davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-08
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. (TX)

Subject : Dispute of Hard Inquiry on my Credit Report Dear Sir/Madam , I am writing to officially dispute a hard inquiry that is listed on my credit report. After reviewing my credit report obtained from your credit reporting agency, I discovered an inquiry that I did not authorize or recognize. I request an immediate investigation into this matter and ask for the removal of the hard inquiry from my credit profile. 
Details of the hard inquiry : - Inquiry Date : XX/XX/year> - Company Name : XXXX XXXX XXXX I would like to highlight the following concerns regarding this hard inquiry : 1. Unauthorized Inquiry : I have not given consent to XXXX XXXX XXXX or any other entity to perform a hard inquiry on my credit report. This unauthorized inquiry has been detrimental to my credit score and overall financial well-being.

2. Lack of Information : I am unaware of the specific purpose for this inquiry. I have not engaged in any new credit applications, loan requests, or any other activities that require a hard inquiry during the stated time frame.

3. Possible Error : It is possible that this inquiry has been reported incorrectly, or there may potentially be an identity theft issue. I request a thorough investigation to verify the legitimacy of this inquiry. In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to a prompt investigation of this disputed inquiry.

Therefore, I kindly request that you initiate the investigation immediately and provide me with a written response within the legally mandated 30-day period. Please provide me with the following information upon completion of your investigation : 1. Confirmation of the legitimacy of the hard inquiry. 2. The source of the inquiry. 3. Steps taken to rectify any errors or inaccuracies in my credit report. 4. Verification of the removal of the disputed hard inquiry from my credit profile. 5. Updated copy of my credit report reflecting the amendments made. I understand the importance of maintaining accurate and up-to-date credit information. I respectfully request your urgent attention to this matter and appreciate your cooperation in resolving the dispute promptly. Enclosed with this letter are copies of relevant documents supporting my dispute. Should you require any further information or documentation from me, please do not hesitate to contact me using the information provided above. Thank you for your immediate attention to this matter. I look forward to receiving a satisfactory resolution to this dispute within the designated timeframe.
Consumer complaint received 2024-07-08
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. (MD)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-07-08
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. (OH)

I am concerned about an account now being reported on my Equifax credit file. This demand is based on the fact that Consumer Adjustment Company Incorporated has failed to validate the alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ). 

I sent a cease and desist letter to XXXX XXXX XXXX XXXX, requesting validation of the alleged debt. As of this date, they have not supplied any documents or evidence to substantiate the validity of this debt. Under the FDCPA, a debt collector must cease collection efforts until the debt has been validated. Therefore, the continued reporting of this unvalidated debt is in direct violation of federal law. 

Furthermore, it is Equifaxs responsibility to ensure the accuracy and validity of the information it furnishes in consumer credit reports. By continuing to report this unvalidated and disputed account, Equifax is failing in its duty to maintain accurate and fair credit reporting standards. The presence of this unsubstantiated collection account on my credit report has caused significant harm to my credit standing and financial well-being.
Consumer complaint received 2024-07-08
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. (NY)

I RECENTLY CHECKED MY CONSUMER REPORT AND SEE SEVERAL UNAUTHORIZED CREDIT INQUIRIES ON MY REPORT. SEE LIST BELOW : XXXX. XX/XX/year> EQUIFAX XXXX XXXX XXXX. XX/XX/year> EQUIFAX XXXX. XX/XX/year> EQUIFAX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX. XX/XX/year> XXXX
Consumer complaint received 2024-07-08
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. (TX)

I am writing to report unauthorized credit inquiries on my credit report that I do not recognize. I have previously requested the credit bureaus to remove these inquiries, but they fail to do so.I am now providing an XXXX XXXX report ( will be attached to this compliant ). I kindly request that these inquiries be removed from my credit report as soon as possible for these inquiries are not mine and are inaccurate.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX 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 XXXX  days before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX  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 2024-07-08
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. (NY)

I am not liable for this debt with XXXX XXXX, I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as i requested.
Consumer complaint received 2024-07-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NJ)

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 2024-10-06
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Park Hill Holdings (CA)

I am filing this complaint to address significant concerns about the rental screening practices of SafeRent, which I believe have unfairly affected my ability to secure rental housing due to reporting inaccuracies.

Description of the Issue : Recently, I applied for several rental properties and faced rejections based on information from SafeRent. It appears that SafeRent 's heavy reliance on data, claimed to be sourced from XXXX, has led to the dissemination of incorrect details about my rental history and credit score.

Specifically, the reports generated by SafeRent misrepresent my rental score, inaccurately depicting me as a high-risk renter despite my consistent and responsible payment history. This mischaracterization has caused multiple denials from potential rentals, resulting in undue stress and hardship during my housing search.

Further exacerbating this issue are inaccuracies in my credit score, particularly those originating from SafeRent. SafeRent 's dependence on flawed reports means that my applications are being adversely affected by errors beyond my control.

I am deeply concerned that SafeRent 's use of such erroneous data not only undermines fair access to housing but also negatively impacts my overall creditworthiness, as landlords base their decisions on potentially inaccurate assessments. 

