davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-12
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)

I am writing to address multiple alarming violations regarding my consumer credit report, which I believe entitle me to monetary compensation under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681s2. Specifically, I have identified unauthorized inquiries on my report which I did not initiate. These actions violate 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ), which governs the furnishing of consumer reports in connection with credit or insurance transactions not initiated by the consumer. 

Upon reviewing my consumer credit report, I identified the following unauthorized hard pull : XXXX  | XX/XX/XXXX XXXX  XXXX | XX/XX/XXXX As stipulated under Section 604 of the FCRA, a consumer reporting agency may furnish a consumer report in connection with credit or insurance transactions not initiated by the consumer only if : The consumer authorizes the agency to provide such a report. 
The transaction consists of a firm offer of credit or insurance. 
Additionally, FCRA 15 U.S.C. 1681b outlines the permissible purposes for obtaining consumer reports, which require explicit consumer consent. I have not provided any written consent for these inquiries, and I demand their immediate deletion from my credit report. 

Furthermore, I have experienced identity theft resulting in the unauthorized use of my Social Security number. This has been reported to the Federal Trade Commission, and an FTC Report is enclosed for your reference. According to 15 U.S.C. 1681c-2 ( c ) ( a ), you are required to block and remove all information resulting from identity theft within four business days upon receipt of a proper complaint. The specific unauthorized accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX Failure to comply with these regulations is a violation of : 15 U.S. Code 1681n ( b ) - Civil liability for willful non-compliance, with each violation incurring statutory damages of {$1000.00} or actual damages, whichever is greater. 
15 U.S. Code 1681o - Civil liability for negligent non-compliance. 
Additionally, your actions constitute : Defamation of character. 
Negligent enhancement of identity fraud. 
Multiple violations of the Fair Credit Reporting Act. 
Violation of privacy rights under 15 U.S. Code 1681a ( 4 ). 
To address these issues, I demand the immediate removal of the aforementioned unauthorized inquiries and accounts from my credit report. Enclosed, you will find the necessary information to facilitate this process. 

Should you have any questions or require further information, please contact me at the address provided above. I expect a prompt response and resolution to this matter. Failure to act accordingly will compel me to pursue legal action, seeking damages for each violation as allowed under the law. 

Thank you for your immediate attention to this matter.
Consumer complaint received 2024-06-14
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 am writing to address a matter of non-compliance with the Fair Credit Reporting Act ( FCRA ) Section 609 by the credit bureaus. I submitted a complaint to the credit bureaus regarding inaccuracies in my credit report, as per FCRA guidelines. According to the FCRA, the credit bureaus are legally obligated to respond within 30 days of submission. However, it has now been more than 30 days since my complaint was filed, and I have not received any response from the credit bureaus. As per FCRA rules, this failure to respond within the stipulated timeframe warrants the removal of the disputed negative items from my credit report. I kindly request that the credit bureaus address this issue promptly and take the necessary steps to rectify my credit report in accordance with FCRAregulations. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

XXXX XXXX XXXX XXXX  FRCA law states all information reporting to my credit should be 100 % accurate and true. Since 2023, I have been reaching out to the credit bureau asking them to removed the above account. ( XXXX XXXX ) This is not my account and I have no knowledge of this account. They are reporting false claims. 
I do not own any thing from XXXX this is not my account. PLEASE REMOVE
Consumer complaint received 2024-07-16
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. (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. ''
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX  Account Number : XXXX -- Inquiries -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN EXPRESS COMPANY (CA)

I applied for credit with American Express. The letter of denial stated that one of the reasons for denial was too many credit inquiries. American Express pulled my credit from XXXX. After checking my XXXX credit file, I noticed several inquiries that were either there by mistake or weren't authorized. The following are inquiries that were just repeat mistakes/errors : 1. AMEX  on XX/XX/XXXX 2. AMEX on XX/XX/XXXX 3. AMEX  on XX/XX/XXXX The only authorized AMEX inquiry was on XX/XX/XXXX. 

The next unauthorized inquiry was by XXXX XXXX XXXX on XXXXXX/XX/XXXX. Here, I was signed into my existing XXXX XXXX credit card account and a pop-up appeared offering me more credit with no harm to my credit file. I pressed the button, but recently realized that it now appears as a hard inquiry, not soft. This was specifically unauthorized. 

The next inquiry is one I simply don't even recognize and surely didn't authorize. 
It's labeled XXXX XXXX XXXX on my credit report. I don't even know what that is, hence it wasn't authorized. 

