davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-27
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. (TN)

Subject : Urgent Request for Removal of Fraudulent Accounts in Litigation Dear XXXX, Equifax, XXXX I am writing to formally dispute several accounts appearing on my credit report, which are not accurate and are associated with ongoing litigation. These accounts are fraudulent and linked to a trust account, which is currently under legal dispute. These inaccuracies are damaging my credit profile and must be corrected immediately. 

Below are the accounts in question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$27000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These accounts are part of a legal bankruptcy proceeding, and their continued presence on my credit report is not only inaccurate but also a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I demand that these accounts be removed immediately to prevent further harm to my credit profile. 

Failure to remove these fraudulent accounts promptly may result in legal action against your bureau for willful non-compliance, including the pursuit of fines and penalties. I expect immediate correction and confirmation of these changes within the legally required time frame. 

Enclosed are supporting documents pertaining to the ongoing litigation. I trust that you will act promptly to rectify these errors and remove these accounts from my report without further delay. I have also included the fraud FTC report XXXX  XXXX Thank you for your immediate attention to this matter. Please confirm receipt of this dispute and the actions taken to resolve it as soon as possible.
Consumer complaint received 2024-09-27
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)

I am asking for your assistance regarding this misleading account that appears on my credit report. I have raised this issue because it has harmed my reputation, and I need your help. Your poor management of my credit report has put me in a difficult position, as this false information has ruined my reputation. You must eliminate this incorrect data from my credit report.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX
Consumer complaint received 2024-09-27
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 lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2023-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been battling with TransUnion since XX/XX/2023. They are reporting my accounts as late and that is incorrect. I have called them, disputed online, and sent in dispute letters, yet they fail to correct these errors on my credit report. I also contacted the creditor of the accounts to confirm their status and in fact they don't have any deliquencies on record so i dont understand why the Credit Bureaus continue to report me late on these accounts. Also most of these accounts are showing differently in each bureau credit report which makes no sense since all 3 bureaus have to report the same information. To my knowledge these late payments are inaccurate and under 15 U.S Code 1666 ( b ) billing error, I have the right to request for removable of late payments! According to the Fair Credit Billing Act ( FCBA ), 15 U.S. Code 1666-1666j the creditor must provide me with PROOF that I was indeed late but they CANT!! This inaccurate reporting is hurting my financial well being and is totally unfair. I already have a hard time as an XXXX XXXX XXXX in this country having a bad credit report just makes things harder for me. And the information on my reports is wrong, this is clearly a billing error and a violation of the Fair Credit Billing Act ( FCBA ), 15 U.S. Code 1666-1666j. I beg please hold these credit bureaus accountable for their credit reporting practices.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Please read this complaint seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my mental health that I wouldn't even be able to afford help because of my low credit score due to these errors.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NY)

Equifax will not allow me to log in to request a mailed copy of my credit report, there is no one to answer the call to Equifax at XXXX Equifax wants to sell me a plan to see my credit report.

I tried to request my free annual credit report online XXXX XXXX XXXX and it would not let me log in then once I found the telephone number for Equifax I tried calling them and all I got was put on hold for XXXX hour and no one answered.
Consumer complaint received 2020-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

I have been a customer of this company for a while never missed any payments I recently was hospitalized due to XXXX  my XXXX  and called the company to make a payment plan and use my protection plan to cover my bill. This started XX/XX/2019, I was advised that I was protected and that due to paying for the protection plan they will cover the cost and to maintain my account and that it will report positively still to the bureaus. I recently got an alert the company posted late payments after telling me that i was covered defaming my character.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

Complaint Regarding Inaccurate Reporting by Credit Reporting Agencies XXXXXXXX XXXX XXXX XXXX XXXX Account I am filing a formal complaint against Experian, XXXX, and XXXX regarding inaccurate information reported in my credit file. After reviewing my credit reports from these three credit bureaus, I discovered several discrepancies related to an account from XXXX XXXX for XXXX XXXX XXXX. Below are the details of the inaccuracies : 1. Discrepancy in Account Numbers : The account numbers reported for the XXXX XXXX  XXXX XXXX XXXX account are inconsistent across the three credit bureaus. XXXX reports a different account number than what is listed by Experian and XXXX. 
2. Discrepancy in Account Open Dates : XXXX is reporting a different account open date for this account than the dates reported by XXXX and Experian. 
XXXX. Discrepancy in Reported Late Payments : Experian shows four late payments, whereas both XXXX and XXXX are reporting five late payments for the same account. 
These inconsistencies constitute a violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681 ( a ) ( b ) and Public Law 90-321 ( 82 Stat. 146 ), which mandates that consumer reporting agencies must ensure maximum accuracy in credit reporting. Additionally, under 15 USC 1681n, there is a {$500.00} penalty for each violation in cases of willful noncompliance by credit reporting agencies. Each agency has an obligation to follow these laws as part of their agreements with consumers.

Furthermore, 15 USC 1681o states that any company negligent in failing to comply with the FCRA is liable for such violations. Also, 15 USC 1681s-2 specifies the duties of information furnishers to ensure that the data they report to credit agencies is accurate. This duty has clearly not been fulfilled in this case.

The Privacy Act of 1974 ( 5 USC 552 ( a ) ( e ) ( iii ) ) also requires compliance with all U.S. laws related to consumer credit information. The errors described above violate both the FCRA and the Privacy Act of 1974.

I request that the CFPB investigate these discrepancies and take the necessary action to ensure the immediate removal of this inaccurate trade line from my credit reports with Experian, XXXX, and XXXX. Additionally, I request that the CFPB enforce the imposition of fines of at least {$500.00} USD per violation, totaling {$1500.00} USD for the three violations. I expect a timely investigation into this matter and a written response outlining the steps taken to resolve these issues. Thank you for your assistance and attention to this serious matter.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

Hi, I have multiple credit cards with Fifth third bank. I have alerts set up to email me when I have a statement or bill payment due. One particular card I have with fifth third that is set up with alerts was reported as a late payment. I never received a statement from Fifth third or an alert that there was a balance. Either by regular mail or email. I have offered to show Fifth third the search history for that card in my email and they seam to be uninterested in resolving. I currently still have this account set up with alerts and have confirmed with Fifth third but yet to this day i don't receive any statements in any form from them. This is a rarely used credit card and it was used by accident or this issue would not have been found. I have 2 cards with similar names on them. One is used often the other in question rarely. I can them to send me a statement in any form automatically. I have 4 cards currently with Fifth third and I receive the statements 3 monthly. Not the XXXX. These cards statements do show up with the last 4 digits of the card in the subject line. I have called and spoke to many different people at Fifth third and get a different answer each time. They do acknowledge I have alerts set up correctly bt cant explain why I dont recieve statements. Each person claims they will call me cback and it never happens. I have never had a late on any credit report andthey are reporting me as late. This balance was paid off when i found out. I want this late remoeved from my credit report. that is all I am asking for.
Consumer complaint received 2024-09-27
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. (MI)

RE : Inaccurate Late Payment Reported Inaccurately Inaccurately Reported Account : XXXX XXXX Under the CARES Act, if you had an agreement with your lender or creditor to defer payments, enter forbearance, or make partial payments due to the COVID-19 pandemic, your account was generally protected from being reported as delinquent. Specifically, for late payments, the CARES Act required that account must be reported as current if they were current before the agreement was made, even if payments were deferred or reduced. This protection was effective from XX/XX/XXXX, and lasted until 120 days after the national emergency concerning COVID-19 was terminated. The emergency declaration was officially terminated on XX/XX/XXXX, which means the protections would have lasted until XX/XX/XXXX. If your lender did not honor this, you may have grounds to dispute the late payment. The account is opened last XX/XX/XXXX, and protected from being reported as delinquent. The payment history and the status of this account is inaccurate. This account should not be late pursuant to the CARES Act. Thoroughly investigate and update with lawful accuracy. 
This account being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & created unwanted stress in my home life. Please reverse the late payments under the CARES ACT. 
Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. Thank you for your urgent attention in this important matter.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NE)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 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 shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX
Consumer complaint received 2024-09-09
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: Experian Information Solutions Inc. (CA)

XXXX XXXX electronically got my info ( DOB, SSN, address, name, etc. ) from a third party and opened a credit account without my consent, authority, agreement, or wet ink signature. XXXX XXXX admits to having no physical or electronic signature and admits that is only XXXX XXXX 's " belief '' that the account was created by me. XXXX XXXX has not and can not provide any physical proof that I created the credit account as I have requested the physical proof for over 6 months now. Yet having no proof or authority, XXXX XXXX continues to publish derogatory comments on my credit report without any enforceable instrument to do so. I had been disputing the XXXX  XXXX account for over 6 months while XXXX  XXXX was attempting to collect so I asked XXXX XXXX for a forensic account audit on XX/XX/year> via CFPB case # XXXX, & then mysteriously on XX/XX/year>, XXXX  XXXX charged off the account which lead me to believe that XXXX  XXXX was attempting to collect on an account that was already paid & written off. My consumer rights are protected as The UCC states ( a ) A person is not liable on an instrument unless ( i ) the person signed the instrument, or ( ii ) the person is represented by an agent or representative who signed the instrument and the signature is binding on the represented person under Section 3-402. The UCC requires that any contract for the sale of goods that is worth {$500.00} or more must be in writing and signed by the person the contract is being enforced against. Under UCC Section 3-401 ( a ) If the party does not sign, the party can not be held liable. XXXX XXXX need cease & desist, remove all derogatory marks & publishing ( s ) of account on my credit report especially with Experian credit reporting. Experian claims the information is not on my credit report yet Experian is the only company continually reporting the info for which I am disputing.
Consumer complaint received 2024-09-27
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. (MN)

I sent in a dispute letter XX/XX/year> via certified mail with tracking. This company has claimed the letters were not sent by me and failed to investigate the disputes of inaccurate accounts in a timely matter. XXXX requesting you urge them to act promptly and investigate these accounts as required by law. I have sent in XXXX proofs of identification along with a notary which is more than enough proof. Delete the accounts immediately if they can not be verified. 
I am writing in response to your stall letter via mail that claims these documents/disputes were not sent by XXXX XXXX XXXX XXXX The dispute letters are in fact being sent by XXXX XXXX XXXX. I have submitted my identity documents again. Failure to investigate these disputes will initiate litigation to proceed. I will be making pursuing litigation and damages for violations of {$1000.00} each violation
Consumer complaint received 2024-09-09
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XX/XX/XXXX Experian Account XXXX # XXXX To Whom It May Concern, I am writing to dispute the repossession on my account with the creditor reporting on my credit report. I respectfully request that you investigate this matter and provide me with a detailed explanation of the circumstances leading to the repossession. XXXX XXXX XXXX XXXX Violated the following 1. The right to due process. ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) 2. Failures to notify me before they sold the car. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) 15 USC Code 1601 Truth and Lender Act Among other requirements, the Act requires creditors who deal with consumers to make certain written disclosures concerning finance charges and related aspects of credit transactions ( including disclosing an annual percentage rate ) and comply with other mandates, and requires advertisements to include certain disclosures. The Act has been amen Furthermore, I request that you cease all collection activities and reporting inaccurate on this account until the dispute is resolved. I am aware of my rights under the 15 U.S. Code 1692j and 15 U.S. Code 1681 about the accuracy and fairness of credit reporting. I expect that my rights will be fully respected throughout this process. Section 623 ( a ) of the FCRA also requires creditors to promptly notify you if I determine that the previously furnished information is not complete or accurate. Please provide a written response to this dispute within 30 days of receipt of this letter. If you are unable to resolve this matter to my satisfaction, I may have no choice but to seek legal advice. Thank you for your prompt attention to this matter. I look forward to receiving your response and working towards a resolution. 
Thanks you