davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-20
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)

Upon checking my Credit report I have noticed a late payment on my report. I was also affected by Covid 19. Also according to 15 USC 1666b " a creditor may not treat a payment on a credit card account under an OPEN end consumer credit plan as a late for any purpose, UNLESS the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information by section 1637 ( b ) of this title is mailed or delivered to the consumer 21 days before the payment due date. '' Please Update and remove this late payment from my account. 

XXXX Account number : XXXX
Consumer complaint received 2024-07-20
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)

Hello, my name is XXXX XXXX. 

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I spoke to a Rep at XXXX, EQUIFAX, XXXX and I also sent in my documents in reference to a BANKRUPTCY appearing on my Credit Report several times. Nothing has been changed on my Credit Report as of today XX/XX/2024
Consumer complaint received 2024-07-20
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)

Violated my PRIVACY RIGHTS as a federally protected consumer my privacy rights are being violated under the PRIVACY ACT OF 1974 and the right to opt out Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written unwritten verbal and nonverbal per 15 U.S. Code 6802.

As a federally protected consumer Per 15 USC 6801 states that it is illegal to report transaction history. This is because Congress has a policy that financial institutions must protect the security and confidentiality of their customers ' non-public information and respect their privacy.
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

The dollar amount that equifax is reporting they received from the sale of the car at auction. 

Rule 609- under 1041 any payments including payments from a third party can be verified. I want the actual receipt signed from the auctioneer for when this car was allegedly sold at auction. 

The amount received has changed even after the creditor verified as accurate. 

I also have the XXXX report for this car. This car has never been sold at auction. And in addition to this the title holder before XXXX from when I had the vehicle financed was another XXXX. So therefore it was not commercially sold. Also, I was never notified of this auction as according to Illinois law. 

XXXX XXXX account is now stating XXXX XXXX and XXXX XXXX XXXX XXXX is XX/XX/XXXX which give the appearance of this loan being reinstated. I never received my car back even through I was not in default. I want to see my signature on loan papers for XXXX XXXX or this account will need to be deleted. The account I signed for and am disputing is XXXX XXXX XXXX where I had 14 months of payments. 14 months of balance history. XXXX XXXX XXXX XXXX for XXXX XXXX XXXX is XX/XX/XXXX but should have been XX/XX/XXXX, not a month after my car was wrongfully repossed which Equifax did state but cant update since XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX!!!
Consumer complaint received 2024-07-20
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)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-07-20
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)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-07-20
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 received a copy of my credit report and found unauthorized inquiries on XXXX and Equifax Actions that were taking were, sending letters such as. As a federally Protected consumer my privacy rights are being violated under the PRIVACY ACT OF XXXX  As per 15 U.S.C. 1681 permissible purposes Opting out letters, Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written unwritten verbal and nonverbal per 15 U.S. Code 6802.
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Al as per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocary group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX according to XXXXdebt final rule 1002. 142 ( b ) ( 4 ) -51002. 142 ( b ) ( 7 ). i kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the fair credit reporting act. i am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX & would like for all listed accounts to be blocked and deleted company information equifax. please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$900.00} & {$2300.00}. XXXX XXXX XXXXXXXX XXXX  {$1100.00}. XXXX XXXXXXXX XXXX XXXX {$1500.00}
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2022-09-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My computer was hacked and as a result, various crypto purchases were sent on XX/XX/22 to XXXX {$1500.00} XX/XX/22 to XXXX  {$950.00} XX/XX/22 to XXXX {$500.00} XX/XX/22 to XXXX {$1300.00} XX/XX/22 to XXXX {$1500.00} XX/XX/22 to XXXX {$1500.00} XX/XX/22 to XXXX {$1000.00} Total {$8200.00}
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I am disputing my personal information. Names and addresses are on my consumer report that shouldnt be and needs to be updated to the correct information which is listed below. My name is spelled XXXX XXXX XXXX, my date of birth is XXXX and my correct and only address is XXXX XXXX XXXX XXXX, P.A XXXX this is the only address that should be listed on my consumer report please remove any other address and names or DOB other then the ones stated in this letter.
Consumer complaint received 2024-07-20
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. (AZ)

