davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-30
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. (TN)

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 2024-04-30
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. (GA)

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 2024-06-07
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (NJ)

I received a late payment on my credit report. I called & spoke with multiple representatives who assured me i was not late. I made payments on time every month. This is the 3rd maybe 4th time now i have had a problem with Wells Fargo. I even just made my payment of {$330.00} & have another payment scheduled for the XXXX of XXXX. The amount of issues i have been having with WF is very stressful. This happened last month as well & they removed the late payment. Im not sure why i keep having a problem but i am extremely disappointed.
Consumer complaint received 2024-04-30
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. (CA)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-04-30
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-15
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 am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-04-30
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. (SD)

Revocation of Consent for Sharing Personal Information To Whom It XXXX Concern, I hope this letter finds you well. My name is XXXX XXXX and I am writing to you in regards to the sharing of my personal information by your respective agencies on my credit reports, as well as by XXXX XXXX XXXX. 
Firstly, I want to express my sincere appreciation for the responsibilities you uphold as consumer reporting agencies, as outlined in the Fair Credit Reporting Act. The XXXX rightly emphasizes the importance of fairness, impartiality, and respect for consumers ' privacy, principles that I deeply value. 
However, I am writing to assert my rights under the law to ensure that my private information is not shared without my explicit consent. As stated in the Fair Credit Reporting Act and the XXXX XXXX, it is my fundamental right to maintain the privacy and confidentiality of my personal information. 
While I understand the necessity of accurate reporting for financial institutions, I must emphasize that I have not provided, nor have I consented to the sharing of my information with Equifax, XXXX, XXXX, or XXXX XXXX XXXX Any previous consent, whether verbal, non-verbal, written, or implied, is hereby revoked. 
Furthermore, I want to highlight that I was never informed of my right to exercise my nondisclosure option by XXXX XXXX XXXX as required by law. This lack of transparency is concerning and undermines the trust I place in your institution. 
Moreover, I have noticed discrepancies in the information being reported, which raises concerns about the accuracy and integrity of your reporting procedures. It is imperative that consumer reporting agencies, like yours, follow reasonable procedures to ensure the accuracy of the information provided. 
Considering the above, I am formally requesting that you cease the sharing of my personal information with any third parties, as I have not provided consent for such actions. Additionally, I urge you to review and delete any inaccuracies in the information currently being reported. Thank you for your attention to this matter. I trust that you will handle my request with the utmost urgency and professionalism.
Consumer complaint received 2023-10-13
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (MN)

I have a credit collection agency that popped up for a {$52.00} debt from XXXX XXXX XXXX Im unsure why, as I havent had progressive for YEARS and I was never once contacted by anybody about any possible past debt nor was I EVER contacted by the collection agency. I was never given a wrote to dispute or an explanation of why or what for. If I didnt have an app to watch my credit I NEVER would have even known they were dragging my credit down.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

XXXX XXXX, XXXX : XX/XX/XXXX : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal mobile phone account opened at XXXX XXXX on XXXX, XXXX under the account number ( XXXX ) with a balance of ( {$3200.00} ). This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-04-29
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. (IL)

The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.
Consumer complaint received 2024-06-07
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Guild Holdings Company (GA)

Guild Mortgage has reinserted an inaccurate XXXX day late payment on my credit report after removing it in XX/XX/year>. It was removed after a direct dispute sent to Guild via certified mail. Recently, I received notification they have reinserted the inaccuracy on my credit report. The issue at hand is that Guild billed me twice for homeowner 's insurance. This caused my monthly payment to ballon. I contacted Guild to get everything sorted out and also made them aware that payments will continue to be made while things are sorted out. 

It is sad that they have reinsterted this accuracy that had been correctly removed in XXXX, to further adversely affect my wife and I 's credit.
Consumer complaint received 2024-09-06
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. (MS)

My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.
Consumer complaint received 2024-09-07
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)

I have noticed some inconsistencies and errors on my consumer report. I have disputed inaccurate information as well as hard inquiries and accounts that shouldn't be on a consumer report that have been used as determining information to assess my credibility without my consent, which has caused wrongful denial to credit. I do not recognize, have ever consent or agreed to, or have authorized any of the companies reporting on my consumer report to furnish, use, or transfer my personal consumer info. Please investigate these, and provide me documentation of the methods you used to get the info, the sources you got the info from, the methods of verification, and and the original agreements or authorizations used to report. Please investigate XXXX, Equifax< and XXXX and i noticed they are all reporting inconsistent and wrong information include different consumer scores and they are reporting that my scheduled payments are not reflecting my paid payments when i have made all my payment son time.
Consumer complaint received 2019-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DriveTime (FL)

