davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-19
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. (WI)

XXXX XXXX XXXX been reporting to the credit bureau XXXX for months incorrect information which had me Disputing payment paid in full... l was informed to submit additional information help me. With Ongoing disputes ... il requested from XXXX such as the account paid dates reported on the Same documents instead accounts didn't have No name etc .XXXX XXXX been reporting what they felt ..I owe on account. which was paid full l don't owe. The account was XXXX. I received letter XXXX XXXX XXXX below Appolige for inconvenience XX/XX/2024 they have caused for the attached letters below
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

It is disheartening to come across an error indicating a late payment on my account, especially considering my consistent track record of meeting payment deadlines. This oversight is causing unnecessary stress, and I urge you to promptly correct it by ensuring my records accurately reflect my payment history.
Consumer complaint received 2024-05-20
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)

I am a victim of identity theft. Please delete or remove these items on my behalf.

These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-20
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. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2024-07-10
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

I PULLED ANOTHER COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING PLACED BACK ON MY CREDIT REPORT AFTER BEING INVESTIGATED AND UNVERIFIED. THIS IS COMPLETELY ILLEGAL, AND IN VIOLATION OF 15 USC 1681I ( 2 ) A, I DID NOT RECEIVE ANY WRITTEN NOTIFICATION NOR WITHIN THE 5 BUSINESS DAYS TIME FRAME. I SENT EACH BUREAU A LETTER CERTIFIED MAIL TO ATTEMPT TO RESOLVE THE ISSUE WITH NO FORMAL RESPONSE. 

AS REPORTED BEFORE THIS ACCOUNTS ARE THE DIRECT RESULT OF IDENTITY THEFT AND REPORTING THESE TYPE OF ACCOUNTS TO MY CONSUMER PROFILE IS IN VIOLATION OF 15 USC 1681C-2 THE CREDIT REPORTING AGENCIES HAVE THE LEGAL OBLIGATION OF REPORTING MAXIMUM ACCURACY, WHICH IS GOVERNED BY 15 USC 1681E ( B ) AS REQUESTED PREVIOUSLY, I WOULD LIKE ALL INCORRECT NAMES AND ADDRESSES REMOVED FROM MY CONSUMER PROFILE TO PREVENT INACCURATE REPORTING AND THEFT ACCOUNTS.
Consumer complaint received 2024-05-20
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 am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I checked 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 accounts ( A ). It is not permitted to report these accounts 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 correction due to inaccurate reporting in my file. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-13
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: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-07-10
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. (FL)

Equifax is reporting Information that belongs to someone else. I notified on several occasions to ensure they have the most accurate information in my credit file at all times. Equifax was asked to delete the following inaccurate information from my credit file within the following 30 days. I know that they have up to thirty days to meet my requirements. I did not receive any updates from Equifax during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that Equifax incorrectly reported and should be deleted immediately. 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX I asked Equifax on four occasions to validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

I advised that they have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611. 

Equifax did not complete an investigation, nor had communications of results or said investigations. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-20
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)

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 2024-05-20
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. (FL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-05-20
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. (TX)

I'm rewriting to complaint to EQUIFAX about the unauthorized inquiries on my credit document that isn't genuinely agreeable, demonstrated legitimate, or reported as completely non-permissible and a result of Identity theft also this complaint includes unverified and incorrect information the accounts. My address is XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX, and I go by XXXX XXXX XXXX XXXX 
My birthdate is XXXX. I have noticed likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. The FTC report numbers related to this complaint are XXXX and XXXX. As a customer, I'm qualified for request or potentially constrain you to eliminate them when conceivable inside my government and state customer or potentially social equality. I am filing this consumer complaint and conducting a consumer check to ensure compliance with FACTA Title 1 Section for the particular items you are reporting. 151 that unambiguously obliges a depicted of the modus. This is a legitimate inquiry of information and declaring.
Consumer complaint received 2024-05-20
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. (MD)

I did not consent to these Unauthorized Inquiries. 

XXXX Date of inquiry : XX/XX/2023 XXXX  Date of inquiry : XX/XX/2023 XXXX XXXX XXXX  Date of inquiry : XX/XX/2023
Consumer complaint received 2024-05-20
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 presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am writing to address the late payments reported on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report. Upon reviewing my report, I noticed discrepancies regarding the late payment records. 

