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

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 Account # XXXX, XXXX XXXX account # XXXX, XXXX Account XXXX XXXX, and XXXX XXXX  Account # XXXX has violated my rights. 

156 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

" 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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

I have sent multiple dispute letters regarding inaccurate information on my credit report, but the issues persist. Recently, I conducted an investigation of my credit report and discovered unverifiable, invalidated, inaccurate, and questionable items that your agency failed to report accurately. This has caused me XXXX  distress and XXXX. 

In accordance with the Fair Credit Reporting Act, all information on my credit report must be 100 % accurate. The accounts in question violate FCRA regulations, specifically under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), which mandate complete accuracy in reporting. 

Attached are copies of all correspondence sent regarding this matter. I urge you to rectify these errors promptly and ensure that my credit report reflects accurate and verified information as required by law.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

The credit bureaus are violating my rights by reporting inaccurate information on my credit report and I beleive that is a violation of the FCRA and FDCPA. I'm about to speak ti a FCRA attorney about this.
Consumer complaint received 2019-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Conn's, Inc. (TX)

I have tried Several Times through the Credit Bureau 's as well as through several letters l have sent directly to Conns Appliances Inc/ Conn Credit Corp ( See Attachment ) to get Conns Appliances to send  me the Documents required by Law to share to be what they claim l owe, as they are under Credit Reporting Agencies in violation of the reporting requirements of the FCRA , Section 623, Responsibilities of Furnishers of Information , and for which are responsible to furnish  to me or else Delete that on my credit reports. 

I called the Customer Agents on the phone numbers on my reports and letters l have sent have not been responded to for over 30 plus days and they could not validate the referenced accounts and hence, how is this possible to be reported to the Credit Bureaus without documentation proof with my signatures and all related supporting signed details l am to be furnished with they have violated FCRA 623 ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER, They have been unable to perform a reasonable investigation, unable to locate the necessary documents to investigate my dispute ( s ) ; then are required by the FCRA to remove the negative information from my credit reports, which also include complete removal of the account ASAP.
Consumer complaint received 2024-06-28
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: Experian Information Solutions Inc. (FL)

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2024-06-28
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'M IN DISAGREEMENT WITH THE ACCOUNT LISTED BELOW WHICH STILL APPEARS ON MY CREDIT REPORT, EVEN AFTER YOUR INVESTIGATION. 

I WOULD LIKE THIS ITEM IMMEDIATELY RE-INVESTIGATED. THE INACCURACIES ARE HIGHLY INJURIOUS TO MY CREDIT SCORE ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, PUBLIC LAW 91-506, TITLE VI, SECTION 611, PLEASE PROVIDE THE NAMES AND BUSINESS ADDRESSES OF EACH INDIVIDUAL WITH WHOM YOU VERIFIED THE ACCOUNT, SO THAT I MAY FOLLOW UP. PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT AFTER YOUR REINVESTIGATION.
Consumer complaint received 2024-06-25
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. (IL)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-06-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (PA)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-09-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Valor Intelligent Processing, LLC (IL)

XXXX intelligent processing, LLC. is violation constitution of the United States 1st amendment, to be free from extortion, bribery, and concertino tactics. This company is violating 18 USC 894 is CO-SPIRE to commit crimes with XXXX that is against their department policy, the CFPB, FRCA, FTC, THE TERMS AND PROVISIONS OF THE UNITED STATES. This is Extortion and fraudulent tactics under the FTC laws and 18 USC 892, this company is using abusive language and threats and harassment 1692 d, 15 USC ( d ) ( c ). violation of 42 USC s 1307, violation of FARA no Foreign Agents Registration Act of 1938, this company as acting under fraudulent LLC, and is extorting Elderly and ADA live free men and lady 's, children. I am A American with a XXXX, and IM ALL LAW, my XXXX account was Paid in full, by All accounts are pre-paid see Congressional Record XXXX, XXXX XXXX on HR 1490, p 8.3, see Title 10 section 8, see FRN are obligations of the UNITED STATES HJR 192 see title 31 section 3123 see title 31 section 3130, see title 31 section 3124, EXEMPTION FROM TAXTATION. THIS COMPANY IS CAUSING irreparable harm, Libal / slander, UNDER DURESS
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

XX/XX/XXXX To Whom It May Concern : It has come to my attention, after reviewing my online credit bureau report with Equifax, XXXX and XXXX, I immediately noticed unauthorized inquiries and credit accounts on my report. 
I also have noticed that my credit profile has become unlocked, without my permission. 

According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed! 

This is an immediate request for an update to remove all unverified and unauthorized inquiries and accounts from my credit report and ensure that your systems maintain the correct information. 

Please see all included documentation that lists my current and updated address, that I have lived for the past XXXX years. Please remove any other address your system may have found. 



Unauthorized Credit Accounts to be Removed 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 {$300.00} Incorrect Addresses to be Removed IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company is not authorized to share any of my personally identifiable information with any creditor or outside agency for which I am disputing. 
Once the inaccurate information has been removed, you are required to MAIL AN UPDATED credit report to my home address within 30 days of resolution. 

I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (KY)

I am in trying to utilize my Veteran Home Loan, and I unable to do so with any, " dispute comments, '' on my credit reports. I have been in contact with all three credit reporting agencies for over two months as of this CFPB complaint about having these comments removed. After every phone call, I am assured that the comments have been removed. However after waiting the 72hrs for the comments to fully remove from my reports per credit reporting agency, they are still there or have re-appeared. My mortgage company 's credit manager keeps sending me screen snippets with the accounts still showing on my report. I called the credit reporting agencies again, and I was told that I needed to have the original debtors to have them removed, " since they are the ones that keep reposting it, '' per the credit agency representative. I spent three hours on the phone this morning going back and forth with different companies and not one company was able to see the comments on their end. No one is taking the responsibility to see the comments to have them removed, so I can purchase a house for my wife and XXXX kids. 
I need help removing the comments from : XXXX XXXX XXXX and XXXX XXXX  accounts showing on my credit reports. 

I have been trying since XXXX to have these comments removed, and they keep popping back up on my credit reports. This is impacting my ability to utilize assets that I have earned by being a XXXX XXXX XXXX
Consumer complaint received 2024-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

Subject : Dispute of Credit Reporting Inaccuracy Account Discharged in Bankruptcy To Whom It May Concern, I am writing to formally dispute the reporting of my Best Buy/CBNA account, number XXXX, which is being inaccurately reported on my credit profile. This account was included in a XXXX  XXXX bankruptcy that was fully discharged on [ Date of Discharge ]. According to the legal discharge documentation, this account should be reported with a balance of {$0.00} and a status indicating " Discharged in Bankruptcy ''.

Current Details of the Disputed Account : Reported Information : No Data Required Correction : Status updated to " Discharged in Bankruptcy '' Under the Fair Credit Reporting Act ( FCRA ), I request that CBNA conduct a thorough review and correct the reporting of this account to accurately reflect its status as discharged in my bankruptcy. Attached are copies of the bankruptcy discharge papers and the court decree, which verify the discharge of this debt. 

Please update the status of this account in your records accordingly and inform all credit reporting agencies of this correction to ensure that my credit report is accurate and up-to-date. 

I would appreciate a written confirmation of this letter 's receipt and expect to be updated on the progress of your investigation. Additionally, I request an updated copy of my credit report upon the resolution of this dispute to verify the applied corrections. 

Thank you for your prompt attention to this matter. Please feel free to contact me at the provided contact details should you need any more information or further documentation. 

Sincerely,
Consumer complaint received 2024-06-25
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. (VA)

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  Account Number : XXXX
Consumer complaint received 2019-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

All Four accounts showing overdue and in collections from XXXX, XXXX, XXXX, and XXXX were previously paid and are falsely being reported to the credit agencies. I have attached the receipt I requested from the collection agencies.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

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

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

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

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 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 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

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 2024-09-14
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (MN)

I was XXXX XXXX XXXX when I went to school to become a XXXX XXXX. After deferring my loans, no one explained that I would start occurring interest. Once on a payment plan I owed more than double the loan amount!!! After being told to make so many payments of this amount I was never told I wasn't paying enough for the interest still and my loan amount never moved. After paying more than the original loan amount I still owe over {$10000.00} dollars when the original amount was already paid off. I feel like they have been a predatory loan servicer and I need help!!! Please!!! I am a good human that always does the right thing. I just can not keep battling this. I've called them and gotten I to arguments with them about this loan with no solution.
Consumer complaint received 2024-07-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Data Check of America LLC (TX)

I received a call from a supposedly litigation company called XXXX XXXX XXXX XXXX claiming to represent a company called Data Check XXXX. They said the were calling about supposed bounced check for XXXX to XXXX XXXX from XXXX. They said with late fees I owed over XXXX and I needed to pay today or they were going to take legal actions to garnish my wages. I said it was absurd and the said they could reduce the amount to a little over XXXX. I believe this is a scam. Statue for bounced check is XXXX years according to info that I researched. This is XXXX old. I don't even know if a check really bounced. I will take my chances!
Consumer complaint received 2024-08-25
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV INC. (TX)

I, claimant/consumer immediately request that funds stolen from my account are returned expeditiously in the amount of {$3800.00}. Of this amount, {$3000.00}, which was fraudulently Transferred from Money Network Account to an online account at XXXX, that claim/ticket number is XXXX  XXXX. XXXX has quickly taken steps to secure those funds and that account has been restricted, as told me to my XXXX, XXXX of the members on the XXXX team. I will use all the information I've uncovered report and ensure this kind of fraudulent activity is STOPPED and the agency quickly rewrite their policy and guidelines, making is extremely difficult for something like this to happen again. PLEASE NOTE THAT EMPLOYEES, WHO has ACCESS TO THIS INFORMATION SHOULD BE BONDED BEFORE BEING HIRED IN A FINANCIAL SECTOR. 

I became suspicious of this company after hearing how long they told me it would take to get my money back if the dispute was " found in my favor ''. I was also discouraged from canceling this transaction. At this point, I felt as if they did not want me to file a dispute. I was trained in previous positions ( experience ) to know how to stop this and learned more information about tracking and tracing where these funds went than they did.