davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-09
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. (NV)

Dear Equifax I am writing to request the deletion of inaccurate, fraudulent, and duplicate accounts present on my consumer credit reports and to bring to your attention the failure of XXXX XXXX and XXXX to provide the necessary proof of debt validation within the stipulated time frame of 30 days. I have previously sent certified dispute letters to these companies requesting verification of these accounts, as per the Fair Credit Reporting Act ( FCRA ), and have obtained a certified receipt with a signature confirming their receipt of the letter. 

Despite my efforts to rectify the inaccuracies in my credit report and to ensure compliance with the FCRA, this company never responded to me with the verifiable documentary proof, original consumer contract, or similar proof bearing my wet ink signature on it, 30 days went by and I received nothing from this company. 

As outlined in the FCRA, failure to provide documented and verifiable proof within the specified time frame obligates the removal of unverified, invalid, derogatory accounts and information from my consumer report. Despite the receipt of my dispute letter and the lapse of the 30-day period, XXXX XXXX and XXXX has neither provided the requested proof nor rectified the inaccuracies in the reported information. They didnt respond to me at all and therefore by law I'm demanding the deletion of these accounts on my credit report immediately. 

I formally request EQUIFAX to remove the disputed accounts, XXXXXXXX XXXX and XXXX from my credit report, as per the provisions of the FCRA. The failure of these companies to validate the debt within the statutory timeframe signifies their non-compliance with federal regulations and warrants the removal of the disputed accounts. 

I have enclosed a copy of the certified dispute letters and certified receipts with the tracking number, date, and signature someone received it for your reference. I kindly request your prompt attention to this matter and the necessary action to remove these inaccurate and fraudulent accounts off my credit report. Thank you for your prompt assistance in resolving this matter.
Consumer complaint received 2024-06-27
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. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-08-07
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. (GA)

I recently reviewed a copy of my credit report. I was devastated to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by myself. This has been a hard burden financially as I am in the process of buying a home for my family.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

On this account, the credit reporting agencies are reporting a DATE OF LAST PAYMENT on XX/XX/year>. However, the payment amount is indicating a payment was made of XXXX DOLLARS. This means there was not a payment made on XX/XX/year> and this information is INACCURATE. 

This inaccuracy affects my DATE OF LAST ACTIVITY, as well as my PAYMENT HISTORY
Consumer complaint received 2023-10-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am writing to formally dispute and request corrections for inaccurate information present on my TransUnion credit report. On XX/XX/XXXX, I initiated contact with TransUnion regarding the following discrepancies, and as of the present date, I have not received any response. I hereby provide the relevant details of these inaccuracies, along with my requested corrections : Account with XXXX XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$560.00} ) : This account was never late. 
Please update this inaccurate information on my credit report. 

Account with XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} ) : This account is not mine. 
Please remove it from my credit report. 

Account with XXXX XXXX ( Date Opened : XX/XX/XXXX, XXXX : {$25.00} ) : The reported balance of {$25.00} is inaccurate. 
The Past Due amount should not be presented, as this account is closed and charged-off. 
Please mark this account as disputed while I resolve my dispute with the creditor. 
Verify the Date Opened, Date of Status, and First Reported. 

Account with XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$750.00} ) : This account is not mine. 
Please remove it from my credit report. 

Account with XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$8300.00}, Original Creditor : XXXX  ) : This account is not mine. 
Please remove it from my credit report. 

Account with XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} ) : This account is not mine. 
Please remove it from my credit report. 

Account with XXXX XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} ) : This account is not mine. 
Please remove it from my credit report.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway Credit Card Opened by the Thief Company or Organization : XXXX XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$1100.00} To further support my claim, I have attached documentation including : the police report from the identity theft complaint, also my Driver license to verify identity Please let me know if any additional information is necessary to remove the charge-off from your records. I appreciate your assistance. 