Under the FCRA, Section 611, I request that you investigate these late payments and provide evidence of their accuracy. If you are unable to verify the accuracy of these late payments within 30 days, I kindly ask that they be removed from my credit report, as they are adversely affecting my credit score. 

Additionally, I would like to remind you of the requirement under the Fair Debt Collection Practices Act ( FDCPA ) that any debt validation must be provided upon request. Therefore, I request validation of these late payments as per the FDCPA. 

Please consider this letter as a formal dispute of the late payments on my credit report and initiate an investigation promptly. 

Thank you for your attention to this matter.
Consumer complaint received 2024-05-19
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. (IN)

These difficult queries don't belong to me they should be deleted please help me thank you very much. 
XXXX Bank. XX/XX/XXXX XXXX XXXX Bank. XX/XX/XXXX XXXX Bank. XX/XX/XXXX XXXX XXXX Bank. XX/XX/XXXX XXXX XXXX Bank. XX/XX/XXXX XXXX XXXX Bank. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX
Consumer complaint received 2024-05-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Mr. Cooper Group Inc. (NC)

On XX/XX/XXXX, I conversed with Mr. Cooper 's Customer Service Representative, XXXX, who assured me that my account had been paid in full. He elaborated on the processing timeline for the requested documents, estimating a completion window of 20 to 30 days. Regrettably, despite XXXX 's reassurances, neither the Payoff Notice nor the Lien Release document materialized. 
Residing in North Carolina, the absence of the Lien Release document came to my attention only when I endeavored to proceed with the sale of my property. Subsequent attempts to rectify this oversight through Mr. Cooper 's customer service channels proved fruitless, despite SEVEN chat interactions with NINE customer service representatives, and TWO email correspondences, from XX/XX/XXXX, to XX/XX/XXXX. 

Enclosed, please find a comprehensive record of the unsuccessful chat and email attempts to obtain the requested documents, including copies of all pertinent correspondences ( Paid in Full Letter, and copies of the emails sent to Mr. Cooper ). 

For your reference, here is a timeline of my interactions with Mr. Cooper 's customer service representatives for the past 2 months, including whether the issue was escalated, and when I could expect the Lien Release to be sent to me : - Initial Contact - XXXX, XX/XX/XXXX, within 24-48 hours. 
- XXXX XXXX # XXXX XXXX XXXX XX/XX/XXXX, within 4 to 7 business days. 
- XXXX XXXX # XXXX XXXX, XX/XX/XXXX, follow back on XXXX  [ in 2 days ]. 
- XXXX XXXX # XXXX - XXXX and XXXX, XX/XX/XXXX, within XXXX to XXXX business days. 
- XXXX XXXX # XXXX- XXXX, XX/XX/XXXX, XXXX will email within 24 hours. 
- XXXX XXXX # XXXX - XXXX and XXXX, XX/XX/XXXX, issue escalated, within XXXX to XXXX business days. 
- XXXX XXXX # XXXX XXXX, XX/XX/XXXX, issue escalated, within 3 to 5 business days.

Given the prolonged duration of this issue and the lack of resolution despite my persistent efforts, I am reaching out to you for assistance in expediting the issuance of the overdue documents.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WA)

In accordance with the fair with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : XXXX XXXX XXXX Account Number : XXXX 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- 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 2024-05-20
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 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 2024-07-10
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXXXXXX XXXX XXXXXXXX Balance : {$760.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance XXXX {$580.00} XXXX XXXX Balance : {$8900.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$34000.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$300.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-19
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. (IN)

After reviewing my consumer reports, I discovered a late payment on my account for which I have never missed a payment. Consumer reporting agencies play a crucial role in accurately reporting consumer information. I have enclosed a screenshot of the account in question, dated XX/XX/2023, to illustrate my claim. 

I request a thorough investigation into this late payment and ask for proof that they were indeed late. If no evidence can be provided, I demand that this payment be updated to reflect that it was paid as agreed and on time, as I have never been late with my payments. 

Thank you for your attention to this matter. Please find the attached screenshots for reference.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

Showing on all of my credit reports my name is being spelled with all caps and I'm not a business entity.My name should not be spelled with all caps only a business entity is spelled like that.So whatever account that I'm stating below should be removed immediately off my credit report because the lender made this error and it's against the consumer right laws XXXX Account number XXXXXXXX XXXX XXXX Account number XXXX
Consumer complaint received 2024-05-20
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 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. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX