davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-11
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. (IN)

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 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 informationisinaccurate.
Consumer complaint received 2024-05-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

My payments are always made promptly, of that I am certain. What puzzles me is the occasional late reporting from this company, which shouldn't be the case. Per USC 1666b, any billing error must be rectified promptly and updated to reflect payment as agreed.
Consumer complaint received 2024-05-11
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. (NJ)

MY CREDIT PROFILE IS INACCURATE WHICH IS NOT FAIR TO ME. PLAESE INVESTIGATE THIS AND FIX IT. IM REALLY SICK AND TIRED OF THESE XXXX. SHOULD THERE BE ANY UPDATES ON MY INQUIRIES. IM GON NA GO TO COURT.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

It's a requirement under FCRA 605B to eliminate any inaccurate accounts from my credit report. These accounts are incorrectly reported. I'm owed {$1000.00} for every incorrect entry on my credit file.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

According to FCRA 605B, we must eliminate any erroneous accounts from my credit report. These accounts are inaccurately reported. Compensation of {$1000.00} is due for each incorrect entry on my credit file.
Consumer complaint received 2024-05-11
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. (AR)

XXXX XXXX XXXX XXXX is reporting a debt on my credit report that does not exist. I have requested validation of debt, including a signed contract/lease for the debt from XX/XX/XXXX - XX/XX/XXXX. I do not owe a debt. I did not have a contract or lease. I have requested this information from the Links and they have failed to provide because it does not exist. The Links sent fraudulent debt to Fair Collections and Outsource and they have not provided validation of debt. I would like the contract between The Links and Fair Collections and Outsource and the financial information as to how much this alleged debt was purchased from by Fair Collections and Outsource from the Links. Please provide audit trail and all contracts/leases. Please provide all agencies ( credit and financial ) that this information has been provided to.
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: NAVY FEDERAL CREDIT UNION (FL)

Dear Navy Federal Credit Union Customer Service, I am writing to formally dispute the reporting of late payments on the following Navy Federal Credit Union accounts : 1. **Account Number : ** XXXX - **Dates of Late Payments : ** XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX 2. **Account Number : ** XXXX - **Dates of Late Payments : ** XXXX XX/XX/XXXX I believe this information is inaccurate and is causing substantial harm to my creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to report accurate information to the credit bureaus. By continuing to report these late payments, you are in violation of the following FCRA provisions : 1. ** 1681s-2 ( a ) ( 1 ) ( A ) ** Duty of furnishers of information to provide accurate information. 
2. ** 1681i ( a ) ** Procedure in case of disputed accuracy.

The continued reporting of these inaccuracies has significantly damaged my credit score, affecting my ability to secure loans and resulting in financial loss. If these errors are not corrected, I will have no choice but to seek legal recourse.
Consumer complaint received 2024-06-19
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-05-11
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. (CA)

This letter serves as a formal notice that the credit bureau has failed to resolve my dispute or make contact with me within the stipulated 30-day period following the receipt of my initial letter.

One of the fundamental rights outlined in the Fair Credit Reporting Act mandates that a credit reporting agency MUST update or delete inaccurate information. The Credit Reporting agency has been granted thirty days to investigate this claim. Under the FCRA, it is obligatory that my dispute be resolved within this timeframe. 

I am hereby requesting that my dispute be addressed immediately and that the following inaccurate items from my original request be updated : INACCURATE NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-01
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. (LA)

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 2024-05-22
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. (PA)

FRAUDULENT ACCOUNT & INACCURATE INFORMATION 1. Truth in Lending Act ( XXXX ) Purpose : TILA is designed to promote the informed use of consumer credit by requiring disclosures about terms and costs. 
Violations : Failure to provide clear and accurate information about loan terms, including any arbitration clauses, can constitute a violation of XXXX. 
Enforcement : The Consumer Financial Protection Bureau ( CFPB ) enforces TILA, and consumers can also seek damages for violations. 

2. Unfair and Deceptive Acts and Practices ( UDAP ) Laws Purpose : These state laws prohibit businesses from engaging in unfair or deceptive acts or practices. 
Violations : Misrepresenting the terms of a loan agreement, hiding critical clauses, or failing to inform consumers of their rights can be considered deceptive practices. 
Enforcement : State Attorneys General and consumer protection agencies typically enforce UDAP laws. Consumers may also be able to bring private lawsuits under these statutes.

3. Federal Trade Commission Act ( FTC Act ) Purpose : The FTC Act prohibits unfair or deceptive acts or practices in commerce.

Violations : Misleading consumers about the terms of a loan agreement or failing to disclose important information like arbitration clauses can be seen as deceptive practices under the FTC Act.

Enforcement : The Federal Trade Commission ( FTC ) enforces this act, and consumers can file complaints with the FTC.

4. Fair Credit Reporting Act ( FCRA ) Purpose : The FCRA promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies.

Violations : If the failure to disclose the arbitration clause leads to incorrect or fraudulent information being reported to consumer reporting agencies, this can be a violation of the FCRA.

Enforcement : The FTC and CFPB enforce the FCRA, and consumers have the right to dispute inaccurate information and seek damages for violations.

5. Contract Law Principles Misrepresentation : Under contract law, a contract can be voided if one party misrepresents a material fact that the other party relies on when entering into the contract.

Unconscionability : If a contract or clause is extremely unfair or oppressive to one party, it may be deemed unconscionable and unenforceable.