Sincerely, XXXX XXXX
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

For the past six months i have written to all three bureaus asking them to review the inaccuracy on my report one company under two different names they are allowing to report on my credit profile information thats not accurate XXXX and XXXX are the same company the Bureau is allowing them to report debt that isnt mines They allow them to report on my acct when i have never entered into any contract and they allow them to report the same date twice all the company did was change the amount of debt they also allowed them access to my credit file when i have a do not share on file i have security alerts on file XXXX been compromised several times by hackers i asked all XXXX bureaus to send me documentation showing what they received that allowed them to allow this behavior and i have told them that i dont have no payments due to these companies Im not late because i have no open accts with these people they reporting so many things wrong open acct, late payments and i have never made a payment or signed any contracts but they do nothing leave on my credit
Consumer complaint received 2015-07-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (VA)

Midland Funding is incorrectly reporting a collection account on all XXXX of my credit reports as an " Factoring account. I have never entered into any agreement with Midland Funding or any of its associates. They are updating this account monthly as " past due '' so as to cause a greater negative impact to my credit score. Because of the way they are incorrectly reporting this account, it appears to any other creditors that I have recently become late on a account and or loan when, in fact, I have not been late on or missed any payments with any creditors in nearly six years. This has caused me to be denied credit when I should have otherwise been approved. 

I sent a direct dispute to Midland Funding on multiple occasions specifying that they were incorrectly reporting a collection account as past due and requesting that they correct the information. They replied on stating that they were " unable to determine the nature of my dispute, and consequently deny that their records are inaccurate. '' I was very clear in my letter to Midland, I was very specific in my direct dispute, citing every error that was being reported. Midland 's response makes me believe that they did not even bother reading my letter or following up on any of my claims. 

Specifically, Midland may not list this account as a factoring account, as they are not a creditor and I have never entered into any agreement with them Midland also may not show the account as " Past Due '' as they are not a creditor and may not list an account as past due or current. Midland also may not report a recent payment history as they are not a creditor. Midland also may not list the terms of the account as " 1 Month '', as I have no terms or installment agreement with Midland. Finally, Midland may not report my payment status as " Past Due '' as Midland is not a creditor and I do not have any installment agreement with Midland. 

Due to the manner in which Midland is incorrectly reporting this account, they are in violation of 15 USC 1692e ( 2 ) ( A ), 15 USC 1692e ( 8 ), 15 USC 1692e ( 10 ), and 15 USC 1692f.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC (NJ)

I do not consent nor authorize the sharing of my information to the public, specifically with data aggregators who are looking to collect information on my behalf. ( XXXX, XXXX, XXXX ).
Consumer complaint received 2024-07-09
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: EQUIFAX, INC. (GA)

On XX/XX/XXXX I send out a certified verification letter for an account, XXXX XXXX, on my credit report its XX/XX/XXXX, and I still have not received anything.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Recently, I reviewed my credit report and discovered several inaccuracies. 

According to 15 U.S. Code 1681e ( b ) - Accuracy of report, a consumer reporting agency must follow reasonable procedures to ensure the highest possible accuracy of the information in a consumer report.

Additionally, 15 U.S. Code 1691i ( 5 ) - Treatment of inaccurate or unverifiable information, states that if, after reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify the information as necessary and notify the furnisher of the changes.
Consumer complaint received 2024-07-09
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. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-07-09
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. (DC)

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  XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX OXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-07
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: Experian Information Solutions Inc. (FL)

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX Account Number : XXXX Date of Charge Off : XX/XX/2023 Amount : {$1000.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Consumer complaint received 2024-07-09
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. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> XXXX, XXXX, Equifax Subject : Dispute of Late Payment Report Request for Correction Dear Sir/Madam, I am writing to formally dispute the accuracy of a late payment entry on my credit report. The specific entry in question is under the account [ Account Name # XXXX ], reported by [ XXXX XXXX XXXX ]. According to my records, the information is incorrect, and I am requesting an immediate correction. 

