davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-24
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 requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-10-21
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX XXXX [ XX/XX/XXXX ] I am writing to formally dispute the reporting of the charge-off account associated with Account XXXX on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( Reinvestigation of Disputed Information ), and 15 U.S.C. 1681s-2 ( Responsibilities of Furnishers of Information ), I am entitled to request and receive complete and accurate documentation to verify the accuracy and l egality of this accounts reporting. Additionally, under [ Your State ] l aw, I am requesting proper validation of this debt. 
I would like to highlight several cases that affirm my right to dispute this i nformation and request accurate reporting. In XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ), the court emphasized the duty of credit reporting agencies and furnishers to ensure the accuracy of the information reported on consumers ' credit reports. Furthermore, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX. XXXX ) reinforces the requirement that furnishers conduct proper investigations into disputes and verify the accuracy of their reporting. 
To properly validate this account, I am requesting the following : 1. Authenticated Double-Entry Accounting Records
Consumer complaint received 2024-09-19
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)

All XXXX Bureaus are not reporting the same information and thats a violation of the fcra the last date active is inaccurate the account is reporting open across all XXXX bureaus but they have it listed as a charge off and thats a violation Equifax is reporting paid as agreed but reporting the account as charged off as well
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I need your support in addressing the incorrect account showing up on my credit report. I am bringing this up because it has significantly damaged my reputation, and I require your help. Your mistakes in handling my credit report have put me in a difficult situation, ruining my reputation due to inaccurate reporting. Please take action to remove these incorrect entries.
Consumer complaint received 2019-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I submitted a request to investigate personal information as well as accounts I did not recognize on my XXXX  report. I sent in identifying documents such as drivers license and SSN card. I received a letter saying they were not going to reinvestigate my claims and they sent me a copy of my credit report with the same information reporting incorrectly. They also asked for me to send in ID and SSN In order to effectively handle my dispute however I had already originally sent the SSN and Drivers license in with the original dispute which leads me to think they never viewed or investigated any of my concerns instead they just sent an automated rebuttal letter refusing to fix the errors they are reporting on my credit.
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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 XXXX XXXX XXXX. 

XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX, 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 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 2023-11-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (PA)

I contacted the Collection agency to question the validity of the alleged debt however, upon providing my personal information the agent on the phone stated that I had provided a different social security number, I asked the agent what number they had on file she responded that she's unable to provide the number because although it has my name and addresses the social was incorrect. I asked why they continued reporting to all XXXX credit bureaus. I want this removed from my credit files for inaccuracy, not my Social Security Number. 

Midland Credit Management
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

Upon reviewing my consumers report, I realized that a few accounts listed did not belong to me. I have never applied for anything with these companies, and I am not sure how they got my personal information. 

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 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

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 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 

I sent XXXX, Equifax and XXXX a FTC report with all of my documentation
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Reason for Dispute : My payments were made on time, but due to a clerical error by the creditor, the payments were incorrectly recorded as late. The payment confirmations from my bank show that the payments were cleared well before the due dates. I have enclosed copies of these confirmations for your reference. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-19
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. (NM)

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 XXXX 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 2024-07-24
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 file a formal complaint against XXXX, Equifax, and XXXX Credit Bureaus for their continued failure to remove unauthorized hard inquiries from my credit report. Despite providing substantial evidence since XX/XX/year>, the credit bureaus have not corrected the inaccuracies, which has adversely affected my financial standing and creditworthiness. 

The four hard inquiries in question were reported without my authorization. I have submitted the following documentation to the credit bureaus multiple times : Proof of Identity : Valid government-issued ID.

Proof of Address : Bank statement ( as requested as an acceptable verification of address Proof from Creditor : Written confirmation from the creditor stating they did NOT pull my credit.

Violations of the Fair Credit Reporting Act ( FCRA ) Under the FCRA, specifically 15 U.S.C. 1681i, credit reporting agencies are required to investigate and correct any inaccurate information on a consumers credit report within 30 days. Despite my repeated submissions and clear evidence, the credit bureaus have failed to remove these unauthorized inquiries, constituting a willful or, at the very least, negligent violation of the FCRA.

Violations of Texas Consumer Rights According to Texas Business and Commerce Code Chapter 20, Texas consumers have the right to request the removal of inaccurate information from their credit reports. The law mandates that credit reporting agencies must correct or delete any erroneous information within 30 days upon receipt of a dispute. The failure to comply with these requirements not only violates my rights under federal law but also under Texas state law. 

