davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NC)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

"
Consumer complaint received 2023-04-06
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. (CA)

I checked my credit reports and realized a 30-day late payment was placed on their XX/XX/2022. I reached out to the creditor and credit bureaus about deleting this negative mark on my credit reports. They both only responded that the mark was accurately reported in which is was not. This has caused my XXXXredit score to drop XXXX points. 

The following account/late payment should not be reported late without my written instructions or consent. The credit bureaus are in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( I ) THE LAW CLEARLY STATES : A Late payment is a transactional history, My HISTORY with your company and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

This means the late payment should be deleted from my credit reports.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WA)

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 the following unauthorized accounts and inquiries : Account 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/year>
Consumer complaint received 2024-09-17
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. (MS)

I just looked at my credit report and I noticed that there are some hard inquiries on my credit report that don't have a permissible purpose according to the Fair Credit Reporting Act. Anything furnished on my consumer report must have a permissible purpose according to 15 USC 1681B XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B
Consumer complaint received 2018-10-09
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (GA)

XXXX XXXX XXXX sent me a nonrenewal letter for insurance because they claim I had 3 claims/losses this year. This is not true. I had a roof replaced in XX/XX/2017. Policy of 20 years XXXX XXXX, roof claim XXXX. S3veral other phone inquiries with no. Assigned, but no appraisal report if estimated work or other paperwork or payment. From a business accounting perspective it is not official ir legitimate. Insurance Fraud. 

We only had another roof claim 15 years ago and paid XXXX a month a year premium resulting in no loss best I can calculate. I filed a complaint with insurance commissioner. No response. XXXX XXXX XXXX did not provide detailed records to me. I think this is additional predatory harassment and good ol boy tactic to steal home. Criminal appeal pending in superior XXXX county.
Consumer complaint received 2024-08-19
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. (NE)

I checked my credit report and saw more wrong items that I did not authorize or approve. Here are the following inquries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Here are the following accounts that I did not authorize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am seeking your support to address the incorrect account listed on my credit report. This matter has harmed my reputation, and I need your intervention. Your mismanagement of my credit report has caused me significant distress, and I urge you to eliminate these false details.
Consumer complaint received 2024-08-19
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # 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
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (NV)

I am writing to express my concerns and seek assistance in resolving an issue I am currently facing with a credit building entity known as Self Financial.

Regrettably, I have noticed a discrepancy in the credit reporting from Self Financial, where they have incorrectly reported my balance to the credit bureaus. This occurrence appears to be a violation of my consumer rights, which I believe merits serious attention. 

In an attempt to rectify the situation, I initiated communication with Self Financial, providing them with an opportunity to amend the error. Unfortunately, despite my earnest attempts, there has been no subsequent action taken to rectify this mistake. It is disconcerting to note that my legitimate concerns seem to have been overlooked, a situation that raises questions about the customer experience for other consumers utilizing their platform. 

In light of the gravity of this matter, I am keen to discuss this further with an appropriate representative who could help address and resolve this pressing issue. Please consider this a matter of urgency. 

I appreciate your prompt attention to this matter and look forward to your response at your earliest convenience.
Consumer complaint received 2023-07-07
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: Experian Information Solutions Inc. (NY)

This is my multiple letter that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 


XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX , XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am filing this FTC Identity Theft Affidavit to report 4 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of idenity theft and fraud. These fraudulent accounts consist of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX in the amount of {$240.00}, XXXX  XXXX XX/XX/XXXX in the amount of {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX in the amount of {$230.00} in account with XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$9500.00}. These accounts have resulted in several fraudulent collections appearing on my FICO credit report. I demand that the afromentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Consumer complaint received 2024-10-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

