davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OK XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXXXXXX XXXX Balance : XXXX XXXX XXXX Balance : XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  Inquired on XXXX XXXX, XXXX
Consumer complaint received 2024-07-30
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. (SC)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-06-07
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. (NY)

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error. 

A FAIR RESOLUTION TO THIS TRAGIC INCIDENT WOULD BE FOR THE CREDIT REPORTING AGENCIES TO UPDATE THESE LATEPAYMENT ACCOUNTS FROM MY CONSUMER REPORT IMMEDIATELY.
Consumer complaint received 2024-05-29
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, CA XXXX XXXX XXXX PL XXXX, CA XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$310.00} XX/XX/XXXX CAF XXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$460.00} XX/XX/XXXX XXXX XXXX XXXX Balance : {$2600.00} XX/XX/XXXX XXXX XXXX XXXX Balance : {$760.00} XX/XX/XXXXXXXX XXXX  XXXX Balance : {$2900.00} XX/XX/XXXX XXXX XXXX Balance : {$450.00} XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. ()

This letter is a formal complaint that you are reporting inaccurate and fraudulent credit information on my credit report. I would like to inform you that I am a victim of Erroneous and Inaccurate Information on my Credit Report, which led to the posting of false information. The Fair Credit Reporting Act state that your failure to provide a Valid and Verifiable Proof obligates you to immediately REMOVE the UNVERIFIED and FRAUDULENT accounts listed. It has been longer than the 30 days since I sent my previous request for correction but you have clearly failed to take any actions.
Consumer complaint received 2024-07-30
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. (VA)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-29
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 wish to address my recent review of the credit report obtained from your bureau. Upon meticulous examination, I observed the presence of reported late payments on my accounts, which I contest as erroneous. I have undertaken the necessary measures to verify any delayed payments. I am pleased to inform you that other credit bureaus have already expunged these late payments from their records. I am perplexed by the discrepancy in reporting between your bureau and the others. So I'd like you to update and correct the status of the accounts stated below : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-05-29
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. (OK)

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 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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 in 60 days 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. XXXX XXXX XXXX  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 8
Consumer complaint received 2024-05-29
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)

I trust this message reaches you in good health. I am sending to follow up on the dispute notification I previously sent to you on XX/XX/2024, concerning specific items on my credit reports. Thank you for addressing this promptly. It has now been 40 days since my initial dispute letter, and I have yet to receive any updates or communications about the resolution of this issue. While I understand that the investigation process requires time, I am eager to know the current status and any progress that has been made regarding the concerns I raised in my earlier correspondence. Listed below are the items that need to be removed or deleted from my credit reports : XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$3800.00} XXXX XXXX XXXX XXXX Balance Owed : {$3600.00} XXXX : XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00} XXXX  XXXX XX/XX/2024
Consumer complaint received 2024-05-29
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. (CA)

On XX/XX/year>, I submitted a debt validation request through the CFPB, to XXXX XXXX XXXX, asking them to provide specific documentation to substantiate the debt they claim I owe them. As of today, XXXX XXXX XXXX has failed to provide the necessary documentation as required. The documentation requested included : 1. **A detailed history of payments** made by me on this account, including dates and amounts of each payment.

2. **A copy of the contract or agreement** that bears my signature, which legally obligates me to pay this debt to the original creditor.

3. Information on whether any **insurance claims have been filed** in relation to this debt, and if so, the details of such claims.

4. **Proof of their authority** to collect on this debt, including documentation that establishes the chain of title from the original creditor to their agency. 

XXXX XXXX XXXX only responded with a verification that the debt was owed to the original creditor, which is insufficient and does not meet the requirements of my request. As they have failed to provide the requested documentation, their claim is unverified and invalid. Consequently, this account should not be reflected on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute incomplete or inaccurate information. I am requesting that XXXX conduct an investigation into this matter and immediately remove the XXXX XXXX XXXX account from my credit report due to their failure to validate the debt as required by law.
Consumer complaint received 2023-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MT)

I was incarcerated in 2021 and that entire year a " friend '' XXXX XXXX, got control of my phone, thus online connection to my USAA bank account and got her self added to my account, she got a representativeto send her a signaturecard to be added as a user to my account. She stole over XXXX and the bank only reimbursed me for the money she took by swiping a debit card. Not reimbursing me for the multiple XXXX wire transfers or XXXX transfers. Your company should refund those transfers and XXXX as you allowed hee to gain complete access to my account with no questions. I've been a member for 20 years. I'm going to take you to court. I am going to spread this story across social media.
Consumer complaint received 2024-07-30
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. (AR)

I am writing to report an unauthorized account on my credit report, indicating potential identity theft. I have filed a police report and taken steps to protect myself. I have also attached copies of relevant documents, including my credit report highlighting the fraudulent account, as well as any other supporting evidence.
Consumer complaint received 2024-05-14
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. (NY)

I recently reviewed my credit and notice an account that was not reporting accurately. I had XXXX late payments on an account that was in fact paid on time. The consumer reporting agencies needs to report all information with complete accuracy. This account has not been late on payments, I've attached of my credit report to this complaint on the following dates ( XX/XX/scrub>/2024 ) I am now requesting you to investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

Upon reviewing my credit report earlier in the year, I noticed a few accounts that didn't belong to me. I've never applied for such things, and I have never given anyone my personal information. Who are these companies reporting? My personal information has been compromised. 

