davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-16
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)

This account has been updated on my XXXX XXXX report by the XXXX as never late. They took the XXXX day late payment off when i proved it was a banking error. But XXXX is refusing to report the correct payment history. Did a rushed quick investigation and reported the same XXXX day late. This has been taken off my payment history as per XXXX 
This account needs to be updated to reflect NEVER/LATE. as it is on my XXXX XXXX credit report. Below dispute results by XXXX DID NOT FIX THE PROBLEM. 

The dispute for the account with XXXX XXXX that starts with XXXX has been updated. 

Source : XXXX Date Submitted : XX/XX/2024 Report Number : XXXX Account Number : XXXX Company : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-16
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I strongly insist on the removal of this late payment from my account, as it inaccurately reflects my payment history. I have consistently maintained timely payments, and it is unfair to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent a letter on XX/XX/XXXX, to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/delete any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX Balance Owed : {$890.00} XXXX  XXXX NA XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-05-16
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)

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 2024-09-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is an unfair system that should be ignored and taken advantage of, even though malpractice breaks many laws.The severity of not taking my situation seriously has resulted in financial harm, defamation of character, and a 60-day silence.
Consumer complaint received 2024-05-16
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MS)

I am writing to seek your assistance in addressing a concerning issue related to identity theft and erroneous debt reporting by the XXXX XXXX XXXX. On XX/XX/year>, my vehicle was unlawfully broken into, resulting in the theft of my purse, which contained sensitive personal information. Subsequently, I became a victim of identity theft, with unauthorized individuals misusing my personal data for fraudulent activities. 

Recently, I discovered that the XXXX XXXX XXXX has reported that I owe them for XXXX apartment rentals totaling XXXX. However, I have never rented any apartments nor incurred such debt. It has become apparent that these fraudulent accounts have been opened in my name by the perpetrators of the identity theft. 

Despite my repeated attempts to dispute these claims and provide evidence of the identity theft, the XXXX XXXX XXXX has failed to rectify the situation, causing undue distress and financial harm. I have diligently followed the prescribed procedures for disputing fraudulent accounts, including submitting identity theft affidavits and supporting documentation, yet the erroneous debts remain on my credit report. 

This wrongful reporting by the XXXX XXXX XXXX is not only damaging my credit standing but also impeding my ability to secure loans, housing, and employment opportunities. The gravity of this situation can not be overstated, and I am reaching out to the Consumer Financial Protection Bureau ( CFPB ) to request your intervention in resolving this matter swiftly and justly. 

I have enclosed copies of relevant documents, including police reports, identity theft affidavits, and correspondence with the XXXX XXXX XXXX, to support my claim. I am fully committed to cooperating with any investigation or inquiry conducted by the CFPB to bring about a resolution. 

Your urgent attention to this matter would be greatly appreciated. Please do not hesitate to contact me if further information is required. 

Thank you for your understanding and assistance in this challenging ordeal.
Consumer complaint received 2024-05-16
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)

PLEASE BLOCKED AND REMOVED I strongly advise against including this suspicious entry on my credit report. It does not belong to me, and its presence is highly concerning. Please take the appropriate measures to rectify these inaccuracies.
Consumer complaint received 2024-05-16
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. (FL)

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 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am reaching out to report a case of identity theft and fraudulent accounts and hard inquiries that are still appearing on my Equifax credit report, despite my efforts to have them removed. I sent my letter on XX/XX/XXXX and XX/XX/XXXX. However, as of XXXX, XX/XX/XXXX, the fraudulent hard inquiries have not been removed from my credit report. 

I have contacted the bureaus XXXX  times, but their agents have not provided a satisfactory resolution. Each time I call, I receive different answers, and the problem remains unresolved. They have requested that I resend my documents, stating that they are invalid without clear reasons. I have even sent my IDs to them, but they have not acknowledged my request to remove the hard inquiries. 

I have also reached out to the company responsible for the fraudulent inquiries, but they have not taken any action. The fraudulent accounts on my reports are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I have attached the same XXXX  report that I sent to them, along with my IDs and proof of address. I would appreciate it if you could take immediate action to have these fraudulent inquiries removed from my credit report.
Consumer complaint received 2024-05-16
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)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-16
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating my account.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my 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
Consumer complaint received 2024-08-23
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC (NY)

I called Selene finance to inquire about an issue I faced with them in the past regarding my mortgage. While inquiring about this issue they stated I needed to pay for the month of XXXX. I Proceeded to tell the representative i was talking to that i had already paid them for the month of XXXX. The rep said please send in your proof of payment which I did. I sent them my bank statement showing proof of the funds drawn from my bank account. The representative I spoke with who informed of this late payment was also very pre occupied it seemed and disconnected the line after I told her I emailed the bank statement. I then called back and I spoke with a different rep, he informed me no it isnt XXXX payment they I missed, it was in fact the XXXX payment. I again told him this was impossible it shows on my XXXX bank statement that the money was drawn from my account and I proceeded to again send them this statement via email. Then my partner, XXXX XXXX called them with me on the line as well, and we spoke with a different rep. This representative informed us that it was in fact XXXX payment that was missed so they credited the payment I made in XXXX for the missed XXXX payment. I again informed them that this was incorrect and that I would send in proof of payment using my bank statement. Before they could tell me no it was XXXX at this point I was so frustrated I just sent them the XXXX and XXXX bank statement and I had already previously sent them XXXX and XXXX statement as well. Do to an error on Selene Finances part I now have two reported 60 day late payments on my credit report with all three bureaus, from 2022, and now a new 30 day late payment reported on my credit again to all three bureaus as well do to Selene Finances error. I want Selene Finance to recognize the damage they have caused me and remove all of the reported late payments from all three credit bureaus. Two of the mentioned 60 day late payments they reported in 2022 I made a complaint to consumer financial protection bureau about in order to get Selene finance to even respond to me and agree to fix, but they never did fix it.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

This morning, I discovered unauthorized inquiries on my credit report, and I can't understand why. I checked my report as I normally do, but this time, unexpected discrepancies appeared. I even refreshed my browser, hoping it was a glitch, but the inquiries remained. I'm really upset about this and request that the documents I've sent be thoroughly reviewed so this issue is resolved once and for all.
Consumer complaint received 2024-09-07
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. (IA)

I have written this company two times to request a debt validation letter and verification letter and did not receive the letter. I have also written all three credit bureaus requesting the same information previously twice as well. 
After carefully investigating the company XXXX XXXX XXXX XXXX, they are not even licensed to collect in my state that I live in Iowa. 

As such, any attempt to collect the alleged debt from me is in violation of Iowa state law and the Fair Debt Collection Practices Act ( FDCPA ).

Consequences of Non-Compliance : Please be aware that any further attempts to collect this debt in violation of Iowa law or the FDCPA will be met with legal action. I am prepared to file a complaint with the Iowa Attorney General 's Office, the Federal Trade Commission ( FTC ), and the Consumer Financial Protection Bureau ( CFPB ). I will also seek damages as allowed under state and federal law.
Consumer complaint received 2023-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.
Consumer complaint received 2024-05-15
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)

PLEASE BLOCKED AND REMOVED It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your swift attention to and resolution of this issue are highly appreciated.
Consumer complaint received 2024-05-16
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. (FL)

After reviewing my Credit Report I noticed that the CRA 's including XXXX XXXX XXXX XXXX are illegally reporting transaction history in my Credit Report which is not public information ( Account number XXXX ). This is a direct violation of the Privacy Act of 1974 and a violation of 15 U.S. Code 6801 - Protection of nonpublic personal information. I demand that this transaction history be removed immediately.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TRANSUNION, XXXX and XXXX are reporting in account that is in accurate outdated in my credit file. I have requested that they delete this account, but they have refused and have reported back to me that the account is validated. However, they have not provide me proof of the validity of the account, The account number is XXXX, Creditor-XXXX XXXX . First Date reported XX/XX/2017
Consumer complaint received 2024-05-16
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 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. 
XXXXXXXX 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 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (TX)

After receiving collection letters, I submitted complaint to a credit bureau. The account ended up just disappearing and their customer service has no idea what happened or how to look up the account. 

I have even attempted to request my data under state data privacy laws, but the company has not provided the data and has not even made an option for data requests from anyone from my state.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-29
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. (FL)

I sent a letter to the XXXX Credit Bureaus requesting to reinvestigate the disputed items from my credit report as well as update the items from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to dispute fraudulent accounts that have been inaccurately reported on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) Section XXXX ( b ) ( 15 U.S.C. 1681c-2 ), I request a thorough investigation into the following fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts do not belong to me, and I have never initiated nor authorized any transactions with the aforementioned creditors. I believe that these accounts are the result of identity theft or fraudulent activity, and their presence on my credit report is damaging my creditworthiness and financial standing. 

I am requesting that [ Credit Bureau XXXX ] conduct a comprehensive investigation into these accounts in accordance with FCRA guidelines. Specifically, I request that you : Verify the accuracy of the information provided by the creditors. 
Provide me with copies of any documents related to these accounts. 
Remove these fraudulent accounts from my credit report immediately. 

Under the FCRA, I am entitled to receive a written response within XXXX  days of your receipt of this dispute letter. Please inform me of the results of your investigation and the actions taken to rectify this matter. 

I appreciate your prompt attention to this urgent matter and look forward to a swift resolution. If you require any further information from me, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your cooperation. 

Sincerely, 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.