davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I have been a victim of the equifax data breach.. I have contact Exquifax and the reporting agencies several times about the accounts reporting on my credit report. now they have failed to remove the account as XXXX and XXXX has already remove the fraudulent accounts from my credit report.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

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 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MS)

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 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 2023-08-03
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

On XXXX XXXX I sent out dispute requesting method of verification for charged off account in the amount XXXX. As of today I still have not received anything. Ive been dealing with this dispute almost a year now and still have not received anything to validate or verify this account nor the proper steps or documentation they took to validate or verify the account prior to placing this on my report and to constantly allow it to be reported to my report as stated under 15 U.S.C 1681i Method of Verification was Not supplied!!! I recently sent out another dispute on XX/XX/2023 demanding them to comply. This matter is negatively impacting my life in many ways including my emotional state and time I constantly have to take out to dispute this and receive no help in this matter is very disturbing.
Consumer complaint received 2023-09-19
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. (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. 
XXXX  Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX. Account # 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 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 2024-03-21
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: Experian Information Solutions Inc. (TX)

I started a dispute. Experian said they validated the account. They did not explain what they did. XXXX XXXX was unable to validate the account and sent me a letter saying that they would not continue to report this account to the Bureaus. Accounts are still being reported.
Consumer complaint received 2023-10-27
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)

This marks the fourth occasion on which I am submitting a complaint to request the removal of these items from my credit file. I anticipate an update within the next 15 days. In accordance with FCRA section 605b, it is mandated that the Credit Bureaus remove any items listed on an identity theft report. I expect the Credit Bureaus to promptly eliminate the following items from 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
Consumer complaint received 2024-06-04
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 am XXXX XXXX, and I wish to clarify that this message is being sent independently and not on behalf of any third party. Recently, I conducted an examination of my credit report, which caused significant distress upon discovering unverifiable, invalidated, inaccurate, and questionable entries. Your agency, tasked with ensuring the accuracy of consumer reports, has not fulfilled its obligation to ensure that the reported information is entirely accurate.

In accordance with 15 U.S. Code 1681e ( b ), consumer reporting agencies are mandated to implement reasonable procedures to guarantee the utmost accuracy of information pertaining to individuals in the consumer reports they generate.

As a consumer, by law, my credit report must be 100 % accurate. I've been requesting for the credit reporting agencies to review my disputes and update my reports. Please update and remove the accounts and items listed in my dispute letters attached. Thank you!
Consumer complaint received 2024-06-07
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. (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 2023-10-27
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)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I am a victim of identity theft please remove it from my report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I am a victim of identity theft please remove it from my report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I am a victim of identity theft please remove it from my report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I am a victim of identity theft please remove it from my report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I am a victim of identity theft please remove it from my report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I am a victim of identity theft please remove it from my report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I am a victim of identity theft please remove it from my report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I am a victim of identity theft please remove it from my report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I am a victim of identity theft please remove it from my report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I am a victim of identity theft please remove it from my report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I am a victim of identity theft please remove it from my report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I am a victim of identity theft please remove it from my report.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Dear Credit Bureau, I am writing to bring to your attention an inaccuracy in the reporting of my account with XXXX XXXX. According to my credit report, there have been instances where I have been reported as late on this account. However, I want to clarify that I have never been late on payments for this account. 
I request that you remove the late payment reporting from this account and update it to reflect my accurate payment history, which is consistently on time and current. 
Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD I urge you to conduct a thorough investigation into this matter and take the necessary steps to correct the erroneous information on my credit report. Furthermore, I request that a full credit report showing these deletions be provided to me after the investigation has been completed. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is XXXX XXXX, and I appreciate you taking the time to delete some of the information in my credit file ; however, there are still items that need to be updated and corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items will be updated and corrected immediately : 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 2022-11-28
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. (IN)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2019-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Transunion I found more FCRA Violations On your behalf!! 
XXXX ACCOUNT XXXX XXXX ACCOUNTS XXXX BOTH ACCOUNTS ARE CLOSED ACCOUNTS THEY BOTH ARE REPORTING MONTHLY PAYMENTS HOW IS THIS SO???? PER FCRA THIS IS A VIOLATIONS AND BOTH ACCOUNTS NEEDS TO BE DELETED YOU CLAIMED THIS ACCOUNT HAS BEEN UPDATED / VERIFIED THESE ACCOUNT ENOUGH IS ENOUGH YOU NEED TO DELETE THESE ACCOUNTS ASAP XXXX XXXX SHOWING {$220.00} A MONTH XXXX SHOWING {$150.00} A MONTH IN CASE THE FILE IS NOT CLEAR BUT XXXX YOU REPORTING THE VIOLATION YOU CAN SEE IT
Consumer complaint received 2024-06-04
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. (CA)

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-06-04
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 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 2023-08-03
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2024-06-04
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. (NV)

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 : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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  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 2024-06-04
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. (LA)

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 : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 2023-10-27
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. (TX)

I urgently and respectfully request the Credit Bureaus to remove these fraudulent inquiries from my credit file, in accordance with FCRA section 605b, which mandates Credit Reporting Agencies to remove any inquiries listed on an identity theft report. I have included these inquiries in my IDENTITY THEFT REPORT XXXX XXXXXXXX, which I am resubmitting with this complaint. I anticipate an update in my credit report within the next 15 days, and I kindly request that the following inquiries be removed promptly : 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
Consumer complaint received 2023-09-19
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Pa TransUnion, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX XXXX To whom it may concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 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 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Ace Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Pa XXXX
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I have notified the credit breaus several times to remove all things that are not mine off of my credit. I am very upset because i have XXXX kids and we are trying to buy a house. Thay have not updated my credit score at all and io have on time payment that is reflecting.
Consumer complaint received 2024-06-04
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 reviewed my Consumer Reports and noticed that I had one 30 days late payment reported on an account. I was never been 30 days late payments for Consumer Reporting Agencies as they assumed. They have a vital role and responsability to report Consumer information in safety way, and the best ability with XXXX XXXX. I have never been on late 30 days payment for the Account " Web Bank Avant '' with account number " XXXX ''. Please investigate and provide good information that these payments, were late for more 30 days. Otherwise If proof CAN NOT be provided, I request to fix these wrong information payment status be moved and updated to " ON TIME '' status as they should be. Thanks
Consumer complaint received 2023-08-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC (MI)

On XX/XX/2019 I was working as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,,,, I was XXXX XXXX XXXX XXXX XXXX XXXX and seen in the XXXX  the same day while still on the clock ... .. About a year ago I saw there was a collection on my credit report. It is from XXXX XXXX, for XXXX XXXX  I contacted this company, they stated it was from this incident I was seen in the XXXX I contacted my former employer at the XXXX XXXX XXXX, and the record was found, and PAID IN FULL!!! I was also made aware by the billing dept at the hospital that they do not even use this company. I believe this is a fraud and some third party selling info to trick people ... .Please Help!!! my next step is to hire a lawyer... And I did dispute this immediately and was found to be legit????? I requested my Medical records and billing from this day, and Iam awaiting there arrival so I can send a copy to this company.