Lastly, XXXX on XX/XX/XXXX was not authorized. I have this credit card and I never asked for a credit increase. This seems to be a simple mistake. 

I pulled my XXXX file online and XXXX said I needed to call them to dispute inquiries. When I called XXXX on XX/XX/XXXX to dispute the inquiries, they refused to investigate and told me to call the credit company to dispute it with them directly. When I called AMEX, they told me to call XXXX because they are the credit reporting company and they need to remove it. When I called XXXX XXXX XXXX  they couldn't explain why I had an inquiry. When I called XXXX, I was transferred to several different departments and never got a resolution.
Consumer complaint received 2024-06-14
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 respectfully ask that you conduct a thorough investigation into this matter, acknowledge the error, and swiftly rectify it by removing the unauthorized inquiry from my credit report. Your immediate attention and resolution of this issue are greatly valued and appreciated.
Consumer complaint received 2023-04-27
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: LEXISNEXIS (MO)

I've asked LexisNexis to investigate inaccurate information that is reporting on my credit report. This information includes a bankruptcy, late payments, charged off accounts and erroneous information related to my name. I do not have mailing address history with the reporting errors, and have asked them to investigate and remove these errors from my report. Attached is information I sent to them via postal service, along with all pertinent identification. 

There is no legitimate reason for this company to reject my dispute letters. I have also attached screenshots directly from their website that clearly state their identification requirements, and this proves that I followed correct protocol. 

The bankruptcy, charged off accounts, and late payments being shown as mine by LexisNexis are reporting fraudulently, is not true, accurate, or legally verifiable and this violates XXXX standards.
Consumer complaint received 2019-07-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (MO)

On XX/XX/19, I signed up for a free trial of a XXXX XXXX   service. The service required pre-authorization for future months, so I authorized via PayPal. Immediately, the PayPal app authorized a debit of {$19.00}. I then contacted PayPal thru their online support and reported an unauthorized debit. In minutes, my claim was denied. I tried to dispute the charge twice more, and each time my dispute was rejected with no clear explanation. 

Finally I contacted the XXXX XXXX service, and that service issued a refund with XXXX minutes. 

XXXX days later, PayPal removed {$19.00} from my account, and is now holding the refund for the usual " XXXX business days ''. 

This is the second such time PayPal ignored refund requests from the vendor and me and held funds from my account for a period of days.
Consumer complaint received 2019-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

To whom it may concern, We have a VA loan with XXXX XXXX services. In XXXX we knew we would have difficulties paying the monthly payment in full. We called XXXX to let them know it would be late. They recommended we do a loan modification. After lots of questions, we agreed. We were told to take XXXX and XXXX and not pay the mortgage while the reviewed and prepared for our 3 trial payments ( XXXX, XXXX, XXXX ). We were told all of it would be reported to the credit bureau as a part of the loan modification process and be grayed out, not impacting it negatively. 

However, when we went to get a new home loan we say that XXXX were included but not XXXX. Therefore, XXXX displayed a 90+ day late amount. As a military family moving to a rural area with limited rental options, we panicked and called the company to resolve the issue. 

We were informed they wouldn't fix it as nothing was misreported. So we submitted a complaint to the XXXX which finally got them to call us and investigate. We were sure after listening to the recording that they would amend the issue and include XXXX in the process, as we were told, and XXXX would be corrected ( as we DID make the payment that month ). However, the young lady investigating informed us she found no evidence of anything being said in the recording. We asked if we could simply be given a one time courtesy forgiveness and change. We were told they be we do that under any circumstances ( which we know to be false ). 

After more discussion, we contacted her directly and requested the transcript from the conversation to review and see if we could locate where we were told to not make XXXX/XXXX payments. However, despite several attempts to reach her, the XXXX XXXX representative has refused to return our calls. 

We firmly stand by the fact we were told to take XXXX and XXXX to not make payments. Had we known we needed to make them, we would have. While they included XXXX they still refuse to amend this to include XXXX.
Consumer complaint received 2024-06-12
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. (TX)

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 2024-06-12
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 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 2024-06-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.
Consumer complaint received 2024-06-14
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 am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-06-14
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 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 2024-06-14
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)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-06-12
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 account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : 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 an account without my written instructions.

15 U.S.C. 1681 C ( a ) ( 5 ). Section states no consumer reporting agency may take 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 2024-06-12
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. (TX)

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 30 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 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

My account with XXXX  XXXX, XXXX was never late! I have had exceptional payment history with XXXX XXXX, XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as 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 to the consumer not later than 21 days before the payment due date. 


XXXX XXXX, XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-14
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)

" 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 "