davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-09
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: HEARTLAND PAYMENT SYSTEMS INC (PR)

Since XXXX 2019 I've been trying to fix this problem. I have a student loan from XXXX University, administered by Heartland ECSI. My loan and payments showed in my XXXX credit report. I disputed to XXXX  the payment history information and balances as it was incomplete and inaccurate. The dispute was submitted successfully. In less than 12 hours, XXXX  responded saying " they deleted the account from my credit report ''. This has caused me serious problems : ( 1 ) I've not been able to fix it, even though Hartland ECSI confirms they have been reporting my payments to XXXX  on a monthly basis ; ( 2 ) XXXX  says they can not add the account back, even though they deleted the account without my request ; ( 3 ) My credit has been significantly affected as it plunged my credit history to the floor, thus lowering my credit score SIGNIFICANTLY. I have evidence showing ( 1 ) the  account exists, it is mine and it was in my XXXX  report. ( 2 )  Hartland ECSI has evidence of reporting my information to XXXX, and ( 3 ) that the account has been deleted and never restored since XX/XX/2019. 

I really need this to get solved. It has negatively affected me, lowering my score and limiting my credit options.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Date of inquiry : XXXX XXXX XXXX  Date of inquiry : XXXX XXXX Date of inquiry : XXXX  XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX  Date of inquiry : XXXX XXXX   Date of inquiry : XXXXXXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX   Date of inquiry : XXXX XXXX XXXX   Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2024-05-12
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. (LA)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my Federally Protected Consumer Rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX Acct XXXX XXXX XXXX & XXXX, XXXX XXXX  Acct # XXXXXXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX  XXXX Acct # XXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

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

15 USC 1681 Section 604 ( A ) Section 2 states a consumer reporting agency can not furnish accounts without my written instructions.

15 USC 1681c Section ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information including any other adverse item of information other than records of convictions of crimes which antedates the report by seven years.

15 USC 1681s-2 ( A ) ( 1 ) states a person shall not furnish information related to a consumer to any consumer reporting agency if the person knows or have reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IA)

I am filing a complaint regarding identity theft, resulting in unauthorized accounts, inquiries, and addresses on my credit report. Despite my efforts, XXXX, Equifax, and XXXX have failed to address these inaccuracies. 

Fraudulent accounts include 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 XXXX 

Fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These actions violate FCRA, FDCPA, 15 USC 1666b, and Colorado state laws. Please ensure these agencies correct my credit report.
Consumer complaint received 2024-05-12
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. (PR)

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 2023-04-27
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. (IL)

I have reached out to XXXX, XXXX, and experian regarding my concerns about all the information on my credit report that is inconsistent and not 100 % accurate in compliance with the fair credit reporting act. The following accounts above have inconsistencies that need to be deleted immediately. In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX date of last activity is inconsistent.XXXX XXXX  XXXX. Date reported not consistent. XXXX XXXXXXXX date last active is incorrect please remove. XXXX XXXX XXXX XXXX high balance inconsistent. Remove. XXXX XXXX XXXX. XXXX. The account numbers are not consistent. XXXX XXXX date of last activity the dates are not same on all reportsXXXX XXXX XXXX  balance owed is different on all the reports. XXXX XXXX XXXXXXXX. High balance is inconsistent. XXXX XXXX XXXX high balance is different. XXXX XXXX XXXXXXXX date reported is not accurate. XXXX XXXX hight is not accurate on all reports.XXXX XXXX XXXXXXXX date reported is inconsistent. XXXX XXXX XXXX high balance is inconsistent. XXXX XXXX XXXX high balance is inconsistentXXXX XXXX XXXXXXXX XXXX XXXX last verified dates are inconsistent. XXXX self-reported XXXX date reported the dates are inconsistent. XXXX XXXX XXXX XXXX high balance is not 100 accurate. XXXX XXXX XXXX high balance is inconsistent XXXX XXXX XXXX date opened is not is wrong. XXXX XXXX last verified is inconsistent. XXXX self-reported XXXX. Account number inconsistent. XXXX self-reported XXXX the account number is inconsistent on all reports. XXXX XXXX XXXX high balance is inconsistent. XXXX XXXX XXXX account number is inconsistent. Hight balance is not accurate.XXXX XXXX XXXX XXXX reference number is incorrect and other information is not correct and contacted the court and they dont report the credit agency. I did not give permission. XXXX XXXX XXXX  closing date and other information on report is incorrect and inconsistent please delete. XXXX XXXX bankruptcy all information is inconsistent and not 100 percent accurate according to the fair credit reporting act. Please remove. 15 u.s.c 1681 section 602 a states I have the right to privacy.

15u.s.c 1681 section 604 a also states a consumer reporting agency can not furnish a account without my written consent. Please remove all inaccurate information
Consumer complaint received 2024-05-18
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. (CO)

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 information is inaccurate.
Consumer complaint received 2024-05-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I tried everything in my power to contact Bank Of America verifying the debt and paying off any amount of owed if so. They can not find the debt under my SSN. They can not even verify me as a customer. I can not reach anyone to pay of their debt after numerous attempts. 
I want this removed asap since I tried everything in my power to get this removed but no response from no one to work with me on this.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OHIO XXXX XXXX, EXPERIAN AND XXXX XXXX DEPARTMENT RE : XXXX XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. XXXX. XXXX XXXX {$250.00}, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and hard inquiries XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, should redact information that is unrelated to the dispute with this company. Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 
The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.

Please investigate this matter, close the account take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. 
PERSONAL ADDRESS ARE INCORRECT ON MY ACCOUNT PLEASE REMOVE Sincerely, XXXX XXXX Enclosures : [ List what you are enclosing ] Identity Theft Report Copy of Credit Report please remove all address, unknow theif used different address to open credit in my name XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2024-05-12
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. (IL)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days that I filed a 30 day demand to comply with the credit bureaus, and still have yet to receive a response.
Consumer complaint received 2023-04-26
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CT)

Experian Information Solutions XXXX XXXX XXXX XXXX TX XXXX Dear, XXXX XXXX I am writing to dispute the accuracy of my credit report, which I obtained from your agency on XXXX XXXX. I have identified several violations of my rights under the Fair Credit Reporting Act, including violations of 15 USC 1666b, 15 U.S. Code 1666, and 15 USC 1681b, which I would like to bring to your attention. 

Specifically, Experian has treated payments on my credit card account as late, even though I made the payments on time. This violates my right to have accurate information on my credit report, as guaranteed by the Fair Credit Reporting Act and 15 USC 1666b. Additionally, Experian has failed to correct billing errors on my account, in violation of 15 U.S. Code 1666. 

Furthermore, Experian has accessed my credit report without a permissible purpose, in violation of 15 USC 1681b. According to this law, a credit reporting agency may only provide a credit report to someone who has a permissible purpose, such as a creditor or employer who is considering extending credit or offering employment. However, Experian accessed my credit report without a permissible purpose, which violates my right to privacy and my right to control who has access to my credit report. 

These violations have caused me significant financial and emotional distress. As a result of these inaccurate late payment reports and billing errors, my credit score has been negatively impacted, and I have been denied credit and other financial opportunities. For example, I was recently denied a loan for bad credit debt, late payments, over utilization of accounts that are not even mine. 

Additionally, the unauthorized access to my credit report by Experian, XXXX XXXX, XXXX XXXX, XXXX XXXX  and XXXX XXXX XXXX, has caused me to worry about identity theft and other forms of financial harm. 

I am requesting that you delete all derogatory accounts, tradelines and lines of credit, update all late payments to current. Rid my file of all these violations and correct any errors on my credit report immediately! DO NOT SEND ME ITEMIZED DEBT ITEMS AND PASS IT OFF AS DEBT VALIDATION REMOVE ALL LATE PAYMENTS, XXXX OUT ALL BALANCES, DELETE ALL COLLECTIONS ADRESSES, AND DELETE PERSONAL INFORMATION FROM SERVERS, A.I technology, backup servers, computer monitor / hardware and software alike.

I am also requesting that you provide me with a updated free copy of my credit report, as guaranteed by the Fair Credit Reporting Act.

Also see attached invoice for damages.

Thank you for your attention to this matter. 

The natural man, XXXX XXXX Without prejudice
Consumer complaint received 2024-05-12
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. (SC)

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : Bank XXXX XXXX Account number : # XXXX and # XXXX Balance : {$2200.00} Date opened : XX/XX/XXXX Account name : XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Account name : XXXX CARD Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX  XXXX of inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Account name : XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX Date of inquiry : XX/XX/XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-27
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: Experian Information Solutions Inc. (TX)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2024-06-28
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. (NJ)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX
Consumer complaint received 2023-07-01
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: SinglePoint GI (TX)

The company General Revenue Corp is inaccurately reporting `a balance/collection of {$3500.00} under my name that is not accurate! I never received any funds from them and they in fact received money from the government, in which they did not return to them after receiving them! I have contacted this company over and over again and even sent them police reports and other supporting documents and requested this be taken off of my credit report and my name. They still choose to report this inaccurate account on my credit report, which is affecting my life! This needs to be deleted from my name and my credit profile immediately. This is causing me stress and other issues. 

General Revenue Corp said that they received this information from XXXX XXXX XXXX and just reported it without any verification or anything! I never signed any documents with neither institution!
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. (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 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 :