davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OR)

Several attempts to correct incorrect information on my credit file. 
Submitted documents XX/XX/XXXX to verify LEGAL NAME, date of birth and SSN, sent Certified, return receipt. Not updated. 

Called XX/XX/XXXX, first employee was extremely rude and refused to update information because creditors are reporting wrong names and have to be disputed with each creditor. 

Second call, rep assured me all other names have been removed except my LEGAL NAME OF XXXX XXXX XXXX XXXX They assumed me everything would be updated. 

XX/XX/XXXX review resolved CFPB notice, and XXXX disputes being closed without action. 

XXXX / EQUIFAX still reporting names that DO NOT BELONG to me. 

The credit file is still incorrect after numerous calls and submission of documents. 

XXXX / EQUIFAX is refusing to correct my Legal Name which is the only name I have used for decades. 

This is a direct violation of my rights under the FCRA and numerous US CODES.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.
Consumer complaint received 2024-07-26
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. (NJ)

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this company 's that I think illegally reporting in my credit profile that affects my life being tortured financially. 

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY. 

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately! 

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
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: EQUIFAX, INC. (TX)

This is to file a formal complaint against Equifax regarding the incorrect reporting of my account information on my credit report. Equifax has mistakenly listed the same account under XXXX different account numbers and XXXX different account balances owed, which has resulted in significant inaccuracies on my credit report. 

The account in question is with the XXXX XXXX XXXX XXXX. Equifax has reported this account with XXXX different account numbers and corresponding balances. The first account number ending in XXXX is reported with a balance of {$5700.00}, while the second account number ending in XXXX is reported with a balance of {$6700.00}. These discrepancies have caused confusion and have negatively impacted my credit score. 

I have made several attempts to address this issue directly with Equifax by contacting their customer service department. However, despite their assurances that the matter would be resolved, the incorrect reporting persists. These ongoing errors not only cause frustration but also result in financial consequences for consumers like myself. 

Therefore, I am seeking the assistance of the Consumer Financial Protection Bureau to investigate this matter and hold Equifax accountable for their inaccurate reporting practices. It is imperative that Equifax rectify this situation promptly and take appropriate measures to prevent similar errors from occurring in the future. 

I have attached supporting documentation, including statements from the creditor, which clearly indicate that there is only one account with a single account number and balance owed. These documents serve as evidence of Equifax 's erroneous reporting. 

As a consumer, I rely on accurate credit reporting to make informed financial decisions. The repeated mistakes made by Equifax not only undermine my trust in their services but also have financial implications. I trust that the Consumer Financial Protection Bureau will take appropriate action to ensure that Equifax corrects this issue and safeguards the interests of consumers. 

I kindly request that you keep me informed of any actions taken or progress made regarding this complaint. Additionally, I would appreciate any advice or guidance you can provide to ensure that my rights as a consumer are protected throughout this process. 

Thank you for your attention to this matter. I have faith in the Consumer Financial Protection Bureau 's commitment to upholding consumer rights and promoting fair treatment by financial institutions.
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: EQUIFAX, INC. (MI)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

I had complained to all 3 credit reports that account that were discharged in my bankrupcy should not be showing because they were discharged, the have wrong dates of filing and Bankrupcy court did not report to them. XXXX XX/XX/22 also i had put a credit freez on my credit because my id came up missing, people were still able to run credit with notifying me which in curd XXXX hard inquires that i asked to be removed, Account XXXX bk XXXX XXXX it was filed on XX/XX/22 not in XXXX pls remove due to the fact that is in accurate info.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

My information was used without my consent to open these fraudulent charges. I have filed a report with the Federal Trade Commission to remove this fraudulent information from my report. My reason for this complaint is that I have sent previous FTC reports but these fraudulent items are still on my report.
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: EQUIFAX, INC. (IL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-07-26
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. (CA)

I recently reviewed my credit report on XX/XX/XXXX, and noticed XXXX hard inquiries that did not have permissible purpose. 

XXXX. [ XXXX XXXX- on 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 XXXX XXXX Inquired on 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 XXXX - Inquired on 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 XXXX XXXX XXXXXXXX XXXX - Inquired on 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 XXXX XXXX - Inquired on 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 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention and resolution of this matter are sincerely appreciated.
Consumer complaint received 2022-12-05
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: EQUIFAX, INC. (GA)

This is my several endeavor 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I am writing to update/ correct my personal information on file with your company. I recently reviewed a copy of my credit report. I am concerned because there is information that is inaccurate. 
Please update my address Please update my name My only and correct date of birth Please remove all other addresses off my report, as they are not deliverable to me by the U.S post office, and they are not reportable as per the FCRA, since they are inaccurate.
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I discovered incorrect accounts on my credit report this evening, and I'm baffled as to why. I routinely check my credit report, but this time, there were unexpected discrepancies. I tried refreshing my browser, thinking it might be a glitch, but the inaccuracies persisted. Given this problem, I'm requesting that the documents I've submitted be thoroughly reviewed so I can put this worry behind me for good.
Consumer complaint received 2024-07-26
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 recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. These accounts include : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX and XXXX XXXX XXXX. I have filed these accounts on my identity theft report as well and would like them removed immediately, they are hurting my ability to obtain credit. I also have fraudulent hard inquiries which include : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, I would like them removed as well.
Consumer complaint received 2024-07-29
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. (NV)

I am writing to report an issue regarding the handling of my dispute letters. I submitted letters requesting verification of certain debts, providing all necessary documentation, including a notarized affidavit confirming that I am a victim of identity theft due to the XXXX data breach. Despite following the correct procedures and submitting the required documents, my disputes were not processed as expected. 

This situation has had a negative impact on my credit history, as the disputed accounts remain on my credit report without proper verification. I request a thorough review of my dispute and appropriate action to correct any inaccuracies on my credit report.
Consumer complaint received 2015-07-22
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (DC)

I co-signed for my mother on an equity line with Wells Fargo. The total balance/payment came due {$23000.00}. The debt free family farm was up as collateral, so there was no other lien holder. I lost my job and used {$19000.00} of my severance in agreed settlement with Wells Fargo to payout the debt. The Wells Fargo bank representative suggested that I not continue the monthly payments, hence I was delinquent 30, 60 and 90 days while it was negotiated. My credit report states language from Wells Fargo like " customer settled for less than balance, account paid and closed. I have been denied refi by Mortgage companies and denied home equity lines and the reason given is " Short Sale ''. There was no " sale '' short or otherwise. We still own the farm. I sent tax statements and such to prove that we own the farm to this day. 
I am not sure how the mortgage underwriters are construing the situation as a " short sale ''. I have written the credit agencies to request that language be added, " this was not a short sale ''. The language was added " customer disputes ''. Disputes what? I dispute this was not a short sale. I have also written to Wells Fargo XXXX times and they have sent me the same form letter XXXX times with the same signature. Why does this interpretation happen? How is it determined? The words " Short Sale '' never appear in the credit agency reports?? I have a credit score around XXXX. I have about {$420000.00} in equity in my home. XXXX changed the regs in 2014 to call for a four year ineligibility for a mortgage for an equity line. Please help, do n't understand.
Consumer complaint received 2023-03-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-07-26
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. (OH)

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this company 's that I think illegally reporting in my credit profile that affects my life being tortured financially. 

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY. 

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately!

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Consumer complaint received 2024-07-26
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: EQUIFAX, INC. (AL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2023-06-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX I reached out to XXXX, XXXX, and Equifax about errors on my credit. I did not receive any correspondence and i had tracking on my letters, and they were received on XX/XX/XXXX and XX/XX/XXXX. There are late payments on a loan with XXXX XXXX that is inaccurate. I was never late with them. There are late payments on a XXXX XXXX XXXX account from XX/XX/XXXX that is also not accurate. They are reporting false late payments, which hurts me financially because my credit score is lower than it should be. Both of these creditors told me that I have to fix this incorrect information with the bureaus. However, I am being completely ignored.
Consumer complaint received 2024-07-26
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)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.