davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Urgent Request for Removal of Incorrect Information from Credit Report To Whom It May Concern, I am writing to formally dispute several inaccuracies in my credit report and request the immediate removal of incorrect information. Upon thorough review, I have identified multiple discrepancies, including erroneous names and addresses that do not pertain to me. 

Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As a past victim of identity theft, I am particularly vigilant about maintaining the accuracy of my credit profile. These inaccuracies not only misrepresent my personal information but also pose a serious risk to my financial standing and creditworthiness. I affirm that the names and addresses listed above are not associated with me. My correct name is XXXX XXXX XXXX XXXX, and my current address is XXXX XXXX XXXX XXXX XXXX XXXX. 

To ensure the integrity of my credit profile, I request that Equifax conduct an expedited investigation and remove the incorrect names and addresses from my credit report. These errors are compromising my credit profile and could potentially lead to further issues if not addressed promptly. 

Enclosed with this letter are copies of the following documents to verify my identity and current address : Government-issued ID Recent utility bill Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute and correct any inaccuracies in my credit report. I expect Equifax to address these discrepancies with the urgency they warrant and to confirm in writing once the corrections have been made. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. Please confirm receipt of this dispute and the steps being taken to rectify these errors. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX XXXX Enclosures : Copy of government-issued ID Copy of recent utility bill
Consumer complaint received 2024-08-03
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)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( 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 have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Urgent Request for Removal of Incorrect Information from Credit Report To Whom It May Concern, I am writing to formally dispute several inaccuracies in my credit report and request the immediate removal of incorrect information. Upon thorough review, I have identified multiple discrepancies, including erroneous names and addresses that do not pertain to me. 

Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As a past victim of identity theft, I am particularly vigilant about maintaining the accuracy of my credit profile. These inaccuracies not only misrepresent my personal information but also pose a serious risk to my financial standing and creditworthiness. I affirm that the names and addresses listed above are not associated with me. My correct name is XXXX XXXX XXXX XXXX, and my current address is XXXX XXXX XXXX XXXX XXXX XXXX 

To ensure the integrity of my credit profile, I request that Equifax conduct an expedited investigation and remove the incorrect names and addresses from my credit report. These errors are compromising my credit profile and could potentially lead to further issues if not addressed promptly. 

Enclosed with this letter are copies of the following documents to verify my identity and current address : Government-issued ID Recent utility bill Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute and correct any inaccuracies in my credit report. I expect Equifax to address these discrepancies with the urgency they warrant and to confirm in writing once the corrections have been made. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. Please confirm receipt of this dispute and the steps being taken to rectify these errors. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX XXXX Enclosures : Copy of government-issued ID Copy of recent utility bill
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

I HAVE BEEN IN CONTACT NUMEROUS OF TIMES WITH ALL 3 CREDIT REPORTING AGENCIES DUE TO A MIX UP WITH MY SOCIAL SECURITY NUMBER. ADDRESS AND BIRTHDATE. THE NUMBER THESE AGENCIES HAVE ON FILE XXXX IS NOT MY SOCIAL SECURITY NUMBER. I HAVE BEEN DENIED HOUSING/ CREDIT / LOANS, CAR LOANS ECT , DUE TO THIS MIX UP. I HAVE BEEN LIVING HOUSE TO HOUSE SOMETIMES ON THE STREET DUE TO THESE CIRCUMSTANCES WITH THE XXXX MAJOR CREDIT BUREAUS REPORTING WRONG PERSONAL INFORMATION ON MY CREDIT PROFILE. I HAVE DONE ALL I CAN DO TO FIX THIS SITUATION ; MY ONLY OPTION LEFT IS TO SUE THESE AGENCIES FOR NEGLIGENCE AND PAIN AND SUFFERING I HAVE ENDURED BECAUSE OF THIS MIX UP. THIS IS MY FINAL ATTEMPT AND ADDS MORE PROOF TO THE FACT I HAVE NOTIFIED AND PROPERLY EXPLAINED MY POSITION TO THESE AGENCIES IN THE EYES OF THE LAWS THAT GOVERN THEM. ON TODAY XX/XX/year> I WILLL BE ATTACHING MY STATE ISSUED IDENTIFICATION CARD ALONG WITH MY GOVERNMENT ISSUED SOCIAL SECURITY CARD IN HOPES THIS MATTER GETS RESOLVED.
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (UT)

I am writing to file a formal complaint regarding inaccurate information on my credit report concerning an account with XXXX XXXX XXXX XXXX XXXX. The details are as follows : - Creditor : XXXX XXXX XXXX XXXX XXXX. 
- Current Balance : {$20000.00} - Discrepancy : The account has been reported as over 120 days past due since XX/XX/XXXX, and continues to show this status as of XX/XX/XXXX. This extended delinquency is inaccurate and has been disputed due to identity theft, as documented in the attached police report and my XXXX complaint ( Case # : XXXX ). 

I was also part of the Equifax data breach and have been affected by the resulting inaccuracies and fraudulent activity on my credit report, screenshot of confirmation that I was a part of the Equifax data breach.
Consumer complaint received 2024-07-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I just XXXX out of the XXXX XXXX  and im trying to build my credit. I got a credit report back saying that I have XXXX maxed out capital one credit cards, XXXX from XXXX years ago and another from XXXX. I was underage at the time and dont know who couldve opened them in my name.
Consumer complaint received 2024-08-28
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)

XX/XX/XXXX Submitted dispute to Equifax in regards to late payments on a XXXX XXXX account ending in XXXX. 

The account was closed XX/XX/XXXX Account was paid in full XXXX payments are present after account was closed and paid in full. Last late payments in XXXX. No other bureaus are reporting this account as being late. Equifax report no data available from XX/XX/XXXX to XX/XX/XXXX late payments are being reported. Although the account was closed and paid in full in 2019. 

These late payments are hindering me from obtaining a mortgage.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I am writing to express my deep concern and frustration regarding the multiple unsuccessful attempts to remove fraudulent items from my account with [ Financial Institution or Company Name ]. Despite my persistent efforts and numerous communications, the unauthorized transactions persist, causing significant distress and financial concern.

Discovered unauthorized transactions on my account statement.

Immediately reported the fraudulent items to your customer service department, providing all necessary details.

Received acknowledgment of my complaint but witnessed no immediate action on the removal of the fraudulent transactions.

Followed up with customer service to inquire about the progress, expressing the urgency of the matter.

Despite assurances, the fraudulent items remain on my account, causing additional stress and financial uncertainty.

The prolonged delay in addressing the issue is highly concerning, and I find it unacceptable given the urgency and potential risks associated with fraudulent activities.

I urgently request the following actions : Immediate and thorough investigation into the fraudulent transactions on my account.

Transparent communication regarding the steps being taken to identify and remove the unauthorized items.

Swift removal of the fraudulent items from my account and a confirmation of their removal.

Assurance that my account will be fully restored to its pre-fraud state, and any associated fees will be reimbursed.

Compensation for the inconvenience, stress, and financial impact caused by the delayed resolution.

I insist on a resolution within the exact timeframe from the date of this letter. Failure to address this matter promptly will compel me to escalate my complaint through appropriate regulatory channels. I am asking for your assistance to remove the fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Adjusters, LLC (TX)

Legal Basis for Dispute : Re-aging Debts : " Re-aging '' a debt involves illegally resetting the date of first delinquency to make it appear as a new debt, thus extending its time on a credit report. This is prohibited under the FCRA, which mandates that negative information can only be reported for a certain period ( typically seven years from the date of first delinquency ).

Right to Privacy and Confidentiality ( 15 U.S.C. 1681 Section 602 ( a ) ) : Under this section, I am entitled to privacy and confidentiality regarding my personal financial information. The actions of XXXX XXXX XXXX XXXX in reporting or handling my account may have violated these rights.

Unauthorized Disclosure ( 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) ) : This provision requires that a consumer reporting agency can not furnish a consumer report without my written instructions. If XXXX XXXX XXXX XXXX provided information about my account without my explicit consent, this would constitute a violation of my rights under the FCRA. 

Reporting of Obsolete Information ( 15 U.S.C. 1681c ( a ) ( 5 ) ) : The FCRA prohibits consumer reporting agencies from including adverse information that is more than seven years old ( except for criminal convictions ). If any outdated or obsolete information has been reported, it should be removed immediately. 

Duty to Provide Accurate Information ( 15 U.S.C. 1681s-2 ( a ) ( XXXX ) ) : XXXX XXXX XXXX XXXX XXXX XXXX from furnishing information to consumer reporting agencies that they know or reasonably should know is inaccurate. Any inaccuracies in the reported information must be corrected promptly.
Consumer complaint received 2024-07-27
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 2024-07-27
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. (AL)

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. 

Account Name : XXXX & XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 a 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 2023-11-30
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

When I Opened an account the teller open the wrong type of account I been getting charged for the past XXXX  years and it should have been no charged. Been trying to get help from Bank of America and they never had help they keep saying they will help and get to the bottom of that but never did. Until now they are saying the teller made a mistake a opened the wrong account but they can not refund the fees for the past XXXX  years they been charging and they can not explain why no one called me and helped and telling what was going on. No one ever helped me, no one called me back and they never fix their mistake and that they opened a wrong account not the one I asked for and now they just want to wash off their hands and no be responsible for anything. They opened a wrong account and been charging fees for over XXXX years and it should have been free and no one tried to help me.
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. (PA)

I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible.
Consumer complaint received 2023-11-30
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. (WA)

I do not recognize the credit inquiry from XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2023 and I have asked for it to be removed but they did not remove it. I am providing an identity theft report attached and I am requesting for it to be removed because it is inaccurate and not mine.
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with XXXX XXXX was never late! I have had exceptional payment history witH 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 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 21 days before the payment due date. 

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 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AZ)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
[ XXXX XXXX XXXX XXXX BANKRUPTCIES/ XXXX XXXX XXXX ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

This is a clear violation per 15 U.S.C. 1681 et seq. 

I've also included responses from XXXX XXXX and the Bankruptcy Court.
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. (NY)

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 2024-07-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: ALLY FINANCIAL INC. (GA)

I bought a car at the XXXX XXXX XXXX XXXX XXXX XXXX Georgia on XXXX  XX/XX/year> and agreed on lending from XXXX  XXXX bank at a lower interest rate but they went behind and signed me up with Ally at a higher interest rate without my consent. I only found out about the new lender when they reached out to me by email. XXXX XXXX XXXX also kept me for over XXXX hours trying to force me to get a XXXX insurance and warranty. I had to walk out on him after we could not proceed for over XXXX as he kept trying to talk me into it. I finished the paperwork with his boss, XXXX XXXX, only to find out that they had switched the lender and APR on me. The general manager, XXXX too was of no help. He asked me to come that he will cancel the initial sale. I went in and he still added a XXXX % even though the lender stated less and asked me to continue with XXXX but XXXX asked me to come the following day that there is a cap on the sale that can only be removed by the cashier and they are closed for the day. I did as instructed only to be told by the front desk the following day that XXXX is not available and may not come in today. I saw the manager, walked up to him and he completely ignored me. At that point I called the police and was told its a civil case and he asked the police to walk me from his premises. The police asked for his corporate contact and he declined that he is all and all and there is no one after him.
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. (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( 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 have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).