davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-14
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. (NJ)

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 : XXXXXXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, has violated my rights. 

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 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 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 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.
Consumer complaint received 2022-10-28
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 — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE (PA)

I had an account with Barclays and it was set up for automatic payments every month, on several occasions they failed to deduct the monthly payment, and then charged me for late fees so I paid off the balance and then after I disputed the charges and erroneous credit report entries they closed my account for inactivity. They currently have a bad credit item on my credit report for the last 2.5 years and they refuse to remove it and that is why I discontinued using their services.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2024-06-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

Ensuring timely payments on this account has always been my priority, and I've never let them become overdue. I am unclear why late payment remarks appear on my accounts. 15 USC 1666b states that billing errors should be corrected.
Consumer complaint received 2024-05-14
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. (TX)

Dear XXXX XXXX and consumer reporting agencies, I hope this message finds you well. 

I recently discovered an error in my recent dispute filings regarding inquiries from XXXX XXXXXXXX XXXX While I'm actively addressing fraudulent inquiries on my report, I want to clarify that my XXXX XXXX inquiries are accurate and valid. XXXX XXXXXXXX Account XXXX XXXX Upon reviewing the copies of my submissions, I realize this was an unintended mistake on my part. I do not want to close my credit card and want to continue making on time payments. If you have any questions please call me at XXXX. I attached a copy of a utility bill and bank statement as proof of address. I have been doing great business with XXXX XXXX and would like to continue to do so. 

Thank you for your attention to this matter. 

Warm regards, XXXX XXXX XXXX
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IN)

Please correct the error in my account by removing the erroneous late payment record. I have consistently maintained timely payments and have never failed to fulfill my obligations. This inconsistency is significantly impacting my peace of mind and disrupting my sleep patterns. I urgently implore you to address this issue promptly and ensure the accuracy of my account.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-05-14
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)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2021-02-11
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: EQUIFAX, INC. (TX)

I have been battling XXXX XXXX XXXX XXXX XXXX  and Equifax Information Services LLC for over 30 days on the issue of inaccurate accounts being reported. Now they are asking for my permission to allow them to get a third party involved, which makes no sense, on top of them still continuing to report inaccuracies while they try to verify the validity of said inaccuracies. According to the Fair Credit Reporting Act, section 609, ( a ) 1 ( A ), you are required by Federal Law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report ( BEFORE REPORTING ). Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account.
Consumer complaint received 2024-05-14
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. (LA)

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : However, they stated evervthin " " `g was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 
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 instructons 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 tan 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 modity accounts tat isnt reporting correcuy. 
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 ZA instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followina items of information Anv other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven vears. 

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. 
Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. 

XXXX XXXX Inquiry Date : XX/XX/2023 XXXX
Consumer complaint received 2024-05-14
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. (NY)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. Please take a look at the attached letters and ID docs for verification. The stuff on my credit report is wrong.
Consumer complaint received 2024-06-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NV)

On XX/XX/year> around XXXX someone from the Wells Fargo Account/Fraud phoned me and told me that they saw possible fraud on my debit card. The number that they used was already in my Contacts as they called the week before saying there was fraud on my Wells Fargo Visa Signature card and they sent me a new card. On XX/XX/year> I believe someone at Wells Fargo hacked my checking and savings account and put everything into the checking account. They then took cash advances on the two WF visa cards and also put that money into my checking. They eventually sent all my money through XXXX XXXX ( which only had the debit card tied to it ) and stole my money. Wells Fargo says they show no signs of fraud, which I think they are lying as this had to be internal. How would a hacker get access to ALL FOUR accounts? They kept passing it off that it was through XXXX XXXX, but as stated XXXX XXXX did NOT have my credit cards or savings attached to it. They refused to help me or correct this by putting my money back on my accounts.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documen
tation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: AMERICAN EXPRESS COMPANY (PA)

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. I understand that, according to the Fair Credit Reporting Act, Section 611 of the FCRA, you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified.It is also my understanding that, under the FCRA, 15 U.S.C. & 1681i, every single one - even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and/or unverified aspects of any alleged derogatory accounts- must be promptly negated in its entirety, or the alleged accounts must be completely deleted.I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts, or provide testimony and certification that you are adhering to mandated XXXX  XXXX XXXX formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and/or standards, and must be removed immediately.
Consumer complaint received 2024-08-26
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: CCS Financial Services, Inc. (VA)

I formally request validation and verification of this alleged debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide me with the following information : 1. Assignment Contract : A complete copy of the assignment or purchase agreement between your agency and the original creditor, showing that you have the legal authority to collect on this debt.

2. Original Creditor Information : The name and address of the original creditor, as well as the original account number.

3. Detailed Accounting : A full and detailed accounting of the alleged debt, including a breakdown of all charges, fees, and interest added to the account after it was allegedly assigned to you.

4. Proof of Ownership : Evidence that the debt was sold or transferred to you, including any documents demonstrating that the original creditor transferred rights to collect this debt to your agency.

5. Verification of Accuracy : Documentation showing the accurate amount of the debt and the validity of the debt as required by law. This includes all statements or billing records that reflect the original balance and all payments made. 
6. Affidavit of the Debt : A sworn affidavit from an authorized agent of your agency attesting to the accuracy of the debt and your legal right to collect. This request is not only for verification but also to ensure that you are compliant with the FDCPA and that my rights as a consumer are protected. I expect a timely response within the 30-day period as prescribed by law. Please note that I am specifically requesting this information be sent directly to me and not processed through any automated dispute systems, such as XXXX It is imperative that you provide the exact documentation as requested above. If your agency can not provide the requested information, you are required by law to cease collection efforts and notify all relevant credit bureaus to remove any reference to this alleged debt from my credit report.
Consumer complaint received 2023-09-25
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. (GA)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Consumer complaint received 2023-10-29
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. (TX)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (NC)

I have tried numerous times to have this account updated correctly to reflect accurate payment information and balance. At this time Exeter refuses to follow the FCRA laws in making sure that this account is reporting accurately. I have become so frustrated with the blatant breaking of the law and violating of my rights that I voluntarily have given the car back to stop the inaccurate reporting of payments balance to my credit report. Exeter Finance has shown callous disregard for any laws regarding consumers and their credit reports. I have attached the snippet of my credit report that I had pulled today that clearly shows the violation of the FCRA. I have disputed this account 6 times with them and complained to the FTC and yet Exeter refuses to comply to the law. I intend to file lawsuit against Exeter and contact my state attorney general with the evidence I have collected.
Consumer complaint received 2024-05-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2024-06-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

They did not, have not resolved this matter! My mortgage is current, my property taxes are current-nonetheless the portal reflects a XXXX  payment due and XXXX payment due! I was told because they infringed and double-dipped that I owed {$9.00} which was submitted immediately. My last conversation on XX/XX/XXXX was in 24 hours my account would indicate absolutely current. It does not! Every telephone call promises made and never, ever followed through! Please my attorney has requested that I get the documents from them beginning XX/XX/2024. They have not given me said documents and my bank absolutely reflects payment history! This company lies during each and every verbal encounter and zero follow-up!
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-17
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)

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$6300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : Balance : {$230.00} XXXX Inquired on XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX  XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX