davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-03
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. (MO)

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 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Again, this XXXXXXXX XXXX again forgot to report correct amount in my credit profile, thank you CFPB for not pushing them for this violation, this is shows me again that nobody is following the Low of this country, I said before and will say again, all this reports and complaints Im saving for future lawsuit to this company, I thought that everyone must follow the Law how its says in the Constitution but I was wrong, anyone can violate the law and nobody will hold them accountable. Thank you
Consumer complaint received 2024-08-29
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. (GA)

A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.
Consumer complaint received 2024-08-29
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)

I recently obtained my credit reports. And noticed there collection accounts that I do not recognized. I have never been in agreement to work with them. Can you please provide me with any sort of agreement with any of the following XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-03
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. (MO)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account : XXXX XXXX Bank # XXXX, Account : XXXX XXXX # XXXX, Account : XXXX XXXX # XXXX, Account : XXXX XXXX # XXXX, Account : XXXX XXXX XXXX XXXX, Account : XXXX # XXXX, Account : XXXX XXXX XXXX # XXXX, Account : XXXX XXXX # XXXX, Account : XXXX XXXX XXXX XXXX, Account : XXXX XXXX XXXX  XXXX, Account : XXXX XXXX  # XXXX has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I am personally submitting this complaint to address an issue regarding late payment entries on my credit report. Upon reviewing my records, I discovered the presence of these late payment listings. However, despite sending correspondence more than 30 days ago concerning this matter, I have not received a response, and they have failed to provide satisfactory validation for these supposed late payments. I kindly request your assistance in resolving this issue promptly and effectively.
Consumer complaint received 2024-08-29
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)

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-07-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO. (TX)

XXXX ( or XXXX ) XXXX company XXXX has repeatedly contacted me regarding a debt they have listed as ref XXXX, and for which I dispute and have records to prove their information is incorrect. 

They have repeatedly used threatening tactics such as : 1 ) threatening lawsuits 2 ) Pretending to be a separate 'document service delivery ' company implying litigation is imminent and 3 ) they have repeatedly denied my rights under the Fair Debt Collection Practices Act including : A ) They refused to give me an address to send a formal request asking for their documentation of the alleged details of the debt B ) They refused to honor my request to stop contacting me regarding the erroneous debt
Consumer complaint received 2024-06-13
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)

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 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

This is my XXXX attempts to inform 3 credit bureaus that I am an identity theft victim and that certain data in my paperwork appear to be the result of improper behavior. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Remove any notable information regarding any claimed fraud or XXXX from my credit record, assuming that no one will care. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-03
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. (GA)

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 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am writing to dispute unauthorized inquiries on my credit report under the provisions of 15 U.S. Code 1681b, which outlines permissible purposes for accessing a consumer 's credit report. Upon reviewing my credit report, I have identified the following inquiry that I did not authorize : 1. XXXX XX/XX/year> ( Equifax ) This inquiries were made without my knowledge or consent, and I believe they constitute a violation of the Fair Credit Reporting Act ( FCRA ). Under 15 U.S. Code 1681b, credit inquiries should only be made with my explicit authorization or for legitimate business needs as defined by law.
Consumer complaint received 2024-06-03
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Consumer complaint received 2024-06-03
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. (MA)

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 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 2023-12-21
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. (IL)

My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. All of the following inquiries should be removed from my credit report immediately : 1. XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

About a year ago I went to a car dealership named XXXXXXXX XXXX XXXX or XXXX XXXX XXXX- one of the two- and decided to purchase a decent vehicle. no longer after 4 days of using the car, it had flaws and by my mistake regretted purchasing the car and decided to return it. 

they were refusing to take back the car, but we were honest about the quality and that it was not how we expected it to be and said we kindly want to return it and it did not matter to me if my credit would be at risk. 

They said through the phone time and time again that they were going to fix it and cancel my contract with XXXX XXXX. The dealership kept the car promising that they were cancelling all contract with that particular bank. 