XXXX XXXX Acct # : XXXX, posted on XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX - posted on XX/XX/XXXX Acct # : XXXX, balance {$XXXX}
Consumer complaint received 2023-06-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (AL)

On XX/XX/XXXX, i was notified on this site that LVNV uploaded a statement that did not verify the debt they insinuated that I owed. I have called their company and submitted letters in writing demanding the contract I in fact had with their institution and as of today, have not had any proof stating the contract they have for me and the {$800.00} amount Per 31 U.S. Code 3123 ( b ), 50 U.S. Code 4331, Public Law 73-10/HJR192 of 1933, 18 U.S. Code 1341 use of mail, along with 45 CFR 30.2.

In closing I am holding LVNV accountable of not providing your organization proof of said debt with my wet signature and NO collection agency shall assume a debt on my behalf without proving and providing said wet signature contracts. And even still knowing they have no wet signature contract with MY information, under 15 U.S. Code 1681 ( b ), and lastly, 15 U.S. Code 1611
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (KS)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also, update the following account to reflect no late payments : - XXXX  # XXXX On XX/XX/XXXX, my credit score dropped unjustly from XXXX to XXXX. I have submitted multiple disputes and a revised XXXX Theft complaint. Despite my XXXX  years of diligent credit monitoring and expert legal assistance, I am experiencing discriminatory treatment from Equifax due to my status as a minority XXXX XXXX XXXX  This situation violates the Fair Credit Reporting Act ( FCRA ). 

Equifax 's investigation failed to address these issues adequately, dismissing my concerns and siding with creditors. This is unacceptable and violates my rights under the FCRA. Equifax 's bias towards paying creditors over consumers like myself is evident and infringes upon my rights to correct errors on my credit report. Immediate correction of these errors is mandatory. Please also confirm the accuracy of the XXXX accounts listed and leave these accounts open. 

Your prompt and decisive action on these matters is not only expected but required by law. 

Sincerely, XXXX XXXX XXXX XXXX Note : The FCRA 's statement-of-dispute provision does not mandate specific language or forms for consumers to request the addition of a dispute statement. The responsibility lies with the credit reporting agencies.
Consumer complaint received 2024-05-29
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)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the XXXX XXXX XXXX XXXX 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 these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-08-06
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. (FL)

Unfortunately, I am a victim of XXXX XXXX of Debt bondage. 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 2024-05-29
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)

Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to note these items were in dispute within 30 days now these items are in violation. 
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX  ) XXXX Balance Owed : {$1400.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$2500.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX OF ) XXXX Balance Owed : {$560.00}
Consumer complaint received 2024-08-22
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. (FL)

I was completely blindsided this morning when I saw incorrect accounts on my credit reportI have no idea how they got there. I check my credit report regularly, and suddenly, these mistakes appeared. I tried refreshing my browser, hoping it was just a tech issue, but nothing changed. The errors remained, and now XXXX really worried. XXXX asking that the documents I sent be thoroughly checked so I can stop worrying about this happening again.
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is my fifth attempt since credit burea 's still have failed to respond to my previous disputes. This company is in direct violation of the FCRA and my consumer rights. I will be seeking monetary damages for willfull noncompliance and negligence if this matter isn't resolved immediately. 

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 XXXXXXXX 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-29
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. (MD)

Under the Fair Credit Reporting Act, the accounts listed below have violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. XXXX XXXX Account XXXX XXXX, have violated my rights. Upon reviewing my XXXX, report on XX/XX/year>, I was deeply troubled to find that some information is incomplete and inaccurate. This has had a direct and negative impact on my financial standing, a situation that the Fair Credit Reporting Act is designed to prevent, as stated in 15 USC 1681 ( e ) ( b ). Additionally, according to 15 USC 1681, if information is found to be inaccurate or incomplete after any reinvestigation, the consumer reporting agency must promptly delete or modify that information based on the results of the reinvestigation and notify the furnisher of the information. Moreover, according to 15 USC 1681s-2, no information relating to a consumer should be furnished to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.