Failure of Consideration : If a party does not receive the agreed-upon terms or benefits of the contract, they may claim the contract is void due to failure of consideration.

Legal Actions and Remedies : Damages : Consumers can seek monetary compensation for any actual damages incurred due to the fraud or misrepresentation.

Rescission : Consumers may be able to rescind ( cancel ) the contract if it was entered into based on fraud or misrepresentation.

Corrective Actions : Regulatory bodies can impose fines, require corrective measures, or take other enforcement actions against the offending companies.
Consumer complaint received 2024-05-11
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)

Dear Equifax Information Services LLC, Request for Deletion of Files and Correction of Credit Report I am writing to request the deletion of certain files and the correction of my credit report pertaining to an account that has been deleted. According to the guidelines outlined by the Consumer Financial Protection Bureau ( CFPB ), I am entitled to accurate and up-to-date information on my credit report. 

Upon reviewing my credit report, I have noticed discrepancies regarding the status of an account. It appears that an account has been erroneously marked as active, despite being deleted. This misinformation has adversely affected my credit score and financial standing. 

I kindly request Equifax Information Services LLC to take the necessary steps to delete ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) files concerning these accounts from your database immediately. Additionally, I urge you to correct my credit report promptly to reflect the accurate status of the deleted accounts. 

Enclosed with this letter are supporting documents, including proof of the account deletion and any relevant correspondence with other credit reporting agencies. I trust that this information will assist you in expediting the resolution of this matter. 

As per the regulations outlined by the CFPB, I expect Equifax Information Services LLC to acknowledge receipt of this request within 30 days and to complete the investigation within 90 days. 

Please confirm in writing once the deletion of files has been completed and the necessary corrections have been made to my credit report. Your prompt attention to this matter is greatly appreciated. 

Thank you for your cooperation and understanding in resolving this issue. I look forward to receiving confirmation of the requested actions at your earliest convenience.
Consumer complaint received 2024-07-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: OneMain Finance Corporation (TX)

OneMain is a company that provides services in XXXX different industries- in this case a loan agency and a XXXX XXXX XXXXs agency. I had XXXX separate balance transfer checks from XXXX different banks - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent to " OneMain ''. When I looked up the address online to send the checks to I did not know that there were XXXX separate agencies and the balance transfer checks went to the solar panel agency instead of the loan agency. 

The XXXX XXXX XXXX check was issued on XX/XX/year> and deposited by by the OneMain solar panel agency on XX/XX/year>, in the amount of {$6000.00}. The check number is XXXX, and included my account number with the OneMain loan agency. When I called and spoke to the solar panel agency and explained the situation they attempted to look up my account and then told me that they do not have an account for me and that I would need to work with my bank. There are XXXX problems here - XXXX, how was this check even deposited by the incorrect agency in the first place when I have no account for them to apply it to? XXXX, I have both my bank and the solar panel agency telling me that they can't do anything and that I need to work with the other. I am at a complete impasse. 

The XXXX XXXX XXXX XXXX XXXX check was issued on XX/XX/year> in the amount of {$5600.00}. I am in the exact same situation with XXXX XXXX that I am in with XXXX XXXX XXXX. 

Now I have an extra {$11000.00} amount of credit card debt that I can not repay because all of these companies/banks refuse to work with me. How is this not fraud that the OneMain solar panel agency deposited checks to referencing an account that does not exist? All the while interest is accruing on both credit cards and the OneMain loan.
Consumer complaint received 2023-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (TX)

Elan 's website has to be reset every time I try to access my account. I have spoken with Customer support and Tech support each for the last 2 months and I am still unable to create or pay my account. Please help, either their system or mine is hacked.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

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 XXXX XXXX XXXXhelpmeoutby finding a way to check if my XXXX 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 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (KY)

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 three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2019-03-17
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: CITIBANK, N.A. (CT)

REF. XXXX  Card Number XXXX Dear Sir or Madam : In early XX/XX/XXXX, I reached out to XXXX XXXX XXXX by phone to address some mistakes/concerns in my credit report. 

The report showed 3 late payments : XX/XX/2015 30 days XX/XX/2015 60 days XX/XX/2015 30 days The responsibility for these late payments are entirely on XXXX XXXX XXXX. 

At that time, I paid my XXXX bill on line through their website. In XX/XX/2015 the XXXX website managed by XXXX XXXX XXXX locked me out and prevented me from paying my bill. I could login, see my bill but could take no action. 

I made constant and repeatedly frustrating attempts to speak to their customer service department and resolve the issues and pay my bill, all without success. 
It wasn't until a customer services rep called me to ask about payment that I was able to get the situation resolved, at this point the bill was 60 days late. 

The bill was immediately paid, I was driving at the time and pulled of the highway to deal with the call, the rep got my web account fixed AND we set up an automatic reoccurring minimum payment to prevent any future late payments. 

Unfortunately, the automatic reoccurring minimum payment only worked for 2 months and then failed. I received another call from a customer service rep after the XX/XX/2015 payment went late, which I was unaware of, after all it had worked for the previous 2 months. 

I immediately paid the outstanding bill, and the Customer service rep found the account notes and fixed automatic reoccurring minimum payment issue. There has not been a late payment since then.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of XXXX XXXX. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2024-05-12
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. (VA)

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 XXXX XXXX finding a way to check if my XXXX 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 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

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 XXXX XXXX finding a way to check if my XXXX 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 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am a victim of XXXX. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of XXXX. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.