/XXXX I was charged an annual fee of {$99.00} by Chase Credit Cards. I closed the account on XX/XX/XXXX and as communicated by their documentation and to me orally, as long as it was cancelled within the first 40 days after an annual fee assessment, it would be refunded. I began calling on XX/XX/XXXX requesting the refund and kept being told it would happen " automatically '' within XXXX billing cycles. I continued to call during this time period and received no relief. I was referred to multiple Supervisors during this time period and was told my case was being escalated. On XX/XX/XXXX, I talked to a supervisor named XXXX and she said she would escalate the issue again. Then I noticed that my credit card noted above was no longer available to view on my User Log On. So I called again on XX/XX/XXXX and spoke to a supervisor in XXXX, MO named XXXX, and he said he'd refer the matter again and I'd hear something soon. He had to make any new noted on this issued under another accounts since the convienently " purged '' all records, conversations and data from the card ending in XXXX. I've called again on XX/XX/XXXX and XX/XX/XXXX and condinue to get nowhere. Only told I need to speak to a supervisor, however, to do that the telephone wait time is over XXXX hours.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

When lenders pull my credit with a soft pull they are getting information on fraudulent accounts that were previously removed. When a hard pull happens it shows my information as it should be. Unfortunately many lenders pre-qualify you based upon a soft pull. The fraud accounts continuing to be shared in the soft credit pulls are impacting my ability to get loans, refinances, cars, or any sort of credit with a company who pulls equifax as a prequalification process. I would like this corrected immediately. I will attach a copy of a recent credit pull that shows a score of XXXX pulled from Equifax and notice of serious delinquency and unpaid accounts. My equifax report should have neither of these things and a score above XXXX on average depending on scoring medium. Please let it be known that when I pull my credit report with experian or XXXX they also show removed accounts despite updating to a current date report.
Consumer complaint received 2019-07-30
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: EQUIFAX, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNT AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2023-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX : I have absolutely no knowledge of this account. It suddenly appeared on my credit file. There isn't even an ACCOUNT NUMBER shown because I don't believe they have one. Per FCRA I have a right to a 100 % accurate credit file and this account is not mine. I need the original creditor with address and phone number. I need the account number. I need the original contract. And I need the authorization they have to collect this debt. I need all this so I can research what the heck this is. If they cant supply me with this data they must remove this account from my TRANSUNION credit file which is the ONLY bureau where it shows.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My accounts 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/updated.

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.

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!
Consumer complaint received 2024-07-03
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. (SC)

I have previously disputed these inquiry and EQUIFAX stated that the inquiries are a FACTUAL RECORD OF FILE ACCESS which they have not sent proof of any documentation of EQUIFAX OR these company having permissible purpose to access my credit report. 
INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-03
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)

On XX/XX/XXXX i concluded an agreement with XXXX XXXX to bring my account current, merchant stated a payment of {$130.00} is required. Payment processed on XX/XX/XXXX by merchant, I was notified that same day that the account was charged off sent to collection. Contacted merchant said an error was made account will be retrieved once payment poste. XXXX bank created check XXXX XXXX to debit my account posted on XX/XX/XXXX. From there is been an tireless fight with XXXX XXXX as amount was never credited to my account, in addition to illegal fees charged. Dispute with collection agency and XXXX XXXX credit investigation team that found proof of payment. Account retrieved from collection XX/XX/XXXX after numerous complaints. Sent to XXXXXXXX XXXX cards team to apply payment. Cares team denied payment was made, closed the account and its been an infernal fight, applied more fees and charged-off the account for non-payment. Account disputed with Equifax in XXXX, investigation closed as reporting correct. Was advised by XXXX that they will soon update my profile due to information received from Equifax account status. Had a 3 way call in XXXX with XXXX XXXX XXXX XXXX XXXX  requested cancellation number : agent said no cancelation number existe, only a note from an agent saying transaction cancelled. XXXX reopened investigation that concluded that the check was cashed by the merchants XXXX XXXX  ( letter attached ) XXXX XXXX  continue to deny payment without producing any proof of cancellation, falsely reporting account states as late when current and charge excessive fees for. On payment while payment was made in a timely manner.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

ON MY XXXX ACCOUNT # XXXX IT WAS CLOSED IN XXXX WITHOUT MY AUTHORIZATION I REASON TO BELEAVE EQUIFAX HAD SOMETHING TO DO WITH IT I FILED A DISPUTE ON THE XX/XX/XXXX THRU A XXXX DISPUTING SYSTEM THE DATES WASN'T REPORTING CORRECTLY WITH ALL XXXX CREDIT BAREAUS AND THEN ON XX/XX/XXXX I GOT A EMAIL SAYING MY ACCOUNT CLOSE BECAUSE OF E-OSCAR THE DISPUTING SYSTEM THE CREDIT BAREAUS THE NEXT DAY. UNDER 15 USC 1691E IF A CONSUMER USES CONSUMER LAWS TO FIX HIS CREDIT REPORT IF A CREDIT REPORTING AGENCY TAKES ADVERSE ACTION AGAINST ME AND CLOSE MY ACCOUNT IS CLASS ACTION CASE ON WHAT PURPOSE CANT GET FUNDING FOR MY BUSINESS I GOT A LLC FINES UP TO A MIUMMIUM OF {$500000.00}. I GOT PROOF OF THE ADVERSE ACTION AGAINST ME IF IT CONTINUES WILL RESULT IN LEGAL ACTION TO THE CONSUMER REPORTING AGENCY AND WHEN THE CONSUMER REPORTING AGENCY GOT THE ACCOUNT CLOSE THERE IS MISSING INFORMATION ON THE REPORT ON EQUIFAX WEB SITE IT'S NOT SHOWING NO INFORMATION UNDER 15 USC 1681I PROCEDURE IN CASE OF A DISPUTED ACCURACY A INCOMPLETE CREDIT REPORT IS A VIOLATION OF MY CONSUMER LAW RIGHTS A CREDIT REPORT POST TO BE ACCURATE AND COMPLETE. UNDER 15 USC 1681-1681X UNDER THE FAIR CREDIT REPORTING ACT THE CONSUMER REPORTING AGENCY VIOLATED MY RIGHTS THEY TOOK ADVERSE ACTION AGAINST THAT ALONE SHOULD REMOVE THE CLOSE ACCOUNT FROM THE REPORT
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

This is in reference to AccounXXXX XXXX XXXX XXXX XXXX XXXX Dear Equifax, I am writing to dispute the accuracy of account # XXXX on my credit report. Following the completion of your most recent reinvestigation, I am requesting The Method Of Validation used to determine the accuracy and completeness of the information furnished. 
Please provide the following information : XXXX. A detailed description of the procedure used to determine the accuracy and completeness of the information furnished. 
XXXX. The names, work email addresses, and work phone numbers of the individuals involved in validating this debt. 
XXXX. The business name and address of the furnisher of this information. 
If Equifax is not able to provide the requested information above upon 15 days of their receipt of this dispute, I am requesting that this account be immediately deleted from my credit report. 
I demand that you refrain from using any stall tactics in response to this letter. You are required to respond within 15 days of your receipt of this dispute, I look forward to your response. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

I've been to my credit union several times and they can not seem to pull my credit report from Equifax. I have called Equifax no less than XXXX times in the past month and have grown quite frustrated with them because they tell me that they do not show a security freeze on my account, yet my credit union states that there is. They've even contacted their corporate office and they stated the same thing, that Equifax has a freeze and fraudulent report on there, and they are unable to review my credit report for loans, banking and etc. I've asked Equifax to resolve this issue for over 30 days an still no resolve issue. 
If this matter can't be resovled in the next XXXX business days then I will fill a Lawsuit against Equifax for continuously showing false reports on my credit.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.