davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, 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)

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX and XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX
Consumer complaint received 2024-06-06
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. (TN)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX  XXXX XXXX
Consumer complaint received 2024-05-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I've always ensured timely payments on this account, ensuring they're never overdue. I'm uncertain about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.
Consumer complaint received 2023-12-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: South Mississippi Collection Services Inc. (MO)

On Friday, XX/XX/XXXX, South Mississippi Collection Service , Inc contacted me saying that I owed {$91.00} to XXXX XXXX XXXX This debt had been paid to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I sent them an email containing the payment receipt while they were on the phone, but they then said it was my responsibility to contact the debt originator despite having proven paying the bill. I contacted XXXX XXXX XXXX, and they assured me they had provided proof. When I contacted South Mississippi Collection Service , Inc, they refused to provide me written confirmation that my account with them had been resolved.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

This complaint that I am writing/sending is absolute and certain. I am extremely frustrated on the errors being reported on my credit, I can not ignore these any longer as it has been affecting all aspects of my life negatively in ways you can not imagine. I am not getting approved new credit because of this errors and it's stopping me from having financial freedom and stability.
Consumer complaint received 2023-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

This is account needs to be investigated and deleted immediately from my file.

Please send me confirmation once complete.

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, genera reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. This needs to be done.
Consumer complaint received 2024-07-30
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. (AZ)

Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX MORTGAGE XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

In XX/XX/year> I discovered accounts reporting on my credit reports that I never opened. I do not recognize any of the account information. And I never engaged in any business with the companies named on the accounts. The credit reporting agencies, XXXX XXXX, XXXX, and Equifax have a duty to ensure that they are reporting fair and accurate information but they have failed to do so. How can a credit reporting agency be handling private financial information and make a mistake like this? Since then my credit standing and reputation is being damaged more and more daily. I am seeking redress and equitable relief for the fraudulent account information to be deleted from my credit report within 4 days from the receipt of my notice of dispute. The fraudulent accounts are : XXXX XXXX, Account # XXXX, XXXX XXXX, Account # XXXX, XXXX XXXX XXXX, Account # XXXX, and XXXX XXXX XXXX XXXX XXXX, Account # XXXX. I have attached my appropriate identification, proof of my real address, an identity theft notice, and an identity theft report through the Federal Trade Commission.
Consumer complaint received 2023-08-24
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: EQUIFAX, INC. (AZ)

I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.
Consumer complaint received 2024-07-30
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. (GA)

according to the fair credit reporting act 15 usc 1681 section 602a states " there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. also fcra 605b says for the purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking, alco 15 usc 1666b-timing of payments says a creditor may not treat a payment on a credit card account under an open end late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered XXXX  days before the payment due date which I inform the credit reporting agencies I never received. also 15 usc 1637 requires disclosures by creditor before opening any account under an open end consumer credit plan, the conditions under which a finance charge may be imposed including the time period ( if any ) within which any credit extended may be repaid without incurring a finance charge. investigation failed to properly correct these erroneous reporting.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (ID)

I recently reviewed my credit reports from Experian, XXXX, and XXXX and discovered multiple incorrect items, including inaccurate personal identifiers. During the week of XX/XX/XXXX to XX/XX/XXXX, I contacted each agency to dispute these inaccuracies, providing them with my correct name and address. Despite my efforts, the CRAs refused to remove all the inaccurate information. 

This continued reporting of incorrect information poses a significant risk to my privacy and security. It increases the likelihood of personal mail being sent to the wrong address, thereby exposing me to potential identity theft and fraud. The failure of these agencies to correct these inaccuracies despite clear evidence constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that CRAs ensure the maximum possible accuracy of the information they report.
Consumer complaint received 2023-08-24
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: Experian Information Solutions Inc. (TX)

In review on XX/XX/2023 of my XXXX account number XXXX a late payment was reported for XX/XX/2023. This is incorrect. My account was not late. I spoke to a XXXX XXXX representative on XX/XX/2023 regarding my account was told payment I needed to pay {$60.00} by XX/XX/2023. I paid {$93.00} on XX/XX/2023. However, on XX/XX/2023 a late payment was reported on my credit reports, XXXX, Experian and XXXX. This account is not 30 days past due. Reviewing of the payment history is impossible to indicate my account is 30 days late. I called XXXX at XXXX regarding this issue and emailed them and was told their records state I am current and in good standing. I needed to call the credit reporting bureaus. I called the credit reporting bureaus, XXXX, Experian and XXXX and I was told to contact the merchant directly, in which I had already done.
Consumer complaint received 2024-06-05
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. (MS)

I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within XXXX days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.
Consumer complaint received 2024-06-06
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 disputing and investigating these wrong accounts on my credit file. I should get {$1000.00} for each mistake under the Fair Credit Report Act. FCRA 605B says we must report wrong accounts on a credit report.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I am formally address the persistent issue of an charge-off with incorrect balances on my credit report. This is my final attempt to have this inaccuracy corrected, as previous attempts have not resolved the issue. Despite providing thorough documentation and evidence to support the correction of this charge-off, it continues to inaccurately appear on my credit report with incorrect balances. This persistent error is severely impacting my financial standing and credibility, causing significant stress and inconvenience. With this, I request for an immediate deletion of these accounts that serves as inconvenience, stress, and potential financial harm caused by the continued presence of this incorrect charge-off on my credit report. If this issue is not resolved promptly, I will have no choice but to escalate this complaint further and seek legal recourse to protect my rights as a consumer. Please help me remove these following accounts immediately : XXXX XXXX  XXXX **** Balance Owed : {$11000.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX Balance Owed : {$29000.00} ; XXXX XXXX XXXX Balance Owed : {$6800.00}.
Consumer complaint received 2024-06-05
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)

I reviewed my consumer reports and noticed had i had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a 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 provided proof with statements showing that this account does not belong to me. I have attempted to have this them remove this account that is not mine and requested documentation proving that it belongs to me I requested this multiple times and i am yet to recieve any documentation or proof it belongs to me. They are required to have this removed and if the documents and response are within 30 days this has been over 3 months and still have conflicting information and have not provided proof this belongs to me. 

I am contacting a lawyer to represent me if this is not addressed and account is removed from my credit report for emotional distress and punitive damages due to not being able to purchase my home from this false account i never took out.
Consumer complaint received 2023-09-03
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. (AR)

15 U.S.C 1681 Section 602 A. States i have the right to privacy. 15 U.S.C 1681 Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not consumer in connection with the collection of any debt.
Consumer complaint received 2024-06-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (FL)

I visited the XXXX facility on Sunday, XX/XX/year>. My mother had found an XXXX ad of theirs for relatively cheap XXXX. Immediately during my consultation with a man named XXXX, he insisted that I do not need XXXX - rather a slew of lasers, injections, and fillers to be done over some time. As his face lit up, he exclaimed that he could do a before and after mother/daughter duo for {$120.00}. 
XXXX asked for my driver 's license and social security number, for what I assumed would be to input my information into their system for when we would come back for these future services. My daughter even gave him an old driving license with a previous last name before marriage and the wrong address. Upon further thought, as we were driving home, we both decided that perhaps this was not a good idea, and we should cancel. As soon as XXXX opened on Monday morning, I called the office to let them know that we would not be proceeding. At this point, the woman at the front desk stated that it was too late, but perhaps XXXX could refund half of the money. This is when I realized they had signed me up for a Care Credit card using an expired license with my incorrect last name and incorrect home address. Anything I signed that day was using pre-marriage last name. My daughter has also recently found out that they opened a SECOND credit card in her name with another bank, which she also has to claim identity theft for. It is very clear that this establishment is a scam, and that they use their clients personal information to collect money for no service. Per the Florida Attorney General, In Florida, if you contract for services to be rendered in the future continuingly, you are entitled to a three-day cooling-off period. 
At this point, I have no intention of ever going back to this establishment and am unsure How can they even claim to make me pay for something that I will never get? 
By the way, the guy who supposedly sold us, told me the next day that the owner told him '' Don't worry, this bank always stands with us and never refunds the money to the consumer.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AR)

I am writing to urgently request your immediate intervention in addressing a critical issue concerning fraudulent items on my credit report, despite multiple unsuccessful attempts to rectify the situation. The gravity of this matter requires prompt action to safeguard my financial standing and protect against further damage. Despite submitting disputes, the fraudulent items on my credit report persist, causing significant distress and compromising my ability to make informed financial decisions. Attached to this letter, you will find supporting documentation, such as police reports, identity theft affidavits, and any other relevant evidence, to substantiate my claim and facilitate an expedited resolution. I am well aware of the Fair Credit Reporting Act ( FCRA ) requirements for prompt investigations and removal. I request that all relevant creditors and parties involved be promptly notified of the fraudulent nature of these items and that necessary steps are taken to expedite their removal. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX  XXXX **** Balance Owed : {$11000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX Balance Owed : {$29000.00} XXXX XXXX XXXX XXXX Balance Owed : {$6800.00} ; XXXX XXXX XXXX Balance Owed : XXXX ; XXXX XX/XX/2023 .
Consumer complaint received 2024-06-05
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 lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-06-06
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 appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$94.00} XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX  XXXX Balance : {$0.00}