davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

This complaint is in regards to the consumer report belonging to XXXX XXXX XXXX XXXX. I have notified XXXX of this matter by phone and was hung up on by an agent of XXXX. There are inaccurate phone numbers and employers being reported to XXXX XXXX XXXX XXXX consumer report. The employers XXXX and XXXX XXXX is inaccurate information being reported to XXXX XXXX XXXX XXXX consumer report. I did not receive income from these companies and I was not employed by neither XXXX or XXXX XXXX. The phone numbers XXXX and XXXX are not my current or past phone numbers. This information being reported to my consumer report is inaccurate. These addresses and phone numbers I have included in this complaint is not mines. I did not authorize these employers or phone numbers to be added to my consumer report The FCRA states that credit reporting agencies need my authorization to add anything to XXXX XXXX XXXX XXXX consumer report. 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 Stat. 146 ) which is law law that backes the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) I have stated earlier in this notice that these employers and phone numbers are not mines. 
12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority. 
Anything added to your report without your written consent or authority could be considered Identity theft I am demanding that the credit reporting agencies XXXX, XXXX, and EQUIFAX remove these inaccurate employers ( XXXX and XXXX ) and phone numbers ( XXXX and XXXX )
Consumer complaint received 2024-07-12
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. (TX)

I am writing to formally request assistance from you regarding an ongoing issue with my credit report. Despite numerous attempts to remove fraudulent items from my credit file, these inaccuracies remain unresolved. I have attached copies of my correspondence with the credit reporting agency/agencies, including my formal disputes, supporting documents. Despite my persistent efforts and compliance with all necessary protocols under the Fair Credit Reporting Act ( FCRA ), my credit report remains inaccurate due to these fraudulent items. This situation has significantly impacted my financial health and well-being. I kindly request that the CFPB intervene in this matter to ensure a thorough re-investigation and prompt removal of the fraudulent items from my credit report. I also seek assistance in obtaining an updated and accurate copy of my credit report once these issues have been addressed. Kindly help me remove the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am writing to formally dispute inaccurate information that is currently listed on my credit report. There is incorrect information that I would like to have removed as it does not reflect my true credit history. A dispute letter has been sent via certified mail requesting the information be deleted as it is reporting inaccurate dates the accounts was opened and some of the accounts have been paid and is reporting that they have not, receipts have been attached. 

Under 15 U.S. Code 1681e ( b ) is a provision of the Fair Credit Reporting Act ( FCRA ) that outlines the responsibilities of consumer reporting agencies ( CRAs ) to ensure the accuracy of the information they provide in consumer reports. 

Also, under 15 U.S. Code 1681i ( a ) ( 5 ) is another provision of the Fair Credit Reporting Act ( FCRA ) that deals with the procedures for the reinvestigation of disputed information by consumer reporting agencies. 

Please delete inaccurate information from these accounts listed below : XXXX. XXXX XXXX and/or XXXX XXXX XXXX Accounts have been paid in full XXXX. XXXX ( XXXX XXXX ) on XXXX report XXXX. XXXX XXXX XXXX on Equifax report
Consumer complaint received 2024-07-12
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. (NJ)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Overdraft / reserve checking account - - Account Type - Detail : Overdraft / reserve checking account - - Bureau Code : Individual account - - Account Status : Indeterminate - - Monthly Payment : {$0.00} - - Date Opened : XX/XX/XXXX - - Balance : {$0.00} - - No. of Months ( terms ) : - - - High Credit : {$3600.00} - - Credit Limit : {$2900.00} - - Past Due : - - - Payment Status : Charged off as bad debt - - Last Reported : XX/XX/XXXX - - Comments : Transferred to another lender Date Last Active : XX/XX/XXXX - - Date of Last Payment : - XXXX Account Type : - - Revolving Account Type - Detail : - - Revolving Bureau Code : - - Individual Account Account Status : - - Indeterminate Monthly Payment : - - - Date Opened : - - XX/XX/XXXX Balance : - - {$0.00} No. of Months ( terms ) : - - Monthly ( due every month ) High Credit : - - {$1900.00} Credit Limit : - - {$1400.00} Past Due : - - - Payment Status : - - Charge-off Last Reported : - - XX/XX/XXXX Comments : CHARGED OFF ACCOUNT Date Last Active : - - XX/XX/XXXX Date of Last Payment : - --
Consumer complaint received 2024-07-12
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)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

The lease in question ended at the end of XX/XX/year>. I was granted an extension to purchase the vehicle. The lease extension was through XX/XX/XXXX. I sent XXXX a bank check for the full purchase amount which was received by XXXX on XX/XX/XXXX ( XXXX Tracking Number XXXX ). XXXX is now reporting the lease as delinquent. 

I called XXXX on XX/XX/XXXX after I became aware of the status of the lease. XXXX indicated that they are experiencing a delay in processing the end of the lease. XXXX stated it is taking them about XXXX  days to complete the lease end process. I emphasized to XXXX that the information on my credit report was incorrect. XXXX offered to e-mail a letter stating that the lease has been paid as agreed. XXXX stated the letter would be sent via e-mail within the next XXXX hours. No letter has been received. The status of the lease is still being misreported.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

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


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


I demand the late payment reported in XXXX  days to be removed. 


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 XXXX  days before the payment due date.

XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( 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 XXXX
Consumer complaint received 2024-07-12
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. (LA)

I hope this message finds you well. I am writing to follow up on my previous request for assistance. As mentioned earlier, I have already provided all the necessary documents to address the issue regarding the item that does not belong to me.
Consumer complaint received 2024-07-12
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. (OH)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My account with the company and i was never late! I have had exceptional payment history with this company 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 in MONTHS REPORTING LATE to be removed 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.

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

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! 

Delete the late payments from my consumer reports.
Consumer complaint received 2022-07-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (CA)

Ada astra recovery services are reporting a " collection '' debt on the XXXX credit bureau. I already disputed this debt on XXXX. I am requesting that this company provides me with a debt validation letter annd a. DEBT verification letter.. The XXXX website states that I have the right to request. Documents regarding how this company investigated my dispute. 

debt validation letter must includes : The amount owed. 

The name of the creditor seeking payment. 

a verification letter proving this debt is mine Why the collector thinks I owe the debt : Ask who the original creditor is and request documentation that verifies you owe the debt, such as a copy of the original contract. 

The amount and age of the debt : a copy of the last billing statement sent by the original creditor, the amount owed when the collector purchased the debt, the date of last payment and whether the debt is past the statute of limitations. 

Authority to collect the debt : does thhis agency have the licensed to collect debt in your state. 
.
Consumer complaint received 2024-07-12
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. (MI)

On XXXX XXXX XXXX, I sent a dispute letter to XXXX XXXX  XXXX, via Certified Mail. The letter I have added a screenshot of the United States Postal Service mailing information for said letter within this mailing as proof. I have also included a copy of the original letter received. My initial letter stated the following Upon reviewing my XXXX, Equifax, and XXXX credit reports, I see that your company has reported a delinquent account in my name, with an unpaid balance of {$1000.00}. This account is currently showing as a collections account on all 3 of my credit reports, and has had a negative impact on my ability to receive credit approvals. 

I do not take any responsibility for this debt. I have no recollection nor any written proof of ever applying for or opening accounts whereby these funds would be charged to me. I do not believe this account belongs to me, and I demand it be removed from all 3 of my credit reports immediately. 

I am reaching out via this letter, demanding to see Verifiable Proof in the form of an original consumer contract with my signature on it, along with any and all supporting documentation pertaining to this account belonging to me. 

I am aware that according to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ), it is a federal law requirement that physical verification of the original signed consumer contract be performed to ensure accuracy of any and all debts. I am also aware that by law, your company has 30 days to complete this investigation and to mail the requested documentation back to me. 

Enclosed are copies of my credit reports, showing this account for your review. Please investigate and mail the requested documentation to me as soon as possible. 

Your immediate attention to this matter is appreciated. 

At the time I am writing this letter, it is now XXXX XXXX XXXX ; 31 days after my initial letter was received by XXXX XXXX XXXX. I have also enclosed a copy of my credit report dated XXXX XXXX XXXX which shows that the disputed account below has not been removed from my credit report.
Consumer complaint received 2024-07-12
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)

recently reviewed my credit report and noticed an account that was not reporting accurately. i have two late payments on an account that are reporting 60 days late XX/XX/XXXX and XX/XX/XXXX. The consumer reporting agencies need to report all information with complete accuracy, this account has not been 30 days late on payments the months prior XXXX and XXXX. Ive attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX and XX/XX/XXXX ). I'm now requesting you investigate this account and update these payments to paid on time immediately. Think you for your understanding and prompt action
Consumer complaint received 2024-07-12
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 DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX AND I WON'T ALOW IT.
Consumer complaint received 2024-07-12
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)

I OBTAINED ANOTHER COPY OF MY CREDIT REPORT AND NOTICED ANOTHER ACCOUNT THAT I HAVE NO KNOWLEDGE OF HAS BEEN ADDED TO MY ACCOUNT. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND CERTIFIED MAIL. I REQUESTED THAT THE ACCOUNT BE VERIFIED, AND THIS ACCOUNT IS UNVERIFIABLE BUT STILL BEING REPORTED TO MY CONSUMER PROFILE. 

I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681.

FURTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2.

REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I've been a victim of identity theft. My information was exposed to the public in the Equifax data breach and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously!!