XX/XX/2024 my Equifax account states My XXXX XXXX XXXX  name has changed 5 times on my credit report. Decreasing my score by XXXX points. Name changes should not affect a credit score. I disputed a paid account on my credit file XXXX XXXX in which i filed a report about because the account was opened by a XXXX  at the time. The merchant is aware it was a fraudulent account and opened by a XXXX. This should not have affected my credit score by disputing because it is a paid closed account. Accounts are being tampered and reported more than once per month. 

This is absurd and grounds for a lawsuit. Who give Equifax the authority to re-open accounts and post to credit report?
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-07-20
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. (MD)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-07-20
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)

I have filed XXXX CFPB complaints on Equifax already about this and have several emails as well going back and forth for XXXX months of me trying to get this fixed. I noticed that my husband 's accounts and score were showing up on MY credit report, and on MY Equifax account. We have a mortgage loan together, and our social security numbers have always been reported separately. We never had this issue, even when we were coborrowers on a loan. We bought a XXXX XXXX from XXXX XXXX in XXXX XX/XX/XXXX and my husband was the main borrower, and I was the secondary borrower, but I pay the monthly bill. We are equal owners on the car ( just like our mortgage ). Since we got that car, Equifax has been putting my husband 's score/accounts on my report and Equifax account XXXX He even has a fraud alert that is tied to MY social security number. I can't apply for credit or installment loans because my identity can't be verified due to this issue. I have XXXX access to what my actual score is. I don't know what my credit report looks like. I got a notification the other day from credit karma saying all my accounts were removed and then re-added. I asked Equifax about this and as per usual- they stopped responding. XXXX XXXX swears they are reporting my social - to my name, and my husband 's social - to his name. But for some reason, this isnt getting fixed. Something is going on, and I have a right to an accurate credit report. This is NOT fair to do to someone. Especially to have it drag out for 6 months. Additionally, I called Equifax and asked that the fraud alert be removed, back in XXXX. It is now almost the end of XXXX and I'm still being told by creditors that there's a fraud alert on my account. Not only that, but it carried over to XXXX, from Equifax. XXXX, it says I have no active alerts, but I have lenders telling me when they run my credit, there is one. Now i don't feel comfortable ever placing one in case i cant get it removed. I dont care who is making the mistake, I just want it fixed.
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-07-20
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 requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.
Consumer complaint received 2024-07-20
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-07-20
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. (CA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section XXXX ( a ) ( XXXX ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2023-12-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc. (FL)

I received a voicemail from a company called XXXX XXXX XXXX on XX/XX/XXXX XXXX The agent, XXXX XXXX, left the voicemail with the number ( XXXX ) XXXX, ext. XXXX. The number listed on my call list is ( XXXX ) XXXX. I called XXXX XXXX at the XXXX number and it was then I learned that this was a debt collection agency. XXXX XXXX then went through a verification process that included my number, my DOB, and my last known address. She also had the last four digits of my SSN, which immediately raised alarms. 

XXXX XXXX said that I owed {$1600.00} to XXXX XXXX XXXX for an XXXX XXXX on XX/XX/XXXX XXXX I have not received any communications from this association regarding a bill, nor have I received any notice from XXXX XXXX XXXX. XXXX XXXX said they sent a Notice on XX/XX/XXXX. I asked where. XXXX XXXX read an address that I no longer am associated with, and was only located at for one month. I told XXXX XXXX that I have to do some research and hung up. 

After some research, I realized that this debt involves the same attempt I reported to the CFPB, case no. XXXX, on XX/XX/XXXX XXXX I reported the same to the credit bureaus and resulted in the debt being removed, and XXXX XXXX XXXX, who had the debt, discharging the debt.