Impact of Inaccurate Information The continued presence of these incorrect hard inquiries has caused substantial harm, including : Lowered credit score Reduced ability to obtain credit on fair terms Emotional distress and financial uncertainty I urge the CFPB to address this matter with the seriousness it deserves and to take immediate corrective action against the credit bureaus for their violations. Please consider this letter as my formal complaint and request for intervention. 

I expect a prompt response within 15 days of receipt of this letter. You may contact me at XXXX for any further information or clarification. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I sent a letter on XX/XX/XXXX, to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$70.00} XXXX XXXX XXXX Originalcreditor XXXXXXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : $ XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired onXXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired onXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXXInquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXXInquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XXXX XXXX, XXXX XXXXXXXX Inquired on XXXX XXXX
Consumer complaint received 2024-07-24
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)

I am writing to delete the following information in 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-09-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/year>2024 my father passed away I am next to XXXX. So I called to make sure I could get a XXXX  on his case. That is deceased client number. I was told by a XXXX XXXX going to the branch and look at withdraw the proper amount to give my dad a proper burial. I walked into the branch I was shoot away like a fly that was told that they don't offer those services at all and that there is not a thing known as the deceased client number. This is the branch off of XXXX XXXX XXXX XXXX California. I called the State Servicing back they apologized for the misconduct of their Bank representative and misinformation I called another branch on the XXXX XXXX Florida and they did confirm that I'm supposed to be able to withdraw money for the funeral and they apologized. What I want is compensation. I have sent my letter intent to sue XXXX estate servicing which says that they uploaded it to the proper XXXX and have yet to have a response it took me an increasingly long time to get everything taken care of through the bank liquidating the estate. Finally done. But I am still left with the fact that we might have had to do a car wash had we not had the money to properly bury my father luckily he had a beautiful service as our dear XXXX XXXX. My amount I originally asked for was XXXX XXXX. The gross disregard disrespect and ignoring the issue is going to cost a lot more.
Consumer complaint received 2024-07-26
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. (MI)

According to 15 USC 1681 E B You are suppose to ensure maximum possible accuracy. This account is not accurate according to the Fair Credit Reporting Act.

Delete account immediately for violating 15 USC 1681 E B I have compared both XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX. That's being reported to TransUnion and XXXX credit reports. See Attached Documentations XXXX reports that XXXX XXXX XXXX XXXX was paid/closed/never late. XXXX also listed last payment date of XX/XX/2023. The last payment made XX/XX/2023. 
Transunion on the other hand reports paid/closed ; was 30 days past due date. In the payment staus column. The same exact closed date as XXXX does XX/XX/2023. The exact same reported date updated XX/XX/2023. 
As you view my supporting documents. In XXXX of 2023 TransUnion never reported for that month. While XXXX reported for the month of XX/XX/2023. 
This is inaccurate information being reported by TransUnion. I ask that you Delete account
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX. 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. 

They are not in compliance with the following law. XXXX XXXX XXXX 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! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

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

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 XXXX 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 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

On multiple occasions, I have requested verification of my account details, specifically asking for proof of the periodic statements and the disclosures required under Section 1637 ( b ) of the Truth in Lending Act. I also requested evidence that these documents were mailed or delivered to me at least 21 days before the payment due date, as required by law. 

Despite my requests, I have not received the necessary documentation or verification. This lack of response and the failure to provide essential information are unfair, illegal, and fraudulent, and have caused me undue hardship as a consumer.
Consumer complaint received 2024-10-16
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

Bank of America was the trustee for a company sponsored Health Savings Account. Bank of America charge {$4.00} a month and then later {$2.00} a month between XXXXXXXX XXXX XXXX totaling {$300.00}. 

Bank of America made no attempt to contact me as the account holder of the funds available in the HSA or the fee structure associated. A credit card account was set-up during this period of time with corresponding credentials which would have allowed them to associate the account and notify me of its status. 

The interest accumulated was lower than the fee structured resulting in diminished account balance despite no health care reimbursements being made during that time. 

They have failed as a trustee of the account to notify the account holder its status and diminishing value, ultimately siphoning funds unfairly for their own benefit.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I am utterly disappointed with the results of my previous complaint- as I thought my request of getting these inaccuracies removed would have been favored, but nothing has been done. I am getting frustrated as the day passes by and it's affecting my mental health.