**Legal Basis for Dispute : ** 1. **15 USC 1681 ( a ) ( 1 ) ** : This section mandates that credit reporting agencies ensure the accuracy and fairness of the information contained in consumer reports. The erroneous late payment entry on my report is neither accurate nor fair.

2. **15 USC 1681 ( a ) ( 2 ) ** : This section emphasizes the need for the reporting system to be fair and equitable . Reporting an incorrect late payment undermines the fairness and equity intended by this law.

3. **15 USC 1681 ( a ) ( 3 ) ** : It is required that consumer credit reports are to be used in a manner that is appropriate and just. An incorrect late payment mark is an inappropriate and unjust use of my credit information.

4. **15 USC 1681 ( a ) ( 4 ) ** : The section outlines the importance of maintaining the confidentiality, accuracy, relevancy, and proper utilization of credit information. The current late payment entry fails to meet these standards, particularly in terms of accuracy and relevancy.

5. **15 USC 1681 a ( d ) ( 2 ) ( A ) ** : This provision excludes certain types of consumer information from being reported if they do not meet the criteria for accuracy and completeness. Given that the reported late payment is inaccurate, it should be excluded from my report.

6. **15 USC 1681 a ( d ) ( 2 ) ( A ) ( iii ) ** : The code specifies that information must be reported with maximum possible accuracy. As this late payment entry is erroneous, it fails to meet this criterion and must be corrected.

**Requested Action : ** In light of these regulations, I request that [ XXXX, XXXX XXXX Equifax XXXX investigate and correct this error promptly. I have attached relevant documentation ( e.g., payment receipts, correspondence with the creditor ) to support my claim. 

Please provide written confirmation of your receipt of this letter and an update on the status of my dispute within the time frame mandated by the Fair Credit Reporting Act. 

Thank you for your immediate attention to this matter. Should you require further information, please do not hesitate to contact me. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-07
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: Experian Information Solutions Inc. (NJ)

Applications were done in my name and this has hurt my credit and credit score. I have contacted Experian and the representative said they would be removed but I still see them on my credit report. This is making me anxious and causing me unnecessary stress.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I file a complaint because I did not consent to, authorize nor benefit from any of the following inquiries or accounts. 

ACCOUNT NAME : XXXXXXXX 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 XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over. Since XXXX business days from receipt of this communication allotted under the XXXX XXXX to block these entries, it should be understood that failure to do so within a XXXX business days period after receiving this letter constitutes reason to promptly delete the information from my credit file. Refer to : ( FCRA USC s 168li ( S ) ( A ) ).
Consumer complaint received 2023-11-21
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (SC)

I paid my lease payoff amount to XXXX XXXX XXXX XXXX ( XXXX ) in the amount of {$12000.00} on XX/XX/XXXX via wire transfer. Wire was payable to XXXX XXXX XXXX XXXX ( XXXX ). They received the money and told me I would receive the title and Bill of Sale within 15 days. I have yet to receive the title or Bill of Sale and am getting the runaround from them ever since. I have spoken with XXXX no less than 10 times since XXXX and have been lied to on several occasions as to the status of my title being sent to me. I was told by a manager named XXXX on XX/XX/XXXX that the title was with their title department at that time and it would be shipped to me within 3 days. That did not happen. I believe they are acting unethically and possibly scamming me. The delay has cost me well over {$1000.00} in the resale value of my car. I reached out to the XXXX  XX/XX/XXXX and have yet to receive any reply from XXXX or an update from XXXX  after they sent my complaint to XXXX. Complaint number with XXXX  is XXXX.
Consumer complaint received 2024-08-07
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. (WV)

I recently reviewed my credit report and noticed fraudulent accounts on my report. Please remove the accounts as they effecting my ability to obtain new credit. The following inquires was also not permitted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX  - XX/XX/XXXX, XXXX  XXXX XXXX  - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX, XXXX - XX/XX/XXXX