davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-15
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. (TX)

XXXX XXXX XXXX Has Violated my rights In accordance with the Fair Credit Reporting act XXXX  Account # 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 2023-04-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MN)

I have been contacted several times about debt that Portfolio Recovery Associates will not verify when I have asked in writing and verbally, I look at debts that are close to the amounts they are claiming and those debts are past the statute of limitations, and they changed the debt amounts constantly. They threatened to sue me, they have taken action to garnish my check, they have scared me into paying debts that quite possibly are not mine by threatening me with court. They will not stop calling me and will not verify the debts they say they are trying to collect eventhough they say they will within 30 days. I am still receiving calls from them, they have placed fraudulent information on my credit report, they are trying to ruin my life!!!! Please help me!!!
Consumer complaint received 2024-05-30
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: Experian Information Solutions Inc. (TN)

According to 15 USC 1681e ( b ) everything showing on my credit report should be complete and accurate. Please re-investigate the late payments showing on ( XXXX Account # XXXX ) Ive asked for these to be investigated multiple times. There are several inaccuracies. Please delete this late payment
Consumer complaint received 2024-06-17
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)

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 2024-09-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-06-15
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)

I am taking action to dispute and investigate these accounts as they are being wrongfully reported on my credit file. Under the Fair Credit Report Act, I am entitled to {$1000.00} for each incorrect entry. I understand that FCRA 605B mandates reporting any incorrect accounts on a consumer 's report.
Consumer complaint received 2021-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Equifax and XXXX should not be reporting that I am ( 120 ) days late on the XXXX partial account number XXXX and the XXXX XXXX XXXX partial account number XXXX. Also, Equifax and XXXX are reporting that I am ( 30 ) days late on the XXXX XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. I have also included my identification documents for reference. ) These FOUR accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on accounts with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and all of the line items need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2024-08-29
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC (MI)

From XXXX XXXX XXXX As of XX/XX/year> XXXX account {$260.00} is past due. The law clearly states If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DC)

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED MY XXXXXXXX XXXX  ACCOUNT BEING REPORTED INACCURATELY. THERE IS NO DEFICIENCEY BALANCE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REFLECTING ANY REPOSESSION STATUS AT ALL. REPORTING THIS INACCURATE INFORMATION IS IN VIOLATION OF THE FCRA : I have the right to privacy and this information is being reported without my written consent which is in violation of 15 USC 1681B.

Furnishing information pertaining to my transactions is in violation of 15 USC 1681A ( I ) But most importantly, your company has the responsibility of reporting maximum accuracy to my credit profile and not doing so is in violation of 15 USC 1681E ( B ) I'VE CONTACTED EACH BUREAU VIA CERTIFIED MAIL REQUESTING VERIFICATION OF THIS INFORMATION, AND INDEED ITS UNVERFIABLE.
Consumer complaint received 2024-06-05
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. (LA)

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 informationisinaccurate.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

The overwhelming stress and sleep disturbances resulting from this issue are exacerbated by the fact that I have diligently adhered to payment deadlines for this account. It's frustrating to encounter problems for actions I haven't undertaken. I earnestly implore you to swiftly resolve this issue, ensuring that my account accurately reflects the correct information and relieving the unnecessary strain it has caused me.
Consumer complaint received 2023-12-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (WY)

My information was sold and bought illegally because I was a victim of the Equifax XXXX XXXX. I want these items deleted from my credit reports, effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this XXXX XXXX and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports.
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXXXXXX XXXX XXXXXXXX Account name : XXXX Account name : XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX XXXX Account XXXX
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WV)

I am writing to delete the following information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-05-30
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)

Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2024-05-30
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)

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 has violated my rights. Or a 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 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

I have been trying to resolve this dispute for XXXX years. When XXXX hit, XXXX offered an alternative payment plan, which they advertised on their website and to their customers. Due to the global emergency, customers were put on a plan to pay less and not be reported. I was put on this plan but started getting reported each month. I have never had late payments until XXXX. I contacted them multiple times and explained that they had put me on the global emergency plan, and they agreed that I was not supposed to be reported. Despite this, I have been reported almost XXXX times for XXXX separate loans, and there has been no response from XXXX. They continue to threaten to charge off, and I continue to make payments as best I can, but I can not catch up with the past due amount. I would not have any past amount if they had never put me on the plan and reported otherwise. They fraudulently placed me on a plan and reported me as delinquent even though I made the new payment as required. I have documentation over the last three years to show they lied and continue reporting me. I will be seeking legal remedy with the state attorney general as well. These fraudulent practices shall not continue. They put me on a plan I didnt need, had me pay a different balance, and lied and reported me for not paying enough.
Consumer complaint received 2024-05-30
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)

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 XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a 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 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I leased a new car through XXXX  ( XXXX  financial ) and the dealer took the info to have the lease payments automatically debited from my account. I attempted to setup an online account and XXXX had an issue with the account and could not set it up for a number of months. Once they set up the account online, I saw the account was past due. I asked the dealer and they forgot to submit the required forms to remove the lease payments from my account. I remedied the account right away and brought it current. I called XXXX and explained to them how this late payment was their error due to the dealer negligence and their inability to open the online account in a timely manner. I also explained that I have multiple auto loans and mortgages through XXXX  and have never been late on a payment. I also let them know that they had my phone and email and never contacted me that the account had gone past due and the only reason I knew was checking once they approved the online account. Despite this, they refuse to remove the late payment from my credit report despite the fact that the error is clearly theirs and I had no way of knowing the account went late due to XXXX having an issue opening my online account access
Consumer complaint received 2024-07-17
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. (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. 

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 | These accounts/inquires have 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 an 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 or 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 2024-06-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MI)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-09-02
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. (MS)

I am writing to inform you that I have become a victim of identity theft, which has led to several fraudulent entries on my credit report. These 2 unauthorized accounts and 7 inquiries were added without my knowledge or consent. 

ACCOUNTS - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I have already submitted a formal report to the Federal Trade Commission ( FTC ) regarding this incident and now urgently request the immediate removal of these fraudulent items from my credit report.
Consumer complaint received 2024-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (IL)

I made a balance transfer on XX/XX/XXXX from an XXXX XXXX card to a citi card for {$3700.00}. After a couple of days I noticed that the balance was posted on my citi card but wasnt paid off on my amex card. After a constant back and forth between both banks I was told by citi that I made a mistake when putting in the credit card number and made a mistake on one of the digits. It appeared that the balance transfer I made was from a XXXX XXXX  account which I have no idea who the owner of that account is. I have been in constant contact with citi and they havent been able to help me. I was first told that an investigation was going to be opened and that a credit was going to be applied to my account between XXXX business days. After that time frame and after noticing that nothing was posted on my account I called again I was told it was going to be between XXXX business days. After XXXX business days I called again as nothing was posted on my account and I was told that I was going to get the credit after the investigation was closed. I called yesterday and apparently the investigation was closed, however I didnt get anything back. I was told by citi that I have to contact XXXX XXXX XXXXo get my money back as the money had already been deposited to them and there is nothing that they can do.