davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-24
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 XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

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

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

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

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-09-18
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  Date of Inquiry : XX/XX/year> Account name : XXXX  Date of Inquiry : XX/XX/year> Account name : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Account name : XXXX XXXX Date of Inquiry : XX/XX/year> Account name : XXXX  Date of Inquiry : XX/XX/year> Account name : XXXX  Date of Inquiry : XX/XX/year> Account name : XXXX XXXX  Date of Inquiry : XX/XX/year> Account name : XXXX  Date of Inquiry : XX/XX/year> Account name : XXXX  Date of Inquiry : XX/XX/year> Account name : XXXX XXXX XXXX XXXX of Inquiry : XX/XX/year> Account name : XXXX XXXX XXXX of Inquiry : XX/XX/year> Account name : XXXX  Date of Inquiry : XX/XX/year> Account name : XXXX XXXX XXXX  Date of Inquiry : XX/XX/year> Account name : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Account name : XXXX  XXXX XXXX Date of Inquiry : XX/XX/year> Account name : XXXXXXXX XXXX Date of Inquiry : XX/XX/year> Account name : XXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/year>
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX Balance : {$2800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-28
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. (GA)

Subject : Request for Validation of Negative Items on My Consumer Report Dear TransUnion, I am writing to dispute the following negative items that appear on my consumer report. I am requesting that you validate these items and provide me with the method and source from which this information was obtained. 

The specific items I am disputing are : 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  According to the Fair Credit Reporting Act ( FCRA ), you are required to investigate my dispute and provide me with the verification of the accuracy of these items. Please provide me with the following information for each disputed item : Date of the negative item. 
Name of the creditor or lender. 
The original source of the information. 
Full details of the negative item, including the amount in question. 
Proof that the negative item is accurate and verifiable. 
If you are unable to validate the accuracy of the negative items, I request that these items be removed from my consumer report immediately. 


Thank you for your prompt attention to this matter. I look forward to receiving your response and the necessary validation for the disputed items. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-18
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)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-09-18
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. (NY)

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.

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 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (SC)

Please Remove These Accounts and Inquiries : 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 2015-04-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NC)

I applied for a loan modification as a result of a loss of employment. The program offered by Nationstar was appreciated but I respectfully declined. The program offered did not make good financial sense considering how severely underwater my mortgage is. 

On multiple occasions, I submitted written/verbal requests to Nationstar Mortgage declining the deferred payment plan. Nationstar has failed to remove the Home Affordable Unemployment Program. Additionally, my most recent payment remitted to Nationstar Mortgage was n't applied correctly. 

I have attempted to contact representatives from Nationstar Mortgage on several occasions for a resolution to no avail.
Consumer complaint received 2024-09-18
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 2023-10-04
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (TX)

I had internet service with XXXX XXXX at my residence located in XXXX, NH. I cancelled the services on XX/XX/XXXX of XXXX  and moved to XXXX XXXX, TX. XXXX  then decided to bill me {$94.00} for the month of XXXX, for a service that I had already cancelled at an address that I no longer even lived at. I called my bank ( XXXX XXXX ) to dispute the charge on my card, and they said they would contact XXXX  and handle it for me. I filed the dispute with XXXX XXXX on XX/XX/XXXXXXXX  and the dispute was resolved ( and the charge refunded ) on XX/XX/XXXX. 
Sometime around XXXX of XXXX  ( can't find exact dates ) I started to received collections letters from XXXX XXXX XXXX regarding unpaid debt to XXXX. i told disputed the claim with them, and it was dropped. Then in the summer of XXXX, Amsher purchased this bogus debt and tried to collect. I disputed it with them as well, and they took it to the credit bureaus. I've already started disputes with XXXX, XXXX, and XXXX. They recommended reaching out to your organization to stop XXXX  from doing this further. Due to their fraudulent charges, my credit score has gone from over XXXX a year ago to just a XXXX. This is pretty nefarious.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant XXXX XXXX XXXX XXXX of the Fair Credit Reporting Act of 1997. As required by the XXXX, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-18
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. (PR)

In accordance with the fair credit reporting XXXX  XXXX # XXXX, has violated my rights. 

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.
Consumer complaint received 2024-09-18
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. (MO)

I applied for a XXXX XXXX in XX/XX/year> and it was approved. In XXXX of XXXX  The Forbearance was complete and I received a FHA partial claim to get back to current on my mortgage. XXXX XXXX is reporting the Foreclosure status on my credit report instead of reporting only the status at the time of my application for the XXXX XXXX as outlined in the XXXX XXXX. 
Mortgage company is reporting the delinquency up to the end of the forbearance up to the payment of the FHA partial claim ( XX/XX/year> ) I have requested a dispute from all XXXX credit bureaus for it to be updated and the disputes came back unresolved and still showing delinquency status after XX/XX/year> when I applied for the Cared Act Covid Forbearance.
Consumer complaint received 2024-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Issue : XXXX XXXX XXXX  is reporting a charge-off ( CO ) on my credit report every month for the past three years, indicating that I have an outstanding balance or am delinquent on my payments. This is inaccurate and causing harm to my credit score. 
Laws : Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681c ( a ) : A creditor can only report a charge-off ( CO ) once, when the account is initially deemed uncollectible. 
XXXX XXXX Guideline 4.1 : A creditor can not report a CO every month, only when there is a change in the status of the debt. 
FCRA - 15 U.S.C. 1681i : A creditor must conduct a reasonable investigation of a dispute and correct any errors on the credit report.

FCRA - 15 U.S.C. 1681s-2 : A creditor must update the credit report to reflect any changes in the status of the debt. 
Violations : XXXX XXXX XXXX  reported a CO every month for XXXX years without a change in the status of the debt, violating FCRA - 15 U.S.C. 1681c ( a ) and XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX  failed to conduct a reasonable investigation of my dispute and correct the errors on my credit report, violating FCRA - 15 U.S.C. 1681i. 
XXXX XXXX XXXX  failed to update the credit report to reflect any changes in the status of the debt, violating FCRA - 15 U.S.C. 1681s-2. 
Damages : Harm to my credit score Emotional distress Loss of credit opportunities Request : Order XXXX XXXX XXXX to correct the errors on my credit report Award damages for the harm caused by XXXX XXXX XXXX  's inaccurate reporting Impose penalties on XXXX XXXX XXXX  for their violations of the FCRA and XXXX XXXX guidelines Supporting Documentation : A copy of my credit report showing the inaccurate reporting A copy of my dispute letter to XXXX XXXX XXXX  A copy of XXXX XXXX Bank 's response to my dispute Additional Information : XXXX XXXX XXXX  's reporting of CO every month for XXXX years without a change in the status of the debt is a clear violation of the FCRA and XXXX XXXX guidelines. 
I request that the CFPB take immediate action to correct the errors and hold XXXX XXXX XXXX  accountable for their actions.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX SECTION XXXX SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$2100.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$19000.00}
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Consumer Name : ( XXXX XXXX ) Consumer Social Security Number : ( XXXX ) Consumer Date of Birth : ( XX/XX/XXXX ) To whom it may concern, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block all information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX, under the account number ( XXXX ), a personal credit card opened at XXXX XXXX XXXX on XX/XX/XXXX, under the account number ( XXXX ), and a personal credit card opened at XXXX XXXX XXXX Bank on XX/XX/XXXX, under the account number ( XXXX ). These accounts have resulted in several hard inquiries, collections, accounts being late, along with 3 charge offs appearing on my consumer FICO credit report. I have attached a copy of the consumer FICO credit report maintained by you which shows the fraudulent items that were previously mentioned. I am completely unfamiliar with all the previously mentioned accounts, and they are all listed as charged off. None of the accounts, collections, hard inquires, or charge offs were open, made, or initiated by me. All the previously mentioned accounts are the result of identity theft and fraud. I have attached a copy of an FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, delinquency, and payment history are the result of identity theft and fraud.
Consumer complaint received 2024-09-18
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. (PR)

I am writing regarding a credit inquiry that appears on my credit report dated XX/XX/year> under the name of XXXX XXXX. I would like to inform you that I did not authorize this inquiry and I am formally requesting that it be removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

The FCRA stipulates that credit reporting agencies may only include inquiries that have been authorized by the consumer. Since I did not provide consent for this inquiry, I am requesting that you remove it from my report and provide written confirmation once the removal has been completed. 

Please treat this matter with urgency. I appreciate your attention and look forward to your prompt response.