davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I recently reviewed my credit report and noticed an account that was not reporting accurately. On my report, a late payment in XX/XX/year> for XXXX XXXX XXXX XXXX XXXX XXXX was indeed paid on time. It's come to my notice that the missed payment on my record could hurt my ability to qualify for new credit. I trust that my previous actions do not reflect my creditworthiness and commitment to repaying my debts. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I'm now requesting you investigate this account and update these payments to be paid on time immediately. It would be a kind gesture if you could grant me a second chance and make goodwill in removing the late payment in XX/XX/year>. Thank you for your understanding and prompt action.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I am greatly concerned about the inclusion of this late payment on my account, as my payment history has consistently been punctual. This situation is causing me considerable distress, and I implore you to correct this mistake by promptly removing it from my account.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

This is my multiple attempts to inform you that I am an identity theft victim and that I am questioning some records in my paperwork that may have been obtained via improper means. The data under scrutiny pertain to transactions in which I have neither made nor approved the acquisition of any products, services, or money. Remove from my credit report any information that is notable that resulted from a purported scam or extortion, assuming that no one will care in either case. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

FCRA 605B, I think, requires us to eliminate any incorrect accounts from my credit report. Can you please verify the documents? Some of the listed accounts have inaccuracies in terms of reporting, such as incorrect amounts and dates.
Consumer complaint received 2024-05-11
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)

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 Balance Owed : {$17000.00} XXXX XXXX XXXX  XXXX Balance : {$5300.00} XXXX XXXX, XXXX XX/XX/2022
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION (AL)

Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquiries Credit Acceptance XX/XX/year> Credit Acceptance XX/XX/year> Credit Acceptance XX/XX/year> XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-08-22
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: Experian Information Solutions Inc. (NY)

VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Dear XXXX XXXX XXXX XXXX XXXX recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information The name and address of the original creditor and the current creditor.

1. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

2. Full complete and correct social security number to help identify me as the correct person you are trying to collect from 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AZ)

I am writing to inform you that my identity has been compromised, and certain accounts and transactions have been falsely attributed to me without my knowledge or consent. I have become a victim of identity theft and have taken immediate action by reporting the incident. This issue has caused me significant distress and concern, as it has had a detrimental impact on both my financial well-being and personal reputation. 

I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

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 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

THE COMPANY HAS IGNORED THE LAW OF FAIR CREDIT REPORTING HAS CONTINUED TO REPORT UNFAIR AND INACCURATE INFORMATION ON A A CREDIT REPORT HURTING MY ABILITY TO OBTAIN CREDIT
Consumer complaint received 2020-05-18
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. (PR)

I have written to XXXX XXXX  about account XXXX XXXX XXXX XXXX that is is a fraudulent account open under my name. The account was removed and know was place in the credit bureau with many many months of been open.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I looked upon my credit report and discovered these accounts that need to be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-17
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: BANCO POPULAR DE PUERTO RICO (PA)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, BANCO POPULAR XXXX XXXX add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

While checking my most recent credit report, I noticed credit inquiry that I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with this account bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature., I formally request that these fraudulent inquiry be immediately deleted from the credit file that you maintain under my Social Security number. 
XXXX XXXX Inquiry Date XX/XX/year>.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MD)

I have been attempting to get my credit screened for an apartment complex, to which it is being denied as they are saying my accounts are frozen. On Monday, XX/XX/XXXX, I logged into EQUIFAX and removed my freeze and fraud alert. At that point, my account is shown to be unfrozen with no alerts whatsoever. Over the next few days, my apartment complex is still telling me that EQUIFAX is coming back frozen. I called EQUIFAX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX to confirm that my accounts are unfrozen with their general customer service representatives. I additionally filed a dispute with their XXXX party company, which also reflected that EQUIFAX as being the issue. XX/XX/XXXX, at XXXX, I called EQUIFAX once again and confirmed with them the my information is up to date and that there is no freeze. The individual mentioned to me that although you may have removed a security freeze from your account online, and even though it shows that your account is unfrozen, it might not be 100 % unfrozen. He connected me with a " Freeze Specialist '' named XXXX who was able to confirm to me that my account was in fact, not 100 % unfrozen, even though through the website it shows as unfrozen. XXXX said that it is EQUIFAX policy that there may be times with additional steps need to be taken to fully remove a freeze. Steps that EQUIFAX does not intend to let their consumers know. XXXX said that EQUIFAX would not communicate the need for additional steps to be taken by their consumes to fully remove a freeze. How else am I supposed to know there are additional steps to take to remove a freeze, when NOTHING WHATSOEVER is communicated in regards to that? If I had not been denied and told my accounts were frozen multiple times my the apartment complex, it would not have led me to continue hounding EQUIFAX to get more information. I do not understand how EQUIFAX can tell you, can confirm to you via phone and on your account, that your accounts are unfrozen, when in reality, they are not actually unfrozen. Unfathomable that they will not tell their consumers additional steps to take once unfreezing their credit.
Consumer complaint received 2024-05-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc. (OR)

I called on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in regards to bills due on XX/XX/XXXX. I was told XXXX x by the Customer Service Reps that I do not have a bill due when clearly I am receiving the bills in my email box. It is also reflected on their Aidvantage website that it is due by XX/XX/XXXX. I was told my student loans by Student Aid.gov and Dept of Education that my loan is still processing discharge with the Sweet vs Cardona case which Dept of Education has missed the original deadline of XX/XX/XXXX by a court order and was informed they are still processing the discharges and have received an extension by the courts to complete by XX/XX/XXXX. It is ridiculous that I am still being charged compounded interest for this case and should not receive any bills whatsoever. 

I am still unable to buy a house due to this situation and I am almost XXXX XXXX XXXX and can't retire with this looming over my head. I am also due refunds for the interest charges as well as half of the student loan that was my ex husbands loan which I unfortunately had to consolidate in XXXX because he defaulted. This interest needs to stop while the final discharges are still in processing status on Dept of Education and XXXX XXXX. I have also been notified that pink slips will be served soon with my current employer for layoffs. My schools defrauded me and this needs to be resolved once and for all.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

I just checked and reviewed again my Equifax, XXXX and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2024-05-11
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)

Pursuant to Texas Rule of Civil Procedure 92, I am generally denying the following accounts, charges, and allegations contained in the credit reporting, and requests that the credit reporting agency require the alleged creditor to prove its claims by a preponderance of the credible and admissible evidence. 

XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX  XXXX ACCT # XXXX XXXX  XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX # XXXX XXXX ACCT # XXXX XXXX  ACCT # XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX  XXXX ACCT # XXXX XXXX  XXXX ACCT # XXXX XXXX  XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX Pursuant to Texas Rule of Civil Procedure 94, I am asserting the following affirmative defenses : a. failure of consideration ; b. affirmative defense of fraud ; c. estoppel ; d. laches/waiver ; e. statute of limitations ; f. failure to mitigate damages g. payment ; h. setoff or recoupment ; and i. all conditions precedent have not been performed and have not occurred I am specifically denying that the disposition of any collateral was conducted in a commercially reasonable manner according to the requirements of Article 9 of the Uniform Commercial Code and invokes all rights and remedies available under this statute.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I hope this letter finds you well. I am writing to address a concerning discrepancy in my credit report regarding late payments on my account. Upon reviewing my report, I noticed that late payments were inaccurately listed, which has had a negative impact on my credit score. I contacted the company associated with this account, and they acknowledged that there was an error on their end. They assured me that they would update and correct my account to reflect the accurate payment history. They explained that there was a system glitch that caused the late payments to be incorrectly reported. 
I find it perplexing that your bureau continues to report these late payments when other credit bureaus have already corrected the status of the account. This raises questions about the verification process used by your bureau to ensure the accuracy of the information reported. I'd like the account be CORRECTED and UPDATED : XXXXXXXX XXXX XXXXXXXX. XXXX
Consumer complaint received 2024-05-10
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 2024-05-10
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)

MY CREDIT PROFILE IS INACCURATE XXXXHICHI IS NOT FAIR TO ME. PLEASE INVESTIGATE THIS AND FIX IT ... IMREALLY SICK AND TIRED OF THESE XXXX. SHOULD THERE BE ANY UPDATES ON MY INQUIRIES, IM GON NA GO TO COURT.
Consumer complaint received 2020-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (PR)

I was charged full amount for delivery of items that I received incomplete. XXXX alleged that I received them but I notified to them by email and phone about the problem. 
The delivery company left the items on the front door due to the COVID-19 but they were incomplete. I agree to pay the delivery charges but I received them incomplete so I should be charge for the ones I received. Citibank did not considered the reasons for my dispute and accepted as good their side of the story. 

XX/XX/2020 XXXX XXXX XXXX XXXX {$83.00} Purchased On XX/XX/2020 Posted On XX/XX/2020 Category Merchandise - Furniture, Home Furnishing / Equipment Merchant Country Puerto Rico
Consumer complaint received 2024-08-29
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (VT)

Purchased a new XXXX cadet mower in XXXX. Purchased from tractor supply. Low interest and XXXX $ per month advertised. Citi bank backs this card. Every month Citi charges a late fee and states I owe more than the XXXX XXXX I've got XXXX $ in late fees that are contrary to my contract with tractor supply. 

I've tried talking to Citi bank, they won't listen. 

This is a legal violation of a binding contract with tractor supply.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

PLEASE BLOCKED AND REMOVED I strongly advise against including this suspicious entry on my credit report. It does not belong to me, and its presence is highly concerning. Please take the appropriate measures to rectify these inaccuracies.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

I have contacted this company on several occasions to correct this incorrectly reporting information. 
Account : XXXX XXXX Account # - XXXX This company has violated my rights according to 15 USC Section 1681b ( e ) ( 6 ). This is causing severe XXXX for me. I have sent several letters for them to update this inaccurate information. XXXX has updated theirs due to it reporting inaccurate and so these companies needs to be notified. 

Please update it to paid as agreed. Was never late.