davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-24
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)

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

Upon pulling my credit report back in XXXX, I noticed multiple fraudulent accounts on my credit report. These accounts do not belong to me. Who are these companies? I also have never given my personal information to anyone. These accounts need to be removed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-24
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)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 : SYNCB/LOWES Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I am a victim of Identity theft. The information on my credit report is inaccurate. I hope that you realize the damage and stress that you are causing me by not complying. I am fully aware that negligence and noncompliance is a violation of 15 USC 1681n Civil liability for willful noncompliance. Each violation under this section could be up to {$1000.00} and I have no problem exercising my rights as a Federally protected consumer under title 15 Chapter 41 and pursue litigation
Consumer complaint received 2024-05-24
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)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per XXXX XXXX XXXX, billing errors should be corrected.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

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 2024-05-24
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. (SC)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CA)

Date account opened on my report from citi cards is innacurate. I do not have original contract but would like to request, balance is incorrect on both and without my original contract I need this to be verified because there are innacuracies scattered throughout my creditor and collections ( both of which are still on my report ). Supposedly citicards sold my debt to XXXX in XXXX but continued to report and raise my balance all the way up until they closed it XXXX of XXXX. So the original creditor and supposed collection agency they sold it to were both reporting and raising the balances for years. I moved states early in the pandemic and haven't had contact with either of them and when I went to check my credit recently I was shocked with all of the innacurate info on my report. I would like citibank to verify my original credit limit, the date the account was opened, a good excuse as to why they just closed an account XX/XX/XXXX that they sent to collections in XXXX. Citi the original creditor continued to add an innacurate balance for years. XXXX continues to add collections and i would like them to send the original contract with the APR on contract to see if they have overcharged interest over the years. I sent validation letters 2 months ago when this came to my attention with no luck and with the original creditor reporting to the agencies on something they supposedly sold 3 years ago with multiple innacuracies such as date opened, balance and not showing as charged off its a little confusing on who owns what. It doesn't make sense that an original creditor can keep something open with so many innacuracies after selling debt to collections for years and citi still showing good standing and closed due to inactivity is beyond me
Consumer complaint received 2024-05-24
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. (CA)

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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.

Also, they aren't even in compliance with Metro 2 credit reporting. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX - XXXX {$18000.00} XXXX XXXX XXXX
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX XXXX : Dispute of Information on Consumer Report Dear Sir/Madam, I am writing to formally dispute the following information that appears on my consumer report. The account in question is : Account Number : XXXX Creditor : XXXX XXXX XXXX XXXX Basis of Dispute : 1. Privacy Act of 1974 : The Privacy Act of 1974 requires that personal information in government records be accurate, relevant, timely, and complete. Although this primarily applies to federal agencies, the principles of privacy and accuracy should extend to how private entities handle personal financial information. The presence of inaccurate or unauthorized information on my consumer report is a breach of these privacy principles.

2. Charge-Off Account Consideration : The account in question has been reported as a charge-off. A charge-off is essentially a certificate of indebtedness, which under IRS rules can be considered as forgiven debt and therefore treated as income. Since this debt has been considered as income, it should no longer be reported as a liability on my credit report. Continuing to report this charge-off account negatively impacts my creditworthiness unfairly and inaccurately.

Request for Resolution : In light of the above points, I am requesting the following actions : 1. Immediate removal of the disputed account from my consumer report.

2. Written confirmation that the account has been removed and that no further unauthorized information will be shared or reported. 

Please consider this letter a formal request under the Fair Credit Reporting Act ( FCRA ) to correct inaccurate information on my consumer report. I expect an investigation to be conducted within the required 30-day period, and a resolution to be provided promptly.

Thank you for your prompt attention to this matter. Please acknowledge receipt of this dispute and keep me informed of your actions regarding the removal of the disputed account. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-10-23
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2024-05-24
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. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : " XXXX XXXX - XXXX, XXXX XXXX  - XXXX
Consumer complaint received 2024-05-24
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. ()

I disputed ownership of an account of my report, asking them explicitly to request proof of ownership which the creditor was unable to do, responding simply that I call them. Having not been able to provide this information and according to the FCRA and XXXX actual policy, they should be removing this account. They have been near impossible to communicate to and simply insist I re submit a dispute over and over again, always waiting a full 30 days or longer to reply with the same response, that I should call the creditor and that they are not responsible for reporting the information, the creditor is. This has been a confounding experience and very disheartening to see that one of the only two credit reporting bureaus practices unlawfully. They also will not remove an account that was opened in 2015 and has had no activity on it since that date. I have sent them the full account history which shows this is the case but they insist on reporting this still, even though its several years past the statute for reporting. They have been equally as difficult to deal with to resolve this and have spouted the same replies as the first situation mentioned above.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Advanced Resolution Services Inc. (NY)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX XXXX Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-07-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: First Associates Loan Servicing LLC (MI)

I had a settlement agreement with the company and gave them permission to deduct a specific amount from my checking account. They deducted an amount 33 % greater than the agreed upon settlement committing wire fraud and are refusing to issue a refund.
Consumer complaint received 2024-05-24
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. (FL)

Ive noticed some accounts on my credit report that I dont recognize. It seems like they might be the result of identity theft, as I never authorized them. Ive brought this up with you before, and Im writing now to ask that these accounts be removed from my report as soon as possible. Having these accounts on my report has been really stressful. They dont reflect my actual credit history or my financial responsibilities, and its been tough dealing with the impact. If we cant sort this out, Im prepared to take legal action to defend my rights and find a solution. These incorrect items on my credit report have been a big obstacle for me. Theyre getting in the way of important financial goals I have, like buying a house and taking care of my family. I hope we can resolve this issue quickly.
Consumer complaint received 2024-08-21
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. (GA)

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 and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-24
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. (NY)

I, XXXX XXXX XXXX, want to clarify that this message is being sent independently and not on behalf of any third party. Recently, I scrutinized my credit report and was deeply troubled to find unverifiable, invalidated, inaccurate, and questionable entries. Your agency, entrusted with ensuring the accuracy of consumer reports, has failed in its obligation to guarantee the complete accuracy of reported information.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-05-24
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. (SC)

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. Whos studying computer sciencehelpmeoutby finding a way to check if my Gmail emails were involved in this breach? To my surprise, it turns out that 2 out of 3 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 it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-05-23
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: Experian Information Solutions 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 ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a letter on or about XX/XX/year>, requesting a one-time good will adjustment to remove the late payments from my credit report, giving me a second change to prove my creditworthiness. 

My reason is unexpected circumstances such as the pandemic, loss of income and construction of our home caused us to fall behind, but my salary has now returned to normal and I'm committed in make on-time payments.