davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I have previously filed a complaint with Equifax through the CFPB, by mail, by phone, and via their official website. I have provided all the necessary documents to verify my identity numerous times in various formats. However, when I called Equifax today to check the status of my dispute, the representative, XXXX, informed me that they could not verify my identity and asked me to resubmit my documents. 

I explained to XXXX that I had already submitted all my documents through the CFPB, by mail, and on the official Equifax website, but the information still hasn't been updated in their system. She apologized and insisted that I send the documents again. When I requested to speak with a supervisor, she said none were available and reiterated that they couldn't assist me without verifying my identity. 

The call took place on XX/XX/2024, at XXXXXXXX XXXX EST, on XXXX ( XXXX ) XXXX. 

Additionally, I am experiencing an issue with my Equifax online account associated with the email " XXXX. '' I receive the following error message : " Please give us a call and give this code to the Agent : XXXX. Your Equifax credit report and score are not available at this time due to a technical error. Please call Customer Care at XXXX-EQUIFAX ( XXXX ). Our call center hours are XXXXXXXX XXXX to XXXXXXXX XXXX ( ET ), Monday through Friday, and XXXXXXXX XXXX to XXXXXXXX XXXX ( ET ) Saturday and Sunday. '' I am requesting Equifax one last time to update my documents, which I am resubmitting with this complaint, and to update my Equifax credit report as soon as possible. 

Other credit bureaus do not cause this many problems, so please do not cite security concerns as the reason for these issues. If security were a genuine priority, Equifax would not have so many inaccuracies in the first place. 

I also request an update on my hard inquiries dispute and ask for permissible purposes for them in writing.
Consumer complaint received 2024-05-31
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. (NY)

According to 15 use 1681eb Everything must be XXXX percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

In order to REMIND Equifax and XXXX Credit Bureaus that there has been no involvement from a third party, I am emailing them this complaint. My private or sensitive information can not be used by them to legally contact third parties for any reason. Fraud is defined as the absence of consent. The false information listed below is affecting my ability to build credit. I demand that Equifax and XXXX BUREAU MUST DO THEIR JOB PROPERLY and immediately remove of these fraudulent accounts. 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-31
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)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within XXXX business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-05-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AZ)

The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of XXXX, and I earnestly hope for a swift resolution.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, someone accessed my online accounts and these fraudulent accounts were opened. I already filed a Identity theft FTC report # XXXX which is attached. Please remove these fraudulent accounts off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did NOT authorize : 1. The following account is NOT MINE : CREDIT COLLECTION SERV Date opened : XX/XX/XXXX, account # XXXX XXXX. The following account is NOT MINE : XXXX XXXX XXXX XXXX, account # XXXX Date opened : XX/XX/XXXX Please remove it from my credit report. 3. The following account is NOT MINE : XXXX XXXX SOLUTIONS Date opened : XX/XX/XXXX. Please remove it from my credit report. 4. XXXX XXXX XXXX, XXXX opened : XX/XX/XXXX, account # XXXX. Please remove it from my credit report. 5. XXXX XXXX XXXX, XXXX opened XX/XX/XXXX, account # XXXX. Please remove all information resulting from Identity Theft pursuant to FCRA XXXX ( XXXX U.S.C. & XXXX XXXX ) which states that these accounts must be removed within XXXX Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. Sincerely, XXXX XXXX
Consumer complaint received 2024-05-31
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. (MS)

I am in disagreement with the account listed below, which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SHOWS BALANCE UPDATED ( {$740.00} ) FOR A CLOSED ACCOUNT ON XX/XX/XXXX. DATE OF FIRST DELINQUENCY BEING ILLEGALLY CHANGED AND DATED FOR XX/XX/XXXX. CREDITOR FAILED TO INDICATE IF OR WHEN THE ACCOUNT WAS SOLD. 

Equifax : [ XXXX XXXX XXXX XXXX  ] CREDITOR FAILED TO INDICATE IF OR WHEN THE ACCOUNT WAS SOLD. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ] SHOWS BALANCE UPDATED ( {$740.00} ) FOR A CLOSED ACCOUNT ON XX/XX/XXXX. DATE OF FIRST DELINQUENCY BEING ILLEGALLY CHANGED AND DATED FOR XX/XX/XXXX. CREDITOR FAILED TO INDICATE IF OR WHEN THE ACCOUNT WAS SOLD. 

