davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-27
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. (MO)

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

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
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX 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 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

I reviewed my consumer reports and I noticed that I had a collection I was in fact never late on or have knowledge of. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts XXXX that I have included screenshots of inside this complaint, on dates XX/XX/XXXX till present XX/XX/XXXX. This is in complete violation of 15 U.S Code 1692, and are hindering my right to credit due to false reporting. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I DEMAND these payments to be updated to paid as agreed on time as they should be due to the fact I was never late. I will also attach an invoice for damages and opportunities missed due to false reporting. Even in the screenshots you can see the inaccuracy of the reporting. Thanks! Please see screenshot attached :
Consumer complaint received 2023-10-01
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (FL)

Again, I am a victim of identity theft and reported to Discover my 2 accounts were breached online allowing access to my information including username and password. REPLACEMENT cards sent to me are invalid. Guessing the criminal has reported lost/stolen again to receive valid credit cards. Requested also last 3-6 months of statements from both accounts to be mailed to me. I will not use online services any longer since that's how I was breached.

DISCOVER would not mail me my 2 replacement credit cards that I again reported 2 days ago, stating they could not verify my identity. Unbelievable! A criminal using MY IDENTITY is able to report lost/stolen cards and get replacement cards mailed but I can not. 
I kind of believe my numerous phone calls to Discover may have also been compromised by forwarding my calls to some unknown person posing as Discover.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which are involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. 

DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am invoking my right to dispute and investigate the wrongful accounts listed on my credit report. Per the Fair Credit Report Act, I should be compensated {$1000.00} for each mistake. FCRA 605B requires us to address any inaccuracies on a consumers credit report.
Consumer complaint received 2024-06-26
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. (SC)

I recently read over my credit report and noticed an account that was not reporting accurately. I had a late payment on an account that I in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on a payment Ive attached a copy of my report to this complaint on the following date ; XX/XX/year>. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-06-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (DC)

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

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

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

I strongly urge you to address this error and clear me of any responsibility promptly. It is vital that you conduct a thorough investigation into this matter and rectify the mistake swiftly. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2024-06-24
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. (VA)

Equifax continues to report inquires that have reported as fraudulent. I have sent them the FTC report and police report and they still keeps reporting.. XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX XXXX  - XX/XX/XXXX . I have reported Equifax several times before but they will not remove them
Consumer complaint received 2024-06-26
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. (DC)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2023-10-01
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: Experian Information Solutions Inc. (MA)

I am writing to formally dispute incorrect information on my Experian credit report, which I initially brought to Experian 's attention on XX/XX/XXXX. Despite the considerable time that has passed, I have not received any response from Experian regarding this matter. I am providing the details of the inaccurate information and the required corrections as follows : Incorrect Account : XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$390.00} This account does not belong to me. Please remove it from my credit report. 

Incorrect Account : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Credit Limit XXXX {$0.00} This account is not mine. Please remove it from my credit report. 

Incorrect Account : COLLECTION Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$420.00} This account does not belong to me. Please remove it from my credit report.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I'm contacting you regarding fraudulent personal information linked to my identity. Accounts and transactions have been wrongly attributed to me without my awareness or approval, causing considerable XXXX. I've fallen victim to identity theft and have already reported this incident. This issue requires immediate attention due to its negative impact on my financial status and reputation. I request your assistance in swiftly removing all fraudulent data from my credit report and thoroughly investigating this matter. I'm ready to provide any required evidence and, if necessary, take legal steps to defend my rights and seek appropriate redress. Your quick response to this urgent situation is greatly valued.
Consumer complaint received 2024-06-26
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 DEPT OF EDUCATIONXXXX 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 in 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. 


DEPT OF EDUCATIONXXXX 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 2024-06-26
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. (CA)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/year>, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX : {$10000.00} XXXX XXXX XXXX : {$48000.00}
Consumer complaint received 2024-06-27
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. (DE)

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 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (MO)

I am a victim of fraud. 
In XX/XX/XXXX I have found that my personal information was used to open an account at Discover Bank in XXXX on XX/XX/XXXX. I did not open or authorize this account. I am trying to dispute this account by sending letters with explanation and proof ( scan copy of my the only one XXXX visa in my passport which I have got in XX/XX/XXXX ) to Discover Bank and also to XXXX and XXXX, but they constantly saying that this account belong to me, but it was not me who opened account in Discover bank as I was living in XXXX till the XXXX started and had never been to XXXX from XX/XX/XXXX till XX/XX/XXXX. 


