davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

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 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 2024-01-04
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. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Recently, I've conducted an investigation on my credit report and have come to encounter numerous discrepancies and inaccuracies.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

i tried to open a bank account with bank of america online, ( i am a XXXX XXXX XXXX XXXX XXXX ) and pass all the verifications but at the end it deny me a simple checking account for no reason. see attached. when i call them they cant confirm whats the reason. can you please help a XXXX person under ADA.
Consumer complaint received 2024-05-06
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. (NV)

I am submitting this request to prompt an investigation into the fraudulent inquiries listed on my credit reports. I urge the XXXX Credit Bureaus to initiate an investigation as stipulated by law. Listed below are the fraudulent inquiries that need examination and removal : XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; Birchwood/Lower, XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXXXXXX XXXX : {$410.00}
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX 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 XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-05-06
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: EQUIFAX, INC. (TX)

IN THIS COMPLAINT U WIIL OUT THAT ALL THREE CREDIT REPORT AGENCY REFUSING TO FIX THIS INFORMATION DATA BEACH OF TO CONSUMER ALL THREE CREDIT REPORT AGENCY ARE RESPONSIBLE FOR THERE ACTIONS FAIL TO PROTECT THESE TWO CONSUMER DATA INFORMATION ALL THREE CREDIT REPORT AGENCIES JUST MERGED BOTH PARTIES INFORMATION TO EACH OTHER CREDIT REPORT AGENCY THE OTHER COMPANY ALSO DATD BRECH MY CREDIT REPORT WITH NO AUTHORITY TO OPEN MY CREDIT REPORT THEY ALL IN DATA BEACH ME AND MY TWIN BROTHER HAVE TRY OVER AND OVER WITH ALL THE CREDIT REPORT AGENCIES THAT THIS IS MY TWIN BROTHER INFORMATION AND ACCOUNT WE BOTH SENT IN ALL DOCUMENTS IDENTITY EQUIFAX, XXXX AND XXXX SHOWING ID NUMBER DRIVE LICENSE SS NUMBER OF BOTH PARTIES WE HAVE BEEN DISPUTING THIS PROBLEM 2-3 MONTHS AND NO ACTION WAS NOT HANDLE AT ALL ALL THREE CREDIT REPORT AGENCIES FORCE THIS ON MY CREDIT REPORT AFTER ALL THIS THEY ARE SAYING THAT THEY THIS IS MY ACCOUNT I ALSO PUT IN SO MANY DISPUTE OVER AND OVER AGAIN I KEEP TELLING ALL THREE CREDIT REPORT AGENCY 'S XXXX XXXX  XXXX THEY ALL IN DATA BEACH OF PERSONAL INFORMATION XXXX XXXX  XXXX  PLACE AUTO MY TWIN BROTHER CALLED XXXX XXXX XXXX PLACE EXPLAING TO THEM ALSO HAD NO BUSINESS TO INFORMING MY TWIN BROTHER ABOUT MY NAME ACCOUNT OR ANY PERSONAL INFORMATION MY TWIN BROTHER WE HAVE THE FIRST 5 NUMBERS ARE A SAME BUT THE LAST FOUR NUMBERS ARE SO DIFFERENT XXXX ALL THREE CREDIT REPORT AGENCIES SHOULD HAVE DONE A FULL INVESTIGATION AND XXXX XXXX XXXX PLACE DID NOT FOLLOW PROTOCOL SPECIAL DEALING WITH TWO DIFFERENT PEOPLE PERSONAL INFORMATION WAS NOT HANDLED OR PROTECTED BOTH CONSUMER DATA INFORMATION IT IS SO RECKLESS ABOUT HANDLING TWO CONSUMER
Consumer complaint received 2023-09-03
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC (CA)

I was approved for a {$500.00} loan. So far I've paid XXXX. I went to their website and I almost fainted. Interest XXXX. I've emailed three times, no reply. Please advise.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I hope this message finds you well. I am writing to follow up once again regarding the unresolved issue of late open accounts on my credit report. Despite my previous attempts to rectify this matter, the inaccuracies persist, and I am growing increasingly concerned about their impact on my financial standing. 

I have followed your dispute resolution process diligently, expecting a timely resolution, but the lack of progress has left me frustrated and anxious about the potential consequences. 

I am reaching out once again in the hope that this matter will be addressed with the urgency it deserves. I kindly request a thorough investigation into the late open accounts on my credit report and immediate action to correct them. Additionally, I seek transparency regarding the specific steps taken during the investigation process and a detailed explanation for the repeated failure to address this issue. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX Balance Owed : {$3600.00} ; XXXX XXXX  XXXX Balance Owed : {$14000.00}.
Consumer complaint received 2024-05-06
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-05-06
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. (CA)

I am writing to you again regarding the fraudulent items that persist on my credit report despite multiple attempts to have them removed. This marks the fifth time I am reaching out to your organization in an effort to rectify this matter, and I am disappointed by the lack of progress thus far. Despite submitting disputes and providing supporting documentation on [ dates of previous attempts ], the items remain unresolved, tarnishing my credit history and causing undue stress. 

I am reaching out once again in the hope that this time, the matter will be given the attention it deserves. I kindly request a thorough investigation into the fraudulent items on my credit report and immediate action to remove them. Additionally, I seek transparency regarding the specific steps taken during the investigation process and a detailed explanation for the repeated failure to address this issue. The following items should be removed as soon as possible : XXXX XXXX XXXX  XXXX Balance Owed : {$20000.00} ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XX/XX/year>.
Consumer complaint received 2024-05-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Under XXXX XXXX Code XXXX - Block of information resulting from identity theft XXXX XXXX Notes prev | next XX/XX/XXXX Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later thanXX/XX/XXXX business days after the date of receipt by such agency of XX/XX/XXXX appropriate proof of the identity of the consumer ; XX/XX/XXXX a copy of an identity theft report ; XX/XX/XXXX the identification of such information by the consumer ; and XX/XX/XXXX a statement by the consumer that the information is not information relating to any transaction by the consumer. 

I have provided such documents to the credit Bureau and Equifax clearly did not investigate and responded the same day refusing to comply with the Law.
Consumer complaint received 2024-05-06
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. (TX)

I'm contacting you once more concerning a critical issue. Despite my previous alerts, my credit report still shows unauthorized inquiries due to identity theft. While you have eliminated some, additional ones persist and new ones have been recorded. It is legally required that you expunge all such inquiries. Thus, I request that XXXX, Equifax, and XXXX Credit Bureaus erase all illegitimate inquiries mentioned in my identity theft report. Below are the items I request to be removed : XXXX XX/XX/XXXX
Consumer complaint received 2024-05-06
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)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I am writing once again to dispute the accounts appearing on my credit report. As I mentioned previously, I have been a victim of identity theft, resulting in several fraudulent accounts being opened in my name without my knowledge. While the creditors have acknowledged these accounts as fraudulent and agreed to remove them from my credit report after I submitted the required FTC report, I have noticed that your bureau continues to report them, despite their approval. It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove these fraudulent accounts, you are not fulfilling this obligation and are exposing me to further harm. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NC)

I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to be remove from any affiliation with me immediately. 
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 Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$340.00} 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 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I've found that my credit report has XXXX information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or a immediate update of the following XXXX information on my credit report : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (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 2024-05-06
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. (OH)

have had this exact same collections account for a XXXX XXXX bill removed from my credit profile by disputing it and asking for documentation verifying my involvement with the original account as well as any other supporting documentation on three separate occasions with three other debt collections agency 's. Each time they removed this collection account off of my credit report and then I guess they simply sell it to the next debt collection agency. This is literally the only negative item on my credit report. I was recently denied housing because of it. This is unfair, unethical and a violation of my rights as a consumer. 

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692, XXXX XXXX XXXX XXXX. acct # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} DPT TREASURY XXXX Balance Owed : {$33000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-07-18
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. (TX)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-06
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. (TX)

I ensure my payments are always made on time. Yet, I'm baffled by the sporadic instances where this company reports late payments, contradicting my meticulous record-keeping. USC 1666b mandates swift correction of billing errors and accurate payment documentation.
Consumer complaint received 2024-05-06
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. (PA)

I was not aware of a collection on my reports and I sent a dispute to the consumer reporting agencies in order to get this information removed as I was not properly notified of said account. I sent the notice back in XXXX and I havent gotten any investigation results. The FCRA says that at maximum they have 45 days to conduct an investigation, however its been over 45 days since I sent my dispute