davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I recently received a copy of my ( XXXX, Equifax, or XXXX ) credit report, and I noticed some late payments posted on my credit report dating XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
I HAVE NEVER BEEN LATER ON THIS ACCOUNT ( XXXX # XXXX ) I was never late on this account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please DELETE this alleged late payment from my credit report per 15 USC 1681b. 
XXXX XXXX XXXX is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include - ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

I called on XX/XX/XXXX at XXXX XXXX  eastern standard time and let the representative know I was recording the phone call. I made the company aware of the violations/law they were breaking. The rep acknowledged that they were reporting late transactions and will continue to do so. Im not sure if this company has some sort of relationship with the Credit reporting agencies to report transactions but I will be seeking legal actions against this company, for which I will be seeking {$1000.00} per violation for : 1. Defamation of character 2. Negligent enablement of identity fraud.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

I have previously sent disputes regarding this issue numerous times. This issue is really causing me to have significant XXXX XXXX. Equifax Information Services is failing to truly investigate and validate the information that's in my consumer report. It is illegal for the bureaus to report an active payment history when the alleged account is a charged off account. This inaccurate information falsely manipulates the statute of limitations. Their negligence has violated my rights. I AM DEMANDING A DELETION IMMEDIATELY!
Consumer complaint received 2024-06-26
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. (NC)

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 Account Number : XXXX Account Name : 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 2024-10-25
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. (FL)

I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there is an item on my credit report that have resulted from fraud and I never benefitted from it. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me tremendous XXXX.
Consumer complaint received 2024-10-26
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. (NY)

am writing to dispute several accounts reported under my name without my consent, violating the Consumer Credit Protection Act ( Act 1692, CCC ). I have contacted XXXX and XXXX regarding these inaccuracies, but they failed to provide the requested evidence and indicated they would not remove the accounts. 
I request an investigation into these accounts and the following : 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 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
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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 XXXX ( 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 XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-06-26
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. (NC)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to dispute an unauthorized inquiry on my credit report. In accordance with 15 U.S.C. 1681b of the Fair Credit Reporting Act, I am requesting that [ XXXX ] investigate and remove this inquiry from my credit report. 
I have recently reviewed my credit report and noticed an inquiry from [ XXXX XXXX XXXX ] dated [ XX/XX/year> ]. I want to clearly state that I did not provide written consent for [ XXXX XXXX XXXX ] to access my credit information or to perform any inquiry.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LD Holdings Group, LLC (MS)

On XX/XX/XXXX and XX/XX/XXXX of 2023 I was working with an agent of loanDepot at the time. I filled out an application online, but never went through with it. I found out later that the real estate agent XXXX XXXX had ran my credit without my permission or consent. I contacted her and asked her to have this removed because I never granted her permission to do so. XXXX XXXX stated she would contact all three credit borrows and have this information removed. Its been almost a year later and these hard inquiries are still on my credit. After contacting their customer service department, I was told there was nothing they could do because even though I didnt give consent for them to run my credit with an application being filled out, they had every right to do so, and I was also told that I cant see that information when doing so, but they can. I have an email from XXXX XXXX stating she was going to have these inquiries removed from all bureaus.
Consumer complaint received 2024-06-16
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (MN)

Synchrony suddenly decreased my credit limit from {$2500.00} to {$830.00}. Just enough to cover the existing balance from a large purchase 7 months ago. The purchase is on a no interest payment plan, payments have been made on time and consistently. 
The decrease forced my utilization from 32 % to 96 %. 
How can these companies be allowed to play with peoples credit as such. It makes it impossible to increase a credit score. 
Decreasing limits and closing accounts makes it appear as the consumer is an irresponsible credit holder.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2019-07-27
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. (GA)

Upon checking my credit for the first time in years there were many Fraudulent accounts and inquiries that I didnt recognize and accounts that I didnt open as well as wrong name and addresses on my reports! I sent certified letters and FTC report about identity theft/fraud. I have sent many certified letters and called XXXX XXXX XXXX asking for all statements and documents on this account that is on my report.They keep reporting without providing and validating me the information that shows that this account belongs to me with my signature as well as every document with payments, purchases any and ALL information they have on this account! I have sent them FTC report and they are required to give me all documents with signatures and payments and statements but they have not done so! Each time I have called and disputed many times they change the date just to change something and Damaging my credit without proper validation that this is my account! I want the proof that they have provided this fraudulent debt to FDCA and FRCAs! Theyre reporting inaccurate information to Equifax, XXXX!
Consumer complaint received 2024-06-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (CA)

In XXXXXXXX XXXX  my dog became ill and I phoned my regular XXXX but could not be seen and they referred me to another XXXX XXXX XXXX, XXXX XXXX. I took my pet to that XXXX  and was told they needed to keep her a few hours to assess the problem. A few hours later they called and said my dog needed some antibiotic. Several hours later I called to see when she could be picked up and we picked her up along with a bill of over {$2100.00}, and those charges were not authorized. I called my regular XXXX  the next day because my pet was not any better. I took her over to my XXXX XXXX XXXX XXXX and discussed the other XXXX  's bill. After my pet remained for the day at my XXXX and picked her up along with a bill for around {$620.00} for services rendered which were almost identical from XXXXXXXX XXXX 

On the XXXX day my pet was worst and took her back to XXXX XXXX XXXX and about XXXX XXXX  my XXXX and I discussed the best avenue was to let her go which we did. 

After receiving final billings from XXXX XXXX XXXX and called them and asked about the overcharges from XXXXXXXX XXXX They said they were notorious for overcharging their clients and I should contact my credit card company, CARE and dispute the charges from XXXX XXXX and CARE gave me a credit of {$750.00}. About 5 months later that credit was reversed and charged back to my account. 

I spoke with XXXX XXXX and said I refused the overcharges of approximately {$1400.00} of a {$2100.00}. bill. 

I have been paying my bill each and every month and the current balance is {$1100.00}. As far as I am concerned CARE should refund this balance and chargeback XXXXXXXX XXXX 

Summary : I did not authorize the {$2100.00} charges. They are not an emergency clinic-nothing on their website to say they are. 

As my previous dispute with Citi Bank filed with XXXX, my credit balance CARE was reduced.reduced.
Consumer complaint received 2024-06-26
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. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-06-15
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY (FL)

I received the email saying they were going to help me with my credit and I'm not the smartest person in the world I fell for giving out my bank information they said they were going to help me build my credit up and they told me that they would put money in my bank and then buy gift cards and give him the numbers which I've never heard of this till now and I called my bank and talked to them and they are closed on the weekends so I'm just recuperating back what they stoled or whatever happened because now I'm negative in my savings I find that weird because I thought they would probably take it out of my checking. I don't know what to do I'm just very lost and confused
Consumer complaint received 2024-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

We reported to Bank of America ( BofA ) that transactions made from our account were not done by us. They said that they were done by our Granddaughter ( XXXX XXXX XXXX ). We tried to explain to them that she did not. Her purse and phone were in her car that was stolen. 

The reason we did not report all the thefts immediately ; was due to my health issues and we were not paying as close attention as we usually did. They told us they could only go back on statement cycle. We have since found out they could have gone back one year. We have since sent in paperwork including XXXX police reports ( our theft/stolen identity and XXXXXXXX XXXX XXXXXXXX car/identity ). They have deliberately been obtuse about this and pick and choose which transactions they will look at. 

We have XXXX ( our worker is XXXX XXXX ext XXXX ) coverage ; and have since gotten them involved. She has sent all the transactions and police reports twice for which she has receipts for the documents received by B Of A including the police reports. Their position remains ; that they feel my wife made the request to " XXXX '' and XXXX received the money. We have repeatedly told them she did not and explained the theft of her car/identity. The police in XXXX, Wa feel that it was our granddaughter, in spite of the theft report. The prosecutor here will not prosecute for lack of evidence. 

The other part of why we didn't notice sooner ; is we have overdraft protection ; and until our {$20000.00} XXXX XXXX was reached ; we did not know there was a problem.
Consumer complaint received 2019-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.
Consumer complaint received 2024-06-14
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bridgecrest Acceptance Corporation (TX)

In accordance with the Fair Credit Reporting act the accounts listed below have violated my federally protected consumer rights to accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 

DrivetimeXXXX XXXX XXXX  acct XXXX The loan servicer Drivetime/XXXX  has been and continues to report incorrect and conflicting balance and payment information to XXXX, XXXX and XXXX. This has caused severe adverse action to my credit file when attempting to apply for neccessary credit accounts. I have disputed this information with the credit agencies as well as the loan servicers directly in XX/XX/XXXX as well as XX/XX/XXXX. Since XXXX DrivetimeXXXX has violated my consumer rights under credit law 15 USC 1681.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Hi hope all is well I recently checked my credit report and I notice that there were some unauthorized accounts and inquires on my credit report that I didnt authorize under the FCRA its against the law to report and inaccurate information on a consumer credit report please remove all the accounts that i didnt authorized on my credit report immediately thanks Unauthorized accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE UNAUTHORIZED ACCOUNTS IMMEDIATELY THANKS!

15 U.S. Code 1681 Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) 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.

( b ) Reasonable procedures 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.
Consumer complaint received 2024-07-05
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. (NM)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below.

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Equifax and XXXX continue to allow inaccurate and false reporting on my credit. XXXX XXXX not only violated the MLA and EFTA, they continue to violate FCRA as they report a late payment each month even though account is nearly 7 years charged off. This is a double negative on my account- the derogatory information for charge off and subsequent late pays each and every month. The nearly XXXX balance is wildly inflated and accounts for a significant amount of inaccurate debt on my report.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I sent in several letters from the bankruptcy courts & also letters from the company ( XXXX ) both companies has sent me letters stating that they do not verify bankruptcy & that it is no record of bankruptcy showing on my consumer report from XXXX. I have asked the company ( Equifax ) to removed the bankruptcy off my credit report & they have not.