In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Consumer complaint received 2024-05-31
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 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 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

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 has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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 is inaccurate.
Consumer complaint received 2024-05-31
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. (AL)

I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed.
Consumer complaint received 2024-05-31
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 found mistakes on my credit report, so I sent letters to XXXX, Equifax, and XXXX explaining the errors and listing the accounts involved. It's been more than 30 days, and they haven't replied. I'm attaching copies of the letters. According to the Fair Credit Reporting Act, my credit report must be completely accurate, but these accounts aren't meeting that standard, violating sections 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ).
Consumer complaint received 2024-05-31
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. (CO)

I was trying to buy a house I realized I had damages on my credit report according to the XXXX XXXX XXXX law there should be No damages on my report this has caused me hardship and is gross deformation to my character knowingly reporting inaccurate fraudulent information against me in efforts to destroy my character. Also the XXXX XXXX law has been violated against me concerning a bankruptcy
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

FAIR COLLECTIONS & OUTSOURCING ( FCO ) continues to report information that is incorrect. EQUIFAX 's report has incorrect information about this closed and forgiven account due to ID THEFT. The acct was reported as ID FRAUD/THEFT and was BLOCKED. It keeps reappearing XXXX and XXXX were reported to the IRS for FRAUD and misrepresentation. I was issued a 1099C and the acct is to be permanently removed and XXXX blocked.
Consumer complaint received 2024-05-31
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. (AZ)

It appears that my credit with you has been compromised. I was going through my records & noticed these items which were opened without my permission. Under section 605b of the FCRA you are required by law to remove these items which are found to be opened due to identity theft. The dispute items were opened without my authorization. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these items. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$5800.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX Balance Owed : {$7600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$13000.00} XXXX XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXXXX/XX/XXXX ===========XXXX XXXXXXXX XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$7600.00} XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$3000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$13000.00} XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX : {$3000.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$7600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$13000.00} XXXX XXXX Balance : {$1700.00} CREDENCE RM ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$130.00}
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

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 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 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 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. 16815-2 ( 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 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Do you know or have any idea how distressing it is when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively impacted both my credit score and my life, it is my literal lifeline during emergencies, and every paycheck is an emergency.
Consumer complaint received 2024-05-20
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I received mail on XX/XX/XXXX and XX/XX/XXXX coming from Capital One and one sent from XXXX XXXX on a date around the same time but do not recall when. The request for one of them which I opened mistakenly was for a student loan which was denied. It was sent to my address but for a completely different name of a person that does NOT live at my address and never did ( XXXX XXXX ). I know of ALL the residents living in my home for the last 60 years so I am confident this is someone trying to scam. There have never been renters in my home and the same for prior owners for the last 6 decades. I returned the mail back to USPS indicating to return to sender because the person does not live here. I have not been contacted by them but I have notified both XXXX XXXX and Capital One of this fraudulent activity. I am shocked to see another piece of mail coming to us for a second time from Capital One with this person 's name and would like to ensure this person is identified and stopped as well as these banks which continue to process these requests, which to my knowledge have all been denied. Both my husband and I have our credit frozen and will remain that way unless we are personally applying for something. We do not believe our identities have been stolen, but this person is using our address without permission for their own fraudulent attempts.
Consumer complaint received 2024-05-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alorica Inc. (NC)

I am writing to express my concern regarding an unresolved issue with my credit report. On XX/XX/year>, I sent a certified letter to SST containing to things within my credit report. The letter was sent via certified mail and was received by their office, as confirmed by the provided tracking information. 

I have also enclosed a copy of a letter I received from SST regarding the issue. 

Despite my request, I have not received the requested validation and demanding that the information be immediately deleted from my credit report. 

Thank you for your immediate attention to this matter.
Consumer complaint received 2024-05-14
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. (MI)

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Maximus Federal Services, Inc. (GA)

I was a part of the XXXXXXXX XXXX XXXX XXXX lawsuit and XXXX loans are still on my credit report. When I call the department XXXX XXXX, aidvantage and XXXX, nobody knows anything and I'm sick of it. According to the following : " XXXX will request that all major XXXX credit agencies remove any negative credit events on my credit report that XXXX reported from XX/XX/XXXX to XX/XX/XXXX in connection with accounts receivable and/or loans it issued to me or amounts I might owe to XXXX As long as I was in the settlement class, XXXX will request the XXXX issued loans or other money WILL BE DELETED from my credit report, '' XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, etc al.
Consumer complaint received 2024-05-17
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: GOLDMAN SACHS BANK USA (CA)

I opened a Marcus referred savings account using the referral link sent by another account holder. Marcus/Goldman Sachs did not apply the referral rate to my account or the other account. I chatted customer service XXXX days after opening the account and was told that it was only possible to fix this issue within XXXX  days of opening the account. I requested a call from someone who could help make this change. I was promised a call within XXXX hours. I received no call. I then called customer service and received the same statement and no support.