davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I reviewed my consumer reports and notice that I had two late payments on an account that i was never late for. the consumer report agencies have assumed a vital role and have the responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in XX/XX/year> and XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. if proof can't be provided proof with statements showing that these payments were late. if proof can't 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. Thanks! please see screenshot attached :
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am in disagreement with this account listed here which still appears on my credit report, even after your investigation. i would like this account immediately re investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX account number XXXX In accordance with the fair reporting act, public law 91-506, titleIV, section 611 please provide the names and business addresses of each individual with whom you verifed above so i can follow up. Please send a updted copy of my credit report after your reinvestigation.
Consumer complaint received 2024-06-13
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)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. 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. I need the following accounts to be updated from my file right away XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (AR)

I opened a dispute on XX/XX/year> that was scheduled to be resolved by XX/XX/year> that has yet to be completed and is still on my credit. I Also mailed a letter out on XX/XX/year>. The company I disputed through reached out to card issuer and the account was still not removed from my credit report.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

Hello, I have tried to get bank accounts, and or a new car from places XXXX XXXX XXXX XXXX, XXXX, or even apply for loans. However when I do this, these creditors are unable to pull my original report. I am subject to XXXX XXXX  from higher up family members, who liquidated my assets and credit cards, profile and ssn number, all against my will. I was subjected to guilt, shame, and incorrect statements about my financial status, discrimination on how I personally lived my life. They threatened me to comply else they would choose if I lived or died. They are rich family members, and XXXX requesting the credit companies to remove old accounts, re-establish a healthy credit score, place my negative credit accounts on delete, and give me a second chance. I will be suing my family for defamation, choice abuse, and environmental violations/controls for my credit history and profile issues Ive received XXXX I also want a fresh start on my XXXXXXXX XXXX
Consumer complaint received 2024-06-11
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. (TN)

TO WHOM IT MAY CONCERN, ACCORDING TO THE LAW AND MY CONSUMER RIGHTS PER FDCPA : The FDCPA prohibits debt collection companies from using abusive, unfair, or deceptive practices to collect debts from you.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days since i sent in my last dispute asking for re-investigation and my letters have gone unanswered and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEN to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding these accounts listed be deleted IMMEDIATELY! 

Account : XXXX XXXX XXXX XXXX Account # XXXX Account : XXXX XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

I am writing to inform you that my credit report with your bureau appears to have been compromised. Upon reviewing my records, I have noticed numerous entries that do not belong to me. After conducting thorough research, I found that under Section 605b of the Fair Credit Reporting Act ( FCRA ), the Credit Bureaus are required by law to remove any items that are found to be a result of identity theft. The disputed items on my credit report do not belong to me and were fraudulently opened. I have enclosed the required Federal Trade Commission ( FTC ) Identity Theft Report, along with relevant bank records supporting my claim. I request that you could help me promptly remove these fraudulent entries from my credit report. My research indicates that the Credit Bureaus are required to verify with 100 % accuracy that each item is true, accurate, correct, complete, and verifiable. If they are unable to provide these records and claim that the items are verified, please be aware that I will seek legal action to protect my rights. Please understand that I take this matter very seriously, as does my attorney. Therefore, I expect full compliance with the law to resolve this matter swiftly and satisfactorily. The following items should be remove as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MA)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the XXXXair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-06-11
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. (TN)

ACCORDING TO THE LAW AND MY CONSUMER RIGHTS PER FDCPA : The FDCPA prohibits debt collection companies from using abusive, unfair, or deceptive practices to collect debts from you.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days since i sent in my last dispute asking for re-investigation and my letters have gone unanswered and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEN to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding this account listed be deleted IMMEDIATELY! 

XXXX XXXX XXXXXXXX ACCOUNT # XXXX
Consumer complaint received 2024-01-19
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: OneMain Finance Corporation (NY)

I took a loan from OneMain Financial three years ago. The payments were not going down. I was paying on time they kept saying my bank was returning the payments I had to switch banks its just been a nightmare for the last three years eventually I just let them take my car that I put down as collateral because I couldnt take it anymore. They harassed me so much I had to have them blocked from communication except via mail. They kept editing my online account so anytime I try to make a payment through the account. It would tell me I would have to call. I did reach out to the New York State Department of financial services and consumer complaints about this a year ago and I just read an article that they are being sued and I completely understand why
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-06-13
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 would like to follow up in regards to rectify the fraudulent items on my credit report have been handled. Despite my persistent efforts to have these fraudulent entries removed, they persist on my credit file, causing severe financial and personal distress. These fraudulent entries have had a profoundly negative impact on my credit score, making it difficult for me to access credit and even secure employment opportunities. I have followed all the appropriate procedures for disputing these fraudulent items, including submitting supporting documentation and adhering to the regulations outlined in the Fair Credit Reporting Act. Despite my repeated efforts, the fraudulent items persist on my credit report, and no corrective action has been taken. I am deeply concerned about the harm this situation is causing to my financial well-being and overall quality of life. I expect a thorough and prompt investigation into this matter to remove the fraudulent items from my credit report. I kindly request that you provide me with a written response detailing the results of your investigation and the actions taken to rectify my credit report within 30 days of your receipt of this complaint, as required by the Fair Credit Reporting Act. Please help me remove these fraud items in my credit file immediately : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX : {$3100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX Balance : {$3100.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$150.00} XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} .
Consumer complaint received 2024-06-13
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. (RI)

I appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be corrected right away. 
XXXX XXXX
Consumer complaint received 2024-06-13
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'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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-02
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. (CA)

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 Balance : {$0.00} XXXX XXXX XXXX XXXX : {$43000.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX {$4400.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$3000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$2400.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act. The List of accounts that i put in template has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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. 
I told XXXX, XXXX, and Equifax to reinvestigate these accounts However, they stated everything 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 supposed to modify accounts that aren't reporting correctly. To remove.
Consumer complaint received 2024-06-13
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. (AL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.
Consumer complaint received 2023-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A. (OH)

On XX/XX/XXXX around XXXX XXXX  EST, I send in a check to my Local PNC Bank Branch that was fake. It was scammed by someone via email who was offering me a remote Data Entry Operator job. This scammer mailed me several fake checks that I initially had no awareness of their validity. The first check total to {$6800.00}. Also, due to the scammer tricking me into buying multiple XXXX payments, I lost a total of {$11000.00}, with XX/XX/XXXX adding in the last additional loss in damages. 

It was not until late at night at around XXXX PM on XX/XX/XXXX was I given an email that my account was now in Low Cash Mode. This was naturally due to the scammer tricking me to use up all my money within my checking account. However, despite already informing all parties relating to each specific ATMs I used, as well as contact the Ohio Attorney General and filing a claim towards the FBI about this scammer, the PNC Bank where my account resides, made no attempt about informing me regarding the fake check or made any attempts to raise suspicion relating to the transactions. Especially when it took less than a day to process the fake check and see if the {$6800.00} was transferred into my account, that made me assume I had all available funds thanks to the Scammer, had my bank account contacted me about the forgery, my savings would have likely been prevented early on. Also, the scammer lied about paying for uber if it means being able to get payments.
Consumer complaint received 2024-06-13
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. (PA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EGL US, LLC (MI)

BMG loans at work LLC and XXXX XXXX XXXX are reporting a debt to my report without my my consent. they are doing this without my written instruction. they continue to violate my privacy rights. Niether of these companies have certificate of authority to transact business in Michigan. They are not showing me any contract that shows i owe anything and if they did it would be an admission of violating multitudes of state and federal law without penalties and liabilities well over XXXX dollars. this violates the XXXX, FDCPA, GLBA, FACTA, Post Office Act. Wire Fraud Act. that's just the start. there's also multitudes of state law and public policy in violation.

In addition The Fair Credit Reporting Act states multiple times the importance due diligence, accuracy and the grave responsibility of reporting agencies. this information is inaccurate illegal and must be removed promptly in accordance with the law.
Consumer complaint received 2024-07-02
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. (GA)

To Whom It May Concern, I received a copy of my credit report and found the following inquires to be in error : ( XXXX  XXXX XXXX XXXX & XX/XX/XXXX ), and ( XXXX XXXX XXXX  XXXX XXXX- XX/XX/XXXX ) By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter.