davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AK)

The entire history of my reports show one account reporting adverse information to all three Credit Agencies of a 30-day late payment in XXXX of XXXX to XXXX XXXX XXXX I have sent letters from XXXX XXXX to all three agencies and phoned XXXX XXXX about this matter and despite being continuously told that it is resolved, the late payment still tends to reappear and reflect on my report, now on all three bureaus. In the fall of XXXX, a medical day spa merchant had a system error wherein they somehow accidentally recharged their consumers for the tip portion of their service payments - months after the service had occurred. I was unaware of the charge believing myself to have a XXXX balance on a card I rarely used. XXXX XXXX  XXXX emailed apologies to their customers and refunded the charges to their customers. XXXX XXXX agreed to remove the 30-day late as it was a result of the vendor error and mailed me a letter agreeing to such. I in turn mailed copies of this letter to each agency, but it continues to resurface on my credit reporting, now 5 years later.
Consumer complaint received 2024-06-22
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. (CA)

I reviewed my Consumer Reports and noticed that It is reflecting a balance. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy I do not owe a balance to this company. ( XXXX XXXX XXXXXXXX ) Please investigate and provide Proof with statements showing that the balance was never paid.. If proof can't be provided I demand this account be updated to reflect current and paid, or removed from my credit report.
Consumer complaint received 2024-05-21
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)

Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments. There should be no late payments on this account.

Instructions : Validate/inaccurate reported late payments.
Consumer complaint received 2024-05-21
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. (FL)

I am writing to address the inaccuracies in my credit report, in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ). This will mark my third attempt to have the following items removed, as I have identified several discrepancies that need to be rectified.

The first issue pertains to three accounts from XXXX XXXX that are inaccurately listed under XXXX account number ( XXXX ). Despite being XXXX auto loans and XXXX credit card, they are erroneously grouped together. Furthermore, these accounts were sold to a collection agency ( XXXX XXXX  ) in XX/XX/XXXX, resulting in different balances being reported. Despite my request for validation of this debt in XX/XX/XXXX, I have yet to receive any response or validation from XXXX XXXX. 

In addition to the aforementioned discrepancies, I also want to address the 18 inquiries on my credit report that were erroneously placed without my consent. Despite explicitly requesting that my credit not be pulled, a car dealership initiated these inquiries after I provided them with my credit report. The dealership subsequently acknowledged their error and sent letters to the credit bureaus requesting the removal of these inquiries. I have enclosed copies of these letters for your reference.

I am attaching copies of my Driver 's License, Social Security Card, the letters sent to XXXX XXXX and the credit bureaus, as well as my formal last letter detailing the discrepancies on my report and referencing the applicable laws.

I urge you to investigate these discrepancies promptly and take the necessary actions to ensure the accuracy and integrity of my credit report. Your cooperation in resolving these matters is greatly appreciated. 

Thank you for your attention to this important issue. I look forward to your prompt response.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Despite three written requests, the unverified items still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly. You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. In Accordance with the Fair Credit Reporting Act these Creditors have Violated my rights under Title 15 U.S.C 1681 602 States I have Right to Privacy Title 15 U.S.C Section 604 ( a ) Section 2, it also States a Consumer Reporting Agency can not Furnish an Account without my Written Instructions Under Title 15 U.S.C 1666 ( b ) ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2024-05-21
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. (FL)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than XXXX  days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2023-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

In accordance with the fair credit reporting act XXXX XXXX  acct # XXXX has violated my rights.

15 USC 1681 ( 2 ) ( a ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in consumer reports. 

The IRS defines a charged off account as canceled debt that you must pay taxes on. 

charged off accounts over {$600.00} reporting to your consumer account is fraud.
Consumer complaint received 2024-06-21
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. (TX)

I'm filing a complaint against your agency because you are in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). Items were deleted from my credit report, and you reinserted them without notifying me 5 business days after and certifying that the items was validated properly. I demand you to delete these items from my credit file or I will seek litigation. I have also attached an invoice for violations of the 3 items. Payment is to be remitted to the address on the invoice. The remedy is being pursued in relation to Rule 55 of the Federal Rules of Civil Procedure and 28 USC 2201.

I'm filing a complaint against your agency because you are in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). Items were deleted from my credit report, and you reinserted them without notifying me 5 business days after and certifying that the items was validated properly. I demand you to delete these items from my credit file or I will seek litigation. I have also attached an invoice for violations of the 3 items. Payment is to be remitted to the address on the invoice. The remedy is being pursued in relation to Rule 55 of the Federal Rules of Civil Procedure and 28 USC 2201. Please remit payment for violations within 10 business days and remove the following items that were reinserted without notice and validation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I am writing to follow up on a dispute I submitted on [ date you submitted the initial dispute ] concerning incorrect information on my credit report. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate and complete credit report. It has been over [ number of days since the dispute was submitted ] days since I first submitted my dispute, and I have yet to receive a response or resolution.Enclosed are copies of the original dispute letter, the credit report with the disputed items highlighted, and any supporting documentation I previously provided. 

I kindly request that you re-investigate this matter and correct the inaccurate information on my credit report. If you need additional information from me to facilitate the re-investigation, please let me know promptly. 

Please confirm receipt of this letter and provide me with a status update on my dispute. I would appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your cooperation. 

Sincerely,
Consumer complaint received 2023-09-20
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. (MO)

Subsequent to contacting each of the companies individually who have pulled a hard credit report and sending a copy of ny police report they refuse to remove hard inquires. 


Request you remove hard inquiries as I did not authorize them and I am a vitem of identity theft. This my third request Additionally I only lived at one address XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXX please remove all other addresses. 
My Business address is XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Pleas correct my name to XXXX XXXX I HAVE NO OTHER NAMES PLEASE REMOVE ANY OTHERS REMOVE THESE HARD IQUIRES listed on report equifaxreport XXXX XX/XX/XXXX as they are id theft ; XX/XX/XXXX Company XXXX XXXX XXXX, XXXX XXXX XXXX,, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX Date XX/XX/XXXX Company XXXX XXXX XXXX XXXX Address XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX, TN XXXX Date XX/XX/XXXX Company XXXX XXXX XXXX Address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX Date XX/XX/XXXX Company XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, VA XXXX XXXX XX/XX/XXXX Company XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX, SC XXXX Date XX/XX/XXXX Company XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Company XXXX XXXX Address XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX XXXX XX/XX/XXXX Company XXXX XXXXXXXX Address XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX, VA XXXX XXXX XX/XX/XXXX Company XXXX XXXXXXXX Address XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX, XXXX, VA XXXX XXXX XX/XX/XXXX Company XXXX  XXXX Address XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX, XXXX, VA XXXX XXXX XX/XX/XXXX Company XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XX/XX/XXXX Company XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX Date XX/XX/XXXX Company XXXX XXXX XXXX, Address XXXX XXXX XXXX,, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX Date XX/XX/XXXX Company XXXX XXXX XXXX Address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX Company XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date XX/XX/XXXX Company XXXX XXXXXXXX Address XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX, XXXX, VA XXXX Date XXXX XXXX, XXXX Company XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Date XX/XX/XXXX Company XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, OH XXXX
Consumer complaint received 2019-02-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Cascade Capital, LLC (LA)

Said I applied and received a pay day loan even after I told them I was a victim of id theft and was reported to credit beuroes and ftc I never been in Texas or applied on line my credit is f rating and I am XXXX.XX/XX/2019 total {$1100.00}.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I applied for a car with XXXXXXXX XXXX  and the used my information with other companies, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX & XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-21
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, Account # 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 2024-05-21
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)

There was a dispute letter sent on XX/XX/year> informing XXXX of my intent to sue due to them failing to enter a notice of dispute for accounts previously disputed and stating that items were verified without proof of an investigation. I have attached the letter, which is dated, and time stamped. Furthermore, I have requested your method of verification and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). I can demonstrate to a judge that these accounts are indeed inaccurate and that you have violated the Fair Credit Reporting Act by disregarding my requests for investigation. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. My attorney has been notified and we will be moving forward with a lawsuit if these items are not removed within 30 days. The following accounts are to be removed from my credit report 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
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

This accoutn is reported differently across all reports and none of it is correct. I dont understand how they are willing to commit fraud. This information is wrong. The Equifax, XXXX and XXXX all refuse to do their required job and confirm and correct.
Consumer complaint received 2018-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: LEXISNEXIS (IL)

LexisNexis sold my personal information to XXXX XXXX, without my permission or knowledge. I received unsolicited credit offers from XXXX XXXX, in the mailer that was sent they indicated that my information was received from LexisNexis I filed complaints against both companies with the XXXX XXXX XXXX. I received confirmation from XXXX XXXX that my information was put on their do not solicit list. I also received a form letter from LexisNexis indicating that my records were removed from publicly facing records products they did not indicate if my information would be removed from additional unsolicited offers. LexisNexis also has 3 levels of opt-out they did not indicate which level I am enrolled in. I have tried to resolve this through the XXXX and their call center, but have not had luck. In addition they print false and misleading phone numbers indicating that there is a LexisNexis Privacy Hotline XXXX which does not exist and sends consumers directly to their call center with no help whatsoever. I ask that the government invest the business practices and data practices of LexisNexis.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX