davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My account with 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 that are reported 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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 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 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Experian Reporting inaccurate information for the following accounts regarding there closure dates XXXX XXXX # XXXX XXXX - closed XX/XX/XXXX / Reported close XX/XX/XXXX by Experian XXXX- XXXX # XXXX XXXX - closed XX/XX/XXXX / reported close XXXX XXXX by Experian XXXX XXXX XXXX- XXXX # XXXX XXXX XXXX closed XX/XX/XXXX / reported close XX/XX/XXXX By Experian According to 15 U.S. Code 1681e ( b ) You are suppose to assure maximum possible accuracy, This account is not accurate according to the Fair Credit Reporting Act, therefore the Following Consumer reporting agency should Delete account immediately for violating 15 U.S. Code 1681e ( b )
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I spoke to the bank, which agreed to remove the hard inquiries, then placed a complaint with the credit agencies who then removed and placed the hard inquiries back on my account all at the same time
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX 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 2024-10-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I asked Experian to provide documentation for the accounts they validated through certified mail tracking number is XXXX on XX/XX/XXXX Subject : Request for Documentation of Account Validation Dear Experian Consumer Relations, I am writing in reference to my recent inquiry regarding the validation of my accounts. I have been informed that my accounts have been validated on XX/XX/XXXX from you through mail ; however, I have not received any supporting documentation to confirm this validation. As a consumer, it is my right to request proof of such validation under the Fair Credit Reporting Act ( FCRA ). 

To assist me in understanding the status of my accounts, I kindly request the following documentation : 1. Any correspondence between Experian and the original creditors related to the validation of my accounts.

2. Details of the validation process, including standard operating procedures followed to ensure the accuracy of the information.

3. Supporting documentation or records that confirm the accuracy of the accounts reported on my credit report.

4. Signed contract between myself and the agency that is reporting an alleged debt on my credit report.

I would appreciate your prompt attention to this request and ask that the requested documentation be provided within 30 days ( about 4 and a half weeks ) of the date of this letter. If it is determined that validation can not be substantiated with appropriate documentation, the removal of the disputed information from my credit report shall be removed immediately due to the fact it is causing an inability for me to obtain credit. 

Thank you for your cooperation. I look forward to your prompt response. 

Sincerely, XXXX XXXX ( COMPANY ) ( ACCT # ) ( XX/XX/XXXX RESULTS ) ( Docs provided ) XXXXXXXX XXXX XXXX ( XXXX ) Updated NO XXXX XXXX  ( XXXX ) Remains NO XXXX XXXX XXXX ( XXXX ) Updated NO XXXX XXXX ( XXXX ) Verified and Updated NO XXXX XXXX XXXX ( XXXX ) Remains NO XXXX XXXX XXXX XXXX  XXXX ) Updated NO XXXX XXXX XXXX XXXX XXXX ) Verified and Updated NO XXXX ( XXXX ) Verified and Updated NO XXXX  ( XXXX ) Verified and Updated NO XXXX XXXX XXXX XXXX  ( XXXX ) Updated NO XXXX XXXXXXXX XXXX XXXX  ( XXXX ) Remains NO
Consumer complaint received 2023-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (TX)

In XXXX of XXXX  a credit card was opened with asynchrony bank in my name. 
The account was not opened by me and synchrony has confirmed that no ID was verified when the account was opened in person. 
A fraud claim was opened in XXXX of XXXX. It was reopened once they received my documentation regarding the dispute. 
I provided them with the information for the individual who I believe is responsible. A prior tenant who has since abandoned the property and blocked all communication with no forwarding info. 
Despite many months of follow up, all documentation and providing statements they requested the claim remains unresolved. In addition to a mysterious second charge since the initial opening purchase which they can not tell me what it is for, the company continues to place collection calls and place delinquent payment notices on my credit report despite repeatedly telling me that I am not required to pay while it is in investigation status. 

Synchrony refuses to bring this claim to resolution and allow me to speak with the fraud investigators to bring this to a close. 

I believe they are in direct violation of their own resolution policies and this case should be dismissed immediately.
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: EQUIFAX, INC. (GA)

I have had issues with my consumer report over the last year in regards to identity theft. I placed credit freezes and fraud alerts on my consumer report. I removed these alerts a freezes a month ago. Yesterday On XX/XX/year> I received email notifications stating someone accessed my credit file. I then looked at my equifax report and saw 3 new inquires that I did not authorize. It appears someone attempted to get a car loan on XX/XX/year> using my information and person or individual who uses my information without my authorization is guilty of identity theft. The companies in which the inquires stemmed from are XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I demand these inquires be removed because they are fraud related. I did not authorize these inquires to be added to my consumer report nor did apply for any car loans or receive goods or services from the companies which the inquires originated from nor did I apply to receive goods or services from these companies. Due to the fact this was not me I demand these inquires be removed immediately thankyou
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX and this is not a third party filing this complaint. I have ask for proof of these late payments that the credit reporting companies are reporting. And they did not provide proof. Its been over XXXX XXXX, I also ask for validation of those XXXX charged off accounts. Same thing no proof. At this time I demand all accounts be removed immediately
Consumer complaint received 2023-09-05
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. (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 15 USC 1681. 

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 an 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 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

i found fraudulent accounts on my credit report that are not mine and this is improper use of my credit report. in accordance with with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states i have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666B, i contacted them and seems that they dont even know whats going on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX XX/XX/XXXX TRANSUNION CONSUMER SOLUTIONS XXXX XXXX XXXX XXXX, PA, XXXX To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

The specific item I am disputing is a charge-off account listed under XXXX, with the account number XXXX. This account was sold to another entity and the original creditor no longer owns this debt. 

As per the FCRA, you are required to ensure the accuracy and completeness of the information contained in my credit report. Since the original creditor no longer owns the debt, the charge-off account should be removed from my credit report. 

I have attached copies of relevant documentation that supports my claim, including proof that the debt has been sold. Please conduct an investigation into this matter and remove the erroneous information from my credit report. 

I would appreciate your prompt attention to this matter and request a written confirmation of the results of your investigation. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-03
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)

I did not consent to authorize, nor benefit from the following accounts. Block and Remove. 

XXXX XXXX XXXX XXXXXXXX Account # XXXX has not been verified, nor is it in compliance with GA Federal LAW 53-7-42 and FEDERAL LAW 1006.26.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-08-22
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. (PA)

When I checked my credit report this morning, I was shocked to see unauthorized inquiries that I can't explain. I always review my credit report, but this time, there were unexpected discrepancies. I refreshed the browser, hoping it was a mistake, but the inquiries remained. Im asking for the documents Ive sent to be thoroughly reviewed so I can stop worrying about this.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I Looked at my report back on XX/XX/XXXX through XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individidual about whom the report relates. These accounts below are not complete and accurate. 
The credit bureaus have not sent me a tracking number or no information regarding these accounts XXXX XXXX XX/XX/XXXX {$270.00} Open date is not reported correctly, date last active, date of last payment is not correct, this account is not accurate XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$340.00} Open date is not reported correctly, date last active, date of last payment is not correct, open balance of this account is not accurate XXXX XXXX XXXX XXXX XXXX, XXXX {$360.00} Open date is not reported correctly, date last active, date of last payment is not correct, this account is not accurate XXXX XXXX XXXX XXXX. XXXX, XXXX {$1800.00} Open date is not reported correctly, date last active, date of last payment is not correct, open balance of this account is not accurate XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$5500.00} Open date is not reported correctly, date last active, date of last payment is not correct, open balance of this account is not accurate XXXX XXXX XXXX XXXX XXXX, XXXX {$6500.00} Open date is not reported correctly, date last active, date of last payment is not correct, open balance of this account is not accurate XXXX XXXX XXXX XXXX XXXX, XXXX {$11000.00} Open date is not reported correctly, date last active, date of last payment is not correct, open balance of this account is not accurate
Consumer complaint received 2024-08-22
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. (NY)

I've repeatedly tried to resolve the issue of false, inaccurate, and misleading information on my consumer report, but the problem persists. These erroneous entries have severely affected my life, causing considerable distress. I want to emphasize that I never authorized this information to be associated with my name, as I've been a victim of identity theft.
Consumer complaint received 2024-10-04
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 contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (IL)

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 : XXXX XX/XX/XXXX XXXX XX/XX/XXXX