AFTER APPLYING FOR A LINE OF CREDIT AND/OR PERSONAL LOAN MY INFORMATION WAS SHARED ACROSS THE BOARD TO SEVERAL OTHER AGENCIES WITHOUT MY AUTHORIZATION OR PERMISSION AND I HAVE BEEN BOMBARDED BY OFFERS AN EMAIL AND GUARANTEES WHICH HAVE ALL TURNED OUT TO BE FALSE AND UNTRUE AND HAS BROUGHT DOWN MY CREDIT SCORE TREMENDOUSLY. COMPANY NAMES I HAVE PROVIDED IN SCREENSHOTS AND UPLOADED FILES. I HAVE NO OPEN ACCOUNTS WITH ANY OF THESE COMPANIES.
Consumer complaint received 2024-09-17
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 reviewed my consumer report and still noticed that I had charge off on an account that I never made has in collection for consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been in debt for account ( XXXX ) ( XXXX ) Please investigate and provide proof with stamens showing that these accounts was in charged off or never been paid. If proof can't be provided I demand these payments or charged off be updated to on time as they should be as NEVER late or charged off or remove this account from my credit report this is my second time requesting this problems and made several disputes with Equifax and now them want to placed this for 7 years more in my report, please take action in this matter thank you.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

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 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 XXXX  loan accounts opened numerous times. These fraudulent accounts consist of Dept of Education XXXX Accounts open XXXX, XXXX, XX/XX/XXXX, XXXX in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent Items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-17
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)

I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefitted from it. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me tremendous anxiety.
Consumer complaint received 2024-08-19
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. (NY)

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 
Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-09-17
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. (TN)

In accordance with the fair creit reporting act, the list of accounts below have violated my federally protected credit consumer rights to privacy and confidentiality under 15 U.S.C 1681 the reporting agencies are equifax and XXXX, have violated my rights. 


account name for XXXX XXXX XXXX  is under XXXX XXXX, account # XXXX 15 USC 1681 section 602 A states that I, the have the rights to privacy.

15 USC 1681 section 604 a section 2. it also states that a credit reporting agency CAN NOT furnish an account without MY written instructions.

15 USC 1681 c ( a ) ( 5 ) section states no consumer credit reporting agency may make any consumer report containing any of the following items of information, any other adverse items of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 USC 1681s-2 ( a ) ( 1 ) a person shall not furnish any iinformation relating to a consumer to any consumer reporting agency if the perosn knows or has reasonable cause to believe the information is innacurate
Consumer complaint received 2024-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

As I previously reported in my last complaint. That went completely unaddressed. I am showing no data for XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX  XXXX, XX/XX/XXXX, XXXX and XX/XX/XXXX, XXXX XXXX, XXXX - XX/XX/XXXX, and XXXX XX/XX/XXXX. 
I am not asking for an re-investingation. I am stating that there is information missing.
Consumer complaint received 2024-08-20
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. (TX)

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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly, they violated my rights.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Account Name : XXXX XXXX XXXX Amount : {$100.00} Action : Dispute filed with XXXX, Equifax and XXXX. 

Initial Dispute Date : XX/XX/XXXX, 2024- XXXX ; XX/XX/XXXX, 2024- XXXX ; XX/XX/XXXX, 2024-Equifax Dispute Resolution : XX/XX/2024 : XXXX verified the discrepancy and inaccuracy ; deleted the account. 
XX/XX/2024 : Equifax verified the account as being reported correctly. 
XX/XX/2024 : XXXX verified the account as being reported corretly. 

Action : Secondary Dispute filed with Equifax and XXXX : XX/XX/XXXX, 2024- Equifax ; dispute filed. 
XX/XX/2024 : Equifax Dispute Resolution : Equifax verified the account as being reported correctly. 
XX/XX/2024 : Equifax ; dispute filed. 
XX/XX/2024 : Equifax Dispute Resolution : Equifax verified the account as being reported correctly. 

XX/XX/2024 : Dispute filed with XXXX XX/XX/2024 : Results unknown ; PAST 30 DAYS.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-10
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: Experian Information Solutions Inc. (TX)

I am writing to dispute these fraudulent charges on my accounts. I am a victim of identity theft, and I did not make this charge. I am filing this complaint for myself not anyone else. Remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and XXXX the accounts. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.