Requested Resolution : XXXX. Thorough Data Review and Correction : I request an in-depth review of the data SafeRent employs in tenant evaluations and correction of any inaccuracies in my credit score. 

XXXX. Transparency and Fair Treatment : I seek transparency regarding SafeRent 's methods for gathering and verifying information and assurance that my case will be handled fairly and accurately in future evaluations. 

XXXX. Guidance for Rectifying Discrepancies : I would appreciate assistance on how to correct the discrepancies in my credit report that may be adversely affecting my rental applications going forward.
Consumer complaint received 2024-07-08
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. (FL)

Please REMOVE and DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 

XXXX ... .Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX..DATE OF INQUIRY XX/XX/XXXX XXXX..DATE OF INQUIRY XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX ... DATE OF INQUIRY XXXX XXXX, XXXX XXXX XXXXDATE OF INQUIRY XX/XX/XXXX XXXX
Consumer complaint received 2024-07-08
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)

I have spent hours upon hours on the phone with XXXX  and the credit reporting Bureau 's. I will try to break down each point of discrepancy below : Issue 1 : The first date of delinquency on documents sent to me by XXXX was on XX/XX/XXXX. That is over 7 years, and most reporting agencies would have removed this from my credit. XXXX never reported this date, and when I dispute their reporting, they add worse items onto my credit, even after they previously reported them as correct. Both of which should violate the FCRA. 

Issue XXXX : My original line of credit ( XXXX ), which was opened in XXXX of XXXX, was never late, would take money out of my checking automatically to avoid any late payments, and was suddenly closed by XXXX. A new account was then opened without my knowledge. I do not think the setup was the same, XXXX  can not confirm if any changes were made, and I also requested proof of where I signed anything to start the " new '' line of credit account, and have received nothing. If they can not prove this was an error on their end, I believe this is another reason they should remove my account from all credit reporting. 

Issue XXXX : Their employees on the phone are unable to see most of what I am disputing. They also have told me conflicting information from what the credit reporting agencies tell me. They say the fall off date is the date on which the account was closed ( which they have changed several times with the credit bureaus ), which the bureaus state that the fall off date would be from the date of first delinquency ( which was over 7 years ago showing as XX/XX/XXXX ). As of now, I still have all of my accounts with XXXX. They send me pre-approved offers for credit cards and the same line of credit, but they belittle me when I try to ask for information/documentation, etc. on the phone. I need someone to verify what they are doing is indeed in line with FCRA policies, and intervene if they can not answer the points I have outlined above. Also, this account is paid in full, I owe them no money, they just tell me to " go to your local branch '' and obtain documents that they themselves can not see. If that is the case, how is this information being verified?
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am submitting this complaint to address an ongoing issue with rental screenings that has led to inaccurate rental scores, adversely impacting my ability to secure housing. I have faced repeated denials for rental applications, with repeated branding as a " risky renter '' due to these erroneous scores. 

The primary problem stems from third-party rental screening companies that use their own FICO Scores instead of the more relevant FICO Score XXXX, which is widely accepted by landlords in the evaluation process. This misrepresentation has unjustly impacted my perceived creditworthiness and has hindered my chances of obtaining suitable rental properties. 

Additionally, the situation has been exacerbated by tenant screening services such as XXXX and XXXX, both of which depend on their own flawed screening information. This reliance on inaccurate data further negatively impacts my rental applications. 

Furthermore, the combination of diminished rental scores reported by these screening companies, along with lower credit scores from XXXX, TransUnion, and XXXX as reported by XXXX and XXXX, has resulted in an overall decline in my credit standing. This situation has intensified the challenges I face in securing rental housing. 

I urge the CFPB to investigate this matter and take necessary actions to ensure more accurate rental screening practices are adopted, allowing fair access to housing for all renters. Thank you for your attention to this serious issue.
Consumer complaint received 2024-07-08
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 2019-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (OH)

Hello I have contacted all the three credit card companies and advised them that these accounts have been opened fraudulently. I was XXXX overseas in XXXX when theses cards were opened in my name. I have sent them my XXXX papers and and FTC Identity theft paperwork and yet they fail to remove these accounts off my credit report. The dates are approximately XX/XX/XXXX thru XX/XX/XXXX Here is a list of these accounts : AMERICAN EXPRESS BALANCE {$1900.00} XXXX BALANCE {$2500.00} XXXX XXXX XXXX XXXX XXXX  BALANCE {$2300.00}
Consumer complaint received 2024-07-08
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. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My account with XXXXXXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX 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 in XXXX, XXXX, XXXX, XXXX, AND XXXX to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-07-08
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the XXXX XXXX XXXX Committee on accuracy and completeness of credit information I am formally writing in XXXX  to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-07-08
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

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 XXXX, my XXXX, my XXXX XXXX XXXX and to my XXXX

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 2024-07-08
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. (SC)

Rights are subject to be held under 15 USC 1681.

Equifax is govern by 15 USC 1681. My rights were in fact violated on numerous occasions. According to 15 USC 1681, I have the right to privacy and did not give Equifax written permission to furnish the accounts below and demand they be removed immediately. 

Accounts : XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX ; and XXXX XXXX XXXX