Fast-foward, I come to find out that they are using my social and credit to keep the money and the car while they are confidently running my social. 
They permanently close shop and it wouldn't be a surpise if they did this to other clients.. 
Please Help
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I am writing to formally dispute the accuracy of the information being reported on my credit report for the account listed below. This dispute is in accordance with the Fair Credit Reporting Act ( FCRA ), the Metro 2 standards, and the guidelines set by the XXXX XXXX XXXX XXXX ( XXXX ) .Account Information : Creditor Name : XXXX XXXX XXXX Number : XXXX Type : Auto LoanDate Opened : XX/XX/XXXX, XXXX Balance : $ XXXX Balance : {$15000.00} ( as of XX/XX/year> ) Status : Charged Off, {$14000.00} written off, {$15000.00} past due as of XXXX XXXX above account information is inaccurately reported for the following reasons : Inaccurate Balance Reporting : Despite the vehicle being sold at auction, the balance is not accurately reflecting this transaction. The sale of the vehicle should have been applied to reduce the outstanding balance. However, this is not being reflected in the current balance.Reinvestigation Requirement under XXXX  : According to the Metro 2 standards and the XXXX automated dispute system, I have reinvestigated this account three times, yet the information continues to be reported inaccurately. This continual misreporting indicates a failure in adhering to the required standards and protocols for accurate credit reporting.Re-Aging of Delinquency Dates : The account is being re-aged for late payments, which unlawfully extends the duration that this negative information remains on my consumer file. The Fair Credit Reporting Act mandates that late payments should only be reported for up to seven years from the original delinquency date. The consistent re-aging violates this regulation and unfairly prolongs the negative impact on my credit report.Given the above inaccuracies and violations of both Metro 2 standards and consumer protection laws, I request that you immediately delete this account from my credit report. Enclosed are copies of my credit report with the disputed account highlighted, as well as supporting documentation, including proof of the auction sale and prior dispute correspondence.
Consumer complaint received 2024-06-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (PA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (FL)

.This is information on a previous submitted information. 
Today after reviewing my credit scores which I do often after the identity problem last year, I noticed that a Hard Inquiry was made on XX/XX/year> XXXX Address : XXXX XXXX XXXX, XXXX, FL XXXX XXXX : ( XXXX ) XXXX On both my XXXX and XXXX accounts. I tried to call the above listed phone number and it doesn't go to anyone, it just continues to stat about all different products. I did already contact XXXX and will after done completing this complaint will be contacting XXXX about this fraudulent inquiry. I do have fraud monitoring places on all three credit bureaus last year and did not get any notifications about this inquiry as to date. 

After reviewing the above information I have discovered that the inquiry made on XX/XX/year> SYNCB/XXXX address and phone number is different from XXXX and XXXX. My Experian account shows address of above in XXXX, Florida and my -- XXXX account show - SYNCB/XXXX  Address XXXX XXXXXXXX, XXXX, PA XXXX Phone # XXXX - Two different addresses and phone numbers. 

Again I have never applied for any credit card with the above business.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/year> XXXX
Consumer complaint received 2024-06-03
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. (GA)

I am writing to formally dispute the accuracy of the information being reported on my credit report for the account listed below. This dispute is in accordance with the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX standards as outlined by the XXXX XXXX XXXX XXXX ( XXXX ) .Account Information : Creditor Name : XXXX XXXX XXXXAccount Number : XXXXAccount Type : Charge CardDate Opened : XX/XX/XXXX, XXXX : {$24.00} ( as of XX/XX/year> ) Credit Limit : $ XXXX : Charged Off, {$24.00} written off, {$14.00} past due as of XXXX XXXX above account information is inaccurately reported for the following reasons : Reinvestigation Requirement under XXXX : According to XXXX XXXX guidelines and the XXXX  automated dispute system, this account has already been re-investigated and should not continue to be reported with potentially negative information. The continual reporting of this charged-off status and delinquency is incorrect.Consumer Law Violation : Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), creditors and credit reporting agencies are required to report accurate information. The account was reinvestigated and resolved, thus the continued reporting of this account as charged off with a past due amount is misleading and damaging to my creditworthiness.Inaccurate Payment History : The payment history reported contains multiple inaccuracies : The charge-off status reported for XXXX and XX/XX/year> contradicts the reinvestigation results.The payment history reflects delinquency dates ( XXXX, XXXX, XXXX, XXXX, and XXXX days late ) that are inconsistent with my records and the reinvestigation findings.Account Status : The account is reported as " Closed '' with a status of " Charged Off, '' despite having been reinvestigated and resolved. This incorrect status must be updated to reflect the accurate and current state of the account.Given the inaccuracies and violations of both XXXX XXXX standards and consumer protection laws, I request that you immediately delete this account from my credit report. Enclosed are copies of my credit report with the disputed account highlighted, as well as any supporting documentation from the reinvestigation process.
Consumer complaint received 2024-06-13
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. (GA)

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 2019-07-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

This debt for {$14000.00} is for XXXX XXXX XXXX. No date is given as to the debt. The collection agency is XXXX XXXX   XXXX, XXXX -- XXXX XXXX XXXX -- XXXX, VA XXXX. The Debt is very old as it states on the collection request : " The law limits how long you can be sued on a debt and how long a debt can appear on your credit report. Due to the age of this debt, we will not sue you for it or report payment or non-payment of it to a credit bureau. '' I will not pay this debt and I want all communication to cease, either by phone or mail. If it does not cease I will consider legal methods. 
Thank you.
Consumer complaint received 2024-06-13
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. (LA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice 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 2020-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020.