I do not have all information about opened account, these are things I know : 1. account ending in : XXXX 2. Current balance for account is XXXX $ and it continue growing. 
3. Address which has been used to open the acoount : XXXX XXXX XXXX XXXX XXXX ( I have never been to California ) 4. Account opened on XX/XX/XXXX 5. Last payment was made on XX/XX/XXXX ( i know dates does not looks logical and make no sense but this is waht I knwo from docs they, Discover Bank, sent to me ) I have already reported to police about this fraud and attaching this report aside to this claim.
Consumer complaint received 2024-06-26
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX
Consumer complaint received 2024-07-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

I refinanced my mortgage with Fifth Third some years ago, and when doing so, they applied my payment to a charge card of which I have NEVER had a charge card with them. The late charges kept escalating and negatively affected my credit options, credit score and credit worthiness. This even occurred when I was applying for a car loan, and the dealer stated to me that I could not be approved due to me being behind on my mortgage payments. The incorrect late charges were reversed, but the late charges remained. I asked my XXXX XXXX XXXX XXXX XXXX to research into this, and after the Congressman 's office did connect with them, they dropped all of the charges. The other glaring details were the terms of the agreement. I came to find out that when they refinancing occurred, they had me sign the documents, but did not mention that it was refinanced for over a 40 YEAR MORTGAGE! When the Congressman 's office asked about this part of the inquiry, thy stated that I signed the documents and pretty much, that was that. This has " haunted '' me for years and even now, when I look at the remaining balance from these terms, the math simply does not add up. I noticed the recent case with Fifth Third and due to several medical issues that I have had, need to get this resolved, checked into and a peace of mind. They just sent me a notice that they are handing over my mortgage to a different lender, and I am seriously concerned of the terms that this without any knowledge, etc. that this presents. The balance of what I still owe vs. the term length of all of these years still on the mortgage remaining, don't add up.
Consumer complaint received 2024-07-23
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NC)

I made a payment in store on my XXXX XXXX XXXX XXXX credit card on XXXX. I have the payment receipts & bank statements to prove I did so. So I asked to contest the claim of a payment not being made. They told me that they would email me a form to prove I have paid. I havent received the form or a way to prove I had paid my bill form Comenity Bank yet. My bank statement shows they have tanking the money out of my account & I have the payment receipts showing I made the payment in full before the do date. Now they have tacked on late payment fee as well as interest charges even though I made the payment in full.
Consumer complaint received 2024-06-26
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)

The information that is being reported on my credit report is from a fraudulent account. I have sent the information to XXXX and also XXXX detailing the identity theft that I experience. Please conduct an true investigation. The account address associated XXXX XXXX XXXX XXXX XXXX Florida XXXX is from a fraudulent address. Please remove
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX and I am wrote to XXXX to request consideration in removing a late payment from my credit report associated with my student loan account. The late payment in question occurred in XX/XX/XXXX with a 90 day late payment out of the blue and another 90 day late payment in XXXX, XXXX with no 30 day or 60 day. This is inaccurate reporting. I have sent a copy of this letter to the credit bureaus and also to XXXX asking to correct this error. 
I am currently aiming to achieve the goal of purchasing my first home. Unfortunately, the presence of this late payment on my credit report is hindering my ability to qualify for the most favorable mortgage rates. 
Therefore, I kindly requested that XXXX consider removing this late payment from my credit report because it is an error and not accurate. I have consistently demonstrated responsible financial behavior, and removing this mark would significantly improve my credit score and allow me to pursue my goal of homeownership. 
Thank you for your time and consideration.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX 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 information requested from the list of acceptable items 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 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

First and foremost let me say i love capital one, everyone in my family is a capital one card holder, so this is more of a request for a correction to the reporting. Currently, theres a late payment showing for XX/XX/year>. I expressed to the represnetative that i experienced a hardship during the month of XXXX, and i asked for a goodwill removal of the late remark. The representative advised me that they were going to make the correction and to allow XXXX XXXXXXXX for the correction to reflect. As of now i havent seen a modification to my report. Once again im not complaining about the company i love and appreciate my capital one card. Im just asking for consideration and a removal of the late remark.