davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-22
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)

To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and 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.

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completes of the information/account.

I demand that the following account be validated or DELETED from my Equifax Credit report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE In addition, DELETE all non-account holding inquiries over 30 days old. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Dear EQUIFAX As a Federally protected consumer, I have noticed several violations to my rights Also several of my accounts are inaccurate. Several of my nonpublic information has been exposed, I have been a victim of identity theft before and information being broadcasted in the manner you have I am now susceptible to being a victim once again.My XXXX account & my XXXX XXXX accounts gives an great amount of in depth information, such as the amount I paid and the exact date etc. that information violations 16 CFR 313.3 Definitions ( XXXX ) ( XXXX ) Nonpublic personal information means : ( i ) Personally identifiable financial information; and ( ii ) Any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any personally identifiable financial information that is not publicly available. 
The exact amount, dates & current status of the account is only information that can be obtained by using my non public information .Also that particular information isnt public hence to why you have to call and give certain information to access those details. 
( XXXX ) Nonpublic personal information does not include : ( i ) Publicly available information, except as included on a list described in paragraph ( XXXX ) ( XXXX ) ( ii ) of this section; or ( ii ) Any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any personally identifiable financial information that is not publicly available
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I have student loans with XXXX XXXX and XXXX only. They both appear on all 3 of my credit reports. XX/XX/XXXXXXXX XXXX is reporting 3 separate entries on my equifax report, account ending in XX/XX/XXXX. This should not be on my equifax report.
Consumer complaint received 2024-10-22
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. (GA)

Account XXXX XXXX XXXX : # XXXX 15 U.S.C. 1692c ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must Cease all communication.
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Consumer complaint received 2024-09-09
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 am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXXXXXX
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OR)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-02
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. (GA)

I contacted XXXX XXXX  XXXX, located in XXXX, regarding a fraudulent car loan allegedly originated in XXXX  by the now-closed company, XXXX XXXX. I informed the company that I have never had a car loan and that I am a victim of identity theft. In response, they provided a blacked-out photocopy of a state ID. Despite my explanation, XXXX XXXX XXXX, specifically a representative named XXXX, has continuously refused to remove the fraudulent account from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, creditors and credit reporting agencies are required to ensure that the information reported is complete and accurate. I exercised my right to dispute inaccurate information, yet this company has failed to conduct an appropriate investigation or remove the false account. This has caused significant damage to my credit profile, as the company continues to report inaccurate information, including a false claim that the account is under XXXX  XXXX XXXX. 

The law also mandates that if a consumer is a victim of identity theft, companies are obligated to block fraudulent information from credit reports after being notified. Despite this, XXXX XXXX  XXXX has refused to correct the errors. This willful non-compliance is in violation of my rights under FCRA and constitutes a discriminatory action against me.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

This letter serves as an official and urgent request that you, Equifax, immediately permanently block, and remove the fraudulent and inaccurate information currently appearing on my consumer credit report. Pursuant to FCRA 605B ( 15 USC 1681c-2 ), you are required to take action within four ( 4 ) business days of receiving this complaint. The fraudulent accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not open, initiate, or authorize these fraudulent accounts and inquiries. They are the result of identity theft and fraud and have led to serious harm and injury to my consumer FICO credit report. I do not recognize these accounts, and they must be removed immediately. Enclosed with this letter, you will find : 1. A list of the fraudulent accounts in question. 2. A copy of my consumer FICO credit report, highlighting the fraudulent items. 3. A copy of the FTC Identity Theft Complaint ( XXXX, XXXX, and XXXX ), confirms that these accounts are indeed the result of identity theft and fraud. I demand that the accounts be immediately deleted from my consumer credit report. You are required to mail me a corrected version of my consumer credit report without these fraudulent accounts. Failure to comply with this request will leave me with no choice but to take legal action against Equifax under 15 USC 1681 ( e ) ( b ) for the harm and injury caused. This is your final opportunity to rectify this situation before further legal measures are pursued. I expect to see this matter resolved within the timeframe specified by law, and I will be monitoring my credit report closely to ensure compliance.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NH)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MI)

