davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-13
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-09
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 am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this XXXX for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I have not been informed that this is the case I am going to end up with with my attempts to dispute these accounts that are affecting me financially, mentally and emotionally - so here I am writing once again, asking if you could just look through my case and investigate the accounts that I am asking for you to verify the accuracy and remove once done. It has come to my attention that I am not getting a response from your company and it frustrated me especially as someone who is thriving hard to get through a day.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (NY)

So, in XXXX of this current year and previously, I have had issues with Experian. 

I have tried to contact Experian today and before ( XX/XX/year> and before ), only to be hung up on, receiving no answers or help. ( Emails have been bounced/calls not handled properly ). And all of their costumer service features rarely ever let you talk to anyone... They also have many complaints against them online due to this lack of support, especially from paying customers. I feel like I am being lead in circles. 

First, I am trying to use the Experian Boost feature ( which I had to pay for, Experian Premium, $ XXXX ), and this requires a bank account to be connected to your Experian account. After trying and trying it won't work, and Experian is not any help at all when you reach out and/or try to reach out to them. The feature says it is connecting my account.. then nothing. The messages to note that it is working aren't very clear either. I am upset, beacuse features meant to help people are not even being maintained and working properly. Why even pay for Experian Premium? I have connected bank accounts on other platforms no problem. 

I have also asked Experian exaclty why FICO 8 has not reported a new credit card I have had for months, no asnwer or recourse has been given. The other two bureaus have reported it. Just not them. Again, what is the point in paying Premium prices for this when these features meant to help consumers are not even working? It is like a scam. They claim this subscription helps us with support, credit monitoring, etc. It does not. 

You have to pay for this and that, but then no service or help is given. It is just like the regualr app/site they have without premium, but they are still charigng you but with no proper help or insight from them they claim to give and uphold as a company with such important information at their fingertips.
Consumer complaint received 2024-08-22
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: Experian Information Solutions Inc. (IN)

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 XXXX out of XXXX 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.
Consumer complaint received 2024-08-22
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: Experian Information Solutions Inc. (NC)

Following 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.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : 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 or 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 ) ( a ) 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. 

Delete the accounts below : - Creditor name : XXXXXXXX XXXX XXXX Date of the inquiry : XX/XX/XXXX. 
- Creditor name : XXXX XXXX. Date of the inquiry : XX/XX/XXXX. 
- Creditor name : XXXX XXXX XXXX. Date of the inquiry : XX/XX/XXXX. 
- Creditor name : XXXX XXXX XXXX. Date of the inquiry : XX/XX/XXXX. 
- Creditor name : XXXX XXXX XXXX XXXX. Date of the inquiry : XX/XX/XXXX. 
- Creditor name : XXXXXXXX XXXX XXXX Date of the inquiry : XX/XX/XXXX. 
- Creditor name : XXXX XXXX. Date of the inquiry : XX/XX/XXXX. 
- Creditor name : XXXX XXXX Date of the inquiry : XX/XX/XXXX. 
- Creditor name : XXXX XXXX XXXX. Date of the inquiry : XX/XX/XXXX. 
- Creditor name : XXXX XXXX XXXX XXXX Date of the inquiry : XX/XX/XXXX. 
- Creditor name : XXXX XXXX. Date of the inquiry : XX/XX/XXXX.
Consumer complaint received 2024-08-31
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credence Resource Management, LLC (PA)

To Whom It May Concern, I am writing to formally dispute an entry on my credit report. Upon reviewing my recent credit report, I identified a potential violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( a ).

According to the FDCPA, a debt collector is prohibited from communicating with a consumer regarding the collection of a debt without prior consent from the consumer or the express permission of a court. It appears that a debt collector has made communication attempts concerning a debt on my report without having obtained the necessary consent or court authorization. 

Details of the Disputed Entry : Credence Resource Mana XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Disputed Amount : {$820.00} I request that you investigate this matter and provide confirmation of the correction or removal of this entry if it is found to be in violation of the FDCPA. Additionally, please provide me with a written response detailing the results of your investigation and the steps taken to rectify this issue. 

Furthermore, XXXX is legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure accurate reporting of consumer information. I, the consumer informed XXXX that all the inquiries reported were fraudulent. According to the law, once a federal trade commission ( FTC ) report is filed XXXX is required to remove all disputed items from the report within 4 days, pending investigation Lastly under U.S.C 1692C ( Section B ) Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

Please consider this letter as my formal dispute and request for an investigation as mandated by the Fair Credit Reporting Act ( FCRA ). I appreciate your prompt attention to this matter. 

Thank you for your cooperation. 

Sincerely,
Consumer complaint received 2024-09-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: NAVY FEDERAL CREDIT UNION (TX)

Opened online account with XXXX XXXX XXXX XXXX on XX/XX/year> Confirmed access to account via smartphone app at the time the account was opened. 
DL # and SSN was ID used to open account. 

Attempted to access account on XX/XX/year> and was unable to access account. 

XXXX XXXX requested additional PII to unlock the account sent via fax, snail mail or ( when pressed ) email with a 5 day turnaround. 

Requested that bank close my account and return my money and they refused without disclosure of additional PII in person at local branch. 

I simply want my money back without the headaches they are insisting on.
Consumer complaint received 2024-09-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC. (RI)

I am writing to formally dispute a collection account that has appeared on my credit report. This account, which I believe to be inaccurate, is causing significant harm to my credit score and overall financial well-being. 

I have requested information regarding this account multiple times, yet I have not received any details about its origin or the specific debt it pertains to. I do not owe any money to the Treasury Department, and I find it troubling that this account has been reported five separate times without any accompanying documentation or explanation. 

Furthermore, I would like to note that XXXX has removed this account from my credit report because they could not find any reason for its presence. This reinforces my belief that the account is erroneous and should not be affecting my credit standing. 

The lack of information has left me confused and concerned, as I have not been notified by any collection agency regarding this supposed debt. As I am currently unemployed and relying on government assistance while seeking employment, the presence of this collection account is particularly detrimental to my situation. 

I kindly request that this collection account be investigated and removed from my credit report, as it appears to be reported in error. I believe that a thorough review will reveal that I do not owe this debt, and it should not be affecting my credit standing. 

My credit score on Equifax has dropped by over 100 points which is causing me mental health issues and caused me tremendous financial harm.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

They keep reporting to the credit reports I had late marks 1 60 days and 2 90 late marks. I have disputed it with the creditor XXXX XXXX XXXX XXXX  and they are reporting an address that I never lived at which is still reporting to my credit report. XXXX XXXX XXXX XXXX XXXX XXXX. This account had been paid in full and it says the late payments were from XX/XX/scrub>XXXX XXXX
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: EQUIFAX, INC. (GA)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 USC 1681. 

Name of Account Account Number XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX **** XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. Stated i have the right to privacy.

15 U.S.C 1681 section 602 A section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 

XXXX U.S.C XXXX ( a ) ( XXXX ) 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 2024-09-09
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. (IL)

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 15 U.S. Code 1681 Governs Access to Consumer Credit Report Records And Promotes Accuracy, Fairness, And the Privacy Of Personal information Assembled By Credit Reporting Agencies.
Consumer complaint received 2024-09-09
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)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal car account loan opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), an auto loan insurance account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), a personal loan account opened at XXXX on XX/XX/XXXX under the account number ( private ), a fraudulent child support identification theft {$23000.00} and a collections account opened at XXXXXXXX XXXX on XX/XX/XXXX with a balance of {$790.00} ( private ) that appears related to the aforementioned personal loan account opened at XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and Fraud.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

For XXXX XXXX XXXX docket number ending in XXXX is reporting as a repossession. I dont know why it would be report as such because it was not an auto loan. This has really lowered my credit score.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

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, HI, XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX, NV, 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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MO)

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.

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 2024-10-09
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 am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-09
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. (AZ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
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: EQUIFAX, INC. (NY)

Under the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15U.S.C 1681. 

XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX 15 U.S.C. 1681 Section 602A states that I have the right to privacy.

15 U.S.C .1681 Section 2 604A states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. Section ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than records of convictions for crimes that antedate 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.