davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-19
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)

Equifax Confirmation # XXXX - I received my Equifax consumer report, and Equifax is still reporting XXXX Bankruptcy court South Carolina. I did not give Equifax, or XXXX XXXX XXXX or any of its affiliates my written permission to report this public record/Bankruptcy on my Equifax consumer report. Equifax has not shown me any proof in writing where my permission was given. To this complaint, I have attached written proof that XXXX XXXX Bankruptcy courts does not report any records to any credit reporting agencies. Not only that, I have not given them my permission, but they are also violating my privacy according to privacy act of 1974. Equifax is violating the following, 15 U.S. Code 1681b - Permissible purposes of consumer reports.. ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Also, Equifax is stilling reporting XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX according to FCRA as a Federal protected consumer, Im electing to opt out of any & all authorization that I the consumer that may have given you, either in writing, unwritten or verbal or non-verbal per 15 USC 6802 & 16 CFR 313.7. This effectively immediately
Consumer complaint received 2023-11-06
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)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2024-08-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (AL)

I am writing to formally request the removal of several accounts and inquiries from my XXXX XXXX These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my XXXX XXXX, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my XXXX have resulted in negative remarks that are adversely affecting my XXXX XXXX and XXXX XXXX.
Consumer complaint received 2024-05-19
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. (NC)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-18
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. (PA)

I recently checked my credit report and the most updated information that is being recorded For the following account XXXX XXXX and account number XXXX is INACCURATE. According to 15 USC 1681s -2 ( f ) a person may not provide any information related to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is incorrect. My report states that on XXXX the account is CLOSED, Equifax as OPEN and XXXX CLOSED. 

Also the last activity showing on my report stated that XXXX recorded XXXX XXXX and on my EQUIFAX showing XX/XX/XXXX XXXX XX/XX/XXXX. 

Allow me to also mention my monthly payment on XXXX that reported {$0.00} EQUIFAX {$570.00} and XXXX {$0.00} The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy and fairness, I request immediate Deletion of this account from my credit report. Please provide me with a copy of my new credit report showing this account deleted upon completion. 

ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2024-07-26
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 writing to express my concern regarding the inaccuracies present in my credit report. Despite multiple attempts to address these disputed accounts, I have yet to see any resolution or corrective action. These errors are significantly damaging my credit file and adversely affecting my life. 

The inaccuracies in my credit report are causing immense hardships, and I am pleading for your immediate assistance in rectifying this situation. I kindly request a thorough investigation into each of these disputed accounts. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file, allowing me to regain control over my financial well-being. I urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-05-18
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. (CA)

I ensure that I always pay on time, and I'm certain of this fact. What I don't understand is why this company is reporting late payments for certain months. Per USC 1666b, billing errors need to be corrected, or they owe me {$1000.00} for each inaccurately reported account.
Consumer complaint received 2024-08-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (MI)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-05-27
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 appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be removed right away. 
XXXX XXXX
Consumer complaint received 2023-05-04
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: EQUIFAX, INC. (TX)

I mailed out letters to the credit bureaus requesting a verification of the items listed on my credit report. They responded saying that the information was accurate. 

After further investigation and thorough research I discovered improper inaccuracies on my credit report after their alleged verification. 

Accounts in question : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX XXXX Account # : XXXX- XXXX ( reporting the same debt twice with two different account numbers. ) XXXX XXXX XXXX Account # : XXXX ( Multiple inaccuracies found ) Reporting as : ( Original Creditor : ) Account # : XXXX ( Multiple inaccuracies found ) XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) Account # : XXXX ( Multiple inaccuracies found ) XXXX ( Original XXXX : XXXX XXXX XXXX  ) Account # : XXXX ( Multiple inaccuracies found ) XXXX XXXX Account # : XXXX ( Multiple inaccuracies found ) XXXX XXXX Account # : XXXX ( Multiple inaccuracies found ) In accordance with the Fair Credit Reporting act Convergent Accounts # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX have 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
Consumer complaint received 2024-09-02
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. (IL)

In accordance with the Fair Credit Reporting act. The List of inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I DID NOT APPLY FOR THESE ACCOUNTS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX all created a hard inquiry on XXXX XXXX. XXXX XXXX also pulled my credit XX/XX/XXXX and XX/XX/XXXX of XXXX. PLEASE REMOVE THESE INQUIRIES AT ONCE. These inquiries has directly has violated my rights. 


I looked at my Equifax credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: 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. (FL)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any Intormation In me tie or a consumer inarte consumer centres as Intormation that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM Equifax.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

In accordance with the fair credit reporting act the this account below Has violated my federally protected consumer rights to privacy and confidentially under under USC 1681 section 602 a. Account name US department of edu account number XXXX has violated my rights 15 USC 1681 section 602 a States I have the rights to privacy 15 USC section 609 a section 2 Also states a consumer reporting agency can not furnish a account With out my written instruction. 15 USC 168c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information other then records of conviction of crimes which antedates the report by more than seven years. 15 USC 1681 s-2 ( a ) ( 1 ) a A person shall not furnish any information relating to consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-09-04
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)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX account number : XXXX
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to inform you that I am a victim of identity theft. After recently reviewing my credit report, I discovered several accounts and inquiries that I did not open or authorize. I am requesting that these fraudulent entries be removed from my credit report immediately.
Consumer complaint received 2023-06-22
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: EQUIFAX, INC. (NY)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Removal of Incorrect Information from Credit Report To Whom It May Concern, I am writing to dispute and request the removal of inaccurate information from my credit report. Upon reviewing my credit report, I discovered several discrepancies, including incorrect names and addresses. 

Incorrect Name : XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX As a victim of identity theft in the past, I am deeply concerned about the presence of these inaccuracies on my credit report. I affirm that the name " XXXX XXXX XXXX '' and the addresses listed above are not associated with me. My correct name is XXXX XXXX XXXX XXXX, and my current address is XXXX XXXX XXXX, XXXX, GA XXXX. 

I am requesting that Equifax conduct a thorough investigation into these discrepancies and promptly remove the incorrect name and addresses from my credit report. These inaccuracies not only compromise the integrity of my credit profile but also have the potential to adversely impact my financial standing. 

Enclosed with this letter are copies of documents verifying my identity and current address, including a government-issued ID and a recent utility bill. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to ensure the accuracy and completeness of the information contained in my credit report. Therefore, I kindly request that Equifax take immediate action to rectify these errors. 

Please provide written confirmation once the incorrect information has been rectified and removed from my credit report. 

Thank you for your prompt attention to this matter. I anticipate a swift resolution. 

Sincerely, XXXX XXXX XXXX XXXX Enclosures : Copy of government-issued ID Copy of recent utility bill
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. (TX)

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

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 2024-05-18
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. (MO)

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 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My account with Equifax was never late! I have had exceptional payment history with 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 my 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 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.

Equifax 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 2024-06-08
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: ENOVA INTERNATIONAL, INC. (LA)

Net credit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These are inquiries on my credit report that didnt consent too. I would like them removed.
Consumer complaint received 2024-05-18
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)

I am against this algorithm XXXX XXXX. The scoring system does drastic things from XXXX day to the next, even though a person 's situation has improved it can wreck havoc across your credit report in a negative way. For example when the system on XXXX XXXX was implemented from XXXX to XXXX, my credit score dropped XXXX pts immediately without any explanation, and more recently this is my same complaint. I had a XXXX credit score across 2 bureaus, XXXX and Equifax, for over 8 months straight without change. I opened a chime checking acct and my score increased XXXX pts I opened a XXXX XXXX XXXX acct, and it climbed another XXXX pts. I thought this is great, I am finally on track to improving my score, also I connected that credit builder acct to XXXX XXXX to get added benefits. I then opted out, and sent in a police report to clear off one of the debts listed. So in less than 60 days, I opened a checking acct, credit builder acct-paid off some bills, removed one debt off the report, and opted out. All of these things were recommended by XXXX XXXX, I was awarded a higher score for about 13 days, and I was happy to be clearing these things up. XX/XX/XXXX I wake up to an email from XXXX XXXX saying that my credit score changed, my score had plummeted XXXX pts. across both bureaus and there was absolutely no reason for it. No negative changes can be seen on either end, mine, or the XXXX computers. They gave me some excuse about it being an algorithm out of their control and stated it doesn't matter what I do to try to increase my score, because it's all based on an algorithm. This algorithm is ruining my life and no one can tell me why or stop it. I also reached out to XXXX without any response. I have escalated this with XXXX, but I feel this is beyond their control, they are subject to this algorithm as well. I need help, this has to be affecting more people than just me. If a person CAN NOT affect change regarding their own credit score, then it seems like a trap that one can not remove themselves from. I'm like a rat in a trap who keeps struggling to get out but no matter what I do it's ineffective. I should be made available all of the information they are using to make determinations regarding my score which severely affects my life and the ability to live in society as others do, it is my information after all.