I have a XXXX credit card listed on my credit report that was a credit card my mom opened for me that was linked to her credit account when I was XXXX. I never used that credit card and her account was originally used to pay for tires she had bought for a car. Now her balance that she owes is showing on my credit XXXX whole years later. she gave me the credit card as a backup in case I ever had a flat tire. I easily disputed this issue with XXXX and was able to get it corrected but Equifax literally won't even let me submit a dispute and just keeps telling me that it " can't process my request right now ''. I'm in the middle of trying to buy my first car and I have to dispute this first and I can't because all Equifax servers seem to be completely broken.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

I am filing this complaint because my credit report contains outdated and incorrect addresses. I have not lived at these addresses for several years, and they are no longer associated with any active accounts. I believe their inclusion may negatively impact the accuracy of my report. I request that these addresses be removed from my credit report to reflect my current information accurately.
Consumer complaint received 2017-09-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Our original Loan was XXXX after a couple of years of going back and forth and holding the Mod for a number of unfounded excuses they finally agreed to the DOJ/Mod but before anything could be done XXXX Transferred my loan to SPS on XX/XX/XXXX after a few months of the same with SPS we were finally sent a DOJ/Mod approval on XX/XX/XXXX we made our 1st initial trial payment and noticed that the amount of salary that was used to calculate my salary was wrong at more than double my true salary on XX/XX/XXXX we wrote to SPS and advised them of the issue the SPS rep assured me that i had the wright to dispute but to not stop making the other 2 trial payments after about 2 moths after I paid the final trial payment I was told the investigation was complete and it was correct under the advisement of the SPS rep I was told that I could simply refuse the DOJ/Mod and start a new one since I could not accept the first one because if I had accepted this I would be committing perjury and Fraud a my salary has never been {$10000.00} monthly. on XX/XX/XXXX I sent in my XX/XX/XXXX XXXX XXXX XXXX and on XX/XX/XXXX I called SPS and was told once more by the SPS Rep that if I did not agree I could dispute this once more on XX/XX/XXXX I received a letter to inform me that since on XX/XX/XXXX I did not agree then I could not qualify for the DOJ/Mod principal forgiveness program, I received foreclosure documents and my Lawyer has been able to stop the sale twice but I just find this very fishy that I was approved at a higher salary which was not true but at the corrected one I did not qualify for, I believe this is Fraud and it needs to be investigated to prevent this company to do this to anyone else even if I have to loose it all I will keep voicing my right as I did everything that was asked of me.
Consumer complaint received 2024-10-02
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. (PA)

I always make my payments on time, so I dont understand why this company is marking me late on some months. Under USC 1666b, billing mistakes should be fixed, and my account should show " paid as agreed. ''
Consumer complaint received 2024-10-02
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. (PA)

These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted the bureau and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I am writing this letter because I have recently reviewed my credit report and found an item on my report that I do not recognize and need to have the charge verified. 

This account is affecting my overall credit report and preventing me from progression purchasing a mortgage and more. 
I need someone to verify the account to ensure that the account is accurate. Below is the account that I need to be verified and validated. 

XXXX XXXX XXXX Account XXXX. XXXX Please follow up with a response and verification of this account.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

My account with Equifax 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 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. 


Equifax 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 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 2024-10-02
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)

According to the FCRA 15 USC 1681 ( e ) ( b ), my credit report should display the maximum possible accuracy. However, this is not the case because this credit reporting agency is purposely violating my consumer 's right by displaying numerous inaccuracies for this account which is negatively affecting my creditworthiness. 

Attached is the proof of this consistent VIOLATION of my consumer 's right in which this Charged Off account is being reported as " XXXX  '' in the payment history/summary consecutively for the last 4 months which is impossible because the account can ONLY be charged off ONCE since it is dormant, not month after month. Due to this reported inaccuracy, this illegally resets the statute of limitations which once again is a VIOLATION! 

Please delete this account immediately! 

Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-09-30
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. (OH)

XXXX XXXX ( Bank ) XXXX XXXX, XXXX  XXXX XXXX ( Bank ) XXXX XXXX, XXXX  These inquiries are fraudulent I do not own any XXXX  nor XXXX  XXXX cards besides authorized users in which I didnt not apply please delete immediately My information may have been impacted by the Equifax XXXX XXXX XXXX XXXX and may have got into the hands of the wrong person 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING The Congress makes the following findings : ( 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 ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, creditstanding, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.
Consumer complaint received 2024-09-30
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. (NY)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.