I did not give your company permission to run my credit nor do you have any permissible purpose to run my credit. If you can not provide any signed documents of me giving authorization to perform this act please remove ALL inquiries from all credit bureaus youre reporting on my credit report immediately! Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to your alleged purpose for doing so since I did not apply for anything with your company. Theres no accounts tied to these inquiries on my credit profile.
Consumer complaint received 2024-09-07
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. (NC)

My credit Report contains many inaccurate information, including unknown accounts and charge offs. I do not understand how these 3 credit card accounts are being reported, I do not know these accounts, I do not acknowledge the debts. I ask for full validation according to Fair Credit Reporting act rules. I want a copy of the contract that I and the opposite party has signed wet ink signature. entering me into a bonding agreement to perform. I would like to asked that these accounts are deleted for lack of permissible purpose per 15 usc 1681b ss 604. A charge off accounts is defined by the I.R.S as gross income. Income can not and should not be reported on my credit report for everyone to see. that's a violation of privacy. 15 usc 1681 ss 602 ( ( a ) accuracy and fairness of credit reporting. ( 1 ) the banking system is dependent upon fair and accurate credit. ( 4 ) there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness. impartiality and a respect for the consumers right to privacy. I demand that my credit report be corrected and fixed. no credit card accounts should be on my report. please provide validation with my signature on it or delete delete delete. account # XXXX # XXXX and XXXX.
Consumer complaint received 2024-09-07
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)

There is information on my credit reports that I did not authorize or open up on XXXX, XXXX and Equifax. I received an alert that my identity was potentially compromised, and my social security number may be on the dark web. The Social Security Administration. When I finally got access to my credit reports, I found accounts on them that do not belong to me or have access to. I contacted the credit reporting agencies to challenge the validity of the accounts, and I have not received a response yet. It has been over 45 days now. There are multiple inquires on my credit reports, there are addresses that I have never lived at or can identify the location of, there are places of employment that I have never reported or worked at in my credit file. Also, there are home addresses that I have never lived at or used to apply for any credit. THE ACCOUNTS THAT ARE IN QUESTION DOES NOT HAVE MY CORRECT NAME ON IT. I contacted the credit reporting agencies on XX/XX/year>.
Consumer complaint received 2024-09-07
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. (MI)

On XX/XX/XXXX, while reviewing my credit report, I noticed several inaccuracies. As stipulated by the Fair Credit Reporting Act, consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information in a consumer report. However, the following accounts on my report are neither complete nor accurate. 

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 Additionally, I'd like to point out that under 15 USC 1681s-2, it is prohibited for any person to furnish information to a consumer reporting agency if they know or deliberately avoid knowing that the information is inaccurate. 

Please see the attached documents for further details.
Consumer complaint received 2024-08-19
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. (MI)

I am a victim of XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. 
XXXX XXXX XXXX XXXX XXXX 

Innovis XXXX XXXX XXXX XXXX XXXX, GA XXXX. 

Subject : Request for Name Change, Profile Merge, and Updated Credit Report Dear Sir/Madam , I am writing to request an update to my credit profile due to a recent legal name change. Please find my details below for your reference : Old Name : XXXX XXXX XXXX New Name : XXXX XXXX XXXX I kindly request the following actions be taken : 1. Update My Name : Please update my credit profile to reflect my new legal name.

2. Merge Credit Profiles : If there are separate credit profiles under my old name and new name, I request that they be merged into a single profile to ensure accuracy and continuity of my credit history. 

3. Request for New Credit Report : Following the updates, I would like to request a copy of my updated credit report to confirm that all changes have been accurately made.

For your reference, I have enclosed copies of the following documents to support my request : A copy of my legal name change document. 
A copy of my government-issued ID.

A copy of my government-issue Social Security Card .

Proof of address ( Most recent utility bill ).

Please confirm receipt of this letter and the actions taken at your earliest convenience. If you require any additional information or documentation, do not hesitate to contact me.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX.
Consumer complaint received 2024-06-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (GA)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-09-07
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)

The following investigations were done by all 3 bureaus and only XXXX has removed the specified accounts. All of these accounts are still listed with Equifax XXXX XXXX, if XXXX has removed them all why do these 2 bureaus still have them listed on my report. 

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 Including all inquiries that have been disputed as well
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A. (VA)

XXXX XXXX is asserting my rights and disputing my debts under Code 15 US 1681c-2 1681b 1692-g and 168152 shall remove any information in my file regarding the credit Act.I am requesting this removed immediately, because the information is negative and outdated according to the fair act, and i am requesting a charge off from debt on my credit report.

Accounts Affected by the Crime